Form990-PF

Department of the Treasury
Internal Revenue Service

Return of Private Foundation
or Section 4947(a)(1) Trust Treated as Private Foundation
right arrowDo not enter social security numbers on this form as it may be made public.
right arrowGo to www.irs.gov/Form990PF for instructions and the latest information.
OMB No. 1545-0047
2024
Open to Public Inspection
For calendar year 2024, or tax year beginning 01-01-2024 , and ending 12-31-2024
Name of foundation
CARL L AND GLENDA T CRAMER
CHARITABLE FOUNDATION
Number and street (or P.O. box number if mail is not delivered to street address)833 WEST KING STREET
  Room/suite
City or town, state or province, country, and ZIP or foreign postal code
SHIPPENSBURG, PA17257
A Employer identification number

47-5335629
B Telephone number (see instructions)

(717) 530-8600
C right arrow
G Check all that apply:

D 1. Foreign organizations, check here............. right arrow
2. Foreign organizations meeting the 85%
test, check here and attach computation ... right arrow
E right arrow
H Check type of organization:
F right arrow
I Fair market value of all assets at end
of year (from Part II, col. (c),
line 16)right arrow$2,366,802J Accounting method:
 
(Part I, column (d) must be on cash basis.)
Part I Analysis of Revenue and Expenses (The total of amounts in columns (b), (c), and (d) may not necessarily equal the amounts in column (a) (see instructions).) (a) Revenue and
expenses per
books 		(b) Net investment
income 		(c) Adjusted net
income 		(d) Disbursements
for charitable
purposes
(cash basis only)
Revenue 1 Contributions, gifts, grants, etc., received (attach schedule) 26,500
2 Check right arrow.............
3 Interest on savings and temporary cash investments      
4 Dividends and interest from securities... 84,462 84,462  
5a Gross rents............      
b Net rental income or (loss)  
6a Net gain or (loss) from sale of assets not on line 10 194,831
b Gross sales price for all assets on line 6a 3,586,244
7 Capital gain net income (from Part IV, line 2)... 194,831
8 Net short-term capital gain.........  
9 Income modifications...........  
10a Gross sales less returns and allowances  
b Less: Cost of goods sold....  
c Gross profit or (loss) (attach schedule).....    
11 Other income (attach schedule).......      
12 Total. Add lines 1 through 11........ 305,793 279,293  
Operating and Administrative Expenses 13 Compensation of officers, directors, trustees, etc. 0 0   0
14 Other employee salaries and wages......        
15 Pension plans, employee benefits.......        
16a Legal fees (attach schedule).........        
b Accounting fees (attach schedule)....... Click to see attachment
List of Attached Documents:
// Content
2,950 1,475   1,475
c Other professional fees (attach schedule).... Click to see attachment
List of Attached Documents:
// Content
7,096 7,096   0
17 Interest...............        
18 Taxes (attach schedule) (see instructions)... Click to see attachment
List of Attached Documents:
// Content
525 0   0
19 Depreciation (attach schedule) and depletion...      
20 Occupancy..............        
21 Travel, conferences, and meetings.......        
22 Printing and publications..........        
23 Other expenses (attach schedule).......        
24 Total operating and administrative expenses.
Add lines 13 through 23.......... 10,571 8,571   1,475
25 Contributions, gifts, grants paid....... 101,500 101,500
26 Total expenses and disbursements. Add lines 24 and 25 112,071 8,571   102,975
27 Subtract line 26 from line 12:
a Excess of revenue over expenses and disbursements 193,722
b Net investment income (if negative, enter -0-) 270,722
c Adjusted net income (if negative, enter -0-)...  
For Paperwork Reduction Act Notice, see instructions.
Cat. No. 11289X Form 990-PF (2024)
Form 990-PF (2024)
Page 2
Part II Balance Sheets Attached schedules and amounts in the description column
should be for end-of-year amounts only. (See instructions.) 		Beginning of year End of year
(a) Book Value (b) Book Value (c) Fair Market Value
Assets 1 Cash—non-interest-bearing.............      
2 Savings and temporary cash investments......... 133,193 19,826 19,826
3 Accounts receivable right arrow  
Less: allowance for doubtful accounts right arrow        
4 Pledges receivable right arrow  
Less: allowance for doubtful accounts right arrow        
5 Grants receivable.................      
6 Receivables due from officers, directors, trustees, and other
disqualified persons (attach schedule) (see instructions).....      
7 Other notes and loans receivable (attach schedule) right arrow  
Less: allowance for doubtful accounts right arrow        
8 Inventories for sale or use..............      
9 Prepaid expenses and deferred charges..........      
10a Investments—U.S. and state government obligations (attach schedule) 99,317 Click to see attachment
List of Attached Documents:
// Content
99,316 		100,266
b Investments—corporate stock (attach schedule)....... 1,366,439 Click to see attachment
List of Attached Documents:
// Content
2,019,002 		2,044,335
c Investments—corporate bonds (attach schedule)....... 550,171 Click to see attachment
List of Attached Documents:
// Content
204,698 		202,375
11 Investments—land, buildings, and equipment: basis right arrow  
Less: accumulated depreciation (attach schedule) right arrow        
12 Investments—mortgage loans.............      
13 Investments—other (attach schedule)..........      
14 Land, buildings, and equipment: basis right arrow  
Less: accumulated depreciation (attach schedule) right arrow        
15 Other assets (describe right arrow)      
16 Total assets (to be completed by all filers—see the
instructions. Also, see page 1, item I) 2,149,120 2,342,842 2,366,802
Liabilities 17 Accounts payable and accrued expenses..........    
18 Grants payable.................    
19 Deferred revenue.................    
20 Loans from officers, directors, trustees, and other disqualified persons    
21 Mortgages and other notes payable (attach schedule)......    
22 Other liabilities (describe right arrow)    
23 Total liabilities (add lines 17 through 22)......... 0 0
Net Assets or Fund Balances Foundations that follow FASB ASC 958, check here right arrow
and complete lines 24, 25, 29 and 30.
24 Net assets without donor restrictions...........    
25 Net assets with donor restrictions............    
Foundations that do not follow FASB ASC 958, check here right arrow
