2025-11-07T10:18:17-06:00 2024-12-31 873707167 CBIZ ADVISORS LLC 685 THIRD AVENUE NEW YORK NY 10017 990 2024-01-01 541837741 MONEY MANAGEMENT INTERNATIONAL INC MONE 6022464520 2401 W PEORIA 350 PHOENIX AZ 85029 JAMES TRIGGS CEO 6022464520 2025-11-03 1 1 MAGDALENA CZERNIAWSKI P00535099 2125038800 2025-11-03 2024 2025-03-06 01:10:19Z JAMES TRIGGS 2401 W PEORIA 350 PHOENIX AZ 85029 43443742 0 X WWW.MONEYMANAGEMENT.ORG X 2002 TX WE STRIVE TO BENEFIT THE COMMUNITY BY PROVIDING EXCEPTIONAL FINANCIAL EDUCATION AND COUNSELING PROGRAMS INCLUDING CREDIT, HOUSING, AND BANKRUPTCY COUNSELING. 11 10 323 10 310179 0 8893611 15261987 23419417 18687228 1327588 2279076 159402 168972 33800018 36397263 0 0 0 0 29003695 29505983 0 0 499472 15396998 14109081 44400693 43615064 -10600675 -7217801 45583543 50449486 17707484 27386647 27876059 23062839 X TO IMPROVE LIVES THROUGH FINANCIAL EDUCATION. 1 0 22724537 16541941 DEBT & BUDGET - MONEY MANAGEMENT INTERNATIONAL (MMI) PROVIDES PERSONAL FINANCIAL COUNSELING AND EDUCATION FOR THOSE NEEDING ASSISTANCE WITH BUDGETING AND MONEY MANAGEMENT. CONSUMERS RECEIVE FINANCIAL GUIDANCE FROM A CERTIFIED CREDIT COUNSELOR. DURING A SESSION, THE COUNSELOR WILL HELP THE CONSUMER ASSESS THEIR FINANCIAL SITUATION, DEVELOP A SPENDING PLAN, SET FINANCIAL GOALS AND CREATE AN ACTION PLAN. SOME CONSUMERS MAY BE ENROLLED IN A DEBT MANAGEMENT PLAN (DMP) FOR SYSTEMATIC REPAYMENT OF CERTAIN DEBTS. TEAMS OF CERTIFIED SUPPORT COUNSELORS PROVIDE ADMINISTRATION AND SUPPORT FOR MMI'S DMP CLIENTS BY PROVIDING ONGOING FINANCIAL COUNSELING AND EDUCATION FROM THE START THROUGH COMPLETION. CORPORATE POLICY REQUIRES THAT ALL SUPPORT COUNSELORS RECEIVE IN-DEPTH TRAINING AND ARE REQUIRED TO BE INDEPENDENTLY CERTIFIED PRIOR TO COUNSELING A CONSUMER. MMI'S CERTIFIED TRAINING STAFF PROVIDES EDUCATIONAL CLASSES IN PERSON, THROUGH VIRTUAL WEBINARS, AND THROUGH SELF-PACED ONLINE MODULES THAT COVER A WIDE VARIETY OF CONSUMER FINANCE TOPICS. OF CONSUMERS WHO ENDED THEIR DEBT MANAGEMENT PLANS, 55% FULLY REPAID THEIR DEBTS THROUGH MMI AND ANOTHER 12% RECOVERED TO THE EXTENT THAT THEY WERE ABLE TO RESUME DIRECT PAYMENTS ON THEIR DEBT TO CREDITORS. IN 2024, MMI PROVIDED OVER 67,000 DEBT AND BUDGET COUNSELING SESSIONS.ADDITIONALLY, MMI HELPED OVER 56,000 INDIVIDUALS AND FAMILIES REPAY NEARLY $212 MILLION IN DEBT. CLIENTS REDUCED THEIR INTEREST RATES TO AN AVERAGE OF JUST 6.6%, SAVING UP TO $48,000 IN INTEREST BASED ON AGGREGATE DATA; AND INCREASED THEIR CREDIT SCORE BY 82 POINTS OVER THE COURSE OF THE DMP, ON AVERAGE. 