2017-10-27T15:52:18-04:00 2017-06-30 200427530 RIVES & ASSOCIATES LLP 4515 FALLS OF NEUSE ROAD SUITE 450 RALEIGH NC 27609 990 2016-07-01 562106758 CONSUMER EDUCATION SERVICES INC CONS 9198615340 3700 BARRETT DR RALEIGH NC 27609 DR DIANE CHEN CEO/SECRETARY OF BOA 9198615340 2017-10-09 true THOMAS B CORNWELL CPA P00901347 9198326848 2017-10-25 0F2550738D488F53F56428640779112F7D63D220 43F9164A0A51129370D0BA8D0C50CA946E2AAA97 2016 2021-01-29 14:40:06Z DR DIANE CHEN 3700 BARRETT DRIVE RALEIGH NC 27609 14731846 false X WWW.CESISOLUTIONS.ORG X 1998 NC CONSUMER EDUCATION SERVICES, INC ("CESI") IS A NON-PROFIT SERVICE PROVIDER OF COMPREHENSIVE PERSONAL FINANCIAL EDUCATION AND SOLUTIONS FOR ALL LIFE STAGES AND FOR ALL LIFE'S MILESTONES OUR GOAL IS ENHANCED ECONOMIC SECURITY FOR EVERYONE WE SERVE. 7 7 97 22 0 1683888 1851114 5125259 5022699 -299494 944095 70851 61305 6580504 7879213 7415379 0 0 4970477 4118157 0 0 6085685 4476916 18471541 8595073 -11891037 -715860 23753463 23838092 3238338 2618725 20515125 21219367 X CONSUMER EDUCATION SERVICES, INC ("CESI") IS A NON-PROFIT SERVICE PROVIDER OF COMPREHENSIVE PERSONAL FINANCIAL EDUCATION AND SOLUTIONS FOR ALL LIFE STAGES AND FOR ALL LIFE'S MILESTONES OUR GOAL IS ENHANCED ECONOMIC SECURITY FOR EVERYONE WE SERVE. false false 5700115 4658482 CREDIT COUNSELING AND EDUCATION- THIS PROGRAM ASSIST CLIENTS IN MANAGING THEIR PERSONAL FINANCES THROUGH THE PROVISION OF DEBT MANAGEMNT SERVICES, CREDIT COUNSELING, EDUCATION AND TRAINING, AND BUDGET PLANNING. CESI OFFERS ASSISTANCE OVER THE PHONE, ONLINE, AND IN PERSON. CERTIFIED CREDIT COUNSELORS DISCUSS VARIOUS OPTIONS WITH CLIENTS REGARDING FINANCIAL DECISIONS. THEY ASSESS INDIVIDUALS' PERSONAL FINANCIAL SITUATIONS AND ASSIST THEM IN DEVELOPING A BUDGET IN ORDER TO IMPROVE THEIR OVERALL CREDIT. DURING THE FISCAL YEAR ENDING JUNE 30, 2017 APPROXIMATELY 18,104 FINANCIALLY DISTRESSED INDIVIDUALS RECEIVED CREDIT COUNSELING AND FREE EDUCATIONAL RESOURCE MATERIALS. 560780 COMMUNITY EDUCATION OUTREACH - CESI SUPPORTS THE ADVANCEMENT OF FINANCIAL LITERACY EDUCATION WITHIN LOCAL AND STATE COMMUNITIES THROUGH A STRONG COMMUNITY OUTREACH PROGRAM. CESI'S OUTREACH EFFORTS INCLUDE GROUP EDUCATION PROGRAMS IN A CLASSROOM SETTING, TYPICALLY IN PARTNERSHIP WITH LOCAL COMMUNITY AGENCIES OR EDUCATIONAL INSTITUTIONS. DURING THE FISCAL YEAR ENDING JUNE 30, 2017 CESI CONDUCTED 188 CLASSES ASSISTING 4,122 INDIVIDUAL OR FAMILIES AT IN-PERSON CLASSROOM SESSIONS COVERING TOPICS SUCH AS: BUDGETING AND SAVING, BANKING, IDENTITY THEFT PROTECTION, UNDERSTANDING YOUR CREDIT REPORT, FINANCES AFTER JOB LOSS, GOAL SETTING, RETIREMENT SAVINGS, CREDIT AND DEBT. THE SECOND PART OF THE CESI OUTREACH PROGRAM EFFORT