2015-11-13T11:20:57-06:00 2014-12-31 760483688 TAX RESOURCE GROUP 6710 STEWART RD STE 202 GALVESTON TX 77551 990 2014-01-01 541837741 MONEY MANAGEMENT INTERNATIONAL INC MONE 7133943329 14141 SOUTHWEST FREEWAY NO 1000 SUGAR LAND TX 774783494 IVAN HAND PRES & CEO 7133493119 2015-11-11 1 KENNETH A MARX P00008048 7139828050 2014 2016-03-07 17:11:31Z IVAN L HAND 14141 SOUTHWEST FREEWAY NO 1000 SUGAR LAND TX 774783494 83840684 0 X WWW.MONEYMANAGEMENT.ORG X 2002 TX MMI STRIVES TO BENEFIT THE COMMUNITY BY PROVIDING EXCEPTIONAL FINANCIAL EDUCATION AND COUNSELING PROGRAMS,INCLUDING CREDIT, HOUSING AND BANKRUPTCY COUNSELING. 9 8 872 34 662638 -112999 16737187 14749450 52159323 37061913 1777500 1409005 2956880 1325113 73630890 54545481 0 0 0 0 53548948 38782048 0 0 641663 23284671 20152178 76833619 58934226 -3202729 -4388745 72154557 62633641 24757554 17193595 47397003 45440046 X TO IMPROVE LIVES THROUGH FINANCIAL EDUCATION. 0 0 24212356 32625110 CREDIT COUNSELING AND DEBT MANAGEMENTMONEY MANAGEMENT INTERNATIONAL INC. (MMI) PROVIDES PERSONAL FINANCIAL COUNSELING AND EDUCATION FOR INDIVIDUALS NEEDING ASSISTANCE WITH BUDGETING AND MONEY MANAGEMENT. CONSUMERS CONTACTING MMI RECEIVE FINANCIAL GUIDANCE FROM A CERTIFIED CREDIT COUNSELOR. DURING A DEBT AND BUDGET COUNSELING SESSION, THE COUNSELOR WILL HELP THE CONSUMER ASSESS THEIR FINANCIAL SITUATION, DEVELOP A SPENDING PLAN, SET FINANCIAL GOALS AND CREATE AN ACTION PLAN. SOME CONSUMERS MAY BE ENROLLED IN AN MMI DEBT MANAGEMENT PLAN (DMP) FOR SYSTEMATIC REPAYMENT OF CERTAIN DEBTS. TEAMS OF CERTIFIED SUPPORT COUNSELORS PROVIDE ADMINISTRATION AND SUPPORT FOR MMI'S DMP CLIENTS BY PROVIDING ON-GOING FINANCIAL COUNSELING AND EDUCATION TO CLIENTS FROM THE START OF THEIR PLAN THROUGH COMPLETION. CORPORATE POLICY REQUIRES ALL SUPPORT COUNSELORS RECEIVE IN-DEPTH TRAINING AND ARE REQUIRED TO BE INDEPENDENTLY CERTIFIED PRIOR TO COUNSELING A CONSUMER.ACCOMPLISHMENTS ARE LISTED BELOW. 10731608 2825773 HOUSING COUNSELING AND EDUCATIONMMI PROVIDES THREE HOUSING COUNSELING SERVICES AIMED AT SAVING HOMES AND BUILDING COMMUNITIES.1. FORECLOSURE PREVENTION COUNSELING WILL ASSIST THOSE THAT HAVE FALLEN BEHIND ON THEIR MORTGAGE PAYMENTS TO KEEP THEIR HOME AND AVOID THE COST AND CREDIT RATING DAMAGE ASSOCIATED WITH FORECLOSURE.2. REVERSE MORTGAGE COUNSELING EDUCATES SENIORS ON THE BENEFITS,CONSEQUENCES,OPTIONS, AND PROCESS OF OBTAINING A HOME EQUITY CONVERSION MORTGAGE. 