and complete lines 26 through 30.
26 Capital stock, trust principal, or current funds........ 0 0
27 Paid-in or capital surplus, or land, bldg., and equipment fund 0 0
28 Retained earnings, accumulated income, endowment, or other funds 2,149,120 2,342,842
29 Total net assets or fund balances (see instructions)..... 2,149,120 2,342,842
30 Total liabilities and net assets/fund balances (see instructions). 2,149,120 2,342,842
Part III
Analysis of Changes in Net Assets or Fund Balances
1
Total net assets or fund balances at beginning of year—Part II, column (a), line 29 (must agree with end-of-year figure reported on prior year’s return) ...............
1
2,149,120
2
Enter amount from Part I, line 27a .....................
2
193,722
3
Other increases not included in line 2 (itemize) right arrow
3
0
4
Add lines 1, 2, and 3 ..........................
4
2,342,842
5
Decreases not included in line 2 (itemize) right arrow
5
0
6
Total net assets or fund balances at end of year (line 4 minus line 5)—Part II, column (b), line 29 .
6
2,342,842
Form 990-PF (2024)
Form 990-PF (2024)
Page 3
Part IV
Capital Gains and Losses for Tax on Investment Income
(a) List and describe the kind(s) of property sold (e.g., real estate,
2-story brick warehouse; or common stock, 200 shs. MLC Co.)		 (b)
How acquired
P—Purchase
D—Donation 		(c)
Date acquired
(mo., day, yr.) 		(d)
Date sold
(mo., day, yr.)
1 a 3M CO: MMM P 2023-02-02 2023-12-29
b ISHARES US TELECOM ETF: IYZ P 2023-09-28 2024-01-11
c SELECT STR FINANCIAL SELECT SPDR ETF: XLF P 2023-09-28 2024-01-11
d VANGUARD DIVIDEND VIG APPRECIATION ETF: P 2023-09-28 2024-01-11
e 3M CO: MMM P 2022-09-22 2023-12-29
SELECT STR FINANCIAL SELECT S{DR ETF: XFL P 2022-09-23 2024-01-11
VGRD STC ETF DV: VCSH P 2023-03-09 2024-02-06
VANGUARD LONG TERM BOND ETF: BLV P   2024-02-07
MEDTRONIC PLC F:MDT P   2024-02-14
VANGUARD FTSEDEVELOPED MARKETS ETF: VEA P 2023-12-12 2024-02-14
VGRD STC ETF DB: VCSH P 2023-02-02 2024-02-06
MEDTRONIC PLC F:MDT P 2023-02-02 2024-02-12
LOCKHEED MARTIN COP: LMT P   2024-03-07
DEERE & CO: DE P   2024-03-11
CONSTELLATION BRAND CLASS A: STZ P   2024-03-22
PROSHARES SHORT QQQ ETF: PSQ P   2024-03-22
BAKER HUGHES CO. CLASS A: BKR P   2024-04-18
BECTON DICKINSON&CO BDX P 2024-02-08 2024-04-18
CENTENE CORP: CNC P   2024-04-18
ENERGY SELECT SECTOR SPDR ETF: XLE P 2023-12-18 2024-04-18
SOLVENTUM CORP: SOLV P   2024-04-18
VANGUARD EMERGINF MARKT GOVT BND ETF: VWOB P 2023-09-28 2024-04-18
VANGUARD LONG TERM BOND ETF: BLV P 2023-12-12 2024-04-18
SOLVENTUM CORP: SOLV P 2023-03-09 2024-04-01
ISHARES INTERNTINL AGGRFT ENB ETF: IAGG P   2024-04-18
SOLVENTUM CORP: SOLV P 2023-03-09 2024-04-18
ENERGY SELECT SECTOR SPDR ETF: XLE P   2024-05-17
FORD MOTOR CO: F P 2023-09-28 2024-05-17
ON SEMICONDUCTOR CO: ON P   2024-05-17
TEXAS INSTRUMENTS: TXN P 2024-04-18 2024-06-17
US BANCORP DEL: USB P 2024-02-12 2024-06-21
SPDR PORTFOLIO S&P 500 ETF: SPLG P 2023-12-27 2024-07-23
SPDR PORTFOLIO S&P 500 ETF: SPLG P 2023-12-27 2024-07-24
BLOOMIN BRANDS INC: BLMN P 2024-06-21 2024-07-10
FEDEX CORP: FDX P 2024-01-22 2024-07-10
FORD MOTOR CO: F P   2024-07-10
L3HARRIS TECHNOLOGIES IN: LHX P 2024-05-17 2024-07-10
INVITATION HOMES INCORP: INVH P   2024-07-16
KIMBERLY CLARK CORP: KMB P 2024-04-18 2024-07-31
WESTERN UNION CO: WU P 2024-03-22 2024-07-31
HERSHEY CO: HSY P   2024-08-09
JACK IN THE BOX INC: JACK P 2024-07-24 2024-08-09
3M CO: MMM P   2024-08-09
INVESCO RUSSELL 1000 OMFL P 2023-09-28 2024-08-22
EASTMAN CHEMICAL CO: EMN P 2024-07-31 2024-08-27
EDWARDS LIFESCIENCE: EW P   2024-08-27
FIRST ENERGY CORP: FE P 2024-05-17 2024-08-27
ISHARES BIOTECHNOLOGY ETF: IBB P 2024-03-22 2024-08-27
ISHARES CONVERTIBLE BONDETF: ICVT P   2024-08-27
PPL CORP: PPL P   2024-08-27
PRINCIPAL FINL: PFG P   2024-08-27
SELECT SECTOR UTI SELECTSPDR ETF: XLU P   2024-08-27
SPDR PORTOLIO S&P 600 SMALL SMALL CAP ETF: SPSM P 2024-01-18 2024-08-27
VANGUARD RUSSELL 1000 GROWTH ETF: VONG P 2023-09-28 2024-08-27
ERIE INDEMNITY CO CLASS A: ERIE P 2015-11-24 2024-07-31
ISHARES CORE US AGGREGATE BOND ETF: AGG P 2023-02-02 2024-08-05
3M CO: MMM P   2024-08-09
BEST BUY CO INC: BBY P 2024-04-18 2024-08-30
JP MORGAN ULTRA SHORT INCOME ETF: JPST P 2024-08-27 2024-09-10
JP MORGAN ULTRA SHORT INCOME ETF: JPST P 2024-08-27 2024-09-11
JP MORGAN ULTRA SHORT INCOME ETF: JPST P 2024-08-27 2024-09-12
BIOMARIN PHARMACEUTICAL: BMRN P   2024-09-19
CSX CORP: CSX P   2024-09-19
EXTRA SPACE STORAGE INC REIT: EXR P 2024-05-17 2024-09-19
FULTON FINL CORP PA: FULT P   2024-09-19
NEWMONT CORP: NEM P 2024-07-10 2024-09-19
STATE STR CORP: STT P   2024-09-19
FIRST TRUST TCW UNCONSTRA PLS BD ETF: UCON P 2023-09-28 2024-09-25
HEWLETT PACKARD ENTERPRI: HPE P   2024-09-25
JPMORGAN US QUALITY FACTOR ETF: JQUA P 2023-09-28 2024-09-25
PIMCO ACTIVE BOND ETF: BOND P 2024-04-18 2024-09-25
REAL ESTATE SELECT SCTR SPDR ETF: XLRE P 2024-04-18 2024-09-25
SPDR FUND MATERIALS SELECT SECTR ETF: XLB P 2023-09-28 2024-09-25
SPDR INDEX SHARES EMERG MARKT ETF: SPEM P 2024-09-28 2024-09-25
AIRBNB INC. CLASS A ABNB P 2024-07-10 2024-09-26
CLEAVELAND-CLIFFS INC NEW: CLF P   2024-09-26
DEVON ENERGY CORP NEW : DVN P   2024-09-26
LIVE NATION ENTMT INC: LYV P 2024-09-12 2024-09-26
M&T BK CORP: MTB P   2024-09-26
SPDR INDEX SHARES EMERG MARKT ETF: SPEM P 2023-09-28 2024-09-26
SPDR FUND MATERIALS SELECT SECTR ETF: XLB P   2024-09-25
SPDR INDEX SHARES EMERG MARKT ETF: SPEM P 2023-06-08 2024-09-25
GILEAD SCIENCES INC. P 2024-10-08 2024-10-09
CISCO SYS INC P 2024-10-14 2024-10-15
PAYPAL HLDGS INC P 2024-10-14 2024-10-15
AGILENT TECHNOLOGIES INC. P 2024-11-08 2024-11-12
ISHARES HIGH YIELD CORPORAT BOND ETF P 2024-11-08 2024-11-12
SELECT SECTOR HEALTH CARE SPDR ETF P 2024-11-08 2024-11-12
SPDR PORTFOLIO S&P 500 ETF: SPLG P 2024-11-08 2024-11-12
VANGUARD VALUE ETF P 2024-11-08 2024-11-12
CONAGRA BRANDS INC. P 2024-11-15 2024-11-18
ISHARES 0 TO 3 MNTH TREASURY BND ETF P 2024-11-15 2024-11-18
JPMORGAN ULTRA SHORT INCOME ETF P 2024-11-15 2024-11-18
SPDR BLOOMBERG 1 3 MNTH T BLL ETF P 2024-11-15 2024-11-18
ISHARES CORE US AGGREGATE BOND ETF: AGG P 2024-11-19 2024-11-20
SPDR S&P REGIONAL BANKING ETF P 2024-11-19 2024-11-20
FST TRT LOW DTN OPNTS ETF IV P 2024-11-25 2024-11-26
ISHARES RUSSELL MID CAP GROWTH ETF P 2024-11-25 2024-11-26
LULU LEMON ATHLETICA INC P 2024-11-27 2024-11-29
CVS HRALTH CORP P 2024-12-16 2024-12-17
TESLA INC P 2024-12-17 2024-12-18
FLEXSHARES UPSTREAM NATURAL IDX ETF P 2024-12-20 2024-12-23
