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      <OfficerDirectorTrusteeEmplGrp>
        <PersonNm>Todd Romer</PersonNm>
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        <PersonNm>Aurora Talavera</PersonNm>
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        <PersonNm>Alberto Duarte</PersonNm>
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      <DiscriminateRaceAdmissPlcyInd>false</DiscriminateRaceAdmissPlcyInd>
      <DiscriminateRaceEmplmFcultyInd>false</DiscriminateRaceEmplmFcultyInd>
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        <FormAndLineReferenceDesc>Record maintenances (Questions 4a, 4b, 4c or 4d)</FormAndLineReferenceDesc>
        <ExplanationTxt>123 Credit Counselors is a 501(c)(3) nonprofit credit-counseling organization that does not operate as a school or other institution that solicits or enrolls students for instruction. Because the organization does not maintain or publicize student enrollment or registration programs, it has not posted a racially nondiscriminatory policy in the manner described in Question 3.Nevertheless, 123 Credit Counselors maintains and enforces a written equal-opportunity and nondiscrimination policy applicable to all clients, employees, and partners. All services are offered without discrimination on the basis of race, color, national origin, gender, religion, age, disability, or any other protected classification, in full compliance with federal and state laws governing charitable organizations.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Description of other assets Part II line 24</FormAndLineReferenceDesc>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Description of total liabilities Part II line 26</FormAndLineReferenceDesc>
        <ExplanationTxt>Category Beginning of Year End of YearLoan Payable 64,000 84,000</ExplanationTxt>
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