2022-03-28T09:11:02-05:00 2021-06-30 341912961 COHEN & COMPANY LTD OFFICES LISTED AT WWWCOHENCPACOM OH 44115 990 2020-07-01 341011104 UNITED WAY OF GREATER LORAIN COUNTY INC UNIT 4402776530 642 BROADWAY AVENUE LORAIN OH 44052 RYAN ARONEY PRESIDENT & CEO 4402776530 2022-01-19 1 RYAN ARONEY 999009999 CATHLEEN S LORENZ P00063640 8002291099 2022-01-19 2 AAL1 IAL1 2020 2022-09-23 18:48:47Z RYAN ARONEY 642 BROADWAY AVENUE LORAIN OH 44052 4096990 0 X WWW.UWLORAINCOUNTY.ORG X 1967 OH TO LEAD COMMUNITY TRANSFORMATION, CREATING A BETTER LIFE FOR ALL, BY CONNECTING COMMUNITY PARTNERS THROUGH COLLECTIVE IMPACT IN HEALTH, EDUCATION, AND FINANCIAL STABILITY. 15 15 20 383 0 0 2626564 2313461 0 0 125067 198191 35006 49686 2786637 2561338 1396198 1285097 0 0 712740 723309 0 0 251681 602736 563162 2711674 2571568 74963 -10230 5267454 5220996 1542301 1249614 3725153 3971382 X TO LEAD COMMUNITY TRANSFORMATION, CREATING A BETTER LIFE FOR ALL, BY CONNECTING COMMUNITY PARTNERS THROUGH COLLECTIVE IMPACT IN HEALTH, EDUCATION, AND FINANCIAL STABILITY. 0 0 1670979 1285097 COMMUNITY IMPACT - INVOLVES THE PROCESS OF PLANNING, INVESTING AND EVALUATING RESOURCES TO ACHIEVE MEASURABLE AND SUSTAINABLE COMMUNITY CHANGE IN THREE PRIORITY AREAS: EMPOWERING CHILDREN AND YOUTH TO ACHIEVE THEIR FULL POTENTIAL, HELPING WORKING FAMILIES BECOME FINANCIALLY STABLE AND INDEPENDENT, AND CREATING A HEALTHIER COMMUNITY. MORE THAN 150 ORGANIZATIONS HAVE PLEDGED TO WORK COLLECTIVELY ON ACHIEVING THIS HIGH LEVEL OF COMMUNITY IMPACT.UNITED WAY OF GREATER LORAIN COUNTY (UWGLC) PLACES A HIGH PRIORITY ON WORKING WITH SYSTEMS AND PARTNERS TO ENSURE THAT CHILDREN ENTER KINDERGARTEN READY TO LEARN AND THAT EARLY ADOLESCENTS HAVE THE TOOLS AND RESOURCES TO SUCCEED IN HIGH SCHOOL AND BEYOND. UWGLC IS INVESTING IN A VARIETY OF INITIATIVES, INCLUDING AFTERSCHOOL AND SUMMER ACADEMIC AND CULTURAL ENRICHMENT, IN-SCHOOL ACADEMIC SUPPORT, MENTAL HEALTH AND BEHAVIORAL HEALTH SUPPORT, EXERCISE AND NUTRITION IMPROVEMENT, PARENTING EDUCATION AND RESOURCING, AND RISKY BEHAVIOR PREVENTION AND INTERVENTION. MULTI-YEAR FUNDING HAS MADE IT POSSIBLE FOR COLLABORATIVE PARTNERS TO MEASURE BASELINE DATA, PILOT TEST BEST-PRACTICE PROGRAMS WITH SMALL GROUPS, AND IMPLEMENT LARGER-SCALE PROGRAMS WITH PROMISING EARLY RESULTS. FOR EXAMPLE, LITERACY PROGRAMS ARE BRINGING AGE APPROPRIATE BOOKS TO 46% OF ALL CHILDREN 0-5 LIVING IN ELYRIA, LORAIN AND OBERLIN EACH MONTH, AND AN ADDITIONAL 751 LITERACY KITS WERE DELIVERED TO HOMES. 