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        <ExplanationTxt>THE FINANCIAL ACCOUNTING STANDARDS BOARD HAS ISSUED GUIDANCE ON ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES AND THE FOUNDATION HAS ADOPTED THIS GUIDANCE. THE FOUNDATION HAS EVALUATED ITS TAX POSITIONS AND ANY ESTIMATES UTILIZED IN ITS TAX RETURNS, AND CONCLUDED THAT IT HAS TAKEN NO UNCERTAIN TAX POSITIONS THAT REQUIRE ADJUSTMENT TO THE FINANCIAL STATEMENTS TO COMPLY WITH THE PROVISIONS OF THIS GUIDANCE. INTEREST AND PENALTIES ASSOCIATED WITH UNCERTAIN TAX POSITIONS WILL BE RECOGNIZED IN INCOME TAX EXPENSE, IF REQUIRED.</ExplanationTxt>
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        <ExplanationTxt>OUR MISSION IS TO HELP THE ECONOMICALLY VULNERABLE VETERANS, SENIORS, YOUTH AGING OUT OF FOSTER CARE, DISABLED AND HOMELESS INDIVIDUALS IN THE VERY LOW, LOW TO MODERATE INCOME AREA OF OUR REGION ACHIEVE FINANCIAL LITERACY, ATTAIN HOUSING STABILITY AND OR HOMEOWNERSHIP, PARTICIPATE IN THE AMERICAN DREAM, AND CONTRIBUTE TO MORE STABLE, VITAL NEIGHBORHOODS. TO CREATE THIS TRANSITION, WE OFFER ADVOCACY, EDUCATION, COUNSELING, AND WORK TO INCREASE THE AVAILABILITY OF SAFE, DECENT, AFFORDABLE HOUSING OPPORTUNITIES.</ExplanationTxt>
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        <ExplanationTxt>WE SERVED 895 CLIENTS AND HOUSED 35 PREVIOUSLY HOMELESS CLIENTS IN OUR SRO HOUSING. OUR HUD CERTIFIED HOUSING COUNSELORS ASSISTED CLIENTS WITH EVICTION PREVENTION COUNSELING AND RESPONSIBLE RENTERS CLASSES TO HELP PREVENT EVICTION.WE ALSO HELPED CLIENTS WITH FIRST TIME HOME BUYER CLASSES AND POST PURCHASE CLASSES ONCE THEY PURCHASED THEIR HOMES. WE HAVE BEEN ACTIVELY WORKED WITH CLIENTS ON HOW TO KEEP A BUDGET AND HOW TO IMPROVE THEIR CREDIT SCORES AND WHY KEEPING YOUR CREDIT GOOD IS IMPORTANT. WE JOINED THE BOARD OF THE COC WHICH IS AN INTEGRAL PART OF THE COMMUNITY THAT WORKS ON AFFORDABLE HOUSING ISSUES IN OUR COUNTY. THIS STREAMLINES THE PROCESS FOR FAMILIES AND INDIVIDUALS LOOKING FOR ASSISTANCE. WE BECAME A "RESILIENT HUB" THAT WORKS CLOSELY WITH THE RED CROSS BEFORE AND AFTER A DISASTER.</ExplanationTxt>
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        <ExplanationTxt>ANNUALLY, BOARD MEMBERS, EMPLOYEES AND VOLUNTEERS ARE REQUIRED TO SIGN THE CONFLICT OF INTEREST POLICY. THE POLICY IS ENFORCED MONTHLY OR WHENEVER A CONFLICT SHOULD ARISE.</ExplanationTxt>
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        <ExplanationTxt>INFORMATION IS REVIEWED BY OUR HR/ACCOUNTANT AND ADVISES THE ORGANIZATION OF COMPARABLE COMPENSATION OF ALL TOP MANAGEMENT AND THE CEO DISCUSSES THIS WITH THE BOARD OF DIRECTORS WHO THEN DETERMINES COMPENSATION PACKAGES.</ExplanationTxt>
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        <ExplanationTxt>INFORMATION IS REVIEWED BY OUR HR/ACCOUNTANT AND ADVISES THE ORGANIZATION OF COMPARABLECOMPENSATION OF ALL KEY EMPLOYEES DISCUSSES THIS WITH THE BOARD OF DIRECTORS WHO THEN DETERMINES COMPENSATION PACKAGES.</ExplanationTxt>
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        <ExplanationTxt>THE FOUNDATION'S GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST.</ExplanationTxt>
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</Return>