IN THE FORM OF FREE INDIVIDUAL FINANCIAL COUNSELING AT THE CESI CENTER WITH AN ACCREDITED CESI COUNSELOR. CESI OFFERS A WIDE VARIETY OF COURSES COVERING FINANCIAL TOPICS GEARED TOWARD AN ADULT OR A YOUTH AUDIENCE. WE UTILIZE A TEAM OF COMMUNITY EDUCATORS TO CONDUCT CLASSES AND ASSIST THE COMMUNITY PARTNERS. CESI OFFERS NUMEROUS FINANCIAL EDUCATIONAL RESOURCES, WHICH ARE EASILY ACCESSED BY ALL CONSUMERS AND NOT JUST CESI CUSTOMERS. THESE RESOURCES ARE DESIGNED TO HELP CONSUMERS BETTER MANAGE THEIR FINANCES AND TO ACHIEVE THE GOAL OF BECOMING DEBT FREE. IN ADDITION, CONSUMERS MAY PARTICIPATE IN CESI'S FREE ONLINE COURSES. THROUGH CESI COMPREHENSIVE GUIDE TO PERSONAL FINANCE, WHICH PROVIDES A COMPREHENSIVE FINANCIAL LITERACY CURRICULUM THAT OFFERS SELF-PACED INSTRUCTIONAL SESSIONS. THIS PROGRAM ASSISTS CONSUMERS WITH THE NECESSARY SKILLS TO IMPROVE THEIR FINANCIAL MANAGEMENT PRACTICES THAT INCLUDE DEBT MANAGEMENT, MINIMIZING CREDIT CARD SPENDING AND DEVELOPING A BUDGET. CESI ALSO OFFERS A VARIETY OF EDUCATIONAL RESOURCES THAT INCLUDE PERSONAL FINANCIAL CALCULATORS, A QUARTERLY E-NEWSLETTER, EDUCATIONAL BLOGS ON ON- LINE COMMUNITY MESSAGE BOARDS, AS WELL AS VARIOUS E-LEARNING RESOURCES SUCH AS VIDEO WEBCASTS. 364217 CESI HOMEOWNERSHIP CENTER PROVIDED A VARIETY OF COUNSELING SERVICES, RANGING FROM FORECLOSURE PREVENTION TO PRE PURCHASE, TO 427 INDIVIDUALS AND FAMILIES. APPROXIMATELY 35% OF CLIENTS RECEIVED FORECLOSURE PREVENTION COUNSELING, 35% RECEIVED REVERSE MORTGAGE COUNSELING AND THE REMAINING 30% PRE PURCHASE COUNSELING, GROUP EDUCATION WORKSHOPS AND OTHER SERVICES. WE WORKED WITH COMMUNITY PARTNERS, FACILLITATING HOME BUYER GROUP EDUCATION WORKSHOPS FOR COMMUNITY LAND TRUSTEES AND HABITAT FOR HUMANITY OF WAKE COUNTY. CESI STAFF ALSO PARTICIPATED IN OVER A DOZEN COMMUNITY OUTREACH EVENTS, INCLUDING OUR SIGNATURE NATIONAL HOMEWOWNERSHIP MONTHLY COMMUNITY DAY CELEBRATION, DURHAM BULL CITY VETERANS STAND DOWN 2017 AND CAPITAL AREA VETERANS STAND DOWN 2016. THE PURPOSE OF THE BULL CITY VETEANS STANDDOWN AND CAPITAL AREA VETERANS STANDDOWN IS TO ASSIST ALL VETERANS IN THE AREAS OF HEALTHCARE, VA BENEFITS AND CONSULTATION, MENTAL HEALTH/SUBSTANCE ABUSE, LEGAL EDUCATION, SPIRITUAL GUIDANCE, SOCIAL SERVICES EMPLOYMENT ASSISTANCE AND DENTAL CLINIC. CESI ALSO ASSIST CONSUMERS THROUGH THE NORTH CAROLINA HOUSING FINANCE AGENCY (NCHFA). THE FIRST PROJECT IS STATE HOME FORECLOSURE PREVENTION PROJECT (SHFPP) WHICH HELPS NORTH CAROLINA HOMEOWNERS WHO HAVE RECEIVED A 45 DAY LETTER FROM THEIR SERVICER TO AVOID FORECLOSURE BY PUTTING THEM IN CONTACT WITH A HUD HOUSING COUNSELING AGENCIES WHO CAN ASSIST THEM WITH LOSS MITIGATION OPTIONS. OTHER PROJECTS ARE HARDEST HIT