10021742 HOUSING - MMI PROVIDES A WIDE VARIETY OF HOUSING COUNSELING SERVICES AIMED AT SAVING HOMES AND BUILDING COMMUNITIES. FORECLOSURE PREVENTION COUNSELING ASSISTS THOSE WHO HAVE FALLEN BEHIND ON THEIR MORTGAGE PAYMENTS TO KEEP THEIR HOME AND AVOID THE COST AND CREDIT RATING DAMAGE ASSOCIATED WITH FORECLOSURE. RENTAL COUNSELING PROVIDES GUIDANCE AND SOLUTIONS TO THOSE WHO ARE AT RISK OF EVICTION. MMI'S PROJECT PORCHLIGHT DISASTER RECOVERY PROGRAM PROVIDES IMMEDIATE AND LONG-TERM SUPPORT TO CONSUMERS IMPACTED BY NATURAL DISASTERS AND THOSE EXPERIENCING ECONOMIC DISRUPTION CAUSED BY THE PANDEMIC. POST-MODIFICATION COUNSELING IS A LONG-TERM FINANCIAL COACHING PROGRAM DESIGNED TO SUPPORT LONG-TERM REPAYMENT SUCCESS FOR CONSUMERS WHO HAVE PREVIOUSLY FALLEN DELINQUENT ON THEIR MORTGAGE. REVERSE MORTGAGE COUNSELING EDUCATES SENIORS ON THE BENEFITS, CONSEQUENCES, OPTIONS, AND PROCESS OF OBTAINING A HOME EQUITY CONVERSION MORTGAGE, WHILE REVERSE MORTGAGE DEFAULT SUPPORTS SENIORS WHO ARE AT RISK OF DEFAULT DUE TO LAPSED PROPERTY TAX OR INSURANCE PAYMENTS. MMI ASSISTS POTENTIAL HOME BUYERS BY EDUCATING THEM ON THE COSTS AND RESPONSIBILITIES OF HOME OWNERSHIP. BORROWER SUCCESS, MMI'S POST-PURCHASE PROGRAM, PROVIDES NEW HOMEOWNERS WITH THE EDUCATION AND INFORMATION NEEDED TO SUPPORT SUCCESSFUL HOMEOWNERSHIP. MORE THAN 9,200 HOMEBUYERS PER MONTH RECEIVE PHONE CALLS, TEXT MESSAGES OR EMAIL FROM MMI PROVIDING TIMELY, MEANINGFUL INFORMATION TO ASSIST THEM IN REMAINING CURRENT ON THEIR MORTGAGE, UNDERSTANDING THE RESPONSIBILITIES OF HOMEOWNERSHIP, AND PROVIDING RESOURCES FOR THOSE WHO ARE STRUGGLING. AS A U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT (HUD) APPROVED PROVIDER OF HOMEOWNERSHIP-COUNSELING SERVICES, MMI AFFIRMATIVELY FURTHERS FAIR HOUSING THROUGH MAKING CONSUMERS AWARE OF DISCRIMINATORY PRACTICES, MAKING ALL PROGRAMS AND ACTIVITIES ACCESSIBLE TO PERSONS WITH DISABILITIES, AND MAKING AVAILABLE LANGUAGE ASSISTANCE SERVICES TO PERSONS WITH LIMITED ENGLISH PROFICIENCY. FUNDING IS PROVIDED BY THE HUD AND THROUGH CONTRACTUAL ARRANGEMENTS WITH MORTGAGE SERVICERS AND GOVERNMENT-SPONSORED ENTERPRISE (GSE). IN 2024, MMI PROVIDED NEARLY 29,000 HOUSING-SPECIFIC SESSIONS. MMI PROVIDED HOMEOWNERSHIP EDUCATION ON THE TOPICS OF HOME BUYING, LOSS MITIGATION, RENTAL RIGHTS, AND EVICTION PREVENTION TO 10,238 CONSUMERS VIA IN PERSON, LIVE ONLINE, AND SELF-PACED EDUCATION IN THE MMI UNIVERSITY, FRAMEWORK AND EHOME AMERICA PLATFORMS IN 2024. 