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
JOHN B & BROWNIE YOUNG MEMORIAL FUND
 
Number and street (or P.O. box number if mail is not delivered to street address)PO BOX 948
  Room/suite
City or town, state or province, country, and ZIP or foreign postal code
OWENSBORO, KY423020948
A Employer identification number

61-6025137
B Telephone number (see instructions)

(270) 689-9861
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$19,846,070J 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) 52,176
2 Check right arrow.............
3 Interest on savings and temporary cash investments 73,132 73,132  
4 Dividends and interest from securities... 412,617 412,617  
5a Gross rents............      
b Net rental income or (loss)  
6a Net gain or (loss) from sale of assets not on line 10 1,206
b Gross sales price for all assets on line 6a 806,699
7 Capital gain net income (from Part IV, line 2)... 1,206
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)....... Click to see attachment
List of Attached Documents:
// Content
3,621 0  
12 Total. Add lines 1 through 11........ 542,752 486,955  
Operating and Administrative Expenses 13 Compensation of officers, directors, trustees, etc. 94,010 28,203   65,807
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
5,514 2,757   2,757
c Other professional fees (attach schedule)....        
17 Interest...............        
18 Taxes (attach schedule) (see instructions)... Click to see attachment
List of Attached Documents:
// Content
19,681 8,171   0
19 Depreciation (attach schedule) and depletion...      
20 Occupancy..............        
21 Travel, conferences, and meetings.......        
22 Printing and publications..........        
23 Other expenses (attach schedule)....... Click to see attachment
List of Attached Documents:
// Content
2,315 0   1,900
24 Total operating and administrative expenses.
Add lines 13 through 23.......... 121,520 39,131   70,464
25 Contributions, gifts, grants paid....... 655,340 655,340
26 Total expenses and disbursements. Add lines 24 and 25 776,860 39,131   725,804
27 Subtract line 26 from line 12:
a Excess of revenue over expenses and disbursements -234,108
b Net investment income (if negative, enter -0-) 447,824
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......... 1,590,470 1,380,038 1,380,038
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) 1,471,583 Click to see attachment
List of Attached Documents:
// Content
1,075,807 		1,008,555
b Investments—corporate stock (attach schedule)....... 3,827,069 Click to see attachment
List of Attached Documents:
// Content
3,600,447 		7,847,840
c Investments—corporate bonds (attach schedule)....... 2,827,440 Click to see attachment
List of Attached Documents:
// Content
2,642,766 		2,491,074
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).......... 4,208,056 Click to see attachment
List of Attached Documents:
// Content
5,025,186 		7,118,563
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) 13,924,618 13,724,244 19,846,070
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........ 13,924,618 13,724,244
27 Paid-in or capital surplus, or land, bldg., and equipment fund 0 0
28 Retained earnings, accumulated income, endowment, or other funds 0 0
29 Total net assets or fund balances (see instructions)..... 13,924,618 13,724,244
30 Total liabilities and net assets/fund balances (see instructions). 13,924,618 13,724,244
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
13,924,618
2
Enter amount from Part I, line 27a .....................
2
-234,108
3
Other increases not included in line 2 (itemize) right arrowClick to see attachment
List of Attached Documents:
// Content
3
33,734
4
Add lines 1, 2, and 3 ..........................
4
13,724,244
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
13,724,244
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 PUBLICLY TRADED SECURITIES      
b
c
d
e
(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 806,699   805,493 1,206
b
c
d
e
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       1,206
b
c
d
e
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 1,206
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 6,225
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 6,225
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 6,225
6 Credits/Payments:
a 2024 estimated tax payments and 2023 overpayment credited to 2024 6a 5,760
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 5,760
8 Enter any penalty for underpayment of estimated tax. Check here if Form 2220 is attached. 8 0
9 Tax due. If the total of lines 5 and 8 is more than line 7, enter amount owed.......right arrow 9 465
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
Yes
 
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 arrowKY
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
Yes
 
Website addressright arrowWWW.JBBYSCHOLARSHIP.COM
14
The books are in care ofright arrowINDEPENDENCE BANK Telephone no.right arrow (270) 689-9861

Located atright arrowPO BOX 948OWENSBOROKY ZIP+4right arrow423020948
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)
Yes
 
(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
 
No
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)
Yes
 
(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
 
No
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
INDEPENDENCE BANK TRUSTEE
20.00 		84,652 0 0
PO BOX 948
OWENSBORO,KY423020948
DAVIESS CO BOARD OF EDUCATION COMMITTEE MEMBER
1.00 		2,000 0 0
PO BOX 21510
OWENSBORO,KY42304
MCLEAN COUNTY BOARD OF EDUCATION COMMITTEE MEMBER
1.00 		2,000 0 0
PO BOX 245
CALHOUN,KY42327
OWENSBORO BOARD OF EDUCATION COMMITTEE MEMBER
1.00 		2,000 0 0
450 GRIFFITH AVENUE
OWENSBORO,KY42301
OWENSBORO CATHOLIC SCHOOL DIOCESE COMMITTEE MEMBER
1.00 		2,000 0 0
600 LOCUST STREET
OWENSBORO,KY42301
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
17,776,503
b
Average of monthly cash balances.......................
1b
1,379,665
c
Fair market value of all other assets (see instructions)................
1c
0
d
Total (add lines 1a, b, and c).........................
1d
19,156,168
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
19,156,168
4
Cash deemed held for charitable activities. Enter 1.5% (0.015) of line 3 (for greater amount, see
instructions) .............................
4
287,343
5
Net value of noncharitable-use assets. Subtract line 4 from line 3. ............
5
18,868,825
6
Minimum investment return. Enter 5% (0.05) of line 5................
6
943,441
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
943,441
2a
Tax on investment income for 2024 from Part V, line 5 .......
2a
6,225
b
Income tax for 2024. (This does not include the tax from Part V.) ...
2b
 
c
Add lines 2a and 2b............................
2c
6,225
3
Distributable amount before adjustments. Subtract line 2c from line 1............
3
937,216
4
Recoveries of amounts treated as qualifying distributions................
4
33,734
5
Add lines 3 and 4............................
5
970,950
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
970,950
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
725,804
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
725,804
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 7 970,950
2 Undistributed income, if any, as of the end of 2024:
a Enter amount for 2023 only....... 0
b Total for prior years:20 , 20, 20 0
3 Excess distributions carryover, if any, to 2024:
a From 2019...... 172,265
b From 2020......  
c From 2021......  
d From 2022......  
e From 2023...... 255,693
f Total of lines 3a through e ........ 427,958
4Qualifying distributions for 2024 from Part
XI, line 4: right arrow$ 725,804
a Applied to 2023, but not more than line 2a 0
b Applied to undistributed income of prior years
(Election required—see instructions)..... 		0
c Treated as distributions out of corpus (Election
required—see instructions)........ 		Click to see attachment
List of Attached Documents:
// Content
150,436
d Applied to 2024 distributable amount..... 575,368
e Remaining amount distributed out of corpus 0
5 Excess distributions carryover applied to 2024. 395,582 395,582
(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 5 182,812
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 .......... 		0
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) ....... 		150,436
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 ...... 		32,376
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.... 32,376
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:
INDEPENDENCE BANK
PO BOX 948
OWENSBORO,KY423020948
(270) 689-9861
bThe form in which applications should be submitted and information and materials they should include:
COMPLETED APPLICATION ALONG WITH TRANSCRIPT OF GRADES.
cAny submission deadlines:
ACADEMIC SCHOOL YEAR.
dAny restrictions or limitations on awards, such as by geographical areas, charitable fields, kinds of institutions, or other
factors:
UNMARRIED STUDENTS IN THE TOP ONE-THIRD OF GRADUATING CLASSES OF PUBLIC AND CATHOLIC HIGH SCHOOLS IN THE OWENSBORO, DAVIESS COUNTY AND MCLEAN COUNTY, KENTUCKY SCHOOL DISTRICTS.
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

