Civic Intelligence

Core Association of Realtors Inc

EIN 22-1831517 • 501(c)6 • South River, NJ

Profile

CORE Association of Realtors Inc., exists to support all segments of its membership, in concert with the New Jersey Realtors (NJR) and the National Association of Realtors (NAR), by developing and delivering competitive programs, services, products and information, which enhance the ability to conduct business successfully and ethically, and to promote the extension and preservation of the right to own, transfer, and use real property.

14 Old Bridge TurnpikeSouth River, NJ 08882

metrocentrerealtors.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

72nd percentile

0.39x

Higher debt load relative to assets than 72% of similar nonprofits.

501(c)6 • $5M-$10M nonprofits • Source year 2024

Liabilities / Revenue

92nd percentile

1.19x

Higher debt load relative to revenue than 92% of similar nonprofits.

501(c)6 • $5M-$10M nonprofits • Source year 2024

Net Margin

50th percentile

4.4%

Higher net margin than 50% of similar nonprofits.

501(c)6 • $5M-$10M nonprofits • Source year 2024

Top Officer Pay

24th percentile

$165,385

Higher top officer pay than 24% of similar nonprofits.

Top officer pay equals 9.4% of source-year revenue.

501(c)6 • $5M-$10M nonprofits • Source year 2024

Asset Growth

35th percentile

1.4%

Faster asset growth than 35% of similar nonprofits.

501(c)6 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Revenue Growth

94th percentile

45%

Faster revenue growth than 94% of similar nonprofits.

501(c)6 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets72nd percentile

Assets

Up

$5,312,500

Up $75,654 (+1.4%) from 2023

Liabilities

Up

$2,086,121

Up $106,899 (+5.4%) from 2023

Net Assets

Down

$3,226,379

Down $31,245 (-1.0%) from 2023

Operations
Liabilities / Revenue92nd percentileNet Margin50th percentile

Revenue

Up

$1,757,288

Up $546,403 (+45%) from 2023

Expenses

Up

$1,679,216

Up $403,946 (+32%) from 2023

Net Income

Up

$78,072

Up $142,457 (+221%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth35th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$6.0M$4.0M$2.0M$0Assets 2010: $825,371Liabilities 2010: $243,438Net Assets 2010: $581,9332010Assets 2011: $800,220Liabilities 2011: $263,534Net Assets 2011: $536,6862011Assets 2012: $826,934Liabilities 2012: $288,890Net Assets 2012: $538,0442012Assets 2013: $746,553Liabilities 2013: $236,326Net Assets 2013: $510,2272013Assets 2014: $807,416Liabilities 2014: $296,595Net Assets 2014: $510,8212014Assets 2015: $950,320Liabilities 2015: $368,725Net Assets 2015: $581,5952015Assets 2016: $708,019Liabilities 2016: $357,959Net Assets 2016: $350,0602016Assets 2017: $814,198Liabilities 2017: $382,322Net Assets 2017: $431,8762017Assets 2018: $1,772,888Liabilities 2018: $376,374Net Assets 2018: $1,396,5142018Assets 2019: $1,579,717Liabilities 2019: $165,546Net Assets 2019: $1,414,1712019Assets 2020: $1,746,999Liabilities 2020: $272,128Net Assets 2020: $1,474,8712020Assets 2021: $2,109,219Liabilities 2021: $386,868Net Assets 2021: $1,722,3512021Assets 2022: $2,147,329Liabilities 2022: $431,473Net Assets 2022: $1,715,8562022Assets 2023: $5,236,846Liabilities 2023: $1,979,222Net Assets 2023: $3,257,6242023Assets 2024: $5,312,500Liabilities 2024: $2,086,121Net Assets 2024: $3,226,3792024

