2025-04-27T21:02:02-05:00 2024-06-30 521392008 GELMAN ROSENBERG & FREEDMAN 4550 MONTGOMERY AVE SUITE 800N BETHESDA MD 208142930 990 2023-07-01 541856529 COUNCIL ON SOCIAL WORK EDUCATION COUN 7036838080 333 JOHN CARLYLE ST 400 ALEXANDRIA VA 22314 HALAEVALU VAKALAHI PRESIDENT 7036838080 2025-04-27 1 0 ELIZABETH W HELLER P00397829 3019519090 2023 2025-03-06 01:10:19Z HALAEVALU VAKALAHI 333 JOHN CARLYLE ST 400 ALEXANDRIA VA 22314 12129579 0 X WWW.CSWE.ORG X 1952 VA SEE PART III, LINE 1. 14 13 50 226 0 0 1751066 2148158 6551013 7120077 112143 137048 265197 272354 8679419 9677637 1091053 1131350 0 0 4417424 4660530 0 0 0 4134448 4070440 9642925 9862320 -963506 -184683 10232706 10351392 6773233 6893358 3459473 3458034 X CSWE IS A NATIONAL ASSOCIATION OF SOCIAL WORK EDUCATION PROGRAMS AND INDIVIDUALS THAT ENSURE AND ENHANCE THE QUALITY OF SOCIAL WORK EDUCATION FOR A PROFESSIONAL PRACTICE THAT PROMOTES INDIVIDUAL FAMILY, AND COMMUNITY WELL-BEING, AND ECONOMIC JUSTICE (SEE SCHEDULE O)INDIVIDUAL MEMBERS, AS WELL AS GRADUATE AND UNDERGRADUATE PROGRAMS OF PROFESSIONAL SOCIAL WORK EDUCATION. FOUNDED IN 1952, THIS PARTNERSHIP OF EDUCATIONAL AND PROFESSIONAL INSTITUTIONS, SOCIAL WELFARE AGENCIES, AND PRIVATE CITIZENS IS RECOGNIZED BY THE COUNCIL FOR HIGHER EDUCATION ACCREDITATION AS THE SOLE ACCREDITING AGENCY FOR SOCIAL WORK EDUCATION IN THE COUNTRY. CSWE PURSUES THIS MISSION IN HIGHER EDUCATION BY SETTING AND MAINTAINING NATIONAL ACCREDITATION STANDARDS FOR BACCALAUREATE AND MASTER'S DEGREE PROGRAMS IN SOCIAL WORK, BY PROMOTING FACULTY DEVELOPMENT, BY ENGAGING IN INTERNATIONAL COLLABORATIONS, AND BY ADVOCATING FOR SOCIAL WORK EDUCATION AND RESEARCH. 0 0 1601794 1010725 THE MINORITY FELLOWSHIP PROGRAM (MFP) PROVIDES TRAINING AND PROFESSIONAL DEVELOPMENT BENEFITS TO DOCTORAL AND MASTER'S SOCIAL WORK STUDENTS, PREPARING THEM FOR LEADERSHIP AND SERVICE DELIVERY ROLES IN THE BEHAVIORAL HEALTH WORKFORCE, FOCUSING ON CULTURALLY COMPETENT SERVICES TO RACIAL AND ETHNIC MINORITY POPULATIONS. MFP ACCOMPLISHES THIS BY SUPPORTING SOCIAL WORK GRADUATE STUDENTS IN COMPLETING THEIR DOCTORAL OR MASTER'S DEGREE.SUBSTANCE USE DISORDERS EXPANSION OF PRACTITIONER EDUCATION IN SOCIAL WORK (PRAC-ED) ALLOWS CSWE TO WORK WITH MORE THAN 30 PROGRAMS OF SOCIAL WORK OVER A 2-YEAR PERIOD TO STRENGTHEN CURRICULA IN THE AREA OF SUBSTANCE USE DISORDERS (SUD). THE PROJECT WILL CREATE A HIGH-QUALITY STANDARDIZED SUD CURRICULUM, WHICH WILL STRENGTHEN THE PREPARATION OF FUTURE SOCIAL WORK PRACTITIONERS TO DELIVER EFFECTIVE EVIDENCE-BASED SUD PREVENTION, TREATMENT, AND RECOVERY SERVICES. THE STANDARDIZED SUD