FUND(HHF), NORTH CAROLINA FORECLOSURE PREVENTION FUND(FPF), OR MORTGAGE PAYMENT PROGRAM (MPP). THESE PROJECTS HELP NORTH CAROLINA HOMEOWNERS WHO HAVE LOST THEIR JOBS OR HAVE EXPERIENCED SOME OTHER TYPE OF EMPLOYMENT RELATED FINANCIAL HARDSHIP TO MAKE THEIR MORTGAGE PAYMENTS WHILE THEY LOOK FOR A JOB OR RETRAIN FOR A NEW JOB. BETWEEN JULY 1, 2016 AND JUNE 30, 2017 CESI HANDLED 83,956 PHONE CALLS FROM CONSUMERS THAT EITHER RECEIVED LETTERS FROM NCHFA OR WHO HAVE LEARNED ABOUT THE FPF PROGRAM VIA THE WEBSITE NCFORECLOSUREPREVENTION.GOV OR OTHER TYPE OF MARKETING THAT HAS BEEN DONE FOR THE PROGRAM. 648106 DEBT MANAGEMENT PROGRAM - THIS PROGRAM PROVIDES SERVICES TO ITS DEBT MANAGEMENT PARTICIPANTS WITH RESPECT TO PROCESSING PAYMENTS, WORKING WITH CREDITORS TO SECURE A REDUCTION IN INTEREST RATES, AND EDUCATING AND TRAINING CLIENTS TO BETTER MANAGE THEIR FINANCES. BANKRUPTCY COUNSELING - CESI OFFERS BANKRUPTCY COUNSELING FOR INDIVIDUALS IN NEED OF EITHER PRE-FILING CREDIT COUNSELING OR POST-FILING DEBTOR EDUCATION. BEFORE AN INDIVIDUAL FILES FOR CHAPTER 7 OR CHAPTER 13 BANKRUPTCY, A CREDIT COUNSELING CERTIFICATE FROM AN EOUST APPROVED AGENCY IS REQUIRED. CESI PROVIDES THE REQUIRED COUNSELING FOR OUR CLIENTS IN ORDER TO OBTAIN THE CERTIFICATE. THIS CAN BE DONE BOTH ONLINE AND BY PHONE. AFTER COMPLETING THE CREDIT COUNSELING AND FILING FOR BANKRUPTCY, INDIVIDUALS ARE REQUIRED TO COMPLETE A DEBTOR EDUCATION COURSE BY AN EOUST APPROVED PROVIDER. THIS COURSE IS OFFERED BOTH ONLINE AND BY PHONE. BOTH PRE-CREDIT COUNSELING AND POST-CREDIT COUNSELING ARE PERFORMED BY CERTIFIED COUNSELORS. 648106 6909001 true true false false false false false false true false true false false true true true true false false false false false false false false false false false false true false false false false false false false false false false false false false false false false false true 8 0 true 97 true false false false false false false X 7 7 false false false false false false false true true false false false true true true true true true true false NC WV IL OR X X STEVEN COLE 9198615340 3700 BARRETT DRIVE RALEIGH NC 27609 DR DIANE CHEN CEO/SECRETAR 40.00 X X 172843 0 18920 AMY BLACKWELL BOARD MEMBER 5.00 X 0 0 0 ROBERT J FITZGERALD CHAIRMAN 10.00 X X 0 0 0 MATTHEW MALL BOARD MEMBER 1.00 X 0 0 0 WAYNE STALLINGS BOARD MEMBER 1.00 X 0 0 0 ALEXIS NELSON BOARD MEMBER 1.00 X 0 0 0 NAVEED IFTIKAR BOARD MEMBER 1.00 X 0 0 0 STEVE COLE TREASURER 40.00 X 83757 0 12042 256600 30962 1 false true false NATIONAL DEBT RELIEF 11 BROADWAY 16TH FLOOR NEW YORK NY 10004 MARKETING 1288840 GOOGLE PO BOX 39000 SAN FRANCISCO CA 94139 MARKETING 740422 NWN 1015 AVIATION PARKWAY SUITE 100 MORRISVILLE NC 27560 