Civic Intelligence

Wyoming Family Home Ownership

EIN 26-4141283 • 501(c)3 • Cheyenne, WY

Profile

Provide low income, working families with children, the tools and resources needed to achieve and maintain first time home ownership.

3260 E NationwayCheyenne, WY 82001

myfrontdoor.org

Siviq Scores

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

Liabilities / Assets

28th percentile

0.01x

Higher debt load relative to assets than 28% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

43rd percentile

0.05x

Higher debt load relative to revenue than 43% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Net Margin

3rd percentile

-110%

Higher net margin than 3% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

59th percentile

$81,474

Higher top officer pay than 59% of similar nonprofits.

Top officer pay equals 53.8% of source-year revenue.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Asset Growth

16th percentile

-10%

Faster asset growth than 16% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

15th percentile

-20%

Faster revenue growth than 15% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Assets

Down

$1,397,509

Down $158,774 (-10%) from 2023

Liabilities

Up

$7,033

Up $62 (+0.9%) from 2023

Net Assets

Down

$1,390,476

Down $158,836 (-10%) from 2023

Revenue

Down

$151,400

Down $38,814 (-20%) from 2023

Expenses

Down

$318,687

Down $38,028 (-11%) from 2023

Net Income

Down

-$167,287

Down $786 (-0.5%) from 2023

Trend Graphs

Balance Sheet Trend

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

$3.0M$2.0M$1.0M$0Assets 2013: $252,004Liabilities 2013: $1,706Net Assets 2013: $250,2982013Assets 2014: $199,395Liabilities 2014: $2,914Net Assets 2014: $196,4812014Assets 2017: $232,729Liabilities 2017: $10,371Net Assets 2017: $222,3582017Assets 2018: $108,587Liabilities 2018: $5,449Net Assets 2018: $103,1382018Assets 2019: $2,012,896Liabilities 2019: $1,738,318Net Assets 2019: $274,5782019Assets 2020: $1,986,631Liabilities 2020: $1,759,878Net Assets 2020: $226,7532020Assets 2021: $2,095,923Liabilities 2021: $1,748,880Net Assets 2021: $347,0432021Assets 2022: $2,330,010Liabilities 2022: $1,271,347Net Assets 2022: $1,058,6632022Assets 2023: $1,556,283Liabilities 2023: $6,971Net Assets 2023: $1,549,3122023Assets 2024: $1,397,509Liabilities 2024: $7,033Net Assets 2024: $1,390,4762024

Highlighted filing

2024

Assets$1,397,509
Liabilities$7,033
Net Assets$1,390,476

Operations Trend

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

$1.5M$1.0M$500K$0-$500KRevenue 2013: $179,046Expenses 2013: $127,735Net Income 2013: $51,3112013Revenue 2014: $72,894Expenses 2014: $126,711Net Income 2014: -$53,8172014Revenue 2017: $207,869Expenses 2017: $260,301Net Income 2017: -$52,4322017Revenue 2018: $158,200Expenses 2018: $277,420Net Income 2018: -$119,2202018Revenue 2019: $403,866Expenses 2019: $258,825Net Income 2019: $145,0412019Revenue 2020: $249,509Expenses 2020: $297,334Net Income 2020: -$47,8252020Revenue 2021: $306,666Expenses 2021: $186,376Net Income 2021: $120,2902021Revenue 2022: $1,011,486Expenses 2022: $300,332Net Income 2022: $711,1542022Revenue 2023: $190,214Expenses 2023: $356,715Net Income 2023: -$166,5012023Revenue 2024: $151,400Expenses 2024: $318,687Net Income 2024: -$167,2872024

Highlighted filing

2024

Revenue$151,400
Expenses$318,687
Net Income-$167,287

Filings

Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 7, 2025
Return Version
2024v5.0
Gross Receipts
$196,400
Mission and Program Overview

Mission

Provide low income, working families with children, the tools and resources needed to achieve and maintain first time home ownership.

