990 14 - New Jersey Community Capital (NJCC) | · Under section 501(c), 527, or 4947(a)(1) of the Internal Revenue Code ... assessments, or similar amounts as defined in Revenue Procedure

JSA4E1065 1 000

9698>-IA 2231

Return of Organization Exempt From income TaxUnder section 501(c), 527, or 4947(a)(1) of the Internal Revenue Code (except private foundations) ~14

~ Do not enter Social Security numbers on this form as it may be made public.~ Information about Form 990 and its instructions is at www.irs.gov/form99o.

Form 990Department of the TreasuryInternal Revenue Seruce

A For the 2014 calendar year, or tax year beqinninci 10/01 , 2014, and ending 09/30, 20 15c Name of organization D Employer identification number

B Chuvx ,fupprvuv~ COMMUISITY LOAN POND- CF NEW JERSEY INC

~ .~ Doing 8u~ness As —_________________ 22-2072262fl rtu,vu -ii.uvvr Number and street for P.O. box if mail is not delivered to street address> Room/suite E Telephone number~ ivy~vv,rv 108 CHURCH STREET 3RD FLOOR. 732) 65D —JOill

[~ Tr,v’v’ulxd City or town, stale or province, country, and ZIP or foreign postal codei~ ~5’]~~ NEW BRUNSWICK, NJ 09301 G Grossreceipts $ 31, 513, 501.

~__J ~vvvr-ve F Name and address of principal officer: WAYNE 1. MEYER, PRESIDENT H(a) 5 this agroup return“~ subordmatesS138 CHURCH STREET 3RD FLOOR NEW BRUNSWICK, NJ 08901 NIb) uru., ~surxrrxresxv,~xexv[~j Yes I No

Tax-exempt stales. I I 501 lc)i31 J 501(c) 1 1 ‘~ (insert no.) j J 4947(a)(l) or 527 If “Ns “ attach a list. 15cc ustruchuns)

J Website: ~ 16MW. NEWJEPSEYCOI4MUNITYCAPITAL. ORG Hfc) Group exemption number ~‘

K. torini of organization: ,~r Corporation Trust~ J Association Other ~ ‘ LYear of forsiatiori: i98 ‘I M State of legal domicile: NJ~ Summary

1 Briefly describe the organization’s mission or most significartt activities: TO TRANSFORM ATPOISK COMMUNITIES THROUGHa 3~’~~L T) N ii 19 PO C3PI~v —1 1 O;tPOCF~a

~ 2 Check this box ~ if the organization discontinued its operations or disposed of more than 25% of ifs net assets.r~ 3 Number of voting members of the governing body (Part VI, line la) 3‘~ 4 Number of independent voting members of the governing body (Part VI. line ib) 4~ 5 Total number of individuals employed in calendaryear2ol4 (Part V. line2a) 5 58.~ 6 Total number of volunteers (estimate if necessary) 6 7< 7a Total unrelated business revenue from Part VIII column (C) Itne 12 7a -. ~) 12’

b Net unrelated business taxable income from Form 990-T. line 34 7b 11i, 220.Prior Year Current Year

~ 8 Contrtbuttons and grants (Part VIII Itne lh) ‘~ 4 .. 19 ‘

z - - COPY FOR . ‘1~ 9 Program servtce revenue (Part VIII line 2g) -‘ / 19> - - PUBLIC INSPECTION °3. iv ~- i~ 10 Investment income (Part VIII. column (A). lines 3. 4. and 7d) —, ~.‘.J., 121 . i 1, D 4

11 Other revenue (Part VIII. column (A), lines 5, Sd. 8c, 9c. bc, and lie) 82, 858. —2, 761.12 Total revenue - add lines 8 through 11 (must equal Part VIII, column (A). line 12) 10, 4 33, 043 . 13, 937, 04613 Grants and similar amounts paid (Part IX. column (A), lines 1-3) 0 154 , 94214 Benefits paid to or for members (Part IX. column (A), line 4) 0 0

~ 15 Salaries, other compensation, employee benefits (Part IX. column (A). lines 5-10) 2, 621, 050. 3-, 100, 437~ 16a Professional fundraising fees (Part IX. column (A), line lie) 0 0~ b Total fundraising expenses (Part IX column (D) line 25) ~ “10 23W 17 Other expenses (Part IX column (A) lines ila lid hf 24e) 6 ‘2, 19~

18 Total expenses. Add lines 13-17 (must equal Part IX. column (A), line 25) 6, 293, 670 . 7, 8 90, 70519 Revenue less expenses. Subtract line 18 from line 12 4, 139, 373. 7, 5~56, 341

~ ~‘ Beginning of Current Year End of Year

~ 20 Total assets(PartX, line 16) 81,511,197. 91,909,317.‘~ 21 Total liabilities )Part X line 26) .,~C I / 3 —

~ 22 Net assets or fund balances. Subtract line 21 from line 20 3]., 337, 5.09-, 3/3, 5-25, 4 96.~.‘ Signature BlockUnder penalties of penury, I declare that I have examined this return, including accompasying schedules and alatements, and to tile best of my knowledge and belief, if istrue, correct, and complete. Declaration of preparer (other than officer) is based oil all information of which preparer has any knowledge.

._-----_Sign r Signaiure of officer Date

Here ~ JAI400ELII4E POP(II’!SON CEO

r Type or print nanre and title

~arerUse Only Firm’aname ~ hv’I’fG LAP - Firm’s EIN ~ 13—5575-’7 /

Firm’aacldreas ~ 345 PAR.)CAVEI’H]E NEW YOP,K, NY 1015419102 Phoneno 212~7519970i1)May the IRS discuss this return with the preparer shown above? (see instructions) L~’TY~”’L No

For Paperwork Reduction Act Notice, see the separate instructions. Form 990 12014)

V 14—7.16 2986552 PAGE 2

COI~UNTY Z’~J~ ~‘~J~:L) O~ NE~rJ JERSEY INC ~2~2~72262Form 990 (2014) Page 2

________ Statement of Program Service AccomplishmentsCheck if Schedule 0 contains a response or note to any line in this Part Ill DI

I Briefly describe the organization’s mission:—~ CC ~‘OX~i ~ ‘f~Nouc~R ‘NJCIEGIC iN’~~S: CN’IS O~

p:o~L:~D ~o..

2 Did the organization undertake any significant program services during the year which were not listed on theprior Form 990 or 990-EZ? El Yes NoIf ‘Yes,’ describe these new services on Schedule 0.

3 Did the organization cease conducting, or make significant changes in how it conducts, any programservices? Li Yes L~] NoIf “Yes.’ describe these changes on Schedule 0.

4 Describe the organization’s program service accomplishments for each of its three largest program services, as measured byexpenses. Section 501(c)(3) and 501(c)(4) organizations are required to report the amount of grants and allocations to others,the total expenses, and revenue, if any, for each program service reported.

4a (Code: ) (Eqenses5, ,. . including grants of $ .., . ) (Revenue $ , ‘ ,~

ATTACHMENT 1

4b (Code: ) (Expenses $______________ including grants of $ ) (Revenue $

4c (Code: ) (Expenses $_____________ including grants of $ ) (Revenue $

4dother program services (Describe in Schedule 0.)(Expenses $ including grants of $ ) (Revenue $

4e Total program service expenses ~ I C ~, I2~.

4910201 000 Form 990 (2014)~~‘‘~-~C 2I.~. .3

COMMUNITY LOAN FUN[) OF NEW JERSEY INC 22—2672262Form 990 (2014) Page 3I~’Thik!A Checklist of Required Schedules __________

Yes No

1 Is the organization described in section 501(c)(3) or 4947(a)(1) (other than a private foundation)? If “Yes,”complete Schedule A [_± ~

2 Is the organization required to complete Schedule B. Schedule of Contributors (see instructions)0 23 Did the organization engage in direct or indirect political campaign activities on behalf of or in opposition to

candidates for public office? If “Yes,” complete Schedule C. Part I4 Section 501(c)(3) organizations. Did the organization engage in lobbying activities, or have a section 501(h)

election in effect during the tax year? If “Yes, “complete Schedule 6~ Part II 45 Is the organization a section 501(c)(4), 501(c)(5), or 501~(6) organization that receives membership dues,

assessments, or similar amounts as defined in Revenue Procedure 98-19? If “Yes,” complete Schedule C,Part Ill

6 Did the organization maintain any donor advised funds or any similar funds or accounts for which donorshave the right to provide advice on the distribution or investment of amounts in such funds or accounts? If“Yes.” complete Schedule 0. Part I 6 X

7 Did the organization receive or hold a conservation easement, including easements to preserve open space,the environment, historic land areas, or historic structures? lf”Yes,” complete ScheduleD, Part II ~L

8 Did the organization maintain collections of works of art, historical treasures, or other similar assets? If “Yes,”complete Schedule D, Part Ill

9 Did the organization report an amount in Part X, line 21, for escrow or custodial account liability: serve as acustodian for amounts not listed in Part X; or provide credit counseling, debt management, credit repair, ordebt negotiation services? If “Yes,” complete Schedule 0, Part IV

10 Did the organization, directly or through a related organization, hold assets in temporarily restrictedendowments, permanent endowments, or quasi-endowments? lf”Yes” complete ScheduleD, Part V

11 If the organization’s answer to any of the following questions is “Yes,” then complete Schedule D, Parts VI,VII, VIII, IX, or X as applicable.

a Did the organization report an amount for land, buildings, and equipment in Part X, line 10? If “Yes,”complete Schedule D. Part VI

b Did the organization report an amount for investments-other securities in Part X, line 12 that is 5% or moreof its total assets reported in Part X, line 16? If “Yes,” complete Schedule 0, Part VII

c Did the organization report an amount for investments-program related in Part X, line 13 that is 5% or moreof its total assets reported in Part X, line 16? If “Yes,” complete Schedule D, Part VIII

d Did the organization report an amount for other assets in Part X. line 15 that is 5% or more of its total assetsreported in PartX, line 16? lf”Yes,” complete ScheduleD, Part IX

e Did the organization report an amount for other liabilities in PartX, line 25? lf”Yes,” complete Schedule D, PartXf Did the organization’s separate or consolidated financial statements for the tax year include a footnote that addresses

the organization’s liability for uncertain tax positions under FIN 48 (ASC 740)? If “Yes,” complete ScheduleD. PartX12a Did the organization obtain separate, independent audited financial statements for the tax year? If “Yes,”

complete Schedule 0, Parts XI and XIIb Was the organization included in consolidated, independent audited financial statements for the tax year? If “Yes.” and if

the organization answered “No” to line I 2a, then completing Schedule 0. Pads XI and XII is optional13 Is the organization a school described in section 170(b)(i)(A)(ii)? lf”Yes,” complete ScheduleE14a Did the organization maintain an office, employees, or agents outside of the United States’?

b Did the organization have aggregate revenues or expenses of more than $10,000 from grantmaking,fundraising. business, investment, and program service activities outside the United States, or aggregateforeign investments valued at $100,000 or more? If “Yes. “complete Schedule F Pads land IV

15 Did the organization report on Part IX, column (A), line 3, more than $5,000 of grants or other assistance to orfor any foreign organization? If “Yes, “complete Schedule F Parts I/and IV

16 Did the organization report on Part IX, column (A). line 3, more than $5,000 of aggregate grants or otherassistance to or for foreign individuals? If “Yes,” complete Schedule F Parts Ill and/V

17 Did the organization report a total of more than $1 5,000 of expenses for professional fundraising services onPart IX, column (A), lines 6 and lie? If “Yes,” complete Schedule G, Part / (see instructions)

18 Did the organization report more than $15,000 total of fundraising event gross income and contributions onPart VIII, lines 1 c and 8a? If “Yes,” complete Schedule G, Part II

19 Did the organization report more than $15,000 of gross income from gaming activities on Part VIII, line 9a?If “Yes.” complete Schedule G, Part Ill

20a Did the organization operate one or more hospital facilities? lf”Yes,”complete Schedule H— b If “Yes” to line 20a, did the organization attach a copy of its audited financial statements to this return?

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4E1021 1000 ~‘699Fii’~ 22)2V 14—7.16 2986552 ARCS

COMWUNIT’I LOAN FEND OF NEW ~JERSEY INC 22~-2872262Form 990 (2014) Page 4I~T’W~ Checklist of Required Schedules (continL,’ed) —

Yes No

21 Did the organization report more than $5,000 of grants or other assistance to any domestic organization ordomestic government on Part IX, column (A), line 1? If “Yes,” complete Schedule I, Parts land!!.......... ,,~j, >

22 Did the organization report more than $5,000 of grants or other assistance to or for domestic individuals onPart IX, column (A), line 2? If “Yes, “complete Schedule I. Parts land Ill ________

23 Did the organization answer “Yes” to Part VII, Section A, line 3, 4, or 5 about compensation of theorganization’s current and former officers, directors, trustees, key employees, and highest compensatedemployees? lf’Yes,” complete Schedule J 23 N

...

24a Did the organization have a tax-exempt bond issue with an outstanding principal amount of more than$100,000 as of the last day of the year, that was issued after December 31, 2002? If “Yes,” answer lines 24bthrough 24d and complete Schedule K. If “No,” go to line 25a L

b Did the organization invest any proceeds of tax-exempt bonds beyond a temporary period exception’ 24bo Did the organization maintain an escrow account other than a refunding escrow at any time during the year

to defease any tax-exempt bonds’2 L,.240d Did the organization act as an “on behalf of” issuer for bonds outstanding at any time during the year7 ________

25a Section 501(o)(3), 501(c)(4), and 501(c)(29) organizations. Did the organization engage in an excess benefittransaction with a disqualified person during the year? lf”Yes.” complete Schedule L Part! 25a N

~- —~.b Is the organization aware that it engaged in an excess benefit transaction with a disqualified person in a prioryear, and that the transaction has not been reported on any of the organization’s prior Forms 990 or 990-EZ?If “Yes, “complete Schedule L, Part I 25b N

26 Did the organization report any amount on Part X, line 5, 6, or 22 for receivables from or payables to anycurrent or former officers, directors, trustees, key employees, highest compensated employees, ordisqualified persons? If “Yes,” complete Schedule L, Part!! N

27 Did the organization provide a grant or other assistance to an officer, director, trustee, key employee,substantial contributor or employee thereof, a grant selection committee member, or to a 35% controlledentity or family member of any of these persons? If “Yes. “complete Schedule L, Part Ill L.~L X

28 Was the organization a party to a business transaction with one of the following parties (see Schedule LPart IV instructions for applicable filing thresholds, conditions, and exceptions):

a A current or former officer, director, trustee, or key employee? lf”Yes, “complete Schedule L, Part IV 28a ________

b A family member of a current or former officer, director, trustee, or key employee? If “Yes,” completeSchedule L, Part IV 28b

o An entity of which a current or former officer, director, trustee, or key employee (or a family member thereof)was an officer, director, trustee, or direct or indirect owner? If “Yes,” complete Schedule L, Part IV 28c N

29 Did the organization receive more than $25,000 in non-cash contributions? If “Yes,” complefe Schedule M. . . 2930 Did the organization receive contributions of art, historical treasures, or other similar assets, or qualified

conservation contributions? If “Yes. “complete Schedule M 30 _____ N

31 Did the organization liquidate, terminate, or dissolve and cease operations? If “Yes,” complete Schedule N,Part! 31 - N

32 Did the organization sell, exchange, dispose of, or transfer more than 25% of its net assets? If “Yes,”complete Schedule N, Part!! 32 —~

33 Did the organization own 100% of an entity disregarded as separate from the organization under Regulations 1sections 301 .7701-2 and 301.7701-3? lf”Yes.”complete Schedules Part! 33 x~

34 Was the organization related to any tax-exempt or taxable entity? If “Yes,” complete Schedule R, Part II, Ill,or IV and Part ‘~4 line ‘1 34 N

35a Did the organization have a controlled entity within the meaning of section 512(b)(13)? ~ XJb If “Yes” to line 35a, did the organization receive any payment from or engage in any transaction with a

controlled entity within the meaning of section 512(b)(13)? lf”Yes,” complete Schedule ~ Part V line 2 N36 Section 501(c)(3) organizations. Did the organization make any transfers to an exempt non-charitable

related organization? If “Yes,” complete Schedule R. Part V~ line 2 36 N37 Did the organization conduct more than 5% of its activities through an entity that is not a related organization

and that is treated as a partnership for federal income tax purposes? lf”Yes,” complete ScheduleR,Part VI N

38 Did the organization complete Schedule 0 and provide explanations in Schedule 0 for Part VI, lines 11 b and19? Note. All Form 990 filers are required to complete Schedule 0 38 N —

Form 990 (2014)

JSA

401030 1 000H ~ ~,

OO~INITF FOND OF NEV~ JEP~SLY :~.:Form 990 (2014) Page 5

I~VI Statements Regarding Other IRS Filings and Tax ComplianceCheck_if_Schedule_0_contains_a_response_or_note_to_any_line_in_this_Part V ________

Yes No

I a Enter the number reported in Box 3 of Form 1 096. Enter -0- if not applicable Ia 26b Enter the number of Forms W-2G included in line 1 a. Enter -0- if not applicable lbo Did the organization comply with backup withholding rules for reportable payments to vendors and

reportable gaming (gambling) winnings to prize winners?2a Enter the number of employees reported on Form W-3, Transmittal of Wage and Tax

Statements, filed for the calendar year ending with or within the year covered by this return . 2a 58b If at least one is reported on line 2a, did the organization file all required federal employment tax returns?

Note. If the sum of lines 1 a and 2a is greater than 250, you may be required to e-file (see instructions)3a Did the organization have unrelated business gross income of $1,000 or more during the year’?

b If “Yes,” has it filed a Form 990-T for this year? If “No” to line 3b, provide an explanation in Schedule 04a At any time during the calendar year, did the organization have an interest in, or a signature or other authority

over, a financial account in a foreign country (such as a bank account, securities account. or other financialaccount)’?

b If Yes.’ enter the name of the foreign country: ~See instructions for filing requirements for FinCEN Form 114, Report of Foreign Bank and Financial Accounts(FBAR).

5a Was the organization a party to a prohibited tax shelter transaction at any time during the tax year’?b Did any taxable party notify the organization that it was or is a party to a prohibited tax shelter transaction?o If “Yes” to line 5a or Sb, did the organization file Form 8886-T’?

