The NPCL Financial Empowerment Program

1. The NPCL Financial Empowerment Program Presented by The National Partnership for Community Leadership Strengthening Organizations to Serve People and Communities

2. NPCL Empowerment Programs Strengthening Organizations to Serve People and Communities for the Future... • Financial Empowerment for Low-wealth Communities • Fatherhood Development: A Curriculum for Young Fathers • Fatherhood & Marriage Education for Community-based Programs • National Youth Development Practitioners Institute • Coming Soon: Fatherhood & Motherhood Development: A Curriculum for Young Fathers & Mothers

3. NPCL Financial Empowerment Program • Education: “Teaching people to fish” • Financial empowerment -- not handouts • Tools that establish and improve credit • Tools that make taxes and tax credits (EITC) nota problem • Tools that make sure any natural Disaster is not a financial disaster • The NPCLCardBetter than Cash and Checks Program

4. Financial Literacy • NPCL assists community-based organizations serving low-wealth communities develop financial literacy programs.

5. Financial Literacy: Credit • Accessing Your Free Credit Report • Credit Scoring • Avoiding Credit and Charge Card Fraud • Building a Better Credit Record • Buying New and Used Autos • Choosing and Using Credit Cards; • Cosigning Loans • Easy Credit, the Truth About It • Credit and Your Consumer Rights

6. Financial Literacy: Credit • Credit Repair • Fair Debt Collection • Fair Credit Billing • Credit, ATM and Debit Cards • Credit and Divorce • Credit and Consumer Rights • Credit Practices Rule • How to Deal with Creditors

7. Financial Literacy: Budgeting & Taxes • Realistic Budgeting • Personal Money Management • Making Financial Decisions • EITC (Earned Income Tax Credit)

8. Home Ownership • Buying a Home • PMI • High-Rate, High-Fee Loans • Home Equity Credit Lines • Home Improvement • Shopping for a Mortgage • Reverse Mortgages • Understanding Home Mortgage Process • Utility Credit

9. Saving & Investing • Reading Financial Statements • Savings Fitness • Investment Risks • Financial Security in Later Life • Federally Insured savings

10. Privacy, Fraud and Scams • Automatic Debit Scams • Fake Credit Reports • Federal and Postal Job Scams • Identity Theft • Privacy of Personal Financial Information • Marketing Scams

11. Starting a Small Business • Basic Business Plan • Applying for a Loan • Buying a Franchise • Financing Basics

12. Introducing the NPCLCardStored Value and Debit Card Empowerment Services The Debit Card thatPowersPayments andEmpowersCardholders

13. The NPCLCard Product Our Mission . . . is providing the first Debit Card Solution that understands and meets the needs of American citizens who may not have bank accounts or other financial relationships but who need and deserve the same modern financial instruments, protections and wealth building opportunities as all other citizens The purpose of the NPCLCard is to make conventional paper checks obsolete.

14. The Time is Right Nowfor a Debit Card Solution Did you know: Today 35% of consumer spending in the United States -- $2.1 Trillion – is completed by using “plastic” – that is, credit / debit / prepaid cash cards. The great majority of stores, restaurants, and service businesses already are using card payment systems, and most businesses actually prefer that their customers use cards instead of cash to buy goods and services, and pay bills.

15. To Work and Prosper in Today’s Economy, Citizens Need Debit Cards Your NPCLCard makes conventional paper checks obsolete. Here’s how: • Completely eliminates the time, expense and high fees required to deposit or cash paper checks • No more need to pick up checks, wait for “your check is in the mail” to arrive • Your pay can be accessed anytime 24/7 at the nearest ATM machine or by cash over when making a purchase • Much better safety and security of your money – your money can’t be lost or stolen. If you lose your card, it will be replaced easily and quickly • Does away with the risk of identity theft using information on your paper check

16. NPCLCard Advantages Easy to Get, Easy to Use • You don’t have to qualify – you just need a source of funds (pay, benefits, assistance money) that we can load into your card money protected deposit account • Multiple card loading options at no additional expense • You can obtain additional cards allowing you to transfer money, without paying fees, to family members in other countries

17. NPCLCard Advantages Easy to Get, Easy to Use • No charge Point of Service (POS) usage [cash back] • We have optional discount programs and cardholder insurance packages • We build local buying power: card preference programs with merchants and other businesses who get recommended to us by NPCLCard cardholders.

18. NPCLCard Advantages Always Handy and Convenient • Your money is always available when needed • Card to card transfer of funds at no cost • Via the web • Via phone • Phone and Web (online) cardholder support • Cardholder training programs are available • English and Spanish user materials, with other language options by special arrangement

19. NPCLCard Advantages Low Cost Features • Multiple card loading options • Additional cards for cardholder family members • Transfer funds to family in other countries • No-charge Point of Service (POS) usage • Optional financial programs available: • Cardholder life insurance packages • Medical discount programs

20. NPCLCard Advantages We Deliver Advanced Information Technology for the People • Card administration services • System can be customized to group’s needs • 100% coverage: • bank backed – but users don’t need to have an account • Web (Internet) service functionality • We can link to most payroll/benefits systems • Free usage reports • Cardholders can access their information anywhere via the Internet -- securely

21. How to Contact NPCL The National Partnership for Community Leadership ______________ 1875 Eye Street, NW Suite 500 Washington, DC 20006 Toll Free: 888-775-6725 Fax: 202-429-2028 Web:www.npcl.org Email: npclcard@npcl.org