2025-11-06T02:01:42-06:00 2024-12-31 132781641 MITCHELL & TITUS LLP 80 PINE STREET NEW YORK NY 10005 990 2024-01-01 205189202 OPPORTUNITY FINANCE NETWORK OPPO 2153204317 123 S BROAD STREET SUITE 1930 PHILADELPHIA PA 19109 KEVIN FRYATT EVP, CHIEF FINANCIAL OFFICER 2153204317 2025-11-06 1 0 ANTHONY KENDALL P02369979 2157654600 2025-10-31 2024 2025-03-06 01:10:19Z KEVIN FRYATT 123 S BROAD STREET SUITE 1930 PHILADELPHIA PA 19109 2332707054 0 X WWW.OFN.ORG X 2006 PA OPPORTUNITY FINANCE NETWORK'S (OFN) MISSION IS TO LEAD COMMUNITY DEVELOPMENT FINANCIAL INSTITUTIONS (CDFIS) AND THEIR PARTNERS TO ENSURE THAT LOW-INCOME, LOW-WEALTH, AND OTHER DISINVESTED PEOPLE AND COMMUNITIES HAVE ACCESS TO AFFORDABLE, RESPONSIBLE FINANCIAL PRODUCTS AND SERVICES. OFN IS A NATIONAL LEADERSHIP NETWORK OF MORE THAN 450+CDFIS, INCLUDING COMMUNITY BANKS, CREDIT UNIONS, AND LOAN FUNDS. OFN, THROUGH ITS MEMBERS, INVESTS IN LOW-INCOME AND UNDERSERVED RURAL, URBAN, AND NATIVE AMERICAN COMMUNITIES ACROSS ALL 50 STATES IN AMERICA; PROVIDING AFFORDABLE, RESPONSIBLE CREDIT THAT FINANCES COMMUNITY BUSINESSES, SPARKS JOB GROWTH IN THE AREAS THAT NEED IT MOST, AND DELIVERING BOTH SOUND FINANCIAL RETURNS AND REAL CHANGES FOR PEOPLE AND COMMUNITIES. OFN'S PROGRAM SERVICE OFFERINGS INCLUDE PROVIDING FINANCIAL PRODUCTS AND SERVICES FOR CDFIS, INCREASING THE STRENGTH AND CAPACITY OF THE CDFI INDUSTRY, AND AMPLIFYING THE VOICE OF THE INDUSTRY. 12 12 85 12 0 0 7042460 2301598149 12841534 27588449 3173095 4598691 1914230 0 24971319 2333785289 15225000 14800000 0 0 7153891 10302658 0 0 661098 8854370 15852993 31233261 40955651 -6261942 2292829638 313600163 2624374128 180110817 198614523 133489346 2425759605 X OFN'S MISSION IS TO LEAD CDFIS AND THEIR PARTNERS TO ENSURE THAT LOW-INCOME, LOW-WEALTH, AND OTHER UNDERSERVED PEOPLE AND COMMUNITIES HAVE ACCESS TO AFFORDABLE, RESPONSIBLE FINANCIAL PRODUCTS AND SERVICES. 0 0 21099647 14800000 10282103 MONEY: EXPANDING ACCESS TO RESPONSIBLE, AFFORDABLE CAPITALTHE MONEY ASPECT OF OFN'S WORK INCLUDES THE FOLLOWING ACTIVITIES WHICH BENEFIT LOW-INCOME AND LOW-WEALTH COMMUNITIES THROUGHOUT THE U.S: OFN'S FINANCING FUND (ON-BALANCE-SHEET LENDING AND INVESTING IN CDFIS); FUND MANAGEMENT SERVICES (FEE-BASED BUSINESS PROVIDING CDFI FUND MANAGEMENT AND ASSET MANAGEMENT SERVICES TO THIRD PARTY INVESTORS); AND CDFI BOND GUARANTEE PROGRAM BOND ISSUANCE AND ADMINISTRATIVE SERVICES. 8304926 0 5113764 STRENGTH: BUILDING POTENTIAL FOR IMPACTOFN STRENGTHENS THE CDFI INDUSTRY BY PROVIDING PEER LEARNING OPPORTUNITIES, RESEARCH, NETWORKING PLATFORMS, AND SIGNATURE ANNUAL EVENTS (E.G. THE OFN CONFERENCE AND SMALL BUSINESS FINANCE FORUM) FOR CDFI PRACTITIONERS, PARTNERS, AND INVESTORS. 2623488 0 750 VOICE: AMPLIFYING THE CDFI MESSAGE AND SECURING STAKEHOLDER SUPPORTACROSS MULTIPLE PLATFORMS AND AUDIENCES, OFN'S STRATEGIC COMMUNICATIONS AND POLICY ADVOCACY DRIVE THE MESSAGE THAT CDFI INVESTMENTS TRANSFORM COMMUNITIES AND CHANGE LIVES AND INCREASES RESOURCES TO CDFIS. 