2020-05-12T14:13:14-05:00 2019-12-31 464016990 THE PUN GROUP LLP 200 E SANDPOINTE AVENUE SUITE 600 SANTA ANA CA 92707 990 2019-01-01 330656671 SPRINGBOARD NONPROFIT CONSUMER CREDIT MANAGEMENT INC SPRI 9517810114 4351 LATHAM STREET RIVERSIDE CA 925011749 MELINDA OPPERMAN PRESIDENT 9517810114 2020-05-12 FRANCES KUO P02057020 9497778800 173.254.195.178 2020-05-12 12:20:04 PD P 089241E3D8188DE0DE5C5F1B054BEDFB629F785F 089241E3D8188DE0DE5C5F1B054BEDFB629F785F 2019 2021-01-29 14:40:06Z MELINDA OPPERMAN 4351 LATHAM STREET RIVERSIDE CA 92501 31400694 0 X WWW.CREDIT.ORG X 1974 CA TO PROVIDE CREDIT EDUCATION, PROMOTE FINANCIAL LITERACY, PROVIDE HOUSING AND COUNSELING SERVICES, RELIEVE THE BURDENS OF GOVERNMENT AND ASSIST INDIVIDUALS IN FINANCIAL DIFFICULTY. 5 4 61 0 0 0 1734879 352962 15193379 3708107 155668 10791793 311860 103040 17395786 14955902 0 0 0 0 13037894 2788915 0 0 170203 5330473 4547403 18368367 7336318 -972581 7619584 17056952 11413185 14519085 1065749 2537867 10347436 X THE SPECIFIC PURPOSES OF THE CORPORATION SHALL BE TO SERVE THECOMMUNITY AND GENERAL PUBLIC BY PROVIDING EDUCATIONAL COUNSELINGSERVICES RELATING TO PERSONAL FINANCE AND CREDIT REGARDLESS OF ANINDIVIDUAL'S ABILITY TO PAY; THE DEVELOPMENT AND PROVISION OF HOUSINGAND COUNSELING SERVICES FOR THE BENEFIT OF MEMBERS OF AN APPROPRIATECHARITABLE CLASS; RELIEVING THE GOVERNMENTAL BURDENS OF FEDERAL,STATE AND LOCAL GOVERNMENTS AND THEIR POLITICAL SUBDIVIONS; AND BYENGAGING IN OTHER CHARITABLE AND EDUCATIONAL ACTIVITES PERMITTED OFORGANIZATIONS DESCRIBED IN INTERNAL REVENUE CODE 501(C)(3). 1 1 253326 464279 REVERSE MORTGAGE: REVERSE MORTGAGE OFFERS CLIENTS GUIDANCE AS TO WHETHER A REVERSE MORTGAGE LOAN OPTION IS RIGHT FOR THEM AND, IF SO, HOW TO QUALIFY. IN 2019, OVER 3,095 SESSIONS WERE CONDUCTED. 1341789 2347015 CREDIT AND DEBT COUNSELING: CREDIT.ORG PROVIDES FINANCIAL COACHINGIN THE AREAS OF MONEY MANAGEMENT AND BUDGETING FOR THOSE WITHCREDIT CARD AND OTHER UNSECURED DEBT. ONE POSSIBLE RESULT OF SUCHCOACHING IS ENROLLMENT IN A DEBT MANAGEMENT PROGRAM WHICH IS AMONITORED OR STRUCTURED REPAYMENT PLAN FOR WHICH NOMINAL FEES ARECHARGED. 494487 832994 HOUSING EDUCATION: CREDIT.ORG PROVIDES EDUCATION TO FIRST TIMEHOMEBUYERS AND THOSE HOMEOWNERS SEEKING TO AVOID FORECLOSURE.THESE SERVICES ARE MOSTLY PROVIDED AT NO COST AND ARE FUNDED BYFEDERAL GRANTS FROM THE U.S. DEPARTMENT OF HOUSING AND URBANDEVELOPMENT AS WELL AS OTHER PUBLIC AND PRIVATE SOURCES. 