2012 Annual Report

In 2012,we committed to feeding and educating thousands of poor Haitian children

at the Divine Shelter Schools. Our efforts to bring Christ’s love to these

children, and also to many other needy children and families around the world,

succeeded, carried forward by…

...your hands, your feet,

HIS CALL

obeying the call

Before Christ ascended into heaven, he gave one fi nal

command to his disciples: “Go into all the world.”

Then, we are told in Mark 16, “The disciples went out…”

The book of Acts reveals what happened next. This group

of fl awed human beings received the Holy Spirit and came

together as one unifi ed body of Christ. Transformed by the

Lord’s call to action, the apostles used their hands, feet

and mouths to transform the world. They preached the

Gospel, healed the sick, reached out to the poor, welcomed

the outcast and defended the widow and the orphan.

Christ called. The apostles responded. Lives changed.

Two thousand years later, the pattern remains the same. Christ’s call is as relevant in our time as it

was in the time of the apostles, and his call is behind every service we provide at Cross International.

In 2012, I was privileged to continue working with committed Christian leaders around the world in

answering the call to evangelize and serve the poor. I’ve been blessed by their faithfulness — and by the

compassion of supporters like you who have given so generously to this crucial work of the global church.

This report on our 2012 programs and fi nancial activities is a testament to God’s goodness and to your

faith in action. These successes are the result of believers coming together to be Christ’s hands and feet

to the world. Through your gifts to Cross, lives have been touched and God has been glorifi ed.

Thank you and God bless you for helping to give us another successful year of service to the poor!

In Christ,

James J. Cavnar

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A Message from our president

He said to them, “Go into all the world and preach the gospel to all creation.”

Mark 16:151

Education . . . . . . . . . . . . page 8

Christian schools equip desperately

needy children with the skills to

break the cycle of poverty and

achieve a bright future.

Housing . . . . . . . . . . . . . page 9

A simple, solid new home brings

safety, stability and dignity to families

accustomed to sleeping on dirt fl oors

in rickety shanties.

Microenterprise . . . . . . .page 10

By promoting the value of work and

facilitating success, we’re moving the

poor from dependency to freedom.

Disaster Relief . . . . . . . .page 11

When natural disasters deepen the

misery of the poor, our ministry

partners rely on our readiness to

provide emergency aid.

Financials . . . . . . . . . . . . . 12-13

United in Service . . . . . . . . . 14

A Message from Our Board .16

Cross International 2013Board of Directors . . . . . . . 16

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Called to be Christ’s hands and feet

A Message from Our President . . . . . . . 1

Cross Internationalat a Glance . . . . . . . . . . . . . . . . 3

How We ServeFeeding . . . . . . . . . . . . . . . page 4

Malnourished families, reduced to

skin and bones, rely on our food

programs to end their hunger pangs

and develop healthy bodies and minds.

Water . . . . . . . . . . . . . . . page 5

The provision of clean water quenches

severe thirst, reduces child mortality

and improves a community’s overall

health.

Orphans . . . . . . . . . . . . . page 6

Our ministry partners are bringing the

Heavenly Father’s love to orphaned,

abandoned and vulnerable children.

Medicine . . . . . . . . . . . . . page 7

Shipments of basic medications are

saving lives in countries where the

poor suffer injury and illness without

access to the most basic health care.

Inside:

...that at the name of Jesus every knee should bow,

in heaven and on earth and under the earth... Philippians 2:9-102

Afghanistan . . . . . . . . . . . .$3,750

Bolivia . . . . . . . . . . . . . . .$12,301

China . . . . . . . . . . . . . . . . . . $200

Dominican Republic . . . $2,439,561

Ecuador . . . . . . . . . . . . . .$39,922

El Salvador . . . . . . . . . . .$590,176

Ethiopia . . . . . . . . . . . . . . . . $168

Grenada . . . . . . . . . . . . . . . . $559

Guatemala . . . . . . . . . $2,863,916

Guyana . . . . . . . . . . . . . .$30,055

Haiti. . . . . . . . . . . . . . $4,149,496

Honduras . . . . . . . . . $29,218,628

Jamaica . . . . . . . . . . . . . . . . $150

Japan. . . . . . . . . . . . . . . . .$6,000Kenya . . . . . . . . . . . . . .$333,346Malawi . . . . . . . . . . . . . . .$23,950Mexico . . . . . . . . . . . . . . .$10,000Mozambique . . . . . . . . . .$102,474Nicaragua . . . . . . . . . $32,130,093Peru. . . . . . . . . . . . . . . . .$22,552Philippines . . . . . . . . . . . .$71,537Rwanda . . . . . . . . . . . . .$619,682United States . . . . . . . . .$313,524Vietnam . . . . . . . . . . . . . .$64,531Zambia . . . . . . . . . . . . . . .$83,562

TOTAL . . . . . . . . $73,130,133

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Cross Internationalat a Glance

25the number of countries

that received our aid

77the number of projects we supportedwith the help of generous Christians

3.9%the percentage of expenses used

for overhead costs

$2,000,808the total value of grants-in-aid

given to the poor

$71,129,325the total value of goods shipped

to the poor

$73,130,133total aid provided to the poor

Total Aid Provided in 2012 by CountryCross International

is a Florida-based Christian

relief and development ministry

serving the needs of the poor

worldwide.

3

A generous man will himself be blessed, for he shares his food with the poor.

Proverbs 22:9

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From the holes and hovels of the poor,

eyes dull with chronic hunger light up at the local

pastor’s approach. “Maybe now,” their eyes seem to say, “we will have something to eat. The gnawing pain in my belly

will stop. My aching body will grow strong. My weariness will end. My family will not starve.” With bread in hand and

the word of life on his lips, the pastor enters their world — and hope is restored. Through the faithful support from

Cross International’s benefactors, church leaders have been empowered to share Christ’s love with the hungry. They

have freed thousands of parents from the burden of a pressing hunger crisis — a crisis that claims the lives of almost

16,000 children each day — so they can focus on sending their children to school and repairing their broken lives.

In 2012, Cross International shipped food aid to 24 ministries worldwide, in addition to providing grants for partners

to purchase food locally. This food supported the lunch programs of Christian schools such as the MEBSH Literacy Centers in Haiti, where destitute children living as domestic servants — or at risk of becoming domestic servants — are

receiving the love, hope and dignity they desperately need. We also gave toward a ministry in the Philippines that distributes

1,000 meals per day to the homeless as part of an effort to evangelize and reintegrate poor families into society.

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Called to satisfy their hunger

FEEDING

4

“And if anyone gives even a cup of cold water to

one of these little ones,” Jesus said in Matthew 10:42, “he will

certainly not lose his reward.” If God praises those who quench the momentary thirst of his children, how much must he

honor the faithfulness of Christians who have made great sacrifi ces to rescue poor communities from life-threatening,

chronic thirst! What a difference the installation of wells, fi lters and village-wide distribution systems has meant for

some of the 780 million people worldwide who lack access to clean water: the families who once suffered from severe

dehydration, the farmers who once struggled to keep their crops and livestock alive, and the children who once spent

hours each day fetching parasite-infested water from distant holes, streams and rivers.

In 2012, Cross International sponsored water projects in six countries, including Nicaragua, where our partner Amigos for Christ celebrated the completion of an ambitious effort, begun the previous year, to install clean water systems in 14

impoverished communities. The poor Nicaraguan families rejoiced as cold, clean water gushed through the pipes for the

fi rst time, delivering an ample supply directly to their homes for drinking, gardening and sanitation. Through this project,

thirst has been quenched, relationships have been forged, hope has been rewarded and the Water of Life has been glorifi ed.