ISHARES GLOBAL ENERGY ETF P 2024-12-20 2024-12-23
DOW INC P 2024-12-26 2024-12-27
ISHARES FALLEN ANGELS USD BOND ETF P 2024-12-26 2024-12-27
STARBUCKS CORP P 2024-12-30 2024-12-31
(e)
Gross sales price 		(f)
Depreciation allowed
(or allowable) 		(g)
Cost or other basis
plus expense of sale 		(h)
Gain or (loss)
(e) plus (f) minus (g)
a 5,121   5,530 -409
b 30,769   28,745 2,024
c 1,908   1,708 200
d 31,104   28,684 2,420
e 12,640   13,276 -636
30,224   25,016 5,208
6,026   5,845 181
14,481   14,613 -132
10,886   9,561 1,325
35,825   35,100 725
13,753   13,638 115
36,316   37,206 -890
16,776   16,820 -44
16,380   16,771 -391
17,687   16,399 1,288
79,383   84,752 -5,369
17,560   16,283 1,277
10,665   11,060 -395
19,937   20,214 -277
28,137   25,546 2,591
5,903   5,544 359
37,961   35,997 1,964
45,299   47,628 -2,329
49   50 -1
29,330   28,985 345
670   694 -24
46,805   40,883 5,922
30,649   30,813 -164
21,857   22,054 -197
23,350   19,890 3,460
10,627   11,288 -661
17,858   15,270 2,588
17,193   15,047 2,146
1,286   1,489 -203
12,799   11,011 1,788
32,693   26,967 5,726
2,958   2,906 52
14,543   14,465 78
16,063   14,942 1,121
10,885   12,408 -1,523
17,814   17,053 761
8,372   8,708 -336
26,696   17,114 9,582
48,498   43,114 5,384
15,066   15,596 -530
17,352   19,673 -2,321
16,229   14,998 1,231
29,516   27,280 2,236
46,735   42,937 3,798
17,756   16,470 1,286
23,846   24,905 -1,059
58,667   49,100 9,567
36,956   32,914 4,042
29,801   21,510 8,291
21,965   4,788 17,177
9,831   9,892 -61
24,833   17,109 7,724
20,933   15,983 4,950
34,039   34,039 0
63,780   63,780 0
7,991   7,991 0
4,494   5,430 -936
17,942   17,629 313
14,073   11,857 2,216
20,225   18,106 2,119
12,036   10,257 1,779
19,604   16,024 3,580
45,512   43,112 2,400
29,367   25,173 4,194
55,900   43,122 12,778
52,908   49,908 3,000
37,645   29,965 7,680
10,493   8,638 1,855
29,344   24,196 5,148
9,714   11,318 -1,604
20,880   25,452 -4,572
25,217   30,065 -4,848
8,325   7,606 719
29,930   24,056 5,874
44,601   35,927 8,674
24,420   21,540 2,880
14,307   12,217 2,090
32,536   28,212 4,324
32,369   28,491 3,878
18,147   14,387 3,760
22,711   22,775 -64
30,372   29,463 909
53,709   48,540 5,169
162,880   129,601 33,279
73,935   57,476 16,459
24,792   27,627 -2,835
44,424   44,505 -81
454,216   456,234 -2,018
192,142   192,446 -304
140,750   142,141 -1,391
26,093   19,529 6,564
49,448   48,695 753
18,303   14,815 3,488
21,961   21,331 630
35,689   42,431 -6,742
8,118   3,735 4,383
39,594   42,752 -3,158
31,732   35,954 -4,222
107,787   129,757 -21,970
29,805   30,376 -571
16,762   18,490 -1,728
Complete only for assets showing gain in column (h) and owned by the foundation on 12/31/69 (l)
Gains (Col. (h) gain minus
col. (k), but not less than -0-) or
Losses (from col.(h))
(i)
F.M.V. as of 12/31/69 		(j)
Adjusted basis
as of 12/31/69 		(k)
Excess of col. (i)
over col. (j), if any
a       -409
b       2,024
c       200
d       2,420
e       -636
      5,208
      181
      -132
      1,325
      725
      115
      -890
      -44
      -391
      1,288
      -5,369
      1,277
      -395
      -277
      2,591
      359
      1,964
      -2,329
      -1
      345
      -24
      5,922
      -164
      -197
      3,460
      -661
      2,588
      2,146
      -203
      1,788
      5,726
      52
      78
      1,121
      -1,523
      761
      -336
      9,582
      5,384
      -530
      -2,321
      1,231
      2,236
      3,798
      1,286
      -1,059
      9,567
      4,042
      8,291
      17,177
      -61
      7,724
      4,950
      0
      0
      0
      -936
      313
      2,216
      2,119
      1,779
      3,580
      2,400
      4,194
      12,778
      3,000
      7,680
      1,855
      5,148
      -1,604
      -4,572
      -4,848
      719
      5,874
      8,674
      2,880
      2,090
      4,324
      3,878
      3,760
      -64
      909
      5,169
      33,279
      16,459
      -2,835
      -81
      -2,018
      -304
      -1,391
      6,564
      753
      3,488
      630
      -6,742
      4,383
      -3,158
      -4,222
      -21,970
      -571
      -1,728
2 Capital gain net income or (net capital loss) Bracket If gain, also enter in Part I, line 7
If (loss), enter -0- in Part I, line 7		 Bracket 2 194,831
3 Net short-term capital gain or (loss) as defined in sections 1222(5) and (6):
If gain, also enter in Part I, line 8, column (c) (see instructions). If (loss), enter -0-
in Part I, line 8 ................... 		Bracket 3  
Part V
Excise Tax Based on Investment Income (Section 4940(a), 4940(b), 4940(e), or 4948—see instructions)
1a Exempt operating foundations described in section 4940(d)(2), check here right arrow and enter “N/A" on line 1. Bracket for line 1a
Date of ruling or determination letter:   (attach copy of letter if necessary–see instructions) 1 3,763
b All other domestic foundations enter 1.39% (0.0139) of line 27b. Exempt foreign organizations enter 4% (0.04) of Part I, line 12, col. (b)
2 Tax under section 511 (domestic section 4947(a)(1) trusts and taxable foundations only. Others enter -0-) 2 0
3 Add lines 1 and 2........................... 3 3,763
4 Subtitle A (income) tax (domestic section 4947(a)(1) trusts and taxable foundations only. Others enter -0-) 4 0
5 Tax based on investment income. Subtract line 4 from line 3. If zero or less, enter -0- ..... 5 3,763
6 Credits/Payments:
a 2024 estimated tax payments and 2023 overpayment credited to 2024 6a 800
b Exempt foreign organizations—tax withheld at source...... 6b 0
c Tax paid with application for extension of time to file (Form 8868)... 6c 0
d Backup withholding erroneously withheld .......... 6d 0
7 Total credits and payments. Add lines 6a through 6d.............. 7 800
8 Enter any penalty for underpayment of estimated tax. Check here if Form 2220 is attached. 8 1
9 Tax due. If the total of lines 5 and 8 is more than line 7, enter amount owed.......right arrow 9 2,964
10 Overpayment. If line 7 is more than the total of lines 5 and 8, enter the amount overpaid...right arrow 10  
11 Enter the amount of line 10 to be: Credited to 2025 estimated taxright arrow   Refundedright arrow 11  
Form 990-PF (2024)
Form 990-PF (2024)
Page 4
Part VI-A
Statements Regarding Activities
1a
During the tax year, did the foundation attempt to influence any national, state, or local legislation or did
Yes
No
it participate or intervene in any political campaign? ....................
1a
 