6a Does the organization have annual gross receipts that are normally greater than $100000, and did theorganization solicit any contributions that were not tax deductible as charitable contributions’?

b If “Yes,” did the organization include with every solicitation an express statement that such contributions orgifts were not tax deductible’? _________

7 Organizations that may receive deductible contributions under section 170(c).a Did the organization receive a payment in excess of $75 made partly as a contribution and partly for goods

and services provided to the payor’?b If “Yes,” did the organization notify the donor of the value of the goods or services provided’?o Did the organization sell, exchange, or otherwise dispose of tangible personal property for which it was

required to file Form 8282’? ________

d If “Yes,” indicate the number of Forms 8282 filed during the year 7de Did the organization receive any funds, directly or indirectly, to pay premiums on a personal benefit contract?f Did the organization, during the year, pay premiums, directly or indirectly, on a personal benefit contract’?g If the organization received a contribution of qualified intellectual property, did the organization file Form 8899 as required?h If the organization received a contribution of cars, boats, airplanes, or other vehicles, did the organization file a Form 1098-C?

8 Sponsoring organizations maintaining donor advised funds. Did a donor advised fund maintained by thesponsoring organization have excess business holdings at any time during the year’?

9 Sponsoring organizations maintaining donor advised funds.a Did the sponsoring organization make any taxable distributions under section 4966’?b Did the sponsoring organization make a distribution to a donor, donor advisor, or related person’?

10 Section 50I(c)(7) organizations. Enter: I

a Initiation fees and capital contributions included on Part VIII, line 12 lOab Gross receipts, included on Form 990, Part VIII, line 12, for public use of club facilities I Ob

II Section 501(c)(12) organizations. Enter:a Gross income from members or shareholders 1 Iab Gross income from other sources (Do not net amounts due or paid to other sources

against amounts due or received from them.) II b12a Section 4947(a)(1) non-exempt charitable trusts. Is the organization filing Form 990 in lieu of Form 1041? ________

b If “Yes.” enter the amount of tax-exempt interest received or accrued during the year 11 2b I13 Section 501(c)(29) qualified nonprofit health insurance issuers.

a Is the organization licensed to issue qualified health plans in more than one state’? _________

Note. See the instructions for additional information the organization must report on Schedule 0.b Enter the amount of reserves the organization is required to maintain by the states in which

the organization is licensed to issue qualified health plans (I 3bo Enter the amount of reserves on hand 130

14a Did the organization receive any payments for indoor tanning services during the tax year’?b If “Yes,” has it filed a Form 720 to reoort these payments? If “No,” provide an explanation in Schedule 0

V

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A

Ic

2b X

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Form 990 (2014)

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Farm 990 2014) ‘OMCUNFY Z’~JJ ~‘NND OF’ NON JERSE1~ INC 22—28722c2 Page 6~ Governance, Management, and Disclosure For each “Yes” response to lines 2 through 7b belovv~ and for a “No”

response to lIne 8a. 8h, or I Ob below, describe the circumstances, processes, or changes in Schedule 0. See instructions.Check if Schedule 0 contains a response or note to any line in this Part VI [ x

SectionA Govern ng Body ndManagemenYes I No

la Enter the number of voting members of the governing body at the end of the tax year .

If there are material differences in voting rights among members of the governing body, or if the governingbody delegated broad authority to an executive committee or similar committee, explain in Schedule 0.

b Enter the number of voting members included in line 1 a, above, who are independent LI b2 Did any officer, director, trustee, or key employee have a family relationship or a business relationship with

any other officer, director, trustee, or key employee’?3 Did the organization delegate control over management duties customarily performed by or under the direct

supervision of officers, directors, or trustees, or key employees to a management company or other person? 5L. ~4 Did the organization make any significant changes to its governing documents since the prior Form 990 was filed? L..4 ,..1,.,_5 Did the organization become aware during the year of a significant diversion of the organization’s assets’? ~ .j2~._.6 Did the organization have members or stockholders’? -_________

7a Did the organization have members, stockholders, or other persons who had the power to elect or appointone or more members of the governing body’? 7a >~

b Are any governance decisions of the organization reserved to (or subject to approval by) members,stockholders, or persons other than the governing body’? 7b I

8 Did the organization contemporaneously document the meetings held or written actions undertaken duringthe year by the following:

a The governing body’? ~b Each committee with authority to act on behalf of the governing body’? 8b

9 Is there any officer, director, trustee, or key employee listed in Part VII, Section A, who cannot be reached atthe organization’s mailing address? If “Yes, “provide the names and addresses in Schedule 0 — —

Section B. Policies (This Section B requests information about policies not required by the Internal Revenue Codej_Yes No

1 Oa Did the organization have local chapters, branches, or affiliates’? ~ Xb If “Yes,” did the organization have written policies and procedures governing the activities of such chapters,

affiliates, and branches to ensure their operations are consistent with the organization’s exempt purposes?. . [..iPi~11 a Has the organization provided a complete copy of this Form 990 to all members of its governing body before filing the form? [..iia X

b Describe in Schedule 0 the process, if any, used by the organization to review this Form 990 II 2a Did the organization have a written conflict of interest policy? If “No, “go to line 13 ~ 2~_4

b Were officers, directors. or trustees, and key employees required to disclose annually interests that could giverise to conflicts’? 12b

c Did the organization regularly and consistently monitor and enforce compliance with the policy? If “Yes.”describe in Schedule 0 how this was done [Jic ~_4

13 Did the organization have a written whistleblower policy’? Lii ~i~_J14 Did the organization have a written document retention and destruction policy? {J.IL .~_J15 Did the process for determining compensation of the following persons include a review and approval by

independent persons, comparability data, and contemporaneous substantiation of the deliberation and decision?a The organization’s CEO, Executive Director, or top management official Li~ ~

b Other officers or key employees of the organizationIf “Yes” to line 1 5a or 1 5b, describe the process in Schedule 0 (see instructions),

16a Did the organization invest in, contribute assets to, or participate in a joint venture or similar arrangementwith a taxable entity during the year?

b If “Yes,” did the organization follow a written policy or procedure requiring the organization to evaluate itsparticipation in joint venture arrangements under applicable federal tax law, and take steps to safeguard theorganization’s exempt status with respect to such arrangements’? 16b —

Section C. Disclosure ______________

17 List the states with which a copy of this Form 990 is required to be filed ~18 Section 6104 requires an organization to make its Forms 1023 (or 1024 if applicable), 990, and 990~T (Section 501(c)(3)s only)

available for public inspection. Indicate how you made these available, Check all that apply.[_~,j. Own website L~ Another’s website ~ Upon request ~ Other (explain in Schedule 0)

19 Describe in Schedule 0 whether (and if so, how) the organization made its governing documents, conflict of interest policy, andfinancial statements available to the public during the tax year.

20 State the name: address, and telephone number of the person who possesses the organization’s books and records: ~

jSA Form99O(2014)

4E1042 1 000

11-7. 1~

‘CiEi7ii’YZ~AN 3’~72 OF’ NEW JERELY JYC ‘~—2J722F2

I~~jJ Compensation of Officers, Directors, Trustees, Key Employees, Highest Compensated Employees, andIndependent ContractorsCheck if Schedule 0 contains a response or note to any line in this Part VII El

Section A.~and Hig omj~jp~pyees —

Ia Complete this table for all persons required to be listed. Report compensation for the calendar year ending with or within theorganizations tax year.

• List all of the organizations current officers, directors, trustees (whether individuals or organizations), regardless of amount ofcompensation. Enter -0- in columns (D), (E), and (F) if no compensation was paid.

o List all of the organizations current key employees, if any. See instructions for definition of key employee.• List the organizations five current highest compensated employees (other than an officer, director, trustee. or key employee)

who received reportable compensation (Box 5 of Form W-2 and/or Box 7 of Form 1099-MISC) of more than $100,000 from theorganization and any related organizations.

• List all of the organizations former officers, key employees, and highest compensated employees who received more than$1 00,000 of reportable compensation from the organization and any related organizations.

o List all of the organization’s former directors or trustees that received, in the capacity as a former director or trustee of theorganization, more than $10000 of reportable compensation from the organization and any related organizations.

List persons in the following order: individual trustees or directors; institutional trustees: officers; key employees: highestcompensated employees: and former such persons.

El Check this box if neither the organization nor any related organization compensated any current officer, director, or trustee,

(C)

(A) (B) Position (D) (El (F)

Name and Title Average (do not check more than one Reportable Reportable Estimatedhours per box, unless person is both an compensation compensation from amount of

week I/st an~ officer and a director/trustee) from related otherhours (or ~ ~- ~ ~ ~ -fl the organizations compensationrelated . ‘~ ‘~ ‘5- ~ organization (W-2/1 099-MISC) from the

orqanzasons ~ ~‘ ~ ~ (W-2/1099-MISC) organizationbelow dotted g ~ g ‘~ 5 and related

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Form 990 (2014) Paoe 7

JsA Form 990 (2014)

491041 1 090~r~’’r9F’jr 22:3

COt•?1JNLTY 0 )AN o’OO[ OF 3iE~) JE’3SEY INC 2~28’.22262

JSA4E1055 1 000

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Form 990 (2014) Page 8I~TThY1TI Section A. Officers , Directors, Trustees, Key Employees, and Highes Corn pensated Employees (continued)

(A> (B> (C) (D) (E) (F)Name and title Average Position Reportable Reportable Estimated

hours per (do not check more than one compensation compensation from amount ofweek Q,st soy box, unless person is both ~ from related other

hsurs for ~6e~jnd.6di!56to(dofsteE2 the organizations compensabonre’ated ~, ~ ,~ ~ organization (W-2/1 099-MISC) from the

organizatuns ~ (W-2/1 099-MISC) orgamzattonhe~ow dotted ~, 5 a ‘~ a — —‘ and related

~ ic) .~ 0 OIgatliZatiOnsa — aca aCD an 0a

a CCD0,

~

zzzz:zzzzz:z::~:::

z:z::z:zzz:z:lb Sub-total ~ 796,633’. 0~ I ‘5,329.

c Total from continuation sheets to Part VII, Section A 3’ ‘1

dTotal(addlineslbandlc) 796,630.2 Total number of individuals (including but not limited to those listed above) who received more than $1 00,000 of

reportable compensation from the organization ~- 3 — —

Yes No3 Did the organization list any former officer, director. or trustee, key employee, or highest compensated

employee on line la? If “Yes,” complete Schedule J for such individual 3 — X

4 For any individual listed on line la, is the sum of reportable compensation and other compensation from theorganization and related organizations greater than $150,000? If “Yes,” complete Schedule J for suchindividual 4 N

5 Did any person listed on line la receive or accrue compensation from any unrelated organization or individualfor services rendered to the organization? If “Yes,” complete Schedule J for such person N

Section B. Independent Contractors

1 Complete this table for your five highest compensated independent contractors that received more than $1 00,000 ofcompensation from the organization. Report compensation for the calendar year ending with or within the organization’s taxyear.

(A) (B) (C)Name and business address Descriptton of services Compensation

ATTACHMENT 2

2 Total number of independent contractors (including but not limited to those listed above) who receivedmore than $1 00000 in compensation from the organization ~ 3 -

Form 990 (2014)

30E 9‘7 14’-’? .16

and other similar amounts).Income from investment ofRoyalties

La Gross rentsb Less: rental expensesc Rental income or (loss)d Net rental income or (lost

7a Gross amount from sales of

assets other than inventory

b Less: cost or other basisand sales expenses .

c Gain or (loss)

ha

b

C

da

12

tax-exempt bond proceeds .

Form 990 (2014) CC~-F.Fii’1Z FYZOAN j~:~’ OF NFW .JERLFY ELF E2—F(0J22E2 Page 9K~a!All1 Statement of Revenue

Check if Schedule 0 contains a response or note to any line in this Part VIW .....

(A) (8) (Cl ID)Total revenue Related or I Unrelated Revenue

exempt business excluded from laxfunction revenue under sectionsrevenue 512-514

~ la Federated campaigns

~ b Membership dues

~‘< C Fundraising eventsCD ~ d Related organizations iii.~~E:~ a Government grants (contributions). .

~ ~5 f All other contributions, gifts, grunts..~ .c -

t0 and similar amounts not included sbove if -

~ 9 Noncastr contributions included in tines la-It: S~ h Total. Add lines la-if , , -

~ Business CodeC -________di~ 2a .-- :.‘ ‘‘ .“ F . ‘. - ‘. -

~~ b0,~ C—.----,—---_____________a

<1) d2~ e .~ --______________ —— —

~ f All other program service revenue

~ 9 Total. Add lines 2a-2f . , ~- -j3 Investment income (includitig dividends, interest.

45

(i) Real (s) Personal

)(i) Securities (ii) Other

d

8aC,4,;>,a)

4,

9a

bC

IDa

bC

Net gain or (loss) _____________

Gross s,come from fundraising

events (not including S . -

of contributions reported on line ic).See Part IV, line 18 a ________

Less, direct expenses b _______________

Net income or (loss) from fundraising events. _____________

Gross income from gaming activitiesSee Part IV, line 19 a

Less: direct expenses b -

Net income or (loss) from gaming activities.

Gross sales of inventory, lessreturns and allowances a

Less: cost of goods sold b ______________

Net income or (loss) from sales of inventory

Miscellaneous Revenue Business Code

All other revenue _____________

Total. Add lines ha-lidTotal revenue. See instructions

4E1051 1 000

/

Form 990 i2014i

9~-~L 2’ 3.. 7

Statement of Functional ExpensesSection 501 (c)(3) and 501(c) (4) organizations must complete all columns. All other organizations must complete column (A).

Check if Schedule 0 contains a response or note to any line in this Part IX IDo not include amounts reported on lines 6b, 7b, (A> (B) >c> 101

Total expenses Program serace Management and Fundraising8b, 9b, and lOb of Part VIlL expenses general expenses expenses

1 Grants and other assistance to domestic orgenizations

and domestic governments. See Part tV. tine 21 .

2 Grants and other assistance to domestic

individuals See Pad IV, line 22

3 Grants and other assistance to foreigtl

organizations, foreign governments, atld foreign

individuals See Pad IV, lines 15 and 16

4 Benefits paid to or for members

S Compensation of current officers, directors.

trustees, and key employees

6 Compensation not includect above, to disctualitied

persons tax defined under section 4958(5111) and

persons described in section 4958(c93)(B)

Other salaries and wages

Pension plan accruals and contributions (include

section 401(k) and 403(b) employer contributions)

9 Other employee benefits

10 Payroll taxes

11 Fees for services (non-employees):

a Management

b Legal

c Accounting

ci Lobbying

e Protessional fundraising services. See Part IV. line l7~

Investment management fees

9 Other, ut ne 119 amount exceeds 100, at lie 25. csivisn

iR amount list tine llg expenses on Schedule 0)

12 Advertising and promotion13 Office expenses

14 Information technology

15 Royalties

16 Occupancy17 Travel18 Payments of travel or entertainment expenses

for any federal, state, or local public officials

19 Conferences, conventions, and meetings .

20 Interest

21 Payments to affiliates

22 Depreciation, depletion, and amortization

23 Insurance

24 Other expenses. itemize expenses not covered

above (List miscellaneous expenses in line 24e, If

line 24e amount exceeds 10% 01 tine 25, column

IA) amount list line 24e expenses on Schedule 0.)

a Z~)’9~ 9J~ J~~L J-.P3~P~

d _iL_~0_e All otherexpenses -.

25 Total functional expenses. Add lines I through 24e

-——__~_~~~z___ ~—-

695, o31 . , 4.,.] (05, 99l’l . 53,2 (13

i,~11,429. 1,594,796. 226,3h3. .~.29,25c’.

13,210. 10,557. ...,141. 012.204,016. 267,627. 20,802. 12,23~l.7’74]9~ 63,107. 9,10:. 4,_I’.

96,:.j( 01,521. 3,~72.297,/04. 26~,48d. 23,065. 22,25.

9,598. 7,1)67.

C565,713. 4n8,225. 06,465.

‘19,19’!. c’.’4,468. 2~r,63j. 1.5,64’,.25,_67. 2o,962. 2,624. .1,241.

: 30, 142. :24, 204. is, 545. 9, 293.54,138. 112,2o5. 25,649. 6,244.

257,626. 89,5u’,5. 12,563. 6,615.66,953. 61,220. 3,722. 2,961.

22,439. 29,928. 2,96~. ,s63.2,4/6,377. ],549,3”i’7~

n3,051. 73,189. 19,399. 5,433.‘13,569. 66,053. s,52.o. ~,491.

444, u.3.~ . 4’4,1132.243,475. 243,4/5.27’,454. 272,454.~ 72,262. 3,245.38,763. 23,719. 15,04~.

‘, 88~, 755. “, 599, ~2A. 569, 241. 3:2, 3Sf,26 Joint costs. Complete this line only if the ——

organization reported in column (B) (oint costsfrom a combined educational campai n andfundraising solicitation. Check here ~ iffollowing SOP 98-2 (ASC 958-720)

4E1052 1 000 Form 990 (2014)

Form 990 (2014) 6o145:ulsIT’6 2Ou~N r’CN2 OF’ 11165’ JERSEY 2No 22~-.,~872262 PautelO

5’,, 942. ‘5/, 942.

7

8

~0.0J. 223: ,~09c552 p7’,.30 1]

0001SUNITY LOAN FUND OF NEW JERSEY INC 22—2812262Form 990 12014)

~ Balance SheetPage 11

Check if Schedule 0 contains a response or note to any line in this Part X(A) (B)

Beginning of year End of yearI Cash - non-interest-bearing ‘, 1/, 1° I - , .~6, (32 Savings and temporary cash investments 4, ~ , ‘~ 7..~ 2 ).-, 4

3 Pledges and grants receivable, net 2, ~2 , /1i~ - 3 2, ‘.

4 Accounts receivable, net 45 Loans and other receivables from current and former officers, directors,

trustees, key employees, and highest compensated employees.Complete Part II of Schedule L 5 I

6 Loans and other receivables from other disqualified persons (as defined under section4958(9(1)), persons described in section 4958(c)(3)(B), and contributing employersand sponsoring organizations of section 501(c59) voluntary employees’ beneficiary

~ organizations (see instructions). Complete Part II of Schedule L 6‘~ 7 Notes and loans receivable, net 2. , im, .o~ ‘~ 7 z ~, ‘,a) , —

,~ 8 Inventories for sale or use ‘ 8 -~ —~

9 Prepaid expenses and deferred charges 3r ~ 9lOa Land, buildings, and eqLiipment: cost or

other basis. Complete Part VI of Schedule D 10a ,

b Less: accumulated depreciation 1 Ob ., ‘, , , ~‘‘ I Oc ,

11 Investments - publicly traded securities ‘ ‘, .~ 1, . ‘~ .-‘-, (~. ,

12 Investments - other securities. See Part IV, line 11 ‘~‘ ~ 1.1 12 C, 1 ‘1, ~

13 Investments - program-related. See Part IV, line 11 .1~.14 Intangible assets 7, ‘3O’3 14 I ‘‘ 0~ ‘~,

15 Other assets. See Part IV, line 11 —— 1, ..‘8, 677 151 “‘ ‘~ ‘

16 Total assets. Add lines 1 throuqh 15 (must equal line 34) ‘ ‘ ‘ 16 , ~17 Accounts payable and accrued expenses ‘1 ~‘6 17 ~, ° 31.18 Grants payable 18 -~

19 Deferred revenue ‘~ , ~‘ 19 322, ‘3.20 Tax-exempt bond liabilities 1

g~ 21 Escrow or custodial account liability. Complete Part IV of Schedule D d, 0 ,7, ~. 7 21 ~, ‘ ‘

~ 22 Loans and other payables to current and former officers, directors,‘~ trustees, key employees, highest compensated employees, and“i I disqualified persons. Complete Part II of Schedule L ‘~, F - 22 ~-, , 9

23 Secured mortgages and notes payable to unrelated third parties 2324 Unsecured notes and loans payable to unrelated third parties o5, ~, J 24 . .o, / 1,

25 Other liabilities (including federal income tax, payables to related thirdparties, and other liabilities not included on lines 17-24). Complete Part Xof ScheduleD ~. ,2 ‘ ~ ~., 3,

26 Total liabilities. Add lines 17 through 25 12, 3,6. ‘~ 26 .~ , ~77, ‘~ 1

Organizations that follow SFAS 117 (ASC 958), check here ~ L2i] and~ complete lines 27 through 29, and lines 33 and 34.0~ 27 Unrestrictednetassets ~ . ~ 27 ~ ‘, ,

~ 28 Temporarily restricted net assets I “, 1 ‘ 3, 36 28 -‘,

~ 29 Permanently restricted net assets ~, 29 ‘ 6, (3,.,~ Organizations that do not follow SFAS 117 (ASC 958), check here ~ and~ complete lines 30 through 34.

