The Mission of Community Teamwork, Inc.

is to assist low income people to become self-sufficient,

to alleviate the effects of poverty, and to assist low income people

to participate in the decisions that affect their lives.

About the Cover

In March of 2011, Community Teamwork, Inc.

moved its headquarters to the historic Bon

Marche building located at 155 iv1errimack Street

in the heart of downtown Lowell. From our new

base, we are now better able to offer our clients,

employees, partners and friendsan attractive,

unified setting to deliver and receive services

and continue building relationships that make a

difference to our community.

Contents

1 Message from the Executive Director and Board President

2 American Recovery and Reinvestment Act (ARRA) Summary

4 Child and Family Services

5 Housing and Ho meless Services

6 Energy and Community Resources

7 Workforce Development

8 Faces of Success

10 Common Ground Development Corporation

11 Revenues, Expenses and Numbers Served

12 Board of Directors, Local Heroes and Head Start Policy Council

13 Employee Awards and Anniversaries

14 Funders and Contributors

1

Message from the Executive Director and Board President

This past year (and currently), Community Action Agencies like Community Teamwork Incorporated face the greatest threats to our existence since the early 1980s. The administration and Congress are proposing program reductions and changes for even “those programs we care deeply about,” and deep cuts to domestic discretionary spending that will threaten the programs in place that provide a safety net and help people move out of poverty. The national network of Community Action Agencies, with roots in the Civil Rights movement, offers a unique approach in working to end poverty. Community Action Agencies do more than meet basic needs; we work in a holistic manner to help people move toward self-sufficiency through education, training, job readiness, child care, financial education, and more. We also measure our progress and outcomes as we work closely with our communities to identify and solve problems. Our move to new headquarters this year has allowed us to consolidate many of our programs in one location and provide a walk-in customer service center where people can find the right assistance when they need it.

Recently released statistics show rising rates of poverty, child poverty, and unemployment in Massachusetts. The gap between the rich and the poor is the widest it has been since this measurement began. More than ever, we need the programs and strategies of Community Action. Without the essential services we provide, the picture would be even grimmer. Even with the staggering statistics, we are still helping people keep and retain jobs, find and/or purchase affordable homes, save money, and learn new skills. Just imagine our communities without these safety nets and supports. Even in these very difficult times, CTI is helping the Commonwealth of Massachusetts launch a new approach to the problem of family homelessness in the Greater Haverhill, Greater Lawrence and Greater Lowell areas. Through a “housing first” approach, CTI and our partner Emmaus Inc. in Haverhill are finding homeless families apartments with short-term subsidies. Through case management, we will expect and guide families to participate in financial education, job training, and job search. With the reduction of hotel placements of homeless families, the Commonwealth will save precious resources and provide better, more lasting outcomes.

We offer our sincere thanks to the talented, committed CTI staff for incredible work this year as our number of clients has reached an all time high of over 50,000. We also sincerely thank our supporters, donors, funders, and partners. Now more than ever, we need your help to assist those who are struggling during these difficult economic times and to continue our work of bringing hope, opportunity, and strength to our clients and our communities.

Karen N. Frederick Germaine Vigeant-Trudel

Community Action Now, more than ever...

Karen N. FrederickExecutive Director

Germaine Vigeant-TrudelPresidentBoard of Directors

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In fiscal year 2011, CTI continued to build on a number of CSBG and non-CSBG ARRA-funded programs and services that have helped individuals and families achieve self-sufficiency and stimulate the local economy. The outcomes described below reflect the outcomes achieved with CSBG ARRA stimulus funds that were available beginning in 2009 and ending in fiscal 2011. Overall, these programs allowed us to create new jobs; open doors to education, training and employment; provide energy conservation to low income homeowners; save many people from homelessness and rapidly re-house many already homeless; and help people build assets toward homeownership, secondary education and small business ownership.

Workforce Training and Employment and Small Business DevelopmentPathways to Advancement and Training in Healthcare (PATH). Of the forty eight (48) enrolled students, 40 completed the program and obtained a certificate, 26 obtained an entry level job and 3 incumbent workers were promoted.

Weatherization Training. Twenty-seven (27) YouthBuild graduates and current students enrolled in the Weatherization Training program with all 27 completing training and five obtaining full-time positions in the field.

Small Business Support. CTI’s Lowell Small Business Assistance Center (LSBAC) used CSBG ARRA funds to support thirty-nine (39) entrepreneurs with technical assistance and counseling to help them market and expand their businesses; another 26 received bookkeeping and payroll supports to keep their businesses viable.

Commercial Driver’s License (CDL) Training. Of the 21 enrollees, 11 completed training and testing and obtained a Commercial Driver’s License; 4 obtained full-time employment; and two former CDL graduates went on to receive a Class A license, with one receiving a promotion.

Job Creation and RetentionCSBG ARRA funding allowed us to create 46 new positions and retain 86 positions in areas such as Weatherization, Child Care and Workforce Development.

Housing and Homeless ServicesHomeownership. Seven (7) families purchased a home in their communities and took advantage of the $8,000 tax credit provided to first-time homebuyers.

Merrimack Valley Regional Network to Prevent Homelessness. With state and ARRA funds, the Network assisted over 800 families and individuals who were re-housed from emergency shelters. Of these, CTI was able to direct CSBG ARRA funds to help 31 families avoid homelessness through prevention services and 25 homeless individuals obtain safe and affordable housing, with 9 enrolling in the Representative Payee Program.