No
b
Did it spend more than $100 during the year (either directly or indirectly) for political purposes? See the instructions
for the definition.................................
1b
 
No
If the answer is "Yes" to 1a or 1b, attach a detailed description of the activities and copies of any materials
published or distributed by the foundation in connection with the activities.
c
Did the foundation file Form 1120-POL for this year?.....................
1c
 
No
d
Enter the amount (if any) of tax on political expenditures (section 4955) imposed during the year:
(1) On the foundation. right arrow$ 0(2) On foundation managers.right arrow$ 0
e
Enter the reimbursement (if any) paid by the foundation during the year for political expenditure tax imposed
on foundation managers.right arrow$ 0
2
Has the foundation engaged in any activities that have not previously been reported to the IRS?.......
2
 
No
If "Yes," attach a detailed description of the activities.
3
Has the foundation made any changes, not previously reported to the IRS, in its governing instrument, articles
of incorporation, or bylaws, or other similar instruments? If "Yes," attach a conformed copy of the changes....
3
 
No
4a
Did the foundation have unrelated business gross income of $1,000 or more during the year?.........
4a
 
No
b
If "Yes," has it filed a tax return on Form 990-T for this year?...................
4b
 
 
5
Was there a liquidation, termination, dissolution, or substantial contraction during the year?.........
5
 
No
If "Yes," attach the statement required by General Instruction T.
6
Are the requirements of section 508(e) (relating to sections 4941 through 4945) satisfied either:
round bullet By language in the governing instrument, or
round bullet By state legislation that effectively amends the governing instrument so that no mandatory directions
that conflict with the state law remain in the governing instrument? ................
6
 
No
7
Did the foundation have at least $5,000 in assets at any time during the year? If "Yes," complete Part II, col. (c),
and Part XIV..................................
7
Yes
 
8a
Enter the states to which the foundation reports or with which it is registered (see instructions)
right arrowPA
b
If the answer is "Yes" to line 7, has the foundation furnished a copy of Form 990-PF to the Attorney
General (or designate) of each state as required by General Instruction G? If "No," attach explanation .
8b
Yes
 
9
Is the foundation claiming status as a private operating foundation within the meaning of section 4942(j)(3)
or 4942(j)(5) for calendar year 2024 or the taxable year beginning in 2024? See the instructions for Part XIII.
If "Yes," complete Part XIII .............................
9
 
No
10
Did any persons become substantial contributors during the tax year? If "Yes," attach a schedule listing their names
and addresses. ...............................
10
 
No
11
At any time during the year, did the foundation, directly or indirectly, own a controlled entity within the
meaning of section 512(b)(13)? If "Yes," attach schedule. See instructions .............
11
 
No
12
Did the foundation make a distribution to a donor advised fund over which the foundation or a disqualified person had
advisory privileges? If "Yes," attach statement. See instructions.................
12
 
No
13
Did the foundation comply with the public inspection requirements for its annual returns and exemption application?
13
 
No
Website addressright arrowN/A
14
The books are in care ofright arrowMATTHEW C CRAMER TRUSTEE Telephone no.right arrow (717) 530-8600

Located atright arrow833 WEST KING STREETSHIPPENSBURGPA ZIP+4right arrow17257
15
Section 4947(a)(1) nonexempt charitable trusts filing Form 990-PF in lieu of Form 1041 —check here .........right arrow
and enter the amount of tax-exempt interest received or accrued during the year ........right arrow
15
 
16 At any time during calendar year 2024, did the foundation have an interest in or a signature or other authority over YesNo
a bank, securities, or other financial account in a foreign country? .................
16   No
See the instructions for exceptions and filing requirements for FinCEN Form 114. If "Yes", enter the name of the foreign
country right arrow
Form 990-PF (2024)
Form 990-PF (2024)
Page 5
Part VI-B
Statements Regarding Activities for Which Form 4720 May Be Required
File Form 4720 if any item is checked in the "Yes" column, unless an exception applies.
Yes
No
1a
During the year did the foundation (either directly or indirectly):
(1) Engage in the sale or exchange, or leasing of property with a disqualified person? ...........
1a(1)
 
No
(2) Borrow money from, lend money to, or otherwise extend credit to (or accept it from)
a disqualified person? ..............................
1a(2)
 
No
(3) Furnish goods, services, or facilities to (or accept them from) a disqualified person? ...........
1a(3)
 
No
(4) Pay compensation to, or pay or reimburse the expenses of, a disqualified person? ............
1a(4)
 
No
(5) Transfer any income or assets to a disqualified person (or make any of either available
for the benefit or use of a disqualified person)? ......................
1a(5)
 
No
(6) Agree to pay money or property to a government official? (Exception. Check "No"
if the foundation agreed to make a grant to or to employ the official for a period
after termination of government service, if terminating within 90 days.) ...............
1a(6)
 
No
b
If any answer is "Yes" to 1a(1)–(6), did any of the acts fail to qualify under the exceptions described in Regulations
section 53.4941(d)-3 or in a current notice regarding disaster assistance? See instructions ..........
1b
 
 
c
Organizations relying on a current notice regarding disaster assistance check here ........right arrow
d
Did the foundation engage in a prior year in any of the acts described in 1a, other than excepted acts,
that were not corrected before the first day of the tax year beginning in 2024? .............
1d
 
No
2
Taxes on failure to distribute income (section 4942) (does not apply for years the foundation was a private
operating foundation defined in section 4942(j)(3) or 4942(j)(5)):
a
At the end of tax year 2024, did the foundation have any undistributed income (Part XII, lines 6d
and 6e) for tax year(s) beginning before 2024?....................
2a
 
No
If "Yes," list the years right arrow20, 20, 20, 20
b
Are there any years listed in 2a for which the foundation is not applying the provisions of section 4942(a)(2)
(relating to incorrect valuation of assets) to the year’s undistributed income? (If applying section 4942(a)(2)
to all years listed, answer "No" and attach statement—see instructions.) ..............
2b
 
 
c
If the provisions of section 4942(a)(2) are being applied to any of the years listed in 2a, list the years here.
right arrow20, 20, 20, 20
3a
Did the foundation hold more than a 2% direct or indirect interest in any business enterprise at
any time during the year? ..............................
3a
 
No
b
If "Yes," did it have excess business holdings in 2024 as a result of (1) any purchase by the foundation
or disqualified persons after May 26, 1969; (2) the lapse of the 5-year period (or longer period approved
by the Commissioner under section 4943(c)(7)) to dispose of holdings acquired by gift or bequest; or (3)
the lapse of the 10-, 15-, or 20-year first phase holding period? (Use Schedule C, Form 4720, to determine
if the foundation had excess business holdings in 2024.) .....................
3b
 
 
4a
Did the foundation invest during the year any amount in a manner that would jeopardize its charitable purposes?
4a
 
No
b
Did the foundation make any investment in a prior year (but after December 31, 1969) that could jeopardize its
charitable purpose that had not been removed from jeopardy before the first day of the tax year beginning in 2024? ..
4b
 
No
Form 990-PF (2024)
Form 990-PF (2024)
Page 6
Part VI-B
Statements Regarding Activities for Which Form 4720 May Be Required (continued)
5a
During the year did the foundation pay or incur any amount to:
Yes
No
(1) Carry on propaganda, or otherwise attempt to influence legislation (section 4945(e))? ..........
5a(1)
 
