DocuSign Envelope ID: 26C22B98-3CBE-451E-9444-B25395F987C3

GPDS

36500 Corporate Drive

Farmington Hills, MI 48331
Phone: (866) 476-7284
Fax: (855) 400-3713
08/09/2023 www.greenpath.com

Joseph Schival
2041 Burlington Cir
Williamstown, NJ 08094

Dear Joseph,
Congratulations on taking this life changing step to achieving financial wellness. Once you join the Debt
Management Program (DMP) you will be part of a community of people to help and encourage you along
the way. YOU ARE NOT ALONE! When joining the DMP, you will have access to additional tools and
resources available to make this partnership a success.

The client portal is available 24/7 to all of our debt management clients that have an email address! In
addition to offering an online chat feature, the portal will show your upcoming deposits, your estimated
balances, your proposal statuses, how many months you have until you reach the finish line, AND
MORE!
Our Financial Fitness Companion ™ tool is accessible through email to track your progress and to share
your thoughts with us.

We offer a private Facebook group, especially for you! If you have a Facebook account, search
“GreenPath Financial Wellness Friends”, or enter the following address into the address bar:
https://www.facebook.com/groups/GreenPathFriends/. Once confirmed, you can join hundreds of other
GreenPath clients as they share ideas, encouragement, questions and more… all in a private and
welcoming environment. This is just for you, as a GreenPath client.

Please review the following agreement outlining your DMP. After reviewing, please initial/sign at all of the
requested places, and return it to us. Once we receive your initialed/signed agreement, we can get started
working with you on achieving your goal to be debt free. As always, if you have any questions, please do
not hesitate to contact us.
Thank you for putting your trust in GreenPath. We look forward to being with you every step of the way
towards your financial wellness!

Sincerely,
Mary Martin

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AGREEMENT
CROA NOTICE

The following disclosure is being provided to you in accordance with the Credit Repair Organization
Act of 1996, as amended (the “Act”). Please note that GreenPath, Inc. does not consider itself a credit
repair organization, as defined in the Act. Please review this disclosure and sign it below to
acknowledge receiving a copy of the disclosure.

Consumer Credit File Rights Under State and Federal Law

You have the right to dispute inaccurate information in your credit report by contacting the credit bureau
directly. However, neither you nor any “credit repair” company or credit repair organization has the right to
have accurate, current and verifiable information removed from your credit report. The credit bureau must
remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information
can be reported for 10 years.

You have the right to obtain a copy of your credit report from a credit bureau. You may be charged a
reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a
rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau
must provide someone to help you interpret the information in your credit file. You are entitled to receive a free
copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you
are a recipient of public welfare assistance, or you have reason to believe that there is inaccurate information in
your credit report due to fraud.

You have the right to sue a credit repair organization that violates the Credit Repair Organization Act. This
law prohibits deceptive practices by credit repair organizations.

You have the right to cancel your contract with any credit repair organization for any reason within 3
business days from the date you signed it.

Credit bureaus are required to follow reasonable procedures to ensure that the information they report is
accurate. However, mistakes may occur.

You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your
credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete
information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of
all documents you have concerning an error should be given to the credit bureau.

If the credit bureau’s reinvestigation does not resolve the dispute to your satisfaction, you may send a brief
statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The
credit bureau must include a summary of your statement about disputed information with any report it issues
about you.

The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more
information contact:

The Public Reference Branch

Federal Trade Commission
Washington, D.C. 20580

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CROA NOTICE (continued)

I hereby acknowledge, as evidenced by my signature immediately following this paragraph, that I have read and
understand the above statutory Consumer Credit File Rights, which have been provided to me and I have read
these rights before any contract or agreement, including any Debt Management Agreement, between myself and
GreenPath, Inc. has been executed, as required under Title 15, Section 1679c(a) of the U.S. Code.