3016552 12191831 OTHER 3016552 12191831 35044613 1 1 0 1 0 0 0 0 0 0 1 0 0 0 1 1 0 1 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 1 1 0 0 0 1 47 0 1 85 1 0 0 0 0 0 0 0 0 0 0 X 12 12 0 0 0 0 1 1 1 1 1 0 0 1 1 1 1 1 1 1 1 0 PA AK AL AR AZ CA CO CT DC FL GA HI IL KS KY MA MD ME MI MS MN MO NC ND NJ NH NM NV NY OH OK OR RI SC TN UT VA WA WI WV X KEVIN FRYATT 2153204317 123 S BROAD STREET SUITE 1930 PHILADELPHIA PA 19109 DONNA GAMBRELL BOARD CHAIR UNTIL 12/24 2.00 0.00 X X 0 0 0 BETSY BIEMANN BOARD VICE CHAIR UNTIL 10/24 2.00 0.00 X X 0 0 0 ROBERT VILLARREAL BOARD TREASURER UNTIL 10/24 2.00 0.00 X X 0 0 0 DAVID BECK BOARD MEMBER UNTIL 10/24 2.00 0.00 X X 0 0 0 AISHA BENSON BOARD MEMBER 2.00 0.00 X 0 0 0 MARLA BILONICK BOARD MEMBER UNTIL 10/24 2.00 0.00 X 0 0 0 MARTINA EDWARDS BOARD MEMBER 2.00 0.00 X 0 0 0 ELENA GONZALES BOARD MEMBER UNTIL 10/24 2.00 0.00 X 0 0 0 HENRY JIMENEZ BOARD VICE CHAIR SINCE 10/24 2.00 0.00 X X 0 0 0 TED PICCOLO BOARD MEMBER 2.00 0.00 X 0 0 0 SARA RAZAVI BOARD MEMBER 2.00 0.00 X 0 0 0 CHRISTINA TRAVERS BOARD TREASURER SINCE 10/24 2.00 0.00 X 0 0 0 HAROLD PETTIGREW PRESIDENT & CEO 40.00 0.00 X X 468873 0 11785 SKYA DUCHENEAUX BOARD MEMBER SINCE 10/24 2.00 0.00 X 0 0 0 JOHN HOLDSCLAW IV BOARD MEMBER SINCE 10/24 2.00 0.00 X 0 0 0 ARIEL MEYERSTEIN BOARD MEMBER SINCE 6/24 2.00 0.00 X 0 0 0 NELLY ROJAS-MORENO BOARD MEMBER SINCE 10/24 2.00 0.00 X 0 0 0 ARLO WASHINGTON BOARD MEMBER SINCE 10/24 2.00 0.00 X 0 0 0 AMBER KUCHAR BELL EVP, CHIEF STRATEGY & OPER 40.00 0.00 X 347075 0 34397 SHAKEYDA DANIELS SVP, FINANCIAL SERVI 40.00 0.00 X 209682 0 17602 DAFINA WILLIAMS EVP, CHIEF EXTERNAL AFFAIR 40.00 0.00 X 267468 0 24020 MARY WRIGHT SVP, FINANCIAL SERVI 40.00 0.00 X 229978 0 9733 KEVIN FRYATT SINCE 624 EVP, CHIEF OPERATING OFFICER 40.00 0.00 X 153852 0 9129 BRENDON MILLER SINCE 124 EVP, CHIEF OF STAFF & HEAD OF COMMUNICATIONS 40.00 0.00 X 277266 0 767 SETH JULYAN EVP, CHIEF NETWORK OFFICER 40.00 0.00 X 269260 0 30100 JESSEL AMIN SINCE 624 EVP, CHIEF INVESTMENT OFFICER 40.00 0.00 X 175459 0 9075 ADRIENNE SMITH SVP, RESEARCH 40.00 0.00 X 185734 0 7942 LISA CHENSVOLD SVP, STRATEGIC COMMU 40.00 0.00 X 191766 0 18907 TAMARA FRYE SVP, HUMAN RESOURCES 40.00 0.00 X 200693 0 18549 SINDHU LAKSHMANAN SVP, DEVELOPMENT SER 40.00 0.00 X 175031 0 13758 MARY SCOTT BALYS VP, PUBLIC POLICY 40.00 0.00 X 160407 0 6955 BETH LIPSON UNTIL 324 EVP, CHIEF FINANCIAL OFFIC 40.00 0.00 X 230540 0 9305 BHUMIP PATEL UNTIL 1024 SVP, ACCOUNTING & FI 40.00 0.00 X 203976 0 8484 3747060 0 230508 30 1 1 0 CIVIC INITIATIVES LLC 700 NORTH MOPAC EXPY AUSTIN TX 78731 PROCUREMENT & COMPLIANCE 544773 ALL AROUND CREATIVE 105 ATSION ROAD SUITE J MEDFORD NJ 08055 MARKETING SERVICES 307376 FORSYTH STREET ADVISORS LLC 588 BROADWAY SUITE 1208 NEW YORK NY 10012 ADVISORY SERVICES 247776 ZRG PARTNERS LLC 69 MILK STREET WESTBOROUGH MA 01581 EXECUTIVE RECRUITING SERVICES 190770 JENNER & BLOCK 353 N CLARK STREET CHICAGO IL 60654 LEGAL SERVICES 163163 10 1048741 2290718258 9831150 2301598149 PROGRAM INCOME 900099 12202995 12202995 INTEREST ON LOANS 525990 6666864 6666864 OTHER FEES 900099 3659487 3659487 TRAINING EVENTS 900099 2907853 2907853 SPONSORSHIP INCOME 900099 2151250 2151250 