Consumer Credit USA Inc

“1. Form 990 Preparation: a. Financial statements are prepared by CFO and ready its review at least 45 days after the closing year and send to CPA to prepare form 990 and requirements schedules. A copy of the Audited Report of Finacial Statements 2015 is sent to the CPA. b. A paper copy of the Audited Report of Financial Statements 2015 is sent to all Board of Directors by mail for their review. 2. Form 990 Review and Approval by the Board of Directors. a. First draft of the form 990 and schedules is reviewed by CFO for inconsistencies and/or discrepancies of numbers. Corrections are made if needed and second draft is made. b. Second draft of the form 990 is reviewed by the CFO and CEO. If corrections are not needed a final drat is made. c. Final draft of form 990 and schedules is provided to all Board of Directors . d. Final draft of the form 990 with corrections raised by the Board of Directors (if any) is sent back to the CPA.3. Form 990 Filing: a. Form 990 and required schedules is signed by the CEO and filed prior to the IRS due date. b. A copy form 990 and required schedules signed by the CEO is mailed to all Board of Directors members.”

“Part VI(Page # 6) SECTION B 12c Description of the process for monitoring andenforcement of conflicts.According to CCUSA "Conflict of Interest Policy" each member of the governingbody reviews and signs, at least once a year, " The Conflict of interest DisclosureForm", in order to monitor and enforce compliance with the policy”

“Part VI(Page # 6) SECTION B 15a- Description of the process for determining compensation. 15a. The Board of Directors of Consumer Credit USA, Inc. have a compensation committee made up of independent members of the Board of Directors. The compensation committee reviews,approves and determines the compensation package for the Top Management Officials(CEO, and/or Executive Director),Officers and Key Employees. . A. The compensation Committee meets annually to determine the appropriate amount to compensate the top Management Officials (CEO and/or Executive Director), Officers and Key Employees. B. The Human Resources Manager submits the files of the Top Management Officials(CEO, and/or Executive Director), Officers, and Key Employees to the Compensation Committee along with comparables data of the employees performance to ensure that the compensation program falls within a reasonable range of competitive practices for comparable positions among similarly situated organizations. C. The CFO provides the Compensation committee with annual reports to determine the Organization's ability and extent of funds available to provide employee's compensation. D. The Organization's Compensation Committee determines the appropriate amount to compensate the Top Management Officials (CEO and/or Executive Director) Officers and Key Employees. Last process taken on December 21, 2015. No Changes were applied.”

“Part VI (Page # 6) Section B (15b : Compensation review process for key employees is is the same as it is performed to the Officers Minutes of the deliberations and decisions of the Organization's Compensation Committee are contemporaneously kept. The Compensation Committee notifies the Board of Directors and sends the Human Resources Manager the review, in writing, indicating the results of the review. Last process taken on December 21, 2015. No changes were applied.”

“Consumer Credit USA, Inc. provides governing documents, conflict of interest policyand financial statements available to the public upon request.”