J~ 30 Capital stock or trust principal, or current funds 30~ 31 Paid-in or capital surplus, or land, building, or equipment fund~ 32 Retained earnings, endowment, accumulated income, or other funds~ 33 Totalnetassetsorfundbalances 31,337,509 33 36,515,496.,

34 Totalliabilities and net assets/fund balances 81, 511, 3.87 34 91, 909, 317.

ISA4E106.3 1 000

Form 990 12014)

Cr4995523331 V 14—7.16 2976.552 PACE 12

OI1UN.T3 FOAN 50110 OF NFl’. JEROEF El. 2~ 2312262Form 990 (2014) Poge 1 2

Reconciliation of Net AssetsCheck if Schedule 0 contains a response or note to any line in this Part Xl ....... .. ..........

1 Total revenue (must equal Part VIII, column (A), line 12) ,_,_. 3, ~‘~‘‘

2 Total expenses (must equal Part lx, column (A), line 25) ~, ‘‘

3 Revenue less expenses. Subtract line 2 from line I I, 6,

4 Net assets or fund balances at beginning of year (must equal Part X, line 33, column (A)) ._4._ .3~ a 3~ ,

5 Net unrealized gains (losses) on investments 5 —3(0 ,04~

6 Donated services and use of facilities7 Investment expenses 78 Prior period adjustments 89 Other changes in net assets or fund balances (explain in Schedule 0)

10 Net assets or fund balances at end of year. Combine lines 3 through 9 (must equal Part X, line33. column (B)) 36, .(0~, 43(0

~4iI Financial Statements and ReportingCheck if Schedule 0 contains a response or note to any line in this Part XII ~. .. L~J

Yes No1 Accounting method used to prepare the Form 990: Cash L~J Accrual L..J Other

If the organization changed its method of accounting from a prior year or checked “Other,” explain inSchedule 0.

2a Were the organization’s financial statements compiled or reviewed by an independent accountant? ,~ —

If “Yes” check a box below to indicate whether the financial statements for the year were compiled orreviewed on a separate basis, consolidated basis, or both:n~ . no . . noi_J Separate basis L._J Consolidated basis L.J Both consolidated and separate basis

b Were the organization’s financial statements audited by an independent accountant’? ~_gp, , F

If “Yes,” check a box below to indicate whether the financial statements for the year were audited on aseparate basis, consolidated basis, or both:El Separate basis El Consolidated basis El Both consolidated and separate basis

c If “Yes” to line 2a or 2b, does the organization have a committee that assumes responsibility for oversightof the audit, review, or compilation of its financial statements and selection of an independent accountant? r—~- FIf the organization changed either its oversight process or selection process during the tax year, explain inSchedule 0.

3a As a result of a federal award, was the organization required to undergo an audit or audits as set forth inthe Single Audit Act and 0MB Circular A-i 332 [,~ I.

b If “Yes.” did the organization undergo the required audit or audits? If the organization did not undergo therequired audit or audits, explain why in Schedule 0 and describe any steps taken to undergo such audits 3b / —

JSA4E1054 1 000

Form 990 (2014)

~‘(09NA 2226 292r(052 POE

SCHEDULE A Public Charity Status and Public Support(Form 990 or 990-EZ) Complete if the organization is a section 501(c)(3) organization or a section

4947(a)(1) nonexempt charitable trust.

Department of the Treasury ~ Attach to Form 990 or Form 990-EZ. _________________

Internal Revenue Service ~lnformation about Schedule A (Form 990 or 990-EZ) and its instructions is at www.irs.gov/form99o. _________________

Name of the organization Employer identification number

COMNUNITY LOIS’> FUND OF NEW JERSEY INC 22—2872262

~ Reason for Public Charity Status (All organizations must complete this part.) See instructions. __________

The organization is not a private foundation because it is: (For lines 1 through 11 check only one box.)1 A church, convention of churches, or association of churches described in section 170(b)(1)(A)(i),2 A school described in section 170(b)(1)(A)(ii). (Attach Schedule E.)3 Li A hospital or a cooperative hospital service organization described in section 170(b)(1)(A)(iii).4 Li A medical research organization operated in conjunction with a hospital described in section 170(b)(1)(A)(iii). Enter the

hospital’s name, city, and state:5 An organization operated for the benefit of a college or university owned or operated by a governmental unit described in

* section 170(b)(1)(A)(iv). (Complete Part II.)6 A federal, state, or local government or governmental unit described in section 170(b)(1)(A)(v).7 xJ An organization that normally receives a substantial part of its support from a governmental unit or from the general public

described in section 170(b)(1)(A)(vi). (Complete Part II.)8 A community trust described in section 170(b)(1)(A)(vi). (Complete Part II.)9 U An organization that normally receives: (1) more than 331/3%of its support from contributions, membership fees, and gross

receipts from activities related to its exempt functions - subject to certain exceptions, and (2) no more than 331/3% of itssupport from gross investment income and unrelated business taxable income (less section 511 tax) from businessesacqLtired by the organization after June 30. 1975. See section 509(a)(2). (Complete Part Ill.)

Li An organization organized and operated exclusively to test for public safety. See section 509(a>(4).11 [_J An organization organized and operated exclusively for the benefit of, to perform the functions of, or to carry out the purposes of

one or more publicly supported organizations described in section 509(a)(1) orsection 509(a)(2). See section 509(a)(3). Checkthe box in lines 11 a through lid that describes the type of supporting organization and complete lines lie, 11 f, and 11g.

a L.J Type I. A supporting organization operated, supervised, or controlled by its supported organization(s), typically by givingthe supported organization(s) the power to regularly appoint or elect a majority of the directors or trustees of the supportingorganization. You must complete Part IV, Sections A and B.

b Li Type II. A supporting organization supervised or controlled in connection with its supported organization(s), by havingcontrol or management of the supporting organization vested in the same persons that control or manage the supported

— organization(s). You must complete Part IV, Sections A and C.c Li Type Ill functionally integrated. A Supporting organization operated in connection with, and functionally integrated with,

— its supported organization(s) (see instructions). You must complete Part IV, Sections A, D, and E.d LL’ Type Ill non-functionally integrated. A supporting organization operated in connection with its supported organization(s)

that is not functionally integrated. The organization generally must satisfy a distribution requirement and an attentivenessrequirement (see instructions). You must complete Part IV, Sections A and D, and Part V.

e Li Check this box if the organization received a written determination from the IRS that it is a Type I, Type II, Type Illfunctionally integrated, or Type Ill non-functionally integrated supporting organization. __________

f Enter the number of supported organizationsg Provide the following information about the supported organization(s).

(i) Name of supported organization (ii) EtN (iii) Type of organization (ivl Is the organ~zaoon (v) Amount ot monetary (Vi> Amount of(described on tines 1-9 l,sted iv your governing support (see other support (seeabove or IRC section dscument~ instructions> instructions>

(see instructions>>

Yes No

(A)

(B)

(C)

( D)

(E)

TotalFor Paperwork Reduction Act Notice, see the Instructions for Schedule A (Form 990 or 990-EZI 2014Form 990 or 990-EZ.

JSA401210 2000 ~699HA 2231 V 14—7.16 2986552 PAGE 14

OEN~. I~sEY ~2-’22~ZSchedifie A iForm 990 or 990~EZ) 2014 Page 2

~Tt~ Support Schedule for Organizations Described in Sections 170(b)(1)(A)(iv) and 170(b)(1)(A)(vi)(Complete only if you checked the box on line 5, 7, or 8 of Part I or if the organization failed to qualify underPart Ill. If the organization fails to qLlalify under the tests listed below, please complete Part Ill.)

Section A. Public SupportCalendar year (or fiscal year beginning in) ~. (a) 2010 (b) 2011 (c) 2012 (d) 2013 (e) 2014 (f) Total

I Gifts grants, contributions, andmembership fees received. (Do notinclude any ‘unusual grants “) ...... -, . ~, . , - ,. . , , . ~‘ , ,‘ . , ‘ .

2 Tax revenues levied for theorganization’s benefit and either paidto or expended on its behalf

3 The value of services or facilitiesfurnished by a governmental unit to theorganization without charge

4 Total. Add lines 1 through 3 ‘ ., , . , ‘‘ , ‘ . ~ , . ~, . . . , . . —._______

5 The portion of total contributions byeach person (other than agovernmental uilit or publiclysupported organization) included online 1 that exceeds 2% of the amountshown on line 11. column (f)

6 Public support. Subtract line 5 from line 4.Section B. T~pp~~__Calendar year (or fiscal year beginning in) ~ (a) 2010 (b) 2011 (c) 2012 (ci) 2013 (a) 2014 (f) Total

7 Amounts from line 4 ‘ ., ‘ ~, ,.. . , ‘ , . , , .

8 Gross income from interest, dividends,payments received on securities loans,rents, royalties and income from similarsources , , . .‘ . , , , , . ., ,

9 Net income from unrelated businessactivities. whether or not the businessis regularly carried on . ‘ ‘. , . ,

10 Other income. Do not include gain orloss from the sale of capital assets(Explain in Part VI ) , , ,‘ .

11 Total support. Add lines 7 through 10 . , ,

12 Gross receipts from related activities. etc. (see instructions)13 First five years. If the Form 990 is for the organization’s first. second, third, fourth, or fifth tax year as a section 501(c)(3)

organization, check this box and stop here ~

Section C. Computation of Public Support PercentageLi4J~ ‘~‘

15~14 Public support percentage for 2014 (line 6, column (f) divided by line 11, column (f)) __________________ _____

15 Public support percentage from 2013 Schedule A, Part II, line 14 ________________________

16a 33113% support test -2014. If the organization did not check the box on line 13, and line 14 is 331/3% or more, checkthis box and stop here. The organization qualifies as a publicly supported organization ~ L~J

b 331/3% support test -2013. If the organization did not check a box on line 13 or 16a, and line 15 is 331/3% or more,check this box and stop here. The organization qualifies as a publicly supported organization ~

17a 10%-facts-and-circumstances test -2014. If the organization did not check a box on line 13, 16a, or 16b. and line 14 is10% or more, and if the organization meets the “facts-and-circumstances” test, check this box and stop here. Explain inPart VI how the organization meets the “facts-and-circumstances” test. The organization qualifies as a publicly supportedorganIzation ~ Li

b 10%-facts-and-circumstances test -2013. If the organization did not check a box on line 13, 16a, 16b, or 17a, and line15 is 10% or more, and if the organization meets the “facts-and-circumstances” test, check this box and stop here.Explain in Part VI how the organization meets the “facts-and-circumstances” test. The organization qualifies as a publiclysupported organizatIon ~..

18 Private foundation. If the organization did not check a box on line 13, 16a. 16b, 17a, or 17b, check this boxand seeInstructions ~.

iSA

Schedule A IForm 990 or 9oo-ez~ 2014

4E1226 2 000(r,.r99 223

COMMUNITY LOAN FUND OF NEW JERSEY INC 52—2872262

Schedule A (Form 990 Or 990~EZ) 2014 Page 3i~W11 Support Schedule for Organizations Described in Section 509(a)(2)

(Complete only if you checked the box on line 9 of Part I or if the organization failed to qualify under Part II.If the organization fails to qualify under the tests listed below, please complete Part II.)

Section A. Public Supportcalendar year (or fiscal year beginning in> ~- (a) 2010 (b) 2011 (c) 2012 (d> 2013 (e) 2014 (f> Total

I Gifts, grants, contributions, and membership fees

received. (Do not include any unusual grants.’)

2 Gross receipts from admissions, merchandise

sold or services performed, or facilities

furnished in any activity that is related to the

organization’s tax-exempt purpose

3 Gross receipts from activities that are not an

unrelated trade or business under section 513

4 Tax revenues levied for the

organization’s benefit and either paid

to or expended on its behalf

5 The value of services or facilities

furnished by a governmental unit to the

organization without charge

6 Total. Add lines 1 through 5

7a Amounts included on lines 1, 2. and 3

received from disqualified personsb Amounts included on lines 2 and 3

received from other than disqualifiedpersons that exceed the greater of 55.000or 1% of the amount on line 13 for the year

c Add lines 7a and 7b8 Public support (Subtract Itne 7c from

line 6.)

Section B. Total SupportCalendar year (or fiscal year beginning in> ~ (a) 2010 (b> 2011 (c) 2012 (d) 2013 (e) 2014 (f> Total

9 Amounts from lineSlOa Gross income from interest, dividends,

payments received on securities loans,rents, royalties and income from similarsources

b Unrelated business taxable income (less

section 511 taxes) from businesses

acquired after June 30, 1975

c Add lines iDa and lOb

11 Net income from unrelated businessactivities not included in line 1 Ob,whether or not the business is regularlycarried on ._______

12 Other income. Do not include gain orloss from the sale of capital assets

(Explain in Part VI)

13 Total support. (Add lines 9. lOc. 11,

and 12.)

14 First five years. If the Form 990 is for the organizations first, second, third, fourth, or fifth tax year as a section 501(c)(3)

organization, check this box and stop here

~Public Support Percentage15 Public support percentage for 2014 (line 8, column (f) divided byline 13, column (f)) 15 I %16 Public support percentage from 2013 Schedule A, Part Ill, line 15 16 %Sectio~p~p~~putation of Investment Income Percentage17 Investment income percentage for 2014 (line bc, column (f) divided by line 13, column (f)) 17 %18 Investment income percentage from 2013 Schedule A. Part III, line 17 18 __________

ISa 33113% support tests - 2014. If the organization did not check the box on line 14. and line 15 is more than 331/3%, and line

17 is not more than 331/3%. check this box atid stop here. The organization qualifies as a publicly supported organization ~

b 331/3% support tests - 2013. If the organization did not check a box on line 14 or line 19a, and line 16 is more than 331/3%, and

line 18 is not more than 331/3%. check this box and stop here. The organization qualifies as a publicly supported organization ~ [J20 Private foundation. If the organization did not check a box on line 14, 19a, or 19b, check this box and see instructions ~- L,,,,J

JSA Schedule A (Form 990 or990.EZ) 20144E1221 2000

COMMUNITY LOAN FUNU OF NEW JERSEY INC 222$72262Schedule A (Form 990 or 990-EZ) 2014 Page 4~ Supporting Organizations

(Complete only if you checked a box on line 11 of Part I. If you checked ha of Part I, complete Sections Aand B, If you checked 1 lb of Part I, complete Sections A and C. If you checked 1 ic of Part I, completeSections A, D, and E. If you checked 1 ld of Part I, complete Sections A and D, and complete Part V.)