1481150 919989 AGENCY SUPPORT SERVICES - MMI HAS OPERATED THE NEVADA 211 CALL CENTER SINCE 2015, SERVING RESIDENTS PURSUANT TO A CONTRACT WITH THE STATE OF NEVADA. NEVADA LAW REQUIRES MAINTENANCE OF A STATEWIDE INFORMATION AND REFERRAL SYSTEM. ADMINISTRATION AND OVERSIGHT OF NEVADA 211 IS THE RESPONSIBILITY OF THE NEVADA DEPARTMENT OF HEALTH AND HUMAN SERVICES AGING AND DISABILITY SERVICES DIVISION UNDER NEVADA REVISED STATUTE (NRS) 232.359. THE NEVADA 211 DATABASE INCLUDES 1,246 AGENCIES OFFERING 4,246 PROGRAMS AT MORE THAN 2,500 LOCATIONS. NEVADA 211 CALL SPECIALISTS ARE TRAINED TO ASSIST PEOPLE IN NAVIGATING THE PROCESS OF FINDING THE RIGHT AGENCY FOR THE NEEDED SERVICE. THIS INCLUDES INFORMATION AND REFERRALS FOR LOCAL HEALTHCARE, HOUSING, FOOD, UTILITIES, TRANSPORTATION, CHILDCARE ASSISTANCE, AND MORE. IN 2024, NEVADA 211 PROVIDED SERVICES TO 123,068 NEVADANS VIA PHONE, TEXT, EMAIL, AND LIVE CHAT. 284,464 USERS VISITED ONLINE AT NEVADA211.ORG. ADDITIONALLY, NEVADA 211 REPRESENTATIVES PARTICIPATED IN 477 COMMUNITY OUTREACH EVENTS IN NORTHERN, SOUTHERN, AND RURAL NEVADA, INCREASING RURAL ENGAGEMENT WITH 86 EVENTS AND ACTIVITIES IMPROVING AND STRENGTHENING THE PARTNERSHIPS WITH RURAL AGENCIES AND COMMUNITIES. 669699 816898 DEBT RESOLUTION - MONEY MANAGEMENT INTERNATIONAL (MMI) LAUNCHED DEBT RESOLUTION SERVICES IN NOVEMBER OF 2024. THESE SERVICES PROVIDE CONSUMERS WITH ACCESS TO A STRUCTURED AND SUPPORTIVE ALTERNATIVE TO BANKRUPTCY THROUGH NEGOTIATED DEBT SETTLEMENTS. CONSUMERS FACING FINANCIAL HARDSHIP ARE GUIDED THROUGH A COMPREHENSIVE CONSULTATION PROCESS WITH A CERTIFIED DEBT SPECIALIST WHO HELPS ASSESS THEIR FINANCIAL SITUATION, EVALUATE RESOLUTION OPTIONS, AND CREATE A CUSTOMIZED SETTLEMENT STRATEGY. FOR THOSE ENROLLED IN THE DEBT RESOLUTION PROGRAM (DRP), THE ORGANIZATION WORKS DIRECTLY WITH CREDITORS TO NEGOTIATE REDUCED PAYOFF AMOUNTS ON UNSECURED DEBTS, OFTEN SIGNIFICANTLY LOWERING THE TOTAL BALANCE OWED. CLIENTS MAKE A SINGLE MONTHLY PROGRAM DEPOSIT, WHICH IS USED TO FUND SETTLEMENTS AND COVER LOW ADMINISTRATIVE FEES. THE PROGRAM INCLUDES LEGAL SUPPORT SERVICES WHERE APPROPRIATE, ENSURING CLIENTS ARE REPRESENTED IN CASES OF CREDITOR LITIGATION. THIS ADDED PROTECTION HELPS STABILIZE THE CONSUMER'S FINANCIAL SITUATION WHILE SETTLEMENTS ARE NEGOTIATED. ALL DRP TEAM MEMBERS ARE REQUIRED TO COMPLETE EXTENSIVE TRAINING IN DEBT NEGOTIATION, CONSUMER RIGHTS, AND HARDSHIP VERIFICATION. ONGOING FINANCIAL EDUCATION AND SUPPORT ARE PROVIDED THROUGHOUT THE DURATION OF THE PROGRAM TO HELP CLIENTS REBUILD FINANCIAL HEALTH AND AVOID FUTURE HARDSHIP. BEING THAT THE PROGRAM LAUNCHED IN LATE 2024, ACTIVITY HAS BEEN MINIMAL AND RESTRICTED AS WE CONTINUE TO DEVELOP AND IMPROVE OUR PROCESSES TO BEST FULFILL OUR MISSION. 