Financial Literacy and Asset BuildingFinancial Literacy Fairs Reach Over 700. Six hundred and twelve (612) individuals attended 6 Financial Literacy Fairs held in Lowell Public Schools and 100 more attended 11 Financial Literacy Workshops. Five (5) individuals also enrolled in our seven-week Financial Literacy Academy.

Family Finance Solutions Website. The Family Finance Solutions Website www.ctifamilyfinance.org provided financial education to people of all ages. The site is organized by “life phases” such as getting ready for college, getting married, buying a home, starting a family, and planning for retirement. It includes a blog, on-line workshop registration and calculator tools for auto loans, mortgages and retirement.

Financial Literacy Television Programming. CTI’s Family Resource Network produced 9 television programs that aired on three local public access television stations. These programs focused on building financial skills and assets and were produced in partnership with area bankers and financial agencies.

Farmers Build Financial Assets. Ten (10) farmers opened an Individual Development Account, saving up to $2,000 to purchase farming supplies and equipment. This included $500 of farmer’s savings and $1,500 in matching funds.

Citizens Increase Tax Return Rate from Free Tax Prep. Five hundred and fifty eight (558) households received free tax preparation through the Volunteer Income Tax Assistance (VITA) Program, totaling $1,022,708 in EITC, federal and state refunds.

Service IntegrationCTI Client Services Staff attended 287 hours of training to better understand all internal and external resources available in order to serve clients more holistically and in an integrated manner.

Energy Conservation and WeatherizationOur weatherization team completed 273 ARRA-funded audits and home weatherizations.

The American Recovery and Reinvestment Act Summary 588 Receive earned income tax refunds

Above, CTI’s Westford-based Stony Brook affordable houing complex; opposite page, recent Work-force graduate on the job as certified nursing aide at Lowell General Hospital (read her story on page 7).

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Child and Family Services

Expansion, Awards and Learning Gains

Early Learning Programn The Early Learning Program (Early Head Start, Head Start & Child Care) maintained its fiscal 2010 expansion by serving 703 families and received a perfect rating from the Administration for Children & Families. n Three of it early learning centers received the National Accreditation by the National Association for the Education of Young Children (NAEYC) award.n The program staff also documented important developmental gains in vocabulary, letter sounds and understanding upper and lower case through the Early Reading First Project.

Family Child Care and School Age Programn Both the Family Child Care and School Age Programs increased services to families by 11%.n The Division also expanded these services to the Lowell Public School’s Murkland School (currently working to overcome a level 4 rating by the Commonwealth), offering preschool and after school services to children and their families in one of Lowell’s lowest income neighborhoods and most challenged schools.

The Women, Infants & Children (WIC) Programn The WIC nutrition program served approximately 13,000 peoplen WIC opened an office for expectant mothers at the Lowell Community Health Center (LCHC), enhancing and streamlining the delivery of nutrition services to families.

Homelessness Prevention, Re-housing and New Initiatives

Homelessness Preventionn The Housing Consumer Education Center (HCEC) provided services to 5,338 tenant households, 273 homeowner households and 174 homebuyer households.n Through the FEMA Emergency Food and Shelter Program, the HCEC provided back rent to 67 tenants and back mortgage payments to 14 homeowners, helping stabilize their households and prevent homelessness.n CTI is the lead agency in the Merrimack Valley for the State’s new HomeBASE program, a Housing First alternative to shelter for homeless families. Families will receive limited rental assistance as they work to increase their stability.

Merrimack Valley Regional Network to End HomelessnessWith state and ARRA funds, the Merrimack Valley Regional Network was able to leverage client assistance funds and staffing to assist 407 families re-housed from emergency family shelters and 387 individuals re-housed from emergency shelters.

Home Modification LoansThe Home Modification Loan Program processed 31 loans in the Merrimack Valley and North Shore for house-holds with a disabled family member, helping people stay safe and independent in their own homes.

Family Shelter ProgramsCTI Residential Programs placed 148 homeless families from shelters or hotels into permanent, sustainable housing.

Subsidized HousingCTI’s Section 8 Program provided tenant based and project based rental assistance to over 2,500 tenants including: 812, Lowell; 530, Lawrence; 362, Salem; 222, Haverhill; 101, Methuen; 67, Beverly; and 66, Peabody.

Veterans Affairs Supportive Housing (VASH)Working in collaboration with the Bedford VA, our Veterans Affairs Supportive Housing program provided housing assistance to 91 veteran families.

Profile in SuccessShauna Morrissette and her family are facing and overcoming

tough challenges thanks to their own determination and

help from CTI’s Child and Family Services and Workforce

Development Divisions. With both her son Aidan and daughter

Gaida enrolled in the Head Start program, Shauna became

a classroom volunteer, watching her children and grow and

enjoy their early learning experience. She also became a

leader in the Head Start Parent Policy Council. Then came

the shocking news that her husband had a serious chronic

illness. For Shauna, this meant taking on greater responsibility

including re-entering the workforce. Through CTI’s Workforce

training, Shauna received certification from the 9-month

Commercial Driver’s License program and then accepted a

full-time school bus driver position at CTI. She also is enrolled

at Middlesex Community College. “CTI was the foundation

to move my family

toward self-

sufficiency and give

me confidence to

move forward in my

own professional

development,” says

a grateful Shauna.

Profile in SuccessKathy and Steven

Rheault purchased

their home in Haverhill

in 2007. Over time,

Kathy, who has multiple

sclerosis, experienced

increased difficulty in

walking, more falls,

pain in her legs and

loss of hand dexterity. It was clear their home no longer met

her immediate and future medical needs. Concerned, Kathy

and Steve applied to CTI’s Home Modification Loan Program

designed for households who have disabled family members.