250 STUDENTS WERE ENGAGED IN YOGA4CLASSROOMS AT MIDVIEW; AND 3510 STUDENTS ATTENDED OUT-OF-SCHOOL PROGRAMS IN SOUTH ELYRIA. ADDITIONALLY, 26 PARENTS IN LORAIN LEARNED TECH SKILLS TO SUPPORT IN-HOME SCHOOL EDUCATION. OVER 10,000 YOUTH ARE CURRENTLY PARTICIPATING IN COLLABORATIVE PROGRAMMING.UWGLC PLACES A HIGH PRIORITY ON WORKING WITH SYSTEMS AND PARTNERS TO ENSURE THAT WORKING FAMILIES LIVING IN POVERTY INCREASE THEIR INCOMES, BUILD SAVINGS, AND GAIN ASSETS TO IMPROVE THEIR FINANCIAL STABILITY. UWGLC IS INVESTING IN ACTIVITIES THAT ENSURE THAT FAMILIES SUFFERING A SHORT-TERM FINANCIAL CRISIS AVOID EVICTION, UTILITY TERMINATION, AND JOB LOSS AND ARE ABLE TO BUILD FUTURE RESOURCES. SEVENTH-YEAR COLLABORATIVE FUNDING HAS RESULTED IN THE UCAN PARTNERSHIP ASSISTING 442 HOUSEHOLDS (CLOSE TO 1500 PERSONS) AVOID EVICTION (258 FAMILIES), UTILITY DISCONNECT (241 HOUSEHOLDS), AND JOB LOSS (43 JOBS), WITH A LESS THAN 8% RECIDIVISM RATE. HEALTH CUTS ACROSS THE FINANCIAL STABILITY AND EDUCATION IMPACT AREAS OF THE AGENDA FOR COMMUNITY IMPACT. OUR AGENDA PROMOTES HEALTH AND PRODUCTIVITY THROUGH DIET AND EXERCISE WITH AN EMPHASIS ON REDUCING RISK FACTORS FOR METABOLIC SYNDROME, INCLUDING DIABETES, OBESITY, AND HEART DISEASE. UWGLC IS INVESTING IN ACTIVITIES THAT INCREASE ACCESS TO PHYSICAL ACTIVITY OF ALL TYPES, INCLUDING THE WINTER MONTHS, ENSURE ACCESS TO LOCALLY GROWN HEALTHY FOODS, MAINTAIN HEALTHY WORKPLACES, AND IMPROVE NUTRITION. MULTI-YEAR FUNDING HAS ALLOWED COLLABORATIVE PARTNERS TO MEASURE DATA, CONTINUE TO PILOT TEST BEST-PRACTICE PROGRAMS ON A SMALL SCALE, AND IMPLEMENT LARGER-SCALE INITIATIVES. THIS INCLUDES FRESH AFFORDABLE PRODUCE PICKUPS IN NORTH RIDGEVILLE, WITH 1,017 PRODUCE BAGS THIS YEAR; AND 53 SENIORS AND FAMILIES WITH DISABILITES RAISING, CONSUMING AND SHARING HOME-GROWN RAISED-BED VEGETABLES. ADDITIONALLY, KEY- AND H&S-SPONSORED OUTDOOR WALKING PATHS WERE KEPT CLEAR OF SNOW ALL SEASON FOR THE FIRST TIME, ENABLING RESIDENTS TO WALK OUTDOORS IN PLACE OF INDOOR WALKING EVENTS. PARTNERING WITH OTHER ORGANIZATIONS WITHIN LORAIN COUNTY, UNITED WE SWEAT WAS FORMED IN 2011 TO PROMOTE HEALTHY LIVING IN GREATER LORAIN COUNTY BY RAISING AWARENESS OF AND ACCESS TO FITNESS AND NUTRITION OPTIONS. 1,055 INDIVIDUALS ATTENDED IN-PERSON INITIATIVE-SPONSORED FREE FITNESS EVENTS THIS YEAR. 125014 INFORMATION AND REFERRAL REFERS PEOPLE TO SERVICES AND VOLUNTEER OPPORTUNITIES AT LOCAL AGENCIES THROUGH UNITED WAY'S 2-1-1 FIRST CALL FOR HELP, A CONFIDENTIAL, FREE INFORMATION AND REFERRAL SERVICE. THERE WERE 15,242, CALLS AND 17,032 UNIQUE WEBSITE USERS. 