No
(2) Influence the outcome of any specific public election (see section 4955); or to carry
on, directly or indirectly, any voter registration drive? ....................
5a(2)
 
No
(3) Provide a grant to an individual for travel, study, or other similar purposes? .............
5a(3)
 
No
(4) Provide a grant to an organization other than a charitable, etc., organization described
in section 4945(d)(4)(A)? See instructions ........................
5a(4)
 
No
(5) Provide for any purpose other than religious, charitable, scientific, literary, or
educational purposes, or for the prevention of cruelty to children or animals? .............
5a(5)
 
No
b
If any answer is "Yes" to 5a(1)–(5), did any of the transactions fail to qualify under the exceptions described in
Regulations section 53.4945 or in a current notice regarding disaster assistance? See instructions ........
5b
 
 
c
Organizations relying on a current notice regarding disaster assistance check .........right arrow
d
If the answer is "Yes" to question 5a(4), does the foundation claim exemption from the
tax because it maintained expenditure responsibility for the grant? .................
5d
 
 
If "Yes," attach the statement required by Regulations section 53.4945–5(d).
6a
Did the foundation, during the year, receive any funds, directly or indirectly, to pay premiums on
a personal benefit contract? .............................
6a
 
No
b
Did the foundation, during the year, pay premiums, directly or indirectly, on a personal benefit contract? ....
6b
 
No
If "Yes" to 6b, file Form 8870.
7a
At any time during the tax year, was the foundation a party to a prohibited tax shelter transaction?
7a
 
No
b
If "Yes", did the foundation receive any proceeds or have any net income attributable to the transaction? .....
7b
 
 
8
Is the foundation subject to the section 4960 tax on payment(s) of more than $1,000,000 in remuneration or
excess parachute payment during the year? .........................
8
 
No
Part VII
Information About Officers, Directors, Trustees, Foundation Managers, Highly Paid Employees,
and Contractors
1 List all officers, directors, trustees, foundation managers and their compensation. See instructions
(a) Name and address (b) Title, and average
hours per week
devoted to position 		(c) Compensation
 (If not paid, enter
-0-) 		(d) Contributions to employee benefit plans and deferred compensation (e) Expense account,
other allowances
MATTHEW C CRAMER CHAIRPERSON
1.00 		0 0 0
833 WEST KING STREET
SHIPPENSBURG,PA17257
2 Compensation of five highest-paid employees (other than those included on line 1—see instructions). If none, enter “NONE."
(a) Name and address of each employee paid more than $50,000 (b) Title, and average
hours per week
devoted to position 		(c) Compensation (d) Contributions to
employee benefit
plans and deferred
compensation 		(e) Expense account,
other allowances
NONE
Total number of other employees paid over $50,000...................right arrow 0
Form 990-PF (2024)
Form 990-PF (2024)
Page 7
Part VII
Information About Officers, Directors, Trustees, Foundation Managers, Highly Paid Employees,
and Contractors (continued)
3 Five highest-paid independent contractors for professional services (see instructions). If none, enter "NONE".
(a) Name and address of each person paid more than $50,000 (b) Type of service (c) Compensation
NONE
Total number of others receiving over $50,000 for professional services.............right arrow0
Part VIII-A
Summary of Direct Charitable Activities
List the foundation’s four largest direct charitable activities during the tax year. Include relevant statistical information such as the number of organizations and other beneficiaries served, conferences convened, research papers produced, etc. Expenses
1  
2  
3  
4  
Part VIII-B
Summary of Program-Related Investments (see instructions)
Describe the two largest program-related investments made by the foundation during the tax year on lines 1 and 2. Amount
1  
2  
All other program-related investments. See instructions.
3  
Total. Add lines 1 through 3.........................right arrow0
Form 990-PF (2024)
Form 990-PF (2024)
Page 8
Part IX
Minimum Investment Return (All domestic foundations must complete this part. Foreign foundations, see instructions.)
1
Fair market value of assets not used (or held for use) directly in carrying out charitable, etc.,
purposes:
a
Average monthly fair market value of securities...................
1a
2,304,268
b
Average of monthly cash balances.......................
1b
60,429
c
Fair market value of all other assets (see instructions)................
1c
0
d
Total (add lines 1a, b, and c).........................
1d
2,364,697
e
Reduction claimed for blockage or other factors reported on lines 1a and
1c (attach detailed explanation) .............
1e
0
2
Acquisition indebtedness applicable to line 1 assets..................
2
0
3
Subtract line 2 from line 1d.........................
3
2,364,697
4
Cash deemed held for charitable activities. Enter 1.5% (0.015) of line 3 (for greater amount, see
instructions) .............................
4
35,470
5
Net value of noncharitable-use assets. Subtract line 4 from line 3. ............
5
2,329,227
6
Minimum investment return. Enter 5% (0.05) of line 5................
6
116,461
Part X
Distributable Amount (see instructions) (Section 4942(j)(3) and (j)(5) private operating foundations and certain foreign organizations check here right arrow and do not complete this part.)
1
Minimum investment return from Part IX, line 6..................
1
116,461
2a
Tax on investment income for 2024 from Part V, line 5 .......
2a
3,763
b
Income tax for 2024. (This does not include the tax from Part V.) ...
2b
 
c
Add lines 2a and 2b............................
2c
3,763
3
Distributable amount before adjustments. Subtract line 2c from line 1............
3
112,698
4
Recoveries of amounts treated as qualifying distributions................
4
0
5
Add lines 3 and 4............................
5
112,698
6
Deduction from distributable amount (see instructions).................
6
0
7
Distributable amount as adjusted. Subtract line 6 from line 5. Enter here and on Part XII, line 1 ...
7
112,698
Part XI
Qualifying Distributions (see instructions)
1
Amounts paid (including administrative expenses) to accomplish charitable, etc., purposes:
a
Expenses, contributions, gifts, etc.—total from Part I, column (d), line 26 ..........
1a
102,975
b
Program-related investments—total from Part VIII-B..................
1b
0
2
Amounts paid to acquire assets used (or held for use) directly in carrying out charitable, etc.,
purposes...............................
2
 
3
Amounts set aside for specific charitable projects that satisfy the:
a
Suitability test (prior IRS approval required)....................
3a
 
b
Cash distribution test (attach the required schedule) .................
3b
 
4
Qualifying distributions. Add lines 1a through 3b. Enter here and on Part XII, line 4. .......
4
102,975
Form 990-PF (2024)
Form 990-PF (2024)
Page 9
Part XII
Undistributed Income (see instructions)
(a)
Corpus 		(b)
Years prior to 2023 		(c)
2023 		(d)
2024
1 Distributable amount for 2024 from Part X, line 7 112,698
2 Undistributed income, if any, as of the end of 2024:
a Enter amount for 2023 only....... 65,033
b Total for prior years:20 , 20, 20 0
3 Excess distributions carryover, if any, to 2024:
a From 2019......  
b From 2020......  
c From 2021......  
d From 2022......  
e From 2023......  
f Total of lines 3a through e ........ 0
4Qualifying distributions for 2024 from Part
XI, line 4: right arrow$ 102,975
a Applied to 2023, but not more than line 2a 65,033
b Applied to undistributed income of prior years
(Election required—see instructions)..... 		0
c Treated as distributions out of corpus (Election
required—see instructions)........ 		0
d Applied to 2024 distributable amount..... 37,942
e Remaining amount distributed out of corpus 0
5 Excess distributions carryover applied to 2024. 0 0
(If an amount appears in column (d), the
same amount must be shown in column (a).)
6Enter the net total of each column as
indicated below:
a Corpus. Add lines 3f, 4c, and 4e. Subtract line 5 0
b Prior years’ undistributed income. Subtract
line 4b from line 2b .......... 		0
c Enter the amount of prior years’ undistributed
income for which a notice of deficiency has
been issued, or on which the section 4942(a)
tax has been previously assessed...... 		0
d Subtract line 6c from line 6b. Taxable amount
—see instructions ........... 		0
e Undistributed income for 2023. Subtract line
4a from line 2a. Taxable amount—see
instructions ............. 		0
f Undistributed income for 2024. Subtract
lines 4d and 5 from line 1. This amount must
be distributed in 2025 .......... 		74,756
7 Amounts treated as distributions out of
corpus to satisfy requirements imposed by
section 170(b)(1)(F) or 4942(g)(3) (Election may
be required - see instructions) ....... 		0
8 Excess distributions carryover from 2019 not
applied on line 5 or line 7 (see instructions) ... 		0
9 Excess distributions carryover to 2025.
Subtract lines 7 and 8 from line 6a ...... 		0
10 Analysis of line 9:
a Excess from 2020....  
b Excess from 2021....  
c Excess from 2022....  
d Excess from 2023....  
e Excess from 2024....  
Form 990-PF (2024)
Form 990-PF (2024)
Page 10
Part XIII
Private Operating Foundations (see instructions and Part VI-A, question 9)
1a If the foundation has received a ruling or determination letter that it is a private operating
foundation, and the ruling is effective for 2024, enter the date of the ruling ...... right arrow
 