Joseph Schival PrimarySignature 8/9/2023

PrimarySignDate

Client Name Signature Date

FPSignature FPSignDate

Partner Name Signature Date

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NEW JERSEY DEBT MANAGEMENT AGREEMENT

The services of GreenPath, Inc. are financed through a combination of fees from our clients, grants, and voluntary contributions
from creditors who participate in Debt Management Plans (DMPs). Since creditors have a financial interest in being paid, most
are willing to make a contribution to help fund our organization. These contributions are usually calculated as a percentage of
payments you make through your DMP — up to 15 percent of each payment received. However, your accounts with your
creditors will always be credited with 100 percent of the amount you pay through us and we will work with all of your creditors
regardless of whether they contribute to our organization. If you see a discrepancy between our organization payment and the
amount posted on your statement, please bring it to our attention immediately and the matter will be promptly addressed. Our
DMPs are voluntary programs that serve a dual role of helping you repay your debts and helping creditors receive the money
owed to them.

I hereby retain GreenPath, Inc. to assist in the repayment of my debts. All associated attachments including Interview Summary,
Income Statement, Home Budget, and Debt List pages are incorporated herein as part of this agreement by reference. This
agreement becomes effective on the date that I sign it and make a payment to GreenPath, Inc.

My total debt included in my DMP is $24,378.00. This debt is comprised of $0.00 of non-consumer debt which includes
housing and utilities, $0.00 of fixed consumer debt which includes all loans and leases, and $24,378.00 of unsecured consumer
debt. Based on the information I have provided and the current creditor policies for assessing interest, it is estimated that it will
take 54 months to liquidate my unsecured debt of $24,378.00 and additional interest of approximately $4,672.28 for a total of
$29,050.28. This estimate assumes, but does not guarantee that I will receive concessions from those creditors that offer them.
1. The term of this agreement is 60 months and will terminate on 8/9/2028. Repayment schedules that require more than 60 months
to complete may be renewed at 60-month intervals or less.
2. I agree that any monies paid to GreenPath, Inc. are for the purpose of payment to my creditors. I will pay a one-time set up fee of
$0.00 for consultation, negotiations with my creditors, setting up my account and the like. I will pay a one-time fee of $0.00 to
purchase Credit When Credit Is Due. I will pay a fee of $52.04 per calendar month or any portion thereof as a service charge for
the maintenance of my debt management program including, but not limited to, the disbursement of payments to my creditors,
communicating with my creditors regarding the status of my account and making changes to my account as necessary to ensure
that is is administered in my best interest. The total of fees to be charged during the term of this agreement will not exceed
$3,122.40.
3. I agree to make deposits to GreenPath, Inc. in the following manner: My first deposit to GreenPath, Inc. will be paid on
8/10/2023 in the amount of $52.04. All future deposits will be as follows:

Deposit Amount Frequency/Description

$610.00 Monthly starting 8/20/2023
4. I understand that I may authorize GreenPath, Inc. to make automatic withdrawals from my checking or savings account. If I do
not choose this option, I agree to make all payments in the form of certified check, cashier's check, or money order.

5. I fully realize that it is my obligation to see that the agreed-upon deposit reaches GreenPath, Inc. in a timely manner. I understand
that if I do not consistently remit the specified amount at the specified times, my debt may not be reduced and this agreement
may be cancelled.
6. I agree that GreenPath, Inc. is not responsible for any delay in payments or missed payments to creditors caused by GreenPath,
Inc. not receiving the deposit as specified in Paragraph 3, regardless of the reason for that delay.

7. I have disclosed all credit/charge accounts and I am fully aware that the creditor(s) has the right to close the account(s). I agree to
destroy all credit cards associated with the lines of credit on the Debt List. I agree not to open additional credit accounts or make
new credit purchases while on the DMP without notifying GreenPath, Inc.

8. I understand that GreenPath, Inc., acting as my agent in negotiating arrangements with my creditors, is free to exercise its own
judgment in making such arrangements; may provide full financial information to creditors involved in the arrangements; and
shall not be responsible or liable for any action taken by my creditors. I understand that creditors may assess late fees and/or
increase interest rates if payments are not received in a timely manner.

