Consumer Education Services Inc.

“The president & ceo and the director of finance are responsible for reviewing and approving the form 990 and the form 990-t before it is filed.”

“Officers, directors, and key employees are required to disclose any potential conflicts of interest annually on a conflict of interest form. Any known conflicts of intrest require immediate disclosure.”

“The board of directors generally determines and reviews the salary of the president and ceo.”

“The board of directors generally determines and reviews the salary of key employees.”

“Cesi makes it governing documents, conflicts of interest policy, and financial statements available to the public upon request. The organization form 990 is also available on guidestar.org.”

“Consumer education services, inc ("cesi") is a non-profit service provider of comprehensive personal financial education and solutions for all life stages and for all life's milestones our goal is enhanced economic security for everyone we serve.”

“The second part of the cesi outreach program effort is in the form of free individual financial counseling at the cesi center with an accredited cesi counselor. In the past years, cesi has tracked the outreach class informtaion in a spreadsheet, collecting the date, length, instructor, topic and location of each class as well as a number of persons attending. We have also collected paper evaluations from our students to allow our educators the feedback on how we can improve our education. These evaluations have been reviewed but not recorded in a database. Our effort to monitor our effeftiveness in reaching the needs of consumers with financial education, we redesigned our tracking process for 2014. We created a database where each class is entered with the ability to add the individual student information for each class. We also begin collecting demographic and contact information for our students as well as a pre and post assessment and a course evaluation that will allow us to report on the outcomes of out classes and effectiveness of our courses and instructors. This will allow us to do targeted follow-up with students who elect to provide us with their email contact information. We will provide ongoing educational resources that meet their specific needs or are targeted to their demographic. Cesi offers more that 35 different topics geared toward an adult or a youth audience. We utilize 5 community educators to conduct classes and assist the community partners. Cesi currently has 29 community partners that have received education support in 2014.”

“Festival celebrating latino culture. Cesi also assist consumers through the north carolina housing finance agency (nchfa). The first project is state home foreclosure prevention project(shfpp) which helps north carolina homeowners who have received a 45 day letter from their servicer to avoid forclosure by putting them in contact with a hud housing counseling agencies who can assist them with loss mitigation options. Other projects are hardest hit fund (hhf), north carolina foreclosure prevention fund (fpf), or mortgage payment program (mpp). Theses project help north carolina homeowners who have lost their jobs or have experienced some other type of employment related financial hardship to make their mortgage payments while they look for job or retrain for a new job. Between july 1, 2013 and june 30, 2014 cesi handled 104,658 phone calls with consumers that either received letters from nchfa or who have learned about the fpf program via the website ncforeclosureprevention.gov or other types of marketing that has been done for the program.”

“Client payment processing- this program provides services to its debt managemnt participants with respest to processing payments, working with creditors to secure a reduction in interest rates, and education and training clients to better manage their finances. For the legacy portofolio, client payment processing is outsourced to a third party service with cesi's final approval.”