2026-02-20T07:58:19-06:00 2025-06-30 341884125 CBIZ ADVISORS LLC 4722 N 24TH ST STE 300 PHOENIX AZ 85016 990 2024-07-01 860762610 FRESH START WOMEN'S FOUNDATION FRES 6022617128 1130 EAST MCDOWELL ROAD PHOENIX AZ 85006 LATA QUINN CFO 6022617128 2026-02-18 1 1 KRISTEN M BASS P01247587 6022646835 2026-02-18 2024 2025-03-06 01:10:19Z KIMBERLY MCWATERS 1130 E MCDOWELL ROAD PHOENIX AZ 85006 7787652 0 X WWW.FRESHSTARTWOMEN.ORG X 1994 AZ FRESH START WOMEN'S FOUNDATION PROVIDES EDUCATION, RESOURCES AND SUPPORT FOR WOMEN TO POSITIVELY... FRESH START WOMEN'S FOUNDATION PROVIDES EDUCATION, RESOURCES AND SUPPORT FOR WOMEN TO POSITIVELY TRANSFORM THEIR LIVES AND STRENGTHEN OUR COMMUNITY. 34 34 66 340 0 0 7381822 6416540 18125 9985 933515 -570858 88909 71576 8422371 5927243 36165 51445 0 0 4575714 4890035 0 26500 1277416 2821521 2962390 7433400 7930370 988971 -2003127 9274531 8487177 1746094 1994485 7528437 6492692 X THE MISSION OF FRESH START WOMEN'S FOUNDATION IS TO PROVIDE ACCESS AND RESOURCES THAT HELP WOMEN ACHIEVE SELF-SUFFICIENCY AND USE THEIR STRENGTH TO THRIVE. WE DO THIS WORK IN PURSUIT OF OUR VISION TO CREATE UNLIMITED OPPORTUNITIES FOR WOMEN AND TO... [CONTINUED ON SCH O]THE MISSION OF FRESH START DISRUPT CYCLES OF INTERGENERATIONAL POVERTY. THE WOMEN WE SERVE ARE UNEMPLOYED OR UNDER-EMPLOYED WORKING IN LOW-WAGE JOBS WITHOUT FINANCIAL STABILITY, MOST ARE MOTHERS ESCAPING DOMESTIC ABUSE AND TRAUMA. MANY ARE SINGLE MOMS WHO STRUGGLE TO PROVIDE FOR THEIR CHILDREN AND TO COVER BASIC NEEDS LIKE FOOD AND HOUSING. FRESH START'S IMPACT PROGRAM HELPS WOMEN DEVELOP A PERSONALIZED PATH OUT OF POVERTY AND ACROSS THE BRIDGE TO SELF-SUFFICIENCY. THE SCIENCE-BASED AND EVIDENCE INFORMED MODEL PROVIDES HOLISTIC WRAP-AROUND SERVICES ACROSS FIVE KEY PILLARS OF A WOMAN'S LIFE AND EMPOWERS HER TO ACHIEVE GOALS AND BEHAVIORAL CHANGES NECESSARY TO REACH AND SUSTAIN ECONOMIC MOBILITY AND INDEPENDENCE. 0 0 3861016 51445 9985 CAREER & EDUCATION SERVICES: FRESH START CAREER SERVICES SUPPORT WOMEN IN THEIR JOURNEYS TO NEW AND BETTER TRAINING AND EMPLOYMENT. IN FY25, FRESH START PROVIDED 1,449 ONE-ON-ONE CAREER COACHING SESSIONS AND A WIDE RANGE OF CAREER READINESS WORKSHOPS SPANNING INTERVIEWING, JOB SEARCH STRATEGY, RESUME WRITING, SALARY NEGOTIATION, AND PROFESSIONAL COMMUNICATION SKILL. FRESH START STRENGTHENED ITS BEST-PRACTICE WORKFORCE MODEL THIS YEAR THROUGH A SUITE OF HIGH-IMPACT STRATEGIES THAT SUPPORTED WOMEN FROM TRAINING THROUGH