2770881 607433 OTHER SERVICES - BANKRUPTCY COUNSELING AND EDCUATION - SINCE 2005, MMI HAS BEEN APPROVED TO PROVIDE PRE-FILING BANKRUPTCY COUNSELING AND ISSUE COUNSELING CERTIFICATES IN COMPLIANCE WITH THE BANKRUPTCY CODE. MMI IS ALSO APPROVED TO DELIVER PRE-DISCHARGE BANKRUPTCY EDUCATION SERVICES ALONG WITH THE CERTIFICATE OF PARTICIPATION THAT ALLOWS THE CONSUMER TO PROCEED WITH THE BANKRUPTCY DISCHARGE PROCESS. IN 2024, MMI PROVIDED MORE THAN 400 COUNSELING SESSIONS FOR CONSUMERS PRIOR TO THEIR FILING FOR BANKRUPTCY AND 200 CONSUMERS PARTICIPATED IN PRE-DISCHARGE EDUCATION PROGRAMS. MMI ALSO PROVIDES MISCELLANEOUS SERVICES SUCH AS STUDENT LOAN COUNSELING. 3440580 1424331 37668009 1 1 0 0 0 0 0 0 1 0 1 0 0 1 1 1 0 1 0 0 1 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 1 1 0 0 0 1 38 0 1 323 1 1 1 0 0 0 0 0 0 0 0 0 0 0 X 11 10 0 0 0 0 0 0 0 1 1 0 1 1 1 1 1 1 1 1 1 1 0 AL AK AZ AR CA CO CT FL HI IL KS KY ME MD MA MI MN MS NJ NM NY ND OR PA TN WA WV WI NH X LYLE LANSDELL CFO & TREASURER 6022464520 2401 W PEORIA 350 PHOENIX AZ 85029 ANNE-MARIE BAKER DIRECTOR 3.00 0.00 X 0 0 0 DONNA CARR DIRECTOR 3.00 0.00 X 0 0 0 ELIZABETH HOTZE DIRECTOR 3.00 0.00 X 0 0 0 GEORGE TORRES DIRECTOR 3.00 0.00 X 0 0 0 GREG MCBRIDE DIRECTOR 3.00 0.00 X 0 0 0 JERRY NEMORIN DIRECTOR 3.00 0.00 X 0 0 0 JAMES TRIGGS PRESIDENT & CEO 40.00 2.00 X X 530479 0 47803 KAREN ANCILLAI CHAIR 3.00 1.00 X X 0 0 0 MANUEL MARIO PERDOMO DIRECTOR 3.00 0.00 X 0 0 0 MARIA C ALONSO DIRECTOR 3.00 0.00 X 0 0 0 WILLIAM A PUPO DIRECTOR 3.00 0.00 X 0 0 0 DANIEL LEVINE CHIEF TECH. OFFICER (OUTGOING) 40.00 0.00 X 255109 0 38797 LYLE LANSDELL CHIEF FINANCIAL OFFICER/TREASURER 40.00 2.00 X 338053 0 34638 MICHELLE JONES CHIEF EXTERNAL AFFAIRS OFFICER 40.00 1.00 X 308712 0 47711 ROBERT CZYZEWSKI CHIEF OPERATING OFFICER 40.00 0.00 X 262492 0 44263 ZYNDA SELLERS CHIEF COMPLIANCE OFFICER 40.00 2.00 X 262139 0 33958 CHELSEA LOUISE TAYLOR SR. VICE PRES., HUMAN RESOURCES 40.00 0.00 X 164827 0 21532 HELENE RAYNAUD SR. VP OF HOUSING INITIATIVES 40.00 2.00 X 266515 0 33483 JAIME E PAYNE VICE PRESIDENT OPTS. (OUTGOING) 40.00 0.00 X 312859 0 32842 THOMAS DE POY