Using their own savings and a low interest Home Modification

Loan, Kathy and Steven modified their home, making it

wheelchair accessible and safer by widening doorways,

enlarging the bedroom, and building a new bathroom with

a roll-in shower and low sink. With these changes complete,

Kathy is able to remain independent and safe in her home.

Housing and Homeless Services13,000 Receive supplemental nutrition

2,500 Receive Section 8 rental assistance

Student volun-teers from Lowell Catholic High paint “Starry Night” mural at Merrimack Street Family Shelter playground.

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Energy and Community Resources

Skill Building, Employment, Small Business Support

Education and Training Centern Workforce Development staff with CTI’s Financial Literacy staff and the UMass Lowell computer literacy staff developed a 5-week Job Readiness, “soft skills” employment training program. Over half of the participants obtained employment with 100% of placements maintaining at least 30 days of employment and over 75% maintaining at least 90 days of employment.n Staff continued to offer technical skills training for those seeking employment in construction, weatherization, transportation, and healthcare-related fields.

Lowell Small Business Assistance CenterThe Lowell Small Business Assistance Center capitalized its new Microloan Fund at $116,000. The Center also served over 350 clients offering 900 services, resulting in nine (9) new businesses in Greater Lowell.

New Entry Sustainable Farming ProjectThe Project provided 262 farmers with business, field and livestock training; placed 7 farmers on 24 acres of farmland with short- and long-term leases; and provided locally grown produce to over 500 families and over 2,000 seniors in 23 communities in Greater Boston and the Merrimack Valley.

YouthBuildTwenty (28) youth completed this year’s YouthBuild program, with 96% obtaining an industry-recognized construction certification; 54% earning a GED; 76% increasing one or more grade levels in math and reading; and 68% gaining employment or enrolling at Middlesex Community College. Among their notable projects, was the rehabilitation of a home in Dracut that is now for sale to a low income family.

Profile in SuccessElizabeth Cruz (shown here) and her husband Luis both became

unemployed this year, causing extreme hardship for them and their

two children. CTI was able to provide emergency rental assistance

and enroll them in its Workforce Development program. Highly

motivated and eager to develop themselves professionally, Elizabeth

completed an assistant nursing certification training program and

with staff support and pre-employment counseling and training,

was hired at Lowell General Hospital as a certified nursing aide.

Luis was accepted into CTI’s Commercial Driver’s License program,

successfully passed his CDL B exam and was hired by Mark One, Inc.

in Lowell. “My husband and I worked hard together as a team but it

was the training and support of CTI’s Workforce programs that

led us to success,” says Elizabeth.

MASSCAP, the state association

for Community Action Agencies,

has chosen Elizabeth to receive this

year’s Self Sufficiency Award.

Workforce Development 600+ Receive small business and work training

Profile in SuccessChristine Collins and her three

children were relocated to

Lowell as part of CTI’s Scattered

Sites Family Emergency Shelter

Program (SSFES). Having

spent 5 months living in a

motel with her three young

children, Christine was relieved

to be working with a CTI Housing case manager to find permanent

housing in Lowell. Throughout, she has made good decisions, including

participating in CTI’s Financial Literacy training and budgeting

workshop that emphasized the keys to successful family budgeting

by making spending choices with long term goals in mind. “Better

planning means that now I spread my bill paying out over the whole

month, instead of just waiting until the end of the month to pay

everything,” says Christine. Today, Christine is enrolling her children

in CTI’s Head Start and is preparing to work fulltime. She routinely

uses the budget skills she learned and remains active with our Family

Resource Network and Financial Literacy workshops.

Energy Conservation, Asset Building, Community Service

Energy Programsn CTI’s Fuel Assistance Program (Low Income Home Energy Assistance Program – LIHEAP) processed over 14,000 applications, determining over 12,400 applicants eligible for heat subsidies. n Conservation Programs conducted 649 home energy audits; 273 ARRA-funded weatherizations; 185 DOE and utility-funded weatherizations; and 6,477 heating system and appliance replacement services including boilers, refrigerators, freezers and light bulbs.

Family Resource Networkn The Family Finance Solutions program provided over 400 new clients with Financial Literacy Workshops, Asset Development programs, expanded web and local cable access programming, as well as completed 558 free tax returns for clients that resulted in over $ 1,022,708 of EITC, federal and state tax refunds.

Senior Corpsn Over 400 people aged 55 and up served in CTI’s Senior Corps Volunteer Programs, delivering 210,000 hours of service valued at $5,497,800.

Spindle City CorpsThe Spindle City Corps and National Park Service employed 35 young people, ages 16 to 21, helping the Park maintain buildings, canal ways and green space this summer.

SuitAbilitySuitAbility helped over 200 women get back to work with “suitable” free clothing and ongoing access to reduced- cost, professional clothing through its Suitable Impressions Resale program.

12,400 Receive fuel assistance

Job Readiness program graduates undertake two weeks training and certification at Lowell-based Cristek Interconnects, Inc.

8 9

Large images, clockwise from upper left: Children in CTI’s Summer Program enjoy a trolley ride; New Entry farmers Bruce Talley and Heidi Reinhard work their parcel at Dracut’s Ogonowski farm; YouthBuild students weatherize Dracut home; and Spindle City Corps youth work with Lowell National Park Service staff.

Center, left to right: Children in CTI’s Summer Program enjoy Boarding House Park performance; Chanbura Poeun and family celebrate his YouthBuild graduation; Workforce Job Readiness graduates display diplomas; World PEAs Coop Coordinator Matt Himmel preps boxes of fresh produce; job trainee Edna Febo learns new soldering skills; Head Start Policy Council gathers for monthly meeting; children mug their CTI t-shirts; Lowell High’s Junior Air Force ROTC receives CTI’s Local Heroes President’s Award.