LONG-TERM CAREER SUCCESS. THESE INCLUDED HOSTING FOUR HIGHLY SUCCESSFUL CAREER FAIRS THAT CONNECTED WOMEN DIRECTLY WITH HIRING EMPLOYERS, EXPANDING ACCESS TO WORKFORCE TRAINING PROGRAMS ALIGNED WITH IN-DEMAND INDUSTRIES, OFFERING PERSONALIZED RESUME ASSISTANCE AND INTERVIEW PREPARATION, PROVIDING LINKEDIN SUPPORT TO ENHANCE DIGITAL PROFESSIONAL BRANDING, AND DELIVERING HOLISTIC POST-PLACEMENT COACHING TO HELP WOMEN RETAIN EMPLOYMENT AND CONTINUE ADVANCING. TOGETHER, THESE EFFORTS CREATED DIRECT PATHWAYS TO OPPORTUNITY AND ECONOMIC MOBILITY. AS A RESULT, OVER 200 WOMEN SECURED EMPLOYMENT THIS FISCAL YEAR, TAKING SIGNIFICANT STRIDES TOWARD FINANCIAL INDEPENDENCE. FRESH START OFFERS A BREADTH OF WRAP AROUND EDUCATION OFFERINGS SPANNING THE TOPICS OF FINANCIAL AND DIGITAL WORKPLACE LITERACY, PARENTING, HEALTHY LIVING, INTERPERSONAL SKILLS AND GROWTH, GOAL SETTING, RESILIENCY, AND A WIDE VARIETY OF OTHER PERSONAL AND PROFESSIONAL EDUCATION TOPICS. CLASSES, WORKSHOPS, AND WEBINARS ARE FACILITATED BY HIGHLY-TRAINED STAFF AND INSTRUCTORS, ALONG WITH COMMUNITY PROFESSIONALS AND EXPERTS. THERE WERE 11,897 WORKSHOP ATTENDEES THIS YEAR, WHO REPORTED A 94% OVERALL SATISFACTION RATE.FRESH START OFFERS UNIQUE SCHOLARSHIP OPPORTUNITIES AND ACCESS TO HIGH QUALITY TRAINING PROGRAMS FOR OUR CLIENTS WHO ARE EAGER TO PURSUE THE NEXT LEVEL OF THEIR EDUCATION AND CAREER GOALS. IN THE PAST YEAR, 350 WOMEN ENROLLED IN A CAREER TRAINING PROGRAM. FRESH START AWARDED A TOTAL OF $257,813 IN CAREER AND WORKFORCE DEVELOPMENT SCHOLARSHIPS, SUPPORTING WOMEN IN GAINING THE SKILLS NECESSARY TO EXCEL IN A NEW CAREER PATHWAY. FRESH START COLLABORATES WITH NUMEROUS EMPLOYERS IN THE VALLEY, INCLUDING TSMC, INTEL, CVS, JPMORGAN CHASE AND BANK OF AMERICA TO PROVIDE WOMEN ACCESS TO CAREER OPPORTUNITIES IN TODAY'S TOP INDUSTRIES. 1040198 0 0 SOCIAL WORK SERVICES: SOCIAL WORKERS SUPPORTED WOMEN WITH AN ARRAY OF EXPERIENCES AND STRUGGLES, INCLUDING THEIR BARRIERS TOWARDS SELF-SUFFICIENCY WITH FAMILY STABILITY AND OVERALL WELLBEING. SOCIAL WORKERS SUPPORT WOMEN THROUGH WORKSHOPS, GROUPS AND ONE-ON-ONE SUPPORT BUILDING EMPOWERMENT SKILLS OF ASSERTIVE COMMUNICATION, BOUNDARIES, CONFIDENCE, HEALTHY COMMUNITY, GOAL SETTING, SELF-CARE.FRESH START'S TEAM OF SKILLED SOCIAL WORKERS ALSO PROVIDE SUPPORT THROUGH THREE DISTINCT INITIATIVES: CHRONIC HEALTH, JUSTICE INVOLVED AND SURVIVOR SUPPORT TO PROMOTE ADDITIONAL SUPPORT TO SPECIFIC COMMUNITIES. THROUGH ONE-ON-ONE COACHING SESSIONS, WOMEN CAN GAIN CLARITY AND MAINTAIN THEIR GOALS. 