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      <PersonNm>Jo Ann Nesbitt</PersonNm>
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        <Desc>In addition to providing housing, St Jude GC CDC offers financial literacy classes, provided referrals to financial counselors, and connects residents with down payment and closing assistance resources. The organization also offers information on home maintenance and entrepreneurship to help first-time homebuyers and families build solid and lasting foundations for successful homeownership.</Desc>
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        <FormAndLineReferenceDesc>Form 990 governing body review Part VI line 11</FormAndLineReferenceDesc>
        <ExplanationTxt>St Jude views fiscal responsibility and financial oversight as paramount to good governance. To that end, the Board regularly examines the financials and financial policies of the organization. Board members undertake a thorough examination of Form 990 prior to submission. Each member is afforded an individual review of Form 990 followed by a full board review and approval of the form prior to transmission to the IRS. The individual and full Board review allows for full disclosure and full discussion to ensure that the organization is operating in line with its mission and compliance of 501(c)3 requirements.</ExplanationTxt>
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        <FormAndLineReferenceDesc>Governing documents etc available to public Part VI line 19</FormAndLineReferenceDesc>
        <ExplanationTxt>St Jude sees transparency as a core principle of good governance. Upon request, access to our governing documents and other pertinent information which is timely, relevant, accurate, and complete is made available to the public.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Explanation of other changes in net assets or fund balances Part XI line 9</FormAndLineReferenceDesc>
        <ExplanationTxt>Rounding difference.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>List of other fees for services expenses Part IX line 11g</FormAndLineReferenceDesc>
        <ExplanationTxt>Job Costs, Home Owner Education Program, Insurance, Interest, Rent, Taxes &amp; Licenses, Bank Fees, Charitable Contributions</ExplanationTxt>
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