Section A.~ —~ -

Yesi NoAre all of the organization s supported organizations listed by name in the organizations governingdocuments2 If “No,” descnbe in Part lfl how the supported organizations are designated If designated byclass or purpose describe the designation If historic and continuing relationship, explain 1 i

2 Did the organization have any supported organization that does not have an IRS determination of statusunder section 509(a)(l) or (2)7 If “Yes” explain in Part VI how the organization determined that the supportedorganization was descnbed in section 509(a)(1) or (2) 2 __________

3a Did the organization have a supported organization described in section 501(c)(4), (5), or (6)2 If “Yes,” answer I(b) and (C) below _________

b Did the organization confirm that each supported organization qualified under section 501(c)(4), (5) or (6) andsatisfied the public support tests under section 509(a)(2)2 if “Yes” descnbe in Part ~i7 when and how theorganization made the determination 3b _________

c Did the organization ensure that all support to such organizations was used exclusively for section l70(c)(2)(B) purposes2 If” Yes” explain in Part ~,7 what controls the organization put in place to ensure such tise _________

4a Was any supported organization not organized in the United States (“foreign supported organization”)2 If“Yes” and if you checked ‘11 a or ‘fib in Part I answer (b~ and ~c,l below _________

b Did the organization have ultimate control and discretion in deciding whether to make grants to the foreignsupported organization2 If “Yes” descnbe ni Part VI how the organization had such control and discretiondespite being controlled or supervised by or in connection with its supported organizations 4b

o Did the organization support any foreign supported organization that does not have an IRS determinationunder sections 501 (c)(3) and 509(a)(l) or (2)2 If “Yes,” explain in Part W what controls the organization usedto ensure that all support to the foreign supported organization was used exclusively for section 170(c) (2) (B)purposes 4c

5a Did the organization add, substitute, or remove any supported organizations during the tax year’? If “Yes”answei (b~ and ~ below (if applicable) Also, provide detail in Part (,~ including (i) the names and EINnumbers of the supported organizations added substituted, or removed, (u~ the reasons for each such action,(iii~ the authonty under tile organization’s organizing document authonzing such action and (iv) how the actionwas accomplished (‘such as by amendment to the organizing document) 5a _________

b Type I or Type II only. Was any added or substituted supported organization part of a class alreadydesignated in the organization’s organizing document’? ,—,,‘,‘,

c Substitutions only. Was the substitution the result of an event beyond the organization’s control2 ,.~,5, ...,._ —

6 Did the organization provide support (whether in the form of grants or the provision of services or facilities) toanyone other than (a) its supported organizations, (b) individuals that are part of the charitable classbenefited by one or more of its supported organizations or (c) other supporting organizations that alsosupport or benefit one or more of the filing organization s supported organizations2 If “Yes,” provide detail inPart VI. 6

7 Did the organization provide a grant, loan compensation or other similar payment to a substantialcontributor (defined in IRC 4958(c)(3)(C)), a family member of a substantial contributor, or a 35-percentcontrolled entity with regard to a substantial contributor2 lf”Yes/’ complete Part lot Schedule L (Form 990) ~,7,,

8 Did the organization make a loan to a disqualified person (as defined in section 4958) not described in line 72lf”Yes” complete Part lof Schedule L (Form 990) r~?,,.. I

9a Was the organization controlled directly or indirectly at any time during the tax year by one or moredisqualified persons as defined in section 4946 (other than foundation managers and organizations describedin section 509(a)(1) or (2))’? lf”Yes,” provide detail in Part 1.4 9a _________

b Did one or more disqualified persons (as defined in line 9(a)) hold a controlling interest in any entity in whichthe sLipporting organization had an interest’? If” Yes” provide detail in Part VI. 9b _________

c Did a disqualified person (as defined in line 9(a)) have an ownership interest in or derive any personal benefitfrom, assets in which the supporting organization also had an interest2 lf”Yes,” provide detail in Part W~ 9c _________

lOa Was the organization subject to the excess business holdings rules of IRC 4943 because of IRC 4943(f)(regarding certain Type II supporting organizations, and all Type Ill non-functionally integrated supportingorganizations)2 lf”Yes,” ansi’ver(b) below ba

b Did the organization have any excess business holdings in the tax year2 (Use Schedule C, Form 4720, todetermine whether the organization had excess business holdings) , lOb — —

JSA Scheduie A (Form 990 or 990-Ez> 20144E1229 2000

~7RA 2 3~.. 14—7. pT(~5’

Yes No11 Has the organization accepted a gift or contribution from any of the following persons?

a A person who directly or indirectly controls, either alone or together with persons described in (b) and (c)below, the governing body of a supported organization? ,_tt~. .o__

b A family member of a person described in (a) above?c A 35% controlled entity of a person described in (a) or (b) above? If “Yes’ to a, b. or c, provide detail in Part IlL lIc — —

Section B. Type I Supporting OrganizationsYes No

1 Did the directors, trustees, or membership of one or more sLipported organizations have the power toregularly appoint or elect at least a majority of the organization’s directors or trustees at all times during thetax year? If “No,” describe in Part VI how the supported organization(s) effectively operated. supervised, orcontrolled the organization’s activities. If the organization had more than one supported organization,describe how the powers to appoint and/or remove directors or trustees were allocated among the supportedorganizations and what conditions or restrictions, if any, applied to such powers during the tax year.

2 Did the organization operate for the benefit of any supported organization other than the supportedorganization(s) that operated, supervised, or controlled the supporting organization? lf”Yes, “explain in PartVI how providing such benefit carried out the purposes of the supported organization(s) that operated.supervised, or controlled the supporting organization. 2

Section C. Type II Supporting OrganizationsYes No

I Were a majority of the organization’s directors or trustees during the tax year also a majority of the directorsor trustees of each of the organization’s supported organization(s)? If “No,” describe in Part W how controlor management of the supporting organization was vested in the same persons that controlled or managedthe supported organization(s).

Section D. All Type III Supporting OrganizationsYes No

I Did the organization provide to each of its supported organizations, by the last day of the fifth month of theorganization’s tax year, (1) a written notice describing the type and amount of support provided during the priortax year, (2) a copy of the Form 990 that was most recently filed as of the date of notification, and (3) copies ofthe organization’s governing documents in effect on the date of notification, to the extent not previouslyprovided?

2 Were any of the organization’s officers, directors, or trustees either (i) appointed or elected by the supportedorganization(s) or (ii) serving on the governing body of a supported organization? If “No,” explain in Part Ill howthe organization maintained a close and continuous working relationship with the supported organization(s). 2

3 By reason of the relationship described in (2), did the organization’s supported organizations have asignificant voice in the organization’s investment policies and in directing the use of the organization’sincome or assets at all times during the tax year? If “Yes,” describe in Part Ill the role the organization’ssupported organizations played in this regard. 1 3

Section E. Type Ill Functionally-Inte9rated,Suppprtin Or anizations — —

Check the box next to the method that the organization used to satisfy the integral Part Test during the year (see instructions):a Ii The organization satisfied the Activities Test. Complete line 2 below.b I~ The organization is the parent of each of its supported organizations. Complete line 3 below.c Li The organization supported a governmental entity. Describe in Part VI how you supported a government entity (see instructions)

2 Activities Test. Answer (a) and(b) below.a Did substantially all of the organization’s activities during the tax year directly further the exempt purposes of

the supported organization(s) to which the organization was responsive? lf”Yes,”then in Part VI identifythose supported organizations and explain how these activities directly furthered their exempt ptirposes,how the organization was responsive to those supported organizations, and how the organization determinedthat these activities constituted substantially all of its activities.

b Did the activities described in (a) constitute activities that, but for the organization’s involvement, one or moreof the organization’s supported organization(s) would have been engaged in? If”Yes.” explain in Part i/I thereasons for the organization’s position that its supported organization(s) would have engaged in theseactivities but for the organization’s involvement.

3 Parent of Supported Organizations. Answer (a) and(b) below.a Did the organization have the power to regularly appoint or elect a majority of the officers, directors, or

trustees of each of the supported organizations? Provide details in Part VI.b Did the organization exercise a substantial degree of direction over the policies, programs, and activities of each F

of its supported organizations? If “Yes, “describe in Part Ill the role played by the organization in this regard. L — — —

JSA Schedule A tForm 990 or 990-EsI 20144512302000

COMNUNI’I’Y LOAN FOND OF NEW JERSEY INC 22—28722/2Scheduie A (Form 990 or990~Ez) 2014 Page 5~ Supporting Organizations (continued)

Yes No

2a

2b

3a

3b

,.~) / V t~—7 - J.h PAGE 18

COMNUN1TY LOAN FUND OF NEW JERSEY INC 22—2872262Schedule A (Form 990 or 990-EZ> 2014

~ Type Ill Non-Functionally Integrated 509(a)(3) Supporting Organizations

Page 6

1 [_j Check here if the organization satisfied the Integral Part Test as a qualifying trust on Nov. 20, 1970. See instructions. Allother Tvoe Ill non-functionally intearated supporting organizations must complete SectionsAthrough E.

Section A - Adjusted Net Income (A) Prior Year (B) Current Year(optional)

1 Net short-term capital gain I

2 Recoveries of~j9~- ear distributions 23 Other gross income (see instructions) 3

4 Add lines 1 through 3 4

5 Depreciation and depletion 5

6 Portion of operating expenses paid or incurred for production orcollection of gross income or for management, conservation, ormaintenance of property held for production of income (see instructions) 6

7 Other expenses (see instructions) 7

8 Adjusted Net Income (subtract lines 5, 6 and 7 from line 4) 8. . (B) Current Year

Section B - Minimum Asset Amount (A) Prior Year(optional)

I Aggregate fair market value of all non-exempt-use assets (seeinstructions for short tax_year_or assets held for_part_of year):a Average month’y value of securities Iab Average monthly cash balances lba Fair market value of other non-exempt-use assets Icd Total (add lines la, ib, and ic) Ide Discount claimed for blockage or otherfactors (explain in detail in Part VI): —

2 Acquisition indebtedness applicable to non-exempt-use assets 23 Subtract line 2 from line id 34 Cash deemed held for exempt use. Enter 1-1/2% of line 3 (for greater amount,see instructions). 4

5 Net value of non-exempt-use assets (subtract line 4 from line 3) 56 Multiply line 5 by .035 67 Recoveries of prior-year distributions 7

8 Minimum Asset Amount (add line 7 to line 6) 8

Section C - Distributable Amount Current Year

I_Adjusted_net_income_for_prior_year_(from_Section_A._line_8._Column_A)2 Enter 85% of line 1 23 Minimum asset amount for prior year (from Section B, line 8, Column A) 1 34 Enter greater of line 2 or line 3 . —_________________ .~.

5 Income tax imposed in prior year .~

6 Distributable Amount, Subtract line 5 from line 4. unless subject to

- emergency temporary reduction (see instructions) 67 LJ Check here if the current year is the organization’s first as a non-functionally-integrated Type III supporting organization (see

instructions).

JSA

Schedule A (Form 990 or990-EZ) 2014

491231 20009699NA 2237 2986552 PACE 19

COM7IUN 171 LOAN FOND OF DEN JERSEY INC 22—2872262Schedule A (Form 99001 990-EZ( 2014

1V4 Type Ill NonFunctionally lnteqrated 509(a)(3) Supportinq Orqanizations (continued)Page 7

-n - - - - -

Section D - Distributions Current Yearofganizations to~ -___________________

2 Amounts paid to perform activity that directly furthers exempt purposes of supported~

3 Administrative_expenses_paid_to_accomplish_exempt_purposes_of_supported_organizations4Amountsdto~gquire exempt-use assets5 Qualified_set-aside_amounts_(prior_IRS_approval_required)6 Other_distributions_(describe_in_Part_VI)._See_instructions.7 Total annual distributions. Add lines 1 through 6.8 Distributions to attentive supported organizations to which the organization is responsive

(provide details in Part VI). See instructions,9 Distributable_amount_for_2014_from_Section_C,_line_6

10 Line_8_amount_divided_by_Line_9_amount,.~ (ii) (iii)

Section E - Distribution Allocations (see instructions) Excess Distr’but’ Underdistributions DistributableI ions Pre-2014 Amount for 2014

Distributable amount for 2014 from Section C, line 62 Underdistributions, if any, for years prior to 2014

(reasonable cause required-see instructions)3 Excess distributions carryover if any, to 2014:

abcd

f Total_of_lines_3a_through_eg Applied to underdistributions of prior_yearsh__Applied_to_2014_distributable_amounti Carryover_from_2009_not_applied_(see_instructions)

j Remainder._Subtract_lines_3g._3h,_and_3i_from_3f,4 Distributions for 2014 from Section

D,_line_7: $a__Applied_to_underdistributions_of_prior_years

AppUed to 2014 distributable amountc__Remainder._Subtract_lines_4a_and_4b_from_4.

5 Remaining underdistributions for years prior to 2014, ifany. Subtract lines 3g and 4a from line 2 (if amountgreater than zero, see instructions). —_________

6 Remaining underdistributions for 2014. Subtract lines 3hand 4b from line 1 (if amount greater than zero, seeinstructions).

7 Excess distributions carryover to 2015. Add lines 3jand_4c.

8 Breakdown_of_line_7abC

d Excess from 2013

JSA

Schedule A (Form 990 or 990.Ez) 2014

4912323000- /L~fl 7/ PAGE 20

LOMi~:.JNiTY ZOAN A~NL) ON NNN JNRi~EY ThC ~2—2E72Z~2

Schedule A (Form 990 or 990-EZ) 2014 Page 8~21 Supplemental Information. Provide the explanations required by Part II, line 10; Part II, line 17a or 17b;

and Part Ill, line 12. Also complete this partfor any additional information. (See instructions).

200NO A N A, RORT I UIJ000AL COIRIHUIEONS

EN ‘~AX YNTI 20 , III OPGA(.TEOATEON REOF 1700 N GRANT THOR A HONK IE~ ORG

0:/UrINE OF $4, 00 ~, AN) THAI HAS HEElED UNUSTEAN.

Se Schedule A (Form 990 or990.EZ) 2014

4012253000/ L ~2

Schedule B Schedule of Contributors(Form 990, 990-EZ,or 990PF) ~ Attach to Form 990, Form 990-EZ, or Form 990-PRDepartment of the TreasuryInternal Revenue Service ~ Information about Schedule B (Form 990, 990-EZ, or 990-PF) and ta instructions is at www.irs.govlform99O.Name of the organizationCOMMUNI7.Y LOAN FUND OF NEW JERSEY INC

Employer identification number

52—2872262

Organization type (check one):

Filers of: Section;

Form 990 or 990-EZ LII 501 (c)(3 ) (enter number) organization

El 4947(a)(1) nonexempt charitable trust not treated as a private foundation

LII 527 political organization

Form 990-PF El 501 (c)(3) exempt private foundation

El 4947(a)(1) nonexempt charitable trust treated as a private foundation

El 501(c)(3) taxable private foundation

Check if your organization is covered by the General Rule or a Special Rule.Note. Only a section 501(c)(7), (8), or (10) organization can check boxes for both the General Rule and a Special Rule. Seeinstructions.

General Rule

El For an organization filing Form 990, 990-EZ, or 990-PF that received, during the year, contributions totaling $5,000or more (in money or property) from any one contributor, Complete Parts I and IL See instructions for determining acontributor’s total contributions.

Special Rules

For an organization described in section 501 (c)(3) filing Form 990 or 990-EZ that met the 33 1/3 % support test of theregulations under sections 509(a)(1) and 170(b)(1 )(A)(vi), that checked Schedule A (Form 990 or 990-EZ), Part II, line13, 16a. or 16b, and that received from any one contributor, during the year, total contributions of the greater of (1)$5,000 or (2) 2% of the amount on (i) Form 990, Part VIII, line 1 h, or (ii) Form 990-EZ, line 1. Complete Parts I and II.

El For an organization described in section 501 (c)(7). (8), or (10) filing Form 990 or 990-EZ that received from any onecontributor, during the year, total contributions of more than $1,000 exclusively for religious, charitable, scientific,literary, or educational purposes, or the prevention of cruelty to children or animals. Complete Parts I, II, and Ill.

For an organization described in section 501(c)(7), (8), or (10) filing Form 990 or 990-EZ that received from any onecontributor, during the year. contributions exclusively for religious, charitable, etc., purposes, but no suchcontributions totaled more than $1,000. If this box is checked, enter here the total contributions that were receivedduring the year for an exclusively religious, charitable, etc., purpose. Do not complete any of the parts unless theGeneral Rule applies to this organization because it received nonexclusively religious, charitable, etc., contributionstotaling $5,000 or more during the year

Caution. An organization that is not covered by the General Rule and/or the Special Rules does not file Schedule B (Form 990,990-EZ, or 990-PF), but it must answer “No” on Part IV, line 2, of its Form 990; or check the box on line H of its Form 990-EZ or on itsForm 990-PF, Part I, line 2, to certify that it does not meet the filing requirements of Schedule B (Form 990, 990-EZ, or 990-PF).

For Paperwork Reduction Act Notice, see the Instructions for Form 990, 990.Ez, or 990~PF.

JSA4e1251 2000

Schedule B (Form 990, 99o-Ez, or 990.PF) (2014)

0MB No. 1545-0047

~©14

El

9699HA 2291 V 14—7.16 2986552 PAGE 22

Schedule B (Form 990. 990-EZ or 990-PF> (2014) Page 2Name of organization ~ I~r~ ~O:~.C FUNL~ NE~ Jc~RSEY INC Employer identification number

~2-2N7C2rt2

Contributors (see instructions). Use duplicate copies of Part if additional space is needed.

(a) (b) (c) (d)No. Name, address, and ZIP + 4 Total contributions Type of contribution

---- . PersonPayroll

- -- - --- --. ------------~------------ $ ~ Noncash(Complete Part II for

—-.. noncash contributions.)

(a) (b) (c) (d)No._____ Name, address, and ZIP + 4 Total contributions Type of contribution

Person

Pay roll

$ ~ Noncash

(Complete Part II for

noncash contributions.)


Person

Payroll~ $ Noncash

(Complete Part Ii for



-— PersonPayroll

$ ~ Noncash




~.— - - Person

~ Payroll~ $ Noncash~ (Complete Part II for

— — — noncash contributions.)


- 2 Person~ Payroll L_J~ $ ~ Noncash Li~ (Complete Part II for~ noncash contributions.)

Schedule B tForm 990, 990-EZ, or 990-PFt t2014t

4512531 000/ - ~-l~

Schedrte B (Form 990. 990-EZ, or990-PF) (2014) Page 2Name of organization 000M1JN 155 LOAN FUND OF NEW JERSEY INC Employer identification number

~ 12—2852262

~iH Contributors (see instructions). Use duplicate copies of Part I if additional space is needed.


-- ,.~ -- PersonPayroll

~ $~ Noncash

(Complete Part II for-. noncash contributons.)

(a) (b) (c) (d)No. Name, address, and ZIP + 4 Total contributions — Type of contribution

Person

Payroll$ ~L’.bL Noncash L_I



(a) (b) (c) (d)No. Name, address, and ZIP + 4 Total contributions Type of_contribution

Person

Payroll. $ Noncash




Person

Pay roll———- $ Noncash




Person

Payroll$ Noncash




— — — Person~ Payroll

I $ Noncash Li~ (Complete Part II for

~ noncash contributions.)

Schedule B tForm 990, 990-EZ, or 990.PFI 12014)

4E1253 1 000~ /~ - ~ !~ ~ 2 —

Schedule B (Form 990, 990-El or 990-PF) (2014> Page 3Name of organization ~ EJN7 21W -,P$l~ “NC Employer identification number

22-22722

~~T~jI Noncash Property (see instructions). Use duplicate copies of Part II if additional space is needed.

(a> No. (c)from (b) FMV (or estimate) (d)

Description of noncash property given . . Date receivedran (see instructions>

$

(a) No. (c)from (b) FMV (or estimate) (d)

Description of noncash property given . . Date receivedrarli (see instructions)

$

(a) No. (c)from . FMV (or estimate) (d)

Description of noncash property given . . Date receivedPart I (see instructions)

$

(a) No. (c)from FMV (or estimate) (d)


- -- $

(a) No. (c)from FMV (or estimate) I (d)


$

(a) No. (C)

from (b) FMV (or estimate>Description of noncash property given . . Date receivedPart I (see instructions>

$

JSA Schedule B (Form 990, 990.EZ, or 990-PF) (2014)

421254 1 OCOi4—~.1b ~~252 P/(21 Z~

Schedule B (Form 990, 990-EZ, or 990-PF) (2014) Page 4Name of organization CDMSIUNITY LOAN SUNS OF NEW JERSEY INC Employer identification number

~ 22—2572265

~Tl Exclusively religious, charitable, etc., contributions to organizations described in section 501(c)(7), (8), or (10)that total more than $1,000 for the year from any one contributor. Complete columns (a> through (e) and thefollowing line entry. For organizations completing Part Ill, enter the total of exclusively religious, charitable, etc.,contributions of $1,000 or less for the year. (Enter this information once. See instructions.) ~ $Use duplicate copies of Part Ill if additional space is needed.