Called to quench their thirst

WATER

“And if anyone gives even a cup of cold water to one of these little ones…

he will certainly not lose his reward.” Matthew 10:425

Defend the cause of the weak and fatherless; maintain the rights

of the poor and oppressed. Psalm 82:3

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On a street corner, a child dressed in

rags and covered in dust begs for bread. She is an

orphan — worse, an AIDS orphan, infected with HIV and stigmatized by her neighbors. Her younger siblings rely on her

alone to feed, clothe and protect them — but who can she rely on? Like many of the world’s 16 million HIV/AIDS orphans

(most of whom live in sub-Saharan Africa), she has only known the scowls of strangers who blame her for her illness and

fear to come too close. But then the church discovers her need, embraces her and shows her the mercy of the “Father

to the fatherless.” Once lost, she is found. Once fearful, she knows joy. Once alone, she now has a family in Christ!

In 2012, Cross International helped bring hope to orphans and vulnerable children through the compassionate work of

ministries like Reencontro, a multifaceted outreach to thousands of vulnerable children — mostly AIDS orphans — in

the poor African country of Mozambique; and Casa Bernabe, a Christian home meeting the nutritional, medical,

educational, emotional and spiritual needs of 150 Guatemalan children, including orphans and those who have been

abandoned or abused by their families.

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Called to love the orphan

ORPHAN CARE

6

“Heal the sick who are there and tell them, ‘The kingdom of God is near you.’”

Luke 10:9

d is God i ar you.’” f G a . s neaf God is near you.’f ’”f ned is oouyoouyoyyy uu.u.yis nf G a

In parts of the world where modern

conveniences such as cars, running water and electricity

are a luxury, many families struggle to get access, not just to the latest medical advances, but to basic health services.

The poorest, who are earning less than $1.25 a day, cannot even afford transportation to the nearest clinic or hospital,

let alone the expense of annual exams, antibiotics and maternity care. If they become chronically ill or seriously injured,

their only option is to wait it out and pray — pray that God will send an angel of mercy to restore them to life. God

has heard their desperate prayers, and he is working through the church and local Christian leaders to bring life-saving

medical services and resources to those who need them most.

In 2012, Cross International helped equip angels of mercy in the form of Christian doctors, nurses and caregivers dedicated

to serving the “least among us.” With support from our generous benefactors, we provided surgeries for women and children

at a Christian hospital in Afghanistan, home-based care for HIV/AIDS victims in Zambia, medicine for the poor in Vietnam

and basic medical care for poor children in Honduras, and we shipped medical supplies to ministries in seven countries.

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Called to heal the sick

MEDICAL CARE

7

Called to give them a future

EDUCATION

Just as poverty is passed down from one

generation to the next, so is the knowledge of how

to break that poverty. Education shapes a child’s hopes, dreams, career path and spiritual walk. In Deuteronomy 6:6-7,

God commands the Israelites to teach their children: “These commandments that I give you today are to be on your

hearts. Impress them on your children. Talk about them when you sit at home and when you walk along the road,

when you lie down and when you get up.” Today, the global church is fulfi lling that call by welcoming the children of

the poor into quality Christian schools.

Cross International paved a path to a brighter future for thousands of children worldwide in 2012 by opening the

doors of education to those who might otherwise not go to school at all. In Haiti, where nearly half the population is

illiterate, we supported three separate education projects, which together served more than 7,000 students in dozens

of schools. One Haitian partner, the Divine Shelter Schools, received support for student lunches, education costs

and the construction of new, improved school facilities. Through this partnership, local Christian communities blessed

desperately poor children with an academic foundation and the good news of Jesus Christ.

Start children off on the way they should go, and even when they are old

they will not turn from it. Proverbs 22:68

Called to shelter the destitute

“Is not this the kind of fasting I have

chosen,” God said in Isaiah 58:6-7, “…to provide

the poor wanderer with shelter...” Globally, about 1.7 billion people are homeless or live in substandard housing.