2,072 ONE-ON-ONE SESSIONS RESULTED IN 85% GOAL ATTAINMENT WITH PERSONALIZED GOALS SET BY WOMEN IN THE PROGRAM.SOCIAL WORKERS PROMOTE ALL RESOURCES THAT COULD SUPPORT A WOMAN'S WELLBEING, RESULTING IN 307 RESOURCE COACHING SESSIONS CONDUCTED TO GET WOMEN CONNECTED WITH COMMUNITY RESOURCES. SPECIFICALLY, THE TEAM SHARED 348 MENTAL HEALTH REFERRALS TO PROMOTE CONNECTION TO CLINICAL MENTAL HEALTH SUPPORT. 684457 0 0 FAMILY STABILITY PROGRAMS: FAMILY LAW SUPPORT SERVICES PROVIDES ESSENTIAL LEGAL GUIDANCE AND SUPPORT THAT EMPOWERS WOMEN TO NAVIGATE ARIZONA'S COMPLEX FAMILY COURT SYSTEM WITH CONFIDENCE AND DIGNITY. THE PROGRAM OFFERS COMPASSIONATE, INFORMED ASSISTANCE TO WOMEN INVOLVED IN DIVORCE, LEGAL SEPARATION, CHILD DECISION-MAKING (CUSTODY), PARENTING TIME, CHILD SUPPORT, AND OTHER FAMILY COURT MATTERS.DURING THE REPORTING PERIOD, FAMILY LAW SUPPORT STAFF CONDUCTED 2,756 ONE-ON-ONE SESSIONS, DELIVERING INDIVIDUALIZED LEGAL INFORMATION, DOCUMENT REVIEW, AND DOCUMENT PREPARATION SERVICES. STAFF ALSO EDUCATE PARTICIPANTS ON KEY LEGAL TERMINOLOGY AND FAMILY COURT PROCEDURES, ENABLING WOMEN TO MAKE INFORMED DECISIONS ABOUT THEIR CASES AND BETTER UNDERSTAND THEIR RIGHTS.THROUGH EDUCATION, GUIDANCE, AND ACCESSIBLE DOCUMENT PREPARATION ASSISTANCE, THE PROGRAM EQUIPS EACH PARTICIPANT WITH THE KNOWLEDGE, CONFIDENCE, AND TOOLS NECESSARY TO ADVOCATE EFFECTIVELY FOR HERSELF AND HER FAMILY. FAMILY LAW SUPPORT SERVICES PLAYS A VITAL ROLE IN HELPING WOMEN OVERCOME LEGAL BARRIERS AND ACHIEVE LASTING STABILITY AND SELF-SUFFICIENCY. 360749 WELL-BEING SERVICES: FRESH START OFFERS A BREADTH OF OFFERINGS THAT IMPACT THE HEALTH & WELL-BEING OF CLIENTS. THE SERVICES INCLUDE MENTORING, PERSONAL EMPOWERMENT WORKSHOPS, SUPPORT GROUPS, HEALTH COACHING AND HEALTH WORKSHOPS. THESE CLASSES, WORKSHOPS, AND WEBINARS ARE FACILITATED BY HIGHLY TRAINED STAFF AND INSTRUCTORS, ALONG WITH COMMUNITY PROFESSIONALS AND EXPERTS. THERE WERE OVER 3,224 WOMEN WHO ACCESSED HEALTH & WELL-BEING SERVICES. 149057 FINANCIAL MANAGEMENT PROGRAMS: ECONOMIC STABILITY IS THE GATEWAY TO A BETTER LIFE, SELF-SUFFICIENCY, AND GREATER FREEDOMS. WITH MONEY MANAGEMENT SKILLS AND FUTURE PLANNING, WOMEN CAN BE IN CONTROL OF THEIR FINANCES RATHER THAN HAVING THEIR FINANCES CONTROL THEM. FRESH START OFFERS FINANCIAL LITERACY WORKSHOPS AND ONE-ON-ONE FINANCIAL EMPOWERMENT COACHING. THESE WORKSHOPS AND SESSIONS