27588449 3520456 3520456 -1078235 1078235 1078235 1078235 2333785289 27588449 0 4598691 14800000 14800000 2384750 1602061 690044 92645 6521636 4523423 1685406 312807 758874 516032 197573 45269 637398 454629 148904 33865 194297 194297 446456 398456 31512 16488 161071 108815 44514 7742 3607370 2811807 795563 864364 605333 219028 40003 1564221 821557 730175 12489 750216 503732 210643 35841 3966815 3659293 276974 30548 905289 886547 16627 2115 2316483 2316483 157836 104114 46314 7408 102903 68242 29806 4855 EQUIPMENT & FURNITURE 243869 153738 79192 10939 MEMBERSHIP 210069 203708 3948 2413 MISC EXPENSES 188184 173660 12001 2523 MERCHANT FEES 94441 94441 0 0 79109 44245 31716 3148 40955651 35044613 5249940 661098 1 31484326 2327601308 750000 1100201 9395315 214498137 231701164 380703 424453 2246928 1662504 742260 584424 46032426 35127114 19362110 18790349 313600163 2624374128 2595783 3906660 80895 1010967 150120000 167120000 27314139 26576896 180110817 198614523 X 106548735 110600601 26940611 2315159004 133489346 2425759605 313600163 2624374128 X 2292829638 82402 252 -642033 X 0 1 X 1 1 1 X 21794850 21745924 23110366 7042460 11598149 85291749 8745438 8858742 11902140 12841534 27588449 69936303 30540288 30604666 35012506 19883994 39186598 155228052 17356230 17045636 17065000 645559 400000 52512425 0 17356230 17045636 17065000 645559 400000 52512425 102715627 128669 137904 1039153 4067079 3520456 8893261 128669 137904 1039153 4067079 3520456 8893261 1914230 1914230 30668957 30742570 36051659 25865303 42707054 166035543 0.61860 0.56600 0.05360 0.03920 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 2200 34206 36406 40919244 40955650 1000000 250000 0 0 1000000 1000000 1000000 1000000 4000000 6000000 15632 40383 51217 36406 143638 250000 250000 250000 250000 1000000 1500000 2800 2000 3300 2200 10300 SCHEDULE C, PART IV OFN CONDUCTS PERMITTED LOBBYING ACTIVITIES AND WORKED IN THE FOLLOWING PRIMARY AREAS IN 2024: FINANCIAL SERVICES, SMALL BUSINESS, HOUSING, CDFI FUND, AND NEW MARKETS TAX CREDIT, NEIGHBORHOOD HOMES INVESTMENT ACT, LOW INCOME HOUSING TAX CREDIT, COMMUNITY DEVELOPMENT INVESTMENT TAX CREDIT. 799372 373657 425715 1004382 969076 35306 443174 319771 123403 584424 LOANS PAYABLE 21416667 FUNDS HELD FOR THIRD PARTY 1367500 OPERATING LEASE LIABILITY 3792729 26576896 X PART X, LINE 2: INCOME TAXES: THE ORGANIZATION IS GENERALLY EXEMPT FROM FEDERAL INCOME TAXES UNDER THE PROVISIONS OF SECTION 501(C)(3) OF THE INTERNAL REVENUE CODE. IN ADDITION, THE ORGANIZATION QUALIFIES FOR CHARITABLE CONTRIBUTION DEDUCTIONS AND HAS BEEN CLASSIFIED AS AN ORGANIZATION THAT IS NOT A PRIVATE FOUNDATION. INCOME WHICH IS NOT RELATED TO EXEMPT PURPOSES, LESS APPLICABLE DEDUCTIONS, IS SUBJECT TO FEDERAL AND STATE CORPORATE INCOME TAXES. THE ORGANIZATION HAD NO SIGNIFICANT NET UNRELATED BUSINESS INCOME FOR THE YEARS ENDED DECEMBER 31, 2024 AND 2023. MANAGEMENT EVALUATED THE ORGANIZATION'S TAX POSITIONS AND CONCLUDED THAT THE ORGANIZATION HAD TAKEN NO UNCERTAIN TAX POSITIONS THAT REQUIRE ADJUSTMENT OF THE FINANCIAL STATEMENTS. CONSEQUENTLY, NO ACCRUAL FOR INTEREST AND PENALTIES WAS DEEMED NECESSARY FOR THE YEARS ENDED DECEMBER 31, 2024 AND 2023. THE ORGANIZATION FILES TAX RETURNS IN THE U.S. FEDERAL AND STATE JURISDICTIONS. GENERALLY, THE ORGANIZATION IS NO LONGER SUBJECT TO TAX EXAMINATION BY THE U.S. FEDERAL OR STATE TAX AUTHORITIES FOR YEARS BEFORE 2019. 