By building houses for the needy, Cross International is giving them a tangible, lasting testament to the love of Christ

and the compassion of his church. The simple, sturdy homes we provide are received with deep gratitude by families

accustomed to sleeping on dirt fl oors in makeshift shanties patched together from whatever scraps they can fi nd. The

new homes protect them from the rain and elements, give them a sense of security and have a stabilizing effect that

increases the likelihood the parents will fi nd steady work and the children will attend school.

Our housing projects in 2012 involved eight ministry partners in Haiti, Latin America, Africa and East Asia. Among

these projects was an effort begun the previous year to build a new 25-home community in San Pedro, Nicaragua. At

an average cost of $3,800 per house, Cross partner Rainbow Network blessed poor families with leak-free roofs,

cement-block walls and sturdy foundations, built on 1/5-acre plots of land they can use to grow fruit trees and small

vegetable gardens.

HOUSING

“Is not this the kind of fasting I have chosen…

to provide the poor wanderer with shelter...” Isaiah 58:6-79

Called to empower the powerless

MICROENTERPRISE

In 1 Thessalonians 4:11-12, the Apostle Paul

exhorted believers to “work with your hands”so they

would “not be dependent on anybody.” Our microenterprise projects give the poor a chance, not only to have their

immediate needs met, but to achieve fi nancial independence. In a world where 1.2 billion people survive on less than

$1.25 a day, families living amid joblessness, material scarcity and societal instability often feel they have no option but

to beg for their daily bread. Our goal is to bring dignity to these families by promoting the value of work and helping to

jumpstart small income-generating activities that will benefi t them for years to come.

In 2012, Cross International partnered with the Center for Community Transformation (CCT) in the

Philippines to help low-income families experience economic freedom. We provided poor but ambitious individuals

with the microloans, business skills and encouragement they needed to start and maintain their own small businesses,

such as a convenience store or piggery. Accountability groups helped participants to be good stewards of their loans,

while also encouraging them to put their ultimate hope in God. The combination of fi nancial support, spiritual

engagement and stringent accountability has made CCT’s program a model for success.

Whatever you do, work at it with all your heart, as working for the Lord,

not for human masters. Colossians 3:2310

Called to hear their cries

DISASTER RELIEF

Natural disasters strike swiftly and are

often unpredictable. The immediate aftermath of a

hurricane or earthquake can be crippling — especially in impoverished countries. As the victims struggle to recover

from the devastation of homes lost, businesses destroyed, harvests squandered and populations displaced, the world

turns to the church for help. In those times of need, we stand ready to equip our ministry partners with emergency aid.

Our professional shipping team rushes much-needed supplies to our partners, so they can quickly deliver those supplies

into the hands of the suffering. Lives are saved. Communities restored. The name of God is glorifi ed.

Early in 2012, Cross International sent emergency food aid to Shekinah Glory Mission in Kenya to help families

recovering from the East Africa drought, which had threatened livestock, crops and water supplies and created a refugee

crisis. Last year, we also provided blankets, food, medical supplies, and other aid to MorningStar Ministries and

other Christian groups helping U.S. victims of Hurricane Sandy.

If a man shuts his ears to the cry of the poor,

he too will cry out and not be answered. Proverbs 21:1311

Committed to good stewardship

The Lord answered, “Who then is the faithful and wise manager, whom the

at the proper time? It will be good for that servant whom

Balance Sheetas of December 31, 2012 — Cross International, Inc.

Assets Cash and Cash Equivalents $1,470,036

Inventories $2,206,897

Other Assets $271,112

Investments Restricted to Endowment $233,000

Property and Equipment, Net $119,494

Total Assets $4,300,539

Liabilities Accounts Payable and Accrued Expenses $61,764

Due to Affi liate $3,422,598

Total Liabilities $3,484,362

Net Assets Unrestricted $410,872

Temporarily Restricted $172,305

Permanently Restricted $233,000

Total Net Assets $816,177

Total Liabilities and Net Assets $4,300,539

Aid Provided by Category2012 total grants-in-aid and goods distributed —Cross International, Inc.