CURRICULUM WILL ALIGN WITH THE SOCIAL WORK COMPETENCIES IDENTIFIED IN THE 2015 EDUCATIONAL POLICY AND ACCREDITATION STANDARDS AND INCLUDE A FIELD EDUCATION COMPONENT, WHICH WILL ALLOW STUDENTS TO PRACTICE WITH INDIVIDUALS, FAMILIES, GROUPS, ORGANIZATIONS, AND COMMUNITIES AFFECTED BY SUD. 1577226 120625 219935 OTHER PROGRAMS: CSWE HOUSES TWO INSTITUTES, TWO CENTERS, AND OTHER INITIATIVES THAT STRIVE TO STRENGTHEN AND IMPROVE SPECIFIC AREAS OF SOCIAL WORK EDUCATION THROUGH FACULTY AND STUDENT TRAINING, POLICY, AND DATA COLLECTION. SOME EXAMPLES INCLUDE:- THE KATHERINE A. KENDALL INSTITUTE FOR INTERNATIONAL SOCIAL WORK EDUCATION WORKS TO PREPARE EDUCATORS, RESEARCHERS, STUDENTS, AND PRACTITIONERS FOR AN INCREASINGLY GLOBAL COMMUNITY.- THE CSWE LEADERSHIP INSTITUTE IS DESIGNED TO PROMOTE FUTURE LEADERS IN SOCIAL WORK EDUCATION, HIGHER EDUCATION, AND THE SOCIAL WORK PROFESSION.- THE CSWE CENTER FOR DIVERSITY AND SOCIAL & ECONOMIC JUSTICE ADVANCES INDIVIDUAL GROWTH, COMMUNITY WELL-BEING, AND SOCIAL JUSTICE.- THE RECOVERY TO PRACTICE INITIATIVE DEVELOPS, IMPLEMENTS, AND EVALUATES MENTAL HEALTH RECOVERY-ORIENTED TRAINING MATERIALS FOR SOCIAL WORK EDUCATORS AND PRACTITIONERS. 1458999 1159510 ACCREDITATION: CSWE DEVELOPS ACCREDITATION STANDARDS THAT DEFINE COMPETENT PREPARATION FOR SOCIAL WORK EDUCATION PROGRAMS AT THE UNDERGRADUATE AND GRADUATE LEVELS. IN ACCORDANCE WITH THE REQUIREMENTS OF CSWE'S RECOGNITION BODY, THE COUNCIL FOR HIGHER EDUCATION ACCREDITATION, CSWE ADMINISTERS A MULTISTEP ACCREDITATION PROCESS THAT INVOLVES PROGRAM SELF-STUDIES, SITE VISITS, AND REVIEWS. AS OF OCTOBER 2021, THERE ARE:- 538 ACCREDITED BACCALAUREATE SOCIAL WORK PROGRAMS- 313 ACCREDITED MASTER'S SOCIAL WORK PROGRAMS- 15 BACCALAUREATE SOCIAL WORK PROGRAMS IN CANDIDACY- 30 MASTER'S SOCIAL WORK PROGRAMS IN CANDIDACY 1239201 1705534 CONFERENCE FACULTY DEVELOPMENT: CSWE CONFERENCES HELP TO PROMOTE AND TEACH BEST PRACTICES IN RESEARCH AND CURRICULUM DEVELOPMENT THROUGH DYNAMIC EDUCATIONAL SESSIONS, PEER NETWORKING FORUMS, AND JOB SEARCH OPPORTUNITIES. THE ANNUAL PROGRAM MEETING (APM) IS THE PRE-EMINENT ANNUAL MEETING FOR SOCIAL WORK EDUCATORS, STUDENTS, DEANS, AND DIRECTORS WORLDWIDE. EACH YEAR THE APM BRINGS TOGETHER MORE THAN 2,500 INDIVIDUAL MEMBERS AS WELL AS MORE THAN 400 GRADUATE AND UNDERGRADUATE PROGRAMS OF PROFESSIONAL SOCIAL WORK EDUCATION. 