9. I further understand that GreenPath, Inc. is subject to periodic review by governmental/regulatory agencies and third party
auditing, licensing, and accrediting organizations and that such reviews may entail inspection of client files and release of client
information. In addition, I understand that client information may be provided to third party suppliers and other third party
agencies, at the discretion of GreenPath, Inc., as deemed necessary in order to properly manage client accounts.

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10. I understand that either GreenPath, Inc. or I may cancel this agreement at any time upon written notice to the other party. In the
absence of written notice this agreement will remain in effect and monthly fees will continue to accrue. This agreement will be
canceled automatically if I fail to make a deposit within 60 days of my deposit due date as specified in paragraph 3. I understand
that my monthly maintenance fee will cease upon cancellation of this agreement.

11. I understand that I am entitled to a refund of all fees paid if I cancel this agreement within 3 business days of signing it. I
understand that I must provide written notice of my desire to cancel this agreement to GreenPath, Inc. by midnight of the fifth
business day.

12. I understand that GreenPath, Inc. may hold funds in my debt management account in order to disburse payments in my best
interest. I will review my statements from GreenPath, Inc. and statements from my creditors to see how my funds were
disbursed. I will contact GreenPath, Inc. with any questions.

13. I understand that many factors influence my credit report and credit score and I acknowledge that GreenPath, Inc. does not
represent or warrant that my credit score or worthiness will improve by entering into a DMP. I further acknowledge that creditor
concessions are all subject to individual creditor policies and that GreenPath, Inc. is not responsible for differences in creditor
policies and makes no guarantees regarding creditor concessions including payment, interest rate, fee, re-age or other concessions
that creditors may agree to.
14. I understand that the goal of the DMP is to assist me in developing creditworthy behavior and paying my debts which may result
in improved actual credit as a collateral consequence, rather than as a program objective. I further understand that GreenPath,
Inc. does not consider itself a Credit Repair Organization, as defined in the Credit Repair Organization Act of 1996, as amended.

15. I fully understand that this written agreement represents my entire agreement with GreenPath, Inc. I further understand that any
future agreements between GreenPath, Inc. and me will be of no effect unless such agreements are in writing and signed by a
duly authorized representative of GreenPath, Inc. and me.
16. I acknowledge that I have read this agreement completely, I understand it, and I have received a signed copy of this agreement.

You may cancel this contract without penalty or obligation at any time before midnight of the 3rd business day after the
date on which you signed the contract. See the attached Notice of Cancellation Form for an explanation of this right.

PrimarySignature
Joseph Schival 8/9/2023
PrimarySignDate
Client Name Signature Date
2041 Burlington Cir
Williamstown, NJ, 08094
Client's Address, City, State, Zip

GREENPATH, INC.

By: Mary Martin /s/ by Mary Martin on 08/09/2023

* Counselor's Signature
36500 Corporate Drive
Farmington Hills, MI, 48331
Address, City, State , Zip

*The Counselor’s electronic signature is legally binding and can be used to enforce this Agreement in any court of law of
competent jurisdiction. However, if you would prefer to have a copy of this Agreement with your counselor’s hand written
signature, please include a written request to that effect when you return a signed copy of this Agreement to GreenPath, Inc.

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Keys to a Successful Debt Management Program

Proposals: These are documents sent to your creditor(s) to request your new payment, interest rate, and other
concessions that may be offered.

What you'll need to know...

Your proposals are sent depending on when we receive your initial deposit, and when your ongoing deposit
schedule starts. Proposals are sent out as soon as possible, based on funds received.
Your creditor determines when the proposal is accepted. Typically, the proposal response time is 4-6 days, but
could be longer, depending on the creditor's review process.

Payments: These are the funds that typically go out to your creditors every month, following your deposit(s) to
GreenPath.

What you'll need to know...

Until your creditor accepts our proposal, it is suggested that you pay the difference between your minimum
payment and the proposed program payment. This is usually suggested if your accounts are current or if you would
prefer not to fall further behind.