DAVIESS COUNTY BOARD OF EDUCATION

1622 SOUTHEASTERN PARKWAY
OWENSBORO,KY42303 		  PC GENERAL 2,400

OWENSBORO PUBLIC SCHOOLS BOARD OF EDUCATION

450 GRIFFITH AVENUE
OWENSBORO,KY42303 		  PC GENERAL 1,600

DIOCESE OF OWENSBORO

600 LOCUST STREET
OWENSBORO,KY42301 		  PC GENERAL 1,600

MCLEAN COUNTY BOARD OF EDUCATION

410 KY-136 EAST
CALHOUN,KY42327 		  PC GENERAL 800
ADYSON MATTINGLY


1 MACKLEM DR
WILMORE,KY40390 		  I SCHOLARSHIP 2,148
ELLE BREY


182 S COLLEGE ST
AUBURN,AL36849 		  I SCHOLARSHIP 500
SAMUEL GLOVER


182 S COLLEGE ST
AUBURN,AL36849 		  I SCHOLARSHIP 500
HOLLY WILKERSON


601 COLLEGE ST
CLARKSVILLE,TN37044 		  I SCHOLARSHIP 2,350
WILLIAM TAYLOR


1301 S UNIVERSITY PARKS DR
WACO,TX76706 		  I SCHOLARSHIP 13,653
OLIVIA BAIRD


2001 NEWBURG RD
LOUISVILLE,KY40205 		  I SCHOLARSHIP 7,560
CANDI JIMENEZ-ADAME


2001 NEWBURG RD
LOUISVILLE,KY40205 		  I SCHOLARSHIP 500
ANDREW MUNSTER


2001 NEWBURG RD
LOUISVILLE,KY40205 		  I SCHOLARSHIP 500
ANNALEE YAGER


1900 BELMONT BLVD
NASHVILLE,TN37212 		  I SCHOLARSHIP 500
TAYLOR GAGE


101 CHESTNUT ST
BEREA,KY40403 		  I SCHOLARSHIP 500
SADY COMBS


717 FREDERICA ST
OWENSBORO,KY42301 		  I SCHOLARSHIP 500
HAYDEN COX


717 FREDERICA ST
OWENSBORO,KY42301 		  I SCHOLARSHIP 250
MICHAEL EDGE


717 FREDERICA ST
OWENSBORO,KY42301 		  I SCHOLARSHIP 500
BREANNA FRAILLEY


717 FREDERICA ST
OWENSBORO,KY42301 		  I SCHOLARSHIP 500
STELLA BLUE GILLIAM


717 FREDERICA ST
OWENSBORO,KY42301 		  I SCHOLARSHIP 500
JACOB HOWARD


717 FREDERICA ST
OWENSBORO,KY42301 		  I SCHOLARSHIP 250
JENNIFER LEE


717 FREDERICA ST
OWENSBORO,KY42301 		  I SCHOLARSHIP 500
NATALIE PETRI


717 FREDERICA ST
OWENSBORO,KY42301 		  I SCHOLARSHIP 818
JALEE PINKSTON


717 FREDERICA ST
OWENSBORO,KY42301 		  I SCHOLARSHIP 750
CORAANNE ROBERTS


717 FREDERICA ST
OWENSBORO,KY42301 		  I SCHOLARSHIP 500
LOGAN ROYALTY


717 FREDERICA ST
OWENSBORO,KY42301 		  I SCHOLARSHIP 500
GAY TAW


717 FREDERICA ST
OWENSBORO,KY42301 		  I SCHOLARSHIP 500
LONDON WILHITE


717 FREDERICA ST
OWENSBORO,KY42301 		  I SCHOLARSHIP 2,876
EASTON BLANDFORD


1 UNIVERSITY DR
CAMPBELLSVILLE,KY42718 		  I SCHOLARSHIP 500
CLAIRE HUDSON


1 UNIVERSITY DR
CAMPBELLSVILLE,KY42718 		  I SCHOLARSHIP 3,160
CLAYTON LAWSON


1 UNIVERSITY DR
CAMPBELLSVILLE,KY42718 		  I SCHOLARSHIP 1,687
MASON QUALLS


1 UNIVERSITY DR
CAMPBELLSVILLE,KY42718 		  I SCHOLARSHIP 3,721
DAYSHAUN SANDERS


1 UNIVERSITY DR
CAMPBELLSVILLE,KY42718 		  I SCHOLARSHIP 1,106
KATE EVANS


600 W WALNUT ST
DANVILLE,KY40422 		  I SCHOLARSHIP 500
AIDAN TAYLOR


600 W WALNUT ST
DANVILLE,KY40422 		  I SCHOLARSHIP 500
CHLOE COOMES


521 LANCASTER AVE
RICHMOND,KY40475 		  I SCHOLARSHIP 2,318
NOAH DILLBECK


521 LANCASTER AVE
RICHMOND,KY40475 		  I SCHOLARSHIP 1,425
GARRETT GARGUS


521 LANCASTER AVE
RICHMOND,KY40475 		  I SCHOLARSHIP 500
KAITLYNN GREEN


521 LANCASTER AVE
RICHMOND,KY40475 		  I SCHOLARSHIP 500
JOSEPHINE HAGAN


521 LANCASTER AVE
RICHMOND,KY40475 		  I SCHOLARSHIP 500
KAYLEE HAMILTON


521 LANCASTER AVE
RICHMOND,KY40475 		  I SCHOLARSHIP 7,954
OLIVIA KENNEDY


521 LANCASTER AVE
RICHMOND,KY40475 		  I SCHOLARSHIP 1,219
LOGAN KERWICK


521 LANCASTER AVE
RICHMOND,KY40475 		  I SCHOLARSHIP 250
CHRISTIAN TAYLOR


521 LANCASTER AVE
RICHMOND,KY40475 		  I SCHOLARSHIP 500
ELIZABETH GARDNER


1111 N GLENSTONE AVE
SPRINGFIELD,MO65802 		  I SCHOLARSHIP 500
SYDNEY LOVETT


101 BRANIGAN BLVD
FRANKLIN,IN46131 		  I SCHOLARSHIP 11,230
LUKE FLOYD


400 E COLLEGE ST
GEORGETOWN,KY40324 		  I SCHOLARSHIP 1,823
FAITH MUNSTER


400 E COLLEGE ST
GEORGETOWN,KY40324 		  I SCHOLARSHIP 500
JAVION ROBINSON


484 BALL DR
HANOVER,IN47243 		  I SCHOLARSHIP 10,683
ALANA RONE


484 BALL DR
HANOVER,IN47243 		  I SCHOLARSHIP 500
VIRGINIA YOUNG


484 BALL DR
HANOVER,IN47243 		  I SCHOLARSHIP 500
DAVID DANIEL


MASSACHUSETTS HALL
CAMBRIDGE,MA21380 		  I SCHOLARSHIP 500
WILLIAM CARRICO


33 E COLLEGE ST
HILLSDALE,MI49242 		  I SCHOLARSHIP 500
RILEY MINTON


107 S INDIANA AVE
BLOOMINGTON,IN47405 		  I SCHOLARSHIP 500
JACOB LADWIG


3400 N CHARLES ST
BALTIMORE,MD21218 		  I SCHOLARSHIP 6,151
SANG THANG


1151 N STATE ST
ELGIN,IL60123 		  I SCHOLARSHIP 8,938
AARON BLAND


3000 FREDERICA ST
OWENSBORO,KY42301 		  I SCHOLARSHIP 500
MICHAEL CHANEY


3000 FREDERICA ST
OWENSBORO,KY42301 		  I SCHOLARSHIP 500
MORGAN CHANEY


3000 FREDERICA ST
OWENSBORO,KY42301 		  I SCHOLARSHIP 500
DAYRIS DIMAS CALDERON


3000 FREDERICA ST
OWENSBORO,KY42301 		  I SCHOLARSHIP 3,649
ELLA DUKES


3000 FREDERICA ST
OWENSBORO,KY42301 		  I SCHOLARSHIP 500
CHASE FOSTER


3000 FREDERICA ST
OWENSBORO,KY42301 		  I SCHOLARSHIP 500
ALLESSA HALL


3000 FREDERICA ST
OWENSBORO,KY42301 		  I SCHOLARSHIP 500
ADDISON HENRY


3000 FREDERICA ST
OWENSBORO,KY42301 		  I SCHOLARSHIP 250
RHIANNON HOLINDE


3000 FREDERICA ST