864154 5000 SOCIAL WORK EDUCATION RESEARCH: THE CSWE ORGANIZATIONAL MISSION INCLUDES THE CHARGE TO ADVOCATE FOR SOCIAL WORK EDUCATION AND RESEARCH. CSWE WORKS TOWARD THAT MISSION THROUGH THE RESEARCH AGENDA, WHICH OUTLINES THE NEED FOR RESEARCH TO INFORM POLICY AND PRACTICE FOR CSWE STAFF, BOARD OF DIRECTORS, AND THE VOLUNTEER COMMISSIONS AND COUNCILS, AND TO SERVE THE NEEDS OF CSWE MEMBER PROGRAMS - THEIR DEANS, DIRECTORS, FACULTY MEMBERS, AND STUDENTS. CSWE CONDUCTS RESEARCH THROUGH SURVEYS, THE ANNUAL CENSUS OF SOCIAL WORK PROGRAMS, AND QUALITY ASSURANCE MEASURES FOR THE COMMISSION ON ACCREDITATION. THE RESEARCH CAPACITY IS FURTHER AUGMENTED THROUGH THE CSWE SCHOLARS PROGRAM, WHICH FUNDS RESEARCH PROJECTS IN AREAS OF NEED. 105012 4082998 MEMBERSHIP SERVICES: CSWE CONDUCTS VARIOUS ACTIVITIES AND SERVICES TO BENEFIT ITS MEMBERS AND MEET THEIR NEEDS. IT ALSO PROVIDES CURRENT INFORMATION TO ITS MEMBERS THROUGH ITS NEWSLETTER AND VIA ITS WEBSITE. 270005 PUBLICATIONS: CSWE'S PUBLICATIONS PROGRAM DEVELOPS NEW TOOLS TO HELP SOCIAL WORKERS AND SOCIAL WORK EDUCATORS SERVE THEIR CLIENTS AND ADVANCE THEIR PROFESSION. CSWE PRESS IS A NICHE PUBLISHER THAT ADDRESSES THE NEEDS OF SOCIAL WORK EDUCATORS. AREAS OF EXPERTISE INCLUDE THE PHILOSOPHY, THEORY, AND PRACTICE OF TEACHING; THE PROCESS AND EVALUATION OF LEARNING; AND THE ORGANIZATION AND STRUCTURE OF SOCIAL WORK EDUCATION.CSWE'S FLAGSHIP PUBLICATION IS THE JOURNAL OF SOCIAL WORK EDUCATION (JSWE), A PEER REVIEWED PROFESSIONAL JOURNAL CIRCULATED TO MORE THAN 3,900 MEMBERS AND INSTITUTIONAL SUBSCRIBERS. 505331 COMMUNICATIONS AND MARKETING 2983703 5793532 7621722 1 1 0 1 0 0 0 0 0 1 1 0 0 1 1 0 1 0 0 0 0 0 0 0 0 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 41 0 1 50 1 0 0 0 0 0 0 0 0 0 0 0 0 X 14 13 0 0 0 0 1 1 1 1 1 0 0 1 1 1 1 1 1 1 0 0 X TIFFANY M LEWIS 7035192055 333 JOHN CARLYLE ST 400 ALEXANDRIA VA 22314 HALAEVALU VAKALAHI PRESIDENT, CEO 35.00 X X 315000 0 12140 HILARY NOEL WEAVER CHAIR 2.00 X X 0 0 0 DEBRA LAVENDER-BRATCHER TREASURER 2.00 X X 0 0 0 LAURA QUIROS VICE CHAIR/SECRETARY 2.00 X X 0 0 0 LAURA CURRAN BOARD MEMBER 2.00 X 0 0 0 VANESSA ROBINSON-DOOLEY BOARD MEMBER 2.00 X 0 0 0 CHRISTA C GILLIAM BOARD MEMBER 2.00 X 0 0 0 SUK-HEE KIM BOARD MEMBER 2.00 X 0 0 0 MAVIS MAJOR BOARD MEMBER 2.00 X 0 0 0 QUIENTON NICHOLS BOARD MEMBER 2.00 X 0 0 0 TONYA PERRY BOARD MEMBER 2.00 X 0 0 0 PATRICIA SALEEBY BOARD MEMBER 2.00 X 0 0 0 KATHI TRAWVER BOARD MEMBER 2.00 X 0 0 0 EUGENIA L WEISS BOARD MEMBER 2.00 X 0 0 0 ARMINN H LEOPOLD VP OF OP & CEO 35.00 X 211950 0 44069 MEGAN SIMS-FUJITA VP OF EDUCATION 35.00 X 184999 0 36425 HELEN MOSHER VP OF COMMS & MMBRSHP 35.00 X 162000 0 34221 YUK EDDIE C WONG DIRECTOR OF IT 35.00 X 133500 0 30693 TIFFANY M LEWIS ACCTG MANAGER 35.00 X 117000 0 11249 1124449 0 168797 14 0 1 0 LEWIS-BURKE ASSOCIATES LLC 440 1ST ST NW 