b Check box to indicate whether the organization is a private operating foundation described in section or
2a Enter the lesser of the adjusted net
income from Part I or the minimum
investment return from Part IX for each
year listed .......... 		Tax year Prior 3 years (e) Total
(a) 2024 (b) 2023 (c) 2022 (d) 2021
         
b 85% (0.85) of line 2a .........          
c Qualifying distributions from Part XI,
line 4 for each year listed ..... 		         
d Amounts included in line 2c not used directly
for active conduct of exempt activities .......... 		         
e Qualifying distributions made directly
for active conduct of exempt activities.
Subtract line 2d from line 2c .... 		         
3 Complete 3a, b, or c for the
alternative test relied upon:
a “Assets" alternative test—enter:
(1) Value of all assets ......          
(2) Value of assets qualifying
under section 4942(j)(3)(B)(i)		          
b “Endowment" alternative test— enter 2/3
of minimum investment return shown in
Part IX, line 6 for each year listed .. 		         
c “Support" alternative test—enter:
(1) Total support other than gross
investment income (interest,
dividends, rents, payments
on securities loans (section
512(a)(5)), or royalties) .... 		         
(2) Support from general public
and 5 or more exempt
organizations as provided in
section 4942(j)(3)(B)(iii).... 		         
(3) Largest amount of support
from an exempt organization		          
(4) Gross investment income          
Part XIV
Supplementary Information (Complete this part only if the foundation had $5,000 or more in
assets at any time during the year—see instructions.)
1Information Regarding Foundation Managers:
aList any managers of the foundation who have contributed more than 2% of the total contributions received by the foundation
before the close of any tax year (but only if they have contributed more than $5,000). (See section 507(d)(2).)
bList any managers of the foundation who own 10% or more of the stock of a corporation (or an equally large portion of the
ownership of a partnership or other entity) of which the foundation has a 10% or greater interest.
2Information Regarding Contribution, Grant, Gift, Loan, Scholarship, etc., Programs:
Check here right arrow if the foundation only makes contributions to preselected charitable organizations and does not accept
unsolicited requests for funds. If the foundation makes gifts, grants, etc. to individuals or organizations under
other conditions, complete items 2a, b, c, and d. See instructions
aThe name, address, and telephone number or e-mail address of the person to whom applications should be addressed:
MATTHEW C CRAMER
833 WEST KING STREET
SHIPPENSBURG,PA17257
(717) 530-8600
bThe form in which applications should be submitted and information and materials they should include:
NO SPECIFIC FORM - GRANTEES MUST BE PUBLIC CHARITIES, INCLUDE NAME, ADDRESS, EIN, AND SPECIFIC PURPOSE OF REQUEST IF ANY
cAny submission deadlines:
NONE
dAny restrictions or limitations on awards, such as by geographical areas, charitable fields, kinds of institutions, or other
factors:
NONE
Form 990-PF (2024)
Form 990-PF (2024)
Page 11
Part XIV
Supplementary Information (continued)
3 Grants and Contributions Paid During the Year or Approved for Future Payment
Recipient If recipient is an individual,
show any relationship to
any foundation manager
or substantial contributor
 Foundation
status of
recipient 		Purpose of grant or
contribution 		Amount
Name and address (home or business)
aPaid during the year