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$632,599$630,169▼ $2,430
Other Notes and Loans Receivable, Net$169,274$157,131▼ $12,143
Cash and Non-Interest-Bearing Accounts$77,303$117,919▲ $40,616
Savings and Temporary Cash Investments$212,875$84,028▼ $128,847
Investments Other Securities$90,946$79,976▼ $10,970
Total Assets$1,556,283$1,397,509▼ $158,774
Other Assets Total$373,286$328,286▼ $45,000
Liabilities
Accounts Payable and Accrued Expenses$6,971$7,033▲ $62
Total Liabilities$6,971$7,033▲ $62
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$1,549,312$1,390,476▼ $158,836
Total Net Assets Fund Balance$1,549,312$1,390,476▼ $158,836
Total Liabilities and Net Assets / Fund Balance$1,556,283$1,397,509▼ $158,774

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$615,904$35,152$651,056
Leasehold Improvements$14,265$407$14,672
Equipment-$6,500$6,500
Other Assets Org$328,286--
Other Securities$79,976--

Endowment Activity

PeriodBeginningContrib.Gain/LossOther UsesEnd
2024$90,946-▲ $8,451-$79,976
2023$80,172-▲ $12,200-$90,946
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Brenda BirklePrior Exec DFT$81,474$81,474

Board Members and Trustees

NameTitle
Terry WilliamsChair
Josh MorrisPrior Chair
Sarah ErdmanVice Chair
Andrea ArenasDirector
Asha BeanDirector
Steve BorinDirector
Trenille YoungDirector
Joe KelleyPrior Direct
Katelyn Hardee CastanedaPrior Direct
Liz MoehrkePrior Direct
Logan GravesPrior Direct
Mason DieterPrior Direct
Kali CollinsPrior Secret
Bryan ThomasPrior Treasu
Crystal Miesner ManceraPrior Vice C
Revenue and Support

Revenue Composition

Contributions and Grants
$145,403
Program Service Revenue
$0
Investment Income
$5,997
Other Revenue
$0
All Other Contributions
$110,950
Change in Net Assets
$-167,287
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$227,378
Other Expenses$85,436
Total Fundraising Expense$20,574
Grants and Similar Amounts Paid$5,873
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$98,089-$16,500$114,589
Current Officers, Directors, Trustees, and Key Employees$40,737$40,737-$81,474
Payroll Taxes$13,168$3,864$1,565$18,597
Depreciation Depletion$12,110$3,553$1,439$17,102
Occupancy$12,819--$12,819
Other Employee Benefits$9,006$2,642$1,070$12,718
Fees for Services Other-$8,604-$8,604
Insurance-$7,153-$7,153
Grants to Domestic Individuals$5,873--$5,873
Information Technology-$4,632-$4,632
Other Expenses$2,716$3,417-$2,716
Fees for Service Investment Mgmnt Fees-$1,550-$1,550
All Other Expenses$241$589-$830
Travel-$571-$571
Office Expenses-$516-$516
Conferences and Meetings-$30-$30
Total Functional Expenses$220,255$77,858$20,574$318,687
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
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
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 11B

The 990 is given to the board for their approval. The 990 does not get filed until the board has given their approval.

Form 990, Page 6, Part VI, Line 12C

Part of our new board onboarding process is reviewing the conflict-of- interest policy, which states that all board members must disclose any preexisting relationships, business dealings, or intimate knowledge of business affairs. It states that any board member with a conflict of interest must recuse themselves from discussion and/or votes where there is a reasonable conflict of interest.

Form 990, Page 6, Part VI, Line 15A

The process of finding fair compensation for the executive director included using comparability data for compensation from sources such as onetonline.org for the position nationally and regionally.

Form 990, Page 6, Part VI, Line 15B

The process of finding fair compensation for our key employees included using comparability data for compensation from sources such as onetonline.org for the position nationally and regionally.

Form 990, Page 6, Part VI, Line 19

Financial statements, 990s, governing documents and all policies are available to the public upon request.