INCLUDE TOPICS FOR SUSTAINED FINANCIAL SUCCESS SUCH AS BUDGETING, CREDIT AND DEBT MANAGEMENT, SAVINGS, AND HEALTHY MONEY HABITS, RENT & LEASE ASSESSMENT, CREDIT SCORES, AND HOME OWNERSHIP. FRESH START EXPANDED FINANCIAL EMPOWERMENT OFFERINGS THROUGH "BOOST YOUR CREDIT SCORE" WORKSHOPS, WHICH EMPOWER WOMEN TO UNDERSTAND THEIR CREDIT HISTORY AND OFFER TANGIBLE STRATEGIES TO INCREASE THEIR SCORES. WOMEN WHO COMPLETED BOOST EXPERIENCED AN AVERAGE CREDIT SCORE INCREASE OF 54 POINTS, FAR EXCEEDING NATIONAL BENCHMARKS.FRESH START ALSO LAUNCHED "BUDGET YOUR PAYCHECK," WHICH SUPPORTS WOMEN POST-EMPLOYMENT AS THEY TRANSITION INTO NEW INCOME LEVELS. THESE SESSIONS HELP WOMEN CREATE SUSTAINABLE BUDGETS, PROACTIVELY MANAGE EXPENSES, AND LEARN THE IMPORTANCE OF BUILDING RETIREMENT SAVINGS EARLY IN THEIR CAREERS TO SUPPORT LONG-TERM SELF-SUFFICIENCY.OF WOMEN SERVED IN FY25, 84% HAD LOW TO MODERATE INCOME AND 67% REPORTED LESS THAN $25K ANNUAL HOUSEHOLD INCOME REINFORCING THE CRITICAL NEED FOR OUR ONGOING FINANCIAL EMPOWERMENT PROGRAMS. 509806 6095477 1 1 0 0 0 0 0 0 0 1 1 1 0 0 1 1 1 0 0 0 0 0 0 1 1 1 0 0 1 1 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 1 64 0 1 66 1 0 0 0 0 0 1 1 0 0 0 0 0 0 X 34 34 1 0 0 0 0 0 0 1 1 0 0 1 1 1 1 1 1 1 0 0 X X LATA QUINN 6027513062 1130 E MCDOWELL ROAD PHOENIX AZ 85006 KIM FOWEE-PERERA CHAIR 2.00 0.00 X X 0 0 0 JESSICA PENNINGTON TREASURER 0.00 0.00 X X 0 0 0 DONNA EASTERLY SECRETARY 0.00 0.00 X X 0 0 0 GENA BONSALL DIRECTOR AT LARGE 1.00 0.00 X 0 0 0 RHONDA R BUSEMAN DIRECTOR AT LARGE 1.00 0.00 X 0 0 0 REKHA REDDY-SAREEN DIRECTOR AT LARGE 1.00 0.00 X 0 0 0 KARLENE KEOGH PARKS CHARTER MEMBER 1.00 0.00 X 0 0 0 JANET KIZZIAR PHD CHARTER MEMBER 1.00 0.00 X 0 0 0 MARLENE KLOTZ-COLLINS CHARTER MEMBER 1.00 0.00 X 0 0 0 ALLISON DAVIS DIRECTOR 1.00 0.00 X 0 0 0 ANDREA DRIGGS DIRECTOR 1.00 0.00 X 0 0 0 JESSICA ESTRADA DIRECTOR 1.00 0.00 X 0 0 0 LORRAINE FIELD DIRECTOR 1.00 0.00 X 0 0 0 JESSICA GALE DIRECTOR 1.00 0.00 X 0 0 0 ELISE GOULD DIRECTOR 1.00 0.00 X 0 0 0 SHIRLEY GUNTHER DIRECTOR 1.00 0.00 X 0 0 0 FRANCES HAYNES DIRECTOR 1.00 0.00 X 0 0 0 KATHY HU DIRECTOR 1.00 0.00 X 0 0 0 ANDREA KATSENES PAPPAS DIRECTOR 1.00 0.00 X 0 0 0 STEFANIE LAYTON DIRECTOR 1.00 0.00 X 0 0 0 CYNTHIA LIETZ PHD DIRECTOR 1.00 0.00 X 0 0 0 NANCY LOFTIN DIRECTOR 1.00 0.00 X 0 0 0 GEORGIA MUSGRAVE DIRECTOR 1.00 0.00 X 0 0 0 MARY PAHISSA UPCHURCH DIRECTOR 1.00 0.00 X 0 0 0 BELLE PETZNICK DIRECTOR 1.00 0.00 X 0 0 0 