BOYS & GIRLS CLUB OF CHAMBERSBURG & SHIPPENSBURG

73 W BURD ST
SHIPPENSBURG,PA17257 		NONE PC GENERAL CONTRIBUTION 2,000

CHRIST AMONG NEIGHBORS

130 S PENN ST
SHIPPENSBURG,PA17257 		NONE PC GENERAL CONTRIBUTION 5,000

CIRCLE OF LOVE COMMUNITY

21 N PRINCE ST
SHIPPENSBURG,PA17257 		NONE PC GENERAL CONTRIBUTION 2,500

CIVIC CLUB OF SHIPPENSBURG

PO BOX 593
SHIPPENSBURG,PA17257 		NONE PC SUPPORT COMMUNITY NURSE PROGRAM 5,000

COMMUNITY CARES

50 W PENN ST
CARLISLE,PA17013 		NONE PC GENERAL CONTRIBUTION 2,500

DREW MICHAEL TAYLOR FOUNDATION

946 ASHTON DRIVE
SHIPPENSBURG,PA17257 		NONE PC GENERAL CONTRIBUTION 2,500

KATIE'S PLACE OF SHIPPENSBURG

130 S PENN STREET
SHIPPENSBURG,PA17257 		NONE PC GENERAL CONTRIBUTION 5,000

MAKE-A-WISH

2951 WHITEFORD ROAD SUITE 304
YORK,PA17402 		NONE PC GENERAL CONTRIBUTION 2,000

MEET THE NEEDS INC

130 S PENN ST
SHIPPENSBURG,PA17257 		NONE PC GENERAL CONTRIBUTION 2,500

NEWBURG FIRST CHURCH OF GOD

260 NEWBURG RD
NEWBURG,PA17240 		NONE PC GENERAL CONTRIBUTION 5,000

NEWBURG UNITED METHODIST CHURCH

203 NORTH HIGH STREET
NEWBURG,PA17240 		NONE PC GENERAL CONTRIBUTION 5,000

NEWBURG-HOPEWELL VOLUNTEER FIRE COMPANY

PO BOX 5
NEWBURG,PA17240 		NONE PC GENERAL CONTRIBUTION 5,000

REINS OF RHYTHM RIDING & HORSEMANSHIP INC

1257 BLACK GAP RD
FAYETTEVILLE,PA17222 		NONE PC GENERAL CONTRIBUTION 2,500

ROCK RUN ANIMAL RESCUE

PO BOX 272
NEWVILLE,PA17241 		NONE PC GENERAL CONTRIBUTION 2,000

SHIPPENSBURG AREA ATHLETIC ASSOCIATION

4 RAVEN WAY
SHIPPENSBURG,PA17257 		NONE PC STADIUM RENOVATION 2,500

SHIPPENSBURG AREA EMS

711 E ORANGE ST
SHIPPENSBURG,PA17257 		NONE PC GENERAL CONTRIBUTION 2,500

SHIPPENSBURG AREA LITTLE LEAGUE

PO BOX 461
SHIPPENSBURG,PA17257 		NONE PC GENERAL CONTRIBUTION 5,000

SHIPPENSBURG MEALS ON WHEELS

115 N FAYETTE ST
SHIPPENSBURG,PA17257 		NONE PC GENERAL CONTRIBUTION 2,500

SHIPPENSBURG PRODUCE OUTREACH INC

130 S PENN ST
SHIPPENSBURG,PA17257 		NONE PC GENERAL CONTRIBUTION 5,000

SHIPPENSBURG PUBLIC LIBRARY

73 W KING STREET
SHIPPENSBURG,PA17257 		NONE PC GENERAL CONTRIBUTION 2,500

ST ANDREW'S EPISCOPAL CHURCH

204 E BURD ST
SHIPPENSBURG,PA17257 		NONE PC GENERAL CONTRIBUTION 2,500

SU FOUNDATIONSCRC

500 NEWBURG RD
SHIPPENSBURG,PA17257 		NONE PC GENERAL CONTRIBUTION 2,500

UNITED WAY OF SHIPPENSBURG AREA

PO BOX 3
SHIPPENSBURG,PA17257 		NONE PC GENERAL CONTRIBUTION 10,000

VIGILANT HOSE COMPANY #1

20 WALNUT BOTTOM ROAD
SHIPPENSBURG,PA17257 		NONE PC GENERAL CONTRIBUTION 4,500

WEST END FIRE & RESCUE COMPANY NO 3

49 LURGAN AVENUE
SHIPPENSBURG,PA17257 		NONE PC GENERAL CONTRIBUTION 4,500

CUMBERLAND VALLEY HOST COMPANY #2

62 W KING ST
SHIPPENSBURG,PA17257 		NONE PC GENERAL CONTRIBUTION 2,500

SHIPPENSBURG POLICE FOUNDATION

PO BOX 435
SHIPPENSBURG,PA17257 		NONE PC GENERAL CONTRIBUTION 3,500

SHIPPENSBURG KIDS EVENTS COMMITTEE

116 W KING ST
SHIPPENSBURG,PA17257 		NONE PC GENERAL CONTRIBUTION 3,000
Total .................................right arrow 3a 101,500
bApproved for future payment
Total ................................. right arrow 3b 0
Form 990-PF (2024)
Form 990-PF (2024)
Page 12
Part XV-A
Analysis of Income-Producing Activities
Enter gross amounts unless otherwise indicated. Unrelated business income Excluded by section 512, 513, or 514 (e)
Related or exempt
function income
(See instructions.)
1Program service revenue: (a)
Business code 		(b)
Amount 		(c)
Exclusion code 		(d)
Amount
a
b
c
d
e
f
gFees and contracts from government agencies          
2 Membership dues and assessments ....          
3 Interest on savings and temporary cash
investments ........... 		         
4 Dividends and interest from securities ....     14 84,462  
5 Net rental income or (loss) from real estate:
aDebt-financed property......          
bNot debt-financed property.....          
6 Net rental income or (loss) from personal property          
7 Other investment income .....          
8 Gain or (loss) from sales of assets other than
inventory ............ 		    18 194,831  
9 Net income or (loss) from special events:          
10 Gross profit or (loss) from sales of inventory          
11 Other revenue:
a
b
c
d
e
12 Subtotal. Add columns (b), (d), and (e) .. 0 279,293 0
13Total. Add line 12, columns (b), (d), and (e)..................
13
279,293
(See worksheet in line 13 instructions to verify calculations.)
Part XV-B
Relationship of Activities to the Accomplishment of Exempt Purposes
Line No.
DownArrow 		Explain below how each activity for which income is reported in column (e) of Part XV-A contributed importantly to
the accomplishment of the foundation’s exempt purposes (other than by providing funds for such purposes). (See
instructions.)
Form 990-PF (2024)
Form 990-PF (2024)
Page 13
Part XVI
Information Regarding Transfers To and Transactions and Relationships With Noncharitable Exempt Organizations
1
Did the organization directly or indirectly engage in any of the following with any other organization described in section 501(c) (other than section 501(c)(3) organizations) or in section 527, relating to political organizations?
Yes
No
a
Transfers from the reporting foundation to a noncharitable exempt organization of:
(1) Cash...................................
1a(1)
 
No
(2) Other assets.................................
1a(2)
 
No
b
Other transactions:
(1) Sales of assets to a noncharitable exempt organization....................
1b(1)
 
No
(2) Purchases of assets from a noncharitable exempt organization..................
1b(2)
 
No
(3) Rental of facilities, equipment, or other assets.......................
1b(3)
 
No
(4) Reimbursement arrangements...........................
1b(4)
 
No
(5) Loans or loan guarantees.............................
1b(5)
 
No
(6) Performance of services or membership or fundraising solicitations................
1b(6)
 
No
c
Sharing of facilities, equipment, mailing lists, other assets, or paid employees..............
1c
 
No
d
If the answer to any of the above is "Yes," complete the following schedule. Column (b) should always show the fair market value
of the goods, other assets, or services given by the reporting foundation. If the foundation received less than fair market value
in any transaction or sharing arrangement, show in column (d) the value of the goods, other assets, or services received.
(a) Line No. (b) Amount involved (c) Name of noncharitable exempt organization (d) Description of transfers, transactions, and sharing arrangements
2a
Is the foundation directly or indirectly affiliated with, or related to, one or more tax-exempt organizations
described in section 501(c) (other than section 501(c)(3)) or in section 527? ...........
b
If "Yes," complete the following schedule.

(a) Name of organization (b) Type of organization (c) Description of relationship
Sign Here
Under penalties of perjury, I declare that I have examined this return, including accompanying schedules and statements, and to the best of my knowledge and belief, it is true, correct, and complete. Declaration of preparer (other than taxpayer) is based on all information of which preparer has any knowledge.
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May the IRS discuss this return
with the preparer shown below?
See instructions.
Signature of officer or trustee Date Title
Paid Preparer Use Only Print/Type preparer's name Preparer's Signature Date Check if self-
employed right arrow		 PTIN
Firm's name Right Arrow
 Firm's EIN Right Arrow
Firm's address Right Arrow


 Phone no.
Form 990-PF (2024)
Additional Data


Software ID:  
Software Version:  


Form 990PF - Special Condition Description:
Special Condition Description
Schedule B
(Form 990)
(Rev. January 2025)
Department of the Treasury
Internal Revenue Service
Schedule of Contributors

right arrow Attach to Form 990, 990-EZ, or 990-PF.
right arrow Go to www.irs.gov/Form990 for the latest information.
OMB No. 1545-0047
Name of the organization
CARL L AND GLENDA T CRAMER
CHARITABLE FOUNDATION
Employer identification number

47-5335629
Organization type (check one):
Filers of:
Section:
Form 990 or 990-EZ
501(c)( ) (enter number) organization

