Greenpath Inc.

Filing Period

Jan 1, 2012 to Dec 31, 2012

Signed

May 14, 2013

Return Version

2012v2.1

Gross Receipts

$51,529,386

Mission

Major Activities

Activity 2

Educational services: greenpath counselors educate consumers about budgeting, money management, financial planning and goal setting and the wise use of credit. Over 700 of these one-on-one education/counseling sessions were conducted free of charge for individuals or families in 2012. In addition, greenpath counselors and community educators conducted 752 workshops/educational sessions in 2012 for groups affiliated with churches, social service agencies, high schools, colleges, employers, union locals and employee assistance programs. Total attendance at these sessions was 14,207. Greenpath partners with 269 credit unions and community banks nationwide through our accel member services and greenpath referral and education programs. These programs provide one-on-one financial counseling and education and group workshops on topics such as the american dream (home ownership), identity theft, kids and money, understanding your credit report, surviving a layoff, saving to achieve your goals, college bound and steps to financial freedom to 6.5 million credit union members and community bank customers. Greenpath also publishes a bimonthly newsletter for credit union members entitled "acceleration," which contains articles on credit, personal finance and money management.greenpath's banking is program is designed to teach high school age students about credit, banking and money management. The participating schools typically work banking is directly into their economics, civics or skills-for-living courses. In 2012, 14,855 high school students completed banking is. Greenpath also publishes educational materials for clients and the general public. These materials include "my path to financial freedom", a general text on personal finance and money management; "a fresh path," a text written for those choosing to file for bankruptcy and "debt free in due time", a text which provides guidance on how to negotiate interest rates and repayment terms with creditors. In 2011, greenpath launched greenpath university (gpu), a website dedicated to the improvement of financial literacy and the development of money management skills. Gpu contains dozens of self guided courses on topics such as credit & loans, saving & investing, bankruptcy and saving for college. Greenpath conducts live, weekly webinars on topics such as student loans, credit scores and identity protection which are recorded and archived on gpu so that they can be accessed by consumers at anytime. Gpu also contains a number of budgeting tools and calculators. Gpu is available to anyone at no cost at www.greenpath.com/university. Greenpath is authorized to provide both the statutorily required pre-filing counseling and pre-discharge education course to bankruptcy candidates. The pre-filing counseling helps consumers develop a workable budget and action plans to avoid circumstances that might lead to another bankruptcy filing. The pre-discharge education focuses on developing better money management and budgeting skills for those who proceed with bankruptcy. When a bankruptcy consumer wishes to begin the education course, the consumer is sent or downloads a book on the personal and financial implications of bankruptcy and life after bankruptcy entitled, "a fresh path". After reading "a fresh path", the consumer takes a test on the subject matter and then has a follow up session with a counselor during which additional teaching is done in those areas where questions were answered incorrectly. The counselor also reviews the previously developed budget and reviews techniques for adapting to and remaining on the budget. Finally, the consumer is educated on the following:* credit reports and credit scoring* how credit and credit scores are impacted by bankruptcy* how to rebuild your credit score * how to reestablish credit* evaluating future credit offers.client survey results from 2012 indicate that 95% of consumers receiving bankruptcy counseling or education from greenpath would recomme

Activity 3

Housing counseling:greenpath has been certified by the federal department of housing and urban development to provide pre-purchase, mortgage delinquency/loss mitigation and reverse mortgage (hecm) counseling since 1967. In 2011 greenpath was designated a hud intermediary in recognition of the quality of our housing counseling and its ability to delivery counseling to consumers in all 50 states. In 2012, greenpath counselors conducted over 92,000 housing counseling appointments with consumers.

Filer

EIN

38-6142925