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 for 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.”

“17,000 individuals experiencing financial distress. All of these individuals received credit counseling services and free educational tools and resources.”

“Community educators offering a list of more than 30 different topics or classes available to the community. The cesi outreach team tracks sign in forms and feedback forms from each class in a centralized database allowing us to report basic demographics on the individuals served as well as collecting specific feedback from those we served to help us improve our efforts.”

“Partners, facilitating home buyer group education for habitat for humanity of wake county and volunteers of america - maple court. Cesi staff participated in several community events including la fiesta del pueblo 2015, an annual festival celebrating latino culture. Cesi also assisted consumers through the north carolina housing finance agency (nchfa). First through the state home foreclosure prevention project (shfpp) which helps nc homeowners who have received a 45 day delinquent letter from their loan servicer to avoid foreclosure by putting them in contact with a hud housing counseling agency who can assist them with loss mitigation options. The second project was the hardest hit fund (hhf), north carolina foreclosure prevention fund (fpf), or the mortgage payment program (mpp). These projects help nc 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 a job or retrain for a new job. Between july 1, 2013 and june 30, 2014, cesi handled 108,599 phone calls from the shfpp and fpf programs.”

“Client payment processing provides services to cesi's debt management participants by processing all payments, working with creditors to secure a reduction in interest rates for the consumer, and educating consumers on how to better manage their finances. For the legacy portfolio, payment processing is outsourced to a third party service with cesi's final approval. In fiscal year ending june 30, 2015, cesi disbursed 57,598,946.87 to creditors on behalf of our clients. Cesi's student loan counseling program was created to assist student loan borrowers who have unmanageable or delinquent student loan debts. Consumers work with a cesi counselor to identify the best student loan solution for their unique situation and receive guidance throughout the process of sorting through the many repayment plans available as well as completing the confusing paperwork to address their student loans. In the fiscal year ending june 30, 2015, cesi counseled 963 individuals regarding their student loan debt. Pre and post bankruptcy counseling is offered for consumers in need of the required pre- filing credit counseling certificate or the post-filing debtor education course to complete their bankruptcy process. Before an individual files for chapter 7 or 13 bankruptcies, a credit counseling certificate from an eoust approved agency is required. These courses can be completed both online and by phone. In march of 2015 cesi acquired start fresh today, a firm specializing in pre and post- bankruptcy education courses. Cesi/start fresh today bankruptcy counselors completed 15,579 courses for consumers from march 21, 2015 through june 30, 2015. Representative payee service provides budgeting and bill payment services to social security administration beneficiaries who are unable to manage their ssi or ssdi benefits on their own and who do not have a trusted family member or friend to provide this service on their behalf. During the fiscal year ending june 30, 2015 cesi had more than 100 representative payee clients enrolled.”