Highlighted filing

2024

Assets$5,312,500
Liabilities$2,086,121
Net Assets$3,226,379
Open 2024 Filing

Operations Trend

Revenue Growth94th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$2.0M$1.5M$1.0M$500K$0-$500KExpenses 2010: $450,9562010Expenses 2011: $428,4062011Expenses 2012: $435,5252012Revenue 2013: $416,016Expenses 2013: $453,438Net Income 2013: -$37,4222013Revenue 2014: $439,942Expenses 2014: $445,208Net Income 2014: -$5,2662014Revenue 2015: $569,513Expenses 2015: $498,739Net Income 2015: $70,7742015Revenue 2016: $574,231Expenses 2016: $519,288Net Income 2016: $54,9432016Revenue 2017: $593,618Expenses 2017: $511,802Net Income 2017: $81,8162017Revenue 2018: $635,107Expenses 2018: $600,074Net Income 2018: $35,0332018Revenue 2019: $931,858Expenses 2019: $914,201Net Income 2019: $17,6572019Revenue 2020: $888,025Expenses 2020: $837,325Net Income 2020: $50,7002020Revenue 2021: $1,326,708Expenses 2021: $1,079,228Net Income 2021: $247,4802021Revenue 2022: $1,143,788Expenses 2022: $1,133,917Net Income 2022: $9,8712022Revenue 2023: $1,210,885Expenses 2023: $1,275,270Net Income 2023: -$64,3852023Revenue 2024: $1,757,288Expenses 2024: $1,679,216Net Income 2024: $78,0722024

Highlighted filing

2024

Revenue$1,757,288
Expenses$1,679,216
Net Income$78,072
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$5,312,500
Liabilities
$2,086,121
Net assets
$3,226,379
Revenue
$1,757,288
Expenses
$1,679,216
Net income
$78,072
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.31$2.09$3.23$1.76$1.68$0.08
2023Detailed filing. Detailed filing data is available for this year.$5.24$1.98$3.26$1.21$1.28$0.06
2022Detailed filing. Detailed filing data is available for this year.$2.15$0.43$1.72$1.14$1.13$0.01
2021Detailed filing. Detailed filing data is available for this year.$2.11$0.39$1.72$1.33$1.08$0.25
2020Detailed filing. Detailed filing data is available for this year.$1.75$0.27$1.47$0.89$0.84$0.05
2019Detailed filing. Detailed filing data is available for this year.$1.58$0.17$1.41$0.93$0.91$0.02
2018Summary only. Only limited summary data is available for this year.$1.77$0.38$1.40$0.64$0.60$0.04
2017Detailed filing. Detailed filing data is available for this year.$0.81$0.38$0.43$0.59$0.51$0.08
2016Detailed filing. Detailed filing data is available for this year.$0.71$0.36$0.35$0.57$0.52$0.05
2015Detailed filing. Detailed filing data is available for this year.$0.95$0.37$0.58$0.57$0.50$0.07
2014Detailed filing. Detailed filing data is available for this year.$0.81$0.30$0.51$0.44$0.45$0.01
2013Detailed filing. Detailed filing data is available for this year.$0.75$0.24$0.51$0.42$0.45$0.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.83$0.29$0.54$0.44
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.80$0.26$0.54$0.43
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.83$0.24$0.58$0.45
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Sep 5, 2025
Return Version
2024v5.2
Gross Receipts
$1,757,288
Mission and Program Overview

Mission

CORE Association of Realtors Inc., exists to support all segments of its membership, in concert with the New Jersey Realtors (NJR) and the National Association of Realtors (NAR), by developing and delivering competitive programs, services, products and information, which enhance the ability to conduct business successfully and ethically, and to promote the extension and preservation of the right to own, transfer, and use real property.

SEE SCHEDULE O

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$3,333,970$2,956,564▼ $377,406
Investments in Publicly Traded Securities$383,605$871,137▲ $487,532
Savings and Temporary Cash Investments$1,081,286$866,343▼ $214,943
Cash and Non-Interest-Bearing Accounts$423,192$610,191▲ $186,999
Prepaid Expenses and Deferred Charges$8,696$8,265▼ $431
Intangible Assets$5,597--
Accounts Receivable$500--
Total Assets$5,236,846$5,312,500▲ $75,654
Liabilities
Mortgage Notes Payable Secured by Investment Property$1,593,415$1,549,644▼ $43,771
Deferred Revenue$309,922$495,440▲ $185,518
Accounts Payable and Accrued Expenses$56,339$23,203▼ $33,136
Other Liabilities$19,546$17,834▼ $1,712
Total Liabilities$1,979,222$2,086,121▲ $106,899
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$3,257,624$3,226,379▼ $31,245
Total Net Assets Fund Balance$3,257,624$3,226,379▼ $31,245
Total Liabilities and Net Assets / Fund Balance$5,236,846$5,312,500▲ $75,654