99392 TRANSPORTATION INITIATIVES ACCESS TO RELIABLE AND AFFORDABLE TRANSPORTATION AFFECTS THE HEALTH AND WELLBEING OF PEOPLE IN ALL PARTS OF GREATER LORAIN COUNTY. UNITED WAY INVESTS IN EFFORTS TO LINK RIDERS WITH CRITICALLY NEEDED RIDES, SUCH AS TO MEDICAL AND MENTAL HEALTH APPOINTMENTS, MAXIMIZING THE USE OF LOCALLY-AVAILABLE AND COORDINATED RESOURCES THROUGH MOBILITY MANAGEMENT. THIS PROJECT WILL BE EXPANDED TO INCLUDE TRANSPORTATION TO EMPLOYMENT AND GROCERIES IN THE UPCOMING 12 MONTHS. 494 RIDES TO MEDICAL APPOINTMENTS WERE PROVIDED THROUGH JUNE 30. 84960 FINANCIAL STABILITY FREE TAX COALITION - ARE PROVIDED BY UWGLC WITHIN THE LORAIN COUNTY FREE TAX PREP COALITION. INCOME TAX PREPARATION PARTNERS COORDINATED BY UWGLC COMPLETED 1,284 FEDERAL AND STATE TAX RETURNS, FOR A TOTAL FEDERAL REFUND OF $1,639,135; A TOTAL STATE REFUND OF $165,829; AND A PREPARATION FEE SAVINGS OF $358,236UNITED WAY VOLUNTEER ENGAGEMENT INITIATIVES MATCH INDIVIDUALS AND GROUPS OF PEOPLE TO VOLUNTEER OPPORTUNIES WITHIN THE COMMUNITY AND STRIVES TO INCREASE THE EFFECTIVENESS AND PARTICIPATION OF ALL SEGMENTS OF VOLUNTEER RESOURCES THROUGH RECRUITMENT, TRAINING, EDUCATION AND RECOGNITION. 84960 1980345 1 1 0 0 0 0 0 0 0 1 1 0 0 0 0 1 1 0 0 0 0 0 0 0 1 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 38 0 1 20 1 0 0 0 0 0 1 0 0 0 0 0 X 15 15 0 0 0 0 0 0 0 1 1 0 0 1 1 1 1 1 1 1 1 0 OH X X DIANNE BREHM 4402776530 642 BROADWAY AVENUE LORAIN OH 44052 HALLIE SMITH-PETEE CHAIR 1.00 X X 0 0 0 JR WHITE VICE-CHAIR 1.00 X X 0 0 0 DAWN DAILEY TREASURER 1.00 X X 0 0 0 JADE BLAIR BOARD MEMBER 1.00 X 0 0 0 BRAD CALABRESE BOARD MEMBER 1.00 X 0 0 0 FRANCO GALLO BOARD MEMBER 1.00 X 0 0 0 JOSE GONZALEZ III BOARD MEMBER 1.00 X 0 0 0 MARSALIS HAMMONS BOARD MEMBER 1.00 X 0 0 0 JUDY HOPKINS BOARD MEMBER 1.00 X 0 0 0 STACY KILGORE BOARD MEMBER 1.00 X 0 0 0 WILL NORDLOH BOARD MEMBER 1.00 X 0 0 0 KATHY PAPP BOARD MEMBER 1.00 X 0 0 0 BRAD YURONICH BOARD MEMBER 1.00 X 0 0 0 GARIS DISTELHORST BOARD MEMBER 1.00 X 0 0 0 MARILYN ALEJANDO-RODRIGUEZ BOARD MEMBER 1.00 X 0 0 0 RYAN ARONEY PRESIDENT & CEO 40.00 X 86754 0 10116 DIANNE BREHM CHIEF FINANCIAL OFFICER 40.00 X 83341 0 9980 170095 0 20096 0 0 0 0 0 85026 2228435 2313461 70783 70783 1660156 1532748 127408 127408 127408 21034 2904 18130 18130 ADMINISTRATION FEE INCOME 900099 27532 27532 MISCELLANEOUS INCOME 900099 4024 4024 31556 2561338 31556 0 216321 1285097 1285097 569862 244080 186910 138872 22488 9890 6953 5645 88289 38828 27298 22163 42670 18568 13900 10202 14999 3013 8410 3576 24530 24530 21215 4263 11895 5057 27815 13965 13850 11843 4384 4705 2754 34035 9510 10366 14159 27581 8251 10863 8467 9181 2153 5238 1790 1234 1234 17406 4421 7450 5535 39532 10041 16920 12571 6706 1703 2870 2133 CONTRACT SERVICES 311505 311505 DEVELOPMENT