OWENSBORO,KY42301 		  I SCHOLARSHIP 500
GEORGIA HOWARD


3000 FREDERICA ST
OWENSBORO,KY42301 		  I SCHOLARSHIP 500
ABBY KIRBY


3000 FREDERICA ST
OWENSBORO,KY42301 		  I SCHOLARSHIP 500
BRADY LANHAM


3000 FREDERICA ST
OWENSBORO,KY42301 		  I SCHOLARSHIP 500
BRIANNA LAYMAN


3000 FREDERICA ST
OWENSBORO,KY42301 		  I SCHOLARSHIP 500
WILLIAM LOCHER


3000 FREDERICA ST
OWENSBORO,KY42301 		  I SCHOLARSHIP 500
MARY LYONS


3000 FREDERICA ST
OWENSBORO,KY42301 		  I SCHOLARSHIP 500
JEWEL MANGAYA


3000 FREDERICA ST
OWENSBORO,KY42301 		  I SCHOLARSHIP 500
HEATHER MAPES


3000 FREDERICA ST
OWENSBORO,KY42301 		  I SCHOLARSHIP 9,277
KAYLEA MAYNARD


3000 FREDERICA ST
OWENSBORO,KY42301 		  I SCHOLARSHIP 500
HSA MOE


3000 FREDERICA ST
OWENSBORO,KY42301 		  I SCHOLARSHIP 500
ZOEY MORRIS


3000 FREDERICA ST
OWENSBORO,KY42301 		  I SCHOLARSHIP 500
MOHAMMAD NAZARI


3000 FREDERICA ST
OWENSBORO,KY42301 		  I SCHOLARSHIP 250
MURSAL NAZARI


3000 FREDERICA ST
OWENSBORO,KY42301 		  I SCHOLARSHIP 500
KIRAN PATEL


3000 FREDERICA ST
OWENSBORO,KY42301 		  I SCHOLARSHIP 500
ABIGAIL PAYNE


3000 FREDERICA ST
OWENSBORO,KY42301 		  I SCHOLARSHIP 500
KAYLEE PRATER


3000 FREDERICA ST
OWENSBORO,KY42301 		  I SCHOLARSHIP 2,710
TAVION REED


3000 FREDERICA ST
OWENSBORO,KY42301 		  I SCHOLARSHIP 500
HARRISON SALLEE


3000 FREDERICA ST
OWENSBORO,KY42301 		  I SCHOLARSHIP 500
KIERSTEN TAYLOR


3000 FREDERICA ST
OWENSBORO,KY42301 		  I SCHOLARSHIP 500
EVIE TURNER


3000 FREDERICA ST
OWENSBORO,KY42301 		  I SCHOLARSHIP 500
LEAH WATHEN


3000 FREDERICA ST
OWENSBORO,KY42301 		  I SCHOLARSHIP 500
JERRICK WILLIAMS


3000 FREDERICA ST
OWENSBORO,KY42301 		  I SCHOLARSHIP 500
HALEY SAMS


3001 FREDERICA ST
OWENSBORO,KY42302 		  I SCHOLARSHIP 35,599
ELIJAH MASTERSON


900 SE BAKER ST
MCMINNVILLE,OR97128 		  I SCHOLARSHIP 5,571
ALISON BAXLEY


1 UNIVERSITY PARK DR
NASHVILLE,TN37204 		  I SCHOLARSHIP 22,737
DAWSON CRAVENS


1 UNIVERSITY PARK DR
NASHVILLE,TN37204 		  I SCHOLARSHIP 500
JACOB CAPPS


2000 COLLEGE DR
MADISONVILLE,KY42431 		  I SCHOLARSHIP 500
CHEYENNE COMPTON


2000 COLLEGE DR
MADISONVILLE,KY42431 		  I SCHOLARSHIP 500
KELSEY HODGES


2000 COLLEGE DR
MADISONVILLE,KY42431 		  I SCHOLARSHIP 500
COHEN MORRIS


220 TROWBRIDGE RD
EAST LANSING,MI48824 		  I SCHOLARSHIP 7,858
A'LYRICA HUGHES


512 E STEPHENS ST
MIDWAY,KY40347 		  I SCHOLARSHIP 500
LYRIC HANCOCK


150 UNIVERSITY BLVD
MOREHEAD,KY40351 		  I SCHOLARSHIP 500
MADELYNN MCKITTRICK


150 UNIVERSITY BLVD
MOREHEAD,KY40351 		  I SCHOLARSHIP 500
BENJAMIN AUSTIN


102 CURRIS CENTER
MURRAY,KY42071 		  I SCHOLARSHIP 500
LUKE BADERTSCHER


102 CURRIS CENTER
MURRAY,KY42071 		  I SCHOLARSHIP 4,431
KALEB BARNARD


102 CURRIS CENTER
MURRAY,KY42071 		  I SCHOLARSHIP 500
LEAH CLARK


102 CURRIS CENTER
MURRAY,KY42071 		  I SCHOLARSHIP 500
PRESTON CLARK


102 CURRIS CENTER
MURRAY,KY42071 		  I SCHOLARSHIP 500
CARSON DECKER


102 CURRIS CENTER
MURRAY,KY42071 		  I SCHOLARSHIP 500
AVERY EDGE


102 CURRIS CENTER
MURRAY,KY42071 		  I SCHOLARSHIP 500
MEREDITH FISCHER


102 CURRIS CENTER
MURRAY,KY42071 		  I SCHOLARSHIP 500
WILLIAM GUTSCHE


102 CURRIS CENTER
MURRAY,KY42071 		  I SCHOLARSHIP 500
PRESTON HARTZ


102 CURRIS CENTER
MURRAY,KY42071 		  I SCHOLARSHIP 500
CHARLES HOOKEY


102 CURRIS CENTER
MURRAY,KY42071 		  I SCHOLARSHIP 1,232
RUTH JONES


102 CURRIS CENTER
MURRAY,KY42071 		  I SCHOLARSHIP 500
MORGAN JORDAN


102 CURRIS CENTER
MURRAY,KY42071 		  I SCHOLARSHIP 500
CADENCE KEISTER


102 CURRIS CENTER
MURRAY,KY42071 		  I SCHOLARSHIP 500
KIRSTEN KNOTT


102 CURRIS CENTER
MURRAY,KY42071 		  I SCHOLARSHIP 500
LAUREN LEIGH


102 CURRIS CENTER
MURRAY,KY42071 		  I SCHOLARSHIP 500
CARTER LEOHR


102 CURRIS CENTER
MURRAY,KY42071 		  I SCHOLARSHIP 500
SARAH LINVILLE


102 CURRIS CENTER
MURRAY,KY42071 		  I SCHOLARSHIP 500
JULIA MARSHALL


102 CURRIS CENTER
MURRAY,KY42071 		  I SCHOLARSHIP 500
CHRISTIAN MILLER


102 CURRIS CENTER
MURRAY,KY42071 		  I SCHOLARSHIP 1,809
SAMUEL MILLER


102 CURRIS CENTER
MURRAY,KY42071 		  I SCHOLARSHIP 500
GAVIN PRICE


102 CURRIS CENTER
MURRAY,KY42071 		  I SCHOLARSHIP 11,607
ZOEE PURGEASON


102 CURRIS CENTER
MURRAY,KY42071 		  I SCHOLARSHIP 795
ALICIA RAMIREZ


102 CURRIS CENTER
MURRAY,KY42071 		  I SCHOLARSHIP 979
AARON RING


102 CURRIS CENTER
MURRAY,KY42071 		  I SCHOLARSHIP 500
TODD RITER


102 CURRIS CENTER
MURRAY,KY42071 		  I SCHOLARSHIP 500
EJ STAUFFER


102 CURRIS CENTER
MURRAY,KY42071 		  I SCHOLARSHIP 796
SIENACA VALDEZ


104 CURRIS CENTER
MURRAY,KY42073 		  I SCHOLARSHIP 500
EMMA WARD


105 CURRIS CENTER
MURRAY,KY42074 		  I SCHOLARSHIP 500
LINDSEY WARREN


106 CURRIS CENTER
MURRAY,KY42075 		  I SCHOLARSHIP 500
EVAN WILSON


108 CURRIS CENTER
MURRAY,KY42077 		  I SCHOLARSHIP 500
WILLIAM WILSON


109 CURRIS CENTER
MURRAY,KY42078 		  I SCHOLARSHIP 1,454
