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        <FormAndLineReferenceDesc>FORM 990, PAGE 2, PART III, LINE 4A</FormAndLineReferenceDesc>
        <ExplanationTxt>MADE TWO-YEAR FINANCIAL GOALS, LEARNED HOW TO OBTAIN AND USE A BANK ACCOUNT, DEVELOPED A REALISTIC BUDGET, STRATEGIZED HOW TO GET OUT OF DEBT, AND DISCUSSED HOW TO SAVE FOR THEIR FUTURE. 139 PARTICIPANTS ATTENDED WEEKLY SESSIONS. OF THESE PARTICIPANTS, 27% DEMONSTRATED AN INCREASE IN KNOWLEDGE OF THEIR CREDIT SCORE AND TOOK ACTION TO REDUCE THEIR DEBT; 15% SHOWED AN INCREASE AWARENESS OF THEIR PRECISE INCOME AND SPENDING; AND THE NUMBER OF PARTICIPANTS WITH A PLAN TO REACH THEIR FINANCIAL GOALS INCREASED BY 14%.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 11B</FormAndLineReferenceDesc>
        <ExplanationTxt>FORM 990 IS DISTRIBUTED TO THE BOARD PRIOR TO FILING. ONCE IT IS REVIEWED AND APPROVED, FORM 990 IS FILED.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 12C</FormAndLineReferenceDesc>
        <ExplanationTxt>PERIODIC REVIEWS OF THE CONFLICT OF INTEREST POLICY SHALL, AT A MINIMUM, INCLUDE DETERMINATION OF WHETHER PARTNERSHIPS, JOINT VENTURES, AND ARRANGEMENTS WITH MANAGEMENT ORGANIZATIONS CONFORM TO THE ORGANIZATION'S WRITTEN POLICIES, ARE PROPERLY RECORDED, REFLECT REASONABLE INVESTMENT OR PAYMENTS FOR GOODS AND SERVICES, FURTHER CHARITABLE PURPOSES AND DO NOT RESULT IN INUREMENT, IMPERMISSIBLE PRIVATE BENFIT OR IN AN EXCESS BENEFIT TRANSACTION.</ExplanationTxt>
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        <ExplanationTxt>COMPENSATION WAS STARTED FOR A NEW TOP EXECUTIVE AT COMPETITVE RATES. PERIODIC REVIEWS ARE CONDUCTED TO DETERMINE WHETHER COMPENSATION ARRANGEMENTS AND BENEFITS FOR OFFICERS AND KEY EMPLOYEES ARE REASONABLE, BASED ON COMPETENT SURVEY INFORMATION WHERE APPROPRIATE, AND THE RESULT OF ARM'S LENGTH BARGAINING.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 15B</FormAndLineReferenceDesc>
        <ExplanationTxt>PERIODIC REVIEWS ARE CONDUCTED TO DETERMINE WHETHER COMPENSATION ARRANGEMENTS AND BENEFITS FOR OFFICERS AND KEY EMPLOYEES ARE REASONABLE, BASED ON COMPETENT SURVEY INFORMATION WHERE APPROPRIATE, AND THE RESULT OF ARM'S LENGTH BARGAINING.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>THE ORGANIZATION'S GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST.</ExplanationTxt>
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</Return>