59821 10728180 59821 10728180 2149423 1 1 0 0 0 0 0 0 1 0 1 0 0 0 1 1 1 1 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 1 34 0 1 61 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 X 5 4 0 0 0 0 0 0 0 1 1 0 1 1 1 1 1 1 1 1 1 1 0 AL AZ AR CA CT FL GA IL KS KY MD MA MI MN MO NH NJ NM NY NC OH OK OR PA RI SC TN UT VA WV WI X X MELINDA OPPERMAN 9517810114 4351 LATHAM STREET RIVERSIDE CA 92501 MELINDA OPPERMAN PRESIDENT-CEO 60.00 X X 155080 0 10570 STACIE ANCTIL DIRECTOR 1.00 X 0 0 0 MIKE FRASCHILLA DIRECTOR 1.00 X 0 0 0 MEREDITH CHILLEMI SECRETARY 1.00 X 0 0 0 ETHAN HORN TREASURER 1.00 X 0 0 0 TODD EMERSON PRESIDENT-CEO 60.00 X 262163 0 11641 JUSTIN WALLER SENIOR VICE PRESIDENT OPER 50.00 X 176967 0 9797 LUIS CARRILLO GODOY DIRECTOR OF PROGRAM SERVICES 50.00 X 103653 0 7469 697863 0 39477 4 1 1 0 SPERIDIAN TECHNOLOGIES 2400 LOUISIANA NE BLDG 3 ALBUQUERQUE NM 87110 IT AND WEBSITE SERVICES 242455 INVESTIS DIGITAL 11201 N TATUM BLVD SUITE 200 PHOENIX AZ 85028 IT AND WEBSITE SERVICES 127500 2 72538 280424 352962 CREDIT AND DEBT COUNSELING 611600 2531133 2531133 HOUSING EDUCATION 611600 826852 826852 STATE PROGRAM ADMINISTRATION 611600 272568 272568 BANKRUPTCY COUNSELING 611600 77554 77554 3708107 230472 230472 2136475 2181113 -44638 -44638 -44638 24825000 14263679 10561321 10561321 10561321 OTHER REVENUE 900099 147678 147678 147678 14955902 14372468 0 230472 626218 626218 2162697 1400388 647608 114701 2777 2777 191227 29527 160925 775 7883 7654 229 559642 19625 539987 30 293912 300 293612 128066 7663 113244 7159 429911 429911 203355 203355 76671 20204 56467 PROGRAM ADMINISTRATION 1115845 1096904 18941 SERVICE FEES 491765 491765 AMORTIZATION OF DEBT IS 273586 273586 COMMUNICATION 135505 133553 1952 637258 172297 438545 26416 7336318 2149423 5016692 170203 574145 3131024 690017 63414 202688 1205567 37239 32860 7255124 6848660 13033998 406464 1239191 6283289 1279674 290567 17056952 11413185 769159 502694 2734 12769120 79220 565846 175000 412226 308835 14519085 1065749 X 2537867 10347436 2537867 10347436 17056952 11413185 7619584 189985 0 X X 0 1 X 1 0 X 3792811 3141943 3174792 1734879 352962 12197387 24106929 24122289 21722892 17517117 14372468 101841695 27899740 27264232 24897684 19251996 14725430 114039082 0 4116247 2940137 2977473 9221961 19462 19275280 4116247 2940137 2977473 9221961 19462 19275280 94763802 26292 119099 107234 155668 230472 638765 