IT 165863 BILLSCOM 1875 S GRANT STREET SAN MATEO CA 94402 MARKETING 104600 4 1851114 1851114 DEBT MANAGEMENT PROGRAM 3986217 3986217 COUNSELING PROGRAMS 672265 672265 HOUSING SERVICES 364217 364217 5022699 532648 532648 7264080 6852633 411447 411447 411447 OTHER INCOME 61305 61305 61305 7879213 5084004 944095 3314432 2817267 497165 523679 523679 280046 238039 42007 80764 68649 12115 23000 23000 103679 103679 2281283 2281283 460573 408691 51882 239366 203461 35905 43860 39474 4386 12702 10797 1905 55706 55706 76447 64980 11467 63660 54111 9549 DMP SUPPORTING COSTS 256852 256852 BANKRUPTCY 194920 165682 29238 BAD DEBT 194526 194526 LICENSES AND PERMITS 138302 138302 251276 161413 89863 8595073 6909001 1686072 0 3621624 1457420 1086254 738334 952852 70440 83843 2651997 1559317 1155830 1092680 14378487 17933136 2487976 2532679 23753463 23838092 488259 418197 806693 643357 1679723 1248805 263663 308366 3238338 2618725 X 20515125 21219367 20515125 21219367 23753463 23838092 -715860 1420102 X false true X true false X 5000680 3927709 2724938 1683888 1851114 15188329 5000680 3927709 2724938 1683888 1851114 15188329 5257810 9930519 1717659 1631220 890075 959195 532648 5730797 132282 215706 7619 355607 21274733 125710255 0.46680 0.56830 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED false true X 156896 156896 1127650 222054 905596 1284737 1268315 16422 82714 68948 13766 1092680 INTANGIBLE PROPERTY 2200000 NONQUALIFIED RETIREMENT PLAN ASSETS 308366 SECURITY DEPOSITS 24313 2532679 NONQUALIFIED RETIREMENT PLAN LIABILI 308366 308366 X 9299315 1420102 1420102 7879213 7879213 8595073 8595073 8595073 SCHEDULE D, PAGE 2, PART IV, LINE 2B CESI OFFERS DEBT MANAGEMENT PROGRAMS TO ASSIST CLIENTS IN PAYING THEIR UNSECURED DEBTS FUNDS RECIEVED FROM CLIENTS PARTICIPATING IN THE DEBT MANAGEMENT PROGRAM ARE DEPOSITED INTO VARIOUS DEPOSITORY ACCOUNTS AND IN TO A SEPARATE FOR THE BENEFIT OF OTHER ACCOUNT (THE "FBO ACCOUNT") ON A DAILY BASIS. FUNDS RESIDING IN THE FBO ACCOUNTS ARE DISBURSED TO CESI'S OPERATING ACCOUNT AS CONTRIBUTIONS MADE TO CESI BY CREDITORS AND/OR CLIENTS. CERTAIN STATES REQUIRE THAT CLIENTS FUNDS BE HELD IN A DEPOSITORY ACCOUNT WITHIN THAT STATE UNTIL THE RESPECTICVE CREDITORS ARE PAID. IN THIS SITUATION CREDITORS ARE PAID FROM MONIES FROM THIS STATE'S DEPOSITORY ACCOUNT. INTEREST INCOME EARNED ON FUNDS HELD IN THE VARIOUS RESTRICTED ACCOUNTS IS USED TO PAY FOR BANK FEES AND OTHER EXPENSES. CESI IS RESPONSIBLE FOR ANY EXCESS EXPENSE ARISING FROM THE ACTIVITIES OF THESE ACCOUNTS. SCHEDULE D, PAGE 3, PART X CESI HAS ADOPTED THE PROVISIONS OF FASB ASX 740-10-25, ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES. UNDER THIS PROVISION, AN ORGANIZATION