3. MMI ASSISTS POTENTIAL HOME BUYERS BY EDUCATING THEM ON THE COSTS AND RESPONSIBILITIES OF HOME OWNERSHIP. FUNDING IS PROVIDED TY THE U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT (HUD), NATIONAL FORECLOSURE MITIGATION COUNSELING PROGRAM (NEIGHBORWORKS), HOMEOWNERSHIP PRESERVATION FOUNDATION(HPF), AND THE U.S. TREASURY DEPARTMENT'S MAKING HOMES AFFORDABLE PROGRAM (MHA). ACCOMPLISHMENTS ARE LISTED BELOW. 1421643 617505 BANKRUPTCY COUNSELING AND BANKRUPTCY EDUCATIONMMI HAS BEEN APPROVED SINCE 2005 TO PROVIDE PRE-FILING BANKRUPTCY COUNSELING AND ISSUE COUNSELING CERTIFICATES IN COMPLIANCE WITH THE BANKRUPTCY CODE. MMI IS ALSO APPROVED TO DELIVER PRE-DISCHARGE BANKRUPTCY EDUCATION SERVICES ALONG WITH THE CERTIFICATE OF PARTICIPATION THAT ALLOWS THE CONSUMER TO PROCEED WITH THE BANKRUPTCY DISCHARGE PROCESS. ACCOMPLISHMENTS ARE LISTED IN SCHEDULE O 2316593 1449849 CONSUMER EDUCATION PROGRAMS ATTACHMENT 1 2316593 1449849 38682200 1 1 0 1 0 0 0 0 1 0 1 0 0 1 1 1 0 1 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 1 1 1 0 0 1 147 0 1 872 1 1 1 0 0 0 0 0 0 0 X 9 8 0 0 0 0 0 0 0 1 1 0 1 1 1 1 1 1 1 1 1 1 0 AL AK AZ AR CA CO CT FL HI IL KS KY ME MD MA MI MN MS NJ NM NY ND OR PA TN WA WV WI X JEAN LAW 7133943139 14141 SOUTHWEST FREEWAY SUITE 1000 SUGAR LAND TX 77478 IVAN L HAND JR PRESIDENT 42.00 3.00 X X 1662647 0 46969 LESTER E DEES DIRECTOR 3.00 1.00 X 0 0 0 FRANK DEGISE DIRECTOR 3.00 1.00 X 0 0 0 DOUGLAS DURNIN DIRECTOR 3.00 1.00 X 0 0 0 DR WILLIAM F STAATS DIRECTOR 3.00 1.00 X 0 0 0 JOSEPH P WARNER DIRECTOR 3.00 1.00 X 0 0 0 KAREN ANCILLAI DIRECTOR 3.00 1.00 X 0 0 0 ELIZABETH HOTZE DIRECTOR 3.00 1.00 X 0 0 0 WILLIAM PUPO DIRECTOR 3.00 1.00 X 0 0 0 DAVID A JUENGEL TREASURER 42.00 3.00 X 119879 0 11801 JEAN L LAW SECRETARY 42.00 3.00 X 124000 0 23273 ANTHONY SCATAGLIA CHIEF OPERATING OFFICER 40.00 X 276353 0 31330 MARIANNE D'AQUILA CHIEF TALENT OFFICER 40.00 X 218195 0 32875 JOHN FISHER CHIEF RELATIONSHIP OFFICER 40.00 X 232832 0 24852 JIM TRIGGS SENIOR VICE PRESIDENT 40.00 X 152437 0 16549 KANDEE JAHNS SENIOR VICE PRESIDENT 40.00 X 186567 0 27727 JOANNE HULL VICE PRESIDENT 40.00 X 176983 0 5630 DON MCGEE VICE PRESIDENT 40.00 X 152022 0 20979 TERRY M BLANEY FORMER SVP 1.00 X 200000 0 0 MEL STILLER FORMER SVP 1.00 X 180628 0 9941 3682543 0 251926 30 1 1 0 VENABLE LLP PO BOX 62727 BALTIMORE MD 21264 LEGAL 257294 REMOTE DBA EXPERTS 2000 ERICCSON DR STE 102 WARRENDALE PA 15086 CONSULTING 190080 FRED RHODES & CO 9894 BISSONNET STE 850 HOUSTON TX 77036 CONSULTING 169977 MERIDIAN KNOWLEDGE SOLUTIONS 80 IRON POINT CIRCLE STE 100 FOLSOM CA 95630 CONSULTING 138310 LTL INVESTMENTS 25641 HAMPTON DR