EXPENSES 8078 3171 4907 7502 7502 2571568 1980345 339542 251681 X 107119 92719 190655 125841 862010 704615 8725 7905 733466 210083 558915 523383 3512878 3735100 19976 24485 7176 6948 5267454 5220996 740942 584573 603502 466541 1995 73000 67209 0 128653 125500 1542301 1249614 X 2574539 2905972 1150614 1065410 3725153 3971382 5267454 5220996 -10230 256460 0 X X 0 1 X 1 0 X 2625998 2352687 2502167 2626564 2313461 12420877 2625998 2352687 2502167 2626564 2313461 12420877 189527 12231350 71069 72842 89153 78824 70783 382671 11638 13918 13455 18130 57141 33099 32234 31050 35004 31555 162942 13023631 0.93920 0.92880 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 19976 4509 24485 21655 -1679 19976 21945 -290 21655 21834 111 21945 20253 1581 21834 1.00000 1 0 9100 9100 552166 86287 465879 85174 76271 8903 87026 47525 39501 523383 X 2533537 256460 6400 262860 2270677 24530 266131 290661 2561338 2287307 6400 6400 2280907 24530 266131 290661 2571568 PART V, LINE 4: THE ORGANIZATION INCLUDES THE EARNINGS FROM THE ENDOWMENT FUND IN THEIR GENERAL FUNDS TO BE ALLOCATED TO VARIOUS ORGANIZATIONS. PART X, LINE 2: THE ORGANIZATION RECOGNIZES AND DISCLOSES UNCERTAIN TAX POSITIONS IN ACCORDANCE WITH GAAP. AS OF AND DURING THE YEAR ENDED JUNE 30, 2021, THE ORGANIZATION DID NOT HAVE A LIABILITY FOR UNRECOGNIZED TAX BENEFITS. PART XI, LINE 4B - OTHER ADJUSTMENTS: DESIGNATED CONTRIBUTIONS WHICH ARE NOT SHOWN AS REVENUE ON THE FINANCIAL STATEMENTS 266,131. PART XII, LINE 4B - OTHER ADJUSTMENTS: DESIGNATED CONTRIBUTIONS WHICH ARE NOT SHOWN AS EXPENSES ON THE FINANCIAL STATEMENTS 266,131. SPELLBRATE 4231 4231 96 WEEK AT THE BEE 16803 16803 1920 888 21034 21034 1920 984 2904 18130 1 BLESSING HOUSE 5440 GROVE AVE LORAIN OH 44055 300130029 501(C)(3) 18301 TO SUPPORT GENERAL MISSION OF AGENCY CATHOLIC CHARITIES CORPORATION 7911 DETROIT AVENUE CLEVELAND OH 44102 341318541 501(C)(3) 65876 FINANCIAL STABILITY - EMERGENCY ASSITANCE - BASIC NEEDS COMMUNITY RESOURCE SERVICES 33479 LAKE RD SUITE C AVON LAKE OH 44102 341595037 501(C)(3) 28496 FINANCIAL STABILITY - EMERGENCY ASSITANCE - BASIC NEEDS EL CENTRO DE SERVICIOS 2800 PEARL AVE LORAIN OH 44055 341165756 501(C)(3) 95002 EDUCATION - MIDDLE SCHOOL SUCCESS FRIENDSHIP APL 8303 MURRARY RIDGE RD ELYRIA OH 44035 346529498 501(C)(3) 10974 TO SUPPORT GENERAL MISSION OF AGENCY HM HOUSING DEVELOPMENT 1561 EAST 30TH ST E LORAIN OH 44055 341938397 501(C)(3) 10090 TO SUPPORT GENERAL MISSION OF AGENCY HORIZON EDUCATION CENTER 29511 LORAIN ROAD OLMSTED OH 44070 341267458 501(C)(3) 185008 EDUCATION - KINDERGARTEN READINESS KENDAL AT OBERLIN 23 ERIC NORD WAY OBERLIN