26292 119099 107234 155668 230472 638765 27926032 27383331 25004918 19407664 14955902 114677847 0.82630 0.80200 0.00560 0.00430 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 0 0 136293 112609 23684 893935 780886 113049 774706 773688 1018 5450190 5181477 268713 406464 DEFERRED COMPENSATION 262557 DEFERRED GAIN 46278 308835 X 17327000 189985 189985 17137015 -2181113 -2181113 14955902 9517431 2181113 2181113 7336318 0 7336318 PART X, LINE 2: THE ORGANIZATION IS EXEMPT FROM FEDERAL INCOME TAXES UNDER SECTION 501(C)(3) OF THE INTERNAL REVENUE CODE WITH A SIMILAR EXEMPTION UNDER CALIFORNIA STATE LAW. INCLUDED IN TAXES AND LICENSES IN THE CONSOLIDATED STATEMENT OF FUNCTIONAL EXPENSES $18,154 WHICH ARE LLC FEES PAID TO THE STATE OF CALIFORNIA. THE ORGANIZATION UTILIZES A TWO-STEP APPROACH TO RECOGNIZING AND MEASURING UNCERTAIN TAX POSITIONS, INCLUDING UNRELATED BUSINESS INCOME TAX. THE FIRST STEP IS TO EVALUATE THE TAX POSITION FOR RECOGNITION BY DETERMINING IF THE WEIGHT OF AVAILABLE EVIDENCE INDICATES IT IS MORE LIKELY THAN NOT THAT THE POSITION WILL BE SUSTAINED ON AUDIT, INCLUDING RESOLUTION OF RELATED APPEALS OR LITIGATION PROCESSES. THE SECOND STEP IS TO MEASURE THE TAX BENEFIT AS THE LARGEST AMOUNT, WHICH IS MORE THAN 50% LIKELY OF BEING REALIZED UPON ULTIMATE SETTLEMENT. AS OF DECEMBER 31, 2019, THERE WAS NO UNCERTAIN TAX POSITION. MANAGEMENT BELIEVES THAT THE ORGANIZATION IS NO LONGER SUBJECT TO INCOME TAX EXAMINATIONS FOR THE YEARS PRIOR TO 2014. PART XI, LINE 4B - OTHER ADJUSTMENTS: RENTAL EXPENSES -2,181,113. PART XII, LINE 2D - OTHER ADJUSTMENTS: RENTAL EXPENSES 2,181,113. 1 X X X X X X 0 1 0 0 0 0 0 0 0 MELINDA OPPERMAN PRESIDENT-CEO 155080 0 0 0 0 0 4795 0 5775 0 165650 0 0 0 TODD EMERSON PRESIDENT-CEO 262163 0 0 0 0 0 10308 0 1333 0 273804 0 0 0 JUSTIN WALLER SENIOR VICE PRESIDENT OPER 176967 0 0 0 0 0 0 0 9797 0 186764 0 0 0 FORM 990, PART III, LINE 2 REVERSE MORTGAGE OFFERS CLIENTS GUIDANCE AS TO WHETHER A REVERSE MORTGAGE LOAN OPTION IS RIGHT FOR THEM AND, IF SO, HOW TO QUALIFY. IN 2019, OVER 3,095 SESSIONS WERE CONDUCTED. FORM 990, PART III, LINE 3 THE CAL HFA PROGRAM GRANT (AKA: KEEP YOUR HOME CALIFORNIA) WAS DISCONTINUED IN NOVEMBER 2018. NO FURTHER INCOME WAS COMING FROM THIS GRANT. FORM 990, PART VI, SECTION B, LINE 11B PRIOR TO FILING, SPRINGBOARD'S FORM 990 IS REVIEWED INTERNALLY BY THE CEO, AS WELL AS BY AN INDEPENDENT CERTIFIED PUBLIC ACCOUNTING FIRM. ONCE