DebtWave Credit Counseling provides free financial literacy programs and seminars to educate the public. Their mission is to educate people on proper credit use and assist clients with reducing debt. In 2010, their Community Outreach Department exceeded goals by providing 159 free seminars to schools, colleges, and organizations in San Diego County on topics like budgeting, credit reports, and responsible credit use. They distribute educational materials and have received positive feedback praising their informative yet engaging presentations.

1. DebtWave Credit Counseling’s Community Outreach

2. About DebtWave Credit Counseling, Inc. Mission Statement It is our commitment to educate on the proper use of credit through budget management, to offer sound counseling, and to assist clients to reduce and eliminate debt. We will ensure compliance to relevant legal requirements, establish and review the quality objectives, continually improve our QMS, and implement any changes to guarantee that our commitment to customer satisfaction is achieved. Nonprofit 501(c)(3) consumer credit counseling company Established in 2002 Certified by the International Organization for Standardization (ISO) since 2003 Counselors educated through the Center for Financial Certifications® ISO 9001 FS 73251 A+ BBB Rating

4. Free on-site seminars

5. Free one-on-one counseling

7. Introduction to Credit Reports & Scores: How it Affects Your Future

8. Budgeting

10. Managing Credit Card Debt

11. Managing Personal Finances and Creating A Budget

12. Teaching Your Children About Money

14. Wave of the Future Presented by: DebtWave Credit Counseling

16. 16 digits

17. Expiration date

18. Your name

19. Bank name

20. Credit card logo (Visa, Mastercard)Debit Cards are linked to your checking account

21. Wave of the Future 2011 The True Cost of CreditDangers of Making the Minimum Payment $5,000 home entertainment system Best Buy credit card (24% VR as of 5/1/10) Make only the minimum payments (1% of the balance + finance charges or about $150) How long would it take to pay off the balance? What would be the total cost?

22. Wave of the Future 2011 The True Cost of CreditDangers of Making the Minimum Payment 285 months, or just over 23 years $9,332.10 in interest, bringing the total cost of the home entertainment system to $14,332 How long would it take if we made fixed payments of $150 a month?

23. Wave of the Future 2011

24. Wave of the Future 2011 Wave of the Future Understanding Credit Reports & Scores

26. Lenders offered her more credit cards at good rates and terms.

27. Spread balances over several cards.

29. Most of the time she was maxed out on her cards.

30. Was only able to obtain 2 credit cards.

31. Her average interest rates were 19.9%.

32. Wave of the Future 2011 Nicole and Liz’s Credit Cards Comparison$8,000 NicoleLiz Credit score 750 650 Interest rate 9.9% 19.9% Yearly int. costs $792 $1,592 Lifetime int. costs $39,600 $79,600 Liz’s penalty $40,000

33. Just a few San Diego County Events Community Events Armed Services YMCA Neighborhood Exchange (2010) City of Refuge 3rd Annual Block Party (2010) Escondido Street Fair (2011) Patrick Henry High School Career Fair for Seniors (2011) University of Phoenix Career and Resource Fair (2010, 2011) Health and Wellness Expos L-3 Communications Robbins Gellar Rady Children’s Hospital San Diego Zoo USS Midway Viejas Casino

34. The Wedding Party Bridal Show Educational information distributed: 212 newsletters 212 Our Services brochures 212 Budgeting brochures 150 wedding budgets

35. Educational Literature

36. Smart With Your Money Workbook Education Program Test available at www.debtwave.com

39. Facebook & Social Media

41. 159 seminars/events completed at San Diego County high schools, colleges and business organizations*

42. 2010 Goal: 85 seminars/events * as of 12/31/10

43. Testimonials “Chase provided a financial seminar to our entire company. The employees loved all of the information that they learned from [the presentation]. [DebtWave] was very informative, knowledgeable and very upbeat for this subject matter. I highly recommend [DebtWave’s SWYM program].” -Kris Vinluan, Human Resources Manager, SDA Security “I really appreciated that Wendy from DebtWave was able to speak with my College Success class. She was organized, engaging, informative, professional and funny! I have already told all of my other Counseling instructors about her and look forward to inviting her to my future classes.” -Patrick OBrien, Counselor, Palomar College “This [budgeting] presentation was very useful because during his first presentation, I was in credit card debt. I learned to make payments on time because if not, there was going to be harsh consequences…” –Student, Mesa College “Wow- this information was mind boggling. I had never heard about most of this stuff. You were funny too. You actually managed to make some really boring stuff interesting!” –Student, Helix High