Safeguard Credit Counseling Services Inc.

“Form 990 is reviewed by a qualified officer of the organization as well as the board of directors at a general meeting.”

“The company expects the undivided loyalty of its associates in the conduct of company business. It is important that associates be free from any financial interests or other relationships that might conflict with the best interests of the company. Accordingly, associates without written approval of their department head and the company's chief executive officer, 1. May not make an investment or have any vested interest in companies that compete with, supply services or products to or purchase services or products from the company. 2. May not serve as officers, directors, employees, agents or consultants of, perform services for or receive income from any enterprise or individual doing business with or competing with the company, or seeking to do so. In fact, without approval and appropriate written disclosure for regulatory purposes, associates may not serve as officers, directors, employees, agents or consultants to any other corporation. The company encourages participation in charitable endeavors and recommends that associates discuss major commitments if they might impinge on the demands oftheir job. 3. May not act in a fiduciary capacity for any client or customer of the company except as agent of the company. 4. May not organize a business for the purpose of doing business with the company or other associates of the company. Associates may not use their position to influence other associates or prospective associates to do business with themselves or any of their relatives. 5. May not give or receive gifts of more than a token value (currently 100.00) that are in any way connected with business relationships. 6. May not receive compensation from outsiders for services or products for which associates are being paid by the company. 7. Must comply with all provisions of federal and state laws as well as all company policies relating to client transactions and associate behavior. 8. May not receive any cash/non-cash compensation from a company doing business with or competing with the company, or seeking to do so, without first obtaining company approval. The above list of conflicts to be avoided cannot be exhaustive, thus when there is the slightest possibility for conflict, associates should discuss the situation with their department head and receive written approval prior to proceeding.”

“The board receives form 990 from other organizations for comparison purposes. Subsequently, a resolution is placed on the agenda of a board meeting, whereby the board will formally vote and approve the compensation to be provided. The outcome of the board vote is included within the minutes of the board meeting.”

“The board receives form 990 from other organizations for comparison purposes. Subsequently, a resolution is placed on the agenda of a board meeting, whereby the board will formally vote and approve the compensation to be provided. The outcome of the board vote is included within the minutes of the board meeting.”

“All documents available upon request”

“Dedicated to financial counseling and financial literacy education, in addition to diligently providing neighborhood stabilization, home education, and related administrative services and support, which has been focused on assisting consumers and communities reach their goals.”

“See attached statement 3-part iii, line 4a, following form 4562.”