1. Who is GreenPath? David W. Counselor Free and Confidential Financial Education and Counseling Industry Leader Non-Profit Over 300 partners!

2. Quality Counseling

3. 50+ Locations, Licensed Nationwide

4. GreenPath – Locations Face to face appointments San Antonio, TX Immediate counseling Telephone 877-337-3399 Confidential Call Center Hours: (EST) Monday –Thursday 8 a.m. – 10 p.m. Friday 8 a.m. - 7 p.m. Saturday 9 a.m. - 6 p.m.

5. NFCC and HUD Certified Highly Educated Compassionate Experienced Experts Our Counselors “My counselor made me feel important, confident, qualified to be in charge.” “The counselor was very sympathetic, and non-judgmental, very kind and compassionate...” “The counselor was extremely nice and helpful she made me feel comfortable on a situation I was embarrassed about.” “My counselor was concerned for my well being and talked to me not at me or down to me. She made me feel like a friend helping a friend.”

6. 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.

7. 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

8. 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

9. 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

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

11. 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*

12. 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)

13. Military Counseling Certification FIGHTING FOR THOSE WHO FIGHT FOR US

14. E-Courses Webinar Wednesdays Over 250 Articles! written by Counselors Ask the Expert Fully Interactive Calculators Engaging Educational Games and Videos Educational Resources - GreenPath Website www.greenpath.org/university

15. Debt Management Plan Educational Webinars – Live, Free! 12pm EST

16. QualityIntegrityCompassion 866-234-4767 www.greenpath.org Tina Ponder Questions? Contact us for more information Flexible Hours: (EST) Monday –Thursday 8 a.m. – 10 p.m. Friday 8 a.m. – 7 p.m. Saturday 9 a.m. – 6 p.m.