10 11

Affordable Housing Development in the Merrimack Valley

Common Ground Development Corporation (CGDC), CTI’s affordable housing development subsidiary, creates and preserves affordable housing in the Greater Lowell and Merrimack Valley areas.

Construction Underway in ActonCGDC has completed the tax credit financing phase for a project in Acton and construction is underway to convert the former High School into 15 units of affordable housing. Expansion in WestfordCommon Ground also is working with the Town of Westford to build an additional 36 units behind the existing 15 units of family rental housing in the Stony Brook area it developed earlier.

Milly’s Place Family Shelter Renovated and ReopenedCGDC oversaw the renovation of CTI’s Milly’s Place Family Shelter at 360 Pawtucket Street, Lowell. The shelter was reopened in June and currently houses 7 homeless families, providing full case management services to help them re-establish independence and long term financial stability.

Housing for the Elderly and DisabledCTI’s Merrimack Valley Housing Services subsidiary owns and manages the 60-unit Merrimack Valley Apartments in Methuen. For nearly 30 years, CTI has maintained and enhanced this HUD 202 Project for elderly and handi-capped residents.

You may request a copy of CTI’s audited financial statements and IRS Form 990 by contacting Chief Financial Officer Penny Judd at 978 459-0551 or pjudd@comteam.org.

Revenues, Expenses and Numbers ServedCommon Ground Development Corporation 15 Affordable units underway in Acton

Common Ground and the Town of Acton recently held a groundbreak-ing ceremony to mark the construction of 15 affordable rental housing units called the Old High School Commons located at the former Acton High School site. The development will provide quality rental housing for low and moderate-income families.On hand were Common Ground’s Steve Joncas (3rd from left), town officials, funders and former Acton High grads.

Dollars Spent 2006

Lowell $18,357,697 $ 6,161,467 $ 14,564,138 $ 864,183 $39,947,485

Billerica 492,920 729,423 237,091 42,766 1,502,200 Chelmsford 297,746 491,987 169,350 26,228 985,311

Dracut 616,862 856,990 1,761,245 91,760 3,326,857 Dunstable 15,671 16,964 33,870 2,125 68,630 Tewksbury 294,897 512,050 203,221 26,754 1,036,922

Tyngsboro 136,764 227,231 101,610 12,030 477,635

Westford 55,560 194,321 203,221 25,486 478,588 Other Towns 327,663 3,616,114 16,596,344 512,314 21,052,435 GRAND $20,595,780 $12,806,547 $33,870,090 $1,603,646 $68,876,063 TOTALS

Lowell 12,886 9,164 11,659 832 34,541

Billerica 346 1,093 190 41 1,670 Chelmsford 209 725 136 25 1,095

Dracut 433 1,288 1,410 88 3,219 Dunstable 11 6 27 2 46 Tewksbury 207 764 163 26 1,160

Tyngsboro 96 325 81 12 514

Westford 39 286 163 25 513 Other Towns 230 5,441 13,286 493 19,450 GRAND 14,457 19,092 27,115 1,544 62,208 TOTALS

Cities & towns served

division of Child & family

serviCes$

division of workforCe

development$

division of energy & Community

resourCes$

totals for all

divisions$

division of housing &

homeless serviCes$

Cities & towns served

division of Child & family

serviCes

division of workforCe

development

division of energy & Community

resourCes

totals for all

divisions

division of housing &

homeless serviCes

Dollars Spent 2011

Numbers Served 2011

ARRA 3%

City 0% Other 7% Federal (direct) 13%

State (direct) 20%

Federal (through State) 57%

Revenue by Source FY11 Expenses by Major Programs FY11

Housing 40%

WIC 2%Family Child Care 5%

Youth Programs 3%Infant Toddler 1%

Preschool/Head Start 12%

OtherPrograms 12%

Energy 14%

__

______

_________

Advocacy 1%Scattered Sites 1%

Shelters 4%Community Resources 2%

Youthbuild 2%Workforce Training 1%

___________

____

*

*Total numbers served contain some duplicate clients.

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Shown seated, l-r are Gloria Johnson, Gabrielle Crueger, City Councilor Rita Mercier, Marie Sweeney, Rita O’Brien Dee, Germaine Vigeant-Trudel; and standing, l-r Glenn Goldman, Paulette Renault-Caragianes, Stephen O’Connor, Diana Ryder, Marty Conway, Debra Hovanasian, Tom Joyce, Sheila

Och, Beth Fox, Raymond Riddick, Robert Correnti and David Brown.

Special Awards

40 Years of Service. Deputy Executive Director Bill Lipchitz celebrated 40 years of service.

Jackie Pintal Award. Jorge Cruz received the Jackie Pintal Spirit of Teamwork Award for his good natured, team building attitude and extensive support of every division across the agency.

Team Excellence Award. The staff of Child and Family Services’ Department of Transportation received this year’s Team Excellence Award for achieving high quality programming and becoming a national model in keeping children safe and families happy.

Anniversaries

2011 Board Members*

Germaine Vigeant-TrudelPresident

Sheila Och, Vice President

Glenn Goldman, Treasurer

Stephen C. O’ConnorAssistant Treasurer

Elizabeth Fox, Clerk

Jennifer BalalaDavid A. BrownMarty ConwayRobert M. CorrentiGabrielle CruegerFranky DescoteauxElaine EspindleDebra HovanasianThirith HutGloria JohnsonThomas A. JoyceRichard LemoineRita MercierJames MilinazzzoRita O’Brien DeePaulette Renault-CaragianesRaymond E. RiddickDiana RyderMarie P. SweeneyDonald Washburn

Catherine MaynardDirector Emeritus

*This list includes members who served at any point during 7/1/10-6/30/11.