SR. VICE PRESIDENT, IND. RELATIONS 40.00 0.00 X 227371 0 6784 ERIC OWEN SR. VP BUSINESS DEVELOPMENT 40.00 2.00 X 150636 0 50429 MATTHEW KIRK MUELLER SR. DIRECTOR, INFORMATION TECH 40.00 0.00 X 140665 0 28954 MELISSA OUARI VP INFOSEC, RISK, AND BUSS. CONT. 40.00 2.00 X 141906 0 37896 SCOTT ROBERT CALDWELL SR. DATABASE ADMINISTRATOR 40.00 0.00 X 142293 0 3551 SUSAN THOMPSON SR. VP HOUSING INIT. (OUTGOING) 40.00 2.00 X 149599 0 17221 3653655 0 479862 37 0 1 0 BDO USA LLP 2715 JORIE BLVD STE 100 OAK BROOK IL 60523 IT CONSULTING SERVICES 1084502 WAFI TECH 601 GOLDEN TOWER AL MAJAZ 1 BUHEI SHARJAH IN IT CONSULTING SERVICES 982510 IT1 SOURCE LLC PO BOX 248947 OKLAHOMA CITY OK 731248947 SOFTWARE & IT CONSULTING SERVICES 919023 NICE PO BOX 7247 PHILADELPHIA PA 191700268 SOFTWARE & IT CONSULTING SERVICES 900247 SIMPLE A LLC 2028 E BEN WHITE BLVD STE 240-2424 AUSTIN TX 78741 IT CONSULTING SERVICES 818489 20 24409 2834408 12403170 15261987 CREDIT COUNSELING & DEBT MANAGEME 541900 16541941 16541941 AGENCY SUPPORT SERVICES 541900 919989 919989 BANKRUPTCY COUNSELING & EDUCATION 541900 816898 816898 BUSINESS PROCESS OUTSOURCING 541900 310179 310179 AFFILIATE FEE 900099 98221 98221 18687228 827922 827922 8465947 31686 7046479 0 1419468 31686 1451154 31686 1419468 MISCELLANEOUS 900099 477526 477526 FOREIGN EXCHANGE LOSS 900099 -308554 -308554 168972 36397263 18886261 310179 1938836 3270367 738235 2158232 373900 20209406 20089025 116641 3740 381343 380711 240 392 3304375 3234549 57120 12706 2340492 2150638 162448 27406 193459 193459 197976 146745 50991 240 140561 140561 1775819 1459682 313748 2389 2977270 2143778 790416 43076 1453610 1355703 96701 1206 764621 709531 53591 1499 560871 357625 181082 22164 8154 4255 3899 1015947 923664 91218 1065 463720 60341 403379 EQUIPMENT RENT & MAINT. 2238131 2137104 101023 4 DIRECT COST OF REV. 945729 945729 MISCELLANEOUS 741342 609043 132299 LICENSES AND TAXES 272376 8955 263421 359495 212696 137114 9685 43615064 37668009 5447583 499472 2709750 1935585 573131 1764177 4487489 1241983 721989 1067285 17343537 12643536 3146391 4700001 27595919 29174098 61821 6860184 9993226 45583543 50449486 2604418 3991466 8457583 8289360 6034822 8435013 610661 6670808 17707484 27386647 X 27735162 23036217 140897 26622 27876059 23062839 45583543 50449486 X -7217801 2183777 220804 X X 0 1 X 1 1 1 X 4614795 14488765 13348518 8893611 15261987 56607676 33444083 26600544 23448084 23419417 18589007 125501135 38058878 41089309 36796602 