ERIN WOODS


110 CURRIS CENTER
MURRAY,KY42079 		  I SCHOLARSHIP 500
AARON WRIGHT


111 CURRIS CENTER
MURRAY,KY42080 		  I SCHOLARSHIP 500
MASON WHEELER


112 CURRIS CENTER
MURRAY,KY42081 		  I SCHOLARSHIP 250
HUNTER SZEMETHY


NUNN DR
HIGHLAND HEIGHTS,KY41099 		  I SCHOLARSHIP 500
ARTHUR ZAPATA GONZALEZ


NUNN DR
HIGHLAND HEIGHTS,KY41099 		  I SCHOLARSHIP 500
RAINIER RANDOLPH


138 N LUCRETIA ST
OAKLAND CITY,IN47660 		  I SCHOLARSHIP 3,060
ALI ABDULLAHI


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 250
HILLARY BAGGETT


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 500
ALEXIS BATES


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 500
CLAIRE BEAN


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 250
RYLEE BEASLEY


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 500
JORDAN BLAKE


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 250
DANIEL BOYLE


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 250
SAMANTHA CANARY


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 500
HAYDEN COONEY


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 500
ETHAN CROWE


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 500
JENNA DANT


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 500
JAYCEE DAY


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 250
MORGAN DURHAM


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 500
NEVAEH DURHAM


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 500
ELLA EBELHAR


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 250
JACKSON EVANS


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 500
MACKENZIE EWING


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 500
SOPHIA FLAKE


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 500
NYLA FORD


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 250
CADEN FOSTER


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 500
GRANT GIBBS


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 250
ALEXIS HAYDEN


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 500
LILLIAN HENDERSON


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 500
LILLI HODSKINS


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 500
MACKENZIE KASINGER


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 500
PAW KAW


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 500
AUSTIN KING


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 250
TAYLOR KING


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 500
BRAYDEN KIRBY


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 500
ALLISON KIRK


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 500
BILLIE KOGER


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 250
ZACHARY LEONARD


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 250
KALEB LEVEL


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 500
CLAYTON MANIRE


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 250
LYDIA MARTELL


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 500
VICTORIA MATTINGLY


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 500
BETHANY MCCARTHY


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 250
TAW MEH


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 250
EMMA MILLER


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 500
HANNAH NASH


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 500
CHRISTIAN OSBORNE


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 500
MADELINE PAYNE


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 500
LOUIESA PELIGRO


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 250
LILLI REVELETT


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 500
JASMINE RILEY


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 500
AUBREY RUMMAGE


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 500
ROBERT SCHELL


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 500
JOHN SHEWARD


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 250
ELLAINA SMILEY


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 500
RA SON


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 500
JOSHUA THOMAS


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 500
CARLY TINIUS


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 500
CHLOE TOLER


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 250
BAILEY TUCKER


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 500
JABES VELAZQUEZ LAPARRA


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 500
THA WAH


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 250
CARLY WEATHERHOLT


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 500
SYDNEY WEDDING


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 500
MARY-KATHERINE WESTERFIELD