Board of Directors, Local Heroes and Head Start Policy Council

40 Years

Central AdministrationWilliam F. Lipchitz

30 Years

Child & Family ServicesCarol A. Player

Community ResourcesEileen M. Marchildon

20 Years

Child & Family ServicesMaria FrancioneKointheir Pen

Housing & Homeless ServicesLuz Zaragoza

15 Years

Central AdministrationSusan M. Powers

Child & Family ServicesArlene L. CurtisClaire A. DennisLaurie A. GreenleafMaureen E. JarekJean E. LamarcheMonserrate M. MartinezJuana Torres

Community ResourcesLourdes Carrasquillo

Housing & Homeless ServicesStacey L. Stanichuk

10 Years

Central AdministrationMatinol ChanJo-Ann M. Screpetis

Child & Family ServicesLuz CanoApril S. DecJennifer L. DiepMary Ford-LakeDeborah E. LafondJoselyn A. LebronCarlos C. MendoncaClaribel Velez

Housing & Homeless ServicesJanice R. WilliamsAtilio J. Winfrey

5 Years

Central AdministrationMaria A. Solarez

Child & Family ServicesAltagracia AriasFrances M. DobyShawna L. FlahertyMarianne T. FullamJoAnn S. HowellVaia KanavasKim S. KangRamon LebronKimberly LennonWilliam MaKatherine NunezAraceliz OrtegaMelinda Phauk-AquinoKristin ShaverKerri Wemmitt

Community ResourcesJane S. BenfeyEileen L. DubeChristina Santos-Gordon

Housing & Homeless ServicesRichard P. ConantAbraham GlaserDavid OuelletteCarlos I. RiveraLuis A. Vazquez

Integration ServicesOlga I. Rashid

Workforce DevelopmentMcKenzie J. Boekholder

Employee Awards and Anniversaries

CTI’s Board of Directors Community Teamwork, Inc.’s Board of Directors provides for 24 seats, divided equally among the low income, public and private sectors of our community. We are grateful for this diverse and talented team’s dedication to the governance and leadership of Community Teamwork, Inc.

Seventeenth Annual Evening with Local HeroesOver 400 community members joined CTI on Wednesday, October 27, 2010, at Lenzi’s in Dracut, MA, to honor nine publicly nominated, Greater Lowell organizations and individuals who inspired and amazed us by their extraordinary commitment to community service and activism. Honorees included the Lowell High School Junior Air Force ROTC (President’s Award, see photo on page 9), Frank O’Malley (Marjorie McDermott Award), the late Edward A. Fish, State Senator Susan Tucker, Rebecca Duda, JoAnne McQuilkin, Stephen Green, Ashley Toland and the Lowell Telecommunications Corporation.

Head Start Policy CouncilCTI’s Head Start Policy Council is composed of parents of children currently or formerly enrolled in the Head Start Program and representatives of partner agencies. The Council has a unique relationship with the agency, being responsible for approving all major hiring and policy changes in Head Start (see photo on page 9).

The staff of Child and Family Services’ Transportation Department received this year’s Team Excellence Award.

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How You Can Help

We extend our appreciation to all of CTI’s funders and contributors for supporting our mission to alleviate the effects of poverty in peoples’ lives. We have made every effort to include all funding and donation sources for fiscal year 2011 and apologize for any omissions.

n General Donation. Make a donation in your own name to support the programs of CTI.

n Matching Gift. Include your employer’s Matching Gift Program information, which can double the size of your gift.

n Memory and Honor Gifts. Make a donation in memory of someone special or in honor of a holiday, birthday, wedding or other special occasion. We will send a personalized acknowledgement to those you name.

n Endowment Gift. Contribute through the CTI Endowment Fund established through the Greater Lowell Community Foundation. These contributions qualify for maximum deductibility for income, gift or estate tax purposes and donors receive a charitable tax deduction in the year the gift is given. You may establish a fund with a one-time gift or multiple gifts that carry the name of your family or loved one, or you may establish a charitable gift annuity that offers you a source of tax deferred income, while giving CTI an annual gift income.

Sending Your GiftSend your donations to:Community Teamwork, Inc.155 Merrimack StreetLowell, MA 01852Make credit card donations at www.comteam.org(click Donate on our Homepage).

All these methods of giving are 100% tax deductible. For more information, please call 978 459-0551.Please visit www.comteam.org to read our Donor Bill of Rights.

Funders and Contributors

Direct Consumer SalesWorld PEAS Collaborative

Federal FundingCorp. for National & Community ServiceDept. of AgricultureDept. of EducationDept. of EnergyDept. of Health & Human ServicesDept. of Housing & Urban DevelopmentDept. of LaborFederal Emergency Management AgencyLowell National Historical ParkNational Network to End Domestic ViolenceSmall Business AdministrationU.S. Dept. of Justice

Massachusetts StateFundingCommonwealth CorporationDept. of Business & DevelopmentDept. of Early Education and CareDept. of Elementary & Secondary EducationDept. of Industrial AccidentsDept. of Public HealthDept. of Housing & Community DevelopmentDept. of Children & FamiliesDept. of Transitional AssistanceDivision of BanksMass. Clean Energy Center Mass. Housing Investment Corp.Mass. Housing PartnershipMass. Interagency Council on Housing and HomelessnessMass. Office of Small Business & Entrepreneurship