MUST RECOGNIZE THE TAX BENEFIT ASSOCIATED WITH TAX PROVISIONS FOR THE TAX RETURN PURPOSES WHEN IT IS MORE LIKELY THAN NOT THE POSITION WILL BE SUSTAINED. THE IMPLEMENTATION OF THIS STANDARD HAS HAD NO IMPACT ON CESI'S FINANCIAL STATEMENT. CURRENTLY, THE 2014, 2015, AND 2016 TAX YEARS ARE OPEN AND SUBJECT TO EXAMINATION BY THE TAXING AUTHORITIES. CESI DOES NOT BELIEVE THERE ARE ANY MATERIAL UNCERTAIN TAX POSITIONS AND, ACCORDINGLY, IT HAS NOT RECOGNIZED ANY LIABILITIES FOR THE UNRECOGNIZED TAX BENEFIT. false false false false false false false false false DR DIANE CHEN CEO/SECRETARY OF BOA 172843 18920 191763 FORM 990 - ORGANIZATION'S MISSION CONSUMER EDUCATION SERVICES, INC ("CESI") IS A NON-PROFIT SERVICE PROVIDER OF COMPREHENSIVE PERSONAL FINANCIAL EDUCATION AND SOLUTIONS FOR ALL LIFE STAGES AND FOR ALL LIFE'S MILESTONES OUR GOAL IS ENHANCED ECONOMIC SECURITY FOR EVERYONE WE SERVE. FORM 990, PAGE 2, PART III, LINE 4B THE SECOND PART OF THE CESI OUTREACH PROGRAM EFFORT IN THE FORM OF FREE INDIVIDUAL FINANCIAL COUNSELING AT THE CESI CENTER WITH AN ACCREDITED CESI COUNSELOR. CESI OFFERS A WIDE VARIETY OF COURSES COVERING FINANCIAL TOPICS GEARED TOWARD AN ADULT OR A YOUTH AUDIENCE. WE UTILIZE A TEAM OF COMMUNITY EDUCATORS TO CONDUCT CLASSES AND ASSIST THE COMMUNITY PARTNERS. CESI OFFERS NUMEROUS FINANCIAL EDUCATIONAL RESOURCES, WHICH ARE EASILY ACCESSED BY ALL CONSUMERS AND NOT JUST CESI CUSTOMERS. THESE RESOURCES ARE DESIGNED TO HELP CONSUMERS BETTER MANAGE THEIR FINANCES AND TO ACHIEVE THE GOAL OF BECOMING DEBT FREE. IN ADDITION, CONSUMERS MAY PARTICIPATE IN CESI'S FREE ONLINE COURSES. THROUGH CESI COMPREHENSIVE GUIDE TO PERSONAL FINANCE, WHICH PROVIDES A COMPREHENSIVE FINANCIAL LITERACY CURRICULUM THAT OFFERS SELF-PACED INSTRUCTIONAL SESSIONS. THIS PROGRAM ASSISTS CONSUMERS WITH THE NECESSARY SKILLS TO IMPROVE THEIR FINANCIAL MANAGEMENT PRACTICES THAT INCLUDE DEBT MANAGEMENT, MINIMIZING CREDIT CARD SPENDING AND DEVELOPING A BUDGET. CESI ALSO OFFERS A VARIETY OF EDUCATIONAL RESOURCES THAT INCLUDE PERSONAL FINANCIAL CALCULATORS, A QUARTERLY E-NEWSLETTER, EDUCATIONAL BLOGS ON ON- LINE COMMUNITY MESSAGE BOARDS, AS WELL AS VARIOUS E-LEARNING RESOURCES SUCH AS VIDEO WEBCASTS. FORM 990, PAGE 2, PART III, LINE 4C AND CAPITAL AREA VETERANS STANDDOWN IS TO ASSIST ALL VETERANS IN THE AREAS OF HEALTHCARE, VA BENEFITS AND CONSULTATION, MENTAL HEALTH/SUBSTANCE ABUSE, LEGAL EDUCATION, SPIRITUAL GUIDANCE, SOCIAL SERVICES EMPLOYMENT ASSISTANCE AND DENTAL CLINIC. CESI ALSO ASSIST CONSUMERS THROUGH THE NORTH CAROLINA HOUSING FINANCE AGENCY (NCHFA). THE FIRST PROJECT IS STATE HOME FORECLOSURE PREVENTION PROJECT (SHFPP) WHICH HELPS NORTH CAROLINA HOMEOWNERS WHO HAVE RECEIVED