2019-05-14T14:56:22-05:00 2018-12-31 464016990 THE PUN GROUP LLP 200 E SANDPOINTE AVENUE SUITE 600 SANTA ANA CA 92707 990 2018-01-01 330656671 SPRINGBOARD NONPROFIT CONSUMER CREDIT MANAGEMENT INC SPRI 9517810114 4351 LATHAM STREET RIVERSIDE CA 925011749 TODD EMERSON PRESIDENT 9517810114 2019-05-14 FRANCES KUO P02057020 9497778800 173.254.195.178 2019-05-14 12:57:26 PD P 25B5B3B0ABC4A1E493D45DDD4D0B3EFF5838B6E3 19D86D94D03DA3213986CFF9BD0A1C6D9557E984 2018 2019-02-21 02:37:17Z TODD EMERSON 4351 LATHAM STREET RIVERSIDE CA 92501 19562852 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 4 223 0 0 0 3174792 1734879 18721574 15193379 107234 155668 3001318 311860 25004918 17395786 0 0 0 0 18495411 13037894 0 0 218941 7339291 5330473 25834702 18368367 -829784 -972581 19732443 17056952 16066807 14519085 3665636 2537867 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). 0 0 11369524 12149619 KEEP YOUR HOME CALIFORNIA: SPRINGBOARD SOLUTIONS LLC ADMINISTERS CALIFORNIA'S ALLOCATION OF THE FEDERAL HARDEST HIT FUND, A $10BPROGRAM ESTABLISHED BY THE U.S. TREASURY TO SUPPORT HOMEOWNERS INSTATES HIT HARDEST BY THE ECONOMIC CRISIS. CALIFORNIA'S PROGRAMSWHICH ARE COLLECTIVELY CALLED "KEEP YOUR HOME CALIFORNIA" INCLUDEUNEMPLOYMENT MORTGAGE ASSISTANCE, MORTGAGE RESTATEMENT ASSISTANCE,PRINCIPAL REDUCTION AND TRANSITION ASSISTANCE. 1083327 2316798 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. 960495 623172 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. 415650 415650 13413346 1 1 0 0 0 0 0 0 1 0 1 0 0 1 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 46 0 1 223 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 TED QUITASOL 9517810114 4351 LATHAM STREET RIVERSIDE CA 92501 TODD EMERSON PRESIDENT - CEO 60.00 X X 355310 0 24066 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 JOANNE CORDERO EXECUTIVE VICE PRESIDENT 50.00 X 182927 0 14663 MELINDA OPPERMAN EXECUTIVE VICE PRESIDENT 50.00 X 129817 0 10250 RAJESH THAYI TECHNOLOGY DIRECTOR 50.00 X 164895 0 4935 SCOTT KOTULA PROGRAM DIRECTOR 50.00 X 160867 0 7612 JUSTIN WALLER SENIOR VICE PRESIDENT OPERATIONS 50.00 X 150469 0 11273 PHUONG KIM VONG BUSINESS & QA ANALYST 50.00 X 102632 0 4218 1246917 0 77017 9 0 1 0 KAISER FOUNDATION HEALTH PLAN WORLDWAY POSTAL CENTER PO BOX 80204 LOS ANGELES CA 90074 EMPLOYEE BENEFITS/HEALTHCARE 1032469 SPERIDIAN TECHNOLOGIES 2400 LOUISIANA NE BLDG 3 ALBUQUERQUE NM 87110 IT AND WEBSITE SERVICES 206328 MARCUM LLP 2049 CENTURY PARK EAST STE 300 LOS ANGELES CA 90067 ACCOUNTING SERVICES 130819 3 1390643 344236 1734879 STATE PROGRAM ADMINISTRATION 611600 12149619 12149619 CREDIT AND DEBT COUNSELING 611600 2316798 2316798 HOUSING EDUCATION 611600 623172 623172 BANKRUPTCY COUNSELING 611600 103790 103790 15193379 155668 155668 2362349 2167066 195283 195283 195283 OTHER REVENUE 900099 116577 116577 116577 17395786 15505239 0 155668 576966 576966 12460928 10497731 1794907 168290 270815 23617 247198 26875 26598 277 564890 239268 325622 633438 349864 283574 88526 1874 83398 3254 