1 ACCESSITY 404 EUCLID AVENUE SUITE 271 SAN DIEGO CA 92114 330620415 501C3 500000 0 OPERATING GRANT ACCOMPANY CAPITAL 120 BROADWAY SUITE 230 NEW YORK NY 10271 810584343 501C3 250000 0 OPERATING GRANT ALBANY COMMUNITY TOGETHER INC 230 SOUTH JACKSON STREET SUITE 333 ALBANY GA 31701 582497789 501C3 250000 0 OPERATING GRANT ALLIES FOR COMMUNITY BUSINESS 135 NORTH KEDZIE AVENUE CHICAGO IL 60612 363966573 501C3 250000 0 OPERATING GRANT ALTCAP 3200 WAYNE AVENUE KANSAS CITY MO 64109 412182277 501C4 250000 0 OPERATING GRANT BLACK BUSINESS INVESTMENT FUND 301 EAST PINE STREET SUITE 175 ORLANDO FL 32801 592861155 501C4 250000 0 OPERATING GRANT CALIFORNIA FARMLINK 335 SPRECKELS DRIVE SUITE F APTOS CA 95003 943332630 501C3 250000 0 OPERATING GRANT CATALYTIC DEVELOPMENT FUND CORP OF NORTHERN KENTUCKY 50 EAST RIVER CENTER BOULEVARD SUITE 260 COVINGTON KY 41011 263389252 501C3 300000 0 OPERATING GRANT CENTER FOR RURAL AFFAIRS COMMUNITY CAPITAL 145 MAIN STREET LYONS NE 68038 470553823 501C3 200000 0 OPERATING GRANT CIVIC COMMUNITY PARTNERS 8989 RIO SAN DIEGO DRIVE SUITE 100 SAN DIEGO CA 92108 460660465 501C3 250000 0 OPERATING GRANT CLEARINGHOUSE CDFI 23861 EL TORO ROAD SUITE 700 LAKE FOREST CA 92630 330735318 NOT A 501 (C) (3) 7 100000 0 OPERATING GRANT COMMUNITY CAPITAL NEW YORK INC 44 EXECUTIVE BOULEVARD SUITE 203 ELMSFORD NY 10523 133544227 501C3 250000 0 OPERATING GRANT COMMUNITY FUND OF NORTH MIAMI DADE 490 OPA-LOCKA BOULEVARD SUITE 20 OPALOCKA FL 33054 592106635 501C3 250000 0 OPERATING GRANT COMMUNITY HEALTH CENTER CAPITAL FUND 40 COURT STREET 10TH FLOOR BOSTON MA 02018 043122535 501C3 250000 0 OPERATING GRANT COOK INLET LENDING CENTER INC 3600 SPENARD ROAD SUITE 100 ANCHORAGE AK 99503 920177969 501C3 500000 0 OPERATING GRANT CO-OP FUND OF THE NORTHEAST PO BOX 970 WATERTOWN MA 02471 030264092 501C3 400000 0 OPERATING GRANT FOUR BANDS COMMUNITY FUND INC 412 SOUTH MAIN STREET EAGLE BUTTE SD 57625 460456528 501C3 300000 0 OPERATING GRANT GREATER NEWARK ENTERPRISES CORPORATION 211 WARREN STREET SUITE 423 NEWARK NJ 07310 202247312 501C3 200000 0 OPERATING GRANT HARLEM ENTREPRENEURIAL FUND LLC 361 WEST 125TH STREET NEW YORK NY 10027 261393970 501C3 250000 0 OPERATING GRANT HOUSING ASSISTANCE COUNCIL 1828 L STREET SUITE 205 WASHINGTON DC 20026 520939288 501C3 200000 0 OPERATING GRANT ILLINOIS FACILITIES FUND 333 SOUTH WABASH AVENUE SUITE 2800 CHICAGO IL 60604 363656836 501C3 100000 0 OPERATING GRANT IMPACT LOAN FUND INC 1952 EAST ALLEGHENY AVENUE PHILADELPHIA PA 19134 233032463 501C3 300000 0 OPERATING GRANT JUST COMMUNITY INC PO BOX 153188 AUSTIN TX 78715 811447315 501C3 350000 0 OPERATING GRANT JUSTINE PETERSEN HOUSING & REINVESTMENT CORP 1023 NORTH GRAND BOULEVARD SAINT LOUIS MO 63106 431769074 501C3 250000 0 OPERATING GRANT KENTUCKY HIGHLANDS INVESTMENT CORP 362 OLD