THESE REVIEWS ARE COMPLETE, ONE OF TWO PROCEDURES IS FOLLOWED: A. COPIES OF THE FORM 990 ARE GIVEN TO THE BOARD MEMBERS FOR REVIEW PRIOR TO THE ANNUAL MEETING. AT THE ANNUAL MEETING, FORM 990 IS DISCUSSED AND ANY QUESTIONS OR COMMENTS ARE ADDRESSED; OR B. A COPY OF THE FORM 990 IS GIVEN TO EACH BOARD MEMBER WITH A NOTICE THAT INFORMS THE BOARD MEMBER THEY SHALL HAVE A WEEK TO REVIEW THE FORM 990 AND TO SUBMIT ANY QUESTIONS OR COMMENTS TO THE CEO. THESE QUESTIONS OR COMMENTS ARE THEN ADDRESSED AND CIRCULATED TO THE BOARD MEMBERS, UNLESS THE BOARD CHAIR REQUESTS THAT A BOARD MEETING BE CONVENED AT WHICH ANY AND ALL QUESTIONS OR COMMENTS CAN BE ADDRESSED. FORM 990, PART VI, SECTION B, LINE 12C EACH BOARD MEMBER IS REQUIRED TO COMPLETE A CONFLICT FORM ANNUALLY. THE FORM CONTAINS THE COMPANY'S CONFLICTS POLICY, AS WELL AS AN AREA IN WHICH THE BOARD MEMBER DISCLOSES ANY AND ALL ORGANIZATIONS IN WHICH THE MEMBER IS A BOARD MEMBER, COMMITTEE MEMBER OR AN EMPLOYEE. ADDITIONALLY, THE MEMBER IS REQUIRED TO CERTIFY THAT, EXCEPT AS DESCRIBED IN THE FORM, THEY ARE NOT AND HAVE NOT IN THE PAST YEAR BEEN: 1.) A PARTICIPANT, DIRECTLY OR INDIRECTLY, IN ANY ARRANGEMENT, AGREEMENT, INVESTMENT, OR OTHER ACTIVITY WITH ANY VENDOR, SUPPLIER, OR OTHER PARTY DOING BUSINESS WITH SPRINGBOARD WHICH HAS RESULTED OR COULD RESULT IN PERSONAL BENEFIT TO THEM. 2.) A RECIPIENT, DIRECTLY OR INDIRECTLY, OF ANY SALARY PAYMENTS OR LOANS OR GIFTS OF ANY KIND OR ANY FREE SERVICE OR DISCOUNTS OR OTHER FEES FROM OR ON BEHALF OF ANY PERSON OR ORGANIZATION ENGAGED IN ANY TRANSACTION WITH SPRINGBOARD. KEY EMPLOYEES REVIEW THE EMPLOYEE CONFLICTS OF INTEREST POLICY ANNUALLY AND ARE REQUIRED TO ANNUALLY CERTIFY THAT THEY HAVE REPORTED IN WRITING ANY CIRCUMSTANCE THAT, SINCE THEIR LAST EXECUTION OF THE POLICY, DID OR MAY HAVE INVOLVED A CONFLICT OF INTEREST IN THE CONDUCT OF SPRINGBOARD'S BUSINESS, OR MAY HAVE CREATED THE APPEARANCE OF INVOLVING A CONFLICT OR IMPROPRIETY. THE KEY EMPLOYEE IS ALSO REQUIRED TO ATTACH TO THE SIGNED POLICY A COPY OF THE WRITING DISCLOSING THE POTENTIAL CONFLICT. FORM 990, PART VI, SECTION B, LINE 15 THE COMPENSATION PROCESS FOR OFFICERS AND KEY EMPLOYEES IS PERIODICALLY ESTABLISHED BY A BOARD COMPENSATION COMMITTEE. THIS COMMITTEE TAKES INTO CONSIDERATION A NUMBER OF FACTORS INCLUDING: (1) AN INDEPENDENT COMPENSATION STUDY OBTAINED BY THE COMPANY; (2) THE 990S OF OTHER SIMILAR ORGANIZATIONS; (3) INTERNALLY COMPLETED COMPENSATION STUDIES. ANNUAL COMPENSATION AND ANY MERIT INCREASES JUSTIFIED BY PERFORMANCE ARE RECOMMENDED BY THE EMPLOYEE'S DIRECT SUPERVISOR; HOWEVER, THEY ARE SUBJECT TO FINAL APPROVAL BY THE CEO, PROVIDED THEY ARE WITHIN THE COMPENSATION RANGES ESTABLISHED BY THE COMMITTEE. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION'S EXEMPT APPLICATION WITH THE SUPPORTING DOCUMENTATION AND THE ANNUAL RETURN ARE MADE AVAILABLE TO THE PUBLIC BY WRITTEN REQUEST. FORM 990, PART XII, LINE 2C ALL REVIEW AND PROCESS FOR THE OVERSIGHT OF THE AUDIT OF ITS FINANCIAL STATEMENTS AND SELECTION OF AN INDEPENDENT AUDITOR REMAINS CONSISTENT BETWEEN YEARS. FORM 990, PART I, SUMMARY ESTABLISHED IN 1974, SPRINGBOARD NONPROFIT CONSUMER CREDIT MANAGEMENT, INC. DBA CREDIT.ORG IS A NONPROFIT COMMUNITY SERVICE ORGANIZATION WHOSE MISSION IS TO STRENGTHEN COMMUNITIES AND EMPOWER CONSUMERS BY OFFERING EDUCATIONAL SERVICES THAT PROMOTE FINANCIAL LITERACY, QUALITY FINANCIAL COUNSELING, DEBT MANAGEMENT SOLUTIONS, AND PATHWAYS TO AFFORDABLE HOUSING. CREDIT.ORG SERVES ALL SEGMENTS OF THE COMMUNITY, REGARDLESS OF THEIR ECONOMIC STATUS OR ABILITY TO PAY. THE AGENCY IS GOVERNED BY A VOLUNTARY AND DIVERSE COMMUNITY-BASED BOARD OF DIRECTORS AND IS ACCREDITED BY THE COUNCIL ON ACCREDITATION ("COA"), A NATIONALLY RECOGNIZED INDEPENDENT ACCREDITING BODY SIGNIFYING THE HIGHEST STANDARDS FOR AGENCY GOVERNANCE, FISCAL INTEGRITY, COUNSELOR CERTIFICATION AND SERVICE DELIVERY POLICIES. CREDIT.ORG'S TARGET POPULATION IS PREDOMINATELY LOW-TO-MODERATE INCOME ("LMI") LEVEL HOUSEHOLDS WHICH COMPRISES APPROXIMATELY 66% OF THE ORGANIZATION'S CLIENTELE. ADDITIONALLY, 57% OF THE AGENCY'S CLIENTS ARE MINORITIES. IN 2019, CREDIT.ORG PROVIDED DIRECT SERVICES TO 29,695 CONSUMERS, INCLUDING 8,316 IN FINANCIAL LITERACY AND EDUCATION PROGRAMS, 9,436 IN CREDIT AND DEBT MANAGEMENT PROGRAMS, 4,231 IN HOUSING COUNSELING PROGRAMS AND 7,622 IN DISTANCE EDUCATION PROGRAMS THAT SERVE PROSPECTIVE HOMEBUYERS NATIONWIDE WITH AN ON-LINE HOMEBUYER COURSE AND A ONE-ON-ONE ADVISORY SESSION THROUGH A TECHNOLOGICALLY-ADVANCED PHONE COUNSELING CENTER TO ADDRESS THE INDIVIDUAL'S UNIQUE HOUSING GOALS. FORM 990, PART III, STATEMENT OF PROGRAM SERVICE PUBLIC AWARENESS AND EDUCATIONAL MATERIALS CREDIT.ORG PROMOTES AND SEEKS TO RAISE PUBLIC AWARENESS OF ITS COUNSELING SERVICES AND THE AVAILABILITY OF ITS FINANCIAL LITERACY PROGRAMS AND MATERIALS