1369 1369 237807 237807 101106 23785 77321 TRANSACTION/PROCESSING 1372285 1338888 33397 COMMUNICATION 342565 187349 153211 2005 UTILITIES 187169 110863 76306 MAINTAINANCE AND REPAIR 32961 24 32937 1470667 613485 812067 45115 18368367 13413346 4736080 218941 1515579 574145 1775316 690017 328334 239927 20558679 7524681 13400097 13033998 1575426 1239191 1137691 1279674 19732443 17056952 1139568 769159 1160 2734 13029406 12769120 765846 565846 1130827 412226 16066807 14519085 X 3665636 2537867 3665636 2537867 19732443 17056952 -972581 -155188 0 X X 0 1 X 1 0 X 4784790 3792811 3141943 3174792 1734879 16629215 24127566 24106929 24122289 21722892 17517117 111596793 28912356 27899740 27264232 24897684 19251996 128226008 0 5690834 4116247 2940137 2977473 9221961 24946652 5690834 4116247 2940137 2977473 9221961 24946652 103279356 140882 26292 119099 107234 155668 549175 140882 26292 119099 107234 155668 549175 29053238 27926032 27383331 25004918 19407664 128775183 0.80200 0.84790 0.00430 0.00440 X 0 1 3169478 3169478 10038728 1698566 8340162 866347 706977 159370 1088827 692062 396765 5395299 4427076 968223 13033998 OTHER ASSETS 190788 RESTRICTED DEPOSITS 1088886 1279674 OTHER LIABILITY 960 TENANT SECURITY DEPOSIT 85067 DEFERRED COMPENSATION 166280 DEFERRED GAIN 157345 DEFERRED REVENUE 2574 412226 X 19407664 -155188 -155188 19562852 -2167066 -2167066 17395786 20535433 2167066 2167066 18368367 0 18368367 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 $13,000 WHICH ARE LLC FEES PAID TO THE STATE OF CALIFORNIA. PART XI, LINE 4B - OTHER ADJUSTMENTS: RENTAL EXPENSES PART XII, LINE 2D - OTHER ADJUSTMENTS: RENTAL EXPENSES PART IV, LINE 2B CLIENTS' FUNDS HELD IN TRUST $ 2,734 1 X X X X X X 0 1 0 0 0 0 0 0 0 TODD EMERSON PRESIDENT - CEO 355310 0 0 0 0 0 10800 0 13266 0 379376 0 0 0 JOANNE CORDERO EXECUTIVE VICE PRESIDENT 182927 0 0 0 0 0 7301 0 7362 0 197590 0 0 0 RAJESH THAYI TECHNOLOGY DIRECTOR 164895 0 0 0 0 0 4787 0 148 0 169830 0 0 0 SCOTT KOTULA PROGRAM DIRECTOR 160867 0 0 0 0 0 5127 0 2485 0 168479 0 0 0 JUSTIN WALLER SENIOR VICE PRESIDENT OPERATIONS 150469 0 0 0 0 0 0 0 11273 0 161742 0 0 0 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, CREDIT.ORG FORMERLY KNOWN AS SPRINGBOARD NONPROFIT CONSUMER CREDIT MANAGEMENT, INC. 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 60% OF THE ORGANIZATION'S CLIENTELE. ADDITIONALLY, 67% OF THE AGENCY'S CLIENTS ARE MINORITIES. IN 2018, CREDIT.ORG PROVIDED DIRECT SERVICES TO 54,141 CONSUMERS, INCLUDING 17,885 IN FINANCIAL LITERACY AND EDUCATION PROGRAMS, 10,818 IN CREDIT AND DEBT MANAGEMENT PROGRAMS, 11,438 IN HOUSING COUNSELING PROGRAMS AND 14,000 IN DISTANCE EDUCATION THAT SERVES 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 2018, THESE EFFORTS RESULTED IN 604,791 UNIQUE VISITORS TO CREDIT.ORG'S EDUCATIONAL CONTENT AND BLOG,AND 54,043 CONSUMERS ACCESSED THE AGENCY'S VARIOUS ONLINE FINANCIAL EDUCATIONAL RESOURCES. 