MELINDA PETZNICK DIRECTOR 1.00 0.00 X 0 0 0 PAT PETZNICK-WICK DIRECTOR 1.00 0.00 X 0 0 0 BEATRIZ ELISABETH RENDON DIRECTOR 1.00 0.00 X 0 0 0 KATIE SCARDELLO DIRECTOR 1.00 0.00 X 0 0 0 RENIE SCIBONA DIRECTOR 1.00 0.00 X 0 0 0 LISA STEVENS ANDERSON DIRECTOR 1.00 0.00 X 0 0 0 TINA TOMBS - FISCHER DIRECTOR 1.00 0.00 X 0 0 0 ADRIANNE WRIGHT TAYLOR DIRECTOR 1.00 0.00 X 0 0 0 KATHLEEN ZIEGLER DIRECTOR 1.00 0.00 X 0 0 0 KIMBERLY MCWATERS PRESIDENT/CEO 40.00 0.00 X 194352 0 33278 LATA QUINN CFO 32.00 0.00 X 140608 0 21443 HEIDI COUPLAND CHIEF OF STAFF 40.00 0.00 X 154638 0 6711 ABDERRAHIM DAHR VP OF STRATEGIC PARTNERSHIPS 40.00 0.00 X 135860 0 38667 PATTI O'BRIEN CHIEF OF MARKETING/CLIENT EXPERIENCE 40.00 0.00 X 187259 0 37950 812717 0 138049 5 0 1 0 JCK COMM CO LLC 17677 N 77TH WAY SCOTTSDALE AZ 85255 CONSULTING 120000 1 105776 3265684 321580 2723500 157651 6416540 OTHER PROGRAM SERVICES 624100 9985 9985 9985 65181 65181 909485 1543542 1982 -634057 -1982 -636039 -636039 314885 3265684 314885 0 71576 0 71576 71576 5927243 9985 0 -499282 51445 51445 389681 313879 33768 42034 3917680 3155596 339489 422595 71069 57244 6159 7666 167418 134851 14508 18059 344187 277234 29826 37127 41646 29859 7072 4715 35999 25811 6113 4075 26500 26500 36729 36729 551461 345283 51391 154787 91524 87407 3215 902 45279 29672 6902 8705 336407 305190 8531 22686 356091 344841 4801 6449 47335 45924 641 770 398193 386324 5389 6480 EVENT EXPENSE 517355 3712 2816 510827 SPONSORED EDUCATION 312152 309652 2500 CLIENT EXPENSES 86430 86430 COMMUNITY OUTREACH 73009 73009 32780 32114 127 539 7930370 6095477 557477 1277416 1871187 1070901 84866 87431 477140 286869 187207 231059 6463452 4000735 2607399 2462717 888802 1665183 3009125 2659100 23917 23917 124888 0 9274531 8487177 348768 302303 182823 575503 1086409 1021139 128094 95540 1746094 1994485 X 6394156 5438845 1134281 1053847 7528437 6492692 9274531 8487177 -2003127 967382 0 X 0 1 X 1 0 X 2930747 5120806 5597765 7381822 6416540 27447680 2930747 5120806 5597765 7381822 6416540 27447680 2498684 24948996 61960 100261 176195 376884 65181 780481 28228161 1257411 0.88380 0.88260 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 3454483 300330 600000 3154813 3109063 345421 3454483 2941250 167813 3109063 3364411 25560 -448721 2941250 2771530 18805 574076 3364411 0.84287 0.07924 0.07789 0 0 5331545 3322380 2009165 203841 132956 70885 503179 248969 254210 424887 296430 128457 2462717 ACF INTERMEDIATE TERM