THROUGH VARIOUS FORMS OF MEDIA, INCLUDING PRINTED MATERIALS AND THE INTERNET. IN 2019, THESE EFFORTS RESULTED IN 502,396 UNIQUE VISITORS TO CREDIT.ORG'S EDUCATIONAL CONTENT AND BLOG, AND 41,201 VARIOUS FINANCIAL EDUCATIONAL RESOURCES WERE ACCESSED BY ONLINE VISITORS. IN FURTHERANCE OF ITS EXEMPT MISSION, CREDIT.ORG UNDERTOOK THE FOLLOWING EXEMPT PURPOSE ACTIVITIES: ITEM A - COUNSELING AND EDUCATION CREDIT.ORG'S COUNSELING AND EDUCATIONAL SERVICES INCLUDE: BUDGET COUNSELING; EDUCATIONAL PROGRAMS, SEMINARS AND MATERIALS FOR FINANCIALLY DISTRESSED CONSUMERS TO ASSIST WITH MONEY MANAGEMENT, DEBT EDUCATION AND UNDERSTANDING CREDIT; PRE-BANKRUPTCY COUNSELING; PRE-DISCHARGE DEBTOR EDUCATION; REVERSE MORTGAGE AND HOUSING COUNSELING; FORECLOSURE PREVENTION HOUSING COUNSELING; AND GENERAL CREDIT AND DEBT COUNSELING. CREDIT.ORG'S SERVICES ARE FREE, WITH THE EXCEPTION OF PRE-BANKRUPTCY COUNSELING, PRE-DISCHARGE DEBTOR EDUCATION, PRE-PURCHASE HOMEBUYER EDUCATION, CREDIT REPORT REVIEW, SOME HOMEBUYER EDUCATION COURSES AND REVERSE MORTGAGE COUNSELING FOR WHICH A MINIMAL CHARGE IS MADE. AND WITH RESPECT TO THESE FEE SERVICES, CREDIT.ORG COACHES/COUNSELORS HAVE ALWAYS HAD THE DISCRETION TO WAIVE OR REDUCE RELATED CHARGES THROUGH CONSIDERATION OF AN INDIVIDUAL'S PERSONAL FINANCIAL SITUATION AND ABILITY TO PAY BASED ON THE BUDGET ANALYSIS REVIEWED BY THE COUNSELOR. IN 2019, CREDIT.ORG WAIVED FEES OF $9,490 FOR 50 DEBTOR-EDUCATION FINANCIAL SESSIONS AND 172 PRE-BANKRUPTCY COUNSELING SESSIONS. HOUSING COUNSELING CREDIT.ORG IS APPROVED BY U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT AS A COMPREHENSIVE HOUSING COUNSELING AGENCY AND PROVIDES FIRST TIME HOMEBUYER EDUCATION, LANDLORD/TENANT COUNSELING, PRE-PURCHASE AND POST-HOME BUYER COUNSELING AS WELL AS REVERSE MORTGAGE COUNSELING. BUDGET AND DEBT COUNSELING CREDIT.ORG PROVIDES GENERAL FINANCIAL LITERACY COUNSELING DESIGNED TO HELP COUNSELEES UNDERSTAND THE CAUSES OF FINANCIAL STRESS AND LEARN HOW TO TRACK AND EVALUATE SPENDING. THE COUNSELING SERVICE INCLUDES THE CREATION OF A STEP-BY-STEP PERSONALIZED BUDGET, TIPS TO HELP STICK TO IT AND AN ACTION PLAN AND OPTIONS TO HELP COUNSELEES MANAGE THEIR FINANCES MORE EFFECTIVELY. DEBT MANAGEMENT PLAN CREDIT.ORG OFFERS A DEBT REPAYMENT PLAN (I.E. DEBT MANAGEMENT PLAN ["DMP"]) IN SITUATIONS WHERE SUCH A PLAN IS THE MOST BENEFICIAL COURSE OF ACTION FOR A PARTICULAR COUNSELEE AS AN INCIDENTAL FEATURE