Isles Inc.

“Shenette gray, managing director, is related to gary gray, board member. They are husband and wife.”

“Form 990 is provided to the chief financial officer for review before it is filed. After the review, it is forwarded to the board for approval.”

“Each director, principal officer and member of a committee with board delegated powers shall annually sign a statement which affirms that such person: a.has received a copy of the conflict of interest policy, b.has read and understands the policy, c.has agreed to comply with the policy, and d.understands that isles, inc. Is a non-profit organization and that in order to maintain its federal tax exemption it must engage primarily in activities which accomplish one or more of its tax-exempt purposes.”

“The process for determining compensation involves an annual review of individual performance and comparison of present compensation to market data.”

“The organization makes its governing documents, conflict of interest policy, and financial statements available to the public upon request.”

“BAD DEBT -19,939.”

“Oversight of audit: the process has not changed from the prior year.”

“Financial services: isles continued to offer one-on-one homebuyer and foreclosure counseling to prepare low- and moderate-income individuals for homeownership and avoid foreclosure. We also offered isles financial solutions (ifs), an employer-based financial capability initiative for lower wage workers that includes an innovative mix of financial coaching, credit-building finance, savings products, and group-based learning. Ifs works with princeton university, capital health systems and local nonprofits. This year: isles had 173 active housing/foreclosure customers. O 27 customers attended pre-purchase workshops. O 157 customers developed a sustainable budget. O 95 housing certificates were earned. O 68 customers improved their financial capacity after receiving counseling. O 12 customers purchased a first home. O 20 foreclosure customers had positive mortgage outcomes (loan modifications, etc.). 397 employees received ifs services o 123 one-on-one customers completed a budget, credit analysis and action plan. O 275 attended workshops. O low cost loans averaging $1,600 were provided to re-finance higher cost debt, avoid payday loans, and help avoid lapses in car insurance and overdue rent fees. O 18 customers filed their taxes with the assistance of a financial coach. O customers improved their credit scores by 55 points on average. O 75% of customers met at least one of their goals for financial improvement, such as improvement in credit score, debt reduction, reduction of fees and interest, and savings. Isles' center for energy and environmental training (ceet): ceet is a green collar job training facility, targeting careers in energy efficiency and environmental health. Ceet is a building performance institute (bpi) certified training center and is a satellite training center for the national center for healthy housing/healthy housing solutions. This year, ceet: provided or facilitated healthy homes for community health workers training course for 147 home visitors and/or supervisors of home visitors, educators, nurses and social workers. Offered "the seven keys to a healthy home" 7 times to a total of 143 community members. Provided building analyst and air leakage control installer training and certification course for 81 energy efficiency workers. Provided lead-safe renovation, repair, and paint training and certification for 67 workers. Delivered professional lead certifications for more than 33 workers or supervisors. Supported lead and healthy homes assessment projects in newark and new brunswick with technical assistance and training. Lead safety and healthy homes: isles continued to provide retrofits to low-income homes to improve energy efficiency and remove lead, mold/moisture, asthma triggers, fall and burn hazards and other negative indoor health conditions. This year, isles: provided comprehensive lead (paint, water, soil) and healthy homes assessments for more than 500 trenton homes and apartments. These tests revealed that more than 54% of homes had unsafe levels of lead present. Completed more than 30 lead hazard control and lead abatement projects through nj dca lead pilot. All units were made lead safe. In addition, isles continues to be a strong advocate for lead and healthy homes public education, policy change and increased funding for remediation of lead contaminated homes. This year, isles policy staff: presented at multiple state and national webinars and conferences to promote protections for childhood lead poisoning, maternal health and healthy homes. Continued to act as principal in nj lead advisory group. Advocated for two nj state bills that provide for expanded lead testing of homes and apartments. Met with committee of nj urban mayors, naacp, rutgers faculty, trenton school staff, county leaders and others to bring attention to lead in urban areas and its impact on school performance. Consulted with green and healthy housing initiative and fund for nj for creation and launch of nj lead poisoni”