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 2018, CREDIT.ORG WAIVED FEES OF $13,233 FOR 285 PRE-DISCHARGE DEBTOR EDUCATION FINANCIAL SESSIONS AND 175 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 CAUSES OF FINANCIAL STRESS, TRACK COSTS AND EVALUATE SPENDING. THE COUNSELING SERVICE INCLUDES THE CREATION OF A STEP-BY-STEP PERSONALIZED BUDGET, TIPS TO HELP STAY ON COURSE 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 2018, THE CREDIT.ORG TEAM CONDUCTED 216 LIVE WORKSHOPS AND EDUCATED 3,124 CONSUMERS IN FACE-TO-FACE SETTINGS IN SOUTHERN CALIFORNIA. THE TEAM REACHED 86 CONSUMERS NATIONWIDE VIA THEIR "LIVE AND INTERACTIVE WEBINARS CONDUCTED OVER THE INTERNET. THROUGH THE AGENCY'S E-LEARNING PORTAL CALLED THE FINANCIAL INSTRUCTIONAL TRAINING ("FIT") ACADEMY, 5,127 CONSUMERS SIGNED ON TO GAIN IMPORTANT FINANCIAL KNOWLEDGE VIA ITS FINANCIAL LITERACY PLATFORM. IN TOTAL, THE TEAM PROVIDED FREE FINANCIAL EDUCATION TO 8,553 CONSUMERS. AWARD WINNING EDUCATION: IN 2018, CREDIT.ORG WON THE NATIONAL FOUNDATION FOR CREDIT COUNSELING "BRIGHTER FINANCIAL FUTURE AWARD: MILITARY/VETERAN" FOR PROVIDING FINANCIAL EDUCATION TO MILITARY, VETERANS AND THEIR FAMILIES. IN ADDITION, CREDIT.ORG WITH SEVERAL OTHER LOCAL NONPROFITS RECEIVED THE 2018 CHAMPIONS OF THE INLAND EMPIRE COMMUNITY HEROES OF THE YEAR AWARD. 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 THE 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 23,000 PARTICIPANTS IN THE LAST FIVE(5) YEARS.STATISTICAL ANALYSIS OF THE PRE AND POST-TESTS OF THESE FIT ACADEMY PARTICIPANTS REFLECT AN AVERAGE PERCENTAGE INCREASE OF 26% IN KNOWLEDGE GAINED. PRE-TEST AVERAGE SCORES WERE 69% AND POST-TEST AVERAGE SCORES WERE 91% WHICH TRANSLATES TO GRADES GOING FROM A "D+" TO "A-." AT THE COMPLETION OF THE CLASS, EACH PARTICIPANT RECEIVES RECOGNITION VIA A DOCUMENT OF ACHIEVEMENT. "AMERICA SAVES WEEK 2018" CREDIT.ORG SUPPORTED THE NATIONAL, SOCIAL MARKETING CAMPAIGN "AMERICA SAVES WEEK 2018", THE GOAL OF THIS PROGRAM IS TO PROMOTE AWARENESS OF THE NEED FOR GOOD SAVING HABITS, PARTICULARLY FOR LMI INDIVIDUALS. "MILITARY SAVES WEEK 2018" 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 ARE 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 (I.E. THOSE WHO HAVE SIGNED UP ON CREDIT.ORGS 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.ORGS FREE RESOURCE GUIDE IS AN EIGHT (8) PAGE RESOURCE GUIDE, AND IS AVAILABLE FOR FREE DOWNLOAD FROM THE AGENCYS WEBSITE. CREDIT.ORGS 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 V DONT 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 184950 4364996 SPRINGBOARD HOUSING LLC SPRINGBOARD HOUSING LLC 555 CORPORATE DRIVE SUITE 110 LADERA RANCH CA 92694 454966244 MULTIFAMILY PROPERTY INVESTMENT CA 0 306470 SPRINGBOARD NONPROFIT CONSUMER SEMINOLE RIDGE - ORLANDO LLC 555 CORPORATE DRIVE SUITE 110 LADERA RANCH CA 92694 371697092 MULTIFAMILY PROPERTY MANAGEMENT NV 2360927 12591399 SPRINGBOARD AFFORDABLE HOUSING LLC SPRINGBOARD SOLUTIONS LLC 4351 LATHAM STREET RIVERSIDE CA 92501 273130421 GOVERNMENT CONTRACTING CA 12400205 8878154 SPRINGBOARD NONPROFIT CONSUMER