LAGUNA MIGUEL CA 92677 CONSULTING 138015 5 40000 266482 9581973 4860995 14749450 BUDGET AND DEBT COUNSELING 624100 32625110 32625110 HOUSING COUNSELING AND EDUCATION 624100 2825773 2825773 REP PAYEE PGM& CRISCROSS HOTLINE 624100 622235 622235 BANKRUPTCY COUNSELING AND EDUCATI 624100 617505 617505 EDUCATION PROGRAMS & COMMUNITY OU 611710 371290 371290 37061913 540935 540935 206151 0 206151 206151 206151 29058732 1104541 28322936 972267 735796 132274 868070 868070 UNRELATED BUSINESS INCOME 561499 662638 662638 STUDENT SERVICES 541900 278277 278277 EDUCATIONAL BOOK SALES 611710 87356 87356 90691 90691 1118962 54545481 37518237 662638 1615156 2633906 2633906 28404081 23598842 4454476 350763 476516 414203 58038 4275 3897496 2941860 931783 23853 3370049 2787202 555487 27360 382469 382469 126651 126651 38957 38957 145655 145655 547451 22745 524706 1577342 1577342 2901657 835303 1870300 196054 1264687 303298 961399 -10 5173132 4189016 972939 11177 784994 374949 389992 20053 102574 56546 43996 2032 4230 97 4133 189250 189250 3239063 25365 3212851 847 346388 346388 OTHER 1632836 34952 1597884 DUES & ASSOCIATIONS 1213247 1085184 126297 1766 LICENSES AND TAXES 298600 81992 216608 TRAINING COSTS 100459 84863 15448 148 82536 79191 3345 58934226 38682200 19610363 641663 2125691 1652253 121658 50000 148603 168826 3501113 2970717 217445 212556 1243178 1361965 37296595 26481587 14110184 10815008 24963303 23470915 2087802 2180651 196602 23635580 19554148 72154557 62633641 6356709 3664962 15920005 12051782 2480840 1476851 24757554 17193595 X 46891830 45011590 505173 428456 47397003 45440046 72154557 62633641 X -4388745 132551 2299237 X X 0 1 X 1 1 1 X 26069696 25105055 17377739 16737187 14749450 100039127 79494530 72234810 64569926 52198404 37518237 306015907 105564226 97339865 81947665 68935591 52267687 406055034 28997076 22552604 16261839 14059511 11528805 93399835 5802185 4064363 3928066 2848168 2576258 19219040 34799261 26616967 20189905 16907679 14105063 112618875 293436159 1300856 648007 690291 577895 747086 3964135 979606 717957 561485 937798 662638 3859484 2280462 1365964 1251776 1515693 1409724 7823619 1959891 1959891 107844688 98705829 83199441 72411175 53677411 415838544 0.70560 0.70190 0.01880 0.01780 X PART III, LINE 12 THERE WAS A LAWSUIT SETTLEMENT IN 2013 OF $1,959,891 RELATED TO THE IDEMNIFICATION OF MMI WITH REGARD TO THE CALIFORNIA DEPARTMENT OF CORPORATIONS AND CLASS ACTION LITIGATION REGARDING THE AMERIDEBT BANKRUPTCY ESTATE. RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED X 38958 