Consumer Credit Counseling Service Of

“The Controller reviews the 990, which is prepared by an independent accounting firm, for accuracy before it is filed.”

“The CEO is responsible for monitoring and enforcing compliance with the conflict of interest policy by annually reviewing the policy with officers, directors, and key employees and reminding them of their obligation to disclose such conflicts.”

“July 1st of each year each officer will be presented with a list of at least 5 specific and measurable goals for the next 12 months. For the CEO, the goals will be established by mutual agreement between the CEO and the chairman of the board of directors. For the Vice presidents, the goals should be established by mutual agreement between the CEO and each vice president. Officers report on a quarterly basis as to the progress to the chairman of the board and the chairman of the human resources committee for annual review.Formal performance appraisals for each officer will be conducted using the following criteria: Job knowledge, decision making, leadership, accountability, personnel management, communications, and goals. The chairman of the board will conduct an appraisal meeting with the CEO. The ceo will conduct formal appraisals with each of the vice presidents. Any increases in compensation will be sumitted to the controller with the appropriate documentation.”

“Governing and policy documents are made available upon request.”

“OTHER PROGRAM SERVICES 4: Education Program provides financial literacy education to the public OTHER PROGRAM SERVICES 5: Reverse Mortgage Counseling - Provides counseling to persons wishing to take out a reverse mortgage so that they can make an informed decision. OTHER PROGRAM SERVICES 6: COMPREHENSIVE HOUSING COUNSELING - PROVIDES PRE-PURCHASE AND POST-PURCHASE HOMEBUYER COUNSELING OTHER PROGRAM SERVICES 7: EMERGENCY HOME LOAN PROGRAM - PROVIDES COUNSELING AND HELP TO PEOPLE TO DETERMINE IF THEY QUALIFY FOR A LOAN THROUGH A GOVERNMENT PROGRAM AND ALSO HELP TO GET A LOAN IF THEY QUALIFY.”

“Merger with GreenPath, Inc. = -$179736”

“Form 990, Schedule L, Part IVThe chairman of the organization is a key employee of the firm that provides the organization's insurance coverage. However, all insurance proposals are voted on by the full board and the chairman abstains from voting on insurance matters for the organization.”

“The organization does provide debt management counseling and credit counseling services. They do not hold any funds in escrow on behalf of other parties, nor do they serve as custodians of funds for other parties.”

“The national foundation for credit counseling disburses funds to the organization that the organization has been granted as a result of its programming with regard to the u.s. Department of housing and urban development. The nfcc is essentially serving as a conduit to pass along these granted funds from hud to the organization.”