In 2012 Cross International provided $73,130,133 in aid to the poor.

Of this, $2,000,808 was grants-in-aid; $71,129,325 was goods distributed.

Disaster Relief: $702,674• Food, medical supplies, blankets, etc.

Feeding Programs: $1,724,507• Food, cooking equipment, cooks’ salaries

Housing: $285,200• Building/repair of houses and shelters

Medical Care: $64,252,674• Medicines, medical equipment and supplies, clinic and hospital support

Microenterprise: $15,000• Carpentry, mechanics, sewing, agriculture, animal husbandry and other self-help projects

Education: $726,737• Support for schools, scholarships, and vocational programs

Aid to Orphans: $5,270,538• Food, education, shelter, clothing, medical needs, etc.

Water Projects: $88,466• Wells, cisterns, water distribution systems, latrines

General Aid: $64,337• School furniture, mattresses, appliances, construction material, furnishings, etc.

12

master puts in charge of his servants to give them their food allowance

the master fi nds doing so when he returns.” Luke 12:42-43

Revenue Noncash Contributions $72,190,603

Cash Contributions $5,747,965

Grant Revenue $600,000

Other Revenue $70,504

Total Revenue $78,609,072

Expenses• Program Services Goods Distributed $71,129,325

Grants-in-aid $2,000,808

Missions Education $851,029

Shipping/Fulfi llment $649,149

Project Development $250,199

Total Program Service Expenses $74,880,510

Expenses continued

• Administrative Expenses Salaries and Benefi ts $553,631

Data Processing $172,287

Professional Services $84,195

Occupancy $83,431

Merchant and Bank Fees $80,675

Other Expenses $79,325

Contractors and Consultants $60,031

Postage $42,341

Travel $10,641

Advertising and Solicitation $1,100

Printing $976

Total Administrative Expenses $1,168,633

• Fundraising Expenses Broadcast Airtime $676,826

Salaries and Benefi ts $483,856

Printing $259,558

Postage $148,300

Travel $118,560

Advertising and Solicitation $96,656

Other Expenses $77,390

Contractors and Consultants $28,604

Data Processing $13,746

Total Fundraising Expenses $1,903,496

Total Expenses $77,952,639

Revenue Less Expenses $656,433

Net Assets – End of Year $816,177

Statementof Activitiesyear ended December 31,2012 — Cross International, Inc.

2012 AuditedFinancial StatementProgram Services 96.1%

Administrative Expenses 1.5%

Fundraising Expenses 2.4%

13

Behind the NumbersOur annual reports focus on numbers — the numbers

of dollars, numbers of shipments and numbers of

outreaches involved, and also the ratio of program

services spending to administrative and fundraising

expenses. The numbers are collected, counted,

audited by professionals and reviewed as we set

budgets to guide our ministry in the year ahead.

Behind these numbers are stories of dynamic

Christian ministries saving lives, and of donors

answering the call to serve. The numbers represent

your compassion for the poor, and they represent

the impact your generosity has had on the work

of the global church. Your contributions to Cross

International are crucial to the success of our mission,

and for that we are deeply grateful. Thank you for

answering the call, and thank you for continuing to

stand with us as we move forward in Christ’s name.

Boots on the GroundWe are deeply grateful, not only for those who supported Cross International fi nancially in 2012, but also for those who volunteered their time to make our work a success. Whether they served on a fundraising event committee, helped pack food shipments, or volunteered at our Florida offi ce stamping and stuffi ng envelopes, folding brochures and assembling fundraising materials, their contributions were important to our goal of cost-effectively serving the poor. Their hands and feet have been the hands and feet of Jesus, delivering God’s grace to the least, the last and the lost.

For donors who desire a fi rsthand encounter with our overseas projects, we also offer exciting opportunities to join us in our travels abroad and actually meet with the ministries, communities and families who have benefi ted from their gifts. These travels immerse donors in the rewarding work of international relief and development. Vision trips give donors a chance to observe projects they are considering funding, while Mission trips provide individuals and church groups with the unforgettable experience of directly serving and ministering to “the least of these.”