WHITLEY ROAD LONDON KY 40744 610673339 501C3 200000 0 OPERATING GRANT LA FUERZA UNIDA COMMUNITY DEVELOPMENT CORP 53 NORTH PARK AVENUE SUITE 45 ROCKVILLE CENTRE NY 11570 113613094 501C3 400000 0 OPERATING GRANT LATINO ECONOMIC DEVELOPMENT CENTER 804 MARGARET STREET SAINT PAUL MN 55106 521749216 501C3 300000 0 OPERATING GRANT LIFTFUND INC 2014 HACKBERRY STREET SAN ANTONIO TX 78207 742712770 501C3 200000 0 OPERATING GRANT MAINSTREAM FINANCE 262 HARLOW STREET BANGOR ME 04401 010539222 501C3 150000 0 OPERATING GRANT MISSION ECONOMIC DEVELOPMENT AGENCY 2301 MISSION STREET SUITE 301 SAN FRANCISCO CA 94110 510187791 501C3 300000 0 OPERATING GRANT NEIGHBORHOOD COMMUNITY DEVELOPMENT FUND 922 MIDDLE STREET PITTSBURGH PA 15212 251855490 501C3 100000 0 OPERATING GRANT NEIGHBORHOOD DEVELOPMENT CENTER INC 625 UNIVERSITY AVENUE W SAINT PAUL MN 55104 411738791 501C3 500000 0 OPERATING GRANT NONPROFIT FINANCE FUND 5 HANOVER SQUARE 9TH FLOOR NEW YORK NY 10004 133238657 501C3 200000 0 OPERATING GRANT NORTHERN GREAT LAKES INITIATIVES 101 W WASHINGTON STREET SUITE 9 MARQUETTE MI 49855 383024786 501C3 250000 0 OPERATING GRANT ONE ROOF COMMUNITY HOUSING 12 EAST 4TH STREET DULUTH MN 55805 411678328 501C3 300000 0 OPERATING GRANT PACIFIC NORTHWEST TRIBAL LENDING 12 BELLWETHER WAY SUITE 224 BELLINGHAM WA 98225 371525217 501C3 400000 0 OPERATING GRANT PATHSTONE ENTERPRISE CENTER 400 EAST AVENUE ROCHESTER NY 14607 161534956 501C3 400000 0 OPERATING GRANT PROPEL NONPROFITS 1 SOUTHEAST MAIN STREET SUITE 600 MINNEAPOLIS MN 55414 411916373 501C3 300000 0 OPERATING GRANT REDF IMPACT INVESTING FUND 101A CLAY STREET 103 SAN FRANCISCO CA 94111 842301234 501C3 200000 0 OPERATING GRANT RURAL COMMUNITY ASSISTANCE CORPORATION 3120 FREEBOARD DRIVE SUITE 201 WEST SACRAMENTO CA 95691 942512284 501C3 50000 0 OPERATING GRANT SHARED CAPITAL COOPERATIVE 2388 UNIVERSITY AVENUE WEST SUITE 300 SAINT PAUL MN 55114 411621896 NOT A 501 (C) (3) 7 300000 0 OPERATING GRANT SPRUCE ROOT INC ONE SEALASKA PLAZA SUITE 400 JUNEAU AK 99801 454295940 501C3 500000 0 OPERATING GRANT THE CAPITAL GOOD FUND 333 SMITH STREET PROVIDENCE RI 02908 800348382 501C3 250000 0 OPERATING GRANT THE GENESIS FUND 22 LINCOLN STREET BRUNSWICK ME 04011 010461436 501C3 250000 0 OPERATING GRANT THE WORKING WORLD INC 228 PARK AVENUE SOUTH SUITE 65768 NEW YORK NY 10003 202264584 501C3 250000 0 OPERATING GRANT TMC COMMUNITY CAPITAL 1720 BROADWAY 3RD FLOOR OAKLAND CA 96612 855204018 501C3 250000 0 OPERATING GRANT TRUFUND FINANCIAL SERVICES INC 39 WEST 37TH STREET 7TH FLOOR NEW YORK NY 10018 593814814 501C3 250000 0 OPERATING GRANT VIRGINIA COMMUNITY DEVELOPMENT FUND INC 1840 WEST BROAD STREET SUITE 200 RICHMOND VA 23220 541914519 501C3 300000 0 OPERATING GRANT VITAL HEALTHCARE CAPITAL 85 BROAD STREET 18TH FLOOR NEW YORK NY 10004 454014553 501C3 250000 0 OPERATING GRANT WHITE EARTH INVESTMENT INITIATIVE 119 GRAYSTONE PLAZA SUITE 100 DETROIT LAKES MN 56501 010732253 501C3 500000 0 OPERATING GRANT WISCONSIN NATIVE LOAN FUND INC 705 PEACE PIPE ROAD LAC DU FLAMBEAU WI 54538 432116172 501C3 400000 0 OPERATING GRANT WISCONSIN WOMEN'S BUSINESS