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 250
NATALIE WINFIELD


4800 NEW HARTFORD RD
OWENSBORO,KY42303 		  I SCHOLARSHIP 500
GUNTHER HOWARD


1 LOMB MEMORIAL DR
ROCHESTER,NY14623 		  I SCHOLARSHIP 11,131
ALEXANDER CARPENTER


5500 WABASH AVE
TERRE HAUTE,IN47803 		  I SCHOLARSHIP 3,033
ELEANOR WATSON


800 LAKESHORE DR
BIRMINGHAM,AL35229 		  I SCHOLARSHIP 500
JAKSON LINDSEY


4209 S LINCOLN DR
CARBONDALE,IL62901 		  I SCHOLARSHIP 500
PRESTON BUMM


2500 N RIVER RD
MANCHESTER,NH31060 		  I SCHOLARSHIP 500
BAILEI WALKER


901 S 4TH ST
LOUISVILLE,KY40203 		  I SCHOLARSHIP 3,178
MILES BAUR


300 N BROADWAY
LEXINGTON,KY40508 		  I SCHOLARSHIP 500
NYLA FORD


300 N BROADWAY
LEXINGTON,KY40508 		  I SCHOLARSHIP 4,069
OLIVIA FORD


300 N BROADWAY
LEXINGTON,KY40508 		  I SCHOLARSHIP 1,353
SPENCER SAILORS


333 MURFRESSBORO RD
NASHVILLE,TN37210 		  I SCHOLARSHIP 500
ALIVIA CHANTALE NORRIS


739 UNIVERSITY BLVD
TUSCALOOSA,AL35487 		  I SCHOLARSHIP 9,293
ANDREW BRAUER


2600 CLIFTON AVE
CINCINNATI,OH45221 		  I SCHOLARSHIP 500
SOFIA SORLEY


2600 CLIFTON AVE
CINCINNATI,OH45221 		  I SCHOLARSHIP 3,133
SHELBY LEONARD


6178 COLLEGE ST DR
WILLIAMSBURG,KY40769 		  I SCHOLARSHIP 500
ABIGAIL MARTIN


1800 LINCOLN AVE
EVANSVILLE,IN47722 		  I SCHOLARSHIP 250
WILLIAM WEDDING


1801 LINCOLN AVE
EVANSVILLE,IN47723 		  I SCHOLARSHIP 6,761
JULIANNA ALLEN


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 250
ELIJAH BALDWIN


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
ZACHARY BALDWIN


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
MADISON BLADES


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 9,165
HANNAH BOLTON


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
CATHERINE BRAWNER


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
JESSICA BRIONES-CARONADO


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 3,382
JERMAINE CALHOUN


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 8,488
KELLY CARAWAY


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
MADELYN CASTLEN


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
MONICA CASTLEN


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 7,047
GRACE CLARK


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 5,985
ADDISON COMBS


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 2,109
JUSTIN COMBS


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 3,887
KAYDENCE COOMES


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 1,941
HAYDEN COONEY


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 250
COLE CRUMBAKER


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
LAYLA DAVIS


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
MASON ESTES


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
MAKAYLA EVANS


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 250
SAMUEL FLEMING


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
ELLAH FOSTER


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
JADE FULKERSON


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 4,731
PRANJEL GOLLEN


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
MIA GRIFFITH


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 6,305
DANIELA GUIDO


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 833
NYA HAMMONS


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
JACOB HAMPTON


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 2,906
JESSICA HARWOOD


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
ELIZABETH HAYDEN


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
LAUREN HAYES


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
CHLOE HEADY


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
TRINITY HOGG


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 11,141
RILEY HUDSON


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
ABIGAIL HUMPHREY


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
REAGAN HURTER


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
ARLO JOHNSON


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
KAYLA JONES


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
MOHANDASS KANNAN


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 746
MADALYN KIRK


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
KADEN KIZER


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 8,270
JOSHUA LARKIN


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
KAMDEN LEVEL


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
CARSON LEWIS


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
KA LOW


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 912
ABIGAIL MARTIN


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 250
AUBREY MARTIN


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
MALLORY MCCLURE


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
ADDISON MCDANIEL


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
HALEE MCDANIEL


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 2,165
HENRY MOORE


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
BRINLEY MORRIS


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 1,125
TOBY MORRIS


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
ANNABELLE MURPHY


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 2,693
IAN NELSON


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
STETSON OSBORNE


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 2,939
PREYAS PATEL


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
DUSTIN PAYNE


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
KAELAH PENROD


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
BAILEY PORTER-CLARK


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
AVA ROBERTS


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
ANNA ROBINSON


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
JACOB RUDY


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
JAMES SEARCY


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
ISABELLA SKIBBA


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
JACK SMITH


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
JASEY STEARSMAN


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 5,842
PHOENIX STEVENS


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
TYLER STROBEL


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 3,555
KARSEN TIPMORE


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
CADENCE TIPTON


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 1,515
ETHAN TODD


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 5,285
HANNAH WALLACE


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 2,023
GRAYCE WHITE


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 8,677
GABRIEL WHITMER


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
EMMA WILKINS


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 3,544
STELLA WILKINS


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 3,269
MARY WIMAN


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 1,381
MADISON HAYS


101 MAIN BUILDING
LEXINGTON,KY40506 		  I SCHOLARSHIP 500
MOLLIE BASHAM


2301 S 3RD ST
LOUISVILLE,KY40292 		  I SCHOLARSHIP 500
BENJAMIN BERTKE


2301 S 3RD ST
LOUISVILLE,KY40292 		  I SCHOLARSHIP 500
SOPHIA BOOKER


2301 S 3RD ST
LOUISVILLE,KY40292 		  I SCHOLARSHIP 500
DAMON CROCKETT


2301 S 3RD ST
LOUISVILLE,KY40292 		  I SCHOLARSHIP 500
KALEY DICKINSON


2301 S 3RD ST
LOUISVILLE,KY40292 		  I SCHOLARSHIP 500
KELSEY DICKINSON


2301 S 3RD ST
LOUISVILLE,KY40292 		  I SCHOLARSHIP 500
JORDAN FULLER


2301 S 3RD ST
LOUISVILLE,KY40292 		  I SCHOLARSHIP 500
AVA GENTILE


2301 S 3RD ST
LOUISVILLE,KY40292 		  I SCHOLARSHIP 500
BECKETT GILMORE


2301 S 3RD ST
LOUISVILLE,KY40292 		  I SCHOLARSHIP 500
ISAAC GOLDSBERRY


2301 S 3RD ST
LOUISVILLE,KY40292 		  I SCHOLARSHIP 2,237
BRIELLE GREEN


2301 S 3RD ST
LOUISVILLE,KY40292 		  I SCHOLARSHIP 500
ISAAC HAY


2301 S 3RD ST
LOUISVILLE,KY40292 		  I SCHOLARSHIP 500
KAYLA HERNANDEZ NAVA