OH 44074 341567246 501(C)(3) 17840 EDUCATION - KINDERGARTEN READINESS LEGAL AID SOCIETY OF CLEVELAND 1530 WEST RIVER RD STE 301 ELYRIA OH 44035 340866026 501(C)(3) 17000 FINANCIAL STABILITY - EMERGENCY ASSITANCE - BASIC NEEDS LORAIN COUNTY ALCOHOL & DRUGE ABUSE SERVICES 2115 WEST PARK DRIVE LORAIN LORAIN OH 44053 341341788 501(C)(3) 6627 TO SUPPORT GENERAL MISSION OF AGENCY LORAIN COUNTY GENERAL HEALTH DISTRICT DISTRICT - 9880 SOUTH MURRAY RIDGE RD ELYRIA OH 44035 346001704 501(C)(3) 185006 HEALTH - REDUCING CHRONIC DISEASE LORAIN COUNTY OFFICE ON AGING 320 NORTH GATEWAY BLVD ELYRIA OH 44035 341136543 501(C)(3) 28850 FINANCIAL STABILITY - EMERGENCY ASSITANCE - BASIC NEEDS NEIGHBORHOOD ALLIANCE 457 GRISWOLD ROAD ELYRIA OH 44035 340714471 501(C)(3) 168226 EDUCATION - KINDERGARTEN READINESS NORTH RIDGEVILLE COMMUNITY CARE 34015 CENTER RIDGE RD NORTH RIDGEVILLE OH 44039 341377378 501(C)(3) 48392 FINANCIAL STABILITY - EMERGENCY ASSITANCE - BASIC NEEDS OBERLIN COMMUNITY SERVICE COUNCIL 285 SOUTH PROFESSOR DR OBERLIN OH 44074 340907948 501(C)(3) 61326 FINANCIAL STABILITY - EMERGENCY ASSITANCE - BASIC NEEDS OBERLIN EARLY CHILDHOOD CENTER 317 EAST COLLEGE ST OBERLIN OH 44074 237313925 501(C)(3) 15913 EDUCATION - KINDERGARTEN READINESS SALVATION ARMY ELYRIA 716 WEST BROAD ST ELYRIA OH 44035 135562351 501(C)(3) 49084 FINANCIAL STABILITY - EMERGENCY ASSITANCE - BASIC NEEDS SALVATION ARMY LORAIN 2506 BROADWAY AVE LORAIN OH 44052 135562351 501(C)(3) 74250 FINANCIAL STABILITY - EMERGENCY ASSITANCE - BASIC NEEDS PART I, LINE 2: UNITED WAY OF GREATER LORAIN COUNTY USES THE COLLECTIVE IMPACT MODEL TO IMPACT ONE OR MORE OF OUR FIVE TARGET OUTCOMES, INCLUDING KINDERGARTEN READINESS, MIDDLE SCHOOL SUCCESS, FINANCIAL STABILITY, CHRONIC DISEASE REDUCTION, AND MEETING CRISIS NEEDS. UNITED WAY HAS INVESTED IN A COUNTY-WIDE, ENTERPRISE-LEVEL DATABASE, THE RESULTS-BASED ACCOUNTABILITY FRAMEWORK, AND GUIDES ALL COLLABORATIVES, CONTINUALLY ASSESSING, IDENTIFYING, AND TRACKING BOTH PROGRAM- AND COMMUNITY-LEVEL OUTCOMES. ELIGIBLE COLLABORATIVE LEAD AGENCIES MUST SHOW COMPLIANCE WITH THE PROVISIONS OF THE PATRIOT ACT AND VERIFY THEIR ABILITY TO RECEIVE TAX-DEDUCTIBLE DONATIONS IN ACCORDANCE WITH IRS REGULATIONS. FORM 990, PART VI, SECTION B, LINE 11B THE AUDIT COMMITTEE REVIEWS IN DETAIL THE FORM 990 AND RECOMMENDS TO THE BOARD OF DIRECTORS THAT THE FORM BE FILED WITH THE INTERNAL REVENUE SERVICE. THE COMPLETED FORM 990, IN ITS ENTIRETY, IS GIVEN TO THE BOARD OF DIRECTORS. THE BOARD OF DIRECTORS HAS AN OPPORTUNITY TO ASK ANY QUESTIONS. THE FORM 990 IS THEN APPROVED BY THE ENTIRE BOARD OF DIRECTORS AND