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,001,744$435,020$2,436,764
Leasehold Improvements$335,804$486,586$822,390
Land$591,578-$591,578
Equipment$27,438$266,410$293,848
Other Land Buildings-$40,206$40,206
Compensation and Service Providers
Top Officer Pay24th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Nicole BanborCEOFT$165,385$165,385
Frank GlaushPresident-$8,400$8,400

Board Members and Trustees

NameTitle
Gareth Farmer2024 President Elect
Benjamin JampelDirector
Fareeda StokesDirector
Felix GrecoDirector
Genette FalkDirector
Joan BostonianDirector
Klaudia PiotrowiczDirector
Michael Del CioppoDirector
Nora Jane BurrowsDirector
Robert LopezDirector
Susan GiacchiDirector
Susan LarueDirector
Tracee SchaeferDirector
Ya Yuan LienDirector
Judy MoriartyImmediate Past Preside
Kevin S McpheetersTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,428,988
Investment Income
$87,030
Other Revenue
$241,270
Change in Net Assets
$78,072
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$917,048
Salaries, Compensation, and Employee Benefits$762,168
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$639,141
All Other Expenses---$158,375
Depreciation Depletion---$148,270
Information Technology---$93,621
Payroll Taxes---$71,409
Interest---$59,510
Office Expenses---$46,642
Other Expenses---$46,522
Other Employee Benefits---$43,218
Insurance---$33,421
Conferences and Meetings---$27,819
Current Officers, Directors, Trustees, and Key Employees---$8,400
Advertising---$6,150
Fees for Service Investment Mgmnt Fees---$35
Total Functional Expenses$0$0$0$1,679,216
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Rent Security Deposit Pay$17,834
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Part VI Line 11B

“Board of directors review the full draft prior to filing”

Part VI Line 19

“UPON REQUEST”

Form 990, Part VI, Line 6

“The organization's members elect the board of directors and would be”

Form 990, Part VI, Line 6

“Required to approve changes to the by-laws regarding memberships in state”

Form 990, Part VI, Line 6

“And national realtor associations.”

Form 990, Part VI, Line 6

“The association's members elect the governing body.”

Form 990, Part VI, Line 7B - Decisions of Governing Body Approval Ny

“Certain decisions of the governing body are subject to approval by the”

Form 990, Part VI, Line 7B - Decisions of Governing Body Approval Ny

“ASSOCIATIONS'S MEMBERS.”

Form 990, Part VI, Line 7B - Decisions of Governing Body Approval Ny

“The association's board of directors is given the opportunity to review the”

Form 990, Part VI, Line 7B - Decisions of Governing Body Approval Ny

“Full draft of the form 990 prior to its filing.”

Form 990, Part VI, Line 7B - Decisions of Governing Body Approval Ny

“During board of directors and committee/workgroup meetings, reminders are”

Form 990, Part VI, Line 7B - Decisions of Governing Body Approval Ny

“Often given about core's conflict of interest policy and the requirement”

Form 990, Part VI, Line 7B - Decisions of Governing Body Approval Ny

“To disclose conflicts of interests; members often recuse themselves from”

Form 990, Part VI, Line 7B - Decisions of Governing Body Approval Ny

“Participating in discussions or voting due to a conflict they have”

Form 990, Part VI, Line 7B - Decisions of Governing Body Approval Ny

“DISCLOSED.”

Form 990, Part VI, Line 7B - Decisions of Governing Body Approval Ny

“The executive committee determines and reviews the ceo's compensation.”

