1. Community and Employee Education David Phelps Vice President, Sales and Marketing Helvey and Associates, Inc.

2. Community and Employee Education Community education empowers people to address their needs and to help improve their lives and the lives of people in their community. Family and community involvements foster partnerships

3. What the ACA Believes The general tenor of the ACA is one of responsibility, coupled with satisfaction. On the one hand, most of our members feel it is their responsibility to give back to their local community and most are currently engaged in some type of charitable giving. While ACA members claim that altruism, especially “giving back to the community,” is the primary motivator for their business’s charitable giving, they recognize business interests, particularly generating goodwill within the community. Most ACA members support their employees when they give back to the community, whether they are supporting specific causes in which their employees are interested or that they are simply improving the community in which their employees live. The boost in employee morale helps with retention, productivity, etc. Contributing to the community gives the company a good name, which ultimately enhances opportunities for growth.

4. What our employees are saying “We are involved with causes undertaken by clients, which enhances public relations with our clients.” “The main benefit is that it builds brand loyalty. We give back to the community and build a strong loyalty base.” “We become better known in our community as a caring company, who cares about our community and its employees. The better known we are, the more support we generate for the things we need to do. “We are more than a business. We’re a part of the system of the community. It’s critical that we put something back into the community.”

5. Some examples of what do we do? ACA International / members – committed as an organization to promote consumer financial literacy via Ask Doctor Debt and the work of the ACA Education Foundation. National Credit Education Week Youth Financial Literacy Kits Free electronic Community Education Kits regarding consumer rights and money management basics Personal Financial Management Web Course—a free online money management training program available to consumers as a public service. ARMingHeroes – a non-profit focused on supporting military veterans facing debt collection. This group raises funds to provide financial support and also works with collectors on specific case by case scenarios. Many ACA member agencies are actively involved in their home communities, which takes place in many different ways and is driven by the distinct local focus of each agency. Helvey and Associates Holiday Program

6. Improving consumer financial literacy is important for developing a better working relationship between consumers, creditors, asset buyers, and debt collectors. By educating consumers about financial literacy and explaining their rights and obligations with respect to paying an existing financial obligation, the credit and collection industry is better able to serve the national economy.

7. What is Ask Doctor Debt? Ask Doctor Debt is a free and valuable confidential resource for consumers to help understand debt collection and their rights. Information about consumer rights Consumer-friendly tools and tips for budgeting and managing finances Mortgage calculators Credit card interest calculator Budget calculator A comprehensive Q&A section of consumer inquiries that provides information on topics related to debt collection &consumer rights The ability for consumers to ask questions that are answered by debt experts and posted to Ask Doctor Debt. A glossary of common terms used by creditors and debt collectors English and Spanish versions of all materials and website

8. National Credit Education Week Third week of April Part of National Financial Literacy Month All members are encouraged to build localized events, activities, contests to expand awareness Brochures Displays Training tools Take home financial literacy tools Media relations kits National fund raiser with matching $$ from ACA

9. Personal Financial Management Course Free Web based training Helps consumers with basic financial help Definitions of terms How to sections Budgeting tips and tools Saving ideas Etc.

10. What I Find Interesting Not what anyone outside of the industry expects Employees feel rewarded, customers surprised

11. What do you do?