38958 38958 38958 57997754 60093182 58036712 60132140 1000000 1000000 250000 250000 0 0 0 0 1000000 1000000 1000000 1000000 4000000 6000000 68963 82413 75387 38958 265721 250000 250000 250000 250000 1000000 1500000 0 1 X 114170 114170 909980 584667 325313 1679882 979948 699934 9705911 8392767 1313144 24886652 16524205 8362447 10815008 CASH HELD IN TRUST FOR CLIENTS 12051782 DEPOSITS 264190 RESTRICTED INVESTMENTS 238811 CURRENT VALUE OF INSURANCE 6802763 GOODWILL 196602 19554148 ACCRUED LEASE EXPENSE 1476851 1476851 X PART IV, LINE 2B: MMI COLLECTS PAYMENTS FROM CLIENTS WHO ARE ON DEBT MANAGEMENT PLANS, PLACES THOSE PAYMENTS INTO A SEPARATE TRUST ACCOUNT, AND THEN DISBURSES THOSE FUNDS TO THE CREDITORS OF THE CLIENTS. PART X, LINE 2: AS AN ORGANIZATION DESCRIBED IN CODE SECTION 501(C)(3), MONEY MANAGEMENT INTERNATIONAL INC. (MMI) IS EXEMPT FROM FEDERAL INCOME TAXES ON ITS RELATED INCOME PURSUANT TO CODE SECTION 501(A). MMI HAD NO TAXABLE UNRELATED BUSINESS INCOME. ACCORDINGLY, NO PROVISION FOR INCOME TAXES HAS BEEN RECORDED. MANAGEMENT HAS EVALUATED THE COMPANY'S TAX POSITION AND CONCLUDED THAT MMI HAS NO UNCERTAIN TAX POSITIONS THAT REQUIRE ADJUSTMENT TO THE CONSOLIDATED FINANCIAL STATEMENTS. PART IV, 2B PAYMENTS THAT MMI COLLECTS FROM CLIENTS WHO ARE ON DEBT MANAGMENT PLANS ARE PLACED INTO A SEPARATE TRUST ACCOUNT AND THEN MMI DISBURSES THOSE FUNDS TO THE CREDITORS OF THE CLIENTS. X X X X 1 1 0 0 0 0 0 0 0 IVAN L HAND JR PRESIDENT 674616 0 650000 0 338031 0 30800 0 16169 0 1709616 0 225000 0 ANTHONY SCATAGLIA CHIEF OPERATING OFFICER 250000 0 5000 0 21353 0 7800 0 23530 0 307683 0 0 0 MARIANNE D'AQUILA CHIEF TALENT OFFICER 198766 0 4200 0 15229 0 6845 0 26030 0 251070 0 0 0 JOHN FISHER CHIEF RELATIONSHIP OFFICER 222000 0 4600 0 6232 0 6911 0 17941 0 257684 0 0 0 JIM TRIGGS SENIOR VICE PRESIDENT 148745 0 3140 0 552 0 787 0 15762 0 168986 0 0 0 KANDEE JAHNS SENIOR VICE PRESIDENT 171098 0 3600 0 11869 0 5844 0 21883 0 214294 0 0 0 JOANNE HULL VICE PRESIDENT 169766 0 3400 0 3817 0 5288 0 342 0 182613 0 0 0 DON MCGEE VICE PRESIDENT 148266 0 3140 0 616 0 4817 0 16162 0 173001 0 0 0 TERRY M BLANEY FORMER SVP 0 0 0 0 200000 0 0 0 0 0 200000 0 0 0 MEL STILLER FORMER SVP 0 0 0 0 180628 0 0 0 9941 0 190569 0 0 0 PART I, LINES 4A-B SCHEDULE J- PART II, LINE COLUMN B (II) EXECUTIVE BONUSES RELATING TO THE CALENDAR YEAR 2014 WERE CAPPED AT 2% OF BASE SALARY FOR ALL EXECUTIVES. COLUMN B(II) REPRESENTS A BONUS AWARED TO MR. HAND IN CONNECTION WITH A COMPREHENSIVE REVIEW CONDUCTED IN JANUARY OF 2014 OF