Form 990, Part VI, Line 7B - Decisions of Governing Body Approval Ny

“& TOP MANAGEMENT”

Filing and Contact Details

Filer

Filer Name
Mid Jersey Association of Realtors Inc
EIN
22-1831517
In Care Of
% NICOLE BANBOR
Phone
7324423400
Address
14 OLD BRIDGE TURNPIKE, South River, NJ 08882

Signing Officer

Name
Nicole Banbor
Title
CEO
Phone
7324423400
Signed
2025-09-05
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Nicole Banbor
Formed
1915
Legal Domicile
Nj
Voting Board Members
13
Independent Board Members
13
Employees
8

Preparer

Firm
Paul S Cox CPA LLC
Address
22 BROAD STREET, SUMMIT, NJ 07901
Preparer
Paul S Cox
Phone
9084820553
Supplemental Narrative

Additional Explanations

Form 990, Part 1, Line 1

“Mid jersey assn of realtors inc., exists to support all segments of its”

Form 990, Part 1, Line 1

“Membership, in concert with the new jersey realtors (njr) and the national”

Form 990, Part 1, Line 1

“Association of realtors (nar), by developing and delivering competitive”

Form 990, Part 1, Line 1

“Programs, services, products and information, which enhance the ability to”

Form 990, Part 1, Line 1

“Conduct business successfully and ethically, and to promote the extension”

Form 990, Part 1, Line 1

“And preservation of the right to own, transfer, and use real property.”

Form 990, Part III, Line 1 Organization Mission

“Mid jersey assn of realtors inc., exists to support all segments of its”

Form 990, Part III, Line 1 Organization Mission

“Membership, in concert with the new jersey realtors (njr) and the national”

Form 990, Part III, Line 1 Organization Mission

“Association of realtors (nar), by developing and delivering competitive”

Form 990, Part III, Line 1 Organization Mission

“Programs, services, products and information, which enhance the ability to”

Form 990, Part III, Line 1 Organization Mission

“Conduct business successfully and ethically, and to promote the extension”

Form 990, Part III, Line 1 Organization Mission

“And preservation of the right to own, transfer, and use real property.”

Financial Statement Notes

Part X, Line 2-Text in footnote regarding FIN 48 (ASC 740)

“In accordance with asc 740 accounting for uncertainty in income taxes, the organization has evaluated its tax positions. A tax position is recognized as a benefit only if it is more likely than not that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that has a likelihood of being realized on examination of more than fifty percent. For tax positions not meeting the more than likely not test, no tax benefit is recoognized. Under the more than likely than not threshold guidelines, the organization believes no significant uncertain tax positions exist, either individually or in the aggregate, that would give rise to the non-recognition of an existing tax benefit. In addition, the organization had no material unrecognized tax benefits or accrued interest and penalties.the organizations policy is to recognize interest related to uncertain tax benefits in interest expense and penalties in income tax expense.”