(a) No.from (b) Purpose of gift (c) use of gift (d) Description of how gift is heldPart_I

(e) Transfer of gift

Transferee’s name, address, and ZIP + 4 Relationship of transferor to transferee

(a) No.from (b) Purpose of gift (c) use of gift (d) Description of how gift is heldPart_I


Transferee’s name, address, and ZIP +4 Relationship of transferor to transferee

(a) No.from (b) Purpose of gift . (c) use of gift (d) Description of how gift is heldPartl I



I -------------

(a) No.from (b) Purpose of gift (C) use of gift (d) Description of how gift is heldPartl



JSA Schedule B (Form 990, 990-EZ, or 990-PF( (2014)4E1255 1 000

17 14—7.16 2986552 PAGE 26

SCHEDULE C Political Campaign and Lobbying Activities { 0MB No. 1545~0047(Form 990 or 990~EZ)I

For Organizations Exempt From Income Tax Under section 501(c) and section 527 ~© 14Department of the Treasu~ ~ Information about Schedule C (Form 990 or 990-EZ) and its instructions is at ~v.irs.gov/form99O.~- Complete if the organization is described below. ~‘ Attach to Form 990 or Form 990-EZ.

Internal Revenue Service 1nsp~éctIon282JIf the organization answered “Yes,” to Form 990, Part IV, line 3, or Form 990-EZ, Part V, line 46 (Political Campaign Activities), then

a Section 501(c)(3) organizations: Complete Parts I-A and B. Do not complete Part I-C.

a Section 501(c) (other than section 501 (c)(3)) organizations: Complete Parts I-A and C below. Do not complete Part I-B.0 Section 527 organizations: Complete Part I-A only.

If the organization answered Yes,” to Form 990, Part IV, line 4, or Form 990-EZ, Part VI, line 47 (Lobbying Activities), thena Section 501(c)(3) organizations that have filed Form 5768 (election under section 501(h)): Complete Part Il-A. Do not complete Part Il-B.a Section 501(cl(3) organizations that have NOT filed Form 5768 (election under section 501(h)>: Complete Part Il-B. Do not complete Part Il-A.

If the organization answered “Yes,” to Form 990, Part IV, line 5 (Proxy Tax) (see separate instructions) or Form 990-EZ, Part V, line 35c (ProxyTax) (see separate instructions), then

~ Section 501 (c)(4). (5), or (6) organizations: Complete Part III.Name of organization I Employer identification number

CONN:JNITF LOAN FUND OF NEW JERSEY INC 22—2872262

1~~T~j Complete if the organization is exempt under section 501(c) or is a section 527 organization.1 Provide a description of the organization’s direct and indirect political campaign activities in Part IV.2 Political expenditures ~ $3 Volunteer hours

~ Complete if the organization is exempt under section 501(c)(3).I Enter the amount of any excise tax incurred by the organization under section 4955W ~ $ _______________ _________

2 Enter the amount of any excise tax incurred by organization managers under section 4955 ~ $ ____________________________3 If the organization incurred a section 4955 tax, did it file Form 4720 for this year’? I Yes _J No

4a Was a correction made’? Yes ,~J No

b If “Yes.” describe in Part IV.Complete if the organization is exempt under section 501(c), except section 501(c)(3).

Enter the amount directly expended by the filing organization for section 527 exempt functionachvittes ~ $ ____________________________

Enter the amount of the filing organization’s funds contributed to other organizations for section527 exempt funchon acbvities ~ $ ____________________________

Total exempt function expenditures. Add lines 1 and 2. Enter here and on Form 1120-POL,Iinel7b ____________________

Did the filing organization file Form 1120-POL for this year’? Li Yes Li NoEnter the names, addresses and employer identification number (EIN) of all section 527 political organizations to which the filingorganization made payments. For each organization listed, enter the amount paid from the filing organization’s funds. Also enterthe amount of political contributions received that were promptly and directly delivered to a separate political organization. suchas a separate segregated fund or a political action committee (PAC). If additional space is needed, provide information in Part IV.

(a) Name (b) Address (c) BIN (d) Amount paid from (e) Amount of politicalfiling organization’s contributions received and

funds. If none, enter -0-. promptly and directlydelivered to a separatepolitical organization. If

none, enter -0-.

(1)

(2)

(3)

(4)

(5)

(6)

I

2

3

45

For Paperwork Reduction Act Notice, see the Instructions for Form 990 or 990-EZ. Schedule C (Form 990 or 990-E~~ 2014

JSA

4E1264 1 000~ V 14—7.16 2766552 PAGE 27

Schedule C (Form 990 or 990-hZ> 2014 CONRUNoI7’ LOAN FUND OF NEW JERSEY INC 72—2872262 Page 2I~TI1~ Complete if the organization is exempt under section 501(c)(3) and filed Form 5768 (election under

section 501(h)). ____________________________________________________________

A Check 1’~j if the filing organization belongs to an affiliated group (and list in Part IV each affiliated group membersname, address. EIN, expenses, and share of excess lobbying expenditures).

B Check ~.I I if the filino oroanization checked boxA and limited control Drovisions aoolv.Limits on Lobbying Expenditures (a> Filing (b) Affiliated

(The term “expenditures” means amounts paid or incurred.) organizations totals group totals

Ia Total lobbying expenditures to influence public opinion (grass roots lobbying)..,.. —______

b Total lobbying expenditures to influence a legislative body (direct lobbying)c Total lobbying expenditures (add lines la and ib)d Other exempt purpose expenditurese Total exempt purpose expenditures (add lines ic and id)f Lobbying nontaxable amount Enter the amount from the following table in both

columnsIf the amount on line le, column (a> or (b> is:l The lobbying nontaxable amount is:

Not over $500 000 120% of the amount on line ieOver $500 000 but not over $1 000 000 000 plus 15% of the excess over $500 000Over $1 000 000 but not over Si 500 000 $175 000 plus 10% of the excess overSi,000 000Over Si 500 000 but not over $17 000 000 $225 000 plus 5% of the excess over Si 500 000Over $17000 000 Si 000000

g Grassroots nontaxable amount (enter 25% of line if)h Subtract line 1 g from line 1 a If zero or less, enter -0-i Subtract line if from line ic If zero or less enter -0-j If there is an amount other than zero on either line ih or line ii, did the organization file Form 4720

repo bn~ sechon 4911 tax for this ear9 ..... Yes UN94-Year Averaging Period Under Section 501(h)

(Some organizations that made a section 501(h) election do not have to complete all of the five columns below.See the separate instructions for lines 2a through 2f.)

Lobbying Expenditures During 4-Year Averaging Period

Calendar year (or fiscal year (a> 2011 (b> 2012 (C) 2013 Id> 2014 (0> Totalbeginning in)

2a Lobbying nontaxable amount

b Lobbying ceiling amount I(150% of line 2a column (e)) I

c Total lobbying expenditures

d Grassroots nontaxable amount

e Grassroots ceiling amount I(150% of line 2d column (e)>

f Grassroots lobbying e~enditures

Schedule c (Form 990 or 990-En) 2014

JSA

4E1265 1 000/ ~—— l~ ~ —

COMMUNITY LOAN FUND OF NEW JERSEY I NC 22—2872262Page 3SchedWe C (Form 990 or 990-EZ) 2014

I~T~I~:1 Complete if the organization is exempt under section 501(c)(3) and has NOT filed Form 5768(election under section 501(h)).

(a) (b)For each Yes, response to lines la through Ii below, provide in Pail IV a detailed — —_________________

description of the lobbying activity. Yes No Amount

During the year, did the filing organization attempt to influence foreign, national, state or locallegislation, including any attempt to influence public opinion on a legislative matter orreferendum, through the use of:

a Volunteers2b Paid staff or management (include compensation in expenses reported on lines 1 c through ii)?c Media advertisements?d Mailings to members, legislators, or the public?e Publications, or published or broadcast statements?f Grants to other organizations for lobbying purposes?g Direct contact with legislators, their staffs, government officials, or a legislative body? —

h Rallies, demonstrations, seminars, conventions, speeches, lectures, or any similar means?~I Other activities? , , Sc

j Total Add lines 1 c through 1 i j~.~’’__,2a Did the activities in line 1 cause the organization to be not described in section 501(c)(3)? . —

b If “Yes.” enter the amount of any tax incurred under section 4912c If “Yes,’ enter the amount of any tax ncurred by organizabon managers under section 4912d If the filing organization incurred a section 4912 tax, did it file Form 4720 for this year° — N

~~Jj~Jj~ Complete if the organization is exempt under section 501(c)(4), section 501(c)(5), or section501(~,~__ ____________________________________________—

I Were substantially all (90% or more) dues received nondeductible by members?2 Did the organization make only in-house lobbying expenditures of $2,000 or less? I3 Did the organization agree to carry over lobbying and political expenditures from the prior year?I~1TI[1!~I Complete if the organization is exempt under section 501(c)(4), section 501(c)(5), or section

501(c)(6) and if either (a) BOTH Part Ill-A, lines I and 2, are answered “No,” OR (b) Part Ill-A, line 3, isanswered “Yes.”

I Dues, assessments and similar amounts from members2 Section 162(e) nondeductible lobbying and political expenditures (do not include amounts of

political expenses for which the section 527(f) tax was paid).a Current year ___________

b Carryover from last yearc Total

3 Aggregate amount reported in section 6033(e)(1)(A) notices of nondeductible section 162(e) dues ______

4 If notices were sent and the amount on line 2c exceeds the amount on line 3, what portion of theexcess does the organization agree to carryover to the reasonable estimate of nondeductible lobbyingand political expenditure next year?

5 Taxable amount of lobbvinq and political expenditures (see instructions)Supplemental Information

Provide the descriptions required for Part I-A, line 1 Part I-B. line 4: Part I-C, line 5; Part Il-A (affiliated group list); Part Il-A, lines 1 and2 (see instructions); and Part Il-B, line 1. Also, complete this part for any additional information.

SCHEDULE C, PART lI—B, LINE 1.1

THE ORGANIZATION PAID THE DISCLOSED AMOUNT TO ITS DESiGNATED GOVERNMENTAL

AFFAIRS AGENT.

.ISA451266 2006

5cheduie c (Form 990 or 990-Ez( 2014

ii

2a2b2c3 ________

/ V 14—7.16, 2986552 PAGE 29


Schedule C (Form 990 or990-EZ) 2014 Page 4

~ Supplemental Information (continued)

JSA Schedule C (Form 990 or 990-EZ( 2014

4E1500 1 000~1~h

SuppIementa~ Financia’ Statements~Complete if the organization answered Yes” to Form 990,

Part IV, line 6, 7,8, 9, 10, ha, lib, lic, lid, lie, Ill, 12a, or i2b.

~“ Attach to Form 990.

~ Information about Schedule D (Form 990) and its instructions is at wwwirs.gov/form99O.

~~rii~ Organizations Maintaining Donor Advised Funds or Other Similar Funds or Accounts.Com~Iete if the organization answered “Yes” to Form 990, Part IV, line 6.

. I (a) Donor advised funds (b) Funds and other accountsI Total number at end of year2 Aggregate value of contributions to (during year) _________________ __________

3 Aggregate value of grants from (during year) _________________________________________________________________________

4 Aggregate value at end of year5 Did the organization inform all donors and donor advisors in writing that the assets held in donor advised ri

funds are the organization’s property, subject to the organization’s exclusive legal control? ......... Li Yes El No6 Did the organization inform all grantees, donors, and donor advisors in writing that grant funds can be used

only for charitable purposes and not for the benefit of the donor or donor advisor, or for any other purposeconferring impermissible private benefit? El Yes El No

~ Conservation Easements.—~ Co m_piete if th~pXg~pization_answered ~‘t~fom99fartI~iirt~7.I P,,~pose(s) of conservation easements held by the organization (check all that apply).

Preservation of land for public use (e.g., recreation or education) Preservation of a historically important land areaProtection of natural habitat Preservation of a certified historic structurePreservation of open space

2 Complete lines 2a through 2d if the organization held a qualified conservation contribution in the form of a conservationeasement on the last day of the tax year. Held at the End of the Tax Year

a Total number of conservation easements _____________________________b Total acreage restricted by conservation easements ib~. _____________________________c Number of conservation easements on a certified historic structure included in (a).....d Number of conservation easements included in (C) acquired after 8/17/06, and not on a

historic structure listed in the National Register ____________________________3 Number of conservation easements modified, transferred, released, extinguished, or terminated by the organization during the

tax year ~

4 Number of states where property subject to conservation easement is located ~-

5 Does the organization have a written policy regarding the periodic monitoring, inspection, handling ofviolations, and enforcement of the conservation easements it holds’? El Yes El No

6 Staff and volunteer hours devoted to monitoring, inspecting, and enforcing conservation easements during the year

7 Amount of expenses incurred in monitoring, inspecting, and enforcing conservation easements during the year

8 Does each conservation easement reported on line 2(d) above satisfy the requirements of section 170(h)(4)(B)(i)and section 170(h)(4)(B)(ii)7 El Yes L_Zl No

9 In Part XIII. describe how the organization reports conservation easements in its revenue and expense statement, andbalance sheet, and include, if applicable, the text of the footnote to the organization’s financial statements that describes theorganization’s accounting for conservation easements.

~II~ Organizations Maintaining Collections of Art, Historical Treasures, or Other Similar Assets.Complete if the organization answered “Yes” to Form 990, Part IV, line 8.

Ia If the organization elected, as permitted under SFAS 116 (ASC 958), not to report in its revenue statement and balance sheetworks of art, historical treasures, or other similar assets held for public exhibition, education, or research in furtherance ofpublic service, provide, in Part XIII, the text of the footnote to its financial statements that describes these items,

b If the organization elected, as permitted under SFAS 116 (ASC 958), to report in its revenue statement and balance sheetworks of art, historical treasures, or other similar assets held for public exhibition, education, or research in furtherance ofpublic service, provide the following amounts relating to these items:(i) Revenue included in Form 990, Part VIII, line 1 ~ $(ii) Assets included in Form 990, PartX ~ $

2 If the organization received or held works of art, historical treasures, or other similar assets for financial gain, provide thefollowing amounts required to be reported under SFAS 116 (ASC 958) relating to these items:

a Revenue included in Form 990, Part VIII, line 1 ~ $b Assets included in Form 990. PartX ~ $

For Paperwork Reduction Act Notice, see the Instructions for Form 990.JSA4E1268 1 000

EHA 2E:3E

SCHEDULE D(Form 990)

Oepartment of the TreasuryIniernal Revenue ServiceName of the organization

C~t I ~rv ~J1 F ~F 1rF~ TFR~ ( :~i~

0MB No. 1545~OO47

~©14Open i~bhcy


22-2872262

Schedule 0 IForm 9901 2014

V 14-7.16 2966552 PAGE 31

COr’INUN1T’9 LC’AN FUND OF NE)’) ~JERSEY INC 22—2872262Schedule D (Form 990) 2014 Page 2

1~~T~J1I Organizations Maintaining Collections of Art, Historical Treasures, or Other Similar Assets (continued)

3 Using the organizations acquisition. accession, and other records, check any of the following that are a significant use of itscoflection items (check all that apply):

a Public exhibition d Loan or exchange programsb Scholarly research e Othero Li Preservation for future generations

4 Provide a description of the organization’s collections and explain how they further the organizations exempt purpose in PartXIII.

5 During the year, did the organization solicit or receive donations of art, historical treasures, or other similarassets to be sold to raise funds rather than to be maintained as part of the organization’s collection’7 ~ Yes No

~T~1I!~ Escrow and Custodial Arrangements. Complete if the organization answered “Yes” to Form 990, Part IV, line 9,or reported an amount on Form 990, Part X, line 21.

1 a Is the organization an agent. trustee, custodian or other intermediary for contributions or other assets notincluded on Form 990, Part X’~ Yes No

b If “Yes,” explain the arrangement in Part XIII and complete the following table:

o Beginning balance I ‘Icd Additions during the year Ide Distributions during the yearf Ending balance I if

2a Did the organization include an amount on Form 990, Part X, line 21, for escrow or custodial account liability?b If “Yes,” explain the arrangement in Part XIII, Check here if the explanation has been provided in Part XIII.

Amount~ 61, 605,463.

, —2,924,433.54,529,896.

LII Yes H No

Endowment Funds. Complete if the organization answered “Yes” to Form 990, Part IV, line 10.(a) Current year (b) Prior year (c) Two years back (d) Three years back (e) Four years back

I a Beginning of year balanceb Contributionsc Net investment earnings, gains, -~

and lossesd Grants or scholarships ________________ ________________ ________________ ________________ ________________

e Other expenditures for facilitiesand programs ________________ ________________ _______________ _______________ _______________

f Administrative expenses ________________ ________________ _______________ _______________ _______________

g End of year balance _______________ _______________ ____________ ___________ __________

2 Provide the estimated percentage of the current year end balance (line 1g. column (a)) held as:a Board designated or quasi-endowment ~. %b Permanent endowment ~ %o Temporarily restricted endowment ~. %

The percentages in lines 2a, 2b, and 2c should equal 100%.3a Are there endowment funds not in the possession of the organization that are held and administered for the

organization by: f~~s I No(i) unrelated organizations 3a(i)(ii) related organizations 3a(ii)

b If “Yes” to 3a(ii), are the related organizations listed as required on Schedule R? 3b -

4 Describe in Part XIII the intended uses of the organization’s endowment funds.~j!j~ Land, Buildings, and Equipment.

Complete if the organization answered “Yes” to Form 990, Part IV, line ha. See Form 990, PartX, line 10.Description of properly (a) Cost or other basis (b) Cost or other basis (c) Accumulated (d) Book value

(investment( (other) depreciationIa Land

b Buildings 53,766 53,766.c Leasehold improvements 61, 480. 23, 016 38, 464.d Equipment 415,06.5. 316,627 98,439.e Other

Total. Add lines 1 a through le. (Column (d) must equal Form 990, Pad X, column (8,1, line 10(c).) 1 90, 668.

JSA

Schedule D IForm ~~0I 2014

4E12e9l000 9S9OHA 2232“7 14—7 .16 2986552 PAGE 32

.50-7ZNZZI ZCAN ..c: CF NFW ;ERsE: 2SF 2—2.272262Schedule D (Form 990) 2014 Page 3

Investments Other Securities.Corn plete if the organization answered ‘Yes to Form 990 Part IV, line 1 lb. See Form 990, Part X, line 12.