2301 S 3RD ST
LOUISVILLE,KY40292 		  I SCHOLARSHIP 1,888
MOLLY LADNIER


2301 S 3RD ST
LOUISVILLE,KY40292 		  I SCHOLARSHIP 650
TAYLOR LANHAM


2301 S 3RD ST
LOUISVILLE,KY40292 		  I SCHOLARSHIP 500
MICHAEL LOVETT


2301 S 3RD ST
LOUISVILLE,KY40292 		  I SCHOLARSHIP 500
JENNA LUCKETT


2301 S 3RD ST
LOUISVILLE,KY40292 		  I SCHOLARSHIP 500
GAVIN MARVELLE


2301 S 3RD ST
LOUISVILLE,KY40292 		  I SCHOLARSHIP 815
BRANDON MOORE


2301 S 3RD ST
LOUISVILLE,KY40292 		  I SCHOLARSHIP 500
GILLAM NICODEMUS


2301 S 3RD ST
LOUISVILLE,KY40292 		  I SCHOLARSHIP 500
ISABELLE REISZ


2301 S 3RD ST
LOUISVILLE,KY40292 		  I SCHOLARSHIP 500
JAMASIA ROBINSON


2301 S 3RD ST
LOUISVILLE,KY40292 		  I SCHOLARSHIP 500
KYLIYAH SHEMWELL


2301 S 3RD ST
LOUISVILLE,KY40292 		  I SCHOLARSHIP 500
BRAYSON SMITH


2301 S 3RD ST
LOUISVILLE,KY40292 		  I SCHOLARSHIP 500
HEAVEN TAYLOR


2301 S 3RD ST
LOUISVILLE,KY40292 		  I SCHOLARSHIP 500
NATHANIEL TROGDEN


2301 S 3RD ST
LOUISVILLE,KY40292 		  I SCHOLARSHIP 500
KRISTINA TUNDAG


2301 S 3RD ST
LOUISVILLE,KY40292 		  I SCHOLARSHIP 500
KAYLEE WATSON


2301 S 3RD ST
LOUISVILLE,KY40292 		  I SCHOLARSHIP 500
NATHANIEL WATSON


2301 S 3RD ST
LOUISVILLE,KY40292 		  I SCHOLARSHIP 2,709
REESE WETHINGTON


2301 S 3RD ST
LOUISVILLE,KY40292 		  I SCHOLARSHIP 500
ELIJAH MASTERSON


2301 S 3RD ST
LOUISVILLE,KY40292 		  I SCHOLARSHIP 5,571
SPENCER HARRIS


TOWER AVE
MEMPHIS,TN38104 		  I SCHOLARSHIP 500
EMILY BAUGHN


NOTRE DAME
NOTRE DAME,IN46556 		  I SCHOLARSHIP 500
ELLA ALVEY


266 RICHMOND WAY
UNIVERSITY OF RICHMOND,VA23173 		  I SCHOLARSHIP 3,066
MAKAYLA BROWN


8600 UNIVERSITY BLVD
EVANSVILLE,IN47712 		  I SCHOLARSHIP 2,488
LANEY COLBURN


8600 UNIVERSITY BLVD
EVANSVILLE,IN47712 		  I SCHOLARSHIP 500
JAYCEE DAY


8600 UNIVERSITY BLVD
EVANSVILLE,IN47712 		  I SCHOLARSHIP 3,156
KARLY DUCKWALL


8600 UNIVERSITY BLVD
EVANSVILLE,IN47712 		  I SCHOLARSHIP 2,254
HILLARY HICKS


8600 UNIVERSITY BLVD
EVANSVILLE,IN47712 		  I SCHOLARSHIP 7,052
REBECCA KLEE


8600 UNIVERSITY BLVD
EVANSVILLE,IN47712 		  I SCHOLARSHIP 250
BILLIE KOGER


8600 UNIVERSITY BLVD
EVANSVILLE,IN47712 		  I SCHOLARSHIP 250
JENNA QUINN


8600 UNIVERSITY BLVD
EVANSVILLE,IN47712 		  I SCHOLARSHIP 4,152
KIRSTEN WILLIAMS


8600 UNIVERSITY BLVD
EVANSVILLE,IN47712 		  I SCHOLARSHIP 7,676
KASEY BOONE


KNOXVILLE TN 37996
KNOXVILLE,TN37996 		  I SCHOLARSHIP 9,803
CARLY ABNEY


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 6,743
HARLI ADKISSON


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 500
NATALIE BARBER


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 500
DANIEL BARROW


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 500
LAILA BELL


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 500
EMILY BERTKE


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 500
MARIA BLADES


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 500
KAITLYN BLAKLEY


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 500
OLIVIA BLONDIN


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 500
ELLIS BOARMAN


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 500
HALEIGH BOEHMAN


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 500
OLIVIA BOOHER


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 703
CLAYTON BRAWNER


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 500
BROCK BURGER


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 5,937
ALYSSA BURROUGH


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 500
JENNA CAPPS


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 500
CAMRYN CASE


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 2,031
CHLOE CASE


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 500
LILY CECIL


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 500
BAYLYN CHANDLER


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 8,421
ANTHONY CLINE


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 13,357
JACOB COLEMAN


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 2,495
NOAH COLEMAN


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 500
JORDYN CONLEY


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 250
KYNDAL DAUGHERTY


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 3,361
AMANDA ECTON


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 500
MELODEY ESTES


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 2,299
CHLOE FORKER


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 3,817
GIANA FUSCO


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 500
JOSEPH GODDARD


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 500
EMMA HARDESTY


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 500
HADLEY HARDIN


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 6,747
ELLA HAYDEN


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 500
AUGUSTINE HERBERT


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 500
SAVANNAH HINES


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 500
JOSEPH HOPGOOD


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 500
LAH HTOO


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 1,916
MAYA JACOB


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 3,337
CAROLINE KINGSLEY


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 7,574
ADDISON KOPCZYNSKI


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 3,904
MORGAN LARKINS


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 500
AVA LYNN


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 500
CLAYTON MANIRE


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 614
CHASE MATHER


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 500
KAMRYN MCMAHON


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 500
MATTHEW MILLER


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 500
NOLAN MURPHY


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 500
BELLA NAFRADY


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 500
ANNA PATTERSON


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 500
GAGE PHELPS


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 500
NANG PIANG


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 3,169
MARYONNAH RHODES


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 3,653
EMAUN RILEY


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 2,258
JENNA RITTMEYER


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 500
DECLAN SCOTT


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 500
COLBEN SETTLE


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 3,794
HANNAH SNELL


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 2,101
ALEXANDRIA SWIFT


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 500
JABES VELAZQUEZ LAPARRA


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 250
LONDON WILHITE


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 2,876
MACEY WOODRUFF


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 1,870
GRANT MILLS


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 500
NATALIE PATTERSON


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 500
AFINA WINTERS


1906 COLLEGE HEIGHTS BLVD
BOWLING GREEN,KY42101 		  I SCHOLARSHIP 500
Total .................................right arrow 3a 655,340
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 ........... 		    14 73,132  
4 Dividends and interest from securities ....     14 412,617  
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 1,206  
9 Net income or (loss) from special events:          
10 Gross profit or (loss) from sales of inventory          
11 Other revenue:
aCLASS ACTION LAWSUIT PROCEEDS 		    14 133  
bOTHER     14 3,488  
c
d
e
12 Subtotal. Add columns (b), (d), and (e) .. 0 490,576 0
13Total. Add line 12, columns (b), (d), and (e)..................
13
490,576
(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.
right arrow right arrow
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
JOHN B & BROWNIE YOUNG MEMORIAL FUND
 