700 WASHINGTON DC 20001 GOVERNMENT RELATIONS 140831 NONPROFIT HR SOLUTIONS LLC 1441 L STREET NW SUITE 620 WASHINGTON DC 20005 HR SERVICES 125303 2 1869592 278566 2148158 MEMBERSHIP 900099 4082998 4082998 CONFERENCES 900099 1705534 1705534 ACCREDITATION FEES 900099 1159510 1159510 OTHER PROGRAMS 900099 167035 167035 CONSULTANT TRAINING 900099 5000 5000 7120077 122870 122870 219454 219454 2459512 2445334 14178 14178 14178 59508 6608 52900 52900 9677637 7172977 0 356502 102000 102000 1029350 1029350 344939 262154 82785 3361180 2647539 713641 166676 133804 32872 508108 416644 91464 279627 215296 64331 45502 45502 37470 37470 33092 33092 756703 275610 481093 63015 51765 11250 231275 121176 110099 26889 26889 497657 405498 92159 198446 113252 85194 883499 754440 129059 172506 138004 34502 40713 7834 32879 FACILITIES/EQUIPMENT 284061 234382 49679 GRANT ADMINISTRATION 273049 256092 16957 LICENSES AND FEES 189937 113450 76487 COMMISSION EXPENSES 139224 139224 197402 177319 20083 9862320 7621722 2240598 0 1428883 1258596 108561 130467 81915 316468 446004 376265 36586 36588 173870 396658 1863932 1436756 567723 427176 4338150 4695205 279083 279083 2771931 2434886 10232706 10351392 613695 537736 2703558 3320002 3455980 3035620 6773233 6893358 X 2555035 2542114 904438 915920 3459473 3458034 10232706 10351392 X -184683 306244 -123000 X 0 1 X 1 1 1 X 2111071 2458967 1662438 1751066 2148158 10131700 2111071 2458967 1662438 1751066 2148158 10131700 10131700 302422 260700 325281 326400 342324 1557127 -3003 92668 5053 94718 11783545 31665107 0.85980 0.85960 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 0 160000 160000 9669228 9829228 641461 160365 0 0 536333 578570 630639 641461 2387003 3580505 160000 160000 160000 160000 640000 134083 144643 157660 160365 596751 895127 840306 91310 69342 862274 829269 70938 59901 840306 1092074 -131893 130912 829265 943602 211082 62610 1092074 955262 19882 31542 943602 0.00000 0.58220 0.41780 0 0 355665 169170 186495 1508267 1267586 240681 427176 DEPOSITS 127765 RIGHT OF USE ASSET 2307121 2434886 OPERATING LEASE FACILITY 3035620 3035620 10488097 306244 530700 836944 9651153 33092 -6608 26484 9677637 10366536 530700 530700 9835836 33092 -6608 26484 9862320 PART V, LINE 4: CSWE HOLDS TWO PERMANENTLY RESTRICTED ENDOWMENT FUNDS. THE CORPUS OF EACH FUND MUST BE HELD IN PERPETUITY, WHILE THE INVESTMENT EARNINGS FROM THE FUNDS MAY BE USED TO SATISFY THE DONOR'S SPECIFIED PURPOSES IN ACCORDANCE WITH THE BOARD'S ENDOWMENT SPENDING POLICY. PROCEEDS FROM ONE FUND ARE USED TO FOSTER INTERACTION WITH THE GLOBAL SOCIAL WORK COMMUNITY AND TO FORMULATE