INITIATIVE CORP 1533 NORTH RIVER CENTER DRIVE MILWAUKEE WI 53212 391597954 501C3 250000 0 OPERATING GRANT WORKING SOLUTIONS CDFI 930 MONTGOMERY STREET SUITE 400 SAN FRANCISCO CA 94133 911951777 501C3 350000 0 OPERATING GRANT PART I, LINE 2: OFN MAKES PASS-THROUGH GRANTS TO MEMBER CDFIS FOR CERTAIN OPERATIONAL AND PROGRAMMATIC PURPOSES. OFN ALSO MAKES CERTAIN PASS-THROUGH GRANTS TO CDFIS IN CONJUNCTION WITH ITS INVESTMENTS IN CDFIS, SUPPORTING CDFIS WORK IN LOW-INCOME AND OTHER DISINVESTED COMMUNITIES. X X 0 0 0 0 0 0 0 1 0 HAROLD PETTIGREW PRESIDENT & CEO 408873 0 60000 0 0 0 11372 0 413 0 480658 0 0 0 AMBER KUCHAR BELL EVP, CHIEF STRATEGY & OPER 258519 0 88556 0 0 0 14434 0 19963 0 381472 0 0 0 SETH JULYAN EVP, CHIEF NETWORK OFFICER 252760 0 16500 0 0 0 11030 0 19070 0 299360 0 0 0 DAFINA WILLIAMS EVP, CHIEF EXTERNAL AFFAIR 255968 0 11500 0 0 0 10830 0 13190 0 291488 0 0 0 BRENDON MILLER SINCE 124 EVP, CHIEF OF STAFF & HEAD OF COMMUN 265766 0 11500 0 0 0 0 0 767 0 278033 0 0 0 BETH LIPSON UNTIL 324 EVP, CHIEF FINANCIAL OFFIC 229540 0 1000 0 0 0 9202 0 103 0 239845 0 0 0 MARY WRIGHT SVP, FINANCIAL SERVI 202478 0 27500 0 0 0 9320 0 413 0 239711 0 0 0 SHAKEYDA DANIELS SVP, FINANCIAL SERVI 181682 0 28000 0 0 0 8518 0 9084 0 227284 0 0 0 TAMARA FRYE SVP, HUMAN RESOURCES 190193 0 10500 0 0 0 8249 0 10300 0 219242 0 0 0 BHUMIP PATEL UNTIL 1024 SVP, ACCOUNTING & FI 203976 0 0 0 0 0 8140 0 344 0 212460 0 0 0 LISA CHENSVOLD SVP, STRATEGIC COMMU 178766 0 13000 0 0 0 7793 0 11114 0 210673 0 0 0 ADRIENNE SMITH SVP, RESEARCH 172734 0 13000 0 0 0 7529 0 413 0 193676 0 0 0 SINDHU LAKSHMANAN SVP, DEVELOPMENT SER 159531 0 15500 0 0 0 7154 0 6604 0 188789 0 0 0 JESSEL AMIN SINCE 624 EVP, CHIEF INVESTMENT OFFICER 163959 0 11500 0 0 0 0 0 9075 0 184534 0 0 0 MARY SCOTT BALYS VP, PUBLIC POLICY 151407 0 9000 0 0 0 6584 0 371 0 167362 0 0 0 KEVIN FRYATT SINCE 624 EVP, CHIEF OPERATING OFFICER 142352 0 11500 0 0 0 0 0 9129 0 162981 0 0 0 PART I, LINE 7 THE ORGANIZATION PROVIDED INCENTIVE BONUSES TO SELECT HIGHLY COMPENSATED EMPLOYEES RELATED TO PERFORMANCE. THE CEO RECEIVED A BONUS IN AGREEMENT WITH THEIR EMPLOYMENT CONTRACT. FORM 990, PART VI, SECTION A, LINE 6 PER OFN'S BYLAWS, THERE IS ONE CLASS OF MEMBERSHIP AVAILABLE TO PRIVATE, NON-GOVERNMENTAL, MISSION-DRIVEN FINANCIAL INSTITUTIONS THAT MEET THE QUALIFICATIONS FOR MEMBERSHIP. EACH MEMBER IS ENTITLED TO BE REPRESENTED AT ANY MEETING OF THE MEMBERS BY UP TO TWO DELEGATES, WHO SHALL BE EITHER AN EMPLOYEE OF OR A BOARD MEMBER OF THE MEMBER. THE PRESENCE IN PERSON OF DELEGATES REPRESENTING AT LEAST ONE-THIRD OF THE MEMBERS CONSTITUTES A QUORUM FOR THE TRANSACTION OF BUSINESS. WHEN A QUORUM IS PRESENT AT ANY MEETING, THE MAJORITY OF THE VOTES PRESENT DECIDES ANY QUESTION BROUGHT BEFORE THE MEETING. EACH MEMBER IS ENTITLED TO ONE VOTE ON EACH MATTER SUBMITTED TO A VOTE OF THE MEMBERS. ALL VOTING, EXCEPT ELECTIONS FOR DIRECTORS WHICH IS BY WRITTEN OR PROXY BALLOT, MAY BE BY VOICE VOTE OR BALLOT. AT LEAST TWO-THIRDS OF THE DIRECTORS ARE ELECTED BY THE MEMBERS. UP TO ONE-THIRD OF THE DIRECTORS ARE APPOINTED BY THE