Filing and Contact Details

Filer

Filer Name
Wyoming Family Home Ownership
EIN
26-4141283
Phone
3075145831
Address
3260 E NATIONWAY, CHEYENNE, WY 82001
Doing Business As
My Front Door

Signing Officer

Name
Terry Williams
Title
Chair
Phone
3075145831
Signed
2025-10-07
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Terry Williams
Formed
2007
Legal Domicile
Wy
Voting Board Members
6
Independent Board Members
6
Employees
4
Volunteers
10

Preparer

Firm
Rlr Llp
Address
POBOX 483, CHEYENNE, WY 82003
Preparer
Joseph M Hoefler
Phone
3077576866
Supplemental Narrative

Financial Statement Notes

Schedule D, Page 2, Part V, Line 4

Wyoming community foundation funds were used for staff compensation, utilities and program insurance.

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IRS990/MethodOfAccountingCashInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0PROVIDE LOW INCOME, WORKING FAMILIES WITH CHILDREN, THE TOOLS AND RESOURCES NEEDED TO ACHIEVE AND MAINTAIN FIRST TIME HOME OWNERSHIP.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt01549312
IRS990/NetAssetsOrFundBalancesEOYAmt01390476
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt02756
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt02756
IRS990/NetUnrlzdGainsLossesInvstAmt08451
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt01549312
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt01390476
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ProgramServicesAmt012819
IRS990/OccupancyGrp/TotalAmt012819
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt0516
IRS990/OfficeExpensesGrp/TotalAmt0516
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0373286
IRS990/OtherAssetsTotalGrp/EOYAmt0328286
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt01070
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt02642
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt09006
IRS990/OtherEmployeeBenefitsGrp/TotalAmt012718
IRS990/OtherExpensesGrp/Desc0MAINTENANCE
IRS990/OtherExpensesGrp/Desc1SMALL EQUIPMENT
IRS990/OtherExpensesGrp/Desc2DUES AND SUBSCRIPTIONS
IRS990/OtherExpensesGrp/Desc3PROPERTY TAXES
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt03417
IRS990/OtherExpensesGrp/ProgramServicesAmt017490
IRS990/OtherExpensesGrp/ProgramServicesAmt18006
IRS990/OtherExpensesGrp/ProgramServicesAmt22716
IRS990/OtherExpensesGrp/TotalAmt017490
IRS990/OtherExpensesGrp/TotalAmt18006
IRS990/OtherExpensesGrp/TotalAmt23417
IRS990/OtherExpensesGrp/TotalAmt32716
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt016500
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt098089
IRS990/OtherSalariesAndWagesGrp/TotalAmt0114589
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0169274
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0157131
IRS990/PartialLiquidationInd0false
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt01565
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt03864
IRS990/PayrollTaxesGrp/ProgramServicesAmt013168
IRS990/PayrollTaxesGrp/TotalAmt018597
IRS990/PoliticalCampaignActyInd0false
IRS990/PrincipalOfficerNm0TERRY WILLIAMS
IRS990/ProfessionalFundraisingInd0false
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt0189245
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt0969
IRS990/PYOtherExpensesAmt0101858
IRS990/PYRevenuesLessExpensesAmt0-166501
IRS990/PYSalariesCompEmpBnftPaidAmt0254857
IRS990/PYTotalExpensesAmt0356715
IRS990/PYTotalRevenueAmt0190214
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReconcilationRevenueExpnssAmt0-167287
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0212875
IRS990/SavingsAndTempCashInvstGrp/EOYAmt084028
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt0145403
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0189245
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt01008723
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt0306653
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt0249484
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt01899508
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt03241
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt0969
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt02743
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt013
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt025