PROJECTS DESIGNED TO FURTHER OUR GLOBAL AWARENESS AND VISION FOR SOCIAL WORK EDUCATION AND PRACTICE. PROCEEDS FROM THE OTHER FUND ARE USED TO SUPPORT AN ANNUAL INTERNATIONAL LECTURE. PART XI, LINE 4B - OTHER ADJUSTMENTS: COST OF GOODS SOLD REPORTED AS AN EXPENSE ON THE FINANCIAL -6,608. STATEMENTS AND NETTED AGAINST REVENUE ON FORM 990, PART VIII, LINE 10B. PART XII, LINE 4B - OTHER ADJUSTMENTS: COST OF GOODS SOLD REPORTED AS AN EXPENSE ON THE FINANCIAL -6,608. STATEMENTS AND NETTED AGAINST REVENUE ON FORM 990, PART VIII, LINE 10B. 1 BRIDGEWATER STATE UNIVERSITY 131 SUMMER STREET BRIDGEWATER MA 02325 222678005 501(C)(3) 18000 0 GENERAL ASSISTANCE CLARK ATLANTA UNIVERSITY 223 JAMES P BRAWLEY DRIVE SW ATLANTA GA 30314 581825259 501(C)(3) 11000 0 GENERAL ASSISTANCE RAMAPO COLLEGE FOUNDATION 505 RAMAPO VALLEY DRIVE MAHWAH NJ 07430 510244756 501(C)(3) 11000 0 GENERAL ASSISTANCE SOUTHERN CONNECTICUT STATE UNIVERSITY 501 CRESCENT STREET NEW HAVEN CT 065151331 237208882 501(C)(3) 11000 0 GENERAL ASSISTANCE ST CATHERINE UNIVERSITY 2004 RANDOLPH AVENUE ST PAUL MN 55105 410695509 501(C)(3) 11000 0 GENERAL ASSISTANCE UNIVERSITY OF ALASKA-ANCHORAGE 3211 PROVIDENCE DRIVE ANCHORAGE AK 99508 926000147 501(C)(3) 11000 0 GENERAL ASSISTANCE UNIVERSITY OF TEXAS - ARLINGTON PO BOX 19136 ARLINGTON TX 760190136 756000121 501(C)(3) 11000 0 GENERAL ASSISTANCE ST EDWARD'S UNIVERSITY 3001 S CONGRESS AVENUE AUSTIN TX 787046489 741109641 501(C)(3) 11000 0 GENERAL ASSISTANCE NC STATE UNIVERSITY CAMPUS BOX 7214 RALEIGH NC 276957214 566000756 501(C)(3) 7000 0 GENERAL ASSISTANCE 9 0 SAMHSA FELLOWS 100 1009850 DSPF STIPEND 12 19500 PART I, LINE 2: CSWE'S MINORITY FELLOWSHIP PROGRAM (MFP AND MFPY) OVERSEES FUNDING OPPORTUNITIES FOR RACIAL/ETHNIC MASTERS AND DOCTORAL SOCIAL WORK STUDENTS. THE FELLOWSHIP PROGRAM IS FUNDED BY THE SUBSTANCE ABUSE AND MENTAL HEALTH SERVICES ADMINISTRATION (SAMHSA), PART OF THE UNITED STATES DEPARTMENT OF HEALTH AND HUMAN SERVICES. FELLOWSHIP RECIPEIENTS RECEIVE MONETARY STIPENDS, MENTORING AND OTHER NON-MONETARY SUPPORT. X X 0 0 0 0 0 0 0 0 0 HALAEVALU VAKALAHI PRESIDENT, CEO 315000 0 0 0 0 0 10300 0 1840 0 327140 0 0 0 ARMINN H LEOPOLD VP OF OP & CEO 211950 0 0 0 0 0 15488 0 28581 0 256019 0 0 0 MEGAN SIMS-FUJITA VP OF EDUCATION 184999 0 0 0 0 0 20048 0 16377 0 221424 0 0 0 HELEN MOSHER VP OF COMMS & MMBRSHP 162000 0 0 0 0 0 5027 0 29194 0 196221 0 0 0 YUK EDDIE C WONG DIRECTOR OF IT 133500 0 0 0 0 0 9807 0 20886 0 164193 0 0 0 FORM 990, PART VI, SECTION A, LINE 6 CSWE SHALL BE COMPOSED OF FULL MEMBERS AND ASSOCIATE MEMBERS. FULL MEMBERS SHALL CONSIST OF ALL