32313028 33850994 182108811 2400 1900 1600 1660 1550 9110 2889035 3985332 7761615 4840609 1735050 21211641 2891435 3987232 7763215 4842269 1736600 21220751 160888060 556817 551510 432564 839638 827922 3208451 47703 257578 305281 604520 809088 432564 839638 827922 3513732 14681 2110 62889 159402 575747 814829 38678079 41900507 37292055 33312068 35254663 186437372 0.86300 0.85910 0.01880 0.02150 X SCHEDULE A, PART III, LINE 12, EXPLANATION OF OTHER INCOME: MISCELLANEOUS - 2020 AMOUNT: $ 14,681. 2021 AMOUNT: $ 2,110. 2022 AMOUNT: $ 62,889. 2023 AMOUNT: $ 159,402. 2024 AMOUNT: $ 477,526. AFFILIATE FEE - 2024 AMOUNT: $ 98,221. RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 0 1 X 267498 195008 72490 689308 502509 186799 16386731 11946019 4440712 4700001 CASH HELD FOR CUSTOMERS 8435013 OPERATING LEASE RIGHT-OF-USE ASSETS 1124275 FINANCING LEASE RIGHT-OF-USE ASSETS 37884 OTHER ASSETS 396054 9993226 FORWARD CONTRACT LIABILITY 5490000 OPERATING LEASE LIABILITIES 1168490 FINANCING LEASE LIABILITIES 12318 6670808 X 43108153 2570777 4280674 6851451 36256702 140561 140561 36397263 47810270 4335767 4335767 43474503 140561 140561 43615064 PART IV, LINE 2B: MMI COLLECTS PAYMENTS FROM CLIENTS WHO ARE ON DEBT MANAGEMENT PLANS (DMPS), PLACES THOSES PAYMENTS INTO A SEPARATE TRUST ACCOUNT, AND THEN DISBURSES THOSE FUNDS TO THE CREDITORS OF THE CLIENTS. PART X, LINE 2: THE COMPANY BELIEVES IT HAS NO UNCERTAIN TAX POSITIONS AS OF DECEMBER 31, 2024 IN ACCORDANCE WITH FASB ASC TOPIC 740, "INCOME TAXES," WHICH PROVIDES STANDARDS FOR ESTABLISHING AND CLASSIFYING ANY TAX PROVISIONS FOR UNCERTAIN TAX POSITIONS. PART XI, LINE 2D - OTHER ADJUSTMENTS: REVENUE FROM RELATED ENTITY 6,033,781. CONSOLIDATED ELIMINATION -1,753,107. PART XII, LINE 2D - OTHER ADJUSTMENTS: RELATED ENTITIES' EXPENSES 5,859,531. CONSOLIDATING ELIMINATION -1,910,764. LOSS ON FORWARD CONTRACT 387,000. NORTH AMERICA 2 352 PROGRAM SERVICE CALL CENTER SERVICES 5859531 2 352 0 0 2 352 5859531 0 5859531 1 0 1 0 0 0 X X 1 1 X X X X 1 0 0 0 0 0 0 1 0 JAMES TRIGGS PRESIDENT & CEO 376788 0 100000 0 53691 0 8550 0 39253 0 578282 0 0 0 LYLE LANSDELL CHIEF FINANCIAL OFFICER/TREASURER 275044 0 40000 0 23009 0 8550 0 26088 0 372691 0 0 0 MICHELLE JONES CHIEF EXTERNAL AFFAIRS OFFICER 245553 0 40000 0 23159 0 8550 0 39161 0 356423 0 0 0 JAIME E PAYNE VICE PRESIDENT OPTS. (OUTGOING) 147213 0 0 0 165646 0 573 0 32269 0 345701 0 0 0 ROBERT CZYZEWSKI CHIEF OPERATING OFFICER 210662 0 46202 0 5628 0 1960 0 42303 