4947(a)(1) nonexempt charitable trust not treated as a private foundation

527 political organization


Form 990-PF
501(c)(3) exempt private foundation

4947(a)(1) nonexempt charitable trust treated as a private foundation

501(c)(3) taxable private foundation
Check if your organization is covered by the General Rule or a Special Rule.  
Note:  Only a section 501(c)(7), (8), or (10) organization can check boxes for both the General Rule and a Special Rule. See instructions.
General Rule
For an organization filing Form 990, 990-EZ, or 990-PF that received, during the year, contributions totaling $5,000 or more (in money or other property) from any one contributor. Complete Parts I and II. See instructions for determining a contributor's total contributions.
Special Rules
For an organization described in section 501(c)(3) filing Form 990 or 990-EZ that met the 331/3% support test of the regulations
under sections 509(a)(1) and 170(b)(1)(A)(vi), that checked Schedule A (Form 990 or 990-EZ), Part II, line 13, 16a, or 16b, and that received from any one contributor, during the year, total contributions of the greater of (1) $5,000 or (2) 2% of the amount on (i) Form 990, Part VIII, line 1h, or (ii) Form 990-EZ, line 1. Complete Parts I and II.
For an organization described in section 501(c)(7), (8), or (10) filing Form 990 or 990-EZ that received from any one contributor,
during the year, total contributions of more than $1,000 exclusively for religious, charitable, scientific, literary, or educational purposes, or for the prevention of cruelty to children or animals. Complete Parts I, II, and III.
For an organization described in section 501(c)(7), (8), or (10) filing Form 990 or 990-EZ that received from any one contributor,
during the year, contributions exclusively for religious, charitable, etc., purposes, but no such contributions totaled more than $1,000. If this box is checked, enter here the total contributions that were received during the year for an exclusively religious, charitable, etc., purpose. Don't complete any of the parts unless the General Rule applies to this organization because it received nonexclusively religious, charitable, etc., contributions totaling $5,000 or more during the year ......... Right Arrow $  
Caution: An organization that isn't covered by the General Rule and/or the Special Rules doesn't file Schedule B (Form 990,
990-EZ, or 990-PF), but it must answer “No” on Part IV, line 2, of its Form 990; or check the box on line H of its Form 990-EZ
or on its Form 990PF, Part I, line 2, to certify that it doesn't meet the filing requirements of Schedule B (Form 990,
990-EZ, or 990-PF).
For Paperwork Reduction Act Notice, see the Instructions
for Form 990, 990-EZ, or 990-PF.
Cat. No. 30613XSchedule B (Form 990) (Rev. 1-2025)
Schedule B (Form 990) (Rev. 1-2025) Page 2
Name of organization
CARL L AND GLENDA T CRAMER
CHARITABLE FOUNDATION 		Employer identification number
47-5335629
Part I
Contributors (see instructions). Use duplicate copies of Part I if additional space is needed.
(a)
No.		 (b)
Name, address, and ZIP + 4		 (c)
Total contributions		 (d)
Type of contribution
1
MATTHEW C & KIMBERLY D CRAMER
 
833 WEST KING STREET
 
SHIPPENSBURG, PA17257

$ 25,000


(Complete Part II for noncash contributions.)
(a)
No.		 (b)
Name, address, and ZIP + 4		 (c)
Total contributions		 (d)
Type of contribution
 
 
 
 

$  


(Complete Part II for noncash contributions.)
(a)
No.		 (b)
Name, address, and ZIP + 4		 (c)
Total contributions		 (d)
Type of contribution
 
 
 
 

$  


(Complete Part II for noncash contributions.)
(a)
No.		 (b)
Name, address, and ZIP + 4		 (c)
Total contributions		 (d)
Type of contribution
 
 
 
 

$  


(Complete Part II for noncash contributions.)
(a)
No.		 (b)
Name, address, and ZIP + 4		 (c)
Total contributions		 (d)
Type of contribution
 
 
 
 

$  


(Complete Part II for noncash contributions.)
(a)
No.		 (b)
Name, address, and ZIP + 4		 (c)
Total contributions		 (d)
Type of contribution
 
 
 
 

$  


(Complete Part II for noncash contributions.)
Schedule B (Form 990) (Rev. 1-2025)
Schedule B (Form 990) (Rev. 1-2025)
Page 3
Name of organization
CARL L AND GLENDA T CRAMER
CHARITABLE FOUNDATION 		Employer identification number

47-5335629
Part II
Noncash Property (see instructions). Use duplicate copies of Part II if additional space is needed.
(a)
No. from Part I 		(b)
Description of noncash property given 		(c)
FMV (or estimate)
(See instructions) 		(d)
Date received
 
$    
(a)
No. from Part I 		(b)
Description of noncash property given 		(c)
FMV (or estimate)
(See instructions) 		(d)
Date received
 
$    
(a)
No. from Part I 		(b)
Description of noncash property given 		(c)
FMV (or estimate)
(See instructions) 		(d)
Date received
 
$    
(a)
No. from Part I 		(b)
Description of noncash property given 		(c)
FMV (or estimate)
(See instructions) 		(d)
Date received
 
$    
(a)
No. from Part I 		(b)
Description of noncash property given 		(c)
FMV (or estimate)
(See instructions) 		(d)
Date received
 
$    
(a)
No. from Part I 		(b)
Description of noncash property given 		(c)
FMV (or estimate)
(See instructions) 		(d)
Date received
 
$    
Schedule B (Form 990) (Rev. 1-2025)
Schedule B (Form 990) (Rev. 1-2025)
Page 4
Name of organization
CARL L AND GLENDA T CRAMER
CHARITABLE FOUNDATION 		Employer identification number

47-5335629
Part III
Exclusively religious, charitable, etc., contributions to organizations described in section 501(c) (7), (8), or (10) that total more than $1,000 for the year from any one contributor. Complete columns (a) through (e) and the following line entry. For organizations completing Part III, enter the total of exclusively religious, charitable, etc., contributions of $1,000 or less for the year. (Enter this information once. See instructions.) $  
Use duplicate copies of Part III if additional space is needed.
(a)
No. from Part I		 (b) Purpose of gift (c) Use of gift (d) Description of how gift is held
 
(e) Transfer of gift
Transferee's name, address, and ZIP 4 Relationship of transferor to transferee
 
 
     
 
(a)
No. from Part I		 (b) Purpose of gift (c) Use of gift (d) Description of how gift is held
 
(e) Transfer of gift
Transferee's name, address, and ZIP 4 Relationship of transferor to transferee
 
 
     
 
(a)
No. from Part I		 (b) Purpose of gift (c) Use of gift (d) Description of how gift is held
 
(e) Transfer of gift
Transferee's name, address, and ZIP 4 Relationship of transferor to transferee
 
 
     
 
(a)
No. from Part I		 (b) Purpose of gift (c) Use of gift (d) Description of how gift is held
 
(e) Transfer of gift
Transferee's name, address, and ZIP 4 Relationship of transferor to transferee
 
 
     
 
Schedule B (Form 990) (Rev. 1-2025)
Additional Data


Software ID:  
Software Version:  

TY 2024 AccountingFeesSchedule
Name:
CARL L AND GLENDA T CRAMER
 
CHARITABLE FOUNDATION
EIN:
47-5335629
Category Amount Net Investment Income Adjusted Net Income Disbursements for Charitable Purposes
ACCOUNTING 2,950 1,475   1,475

TY 2024 InvestmentsCorpBondsSchedule
Name:
CARL L AND GLENDA T CRAMER
 
CHARITABLE FOUNDATION
EIN:
47-5335629
Name of Bond End of Year Book Value End of Year Fair Market Value
CORPORATE BONDS 204,698 202,375

TY 2024 InvestmentsCorpStockSchedule
Name:
CARL L AND GLENDA T CRAMER
 
CHARITABLE FOUNDATION
EIN:
47-5335629
Name of Stock End of Year Book Value End of Year Fair Market Value
CORPORATE STOCKS 2,019,002 2,044,335

TY 2024 InvestmentsGovtObligationsSch
Name:
CARL L AND GLENDA T CRAMER
 
CHARITABLE FOUNDATION
EIN:
47-5335629
US Government Securities - End of Year Book Value:

99,316
US Government Securities - End of Year Fair Market Value:

100,266
State & Local Government Securities - End of Year Book Value:


0
State & Local Government Securities - End of Year Fair Market Value:


0


TY 2024 OtherProfessionalFeesSchedule
Name:
CARL L AND GLENDA T CRAMER
 
CHARITABLE FOUNDATION
EIN:
47-5335629
Category Amount Net Investment Income Adjusted Net Income Disbursements for Charitable Purposes
FINANCIAL ADVISOR 7,096 7,096   0


TY 2024 TaxesSchedule
Name:
CARL L AND GLENDA T CRAMER
 
CHARITABLE FOUNDATION
EIN:
47-5335629
Category Amount Net Investment Income Adjusted Net Income Disbursements for Charitable Purposes
FEDERAL INCOME TAXES PAID 525 0   0