INVESTMENT POOL 2659100 F 2659100 FINANCING LEASE LIABILITY 95540 95540 X 7171048 967382 313152 1280534 5890514 36729 36729 5927243 8206793 313152 313152 7893641 36729 36729 7930370 PART V, LINE 4: THE INTENDED USE OF ENDOWMENT FUNDS IS FOR OPERATIONS, PROGRAMS AND SCHOLARSHIPS. THE PERMANENT ENDOWMENT FUNDS CANNOT BE USED FOR THE PURPOSES MENTIONED UNLESS GRANTOR AUTHORIZES SUCH USE. PART X, LINE 2: THE FOUNDATION QUALIFIES AS A TAX-EXEMPT ORGANIZATION UNDER SECTION 501 (C)(3) OF THE INTERNAL REVENUE CODE (THE "CODE") AND, ACCORDINGLY, THERE IS NO PROVISION FOR INCOME TAXES. IN ADDITION, THE FOUNDATION QUALIFIES FOR THE CHARITABLE CONTRIBUTION DEDUCTION UNDER SECTION 170 OF THE CODE AND HAS BEEN CLASSIFIED AS AN ORGANIZATION THAT IS NOT A PRIVATE FOUNDATION. INCOME DETERMINED TO BE UNRELATED BUSINESS TAXABLE INCOME WOULD BE TAXABLE. THE FOUNDATION EVALUATES ITS UNCERTAIN TAX POSITIONS, IF ANY, ON A CONTINUAL BASIS THROUGH REVIEW OF ITS POLICIES AND PROCEDURES, REVIEW OF ITS REGULAR TAX FILINGS, AND DISCUSSIONS WITH OUTSIDE EXPERTS. THE FOUNDATION'S FEDERAL RETURN OF ORGANIZATIONS EXEMPT FROM INCOME TAX (FORM 990) FOR FISCAL YEARS 2022, 2023 AND 2024 ARE SUBJECT TO EXAMINATION BY THE IRS, GENERALLY FOR THREE YEARS AFTER THEY WERE FILED. X X X X X X X 1 SYNERGY PHILANTHROPY 861 LAKE ST N WAYZATA MN 55391 RESEARCHING FOR CAPITAL CAMPAIGN 0 0 26500 26500 26500 26500 AZ FASHION GALA 2667313 2431150 236163 187200 GOLF TOURNAMENT 436247 398461 37786 65285 1 477009 436073 40936 62400 3580569 3265684 314885 314885 314885 0 71576 1 1.00000 71576 71576 AZ 0 THE ORGANIZATION IS EXEMPT FROM LICENSING IN ARIZONA (ARS 13-3302). 0 1 0 1.00000 CYNTHIA EHLERS 1130 E MCDOWELL ROAD PHOENIX AZ 85006 0 0 1 EDUCATION & CAREER SCHOLARSHIPS 77 51445 SCHOLARSHIPS PART I, LINE 2: AN ANNUAL NEEDS ASSESSMENT IS REQUIRED FROM EACH GRANTEE BEFORE TUITION CAN BE AWARDED FOR THE SCHOOL YEAR. TUITION IS AWARDED ONLY FOR REQUIRED COURSES ESSENTIAL TO THE EDUCATIONAL PROGRAM AND PROOF OF ATTENDANCE IS VERIFIED. ALL TUITION PAYMENTS ARE SENT DIRECTLY TO THE EDUCATIONAL INSTITUTION, WITH EXPLICIT INSTRUCTIONS THAT ANY WITHDRAWAL FEES MUST BE RETURNED DIRECTLY TO THE ORGANIZATION. X X X 0 0 0 0 0 0 0 1 0 KIMBERLY MCWATERS PRESIDENT/CEO 194352 0 0 0 0 0 0 0 33278 0 227630 0 0 0 PATTI O'BRIEN CHIEF OF MARKETING/CLIENT EXPERIENCE 175259 0 12000 0 0 0 7713 0 30237 0 225209 0 0 0 ABDERRAHIM DAHR VP OF STRATEGIC PARTNERSHIPS 125860 0 10000 0 0 0 5239 0 33428 