0 306755 0 0 0 HELENE RAYNAUD SR. VP OF HOUSING INITIATIVES 224129 0 36950 0 5436 0 8006 0 25477 0 299998 0 0 0 ZYNDA SELLERS CHIEF COMPLIANCE OFFICER 200843 0 45000 0 16296 0 7870 0 26088 0 296097 0 0 0 DANIEL LEVINE CHIEF TECH. OFFICER (OUTGOING) 182679 0 0 0 72430 0 6162 0 32635 0 293906 0 0 0 THOMAS DE POY SR. VICE PRESIDENT, IND. RELATIONS 190500 0 35000 0 1871 0 6784 0 0 0 234155 0 0 0 ERIC OWEN SR. VP BUSINESS DEVELOPMENT 139747 0 10000 0 889 0 2211 0 48218 0 201065 0 0 0 CHELSEA LOUISE TAYLOR SR. VICE PRES., HUMAN RESOURCES 139115 0 25000 0 712 0 842 0 20690 0 186359 0 0 0 MELISSA OUARI VP INFOSEC, RISK, AND BUSS. CONT. 136815 0 4000 0 1091 0 4504 0 33392 0 179802 0 0 0 MATTHEW KIRK MUELLER SR. DIRECTOR, INFORMATION TECH 134488 0 5500 0 677 0 4174 0 24780 0 169619 0 0 0 SUSAN THOMPSON SR. VP HOUSING INIT. (OUTGOING) 126463 0 1950 0 21186 0 3901 0 13320 0 166820 0 0 0 PART I, LINE 1A MMI RECOGNIZES THAT BOARD MEMBERS OF MMI MAY BE REQUIRED TO TRAVEL AND INCUR EXPENSES FROM TIME TO TIME TO CONDUCT MMI BUSINESS AND TO FURTHER THE MISSION OF THE NONPROFIT ORGANIZATION. THE ORGANIZATION ALSO REIMBURSES FOR TRAVEL COMPANIONS AS LONG AS THE EXPENSES PERTAIN TO MMI BUSINESS AND HAVE BEEN AUTHORIZED BY A SENIOR VICE PRESIDENT. PART I, LINE 4A DANIEL LEVINE, JAIME PAYNE AND SUSAN THOMPSON RECEIVED SEVERANCE PAYMENTS FOR $50,000, $165,000AND $20,600 RESPECTIVELY, AND THEY ARE REPORTED IN COLUMN B(III). PART I, LINE 7 EACH CHIEF OFFICER PROPOSED BONUSES FOR CERTAIN MEMBERS OF THEIR TEAMS BASED ON 2024 PERFORMANCE, LAST YEAR'S BONUS AND PERFORMANCE AND A PERCENTAGE OF ANNUAL SALARY. THESE AMOUNTS ARE DISCRETIONARY AND DOCUMENTATION WAS PROVIDED TO THE PRESIDENT & CEO FOR APPROVAL. FOR THOSE EMPLOYEES WHOSE COMPENSATION MUST BE APPROVED BY THE COMPENSATION COMMITTEE, THE FULL BOARD OF DIRECTORS HAD TO APPROVE THEIR BONUSES BASED ON A COMPENSATION STUDY AND FEEDBACK FROM THE PRESIDENT & CEO. SCHEDULE J, PART II, COLUMN B(III): JAMES TRIGGS RECEIVED AUTO ALLOWANCE FOR $52,464 AND IT IS INCLUDED IN COLUMN B (III). THE REMAINING AMOUNTS IN THIS COLUMN INCLUDE TAXABLE LIFE INSURANCE, LONG-TERM DISABILITY, LONG TERM CARE, ARMADA CARE, AND SOCIAL CLUB MEMBERSHIP FEES. FORM 990, PART III, LINE 2 MONEY MANAGEMENT INTERNATIONAL (MMI) LAUNCHED DEBT RESOLUTION SERVICES IN NOVEMBER OF 2024. THESE SERVICES PROVIDE CONSUMERS WITH ACCESS TO A STRUCTURED AND SUPPORTIVE ALTERNATIVE TO BANKRUPTCY THROUGH NEGOTIATED DEBT SETTLEMENTS FORM 990, PART VI, SECTION