MR. HAND'S CALENDAR YEAR 2013 PERFORMANCE. THE 2013 BONUS, WHICH WAS DECLARED AND PAID IN 2014, WAS BASED UPON A DETAILED COMPENSATION SURVEY ANALYSIS PREPARED BY AN INDEPENDENT CONSULTANT RETAINED BY THE COMPENSATION COMMITTEE AND RECOGNIZING MR. HAND'S APPROACHING RETIREMENT AGE. THE OTHER SENIOR EXECUTIVES WERE AWARDED AND PAID THEIR BONUSES RELATING TO THEIR PERFORMANCE IN CALENDAR YEAR 2013 IMMEDIATELY FOLLOWING THE DETERMINATIONS REACHED AT THE DECEMBER 2013 COMPENSATION COMMITTEE MEETING. BONUSES RELATING TO THEIR PERFORMANCE IN CALENDAR YEAR 2014 WERE AWARDED AND PAID FOLLOWING THE DECEMBER 2014 COMPENSATION COMMITTEE MEETING AND ARE REFLECTED IN COLUMN B(II). IN ADDITION $225,000 OF THE OTHER REPORTABLE COMPENSATION FOR IVAN HAND, JR. LISTED IN COLUMN B(III), WAS EARNED IN AN EARLIER YEAR AND PREVIOUSLY REPORTED ON A PRIOR FORM 990 AS INDICATED IN COLUMN F BUT, IN ACCORDANCE WITH IRS REPORTING GUIDELINES, IS BEING REPORTED A SECOND TIME ON THIS YEAR'S FORM 990 UPON VESTING AND PAYMENT. SCHEDULE J-PART 1-LINE 4(A) DURING 2014 SEVERANCE PAYMENTS OF $180,268 AND $200,000 WERE MADE TO MEL STILLER AND TERRY BLANEY RESPECTIVELY. SCHEDULE J-PART 1-LINE 4(B) DURING 2001 AND 2002, MMI ESTABLISHED SPLIT DOLLAR LIFE INSURANCE ARRANGEMENTS FOR CERTAIN KEY EXECUTIVES UTILIZING THOSE POLICIES AS SET FORTH IN THE FOLLOWING TABLE. PURSUANT TO THE COLLATERAL ASSIGNMENTS OF EACH POLICY, UPON TERMINATION OF AN ARRANGEMENT, MMI IS ENTITLED TO RECEIVE ALL OF ITS PREMIUMS PAID ON A POLICY TO THE EXTENT THERE IS SUFFICIENT CASH SURRENDER VALUE. HOWEVER, SUCH RIGHT MAY BE WAIVED UPON SATSIFACTION OF CERTAIN REQUIRMENTS. SIMILARLY, WHILE THE ARRANGEMENT IS IN EFFECT, MMI IS ENTITLED TO RECEIVE ALL OF ITS INSURANCE PREMIUMS PAID ON A POLICY BEFORE ANY INSURANCE PROCEEDS ARE PAYABLE TO AN EXECUTIVE'S BENEFICIARIES UNDER SUCH POLICY. EACH YEAR, IN ACCORDANCE WITH IRS NOTICE 2002-8 (WHICH GOVERNS SPLIT DOLLAR ARRANGEMENTS ENTERED INTO PRIOR TO SEPTEMBER 18, 2003), MMI REPORTS THE VALUE OF THE LIFE INSURANCE PROTECTION PROVIDED TO AN EXECUTIVE UNDER THE SPLIT DOLLAR ARRANGEMENTS AS TAXABLE COMPENSATION ON EACH PARTICIPATING EXECUTIVE'S FORM W-2. THE AGGREGATE PREMIUMS PAID AND CORRESPONDING CASH SURRENDER VALUE OF THE RESPECTIVE SPLIT DOLLAR POLICIES SUBJECT TO REPAYMENT TO MMI AS OF DECEMBER 31, 2014 IS $6,802,763 AND IS INCLUDED IN OTHER ASSETS ON MMI'S BALANCE SHEET. COVERED EXECUTIVE POLICY DATES CUMULATIVE PREMIUMS REPAYMENT FROM CASH SURRENDER VALUE AS OF 12/31/14 IVAN HAND 3/27/01 711,494 12/01/01 3,451,275 