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt06991
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.88080
IRS990ScheduleA/PublicSupportPY170Pct00.90470
IRS990ScheduleA/PublicSupportTotal170Amt01679231
IRS990ScheduleA/SubstantialContributorsTotAmt0220277
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0145403
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0189245
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt01008723
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt0306653
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt0249484
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt01899508
IRS990ScheduleA/TotalSupportAmt01906499
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990/ScheduleBRequiredInd0true
IRS990ScheduleD/BoardDesignatedBalanceEOYPct01.00000
IRS990ScheduleD/BuildingsGrp/BookValueAmt0615904
IRS990ScheduleD/BuildingsGrp/DepreciationAmt035152
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0651056
IRS990ScheduleD/CYEndwmtFundGrp/AdministrativeExpensesAmt01550
IRS990ScheduleD/CYEndwmtFundGrp/BeginningYearBalanceAmt090946
IRS990ScheduleD/CYEndwmtFundGrp/EndYearBalanceAmt079976
IRS990ScheduleD/CYEndwmtFundGrp/GrantsOrScholarshipsAmt017871
IRS990ScheduleD/CYEndwmtFundGrp/InvestmentEarningsOrLossesAmt08451
IRS990ScheduleD/CYMinus1YrEndwmtFundGrp/AdministrativeExpensesAmt01426
IRS990ScheduleD/CYMinus1YrEndwmtFundGrp/BeginningYearBalanceAmt080172
IRS990ScheduleD/CYMinus1YrEndwmtFundGrp/EndYearBalanceAmt090946
IRS990ScheduleD/CYMinus1YrEndwmtFundGrp/InvestmentEarningsOrLossesAmt012200
IRS990ScheduleD/EndowmentsHeldRelatedOrgInd0false
IRS990ScheduleD/EndowmentsHeldUnrelatedOrgInd0true
IRS990ScheduleD/EquipmentGrp/DepreciationAmt06500
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt06500
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt014265
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0407
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt014672
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0328286
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0VACANT LOTS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt079976
IRS990ScheduleD/OtherSecuritiesGrp/Desc0COMMUNITY FOUNDATION
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0WYOMING COMMUNITY FOUNDATION FUNDS WERE USED FOR STAFF COMPENSATION, UTILITIES AND PROGRAM INSURANCE.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 2, PART V, LINE 4
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0630169
IRS990ScheduleD/TotalBookValueOtherAssetsAmt0328286
IRS990ScheduleD/TotalBookValueSecuritiesAmt079976
IRS990ScheduleI/GrantRecordsMaintainedInd0false
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt05000
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt1375
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt2498
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt0MAINTENANCE GRANTS
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt1STIPENDS
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt2TRAININGS/CLASSES
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt05
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt15
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt25
IRS990ScheduleI/SupplementalInformationDetail/ExplanationTxt0WE PROVIDED FIVE ONE THOUSAND DOLLAR MAINTENANCE GRANTS TO FIVE FAMILIES. FIVE FAMILIES IN THE SAVINGS PHASE RECEIVED A 75.00 STIPEND TO COMPLETE THE WYOMING HOUSING NETWORK ONLINE TRAINING MODULES FOR A TOTAL OF 375. THE REMAINING 498 WAS TRAINING SUPPLIES USED IN FIVE CLASSES WE CONDUCTED.
IRS990ScheduleI/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE I, PAGE 4, PART IV
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE 990 IS GIVEN TO THE BOARD FOR THEIR APPROVAL. THE 990 DOES NOT GET FILED UNTIL THE BOARD HAS GIVEN THEIR APPROVAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1PART OF OUR NEW BOARD ONBOARDING PROCESS IS REVIEWING THE CONFLICT-OF- INTEREST POLICY, WHICH STATES THAT ALL BOARD MEMBERS MUST DISCLOSE ANY PREEXISTING RELATIONSHIPS, BUSINESS DEALINGS, OR INTIMATE KNOWLEDGE OF BUSINESS AFFAIRS. IT STATES THAT ANY BOARD MEMBER WITH A CONFLICT OF INTEREST MUST RECUSE THEMSELVES FROM DISCUSSION AND/OR VOTES WHERE THERE IS A REASONABLE CONFLICT OF INTEREST.

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