(a) Descnption of security or category (b) Book value (c) Method of valuation:(including name of security) Cost or end-of-year market value

(1)Financialdenvatives ~. .._

(2) Closely-held equity interests(3)~

(A) 2: FZS—i.ELD c’.cj::: ::TERFS::; ~, .44, 922. CQS(B)(C)(D)(E)(F)(G)(H)

Total. (Column (b) must equal Form 990. PartX. col (B) line 12) ~ h, 4 , 92)

E~i!AIT~ Investments - Program Related.Complete if the organization answered ‘Yes’ to Form 990, Part IV, linellc See Form 990, Part X, Une 13.

(a) Description of a vestment (b) Book value (c) Method of valuation.Cost or end-of-year market value

(1)

~~-~___

(3)

-~----~___

(5)(6) -____________

(7)

~_______

(9)Total. (Column (b) must equal Fomi 990. Pail X, col. (B) line 13.) ~-

II Other Assets.Complete if the organization answered “Yes” to Form 990, Part IV, line 1 ld. See Form 990, Part X, line 15.

(a) Description (b) Book value

(1)2E2FD PIF-FZi iEZ~’[C3LF3 4,4.i,315.(2)2’SF (24 1.’CP — — —______________

(3)5:j..~r:)~..~.; CEZ’7CFZES

(4)r~R-.PF9T~’ ‘)F2~E; 2~ZF 2~LE , 5flS, Z~.(5) ‘;Fi C2’ ci: ::~- :c:-n TPJ17A’iZ 03),(6)”iiAi$S(7~Z’ZCJCFFSDd1 -____________________ (2Z,’32.(7)N.’C :-:::22 2:5 RECEIVCBLF 244,.~47.~ ZZ_~_____________ —_____

(9)Total. (Co/urn!? (b) must equal Form 990, PartX. Col. (B) line 15.) 1°, ~n5, I

~ Other Liabilities.Complete if the organization answered “Yes” to Form 990, Part IV, line lie or hf. See Form 990, Part X,line 25.

1. (a) Description of liability (b) Book value(1) Federal income taxes(2)ACFRT2(f: ‘(7~9iZST I’C’LZCF —~ 255,955.

(3) )‘A6222’ZFkZ’JS. AFREFFENT 7, 22~(4)(5)(6)(7)(8)(9)

Total. (Column (b) must equal Form 990, Part X col. (B) line 25) ~ 263, 183.

2. Liability for uncertain tax positions. In Part XIII, provide the text of the footnote to the organization’s financial statements that reports theorganization’s liability for uncertain tax positions under FIN 48 (ASC 740). Check here if the text of the footnote has been provided in Part XIII L~i421270 1 ~ 5chedule B (Form 990) 2014

~_iJ / 1~—— A C I

Of’1~i ZCAN CF NEF JFRSEY FC ~?~8722c2Schedule D (Form 990( 2014 Page 4L~1 Reconciliation of Revenue per Audited Financial Statements With Revenue per Return.

Complete if the organization answered Yes’ to Form 990, Part IV, line 12a.I Total revenue, gains, and other support per audited financial statements 1 ______________

2 Amounts included on line 1 but not on Form 990, Part VIII, line 12:a Net unrealized gains (losses) on investments ab Donated services and use of facilities 2b ________________

c Recoveries of prior year grants 2cd Other (Describe in Part XIII.) 2d _________________

e Add lines 2a through 2d _________________

3 Subtract line 2e from line I 3 __________________

4 Amounts included on Form 990. Part VIII. line 12, but not on line 1:a Investment expenses not included on Form 990. Part VIII, line 7b _______________

b Other (Describe in Part XIII.) 4b _________________

o Add lines 4a and 4b 40 ________________

5 Total revenue. Add lines 3 and 4c. (This must equal Form 990, Part I. line 12.) . . . . 5 _________________

~ Reconciliation of Expenses per Audited Financial Statements With Expenses per Return.Complete_if the_organization_answered_“Yes”_to_Form_990,_Part_IV,_line_12a. ______________

1 Total expenses and losses per audited financial statements ________ ________

2 Amounts included on line 1 but not on Form 990, Part IX, line 25:a Donated services and use of facilities 2a _______________

b Prior year adjustments 2b ________________

c Other losses 2c ___________

d Other (Describe in Part XIII.) 2d ________________

e Add lines 2a through 2d . . 2e ___________

3 Subtract line 2e from line I 3 _________________

4 Amounts included on Form 990, Part IX, line 25, but not on line 1:a Investment expenses not included on Form 990, Part VIII, line 7bb Other (Describe in Part XIII,) 4b ________________

o Add lines 4a and 4b 4c ________________

5 Total expenses. Add lines 3 and 4c. (This must equal Form 990, Part?, line 18.) 5 ________________

*~Tfl Supplemental Information. ______________________________________Provide the descriptions required for Part II, lines 3, 5, and 9: Part III, lines la and 4: Part IV, lines lb and 2b; Part V. line 4; Part X. line2: Part XI, lines 2d and 4b: and Part XII. lines 2d and 4b. Also complete this part to provide any additional information.

~EE PACE

JSA Schedule 0 lForm 9901 2014451271 I 000

°~~HA2~ 17 J.i- 20~’~Z52 P~”~.’E .34

ccr:uai:ry :caz; rrcn OF Nfl JER~’LY :sc 22—0J722t2 p~ 5~i biformatlon (continued)

E?CW)W AND c~;sTOra ARP.ANJENEX’PC

$tHFD’ES D, ?AR2 :v, L1t~E ..B

OTheR ~S~FTS ‘0T :NCLuDEr ON 70W 990, flIt? 7. 21W ORG.~lCZ4”~0N

WCT:JIS:nc’ we •c.uS LCAN kOCLS (ts BE-ALF O~ THIRD PAPT:ES. ~HE

~RGAttZA’flcfl r.OES ~1fF RE~0RD THE L”ANS RECEIVABLE ASSOr:ATED WITH THESE

E:4oc•’nx~ LX ~? FINANCiAL SIATENENT$’ AS ITS FE3POhSaBa~U~Y IS Lz;:TEL’ to

~ :c”::. ..tri oi ,¾u’nrrrFsTNG T:z roa;s.

AZCUW ‘NCaDt2i ON FORM i.9C, CART )~, L:NE 21 tHE ORGRN:ZA’21011 HAS 33NL5

:.~r REfWL2IW tPCL4 THE LaM) POOLS 2.! ADN1NIdTERS ON BkHAL! CF

TJC~C. ?4RT 73. ViZ O’2AN1 FATtO~C AT SO “T’)S W3~fl~5 FOR rU2tflE FEFS i,ND

EXPENSES THAT w:LL BE INCURRED BY iTS BORROWERS AND OTHER PARTICIWiSTS.

FIN 4c 1’CC ~ UNVEP2A1N TAN F021T1CN

JD”Ei) ~7 r, “i~RT X, LtNF

cu-ri AN~ LENDrcs EA~.TNERS ARE EXEMPT FROM FEDERAL INCOME ‘~MES ~JNDER

5ECW13N MY ~C :~ JF THE CODE. AS NONPROFIT ENTITIES, ThEf ARE ALSO

z~rr Fk.t cEP: •EMh?t CC~PORA1E ..NCJNE TAXES. THERE ARE CLRt~A:N

Tp~’.r.,r .t~s ~n~r nJ:.n H; ~EF.VEP ~NR~LX!ED BTSINFSS ;NCCIF ANr WOrl.D

p~~5~: IN ~ TAX LU~B~~Y. WtXAGEVENT cEVIEWS TRANSACTIONS TO ESTflPTE

POtEN’ :ai. ThX L:s~B.zL..’iIEs 7S1K0 A ?hsi.;HO..: 01 MORE L:aLY THAN NOT. ..T

Z3 .‘fl.AGL’SN’iS LST1EkTI’)N THAT THEtIS AxlE NO MATERIAL ~AN ~:ABIL:nEJ tHAT

NflL .C RE l~~rn:sirD N! SEP:r6BER 33, ~315 AND :014.

SchiduI 0 (Foes 090)2014

4012251000°i~~)H; 2.fl V 14—7.31 2~8E552 FAGS St.

Supplemental Information Regarding Fundraising or Gaming Activities

Complete if the organization answered Yes to Form 990, Part IV, lines 17, 18, or 19, or if theorganization entered more than $15,000 on Form 990-EZ, line Oa,

~ Attach to Form 990 or Form 990-EZ.

Information about Schedule G (Form 990 or990-EZ( and its instructions is at www.irs.gov/form99O,

Name of the organization Employer identification number


~ Fundraising Activities. Complete if the organization answered “Yes” to Form 990, Part IV, line 17.~ Form 990-EZ filers are not required to Complete this_part.

hicltcate whether the organization raised funds through an of the following activities. Check all that apply.a I....J Mail solicitations e Solicitation of non-government grantsb L....J Internet and email solicitations f Solicitation of government grantsc [.~ Phone solicitations g Special fundraising eventsd L_J In-person solicitations

2a Did the organization have a written or oral agreement with any individual (including officers, directors, trusteesor key employees listed in Form 990, Part VII) or entity in connection with professional fundraising services? El Yes El No

b If “Yes,” list the ten highest paid individuals or entities (fundraisers) pursuant to agreements under which the fundraiser is to becompensated at least $5,000 by the organization.

Ii) Name and address of individual liii) Did fundraiser have lv) Amount paid toor entity (fundraisert (ii) Activity custody or control of liv) Gross receipts (or retained by) (Vi) Amount paid tofrom activity fundraiser listed in br retained by)contributions? cot. Ii) organization

Yes No

2

3

4

5

6

7

8

9

10 — —

Total3 List all states in which the organization is registered or licensed to solicit contributions or has been notified it is exempt from

registration or licensing.

For Paperwork Reduction Act Notice, see the Instructions for Form 990 or 990-Ez.JSA4~1281 1000

/

Schedule G (Form 990 or 990-Ez) 2014

SCHEDULE G(Form 990 or 990-EZ)Department of the TreasuryInternal Revenue Service

0MB No. 1545-0047

~©14

V 14—7.16 2986552 FLUE 36

(a> Event #1 (b) Event #2 (c) Other events — (d) Total events

GALA (add col, (a> through

(event type) (event type) )totat number) col, (c))

~ 1 Grossrecepts ~ 114,875. 114,875.

2 Less: Contributions 73, 680. 73,660.3 Gross income (line 1 minus

line2) 41,195. 41,185.

4 Cash prizes

5 Noncashprizes 5,540.1 2,540.

~ 6 Rent/facility costs 30, 514. 30, 514.a)

~ 7 Food and beverages

~ 8 Entertainment 6,500. 6,500.

~ 9 Otherdirectexpenses 14, 486. 14, 486.

110 Direct expense summary. Add lines 4 through 9 in column (d) 54, 040.11 Net income summary. Subtract line 10 from line 3, column (d) —11, 045.

I~TT~ Gaming. Complete if the organization answered “Yes” to Form 990, Part IV, line 19, or reported morethan $1 5,000 on Form 990-EZ. line 6a.

(a) Bingo hi~g~~rogressveb~go (c) Other gaming c~? (a)thr~ugh~o~(c))

0~ 1 Gross revenue

~ 2 Cash prizes

. 3 Noncash prizes ——______________

~ 4 Rent/facility costsc~

5 Other direct expenses

— Li Yes LI Yes________ % Lj~’es %6 Volunteer labor Li No Li No UN

7 Direct expense summary. Add lines 2 through 5 in column (d)

8 Net_gaming_income_summary._Subtract line 7

9 Enter the state(s) in which the organization conducts gaming activities: _______________________________________________________a Is the organization licensed to conduct gaming activities in each of these states? Li Yes Li Nob If “No,” explain:

10 a Were any of the organization’s gaming licenses revoked, suspended or terminated during the tax year?b If “Yes,” explain:

LiYesLNo

JSA

Schedule 0 (Form 990 or9gO.Ez) 2014

Schedule 0 )Fornr 990 or990-EZ) 2014

COMMUNITY LOAN SLIMS OF NEW JERSEY INC 22—2872262

I~1I!1I Fundraising Events. Complete if the organization answered “Yes” to Form 990, Part IV, line 18, or reported morethan $15,000 of fundraising event contributions and gross income on Form 990-EZ. lines 1 and 6b. List events wfthgross receipts greater than $5,000.

Page 2

4b1282 1 0CC~699NA 2531 V 14—7.16 2986552 PAGE 37

CONMIJNITY LOAN EUND OF NEW DERSEY INC 72—2872262

Schedule G (Form 990 or 990-EZ) 2014 Page 311 Does the organization conduct gaming activities with~ ~ Li Yes Li No12 Is the organization a grantor, beneficiary or trustee of a trust or a member of a partnership or other entity

formed to administer charitable gaming’? ~ Yes No13 Indicate the percentage of gaming activity conducted in:

a The organizatIon’s facility I 3a %b An outside facility I 3b %

14 Enter the name and address of the person who prepares the organizations gaming/special events books andrecords:

Name ~

Address ~‘

15a Does the organization have a contract with a third party from whom the organization receives gamingrevenue’? E]Yes Lu No

b If “Yes,” enter the amount of gaming revenue received by the organization D~ $ and theamount of gaming revenue retained by the third party ~ $

o If “Yes,” enter name and address of the third party:

Name ~

Address ~

16 Gaming manager information:

Name ~

Gaming manager compensation ~‘ $

Description of services provided ~

Director/officer LL Employee Independent contractor

17 Mandatory distributions:a Is the organization required under state law to make charitable distributions from the gaming proceeds to

retain the state gaming license’? LZ Yes El Nob Enter the amount of distributions required under state law to be distributed to other exempt organizations

or spent in the organization’s own exempt activities during the tax year ~. $I~II~ Suppiernental Information, Provide the explanation required by Part I, line 2h, columns (iii) and (v), and

Part Ill, lines 9, 9b, lob, 15b, 15c, 16, and 17b, as applicable. Also provide any additional information(see instructions), ________ ___________________________ ______________________________________

Schedule 0 lForm 990 or 990-EZl 2014

JsA491503 2000

9699HA 2231 V 14—7.16 2986552 PAGE 39:

SCHEDULE I

(Form 990)

Department of the TreasuryInternal Revenue ServiceName of the organization

COMMUNITY LOAN FUND OF NEW JERSEY INC

Grants and Other Assistance to Organizations,Governments, and ~ndividuaIs in the United States

Complete if the organization answered “Yes” to Form 990, Part IV, line 21 or 22.

~ Attach to Form 990.

~ Information about Schedule I_(Form 990) and its instructions is at www.irs.govlform99o.

0MB No. 1545-0047

~©14

I~II General Information on Grants and AssistanceI Does the organization maintain records to substantiate the amount of the grants or assistance, the grantees eligibility for the grants or assistance, and

the selection criteria used to award the grants or assistance? L~ Yes No2 Describe in Part IV the organization’s procedures for monitoring the use of grant funds in the United States.

Open to PublicInspecti~n


22 2872262

I~11Ild Grants and Other Assistance to Domestic Organizations and Domestic Governments. Complete if the organization answered ‘Yes” to Form 990,Part IV, line 21, for any recipient that received more than $5,000. Part II can be duplicated if additional space is needed.

I (a) Name and address of organIzatIon (b) EIN (~) IRC section (d) Amount of cash (e) Amount of ~ ~ (9) Description of (h) Purpose of grantor government if applicable Wanl cash assistance orh~rt non-cash assistance or assistance

~L~.si~n.oNT,r1~c.~ii~~3 pnr~:c:ET3t~ ‘3m 22—~im,3j4i, 3) ‘3, 3’i). 3[m~33c 3’ PPQ3RI’343

GImErnA1

3mm,~ m:o)l \‘13mm I’l,$31 f’~tm1m21r,, %,JOim’3lCm [:3—33151:36 501 (3m Ii) 3il, 5~9 ‘1~I’lSAN1OFF3’.6T

J~,) [SLI%,, 33, - —~

0 ‘111311) S1RSSi’T3Kc313’Th, N,! 03.631 [2—239’3ij3 50131 131 35,757. [0141033(33

~L~____

(5)~

(6)

(7)

(8)

(9)

(10)

(11)

(12)

2 Enter total number of section 501 (c)(3) and government organizations listed in the line 1 table 3.3 Enter total number of other organizations listed in the line 1 table

For Paperwork Reduction Act Notice, see the Instructions for Form 990.

JSA

Schedule I (Form 990) (2014)

451255 1.0509699HA 2 31 V 14—7. 16 2986552 PAGE 39

(a) Type of grant or assistance )b) Number of (c) Amount of (d) Amount at (a) Method of valuation (book, (f~ Description of non-cash assistancerecipients cash grant nun-cash assatunce FMV, appreiset other(

2

3

4

5

6

7I~TiI~YI Supplemental Information. Complete this part to provide the information required in Part I, line 2, Part Ill, column (b), and any other additional

information.

PROCEDURE FOR MONITORING USE OF E;RANT FUNDS

THE GRANT RECIPIENT SUBM:ETs MONTHLT A REPORT CONTAINING THE PROGRAM

DELIVERABLES THAT WERE (NET ANI:) THE AMOUNI’ OF THE GRANT S PENT . THE

ORGAIJIZATLON REVIEWS THIS REPORT BEFORE REIMBURSING THE GRAET RECI PIENT

FOR THE EXPENSES INCURRED.

JSA

Schedule (Form 990) (2014)

COMMUNITY LOAN FUN!) OF NEW JERSEY INC 22—2872262

Schedule (Form 990) (2014) __________________________________________________________ Page 2

IJ~TilllI Grants and Other Assistance to Individuals in the United States. Complete if the organization answered Yes on Form 990, Part IV, line 22.Part Ill can be duplicated if additional space is needed.

4515n4 iaon9699HA 223]. V 14-7.16 2966552 PAGE 4 0


22—2872262.

Ia Check the appropriate box(es) if the organization provided any of the following to or for a person listed in Form990, Part VII, Section A, line 1 a. Complete Part Ill to provide any relevant information regarding these items.~ First-class or charter travel Housing allowance or residence for personal use

Travel for companions I Payments for business use of personal residenceTax indemnification and gross-up payments Health or social club dues or initiation feesDiscretionary spending account Personal services (e.g., maid, chauffeur, chef)

If any of the boxes on line la are checked, did the organization follow a written policy regarding paymentor reimbursement or provision of all of the expenses described above? If No,’ complete Part III toexplainDid the organization require substantiation prior to reimbursing or allowing expenses incurred by alldirectors, trustees, and officers, including the CEO/Executive Director, regarding the items checked in linela?

4 During the year, did any person listed in Form 990, Part VII, Section A, line la, with respect to the filingorganization or a related organization:

a Receive a severance payment or change-of-control payment?b Participate in, or receive payment from, a supplemental nonqualified retirement plan?c Participate in, or receive payment from, an equity-based compensation arrangement?