*Example: Your regular minimum payment due is $75, and GreenPath is proposing and paying $50, you'd want
to send the $25 difference until your proposal is accepted.

Client Portal: This allows you 24/7 access online to your personal Debt Management Program and provides updates
on your program's success. Link: myportal.greenpath.com

Portal Features:
Check your debt balances, payment history, and scheduled payments/deposits
View your proposal statuses
Chat with our Client Success Team members
See how much longer until accounts are paid off
Review your tasks - information we need from you

*Note: We are here to help! You can always reach us by phone, too! 1-866-476-7284

PrimarySignature 8/9/2023
PrimarySignDate
Joseph Schival
Client Name Signature Date

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GREENPATH COUNSELING DISCLOSURE & PRIVACY POLICY

GreenPath has been helping people with financial problems since 1961. Our process is simple. We will do a budget analysis that will examine
your financial situation, discuss the factors that may be the cause of your problems, and explore your options for developing a reasonable plan
for dealing with them. GreenPath is a member of the National Foundation for Credit Counseling (NFCC). The NFCC has high standards for
quality credit counseling and financial education, and this agency complies with those standards. In addition, GreenPath is a HUD approved
housing counseling agency. We are accredited by the Council on Accreditation (COA), an independent third-party organization that reviews
and monitors entities that provide services to families. We are a non-profit agency that operates in accordance with Section 501(c)(3) of the
Internal Revenue Code.
Your privacy is important to us. We make certain that all information shared orally, electronically, and in writing will be managed
within legal and ethical considerations. We will not disclose any of your personal information to third parties without your consent.
We will take precautions to disclose information only to those who have a right to know. A copy of our entire privacy policy is
available upon request or can be accessed from our website.

Please read the following statements carefully so that you will understand the procedures for the counseling session.

. I understand GreenPath Financial Wellness (GreenPath) will provide a confidential financial assessment during which a qualified certified
credit counselor will complete the assessment. The counselor will review all action plans developed.
. I understand that I may accept or reject any part of the written assessment. The assessment may include the following options:
a) I will handle any financial concerns on my own.
b) I will choose to enroll in GreenPath’s Debt Management Plan (DMP). The DMP serves the dual role of helping you repay your
debts and helping creditors receive the monies owed to them.
c) My counselor may answer questions about bankruptcy, but not give legal advice. I will contact an attorney for legal advice. While an
attorney can make a recommendation to file bankruptcy, it is a personal choice based on individual circumstances. I will inform
GreenPath if I decide to file bankruptcy.
d) A counselor may refer me to other services as appropriate. These services may be able to assist with particular issues that have been
identified.
. GreenPath is approved by HUD to provide the following housing counseling services: mortgage delinquency/default resolution,
pre-purchase, rental, and reverse mortgage counseling. I understand that I am not obligated to receive, purchase or utilize any other
services offered by GreenPath in order to receive housing counseling services.
. GreenPath will not obtain a copy of my credit report without my consent.
. GreenPath will not inform any credit-reporting agency of my participation in the DMP. GreenPath has no responsibility or obligation for
any past, present, or future credit rating I receive. In certain circumstances, a DMP may negatively affect my credit rating. In the event
that the counselor suggests a DMP, I will receive complete details of the DMP, its requirements, and the responsibilities of GreenPath
and myself.

. I understand that a portion of GreenPath's funding comes from creditors participating in DMPs. Since creditors have a financial interest in
getting paid, some are willing to make a contribution to help fund GreenPath. These contributions are usually calculated as a percentage of
payments you make through your DMP, up to 15%. GreenPath will work with all creditors regardless of whether they contribute.

. All fees for services will be disclosed and payment methods agreed upon prior to delivery of services.
. I understand that if I have a concern regarding the services I have received, I may contact any member of the team with whom I am
working. A copy of the Customer Concern Process will be provided to me upon request, should it become necessary to file a formal
complaint. In addition, I reserve the right to file a complaint with the appropriate state authority.
. In the future, my information may be used for confidential research and/or accessed for quality assurance purposes. I understand that I
am not under any obligation to participate if contacted.