OF BUDGET AND DEBT COUNSELING. CREDIT.ORG USES ITS DMP PROGRAM AS AN EDUCATIONAL TOOL THAT PROVIDES INDIVIDUALS WITH AN OPPORTUNITY TO DEVELOP THE DISCIPLINE AND FINANCIAL MANAGEMENT SKILLS NECESSARY TO OVERCOME THEIR FINANCIAL PROBLEMS AND LEARN NEW SPENDING AND FAVORABLE CREDIT MANAGEMENT HABITS. ITEM B - COMMUNITY EDUCATION WORKSHOPS IN 2019, THE CREDIT.ORG TEAM CONDUCTED 80 WORKSHOPS AND EDUCATED 1,020 CONSUMERS IN FACE-TO-FACE SETTINGS IN SOUTHERN CALIFORNIA. THROUGH THE FINANCIAL INSTRUCTIONAL TRAINING ("FIT") ACADEMY, THE AGENCY'S E-LEARNING PORTAL, 5,231 CONSUMERS SIGNED ON TO GAIN IMPORTANT FINANCIAL KNOWLEDGE VIA THE FINANCIAL LITERACY PLATFORM. IN TOTAL, THE TEAM PROVIDED FINANCIAL EDUCATION TO 6,251 CONSUMERS. AWARD WINNING EDUCATION IN 2019 CREDIT.ORG WON RUNNER-UP FOR THE NATIONAL FOUNDATION FOR CREDIT COUNSELING "OUTSTANDING INDIVIDUAL HOUSING COUNSELOR OF THE YEAR AWARD" FOR OUR ACCOMPLISHMENT IN THE PURSUIT OF EXCELLENCE AND PROMOTION OF CONSUMER FINANCIAL HEALTH. MOBILE OUTREACH VALUABLE EDUCATION ("MOVE") CREDIT.ORG PROVIDES AND PROMOTES FINANCIAL LITERACY EDUCATION THROUGH CLASSES AND WORKSHOPS HELD AT CREDIT.ORG LOCATIONS AND THROUGH CREDIT.ORG'S MOVE INITIATIVE. THROUGH CREDIT.ORG'S MOVE INITIATIVE THE AGENCY TRAVELS TO SOCIAL SERVICE ORGANIZATIONS, COMMUNITY GROUPS, SCHOOL OR COLLEGE CAMPUSES, MILITARY BASES, AND BUSINESSES TO CONDUCT FACE-TO-FACE FINANCIAL LITERACY SEMINARS IN COMMUNITY VENUES. THE PARTICIPANTS ARE MOSTLY LMI HOUSEHOLDS AND ARE EDUCATED ON SUCH TOPICS AS BUDGETING, MONEY MANAGEMENT, HOME PRESERVATION FORECLOSURE PREVENTION, UNDERSTANDING CREDIT REPORTS AND SCORES AND IDENTITY THEFT PREVENTION. FIT ACADEMY EDUCATIONAL OUTREACH THE FIT ACADEMY IS AN ONLINE FINANCIAL EDUCATION CENTER DESIGNED TO HELP CONSUMERS BECOME MORE KNOWLEDGEABLE ABOUT FINANCIAL MATTERS, AND OFFERS THE OPPORTUNITY FOR CONSUMERS TO EXPAND THEIR KNOWLEDGE AND UNDERSTANDING OF MONEY MATTERS FROM THE PRIVACY OF THEIR HOME WHILE WORKING AT THEIR OWN PACE. THE FIT ACADEMY HAS REACHED OVER 28,000 PARTICIPANTS IN THE LAST SIX YEARS. STATISTICAL ANALYSIS OF THE PRE AND POST-TESTS OF THESE FIT ACADEMY PARTICIPANTS REFLECT AN AVERAGE PERCENTAGE INCREASE OF 29% IN KNOWLEDGE GAINED. PRE-TEST AVERAGE SCORES WERE 69% AND POST-TEST AVERAGE SCORES WERE 89% WHICH TRANSLATES TO GRADES GOING FROM A "D+" TO "B+." AT THE COMPLETION OF THE CLASS EACH PARTICIPANT RECEIVES RECOGNITION VIA A