A, LINE 1A BY THE AFFIRMATIVE VOTE OF AT LEAST SEVENTY-FIVE PERCENT (75%) OF THE DIRECTORS, THE BOARD OF DIRECTORS MAY CREATE AN EXECUTIVE COMMITTEE, WHICH SHALL HAVE AND EXERCISE ALL THE AUTHORITY OF THE BOARD OF DIRECTORS IN THE MANAGEMENT OF THE CORPORATION, AND MAY APPOINT TWO OR MORE PERSONS, A MAJORITY OF WHOM ARE MEMBERS OF THE BOARD OF DIRECTORS, TO SERVE ON IT. BY MAJORITY VOTE, THE BOARD OF DIRECTORS MAY CREATE ONE OR MORE OTHER COMMITTEES AND APPOINT MEMBERS OF THE BOARD OF DIRECTORS TO SERVE ON THEM. ANY SUCH COMMITTEE MAY EXERCISE ALL CORPORATE AUTHORITY DELEGATED TO IT BY THE BOARD OF DIRECTORS EXCEPT AS LIMITED BY APPLICABLE LAW. FORM 990, PART VI, SECTION B, LINE 11B THE FORM 990 IS PREPARED BY THE ORGANIZATION'S PUBLIC ACCOUNTING FIRM BASED ON INFORMATION PROVIDED BY MANAGEMENT. ONCE THE DRAFT IS AVAILABLE, IT IS REVIEWED BY MANAGEMENT AND THE AUDIT COMMITTEE AND ANY CHANGES INCORPORATED INTO THE FILING. ONCE THIS DETAILED REVIEW IS COMPLETE, THE DRAFT OF THE FORM 990 IS PRESENTED TO THE BOARD OF DIRECTORS FOR THEIR REVIEW AND COMMENTS PRIOR TO FILING WITH THE IRS. FORM 990, PART VI, SECTION B, LINE 12C ALL EXECUTIVES (DIRECTORS, OFFICERS, AND KEY EMPLOYEES) OF MMI ARE BOUND BY A CONFLICT OF INTEREST POLICY AND MUST COMPLETE A QUESTIONNAIRE ON AN ANNUAL BASIS DETAILING ANY OTHER INTERESTS. THE EXECUTIVE MUST UPDATE THE DISCLOSURE FORM SHOULD ANY MATERIAL CHANGES ARISE DURING THE COURSE OF THE YEAR. THESE FORMS ARE MAINTAINED WITH OTHER CORPORATE DOCUMENTS BY THE SECRETARY OF THE CORPORATION. FORM 990, PART VI, SECTION B, LINE 15 MMI HAS DEVELOPED AND IMPLEMENTED A COMPENSATION POLICY ADHERING TO THE STANDARDS PROVIDED IN TREASURY REGULATIONS SECTION 53.4858-6. THE POLICY REQUIRES A COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS TO PERFORM A REVIEW AND APPROVE COMPENSATION FOR OFFICERS AND KEY EMPLOYEES; THAT THE COMMITTEE OBTAIN AND RELY UPON COMPARABILITY DATA AND VALUATION STUDIES PREPARED BY INDEPENDENT EXECUTIVE COMPENSATION EXPERTS; THE COMMITTEE CONTEMPORANEOUSLY DOCUMENTS ITS DELIBERATIONS AND DECISIONS IN WRITING; AND MUST HAVE ALL COMPENSATION DECISIONS APPROVED BY THE FULL BOARD OF DIRECTORS. THIS PROCESS IS DOCUMENTED ANNUALLY. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE UPON REQUEST. FORM 990, PART XI, LINE 9: ADJUSTMENT REQUIRED 220,804. FORM 990, PART XII, LINE 2C THE PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR. 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