1. “We are very appreciative for what GreenPath has done for us. Our counselors have been very helpful and understanding, never pushy or aggressive, like those other companies that will take your hard-earned dollars and give you no help to speak of. If you need financial help, talk to GreenPath.” – Barbara B., Auburn, NY “Coming to GreenPath was the best decision I ever made. Phone calls have been eliminated, interest rates have been decreased, creditors are being paid and I see the light at the end of the tunnel! It’s close!” – Eugenia P., Fairchance, PA "You have done an awesome job. Your counselor provided me with advice that was accurate and balanced. It was not slanted to assist GreenPath in promoting a service, but was honest." - Derek H., Granger, IN "Your counselor was wonderful at helping me understand my situation and weighing the pros and cons. She was respectful, friendly and honest." - Griselle S., Oregon, WI “GreenPath counselors offer excellent customer service, quick and personal responses and respect for their clients. I’m so glad I found you.” – Audra A., Farmington Hills, MI

2. Welcome to GreenPath

3. What we do...

4. Our secure website Or by telephone Mon-Sat With appointment in our branches Counseling

5. FREE FINANCIAL COUNSELING SESSION Budget with customized action plan Debt Repayment Options Student Loans Housing Concerns Credit Reports and Scores Financial Education Community Resources Holistic Financial Counseling.

6. Our Counseling Process 2. Create a detailed budget 3. Develop a customized Action Plan 1. Review current financial situation & goals Budget with customized action plan

7. With GreenPath, clients can expect: A complete and thorough review of their financial situation with a compassionate, experienced counselor that will last about 1 hour. Non-judgmental, unbiased financial counseling based on their individual goals and needs. Discussion of options for the client to choose what is the right path for them. A complete Budget and Action plan that will be sent to them with solutions and educational tools to help them achieve their goals. Budget with customized action plan

8. Credit Report Review Good credit is a marathon. Our counselors can help explain the components of a report, analyze what’s in their report, provide suggestions to improve their score, and tips on what to avoid Credit Reports and Scores Ruined credit is a sprint. If you’re a fan of surprises… …avoid looking at your credit report Counselors can help develop an action plan to help improve credit reports & scores Free credit reports are available once a year at or by calling 877-322-8228

9. Housing Discussions HUD-approved housing counseling organization Housing Concerns Pre-Purchase - First-time Homebuyer Education Reverse Mortgage Counseling Mortgage Delinquency & Default

10. Proactive Housing Counseling First-time Homebuyer Education: Help prepare those buying their first home Educate them on the home buying process Prepare them for the requirements and responsibilities of home ownership Counseling reduces the delinquency rate of first-time homebuyers by 29%* Individuals receiving pre-purchase counseling were one third less likely to become 90+ days delinquent over two years than those who did not receive counseling* *The Homeownership Preservation Foundation (HPF)

11. Housing Discussions Reverse Mortgage Counseling Mortgage Delinquency & Default Explain reverse mortgages for seniors over the age of 62 Explain the pros and cons Analyze the situation to determine the best option Receive a certificate Explore all options for resolving the delinquency Discuss changes necessary to retain the home Determine strategies, establish a budget, reset priorities Discuss workout options (forbearance, re-aging, loan modifications, foreclosure process, etc.) Call the lender/servicer & help with paperwork

12. Housing Delinquency Concerns? Counseled borrowers are 200% more likely to be granted a modification, and receive more favorable terms than non-counseled borrowers.* Homeowners already seriously delinquent on their loans are 60% more likely to avoid foreclosure after meeting with a counselor.* *The Homeownership Preservation Foundation Counseled borrowers are 67% more likely to remain current on their mortgage 9 months after receiving a loan modification than non-counseled borrowers.*

13. Student Loan Concerns? Counselors - SLA certified to discuss: Payment options before college Direct, Stafford & Perkins Loans, subsidized vs. unsubsidized, Federal, State & Pell Grants Payment options after college Consolidation, Graduated Payment Plans, Income Based Repayment (IBR), Pay As You Earn (PAYE), Public Service Loan Forgiveness (PSLF), deferment or forbearance GreenPath is a member of the Student Loan Alliance (SLA) Student loan debt exceeds credit card debt – national crisis Over one third of borrowers under the age of 30 are more than 90 days delinquent*

14. clients have access to a debt repayment plan accepted by creditors nationwide Counselors work with creditors to negotiate concessions and/or payment arrangements (lower interest rates, waive late & overlimit fees, re-age accounts) Debt Management Plan Debt Repayment Options *Monthly fee for a DMP Averages $35 per month Based on total amount of debt being managed Not recommended unless it will be a benefit to the client (counselors do not have quotas to meet or receive incentives for setups – fewer than 33% of those counseled will set up on a DMP)

15. Debt Management Plan Benefits: 1.Structure and support 2.Consolidated payment 3.Shorter payoff timeframe to pay debt in full 4.Money saved (interest and fees) 5.Improved credit over time as debts are reduced 6.Prevent foreclosure, repossession, legal action & shut offs 7.Offers an alternative to bankruptcy

16. Tracy’s Story Tracy’s Story Tracy enrolled in a DMP to get help with lowering interest and payments. Below is a chart with examples of how rates and payments changed on 5 of her credit cards. Creditor Interest Rate before DMP Interest Rate on DMP Monthly Payment before DMP Monthly Payment on DMP Credit Card A17.9%1.9%$235$167 Credit Card B17.9%1.9%$117$64 Credit Card C28.24%9.9%$165$225 Credit Card D13.99%6.99%$95$96 Credit Card E19.24%2.49%$87$65

17. Tracy’s Benefit So, with the overall reduction in interest rates, more of her payments will go towards principals & pay off her debt more quickly. If Tracy continues on the DMP, she will pay her credit cards in full 19 months sooner and… she will save $20,102 in interest and payments!

18. NFCC 2014 Military Financial Literacy Survey 57% are worried about the potential loss of income and job security resulting from defense cuts and downsizing. 28% are more worried than they were 12 months ago 55% do not feel very prepared for a financial emergency 60% who took out a loan say that limited lending options forced them to look at non-traditional lenders to meet their needs

19. Education

20. How Clients Are Referred Creditors Employers Friends Former clients Current clients Social workers Attorneys Human service organizations Media sources

21. What Colorado Clients are saying about the GreenPath Financial Counseling Program “The reality of our financial situation was put in perspective. We now have a plan for addressing it.” “HOPE! Julie was very thorough and helped me break things down into smaller ‘doable’ chunks rather than the overwhelming big picture.” “I felt listened to, received sound advice, new resources.” “I felt that my finances were in control, finally, and I didn’t need to lay awake nights worrying about it.”

22. 50+ Locations, Licensed Nationwide

23. GreenPath in Your Community

24. fd Creditors DMP Bankruptcy Sessions Government & Local Grants How we are funded

25. Our Core Purpose Through financial knowledge and expertise, we provide high quality products and services that enable people to enjoy a better quality of life.

26. Quality Counseling

27. 1-866-234-4767 At GreenPath we take our community referral partnerships seriously. We would like to partner with your organization. Please email community@greenpath.com to become a GreenPath Partner. We’ll send you a welcome kit and brochures so that you have the resources you need for your constituents.community@greenpath.com