The NPCL Financial Empowerment Program

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The NPCL Financial Empowerment Program

• Presented by
• The National Partnership for Community Leadership

Strengthening Organizations to Serve People and
Communities
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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

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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) not
  a problem
• Tools that make sure any natural Disaster is not
  a financial disaster
• The NPCLCard Better than Cash and Checks Program

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Financial Literacy

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

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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

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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

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Financial Literacy Budgeting Taxes

• Realistic Budgeting
• Personal Money Management
• Making Financial Decisions
• EITC (Earned Income Tax Credit)

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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

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Saving Investing

• Reading Financial Statements
• Savings Fitness
• Investment Risks
• Financial Security in Later Life
• Federally Insured savings

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Privacy, Fraud and Scams

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

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Starting a Small Business

• Basic Business Plan
• Applying for a Loan
• Buying a Franchise
• Financing Basics

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Introducing the NPCLCardStored Value and Debit
Card Empowerment Services
The Debit Card that Powers Payments and Empowers
Cardholders
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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.

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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.

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To Work and Prosper in Todays Economy, Citizens
Need Debit Cards

• Your NPCLCard makes conventional paper checks
  obsolete. Heres 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 cant 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

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NPCLCard Advantages

• Easy to Get, Easy to Use
• You dont 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

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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.

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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

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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

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NPCLCard Advantages

• We Deliver Advanced Information Technology for
  the People
• Card administration services
• System can be customized to groups needs
• 100 coverage
• bank backed but users dont 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

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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 [phone]
• Web www.npcl.org
• Email npclcard_at_npcl.org