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IRS990/Form990PartVIISectionAGrp/PersonNm13GARETH FARMER
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IRS990/Form990PartVIISectionAGrp/PersonNm15FELIX GRECO
IRS990/Form990PartVIISectionAGrp/PersonNm16YA YUAN LIEN
IRS990/Form990PartVIISectionAGrp/PersonNm17KLAUDIA PIOTROWICZ
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IRS990/Form990PartVIISectionAGrp/TitleTxt1PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt2IMMEDIATE PAST PRESIDE
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt132024 PRESIDENT ELECT
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt15DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt16DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt17DIRECTOR
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IRS990/OtherExpensesGrp/Desc0PROGRAMS & EVENTS
IRS990/OtherExpensesGrp/Desc1UTILITIES
IRS990/OtherExpensesGrp/Desc2OUTSIDE SERVICES
IRS990/OtherExpensesGrp/Desc3REAL ESTATE TAXES
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IRS990/ProgramServiceRevenueGrp/Desc3PROGRAM AND EVENTS
IRS990/ProgramServiceRevenueGrp/Desc4EDUCATION
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt017834
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0RENT SECURITY DEPOSIT PAY
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0IN ACCORDANCE WITH ASC 740 ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES, THE ORGANIZATION HAS EVALUATED ITS TAX POSITIONS. A TAX POSITION IS RECOGNIZED AS A BENEFIT ONLY IF IT IS MORE LIKELY THAN NOT THAT THE TAX POSITION WOULD BE SUSTAINED IN A TAX EXAMINATION, WITH A TAX EXAMINATION BEING PRESUMED TO OCCUR. THE AMOUNT RECOGNIZED IS THE LARGEST AMOUNT OF TAX BENEFIT THAT HAS A LIKELIHOOD OF BEING REALIZED ON EXAMINATION OF MORE THAN FIFTY PERCENT. FOR TAX POSITIONS NOT MEETING THE MORE THAN LIKELY NOT TEST, NO TAX BENEFIT IS RECOOGNIZED. UNDER THE MORE THAN LIKELY THAN NOT THRESHOLD GUIDELINES, THE ORGANIZATION BELIEVES NO SIGNIFICANT UNCERTAIN TAX POSITIONS EXIST, EITHER INDIVIDUALLY OR IN THE AGGREGATE, THAT WOULD GIVE RISE TO THE NON-RECOGNITION OF AN EXISTING TAX BENEFIT. IN ADDITION, THE ORGANIZATION HAD NO MATERIAL UNRECOGNIZED TAX BENEFITS OR ACCRUED INTEREST AND PENALTIES.THE ORGANIZATIONS POLICY IS TO RECOGNIZE INTEREST RELATED TO UNCERTAIN TAX BENEFITS IN INTEREST EXPENSE AND PENALTIES IN INCOME TAX EXPENSE.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Part X, Line 2-Text in footnote regarding FIN 48 (ASC 740)
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1FRANK GLAUSH
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1PRESIDENT
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0BOARD OF DIRECTORS REVIEW THE FULL DRAFT PRIOR TO FILING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MID JERSEY ASSN OF REALTORS INC., EXISTS TO SUPPORT ALL SEGMENTS OF ITS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3MEMBERSHIP, IN CONCERT WITH THE NEW JERSEY REALTORS (NJR) AND THE NATIONAL
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ASSOCIATION OF REALTORS (NAR), BY DEVELOPING AND DELIVERING COMPETITIVE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5PROGRAMS, SERVICES, PRODUCTS AND INFORMATION, WHICH ENHANCE THE ABILITY TO
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6CONDUCT BUSINESS SUCCESSFULLY AND ETHICALLY, AND TO PROMOTE THE EXTENSION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7AND PRESERVATION OF THE RIGHT TO OWN, TRANSFER, AND USE REAL PROPERTY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8MID JERSEY ASSN OF REALTORS INC., EXISTS TO SUPPORT ALL SEGMENTS OF ITS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9MEMBERSHIP, IN CONCERT WITH THE NEW JERSEY REALTORS (NJR) AND THE NATIONAL
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10ASSOCIATION OF REALTORS (NAR), BY DEVELOPING AND DELIVERING COMPETITIVE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11PROGRAMS, SERVICES, PRODUCTS AND INFORMATION, WHICH ENHANCE THE ABILITY TO
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12CONDUCT BUSINESS SUCCESSFULLY AND ETHICALLY, AND TO PROMOTE THE EXTENSION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt13AND PRESERVATION OF THE RIGHT TO OWN, TRANSFER, AND USE REAL PROPERTY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt14THE ORGANIZATION'S MEMBERS ELECT THE BOARD OF DIRECTORS AND WOULD BE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt15REQUIRED TO APPROVE CHANGES TO THE BY-LAWS REGARDING MEMBERSHIPS IN STATE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt16AND NATIONAL REALTOR ASSOCIATIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt17THE ASSOCIATION'S MEMBERS ELECT THE GOVERNING BODY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt18CERTAIN DECISIONS OF THE GOVERNING BODY ARE SUBJECT TO APPROVAL BY THE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt19ASSOCIATIONS'S MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt20THE ASSOCIATION'S BOARD OF DIRECTORS IS GIVEN THE OPPORTUNITY TO REVIEW THE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt21FULL DRAFT OF THE FORM 990 PRIOR TO ITS FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt22DURING BOARD OF DIRECTORS AND COMMITTEE/WORKGROUP MEETINGS, REMINDERS ARE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt23OFTEN GIVEN ABOUT CORE'S CONFLICT OF INTEREST POLICY AND THE REQUIREMENT
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt24TO DISCLOSE CONFLICTS OF INTERESTS; MEMBERS OFTEN RECUSE THEMSELVES FROM

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