City of Lowell FundingDivision of Planning & DevelopmentLowell Community PartnershipLowell Public SchoolsHunger Homeless Commission

Foundations & Funds3M FoundationAubert J. Fay Charitable FundAudette Family TrustClancil FundClowes FundFarm AidFarm Credit NortheastDisney FoundationDonahue Charitable FoundationElinor & Harold Grant FundGerald J. Laba Memorial FundGreater Lowell Community FoundationHarry Chapin FoundationLorna Shapiro Scholarship FundLowell Sun CharitiesMencis TrustMorgante Family TrustPaul & Phyllis Fireman FoundationStacy Stott Memorial FoundationStronge Family Foundation Theodore Edson Parker FoundationThibault FoundationTrustees of the Ayer HomeTufts Health Plan FoundationUnited Way of Mass. Bay & Merrimack Valley

Banks & Credit UnionsDigital Federal Credit UnionEastern BankEnterprise BankJeanne D’Arc Credit UnionLowellBankLowell Firefighters Credit UnionLowell Five Cent Savings BankM/A COM Federal Credit UnionMerrimack Valley Federal Credit UnionPentucket Bank of HaverhillTD BankWorkers Credit UnionWashington Savings BankBoston Private Bank & Trust Co.

Faith Based OrganizationsChelmsford Aldersgate Church Central Baptist Central Congregational Grace CommunityConcord Trinity Episcopal ChurchDracut Christ Church United

Lowell Catholic Charities Christ Church United Eliot Presbyterian Greater Lowell Interfaith Partnership to End Homelessness (GLIPH) St. Joseph the Worker Shrine St. Marie’s Parish Transfiguration Greek Orthodox ChurchTewksbury St. William’s ParishWestford United Methodist

Businesses & OrganizationsAAA Merrrimack ValleyAll Brand New EnglandAmerican Training Inc.Athenian CornerASAP Fire & Safety CorporationBeschipBob’s Discount FurnitureBPB RealtyCartridge WorldCavaleirosChiungos Properties, Inc.Cobblestones RestaurantCommittee to Elect Susan TuckerCommunity Networks CorporationC.R.S. Commercial RefrigerationDanetti InsulationDeb Daley DesignsDick Lepine Real Estate, Inc.D’Youville Life & WellnessEddy’s BakeryExecutive TanGaravanian TravelGreater Lowell Chamber of CommerceHaffner’sHumanityImpact PromotionIndigo SpaJ.M. Coull, Inc.Joncas AssociatesJames L. Cooney InsuranceKnights of Columbus, DracutKurland & Grossman, P.C.LaBonicheLowell General HospitalMahoney Funeral HomeMeadowcreek Golf CourseMerrimack Valley Chamber of CommerceMerrimack Valley Oil, Inc.Mill City EnvironmentalMoonstones RestaurantMuldoon Brothers, Inc.Nicosia & Nicosia Attorneys

Northeast Association of RealtorsNobis EngineeringOne Family, Inc.Parent Policy Council (CTI)Progressive Engineering ConsultantsProperty ConsultantsR.J. InspectionsRed Mill GraphicsRotary Club of DracutRotary Club of LowellSantoros Sub ShopSaro’s ChiropracticSaints Medical CenterSylvester ElectricTalty FlooringTen Men, Inc.The Club FitnessThom Anne Sullivan CenterTriumverate EnvironmentalTutto BeneUnion OfficeUnited Restaurant EquipmentWDC ContractorsWestscott Site ServicesWinslow ArchitectsWoodard & CurranWoodman Associates Architects

Community MembersFred AbisiLee AckleyLinda ArdisPeter & Rosemary AucellaDon & Dot AyerWalter BacigalupoJennifer BalalaBarbara & Michael BaileyBarbara BarbinJason BardzikJane & Don BarrenSusanne BeatonJoan BedfordDoris BelleroseSteve BelsantiJane & Tom BenfeyBeverly BennettLorraine BergeronJudith BerubeLinda BloomgrenLindsay BojanowskiPinkham Bouasri & FriendsBarbara BradleyMaureen BroomallDavid BrownThe Brown FamilyKen BuffumJohn & Deb BukalaCatherine & Dale BurdtJudith BurkeRobert BurkeCrystal Burnett

Children in CTI’s Big Brothers Big Sisters program extend their gratitude to mentors and donors.

16

Cheryl CallahanEd CameronMarilyn CampbellRon Caruso & FriendsCatherine CaseyJill CaseyJames CassinMat ChanDeborah ChausseJohn & Mary ChiesaDavid ClappCarol ClevenChris & Mallory ColemanJames ColemanMarty ConwayRobert CorrentiShawn CoteTracy CourchaineLeo CreeganDebra CrispoGabrielle CruegerAnn Cullerton & FriendsJennifer DariusChristine DeFeo & FamilySheri Denk & FamilyFranky DescoteauxPaula DillMaureen DiPalmaLorraine DodgeRobert DolanStacey DominoFriends of Dracut Public SchoolsEffie & Jim DragonPatricia DriscollTami & George DristiliarisClaire DuBoisRebecca DudaRoger Dumont & FamilyAndrew DuncanGeorge & Carol DuncanSandra DunningRachel & Greg EdlundGeorge EliadesJennifer EhlertElaine EspindleTracy EspinolaPaula Ehwa & FriendsMatt FalewiczDr. James FantazianDavid & Joan FarrellLinda FarrellMatthew FitzpatrickElizabeth FoxKaren N. FrederickMaureen Gallagher & FriendsNormand Gauthier & FriendsShirley Garvey & FriendsJohn GearyKempton Giggey, Esq.Joyce GilliganAngela GitschnierAmy GlowackiGlenn & Tracey GoldmanDebra GrossmanJames HaleyWayne and Kathleen HayesThe Hayes FamilyJim Higgins Donna HoustonDebra Hovanasian