If ‘Yes” to any of lines 4a-c, list the persons and provide the applicable amounts for each item in Part Ill.

Only section 501(c)(3), 501(c)(4), and 501(c)(29) organizations must complete lines 5—9.5 For persons listed in Form 990, Part VII, Section A, line Ia, did the organization pay or accrue any

compensation contingent on the revenues of:a The organization?b Any related organization?

If “Yes” to line 5a or 5b, describe in Part III.6 For persons listed in Form 990, Part VII, Section A, line 1 a, did the organization pay or accrue any

compensation contingent on the net earnings of:a The organization?b Any related organization?

If “Yes” to line 6a or 6b, describe in Part III.7 For persons listed in Form 990, Part VII, Section A, line la, did the organization provide any non-fixed

payments not described in lines 5 and 6? If “Yes,” describe in Part III8 Were any amounts reported in Form 990, Part VII, paid or accrued pursuant to a contract that was subject

to the initial contract exception described in Regulations section 53.4958-4(a)(3)? If “Yes,” describein Part III

9 If “Yes’ to line 8, did the organization also follow the rebuttable presumption procedure described inRegulations section 53.4958-6(c)? —

Schedule J (Form 9901 2014

0MB No. I 545-0047

~14Inspection

SCHEDULEJ Compensation information(Form 990) For certain Officers, Directors, Trustees, Key Employees, and Highest

Compensated Employees~- Complete if the organization answered Yes’ on Form 990, Part IV, line 23.

Oepari,rre,rt of the Treasury ~ Attach to Form 990.Internet ReuenueSersrce ~ Information about Schedule J (Form 990) and its instructions is at www.irs.gov/form99O.Name of ire organization7’oMr,.yri.ii~v LOAN FUND OF NEW JERSEY INC

IflTII Questions Regarding Compensation

b

2

3 Indicate which, if any, of the following the filing organization used to establish the compensation of theorganization’s CEO/Executive Director. Check all that apply. Do not check any boxes for methods used by arelated organization to establish compensation of the CEO/Executive Director, but explain in Part III.

Compensation committee Written employment contractIndependent compensation consultant X Compensation survey or studyForm 990 of other organizations ~ Approval by the board or compensation committee

For Paperwork Reduction Act Notice, see the Instructions for Form 990.

JSA

4E12bO 1 0009699HA 223]. 14—7.16 2986552 PAGE 4].

COMMUNITY LOAN E’UND OF’ NEW JF;RSFf,Y INC 22—2872262

Schedule J (Form 090) 2014 Page 2I~7i(I Officers, Directors, Trustees,~Compensated~ _____

For each individual whose compensation must be reported in Schedule J, report compensation from the organization on row (i) and from related organizations, described in theinstructions, on row (ii). Do not list any individuals that are not listed on Form 990, Part VII.Note. The sum of columns (B)(i)-(iii) for each listed individual must equal the total amount of Form 990, Part VII, Section A, line la, applicable column (D) and (E) amounts for thatindividual.

(B) Breakdown of W-2 and/or 1 099~MlSC compensation IC> Retirement and (D) Nontaxabte (B) Total of columns IF> Compensation

(A) Name and Title (II Base (ii) Bonus & incentive (iii) Other other deferred benefits (B)(i)-(D) in column (B) reportedcompensation compensation reportable compensation as deterred in prior

compensation Form 990

JACQUELINE ROBINSON 0) 144,774. C C 27,508. 26,856. 199,1313.

~ ‘~1i1np FL~J;~;;~t, ~‘V~I~ER (ii> C (MARIE MASCHERIN (I) 158,900. q C 29,182. 1,907. 189,989.

2 LE’N:Ji~n~. Er~:rrt~ c 4 1MARK MUNLEY (0 153,705. C 9,578. 35,754. — 199,037.

3 •~i1 i~.F i~’~ MV~rtT ‘~1i~iLER (ii) I CWAYNE MEYER 208,190. -_____ 9,386. 26,904. 244,480.

~ PR!,. ~)EN~ ) C ci I

(i)5

(i)6

(i)

7(i)

8 (ii)

(i)9

(i)

10 (ii)

(i)

11 (ii)

(I)

JiL___ ....__ 01)(I)

13 (ii)

(i)

14 (ii)

(I)

15 (ii)

(I)16

JSA45129! 1.000

Schedule .1 (Form 990) 2014

00000000

9699HA 2231 V 14—7.16 2986552 PAGE 42

COMMUNITY LOAN 1(LJND OF NEW JERSEY INC 22—2872262

Schedule J (Form 990) 2014 Paqe 3

I~TIllI Supplemental Information _____________ ____________________

Complete this part to provide the information, explanation, or descriptions required for Part I, lines la, lb. 3, 4a, 4b, 4c, 5a, 5b, 6a, 6b, 7, and 8, and for Part II.Also complete this part for any additional information. __________ _______

Schedule J (Form 990) 2014

JSA

491505 10009699HA 2231 V 14—7.16 2986552 PAGE 43

SCHEDULE L Transactions With Interested Persons(Form 990 or 990-EZ) ~ Complete if the organization answered “Yes” on Form 990, Part IV, line 25a, 25b, 26, 27, 28a,

28b, or 28c, or Form 990-EZ, Part V, line 38a or 40b. ______

Department of the Treasury ~‘Attach to Form 990 or Form 990-EZ.Internal Revenue Service ~ Information about Schedule L (Form 990 or 990-EZ) and its instructions is at www.irs.gov/form99O.

I 0MB No. 1545-0047

__~14Name of the organization Employer identification number

COSUNTTYLOJN FUND CF NEW JERSEY INC 22—2872262

I~1III Excess Benefit Transactions (section 501(c)(3). section 501(c)(4), and 501(c)(29) organizations only).Complete if the organization answered “Yes” on Form 990, Part IV, line 25a or 25b, or Form 990-El Party, line 40b.

. . )b) Relationship between disqualified person and (dl1 (a) Name of disqualified person organization (c) Description of transaction yesi No

(1)

(2)

(3)

(4)

(5)

(6)

2 Enter the amount of tax incurred by the organization managers or disqualified persons dLlring the yearunder sectton 4958 ~ $

3 Enter the amount of tax, if any, on line 2, above, reimbursed by the organization ~‘- $

I~TU Loans to and/or From Interested Persons.Complete if the organization answered Yes’ on Form 990-EZ, Part V, line 38a or Form 990, Part IV, line 26; or if theorganization reported an amoLint on Form 990, Part X, lineS, 6, or 22.

(a) Name of interested person (b) ReiaiiossNp Ic) Purpose of (d) Loan tool (e) Original (f) Balance due (g) In default?~(h) Approved (I) WrittenwOfl organization sun from the principal amount by board or agreement?

ATTACHMENT I srgasizaths? committee?

Yes No Yes No~(1)(2)

(3)

(4)

(5)(6) , t(7)(8) I’(9) 1

(10) [Total ~ $ 2,897.1I~~TT~ Grants or Assistance Benefiting Interested Persons.

Complete if the organization answered “Yes” on Form 990, Part IV. line 27.(a) Name of interested person (b) Relationship between interested I)c) Amount of assistance Id) Type of assistance (e) Purpose of assistance

person and the organization

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

(9)(10)

orm 990 or 990-EZ.For Paperwork Reduction Act Notice, see tile Instructions for I

JSA4E1297 1 000

Schedule L )Form 990 or 990-EZ) 2014

9699HA 2231 V 14—7.16 2986552 PAGE 44

COMNUNITY LOAN F’UND OF NEW JERSEY INC 22—2872262

Schedule L (Form 990 or 990-EZ( 2014 Page 2I~Ik!~ Business Transactions Involving Interested Persons.

Complete if the organization answered ‘Yes” on Form 990, Part IV, line 28a, 28b, or 28c.

(a) Name of interested person (b) Relationship between (c) Amount of (d) Description of transaction (e) Sharing ofinterested person and the transaction erganizaton’s

organization renenues?

Yes No(1)(2)(3) —

(4) — —

(5)(6)(7)(8) ——---——— ——-—__________________ — —

(9)(10)~ Supplemental Information

Provide additional information for responses to questions on Schedule L (see instructions).

Schedule L (Form 990 or 990-EZ) 2014

PAGE 45

Jue4C1507 1 000

Ct699NA 2235 37 14—7.16 2986552


Schedule L (Form 990 or 990-EZ) 2014 Page 2E~Ti1h!~ Business Transactions Involving Interested Persons.

Complete if the organization answered Yes on Form 990, Part IV, line 28a, 28b, or 28c.(a) Name of interested person (b) Relationship between (c) Amount of (d) Description of transaction (e) Sharing of

interested person and the transaction nigancafossorganization revenues’

Yes I No(1)(2)(3)(4) —

(5)(6)(7)

~--

(9)(10)ITh~.4 Supplemental Information

Provide additional information for responses to questions on Schedule L (see instructions).

ATTACHMENT 1

NAME RELATIONSHIP PURPOSE TO FROM ORIGINAL BALANCE DUE TN I N I N

1,166.

I, 14 9.

N 500.

1,225. N N N

1,172. N N N

500. 3: N N

Schedule L (Form 990 or990.EZ) 2014JSA401507 1 000

7699H7\ 2231 V 14—7.16 2386552 PAGE 46

SCHEDULE 0 Supplemental Information to Form 990 or 990-EZ(Form 990 or 990-EZ)

Complete to provide information for responses to specific questions onForm 990 or 990.~EZ or to provide any additional information.

Department at the TreasuryInternat Revenue Serace ~ Attach to Form 990 or 990-EZ.Name of the organ~zatort

COMMUNITY lOAN FUND OF NEW JERSEY INC

FORM 099 REVIEW

FORM:l’O, PART VI, SECTION B, LiNE 113

THE DRAFT 990 RETURN IS REVIEWED AND APPROVED BY SENI OR MANAGEMENT. A

FINAL VERSI.O1.’i OF THE FORM 990 AS IT WILi.~ ULTIMATELY BE FILED WITH THE IRS

WILL BE PROVIDED TO EACH VOTING MEMBER OF THE BOARD OF DIRECTORS PRIOR TO

FILING.

CONFLICT OF INTEREST

FORM 990, PART VI, SECTION 3, LINE 12C

THE ORGANIZATION HAS A CONFLICT OF INTEREST POLICY COVERING BOARD MEMBERS

AND STAFF . STAFF AND BOARD MEMBER.S ARE PROVIDED WITH A CONFLICT OF

INTEREST POLICY STATEMENT PROVIDING GENERAL DIRECTION AS TO THE

ORGANIZATION’ S EXPECTATIONS OF’ APPROPRIATE BEHAVIOR. THE BOARD’ DELEGATES

T~ CON IC ACC ID ~RFCT IS TiP TO THF ON~ONT ~OHTTT

HOWEVER, IF A MEMBER OF THE CREDIT COMMITTEE DECLARES HIMSELF TO HAVE A

CONFLICT OF INTEREST WiTH RESPECT TO ANY ITEM OTHERWISE WITHIN COMMITTEE

JURISDICTION, THAT ITEM MILL INSTEAD BYPASS THE COMMITTEE AND BE

CONSIDERED BY THE FULL BOARD rNITRt THE INTERESTED MEMBER ABSTAINING.

APPROVAL OF’ COMPENSAT ION

FORM 990, PART Vi, SECTION B, LINE 15A

INDEPENDENT MEMBP,RS OF THE BOARD OF DIRECTORS’ USE COMPARABLE, OBJECTIVE

DATA TO DETERMINE THE COMPENSATION OF THE ORGANIZATION’ S PRESIDENT AND

EXECUTIVE. DIRECTOR INCLUDING BUT NOT LIMITED TO, SECTOR. SURVEYS,

For Privacy Act and Paperwork Reduction Act Notice, see the Instructions for Form 990 or 990-EZ.JSA

4E1227 1 000~ )H /~ 1 ~‘-c ON

0MB No, I 545~OD47

~14


22 ~‘2 972262

Schedule 0 (Form 990 or 990-EZ) (2014)

PAGE 47

Paqe 2Schedule 0 (Form 990 or990-EZ( 2014

Name of the organizahon Employer identification number

rOC;NII K LCAN FUND IF NEW JERSEY IN~ Z2~2S72262

GEGGRAPH~C CALOPY .LRVEYXAN OTHER BENCHMARKS AND THE BOARD’S

DEl PRYIJ NA~ EON I S EIKE4DRIAZI LED CON JYNPORANEOJJLY IN ~ COMNUN 1 l~-~1 100

VANCANRD BY TEll BOARD 7105 CHAIR.

AVAILOPILITS 000’i;NENCS

FRAIl 3~., PART VI, SECTION 0, PAGE Is

THE CPRANIZAE’ION RANKS iTS GOVERNING DOJUIJENIS, CONFLICT OF INTc~REST

PCITC AND r OANCIAL CRARAEIFCTC AVATLAPCE TO THE PURl. IC UPON RFQCEST.

SALES OF SECURITIES

FORM 530, PART 41 41 , CRAP CA—C

ANCENTS PEE RATED ON iINES 10—70 AROSE FLOW SALES OF RAIlED INCOME

INVESTMENT.! I ION LOWER ILUEREST RATES, WHICH WERE ThEN REPLACED WITH

FIXFD RACOME TN7FSTMZNTS NI TN FJTGOEP INTEREST RATES

ATTACHMENT I

FRAN 411, PAST III — PROGRAM SERVICE, LINE 4A

CCNI41NITY 140141 P11CC OF ‘lEN JERSEY (CLFWJ) TRANSFORMS RA—RISK

CON UNITIES THROOGH STRATEGIC INVESTMENTS OF CAPITAL AND

:ENjWLKLAE. IN ADDITION TO ITS FINANCING, SEAl ICING, AND REAL

PIRATE oTTIJI LED, CLFNu PROViDES TECHE1CAL ASSiSTANCE, POLICY

0070 1A41 410 TRAINING, AND IMPACT ASSESSMENT RESEARCH AND STUDIES,

IN CREPE LEVERAGC POSTTI41E COMMUNITY IMPACTS IN r;r~flEpsFPv~fl

NEICRADRACICS SiN IE 715 INCERAION IN 1 9°, ILFNJ HAS GROWN FROM A

514014 7OLJVTFER—BASEZ! LOAN FOND OP $1 145, DSP TO A HIGH—CAPACITY

CCJ-NEOMI’Y EVERA:-J-1EET Ii RAUR WITH ~ThVES $436 NILLION T CAPITAl

lOlLER NANAGEIIENRA GLRA I HAD CLOSED 513 LOANC AND INVESTMENTS

TOTALiNG 5I I IIILLIRA, 41-RAH HAS LETERAGED O’JER 3435 N1LLION 411

JSA Schedule 0 (Form 990 or 990-EZ) 2014

7 I4—7,16 EAGF 4°491228 1 000

~053HT~ 2030 RA56’S32

~J4R ‘~PT~72TT4 CAPITOl TOP HOUSTOG, PRO IONIC DEVIITODNFNT AND

CDL~ON ~Y FACILITY PROJECTS THAT BENEFIT LOW INCON1E INDIVIDUALS

AND OYA’O~IES. THZSE NVE2~T.iENTS HAVE CREATED OR PRESERVED:

64~Z ~ SYI 4N735, 2,152 JO~S, 5,r21 EDUCATION SEATS, 4,392

C~CA2ESDCTS, lOlL LO’RP 2.2 NI..~LI~N 2CUARI: FEET HP C’V4NUNETY AND

COT;: TRCIA~ ~ATTi ITTES . IN P32215, CL~NJ CLOSED 23 zoooS AND

IAESTWENIS SOCALTND 22.2 NIIILION.

ACUACHIIENT 2

‘OYLE’iC? ION

3 2 2, 4 2

Schedule 0 (Form 990 or 990-EZ) 2014

V 4—~.16 P2GW 42

Schedule 0 (Form 990 or 990-EZ) 2014 Page 2Name of he organization

CGi4N::N~TY LOON FOND OF NEW JERSEY INCEmployer identification number

22-2S7226~

ATTACHNENT 1 (CONY’D~

995, PDP~ VTT-~ CLNO?ENSETON O~TilT F~E HIGHEST PAIR TNT. CONTRI.CTORS

NAFF ARE. ODEDIECS DESCRIPTION OF 2RR~~1CCS

PR:~7E’lAHCF ~ORTFOLI 2 LIDIlSIENENT LLC INVESTNENT 5lANA’~ER

IO~ TIOAIS EHUPANoPEF. SHAH, IL C25~

‘SISESHNI, 2.4’. OFGAL SERVICESPH l3’SH ~INEW THINK, DY

CAKARA HONE ILHI,CI’PIIENT L’~C SONSTREICTIUN

1:1142,1—K, N :1 3

H,993.

I 1’, 21

JSA

4E1228 1 0009O~’DH~ 2211

COMMUNITY LOAN iIuNl: OF NEW JERSEY INC 22—2872262

Related Organizations and Unrelated Partnerships~ Complete if the organization answered “Yes” on Form 990, Part IV, line 33, 34, 35h, 36. or 37.

~“ Attach to Form 990.Department of the TreasuryInternal moos Setoce ~ Information about Schedule R (Form 990) and its instructions is at wwwirs.gov/form99O.Name of the organization

CoMMUNITY LOAN FUND 01” NEW JERSEY INC

-. Identification of Disregarded Entities Complete if the organization answered “Yes” on Form 990, Part IV, line 33.

(a) (b) (c) (d) (e)Name, address, and BIN (f applicable) of disregarded entily Primary activity Legal domicile (state Total income End-of.year assets Direct controlling

or foreign country) entity~LLC 46—0733644108 CHURCH STREET, 3RD FLODR NEW BRUIJSW:CK, NJ 0890]. MORTGAGE LOAN DR —1, 301. 33, 409. CLFNJ, INC.~C~PITr~L IILLC~6-2/~.52~J108 CHURCH STREET, 3R1: FLOOR NEW BRUNSWICK, NJ 0890:1. M0RI:’GAGE LOAN OF :1.7, 089. 25,281. CLEW], INC.J~)j~A~IONAL_COMMUNITY_CAPITAL HOLDINGS, LLC 46—2602101LOB CHURCH STREET, 3R1) FLOOR NEW BRUNSWICK, NJ 08901 MORTGAGE LOAN DE 84, 090. 2, 457, 158. C:LFNJ, INC.

i~L~~__

(5)

(6)

I~flIlI Identification of Related Tax-Exempt Organizations Complete if the organization answered “Yes” on Form 990, Part IV, line 34 because it hadone or more related tax-exempt organizations during the tax year.