Employer identification number

61-6025137
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
JOHN B & BROWNIE YOUNG MEMORIAL FUND
  		Employer identification number
61-6025137
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
GATES YOUNG TRUST
 
PO BOX 94715
 
CLEVELAND, OH44101

$ 52,176


(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
JOHN B & BROWNIE YOUNG MEMORIAL FUND
  		Employer identification number

61-6025137
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
JOHN B & BROWNIE YOUNG MEMORIAL FUND
  		Employer identification number

61-6025137
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:
JOHN B & BROWNIE YOUNG MEMORIAL FUND
EIN:
61-6025137
Category Amount Net Investment Income Adjusted Net Income Disbursements for Charitable Purposes
RINEY HANCOCK CPAS, PREPARATION OF FORM 990-PF 5,514 2,757   2,757

TY 2024 DistributionFromCorpusElection
Name:
JOHN B & BROWNIE YOUNG MEMORIAL FUND
EIN:
61-6025137
Election:
THE JOHN B & BROWNIE YOUNG MEMORIAL FUND HEREBY ELECTS UNDER TREAS. REG. 53.4942(A)-3(D)(2) TO TREAT $52,176 OF ITS QUALIFYING DISTRIBUTIONS MADE DURING THE TAX YEAR 2024 AS MADE OUT OF CORPUS, IN ORDER TO SATISFY THE REQUIREMENTS OF IRC 4942(G)(3). THIS AMOUNT CORRESPONDS TO THE CONTRIBUTIONS RECEIVED DURING 2023 AND 2024 FROM THE GATES F. YOUNG TRUST U/W-U #2175080, WHICH WAS FULLY REDISTRIBUTED TO PUBLIC CHARITIES BY DECEMBER 31, 2024. BY THIS ELECTION, THE FUND FORGOES TREATING THIS $150,436 AS PART OF ITS OWN UNDISTRIBUTED INCOME PAYOUT, SO THAT THE DONOR FOUNDATION MAY TREAT IT AS A QUALIFYING DISTRIBUTION.

TY 2024 InvestmentsCorpBondsSchedule
Name:
JOHN B & BROWNIE YOUNG MEMORIAL FUND
EIN:
61-6025137
Name of Bond End of Year Book Value End of Year Fair Market Value
ABBVIE INC 4.25% DUE 11/14/2028 56,915 55,020
AMERICAN ELECTRIC POWER 3.20% DUE 11/13/2027 59,085 56,549
AT&T INC 2.30% DUE 06/01/2027 58,683 52,841
BAT CAPITAL CORP 3.557% 08/15/2027 53,028 49,355
CAPITAL ONE FIN CORP 3.20% 02/05/2025 56,295 54,804
CHARLES SCHWAB CORP 3.625% DUE 04/01/2025 60,014 54,859
CITIGROUP INC 4.70% DUE 05/31/2029 50,003 48,706
CITIGROUP INC 5.00% DUE 06/30/2027 75,001 74,028
CONSTELLATION BRAND INC 4.65% DUE 11/15/2028 57,237 54,349
CREDIT SUISSE AG NY 5.0% DUE 07/09/2027 47,905 50,253
CROWN CASTLE CORP 3.30% DUE 07/01/2030 59,109 48,152
CVS HEALTH CORP 2.875% DUE 06/01/2026 57,259 54,404
DUKE ENERGY CAROLINAS 6.45% DUE 10/15/2032 54,346 53,747
FEDERAL FARM CREDIT BANK 4.45% DUE 6/08/2032 100,001 97,368
FEDERAL REALTY INVESTMENT 3.50% DUE 6/1/2030 58,815 50,385
FIDELITY NATIONAL FIN 2.45% DUE 03/15/2031 58,841 49,796
FISERV INC 3.20% DUE 07/01/2026 60,071 58,685
GOLDMAN SACHS 2.60% DUE 02/07/2030 59,207 49,620
GOLDMAN SACHS 7.0% DUE 10/29/2032 15,081 14,871
GOLDMAN SACHS GROUP 5.0% DUE 05/12/2034 50,003 48,748
HOLLYFRONTIER CORP 4.50% DUE 10/01/2030 12,901 11,316
HOLLYFRONTIER CORP 5.875% DUE 04/01/2026 14,608 14,080
HSBC BANK USA NA 5.625% DUE 08/15/2035 59,156 59,488
HUNTINGTON BANCSHARES 4.00% DUE 05/15/2025 64,796 64,763
INTEL CORP 3.90% DUE 03/25/2030 19,607 18,727
KEYCORP KEY 2.550% DUE 10/01/2029 58,355 53,416
KINDER MORGAN INC 4.30% 03/01/2028 58,146 51,046
LOWES COS INC 2.5% DUE 04/15/2026 58,868 53,623
MERCK & CO INC 1.450% DUE 06/24/2030 59,485 50,281
MORGAN STANLEY 4.00% DUE 07/23/2025 57,425 54,814
NETFLIX INC 5.375% DUE 11/15/2029 50,983 50,987
NUCOR CORP 3.95% DUE 05/01/2028 34,948 34,025
NVIDIA CORP 2.850% DUE 04/01/2030 58,392 51,287
OCCIDENTAL PETROL CORP 7.20% DUE 04/01/2028 26,263 26,134
OWENS CORNING 3.95% DUE 08/15/2029 19,388 19,061
OWL ROCK CORP 2.875% DUE 06/11/2028 59,939 54,551
PIONEER NATURAL CO 1.125% 01/15/2026 60,101 57,911
PNC BANK NA 4.050% DUE 07/26/2028 70,184 72,610
PUBLIC STORAGE 1.950% DUE 11/09/2028 55,974 50,322
RAYTHEON TECH CORP 4.125% DUE 11/16/2028 64,633 58,333
RAYTHEON TECH CORP 5.4% DUE 05/01/2035 50,508 50,085
REGIONS FINANCIAL CORP BD 2.25% DUE 5/18/25 59,817 59,376
ROYAL BANK CANADA 2.30% DUE 11/03/2031 57,933 48,654
SHELL INTERNATIONAL FIN 2.375% DUE 11/07/2029 59,576 53,959
SHERWIN-WILLIAMS CO 3.450% DUE 06/01/2027 74,728 72,923
VENTAS REALTY LP 4.40% DUE 01/15/2029 57,135 53,547
VERIZON INC. 1.450% DUE 03/20/2026 40,998 39,468
WALT DISNEY CO 3.800% DUE 03/22/2030 46,973 47,895
WELLS FARGO CO 3.00% DUE 10/23/2026 58,625 57,206
WHIRLPOOL CORP 4.750% DUE 02/26/2029 25,422 24,646