8/31/02 1,300,000 --------- 5,462,769 KANDEE JAHNS 3/27/01 280,000 8/31/02 390,000 ------- 670,000 TONY SCATAGLIA 3/27/01 279,994 8/31/02 390,000 -------- 669,994 ======= TOTAL 6,802,763 PART III LINE 4A MMI PROVIDED 65,419 DEBT AND BUDGET COUNSELING SESSIONS. MMI HAD OVER 78% OF CONSUMERS SUCCESSFULLY COMPLETE THEIR DEBT MANAGEMENT PLANS IN 2014. MMI SUPPORT COUNSELORS ANSWERED OVER 323,000 PHONE CALLS. PART III LINE 4B PRE-FILING BANKRUPTCY COUNSELING SESSIONS MMI PROVIDED OVER 65,000 HOUSING SPECIFIC SESSIONS DURING 2014. PART III LINE 4C MMI'S COMMUNITY OUTREACH AND FINANCIAL EDUCATION GROUP PRESENTED OVER 1,700 EDUCATIONAL WORKSHOPS TO OVER 36,000 PARTICIPANTS ON A VARIETY OF FINANCIAL SUBJECTS AT NO OR VERY LOW COST. SOME OF THESE WERE PERFORMED DURING THE OVER 1,000 HOURS DONATED BY ONE OR MORE OF OUR DEDICATED 34 VOLUNTEERS. THESE VARIETY OF PROGRAMS COVER MANY DIFFERENT TOPICS AND ARE PRESENTED TO GROUPS FROM KINDERGARTEN-AGED CHILDREN STRAIGHT THROUGH TO RETIREES AND ALL MATERIALS, WORKBOOKS AND HANDOUTS ARE PROVIDED. ANOTHER PART OF THE COMPANY PROVIDES TECHNICAL ASSISTANCE, SOFTWARE, FULFILLMENT, AND BACK OFFICE SUPPORT FOR THE COUNSELING OPERATIONS OF OTHER NON-PROFIT CREDIT AGENCIES. MMI HAS PARTNERED WITH MAPPING YOUR FUTURE, A NON PROFIT DEDICATED TO HELPING STUDENTS PLAN FOR HIGHER EDUCATION THROUGH ONLINE RESOURCES AND PERSON-TO-PERSON FINANCIAL COUNSELING. MMI CONTINUED TO EXPAND ITS REPRESENTATIVE PAYEE PROGRAM TO PROCESS PAYMENTS FOR THOSE CONSUMERS THAT NEED HELP MANAGING THEIR EXPENSES, ENDING THE YEAR WITH OVER 850 ENROLLED IN THE PROGRAM. PART III LINE 4C MMI HAD OVER 12,000 SESSIONS FOR CONSUMERS PRIOR TO THEIR FILING FOR BANKRUPTCY AND ANOTHER 9,145 DEBTORS PARTICIPATED ON PRE-DISCHARGE EDUCATION PROGRAMS. FORM 990, PART VI, SECTION B, LINE 11 THE BOARD OF DIRECTORS FOR MONEY MANAGEMENT INTERNATIONAL, INC. HAS ESTABLISHED AN AUDIT COMMITTEE WHICH REVIEWS ALL AUDITED FINANCIAL STATEMENTS AND TAX RETURNS.MMI'S 2014 FORM 990 AND RELATED SCHEDULES WERE MADE AVAILABLE TO THE FULL BOARD FOR THEIR REVIEW PRIOR TO FILING. FORM 990, PART VI, SECTION B, LINE 12C ALL DIRECTORS, OFFICERS AND KEY EMPLOYEES (EXECUTIVES) OF MMI ARE BOUND BY A CONFLICT OF INTEREST POLICY AND MUST COMPLETE A QUESTIONNAIRE ON AN ANNUAL BASIS DETAILING ANY OTHER INTERESTS. THE EXECUTIVE MUST UPDATE THE DISCLOSURE FORM SHOULD ANY MATERIAL CHANGES ARISE DURING THE COURSE OF THE YEAR. THESE FORMS ARE MAINTAINED WITH OTHER CORPORATE DOCUMENTS BY THE SECRETARY OF THE CORPORATION. FORM 990, PART VI, SECTION