Credit Advisors Foundation

“The board completes a thorough review of form 990 and all schedules prior to filing”

“The board has a written conflict of interest policy that requires all boar d members to reveal any and all conflicts. This policy is reviewed annual ly. The company has a vendor policy which requires registration of all ma jor vendors. Registration requires acknowledgment of all relationships to board, officers and employees. In addition, the company follows a risk m”

“The executive committee of the board annually reviews officers and key emp loyees of the organization including compensation. They review relevant i ndustry and regional salary surveys, compensation reviews and other inform ation gathered through 3rd parties and 990's. In addition they complete p erformance review.”

“SEE ABOVE”

“All documents available upon request.”

“Correction to officer salary categories.”

“Housing in 2017, 3,936 clients agency-wide participated in housing education and/or housing counseling.under caf's hud multi-state organization approval for the states ofarizona, iowa, and nebraska we provide a variety of housing counseling andeducation, such as: fair housing pre-purchase counseling and education,financial management/budget counseling, mortgage delinquency and defaultresolution counseling, rental housing counseling and tenancy workshops,services for homeless counseling and reverse mortgage counseling. 1,110 clients located in caf's hud approved geographic locations received full housing counseling and education services during the 2017 calendar year. Education the foundation offers credit education services to the public which includes credit counseling, budgeting services, action plans, publications and speakers. In 2017, credit advisors foundation provided credit counseling to 7,600 individuals, of these, 4,237 received budgets/credit counseling and action plans which included debt management plans. 3,254 education topic specific hot sheets were distributed. Credit advisors foundation additionally supports electronic education through e-newsletter and publications geared toward money management. Currently there are over 25,000 subscribers of this information. In 2017, 1,411,975 consumer publications were delivered with focuses on spending, budgeting, and consumer news. All of these are distributed free of charge. Public speakers are also available to give presentations to various groups requesting financial education. Among these groups are high schools, social service agencies, colleges and community agency partners. Speakers instruct the groups on a wide variety of consumer topics related to the proper use and management of credit. Approximately 607 people at 50 presentations benefited from these services. Finally, our website is regularly updated wiith valuable consumer information and access to on-line interactive q&a's. Over 85,188 unique visitors came to our websites. Debt management plans of the 5,363 individuals we counseled in 2017, 704 required long-term commitment to budgeting and managing debt which resulted in a debt management plan recommendation. For those individuals placed on a debt management plan, a budget is created, arrangements are made with creditors, and the client receives continuous education throughout the time they are on the plan. This education includes access to our client advisors, attendance in our seminars, on-line debt management, consumer education modules, publications and counselor initiated counseling throughout the plan. Form 990, part iii, line 4d- all other accomplishments bankruptcy counseling the foundation is approved by the executive office of the united states trustee to provide pre-bankruptcy counseling and certification in person, on the phone, or over the internet in all 21 judicial districts, and alabama and north carolina, to consumers experiencing financial difficulties and contemplating bankruptcy. This counseling is provided free of charge, for hardship cases or in those cases where the client cannot afford to pay. In 2017, 3,533 credit counseling certificates were issued of these approximately 837 clients received waivers. Representative payee services in 2017 we provided these services to 45 individuals in conjunction with social security administration.”

“Debt management plans- see schedule o”

“Book to tax depr/amort 44,321 book to tax amort adjustment -31,915 total 12,406”