TY 2024 InvestmentsCorpStockSchedule
Name:
JOHN B & BROWNIE YOUNG MEMORIAL FUND
EIN:
61-6025137
Name of Stock End of Year Book Value End of Year Fair Market Value
ABBVIE INC COM 57,346 151,223
AIR PRODUCTS AND CHEMICALS 121,174 120,657
ALPHABET INC CLASS A 86,682 280,164
AMAZON COM INC 50,000 285,207
APPLE INCORPORATED 14,023 290,487
AUTODESK INC 54,359 145,420
AUTOMATIC DATA PROCESSING 89,493 122,947
BCE INC COMMON NEW 84,205 42,999
BLACKROCK INC 121,217 139,415
BROADCOM INC 123,631 588,874
CANADIAN IMPERIAL BANK COMMON 108,711 148,970
CHEVRON CORPORATION 111,016 137,308
COCA COLA CO 73,610 101,359
CROWN CASTLE INTL CORP COMMON 77,644 52,187
DEERE & COMPANY 43,029 132,618
DUKE ENERGY CORP NEW 74,605 98,474
EXPEDITORS INTL WASH INC 49,743 76,321
HOME DEPOT INC 123,968 144,704
J P MORGAN CHASE & CO 162,554 249,298
LILLY ELI & CO 86,393 253,988
MEDTRONIC PLC 91,212 56,954
MERCK & CO INC NEW COM 122,180 161,854
META PLATFORM, INC. 70,751 347,793
MICROSOFT CORP 24,978 222,552
MONDELEZ INTERNATIONAL INC 115,289 110,978
MONSTER BEVERAGE CORP 53,482 111,637
NEXTERA ENERGY INC 127,934 113,485
NVIDIA CORP COMMON 77,994 1,348,272
ORACLE CORP 76,310 282,955
PAYCHEX INC 91,409 111,615
PEPSICO INC 115,953 114,197
PFIZER INC 85,932 64,680
PHILIP MORRIS INT INC 124,539 156,816
PROCTER & GAMBLE CO 65,790 113,331
QUALCOMM INCORPORATED 35,354 81,111
REGENERON PHARMACEUTICALS INC 91,318 115,397
SALESFORCE COMMON INC 83,786 160,144
STARBUCKS CORPORATION 48,758 59,039
TEXAS INSTRUMENTS INC 166,713 162,009
UNITED PARCEL SERVICE 79,288 88,648
VERIZON COMMUNICATIONS INC USD 1 79,831 66,303
VISA INC 58,243 235,450

TY 2024 InvestmentsGovtObligationsSch
Name:
JOHN B & BROWNIE YOUNG MEMORIAL FUND
EIN:
61-6025137
US Government Securities - End of Year Book Value:

541,975
US Government Securities - End of Year Fair Market Value:

498,747
State & Local Government Securities - End of Year Book Value:


533,832
State & Local Government Securities - End of Year Fair Market Value:


509,808


TY 2024 InvestmentsOtherSchedule2
Name:
JOHN B & BROWNIE YOUNG MEMORIAL FUND
EIN:
61-6025137
Category/ Item Listed at Cost or FMV Book Value End of Year Fair Market Value
GQG PARTNERS EMERGING MARKETS EQUITY FUND AT COST 775,000 795,686
ISHARES CORE DIVIDEND GROWTH ETF AT COST 26,300 30,977
ISHARES DOW JONES SELECT DIVINDEX FUND AT COST 313,918 424,592
ISHARES MSCI EAFE GROWTH INDEX FUND AT COST 288,179 403,297
ISHARES MSCI EAFE VALUE INDEX FUND AT COST 149,570 168,953
ISHARES RUSSELL 2000 GROWTH ETF AT COST 85,052 129,807
ISHARES RUSSELL 2000 VAL IND AT COST 77,440 139,216
ISHARES RUSSELL MIDCAP INDEX AT COST 63,071 136,490
ISHARES TR MSCI EAFE INDEX AT COST 355,748 421,072
ISHARES TR MSCI EAFE SMALL CAP ETF AT COST 160,889 198,896
ISHARES TR RUSSELL 1000 GROWTH AT COST 346,491 879,460
ISHARES TR RUSSELL 1000 VAL AT COST 136,046 286,396
ISHARES TR S&P MID CAP 400 VALUE ETF AT COST 402,866 670,036
ISHARES TR S&P MIDCAP 400 GROWTH ETF AT COST 166,855 276,063
S&P 500 TR UTS UNIT 1 SER AT COST 431,866 761,904
SPDR PORTFOLIO SMALL CAP ETF AT COST 91,849 167,686
SPDR PORTFOLIO WORLD EX-US ETF AT COST 161,441 199,149
VANGUARD REAL ESTATE ETF AT COST 244,101 206,755
VANGUARD TOTAL STOCK MARKET ETF AT COST 248,687 315,023
INVESCO BULLETSHARES 2025 CORP BD ETF AT COST 25,004 25,276
INVESCO BULLETSHARES 2026 CORP BD ETF AT COST 25,017 25,395
INVESCO BULLETSHARES 2027 CORP BD ETF AT COST 50,019 50,960
INVESCO BULLETSHARES 2028 CORP BD ETF AT COST 50,006 50,768
INVESCO BULLETSHARES 2029 CORP BD ETF AT COST 64,998 66,171
INVESCO BULLETSHARES 2030 CORP BD ETF AT COST 64,981 66,151
INVESCO BULLETSHARES 2031 CORP BD ETF AT COST 69,875 70,957
INVESCO BULLETSHARES 2032 CORP BD ETF AT COST 74,865 75,855
INVESCO BULLETSHARES 2033 CORP BD ETF AT COST 75,052 75,572

TY 2024 OtherExpensesSchedule
Name:
JOHN B & BROWNIE YOUNG MEMORIAL FUND
EIN:
61-6025137
Description Revenue and Expenses per Books Net Investment Income Adjusted Net Income Disbursements for Charitable Purposes
WEBSITE MAINTENANCE 1,900 0   1,900
INTEREST EXPENSE 58 0   0
PENALTIES 357 0   0


TY 2024 OtherIncomeSchedule2
Name:
JOHN B & BROWNIE YOUNG MEMORIAL FUND
EIN:
61-6025137
Description Revenue And Expenses Per Books Net Investment Income Adjusted Net Income
CLASS ACTION LAWSUIT PROCEEDS 133   133
OTHER 3,488   3,488


TY 2024 OtherIncreasesSchedule
Name:
JOHN B & BROWNIE YOUNG MEMORIAL FUND
EIN:
61-6025137
Description Amount
RECLAIMED FUNDS 33,734


TY 2024 TaxesSchedule
Name:
JOHN B & BROWNIE YOUNG MEMORIAL FUND
EIN:
61-6025137
Category Amount Net Investment Income Adjusted Net Income Disbursements for Charitable Purposes
FOREIGN TAX 8,171 8,171   0
2024 FEDERAL EXCISE TAX ESTIMATED TAX PAYMENTS 5,760 0   0
2023 FEDERAL EXCISE TAX 5,750 0   0