A 45 DAY LETTER FROM THEIR SERVICER TO AVOID FORECLOSURE BY PUTTING THEM IN CONTACT WITH A HUD HOUSING COUNSELING AGENCIES WHO CAN ASSIST THEM WITH LOSS MITIGATION OPTIONS. OTHER PROJECTS ARE HARDEST HIT FUND(HHF), NORTH CAROLINA FORECLOSURE PREVENTION FUND(FPF), OR MORTGAGE PAYMENT PROGRAM (MPP). THESE PROJECTS HELP NORTH CAROLINA HOMEOWNERS WHO HAVE LOST THEIR JOBS OR HAVE EXPERIENCED SOME OTHER TYPE OF EMPLOYMENT RELATED FINANCIAL HARDSHIP TO MAKE THEIR MORTGAGE PAYMENTS WHILE THEY LOOK FOR A JOB OR RETRAIN FOR A NEW JOB. BETWEEN JULY 1, 2016 AND JUNE 30, 2017 CESI HANDLED 83,956 PHONE CALLS FROM CONSUMERS THAT EITHER RECEIVED LETTERS FROM NCHFA OR WHO HAVE LEARNED ABOUT THE FPF PROGRAM VIA THE WEBSITE NCFORECLOSUREPREVENTION.GOV OR OTHER TYPE OF MARKETING THAT HAS BEEN DONE FOR THE PROGRAM. FORM 990, PAGE 2, PART III, LINE 4D DEBT MANAGEMENT PROGRAM - THIS PROGRAM PROVIDES SERVICES TO ITS DEBT MANAGEMENT PARTICIPANTS WITH RESPECT TO PROCESSING PAYMENTS, WORKING WITH CREDITORS TO SECURE A REDUCTION IN INTEREST RATES, AND EDUCATING AND TRAINING CLIENTS TO BETTER MANAGE THEIR FINANCES. BANKRUPTCY COUNSELING - CESI OFFERS BANKRUPTCY COUNSELING FOR INDIVIDUALS IN NEED OF EITHER PRE-FILING CREDIT COUNSELING OR POST-FILING DEBTOR EDUCATION. BEFORE AN INDIVIDUAL FILES FOR CHAPTER 7 OR CHAPTER 13 BANKRUPTCY, A CREDIT COUNSELING CERTIFICATE FROM AN EOUST APPROVED AGENCY IS REQUIRED. CESI PROVIDES THE REQUIRED COUNSELING FOR OUR CLIENTS IN ORDER TO OBTAIN THE CERTIFICATE. THIS CAN BE DONE BOTH ONLINE AND BY PHONE. AFTER COMPLETING THE CREDIT COUNSELING AND FILING FOR BANKRUPTCY, INDIVIDUALS ARE REQUIRED TO COMPLETE A DEBTOR EDUCATION COURSE BY AN EOUST APPROVED PROVIDER. THIS COURSE IS OFFERED BOTH ONLINE AND BY PHONE. BOTH PRE-CREDIT COUNSELING AND POST-CREDIT COUNSELING ARE PERFORMED BY CERTIFIED COUNSELORS. FORM 990, PAGE 6, PART VI, LINE 11B THE PRESIDENT & CEO AND THE DIRECTOR OF FINANCE ARE RESPONSIBLE FOR REVIEWING AND APPROVING THE FORM 990 AND THE FORM 990-T BEFORE IT IS FILED. FORM 990, PAGE 6, PART VI, LINE 12C OFFICERS, DIRECTORS, AND KEY EMPLOYEES ARE REQUIRED TO DISCLOSE ANY POTENTIAL CONFLICTS OF INTEREST ANNUALLY ON A CONFLICT OF INTEREST FORM. ANY KNOWN CONFLICTS OF INTREST REQUIRE IMMEDIATE DISCLOSURE. FORM 990, PAGE 6, PART VI, LINE 15A THE BOARD OF DIRECTORS GENERALLY DETERMINES AND REVIEWS THE SALARY OF THE PRESIDENT AND CEO. FORM 990, PAGE 6, PART VI, LINE 15B THE BOARD OF DIRECTORS GENERALLY DETERMINES AND REVIEWS THE SALARY OF KEY EMPLOYEES. FORM 990, PAGE 6, PART VI, LINE 19 CESI MAKES IT GOVERNING DOCUMENTS, CONFLICTS OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST. THE ORGANIZATION FORM 990 IS ALSO AVAILABLE ON GUIDESTAR.ORG.