United in service

14

And now these three remain: faith, hope and love.

But the greatest of these is love. 1 Corinthians 13:13

You have made a difference!

15

A Messagefrom Our Board

You and I are the hands and feet of Christ to the world. What a tremendous

responsibility! I think it’s important to remember that God has chosen us, not

because he needs us or because we are so capable, but because he loves us so

much that he wants us to share in the joy of advancing his kingdom.

Throughout these diffi cult economic times, we and our ministry partners have

been challenged to stand upon that truth. 2 Corinthians 4:7-9 says, “We have

this treasure in jars of clay to show that this all-surpassing power is from God and

not from us. We are hard pressed on every side, but not crushed; perplexed, but

not in despair; persecuted, but not abandoned; struck down, but not destroyed.”

In 2011, the challenge of supplying our partners’ needs and achieving our own

high expectations was particularly daunting. But God heard our prayers for the poor; and in 2012, your generosity

empowered us to meet our commitments to our overseas ministry partners and the poor they serve.

The facts and fi gures in this report represent what we have accomplished through your open hands of compassion.

Thank you, on behalf of the board of Cross International, for helping us meet our goals. Thank you for being the

vessels of God’s mercy to the poor, the sick, the vulnerable and the outcast.

God bless you,God bless you,

Bob Hodgdon, Chairman — Cross International Board of Directors

Thank You for your support!

Mr. Bob Hodgdon – ChairmanPresident of Hodgdon Powder Co.

Dr. Joe White – Secretary & DirectorPresident of Kanakuk Kamps / Men At The Cross

Mr. James J. Cavnar – DirectorPresident of Cross International

Mr. Jim Brown – Treasurer & DirectorState Farm Agency (retired) & Community Advocate

Cross International 2013 Board of Directors

Mrs. Linda Brown – DirectorState Farm Agency (retired) & Community Advocate

Rev. Jimmy Dodd – DirectorExecutive Director of PastorServe

Mr. Clarence Harvey – DirectorSalvation Army (retired), Development Services

16

Thank you for partnering with us in

2012 to be Christ’s hands and feet to

the poorest of the poor. With your help,

we have served our Christian brothers

and sisters worldwide and demonstrated

the Gospel in action to those who might

otherwise never step inside a church. Just think:

your faith-centered life of compassion — and the

lives of the pastors and missionaries in the fi eld —

may be the only Bible some people ever read.

As we continue to follow his footsteps in obedience to

the call, may you remember the poor in your prayers,

and may the light of your faith shine brightly. Jesus said in

Matthew 5:15-16, “You are the light of the world… Let your

light shine before men, that they may see your good deeds and

praise your Father in heaven.”

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“If you really want to see the transformation of the poor, go into the worst

slums, to the most desolate communities, to the most hopeless and abandoned.

There you will fi nd God, who hears the cry of the poor, coming to their aid in the

person of these faithful servants.” James Cavnar, President of Cross International17

Our MissionCross International serves the poorest of the poor internationally by channeling aid through existing

churches or church-based ministries, cost effectively helping the poor while advancing the Gospel of

Jesus Christ.

How We Serve Rather than create new institutions to distribute aid, we support existing ministries and churches

already serving the poor. In addition to being the most cost-effective way of helping the poor,

empowering these ministries allows us to support the Church’s spiritual mission and its important

position of leadership in poor communities.

Stewardship We consider every gift we receive as a precious resource from God. We direct every donation to its

intended project, provide honest and accurate reports to our donors, and keep overhead costs to

an industry low. We handle funds with utmost integrity and hold our ministry partners in the fi eld to

the same high standards by asking them to document costs and the impact of their outreach. These

detailed accountability measures have earned us ongoing accreditation by the following organizations:

600 SW 3rd Street • Suite 2201 • Pompano Beach, FL 33060www.CrossInternational.org

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