(a) (b) (c) (d) (a) (f) (g)Name, address, and BIN of related organization Primary activity Legal domicile (state Eeempt cede section Pttblic charity status Direct controlling Section 512(b>(13)

or foreign country) (if section 501 (c)(3)) entity entity’

Yes No(1) (~on:t.1Rt1IT~ LF.D’.’tNG PARTHzP,D D~ DJ INi~ 03—0472940

~ cH:J~c~~nF~’, ~, ~‘,OOfl LtRU~OcHC~, 11J 0810. SUPEORT ORG NJ 501 (C) (31 11 I CLFNJ, INC. X

(2)

(3>

(4)

(5>

(6)

~ .

For Paperwork Reduction Act Notice, see the Instructions for Form 990. Schedule R (Form 990) 2014

SCHEDULE R(Form 990)

0MB No. 1545-0047

~©14Open to Public

InspectionEmployer identificatton number

22—2872262

JSA451307 1,000

9699HA 2 31 V 14—7.16 2986552. PACE 50

COMMUNIIY:L0ANJ (‘UN I) 0’ NEW 3ERS EY :LNc 22—2S72262

Schedule P (Form 990) 2914

Identification of Related Organizations Taxable as a Partnership Complete if the organization answered “Yes” on Form 990, Part IV, line 34because it had one or more related organizations treated as a partnership durinci the tax year

Page 2

(a) (b) (c) (d) (e( (ci (g) (It) (I) (fl (k)Name, address, and EIN of Primary activity Legal Direct controlling Predominant Share of total Share of end-of- o,ee,n~~,c Code V-UBl General or Percentage

related organization domicile entity ~ income year assets ~ amounl in box 20 managing ownership(stale or excluded from of Schedule K-I partner9foreign tax under (Form 1065)

country) sections 512-514)Yes No yesi No

~ —

1111 cliJoc): .400114, /04.4 04000 c~l’~ 101 ~RT 011 0/A 01:1014/NO (1 p — X N — . 1000

(2) c:0000;o;1 :o E(u4’ty l”400 111 00/4

1,411 0)01002 0101100, 310, 110000 14O10i’ir’illilF 11 0/0. 101,40’)) —ii, o’:’p’. 1 —

~100 ‘111100)1 2/FEET, 3114) 101,1010 I)IEOTNENT 011 ti/A RELIITFO —1, 441. >: N — 44.101)

~

1011 0110000 0400110, too ozoop, 1101’ploloErt’r 1/11 or/A 0/LA/EN —1,010. 1 0. >: .0100

~5},3/10:/ 011 0011 1)0 20-131 0114

(6) 01 r I I 1 lI 1 1 -. — of, v

14/ (‘FIll/C) 0(001:1, 311 00000 ))4/004r40144 1)4 0/0 1010400 —140. 1 — i/GO

(7) 1:11/00001 01)1 011 20—1311/tIp

0110 ‘1il11009:/TIEIIT, 3/0 11,00)1 11l1/FOTilNN’l NJ 2,/A 1:10400 —4. — N 4 — . 1000

III Identification of Related Organizations Taxable as a Corporation or Trust Complete if the organization answered ‘Yes on Form 990, Part lv,‘ line 34 because it had one or more related organizations treated as a corporation or trust during the tax year.

(a) (It) (c) (d) (e) (f) (g) (It) (I)Name, address, and EIN of related organization Primary activity Legal domicile Direct controlling Type of entity Share of total Share of Percentage Section

(siaie arroreign entity (C corp, S corp, or income end-of-year assets ownership ~cauniny) trust)

Yes No(1) 101230000/N 0111:01102, 100. 22—1410111

.10 t//31~I/1 5400)40, 41’)) 9100li 1400 S140:iS)’iICA, 1)4 0)110 I’P.02i 11+. WORN. COO 04 01,104, 11)4. C 00110 —5 411. 1,100, 110. 01.0011 N

(2) ):u14141,i)TTN 0/4201’ 000110101”ATIOli 01111 0001011/Ill) .1)1—.) /00)14.1

14/ 011411111) 040111,4 , 30, 41000 0101 101lJ1101l/i4 04/0914 000101’ HO11001FiINIII 04 C03’t’lJti/Tl 100)) 000/0 44, ‘1’15. 0’, 113, 4/2. 00.0000 N

(3)

(4)

(5)

(6)

(7) L ——

JSA4E1308 1,000

Schedule R (Form 990) 2014

9699HA 2231 V 14-”). 16 2.986552 PAGE 51

C0MMU1[TY:L.c1AN FUN!:) OF’ NEW ~si~ss~ INC 22—2872262

Schedule P (Form 990) 2014 Page 2Identification of Related Organizations Taxable as a Partnership Complete if the organization answered “Yes” on Form 990, Part IV, line 34because it had one or more related organizations treated as a partnership during the tax year.

(a) (b) (c) (d) (e> (f~ (g) (N) (I) (j) (k)Name, address, and EIN of Primary activity Legal Direct controlling Predominant Share of total Share of erid~of- r,,,o Code V-UBl General er Percentage

related organization domicile entity 1g~~1~~od income year assets ~ amount in box 20 managing ownershipfstate or excluded from of Schedule K-I partner?foreign lax tinder (Fore, 1065)

country) sections 512-514) ..._J — —

Yes No Yes No~

i~ c-iwce :301.14131, 3R~ ~:ooR 1IIVID1TMEINT NJ 0/A 0000000 .34, 003. 0

i~Li.:Jcc old:

10$ .~liUR/>5 0014001, .110. IDoON ill’ 01700111 0J N/A .11 3.~4 N — 0:1:0

~C 000 001.11404 553 27-33445153

100 ‘IlIUMt/N 000140,0, 3033: noR 1070000040 NJ 11/A 01150000 1. 522. 14 14 .1>500

j~) >51cc :11/I: i404i{I1ICTDN 1>53031.1 sc

10$ 0511005 IT0014T, 31410 11000 11lV0.110011’i 11,1 N/A ROL000I) 55. ‘11. — N X — .0.01

(S 0.3 CON 00005 1110 15-10>4533

:111 01110CR STREET 3RD 00.100 1070051.1040 NJ Il/A ROLA55D 35. or.> . — y — . 0

(6) N 300 0110 1OVC2FL.L!6~~ OH Cl/Or:) 1031.110., .30. 01,000 1070001.iEi1’l 1/ Il/A 0000701) 1. ill. — 0 — .1301)

(7)5~c3r.o 1041011 510 .15—105470.

I~T..I~A Identification of RelaLed Organizations Taxable as a Corporationo Trust Complete if the organization answered “Yes” on Form 990, Part IV, 01~ line 34 because it had one or more related organizations treated as a corporation or trust during the tax year.

(a> (N) (c) (d) (e) (f~ (g) (It> (I)Name, address, and SIN of related organization Primary activity Legal domole Direct controlling Type of entity Strare of total Share of Percentage Section

(state er foreign entity (C corp. S carp, or income end-of-year assets ownership ~countO) trust) eei,ty7

Yes1 No(1)

(2)

(3)

(4)

(5)

(6)

(7)

JSA451305 1.800


96991-IA 223]. V 14—7.16 2986552 PAUl:] 52

CCI4MUE;JITY LOAN) F’UND 0))’ IoEW JELRSELY :i:Nc 22—2872262


Identification of Related Organizations Taxable as a Partnership Complete if the organization answered Yes” on Form 990, Part IV, line 34because it had one or more related organizations treated as a partnership during the tax year.

Page 2

(a) (b) (c) (d) (e) (fl (g) (h) (I) (fl (k)Name, address, and EIN of Primary activity Legal Direct controlling Predomtnant Sitare of total Share of end-of- ~ Code V-DOt General or Percentage

related organization domicile entity income1E;el~ted. income year assets ~ amount in box 20 olanaying ownership~ state or excluded from of Schedute K-) parrnra2foreign tax under (Form 1065)

country) sections 512-514) — .- — —

Yes No Yes No

(Es%~iE±..s1~oz3.2LL1.101. 01>11634 300>400, 71003 I000:;3TIIII’IT 03 7-1/A 167:1,071:) ‘. 742. >7 >7 —

~‘1 >000 27>70322 12020>07.170 9/9. :)El,$7/~:; —10/, 1/11. , 531.01:. >7 — >7 35.1274

~~L)2V_____7 01 3111>73)1 :170>700, 310) 0:01)0 1920001071 or 7; /0 SIL0000 —539 . 331, 9 7. — >7 >7 .0) 9:075

j~)poo>soi 0>: 110 GHN20900) 9>730010

43) $50111 OTIADOr I1IVE1TIIE1IO >13 N/A OLIL0003 17,4>0. 114,659. — N — >7 10)2)0

.i!LVa:so->7 Nio:1/ 00-2

:01 7:10116311 200>700, 3>75 0/OuR 110/E0)N1INT 0.3 11/A I6OL0010r 11 0 >1 >7 .1060

(6) >4303 01)0 >115/002>72 0)0) 20)3204

61 2>1)000 11100>77, .303 0;2 00 00/00700310 >13 >1/9 9009:103 6 1 >7 4 — 50.02)6

(7) 1133/2212 020234 003 •)6—3>00366

711’:HJ?.c4 079,017T, 307 >0003 107/ESTM)21T 03 >03 -0310001) 5 0 — — .0:6)

~ Identification of RelaLed Organizations Taxable as a Corporation or Trust Complete if the organization answered Yes on Form 990, Part IV,~ line 34 because it had one or more related organizations treated as a corporation or trust during the tax year.(a) (b) (c) (d) (e( (f) (g) (It) (i)

Name address, and EtN of related organization Primary activity Legal donoote Direct controlling Type of entity Share of total Share of Percentage Section(state orteragn entity (C corp. S corp, or income end-of-year assets ownership ~

country) trust>

Yes No(1)

(2)

(3)

(4)

i~

(6)

(7)

JSA4et358 1.eea


9699HA 2 31 V 14-7.16 2986552 PAGE 53

COMMUNITY LOAN FUND OF NEW JERSYFY INC 22—2872262

Schedule P (Form 990) 2014 Page 2Identification of Related Organizations Taxable as a Partnership Complete if the organization answered “Yes’ on Form 990, Part IV, line 34because it had one or more related organizations treated as a partnership during the tax year.

(a) (b) fe) (d) (a) (f~ (g) (It) (I) (5 (k)Name, address, and SIN of Primary activity Legal Direct controlling Predontiriant Share of total Share of arid-of- ~ Code V-UN General or Percentage

related organization domicile entity Income (related. income year assets u~~,c; amount in box 20 manaqing ownership)state or excluded from of Schedule K-I partner?foreign tax under (Form 11)65)

country) SectionS 512-514) — — — —

Yes No Yes No

~.OL ~il’JRr;ii ~;TP,EET , i~L ~UtR T~lJiGiTMLN? L:.l 11/A il/ID 11

.__t~)__.___2JCCl i/I MI/Il/CU

C//I il:.~~iD?,EET fill/I I’ll/lIP ‘I/A I) 1

~C/Il 1111/I/Ill U/I/I/IT i/Il I 11)11/I Il// U U 1/ U

(4)1//Icc CD/I l’J~i/Ii Li/I: ~7—459fIr/I

i/Il lilt/Ic/I UT/I/Il/IT .11/ID P1,0011 ‘IA 0 — — 1’. 1//It

i~j--.-.-----___

(6)

i~L._____

~ Identification of Related Organizations Taxable as a Corporation or Trust Complete if the organization answered “Yes on Form 990, Part IV,~ line 34 because it had one or more related organizations treated as a corporation or trust during the tax year.(a) (b) (c) (d) (e) (f) (g) (h) (I)

Name, address, and EIN of related organization Primary activity Legal domicrle Direct controlling Type of entity Share of total Share of Percentage Section(state or rareign entity (C corp. S corp. or income arid-of-year assets ownership ~

country) trust) entity?

YesI No(1)

(2)

(3)

(4)

(5)

(6)

(7)

JSA4E130e 1.000


9699HA 2231 V 14—7.16 2986552 PAGE 54

COMMUNITY LOAN FUND CF NEW JERSEY INC 22~—2S72262

Schedule S (Form 9901 2014 Page 3

-. Transactions With Related Organizations Complete if the organization answered “Yes’ on Form 990, Part IV, line 34, 35b, or 36.

Note. Complete line 1 if any entity is listed in Parts II, Ill, or IV of this schedule. Yes No

During the tax year, did the organization engage in any of the following transactions with one or more related organizations listed in Parts ll-IV?a Receipt of (i) interest (u) annuities (in) royalties or (iv) rent from a controlled entity Ia ‘Cb Gift, grant, or capital contribution to related organization(s) lb >1o Gift, grant, or capital contribution from related organization(s) Ic — Xd Loans or loan guarantees to or for related organization(s) Id >~e Loans or loan guarantees by related organization(s) J~..

f Dividends from related organization(s) ifg Sale of assets to related organization(s) Xh Purchase of assets from related organization(s) iii _~.

i Exchange of assets with related organization(s) iiLease of facilities, equipment, or other assets to related organization(s) IL .i

k Lease of facilities, equipment, or other assets from related organization(s) _..~

I Performance of services or membership or fundraising solicitations for related organization(s) IIm Performance of services or membership or fundraising solicitations by related organization(s) Im —

n Sharing of facilities, equipment, mailing lists, or other assets with related organization(s) . . .

o Sharing of paid employees with related organization(s) lo X

p Reimbursement paid to related organization(s) for expenses jp ICq Reimbursement paid by related organization(s) for expenses ig~ ~

r Other transfer of cash or property to related organization(s) IL .Z.s Other transfer of cash or property from related organization(s) Is >~2lf the answer to any of the above is “Yes,” see the instructions for information on who must complete this line, including covered relationships and transaction thresholds. —

(a) (b) (C) (d)Name of related organization Transaction Amount involved Method of determining

lype (a-s) amount involved

(I) COI-IMUN1TY LENDING PAR’I’NERS OF NEW JERSEY, INC A 55, 500. F9IV

(2) COMMUN ui’y LENDING PARTNERS OF NEW JERSEY, I NC N, 0 242, 215. REV

(3) COMMUNITY ASSET PRESERVATION CORPORATION D 28, 28:. REV

(4) COMMUNITY ASSET PRESERVATION CORPORATION A 49, 220. EMV

(5) COMMUNITY ASSET PRESERVATION CORPORATION D 360,127, FMV

(6) COMMUNITY ASSET PRESERVATION CORPORATiON U 6’~0, 924 . REV

JSA Schedule R (Form 990) 2014401309 1.000

969913A 2 31. V 14-7 .1.6 2986552 PAGE 55

Sched,rIe C (For,,, 9901 2014

COMNUNI [‘9 tOLl! FUN 1) 01’ NEW JERSEY INC 22—2872262

Page 3

_______ Transactions With Related Organizations Complete if the organization answered “Yes’ on Form 990, Part IV, line 34, 35b, or 36.

Note. Complete line 1 if any entity is listed in Parts II, Ill, or IV of this schedule.During the tax year, did the organization engage in any of the following transactions with one or more related organizations listed in Parts ll-lV?

a Receipt of (I) interest, (ii) annuities, (iii) royalties, or (iv) rent from a controlled entityb Gift, grant, or capital contribution to related organization(s)c Gift, grant, or capital contribution from related organization(s)d Loans or loan guarantees to or for related organization(s)e Loans or loan guarantees by related organization(s)

f Dividends from related organization(s)g Sale of assets to related organization(s)h Purchase of assets from related organization(s)i Exchange of assets with related organization(s)

Lease of facilities, equipment, or other assets to related organization(s)

k Lease of facilities, equipment, or other assets from related organization(s)I Performance of services or membership or fundraising solicitations for related organization(s)m Performance of services or membership or fundraising solicitations by related organization(s).n Sharing of facilities, equipment, mailing lists, or other assets with related organization(s) .

o Sharing of paid employees with related organization(s)

p Reimbursement paid to related organization(s) for expensesq Reimbursement paid by related organization(s) for expenses

2 If the answer to any of the above is “Yes, see the instructions for information on who must complete this line, including covered relationships and transaction thresholds.(a> (b) (C> (d)

Name of related organization Transaction Amount involved Method of determiningtype (a-s) amount involved

(1) COMMUN .1 ‘I’Y ASSET PRESERVATI ON CON IPORATION N, C) 263, 2~ I. . F’MV

(2) NEW JERSEY COMMUNITY CAP:L’:[’AL FUND 1 A 90, 51:1 . [ClOY

(3) CCC HOLDINGS LLC A 128,831.

(4) NCC HOLDINGS LLC 0 114,271. FMV

(6) (‘ABC NJ ASSNT STABiLIZATION FUND #1 LLC D 952, 406. FlIT

(6) CAPC NJ ASSET STABILIZATION FUND #1 LLC A 13, 846. BlOT

Yes No

IalbIcIdIc

If

IhIi

IL

1k•1IImInlo

i-P

Ir

Is

Other transfer of cash or property to related organization(s)s Other transfer of cash or property from related orqanization(s).

JSA Schedu’e R (Form 990) 2014451309 1000

9699HA 2231 V 14-7.16 2986552 PAGE 56


COMMUIJI’:rY L0A12 122ND o~ NEN J1ERSEY iRic 22—2872262

Page 4

Unrelated Organizations Taxable as a Partnership Complete if the organization answered Yes on Form 990, Part IV, line 37

Provide the following information for each entity taxed as a partnership through which the organization conducted more than five percent of its activities (measured by total assetsor gross revenue) that was not a related organization. See instructions regarding exclusion for certain investment partnerships.

(a) (b) (c) (d) 1°) lo) (h( (I) (~) (k)Name address and SIN of entity Primary actaity Legal domicile Predornir,anl Are all partners Share of Share of o,eas,temm Code V - US General or Percentage

(state er foreign income (related. section total income end-of-year altocnt:o,,s’ amount in box 20 managing ownershipcountG) unrelated, occluded r ~ c3) assets at Schedule K- t ptneG

from lax onder ,9g95zatmons~ (Form loeS)sections_512-5141 Yes No Yes No Yes No

...(.1) —

j~j~—____

J~)___________

(4)

i_._..

(6)

j-fl_______________________

(8)

~

(10)

(11)

(12)

(13)

(14)

(15)

(16)

JSA401310 1.000


9699HA 2.231 v 14—7.16 2986552 PAGE 57

CON8IUNITY LOAN FUND OF NEW JERSEY INC 22—2872262

Schedule R (Form 990> 2014 Page 5

I~1T~I1I Supplemental InformationComplete this part to provide additional information for responses to questions on Schedule R (seeinstructions).


4h1510 1 00014— Sc ~ 2 U

Documents

990 14 - New Jersey Community Capital (NJCC) | · Under section 501(c), 527, or 4947(a)(1) of the Internal Revenue Code ... assessments, or similar amounts as defined in Revenue Procedure