BOARD OF DIRECTORS. NOMINATIONS FOR CANDIDATES FOR DIRECTOR ARE MADE BY A WRITTEN NOTICE TO THE NOMINATING COMMITTEE AND MUST BE ENDORSED BY NOT LESS THAN TWO (2) MEMBERS AND DELIVERED AT LEAST SIXTY (60) DAYS BEFORE THE ELECTION. ALL NOMINATIONS SO MADE BY MEMBERS ARE PRESENTED TO THE MEMBERSHIP FOR CONSIDERATION. NEW BYLAWS MAY BE ADOPTED, OR THE EXISTING BYLAWS MAY BE AMENDED OR REPEALED, BY THE AFFIRMATIVE VOTE OF A MAJORITY OF THE VOTES REPRESENTED. VOTING OCCURS BY PROXY OR IN PERSON AT A DULY HELD MEETING OF MEMBERS AT WHICH A QUORUM IS PRESENT. FORM 990, PART VI, SECTION A, LINE 7A PER OFN'S BYLAWS, THERE IS ONE CLASS OF MEMBERSHIP AVAILABLE TO PRIVATE, NON-GOVERNMENTAL, MISSION-DRIVEN FINANCIAL INSTITUTIONS THAT MEET THE QUALIFICATIONS FOR MEMBERSHIP. EACH MEMBER IS ENTITLED TO BE REPRESENTED AT ANY MEETING OF THE MEMBERS BY UP TO TWO DELEGATES, WHO SHALL BE EITHER AN EMPLOYEE OF OR A BOARD MEMBER OF THE MEMBER. THE PRESENCE IN PERSON OF DELEGATES REPRESENTING AT LEAST ONE-THIRD OF THE MEMBERS CONSTITUTES A QUORUM FOR THE TRANSACTION OF BUSINESS. WHEN A QUORUM IS PRESENT AT ANY MEETING, THE MAJORITY OF THE VOTES PRESENT DECIDES ANY QUESTION BROUGHT BEFORE THE MEETING. EACH MEMBER IS ENTITLED TO ONE VOTE ON EACH MATTER SUBMITTED TO A VOTE OF THE MEMBERS. ALL VOTING, EXCEPT ELECTIONS FOR DIRECTORS WHICH IS BY WRITTEN OR PROXY BALLOT, MAY BE BY VOICE VOTE OR BALLOT. AT LEAST TWO-THIRDS OF THE DIRECTORS ARE ELECTED BY THE MEMBERS. UP TO ONE-THIRD OF THE DIRECTORS ARE APPOINTED BY THE BOARD OF DIRECTORS. NOMINATIONS FOR CANDIDATES FOR DIRECTOR ARE MADE BY A WRITTEN NOTICE TO THE NOMINATING COMMITTEE AND MUST BE ENDORSED BY NOT LESS THAN TWO (2) MEMBERS AND DELIVERED AT LEAST SIXTY (60) DAYS BEFORE THE ELECTION. ALL NOMINATIONS SO MADE BY MEMBERS ARE PRESENTED TO THE MEMBERSHIP FOR CONSIDERATION. NEW BYLAWS MAY BE ADOPTED, OR THE EXISTING BYLAWS MAY BE AMENDED OR REPEALED, BY THE AFFIRMATIVE VOTE OF A MAJORITY OF THE VOTES REPRESENTED. VOTING OCCURS BY PROXY OR IN PERSON AT A DULY HELD MEETING OF MEMBERS AT WHICH A QUORUM IS PRESENT. FORM 990, PART VI, SECTION A, LINE 7B PER OFN'S BYLAWS, THERE IS ONE CLASS OF MEMBERSHIP AVAILABLE TO PRIVATE, NON-GOVERNMENTAL, MISSION-DRIVEN FINANCIAL INSTITUTIONS THAT MEET THE QUALIFICATIONS FOR MEMBERSHIP. EACH MEMBER IS ENTITLED TO BE REPRESENTED AT ANY MEETING OF THE MEMBERS BY UP TO TWO DELEGATES, WHO SHALL BE EITHER AN EMPLOYEE OF OR A BOARD MEMBER OF THE MEMBER. THE PRESENCE IN PERSON OF DELEGATES REPRESENTING AT LEAST ONE-THIRD OF THE MEMBERS CONSTITUTES A QUORUM FOR THE TRANSACTION OF BUSINESS. WHEN A QUORUM IS PRESENT AT ANY MEETING, THE MAJORITY OF THE VOTES PRESENT DECIDES ANY QUESTION BROUGHT BEFORE THE MEETING. EACH MEMBER IS ENTITLED TO ONE VOTE ON EACH MATTER SUBMITTED TO A VOTE OF THE MEMBERS. ALL VOTING, EXCEPT ELECTIONS FOR DIRECTORS WHICH IS BY WRITTEN OR PROXY BALLOT, MAY BE BY VOICE VOTE OR BALLOT. AT LEAST TWO-THIRDS OF THE DIRECTORS ARE ELECTED BY THE MEMBERS. UP TO ONE-THIRD OF THE DIRECTORS ARE APPOINTED BY THE BOARD OF DIRECTORS. NOMINATIONS FOR CANDIDATES FOR DIRECTOR ARE MADE