IS THEN FILED. FORM 990, PART VI, SECTION B, LINE 12C AN ANNUAL QUESTIONNAIRE IS SENT TO ALL OFFICERS, DIRECTORS AND EMPLOYEES, COLLECTED AND REVIEWED. AT THE BEGINNING OF EACH BOARD MEETING, BOARD MEMBERS ARE ASKED TO DISCLOSE ANY CONFLICTS OF INTEREST THAT MAY ARISE BASED ON THE MEETING AGENDA. IF A TRANSACTION ARISES IN WHICH AN INDIVIDUAL HAS A CONFLICT, THE PERSON IS EXCUSED FROM THE DISCUSSION AND A VOTE BY DISINTERESTED COMMITTEE MEMBERS TAKES PLACE. THE DIRECTORS AND/OR COMMITTEE MEMBERS BASE THEIR DECISION ON ALL THE FACTS AND CIRCUMSTANCES PRESENTED AND CONSIDER WHETHER THE TRANSACTION IS IN THE BEST INTEREST OF THE ORGANIZATION. PROPER RECORDS OF THE BOARD, COMMITTEE, OR SUBCOMMITTEE ARE MAINTAINED TO VERIFY THE CONFLICT OF INTEREST POLICY HAS BEEN FOLLOWED. FORM 990, PART VI, SECTION B, LINE 15 A COMPENSATION STUDY WAS PERFORMED USING AN OUTSIDE INDEPENDENT COMPANY. EACH POSITION WAS STUDIED WITH COMPARABLE DATA SHOWING A RANGE OF SALARIES FOR EACH POSITION. BUDGET WITH SALARY INFORMATION IS THEN APPROVED BY THE FINANCE COMMITTEE. EXECUTIVE COMMITTEE REVIEWS AND APPROVES THE EXECUTIVE DIRECTOR'S SALARY. THE BOARD OF DIRECTORS APPROVES THE ENTIRE BUDGET. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION HAS THE ANNUAL REPORT, AUDIT REPORT, AND FINANCIAL STATEMENTS POSTED ON ITS WEBSITE. FORM 990, PART X, LINE 24 AND FORM 990, PART VIII ON MAY 15, 2020, THE ORGANIZATION QUALIFIED AND RECEIVED A LOAN PURSUANT TO THE PAYCHECK PROTECTION PROGRAM, A PROGRAM IMPLEMENTED BY THE U.S. SMALL BUSINESS ADMINISTRATION (SBA) UNDER THE CORONAVIRUS AID, RELIEF, AND ECONOMIC SECURITY ACT (CARES ACT), FROM NORTHWEST BANK, FOR AN AGGREGATE PRINCIPAL AMOUNT OF $128,653 (THE "PPP LOAN"). IN MAY 2021, FORGIVENESS WAS GRANTED BY THE SBA AND $128,653 WAS RECOGNIZED AS INCOME ON THE ACCOMPANYING STATEMENT OF ACTIVITIES. ON MARCH 15, 2021, THE ORGANIZATION QUALIFIED AND RECEIVED A SECOND LOAN PURSUANT TO THE PAYCHECK PROTECTION PROGRAM, A PROGRAM IMPLEMENTED BY THE SBA UNDER THE CARES ACT, FROM NORTHWEST BANK, FOR AN AGGREGATE PRINCIPAL AMOUNT OF $125,500 (THE "PPP LOAN 2"). THE PPP LOAN 2 BEARS INTEREST AT A FIXED RATE OF 1.0% PER ANNUM, HAS A TERM OF FIVE YEARS, AND IS UNSECURED AND GUARANTEED BY THE SBA. NO PRINCIPAL OR INTEREST PAYMENTS ARE DUE FOR THE FIRST TEN MONTHS FOLLOWING THE DISBURSEMENT DATE OF MARCH 15, 2021. THE ORGANIZATION INTENDS TO APPLY FOR FORGIVENESS OF THE PPP LOAN WITH RESPECT TO THESE COVERED EXPENSES. SUBSEQUENT TO YEAR END, FORGIVENESS WAS GRANTED BY THE SBA FOR THE FULL AMOUNT. FORM 990, PART XII, LINE 2C: THIS PROCESS HAS NOT CHANGED SINCE THE PRIOR YEAR