. Nothing herein shall apply to actions or claims under the provisions of the United States Bankruptcy Code, 11 U.S.C. Sec. 101 et seq.

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RELEASE: I hereby authorize GreenPath, Inc. to release non-public information it obtains about me to (1) my creditors
and (2) any third parties necessary to resolve the matter(s) discussed during my counseling session. I further release and
authorize all of my creditors to provide non-public information about me to GreenPath, Inc.

PrimarySignature 8/9/2023
Joseph Schival PrimarySignDate

Client Name Signature Date

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GreenPath, Inc.
Program Benefits for Joseph Schival

Benefits Summary
Total payments toward Unsecured Debts $547.00

Currently On The Program Your Benefits

Interest Charges $446.94 $154.17 $292.77
Late/Overlimit Charges $0.00 $0.00 $0.00
Service Fee $0.00 $52.04 ($52.04)
Principal Payment $152.10 $392.83 $240.73

All figures are estimates based on full on-time client deposits,specific debt information provided by the consumer,
and current known creditor policies. Creditor policies may change at any time.

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GreenPath, Inc.
Interview Summary

General Information:

Center Account Number Counselor Date

230 7890706 Mary Martin 8/9/2023

Date of Birth Gender SSN

Client: Joseph Schival 1/2/1950 Male XXX-XX-7662

Address Telephone: (609)270-7500

2041 Burlington Cir , Williamstown, NJ, 08094 Cell Phone:

Marital Status: Married Number in Household: 2 E-mail: [email protected]

Employment Information:

Client's Employer Occupation Work Phone

Financial Partners:

Indebtness Information as Disclosed by Client

Total Debt Owed: $175,433.00

Total Debt on DMP: $24,378.00 Estimated Interest: $4,672.28 Estimated Repayment: $29,050.28
Monthly Payout: $547.00

Budget Analysis Summary

Total Net Income: $5,204.00

Total Expenses: $4,686.00
DMP Monthly Fee: $52.04
Surplus/(Deficit): $465.96

Deposit Schedule:

Deposit Amount Frequency/Description

$610.00 Monthly starting 8/20/2023

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DEBT LIST

Center Client Account Number Date Page 1

230 7890706 09-Aug-2023

Brand Name: CAPITAL ONE Account ending in: 7427

Issuer Name: Capital One

Debt Type Current Payment Proposed Payment Balance Interest Rate Past Due
Credit Cards/Unsecured 242.00 198.00 8,786.00 22 0.00

Brand Name: US BANK Account ending in: 1044

Issuer Name: US Bank

Debt Type Current Payment Proposed Payment Balance Interest Rate Past Due
Credit Cards/Unsecured 204.00 136.00 6,795.00 22 0.00

Brand Name: TARGET/TD Account ending in: 6368

Issuer Name: Target

Debt Type Current Payment Proposed Payment Balance Interest Rate Past Due
Credit Cards/Unsecured 229.00 165.00 6,704.00 22 0.00

Brand Name: KOHLS/CAPONE Account ending in: 6974

Issuer Name: Kohls - Capital One

Debt Type Current Payment Proposed Payment Balance Interest Rate Past Due
Credit Cards/Unsecured 71.00 48.00 2,093.00 22 0.00

Total Debt:
Total Current PYMT Total Plan PYMT Total Balance Total Past Due Amount
$746.00 $547.00 $24,378.00 $0.00

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HOME BUDGET Page: 1

Center: 230 Acct Number: 7890706 Client Name: Joseph Schival Date: 09-Aug-2023

* Counselor Signature: /s/ by Mary Martin on 8/9/2023

*Please see the Electronic Signature clause near the Counselor's signature on the Agreement.