0 174527 0 0 0 LATA QUINN CFO 140608 0 0 0 0 0 5731 0 15712 0 162051 0 0 0 HEIDI COUPLAND CHIEF OF STAFF 139638 0 15000 0 0 0 6191 0 520 0 161349 0 0 0 PART I, LINE 7 BONUS PAYMENTS ARE MADE BASED ON MEETING ORGANIZATIONAL GOALS AND ARE AT THE DISCRETION OF THE BOARD OF DIRECTORS. X 9 128327 STOCK QUOTE X AUCTION ITEMS 28 29324 COST 0 0 1 0 FORM 990, PART VI, SECTION A, LINE 2 BELLE PETZNICK, MELINDA PETZNICK AND PATRICIA PETZNICK HAVE A FAMILY RELATIONSHIP. FORM 990, PART VI, SECTION B, LINE 11B THE FORM 990 IS PREPARED BY AN OUTSIDE ACCOUNTING FIRM. THE RETURN IS REVIEWED BY THE CHIEF FINANCIAL OFFICER, PRESIDENT/CEO AND FINANCE COMMITTEE CHAIR. BEFORE ITS FILED WITH THE IRS, EACH BOARD MEMBER RECEIVES A COMPLETE COPY OF FORM 990. FORM 990, PART VI, SECTION B, LINE 12C AT THE END OF EACH CALENDAR YEAR, EVERY INTERESTED PERSON, INCLUDING BOARD OFFICERS, DIRECTORS AND OTHER DISQUALIFIED PERSONS, RECEIVE A QUESTIONNAIRE WHICH EVALUATES ANY ACTUAL OR POSSIBLE CONFLICTS OF INTEREST. EACH INTERESTED PERSON MUST RETURN THE SIGNED FORM CONFIRMING ANY OR THE LACK OF CONFLICTS OF INTEREST. IN CONNECTION WITH ANY ACTUAL OR POSSIBLE CONFLICTS OF INTEREST, A DISQUALIFIED PERSON MUST DISCLOSE THE EXISTENCE AND NATURE OF HIS OR HER FINANCIAL INTEREST TO THE DIRECTORS AND MEMBERS OF COMMITTEES CONSIDERING THE PROPOSED TRANSACTION OR ARRANGEMENT. AFTER DISCLOSURE OF THE FINANCIAL INTEREST, THE DISQUALIFIED PERSON SHALL LEAVE THE BOARD OR COMMITTEE MEETING WHILE THE FINANCIAL INTEREST IS DISCUSSED AND VOTED UPON. THE REMAINING BOARD OR COMMITTEE MEMBERS SHALL DECIDE IF A CONFLICT OF INTEREST EXISTS. IF DISCLOSURE OCCURS PRIOR TO CONSIDERATION THE DISQUALIFIED PERSON SHOULD ABSTAIN FROM ALL DISCUSSIONS AND CONSIDERATION. FORM 990, PART VI, SECTION B, LINE 15A THE CEO'S COMPENSATION IS REVIEWED AND APPROVED ANNUALLY BY THE BOARD OF DIRECTORS. THEY CONSIDER THE INDIVIDUAL'S PERFORMANCE BASED ON ESTABLISHED GOALS, AGENCY PERFORMANCE, GENERAL MARKET CONDITIONS, MARKET DATA AND SURVEYS, AND COMPENSATION PAID FOR SIMILAR POSITIONS IN SIMILAR ORGANIZATIONS TO DETERMINE ANY NECESSARY ADJUSTMENTS IN COMPENSATIONS. DECISIONS ARE DOCUMENTED BY THE BOARD. THE LAST REVIEW FOR THE CEO'S COMPENSATION WAS FEBRUARY 2025. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION'S ARTICLES OF INCORPORATION, BY-LAWS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE MADE AVAILABLE UPON WRITTEN REQUEST TO THE PRESIDENT/CEO OF THE ORGANIZATION.