B, LINE 15 MMI HAS DEVELOPED AND IMPLEMENTED A COMPENSATION POLICY THAT ADHERES TO THE STANDARDS PROVIDED IN TREASURY REGULATIONS SECTION 53.4958-6. THE POLICY REQUIRES A COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS TO REVIEW AND APPROVE COMPENSATION FOR OFFICERS AND KEY EMPLOYEES;THAT THE COMMITTEE OBTAIN AND RELY UPON COMPARABILITY DATA AND VALUATION STUDIES PREPARED BY INDEPENDENT EXECUTIVE COMPENSATION EXPERTS; AND THE COMMITTEE CONTEMPORANEOUSLY DOCUMENTS ITS DELIBERATIONS AND DECISIONS IN WRITING. FORM 990, PART VI, SECTION C, LINE 19 MONEY MANAGMENT INTERNATIONAL INC., (MMI) COMPLIES WITH THE PUBLIC INSPECTION REQUIREMENTS OF IRC 6104 BY MAKING AVAILABLE TO THE PUBLIC ITS FORM 1023, APPLICATION FOR RECOGNITION OF EXEMPTION UNDER SECTION 501(C)(3) OF THE IRC, DETERMINATION LETTER FROM THE IRS AND FORMS 990 AND 990-T FOR ITS THREE MOST RECENTLY COMPLETED TAX PERIODS. IN ADDITION TO THIS INFORMATION, EVEN THOUGH IRC 6104 DOES NOT REQUIRE ORGANIZATIONS EXEMPT UNDER SECTION 501(C)(3) TO DISCLOSE THEIR GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICIES, OR FINANCIAL STATEMENTS, MMI HAS CHOSEN TO MAKE SUCH INFORMATION AVAILABLE FOR PUBLIC INSPECTION UPON REQUEST. FORM 990, PART XI, LINE 9: TRANSFER OF ASSETS/SECURITIES FROM AFFILIATES TO MMI 2,299,237. MMI HOUSING LLC 14141 SOUTHWEST FWY 1000 SUGAR LAND TX 77478 460985114 REAL ESTATE DE 2250000 MONEY MANAGEMENT INTERNATIONAL INC MME-SEMINOLE RIDGE INVESTMENT LLC 14141 SOUTHWEST FWY 1000 SUGAR LAND TX 77478 460984731 REAL ESTATE DE 92849 2180651 MONEY MANAGEMENT INTERNATIONAL INC CCCS OF SOUTHERN NEW ENGLAND INC 14141 SOUTHWEST FREEWAY 100 HOUSTON TX 77478 237230816 CREDIT COUNS MA 501(C)(3) 9 MMI INC 1 MMI FINANCIAL EDUCATION FOUNDATION 14141 SOUTHWEST FREEWAY 100 HOUSTON TX 77478 760691702 FIN. EDUC. TX 501(C)(3) 11, TYPE I MMI INC 1 MAPPING YOUR FUTURE INC 14141 SOUTHWEST FREEWAY 100 HOUSTON TX 77478 460458615 WEB BASED COLLEGE FINANCIAL LITERACY TX 501(C)(3) 11, TYPE I MMI INC 1 REVERSE MORTGAGE COUNSELING ASSOCIATION 14141 SOUTHWEST FWY STUITE 1000 SUGAR LAND TX 77478 262387390 COUN. SUPPORT DC C 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 1 CCCS OF SOUTHERN NEW ENGLAND INC P 322899 VALUE CCCS OF SOUTHERN NEW ENGLAND INC S 1772529 VALUE CONSUMER CREDIT COUNSELING SERVICE OF SOUTHERN NEW ENGLAND INC 14141 SOUTHWEST FWY 1000 HOUSTON TX 77478 237230816 0 0 0 0 0 0 0 0 0 0 MONEY MANAGEMENT INTERNATIONAL FINANCIAL EDUCATION FOUNDATION 14141 SOUTHWEST FWY 1000 HOUSTON TX 77478 760691702 0 0 0 0 0 0 0 0 0 0