BY A WRITTEN NOTICE TO THE NOMINATING COMMITTEE AND MUST BE ENDORSED BY NOT LESS THAN TWO (2) MEMBERS AND DELIVERED AT LEAST SIXTY (60) DAYS BEFORE THE ELECTION. ALL NOMINATIONS SO MADE BY MEMBERS ARE PRESENTED TO THE MEMBERSHIP FOR CONSIDERATION. NEW BYLAWS MAY BE ADOPTED, OR THE EXISTING BYLAWS MAY BE AMENDED OR REPEALED, BY THE AFFIRMATIVE VOTE OF A MAJORITY OF THE VOTES REPRESENTED. VOTING OCCURS BY PROXY OR IN PERSON AT A DULY HELD MEETING OF MEMBERS AT WHICH A QUORUM IS PRESENT. FORM 990, PART VI, SECTION B, LINE 11B PRIOR TO FILING THE FORM 990, THE SVP, FINANCE AND THE VP, ACCOUNTING REVIEW THE FORM FOR ACCURACY AND THEN FORWARD IT TO THE EVP, CHIEF FINANCIAL OFFICER AND PRESIDENT & CEO FOR REVIEW. IN ADDITION, THE ORGANIZATION SENDS AN ELECTRONIC COPY OF THE FORM 990 TO ITS BOARD OF DIRECTORS. THIS IS PRIMARILY FOR INFORMATIONAL PURPOSES AND TO ALLOW FOR COMMENTS FROM THE BOARD, BUT DOES NOT REQUIRE ACTION FROM THE BOARD. FORM 990, PART VI, SECTION B, LINE 12C EACH YEAR THE BOARD OF DIRECTORS SIGNS A CONFLICT OF INTEREST STATEMENT WHICH DISCLOSES ANY CONFLICTS OF INTEREST AS DEFINED BY THE OPPORTUNITY FINANCE NETWORK'S CONFLICT OF INTEREST POLICY. IF THE BOARD MEMBER (OR ANY RELATED PARTY) IS INVOLVED IN TRANSACTIONS WITH OFN INCLUDING BUT NOT LIMITED TO LOAN AND GRANT APPLICATIONS TO OFN, AND CONSULTING CONTRACTS WITH OFN, THE BOARD MEMBER DISCLOSES THIS IN A SEPARATE STATEMENT. ALL STAFF MUST ALSO ADHERE TO OFN'S CONFLICT OF INTEREST POLICIES AND REPORT POTENTIAL CONFLICTS FOR REVIEW AND APPROVAL. FORM 990, PART VI, SECTION B, LINE 15 THE COMPENSATION FOR THE PRESIDENT & CEO IS GOVERNED BY AN EXECUTIVE EMPLOYMENT AGREEMENT AND DETERMINED THROUGH AN ANNUAL PERFORMANCE REVIEW. OFN'S BOARD CHAIR MANAGES THIS PROCESS BY REVIEWING THE PRESIDENT & CEO'S PERFORMANCE AGAINST SET GOALS. THEY USE A DOCUMENTED PROCESS OF SELF-ASSESSMENT AND PERFORMANCE REVIEW. THESE RESULTS ARE DOCUMENTED FOR THE RECORDS. COMPENSATION FOR OFN SENIOR OFFICERS AND KEY EMPLOYEES IS REVIEWED ON AN ANNUAL BASIS USING AN EXTERNAL MARKET COMPENSATION ANALYSIS WHICH PROVIDES BENCHMARKS FOR DETERMINING APPROPRIATE STAFF COMPENSATION RANGES. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST FOR THE SAME PERIOD OF DISCLOSURE AS SET FORTH IN SECTION 6104(D). FORM 990, PART XI, LINE 9: PROVISIONING FOR LOAN LOSS -642,033. NCCA GENERAL PARTNER LLC 123 S BROAD STREET SUITE 1930 PHILADELPHIA PA 19109 113704951 OPERATE AS A GENERAL PARTNER OF OPPORTUNITY FUND III DE 0 94273 OPPORTUNITY FINANCE NETWORK CDFI COMMUNITY INVESTMENT FUND I LLC 123 S BROAD STREET SUITE 1930 PHILADELPHIA PA 19109 352579326 INVESTMENT IN OTHER CDFI ENTITIES DE OPPORTUNITY FINANCE NETWORK EXCLUDED 30382 1310779 0 1 0.09090 GOOD TO GROW CDFI INVESTMENT FUND LLC 123 S BROAD STREET SUITE 1930 PHILADELPHIA PA 19109 364907491 INVESTMENT IN OTHER CDFI ENTITIES DE OPPORTUNITY FINANCE NETWORK EXCLUDED 31219 1259548 0 1 0.05000 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 CDFI COMMUNITY INVESTMENT FUND I LLC L 94500 INDUSTRY STANDARD GOOD TO GROW CDFI INVESTMENT FUND LLC L 125000 INDUSTRY STANDARD