Thirith HutDonna Irwin & FriendsRobert JacobsGloria JohnsonSteve & Nancy JoncasDon & Sue JonesSteve JonesHugh JosephThomas A. JoyceAlison KalmanMonica KanellasMike & Debra KendrickCarole KenneyRaymond KomowHenry KucharzykLaurie LabaRichard & Judith LalimeKatherine LamoureauxRobert LamoureauxRobert LaRochelleSteve LemayRichard LemoineMichael Lenzi & FamilyFriends of Lowell City HallFriends of Lowell Public SchoolsJudy MachadoLeo & Dee MaguireSteve MaguireJoan MahoneyJohn & Maryellen MahoneyPhilip & Patricia MaiaDonald MainMyrna MalecSteve & Judy MallettePamela MarchandAlice MarderosianAnnie Marie Martin & FriendsConnie MartinLarry & Maggie MartinLeslie MartinKen Masson & FriendsEvelyn McCartneyPat McCoyThomas McDonaldJohn McDonoughBeatrice McLuinKenneth McPartlandTanya MeadCarlos MendoncaRita MercierTheary MeyerLeo MichaudArlene MieleJames MilinazzoSusan MitchellLaurette MooreStephen MoriartyRebecca MorseMaureen MulcahyKathleen MuldoonDebra MullinsShannon Murphy & FriendsMary-Ann NicholsElaine NugentGeorge NugentMarc & Dee NybergPhil NymanRita O’Brien DeeDanielle & Brian O’ConnorJamie O’Hearn

Sheila OchDan O’ConnorStephen O’ConnorMarie O’RourkeCharles OttLynn & Dave OuellettePasse-Temp ClubMartha PatnaudeBrian Patterson & Robert BurkeFrank & Marilyn PeabodyVirginia PeacockErnest & Rena PerelmuterTeresa PerrotaJames & Janice PetersonScott & Sylvia PlathDan Picard & FriendsEllen & Jim PowerSusan Powers & FamilyEmily ProctorLisa QuadrosJoan & William QuinnRay RiddickJoan RossMJ RourkSam RousMarc & Lori RouxDiana RyderMalcolm & Mona RobertsLaura RochaHerbert RobinsonAntonio & Maria SantosJames ScanlonDiane SilvaSusan SilvaKathleen SimonWilliam SimonKristin Ross SitcawichNicholas SarrisHenry SaucierPaul SaucierTess SchatzerMarina & Peter SchellBryan ShanleyTom & Marybeth ShanahanKristin ShaverSharon M. SheltonWill & Sara ShepardAlan & Judith ShermanIrena SienkoLee SmithLinda SoucyJoanne & Kevin SouzaLura & Robert SmithJohn SpangThe Stagnone FamilyRebecca & Jerry StarcevicDavid StewartScott SuprenaultMelissa SuprenantHerb & Elaine SweetserMarie & Bill SweeneyMaura SweeneyJessica TeaLisa Taylor-MontminyFriends of The Lowell PlanMichael TourvilleEd TrudelDave TurcotteKatherine TyndallCharlene Urbanek

Germaine Vigeant-TrudelRita VillandryTed VillandryDon Washburn & FamilyDorothy WebbDaniel WebsterAmy WernerPeter White & FriendsLeslie WilcoxDebra & Dan WilliamGayle WilliamsSandra WilsonSheila & Wes WoodcockAl & Claire WuolleElaine Zaminsky & FamilyNorm ZarellaKevin ZippsWilliam & Lynne Zounes

300 Club Employee Giving*Meghan Adie Cheryl AmeySamuel AndersonJoan G. AseltineStella A. BabaianDavid BalchMarina BalkasJane Benfey Pinkham BouasriSonia CaquiasMatinol ChanKaren A. ConnollyEugene CordesDeborah L. CrispoDoreen Davis Kathleen DearbornElena DeJesus Lucie DiazGregory EarlsDebra M. EnmanTracy EspinolaFernanda FariaPaula Fazzina Karen N. FrederickMeghan E. GaffneyBonnie Gage-AndersonDebra C. GagneAndrea GauntlettYuki O. GavinJoseph A. GiovannaniAbraham GlaserLeanne M. GeorgeNelsida GuzmanKathleen M. HayesEileen P. HealeyKristen R. HeylBruce J. JeffersonPenny JuddDeborah E. LafondLianne L. LinlavongWilliam Lipchitz Kelly LockwoodJuanita Lopez Bruce A. LowellStacey MacIsaacPhyllis MarionJessica L. McCarthyElaine MelansonCarlos C. MendoncaSusan Muise

Da vid Ouelle rre Marga ret Perez Susan M . Powers Mary G. Renn Carlos I. Rivera Shannon Robichaud Brent Rourke Julie A. Sa lois Christina Santos-Gordon H eidi Scott Elizabeth A. Shan ley Kristin Shaver Sharon M. Shelton Margaret M. Shepard Linda G. Silva Darlene Simon Maria A. Solarez Chrstine A. Starra tt Robert G. Tremblay Luis A. Va zquez Janet M. Veillette Elvinson Vera s Nancy Y. Walkton Vanessa White-Duquerre Nancy M . Zerbinopoulos Stacey L Stanichuk Atilio Winfrey Brian E. Yates