FACULTY, STAFF AND STUDENTS ASSOCIATED WITH A PROGRAM THAT HAS ACHIEVED ACCREDITATION OR CANDIDACY STATUS BY THE CSWE'S COMMISSION ON ACCREDITATION. ("FACULTY" INCLUDE FULL-TIME, PART-TIME, TENURE AND NONTENURE TRACK FACULTY; "STAFF" INCLUDE CLERICAL AND ADMINISTRATIVE STAFF, FIELD DIRECTORS, AND RESEARCH ASSISTANTS; "STUDENTS" INCLUDE PART OR FULL-TIME; BACCALAUREATE, MASTER'S, CERTIFICATE, AND DOCTORAL STUDENTS ENROLLED AT A PROGRAM THAT IS ACCREDITED, IN CANDIDACY STATUS, OR WITHIN A SCHOOL THAT HAS AN ACCREDITED PROGRAM). EACH ACCREDITED AND CANDIDACY PROGRAM SHALL APPOINT TWO DELEGATES FOR VOTING PURPOSES; EACH PROGRAM'S DELEGATES WILL BE RECORDED BY CSWE. PROGRAMMATIC DELEGATES SHALL HAVE THE RIGHT TO VOTE IN ELECTIONS, ON PROPOSED BYLAWS REVISIONS, AND ON SUCH OTHER MATTERS AS THE BOARD MAY DETERMINE. ANY FULL MEMBER WHO CEASES TO MEET THE QUALIFICATIONS FOR FULL MEMBERSHIP SHALL THEREUPON BECOME AN ASSOCIATE MEMBER WITHOUT FURTHER ACTION BY THE BOARD. ASSOCIATE MEMBERS SHALL NOT HAVE VOTING RIGHTS EXCEPT ON ANY CSWE COMMISSION, COUNCIL, COMMITTEE, OR TASK FORCE TO WHICH HE OR SHE MAY BE ELECTED OR APPOINTED. FORM 990, PART VI, SECTION A, LINE 7A BOARD OF DIRECTOR MEMBERS ARE ELECTED BY FULL MEMBERS OF THE COUNCIL IN ACCORDANCE WITH THE TERMS OF THE CSWE BYLAWS. FORM 990, PART VI, SECTION A, LINE 7B MEMBERSHIP HAS TO APPROVE BY-LAWS AND NOMINATING COMMITTEE. FORM 990, PART VI, SECTION B, LINE 11B THE FORM 990 WAS PREPARED BY AN OUTSIDE ACCOUNTING FIRM. THE ORGANIZATION REVIEWED THE FORM 990 WITH THE ENTIRE BOARD PRIOR TO FILING. FORM 990, PART VI, SECTION B, LINE 12C EACH DIRECTOR OF THE COUNCIL IS REQUIRED TO UPDATE IF A CONFLICT OF INTEREST ARISES, THE BOARD HOLDS A DISCUSSION ABOUT THE CONFLICT OF INTEREST WHILE THE INDIVIDUAL THAT HAS THE CONFLICT IS NOT PRESENT. IF THE CONFLICT OF INTEREST IS SIGNIFICANT, THE BOARD MAY ASK THE INDIVIDUAL TO RESIGN FROM HIS/HER BOARD DUTIES. EMPLOYEES OF THE ORGANIZATION MUST READ AND SIGN THE CONFLICT OF INTEREST POLICY AT THE TIME OF EMPLOYMENT AND EVERY FISCAL YEAR THEREAFTER. THE SUPERVISOR ADDRESSES ANY CONFLICTS. FORM 990, PART VI, SECTION B, LINE 15A THE PROCESS FOR DETERMINING COMPENSATION INCLUDES A REVIEW AND APPROVAL BY THE EXECUTIVE COMMITTEE/BOARD OF DIRECTORS, USE OF COMPARABILITY DATA AND DOCUMENTATION OF THE DECISION REACHED. THE LAST COMPENSATION REVIEW TOOK PLACE APRIL 2024. FORM 990, PART VI, SECTION C, LINE 19 CSWE'S BYLAWS ARE AVAILABLE FROM ITS WEBSITE. CSWE MAKES ITS OTHER GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST. FORM 990, PART XI, LINE 9: ADOPTION OF NEW STANDARD -123,000.