DOCUMENT OF ACHIEVEMENT. AMERICA SAVES WEEK 2019 CREDIT.ORG SUPPORTED THE NATIONAL, SOCIAL MARKETING CAMPAIGN "AMERICA SAVES WEEK 2019", THE GOAL OF THIS PROGRAM IS TO PROMOTE AWARENESS OF THE NEED FOR GOOD SAVING HABITS, PARTICULARLY FOR LMI INDIVIDUALS. MILITARY SAVES WEEK 2019 MILITARY SAVES IS ANOTHER AFFILIATE CAMPAIGN OF AMERICA SAVES (SEE ABOVE). MANY SERVICE MEMBERS AND THEIR FAMILIES STRUGGLE TO MAKE ENDS MEET -- ESPECIALLY DURING DEPLOYMENTS. CREDIT.ORG'S WORKSHOPS WERE GEARED TO HELP MILITARY FAMILIES ADDRESS THE FINANCIAL STRESS AND CHALLENGES OF THOSE WHO SERVE IN UNIFORM. ITEM C - FREE EDUCATIONAL MATERIALS AVAILABLE TO THE PUBLIC CREDIT.ORG NEWSLETTER THE WEEKLY NEWSLETTER IS SENT OUT TO A MIX OF OPT-IN EMAILS (THESE PEOPLE SIGNED UP TO RECEIVE IT ON CREDIT.ORG'S WEBSITE), AS WELL AS CLIENTS THAT HAVE RECEIVED COUNSELING. THE NEWSLETTER COVERS A VARIETY OF WAYS TO SAVE MONEY IN MANY AREAS OF EVERYDAY LIFE, INCLUDING FOOD, ENTERTAINMENT, CELEBRATIONS AND HOME IMPROVEMENTS. MAKING CENTS OF FINANCIAL LITERACY CREDIT.ORG'S FREE RESOURCE GUIDE IS AN EIGHT-PAGE RESOURCE GUIDE AND AVAILABLE FOR FREE DOWNLOAD FROM THE AGENCY'S WEBSITE. CREDIT.ORG'S PUBLICATIONS AUTHORED BY THE AGENCY AND AVAILABLE FOR FREE, INCLUDE: HOW AM I GOING TO PAY ALL MY BILLS? COUPLES AND MONEY THE POWER OF PAYCHECK PLANNING SURVIVING THE HOLIDAYS THE WISE USE OF CREDIT RAISING A MONEY-SMART CHILD UNDERSTANDING CREDIT REPORTS AND SCORES ROADMAP TO FINANCIAL FREEDOM IDENTITY THEFT AWARENESS AND PREVENTION PREDATORY LENDING - DON'T BE A VICTIM! DEALS FOR WHEELS PRESERVING HOMEOWNERSHIP, FORECLOSURE PREVENTION (ENGLISH) CONSERVE SU CASA EVITE EL EMBARGO HIPOTECARIO (SPANISH) CONSUMER GUIDE TO GOOD CREDIT (ENGLISH) GUIA DEL CONSUMIDOR PARA BUEN CREDITO (SPANISH) SPRINGBOARD AFFORDABLE HOUSING LLC 555 CORPORATE DRIVE SUITE 110 LADERA RANCH CA 92694 454973595 MULTIFAMILY PROPERTY DEVELOPMENT CA 11515819 15584423 SPRINGBOARD HOUSING LLC SPRINGBOARD HOUSING LLC 555 CORPORATE DRIVE SUITE 110 LADERA RANCH CA 92694 454966244 MULTIFAMILY PROPERTY INVESTMENT CA 0 273279 SPRINGBOARD NONPROFIT CONSUMER SEMINOLE RIDGE - ORLANDO LLC 555 CORPORATE DRIVE SUITE 110 LADERA RANCH CA 92694 371697092 MULTIFAMILY PROPERTY MANAGEMENT NV 13999437 0 SPRINGBOARD AFFORDABLE HOUSING LLC SPRINGBOARD SOLUTIONS LLC 4351 LATHAM STREET RIVERSIDE CA 92501 273130421 GOVERNMENT CONTRACTING CA 235771 8868800 SPRINGBOARD NONPROFIT CONSUMER