"See Other Employee Giv ing in Commu nity M embers Section

Carnival 2011 Major Sponsors Preventing Homelessl1ess in Greater Lowell

$7,500 + Key Wert Dicunond Sponsors En terpr ise Bank Lenz i's Ca tering

$2,500 + Key Largo PLatinurn Sponsors DeMo ulas Fo undation LowellBank Lowell Fi ve Cent Savings Bank MLS Property Informa tion

Network, Inc. New England M edical

Insurance Co. Sai nts Medical Center TO Bank

$1,500 + Lost Shaker of SoIt Sponsors 980 W CAP Radio Anstiss & Co ., P.c. John & Mary C hiesa Richard & Nancy Donahue Jeanne D 'Arc Cred it Union Lockheed Marrin l'vliss iJ es

& Fire Control Merrimack Inn Rea lty Trust Peabody Properties Trinity EMS

$1,000 + Pirates in Paradise Silver Sponsors C hrist C hurch United, Lowell E<1stern Bank HomeO wners Assis tance Program Labor Ready Lowell General Hospital Lowell Sun Charities, Inc. N ixon Peabod y, LLP Prid eStar EMS Technology Farm, Inc . Trinity Financial

$500 + /'forgaritaville Srorue Sponsors A&M Genera l Cont racting, Inc. All Sports Promotions AMD Global T elemedicine Atl an tic W ea th er ization Attorneys George Eliades

& George Theodorou Blue Cross Blue Shield Car bonnnea u Insulation, LLC Ca ro n Hea ting & Cooling, Inc. CC-T eknologies Covena nt l'vlorrgage, LLC C harters Brothers Construction Digita l Federal Credit Union Earthlink Business Fred C. Chu rch Gallagher & Cavana ugh, LLP G leason In surance Company Globa I Network Technologies Harvard Pil gr im Health Care Klein H ornig, Attorneys Law Office of Ron Eskin Lowell Sp inners Maugel Arch itects Merr imack Valley Housing

Partnership Metropolitan Telephone Co., Inc. Middlesex Community College Mill Ci ty Managemen t NMTW Community

Credit Union Rivers ide Medical Group The Lowell Plan, Inc. Tri-S tate Fire Protec tion W ashington Savings Ba nk WB M ason Willi a m Rave is Mortgage, LLC

Photo Credits Photo composites: James Higgins Sharon Shelton: cover, pg. 1 bottom, 3, 4 (mural), 6, 7, 10, 12 and 13 Adrien Bi sson, pg. 4 (boy), 8 & 9 (top), 9 (bottom right)

Centred Adminisbution

155 Merrimack Street lowell, MA 01852 978-459-0551 FAX: 978-453-9128

Karen N. Frederick Executive Director

William lipchitz Deputy Executive Director

Penny Judd Chief Financial Officer

Marilyn Campbell Human Resources Director

Charlene Urbanek Executive Assistant

Child and fcunjly Services

Julie Salois Associate Executive Director

Administrative Office, Intake and Enrollment, and School Age Program 155 Merrimack Street lowell, MA 01 852 978-459-0551

James Houlares Early Learning Center and Administrative Offices for After School Programs 126 Phoenix Ave. lowell, MA 01852 978-454-5100

Children's Corner 554 Pawtucket Street lowell, MA 01852 978-454-3350

Children's Vii/age at the Mill 246 Market Street lowell, MA 01852 978-453-1490

Lowell Family Child Care 126 Phoenix Avenue lowell, MA 01852 978-454-5100

Wakefield Family Child Care 607 North Ave., 2nd Floor Wakefield, MA 01880 781-245-4195

W/c Nutrition Program 45 Kirk Street lowell, MA 01852 978-454-6397

Housing and Homeless Services

Ed Cameron Associate Executive Director

Housing Office, Housing Consumer Education Center (HCEC), Section 8, Merrimack Valley Regional Network to End Homelessness & SHIFT 155 Merrimack Street lowell, MA 01852 978-459-0551

Residential and HomeBASE Programs 978-459-0551

Foreclosure Prevention Home Preservation Center 450 Merrimack Street lowell, MA 01854 978-970-0603

Energy and Community Resources

Connie Martin Associate Executive Director

Administrative Office, Financial Literacy Academy, Individual Asset Development. Family Resource Network, Big Brothers Big Sisters, Lorna Shapiro Scholars, Spindle City, Senior Volunteer Corps 155 Merrimack Street lowell, MA 01852 978-459-0551

Fuel Assistance (LiHEAP) 45 Kirk Street lowell, MA 01852 978-459-6161

Weatherization and Conservation & Appliance Management 978-459-6161, ext. 101

Heating Systems Repair and Replacement 978-459-6161, ext. 104

SuitAbility 101 Paige Street lowell, MA 01852 978-934-8898

Workforce Development

Cheryl Amey, Ph.D. Associate Executive Director

Administrative Office, Education and Training Center, New Entry Sustainable Farming Project 155 Merrimack Street lowell, MA 01852 978-459-0551

YouthBuild 391 Pawtucket Street lowell, MA 01 854 978-446-9803

Lowell Small Business Assistance Center 88 Middle Street, 2nd Floor lowell, MA 01852 978-322-8400

Affordable HOu.5ing Development:

Steve Joncas Director of Real Estate Development

Common Ground Development Corporation (CGDC) 155 Merrimack Street lowell, MA 01852 978-459-0551

For additional copies: 978-459-0551, ext. 5640 or visit www.comteam.org

Publication Coordinator: Sharon Shelton Design: Higgins & Ross