Payments to creditors not expected to participate in the DMP are included here within the Home Budget. Such
payments will not be included in your DMP and you will be responsible for them on your own.

CURRENT PROPOSED COUNSELOR

MONTHLY MONTHLY INSTRUCTIONS /
AMOUNT AMOUNT DOCUMENTATION
EXPENSE TYPE

Utilities - Water / Sewer 80.00 80.00

Utilities - Streaming Services 12.00 12.00 Hulu, Netflix
Utilities - Gas / Oil / Propane 80.00 80.00
Utilities - Garbage Collection 0.00 0.00
Utilities - Electric 100.00 100.00
Utilities - Cellular Phone 0.00 0.00
Utilities - Cable, Internet / Home Phone 300.00 300.00 including cell phones
Housing - Property Taxes (Ongoing) 0.00 0.00
Housing - Lot Rent 609.00 609.00
Credit Cards - Unsecured (SYNCB/JCP) 44.00 44.00
Credit Cards - Unsecured (SYNCB/LOW) 41.00 41.00
Credit Cards - Unsecured (BBY/CBNA) 29.00 29.00
Installment Loan - Personal Loan (FNB OMAHA) 409.00 409.00
Installment Loan - Personal Loan (WSLFRG NV 107.00 107.00
NA)
Auto Payment - Loan (GM FINANCIAL) 344.00 344.00 Creditor Name:GM FINANCIAL
Housing - Mortgage (MONROE SV BK) 1,068.00 1,068.00 Creditor Name:MONROE SV BK
Insurance - Homeowners / Renters 0.00 0.00
Miscellaneous Expense - Prescriptions 120.00 120.00
Clothing - Other 0.00 0.00
Entertainment - Other 0.00 0.00
Food - Dining Out 0.00 0.00
Food - Groceries 434.00 434.00
Insurance - Auto 0.00 0.00
Insurance - Health 220.00 220.00
Insurance - Life 0.00 0.00
Insurance - Other 0.00 0.00
Miscellaneous Expense - Doctor Visits 50.00 50.00
Miscellaneous Expense - Home Repairs and 0.00 0.00
Maintenance
Miscellaneous Expense - Personal Care 7.00 7.00
Miscellaneous Expense - Pet Care 0.00 0.00
Transportation - Gasoline 50.00 50.00
Transportation - Public Transportation 0.00 0.00

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Food - School/Work Lunches 0.00 0.00

Savings - Savings 25.00 25.00 Required Savings
Miscellaneous Expense - Discretionary Program 10.00 10.00
Funds
Child - Child Care 0.00 0.00
Child - Child Support 0.00 0.00

TOTAL 4,139.00 4,139.00

GreenPath, Inc. ensures that everyone has access to our services by providing convenient hours of operation, affordable fees,
barrier free locations and various methods of service delivery including in-person, telephone and internet counseling.

In-person counseling is available at our locations in the following states: California, Georgia, Idaho, Montana, Nebraska,
Nevada, Ohio, Oklahoma, Tennessee, Michigan, New York, Wisconsin, Indiana, Illinois, Arizona, Florida, Texas, New
Hampshire, Colorado and Wyoming Monday - Friday; hours vary by location. For customer service, please call (888)
776-6735.

GreenPath, Inc. services include, but are not limited to: Debt Management Plans, Budget Counseling, Housing Counseling,
Pre and Post Bankruptcy Counseling & Education, and Credit Report Reviews. Services and fees may vary in accordance
with your state's debt management laws.

If in the future you decide to file for bankruptcy, you will be required under federal bankruptcy law to receive
pre–bankruptcy credit counseling services from a nonprofit credit counseling agency that is approved by the United States
Trustee Program. GreenPath, Inc. is approved by the United States Trustee Program to provide pre–bankruptcy credit
counseling services. You may contact a federal bankruptcy court to obtain a list of credit counseling agencies that are
approved by the United States Trustee Program.

You have the right to accept or reject any services, recommendations, or referrals offered by GreenPath, Inc.

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Action Plan

Client Goals :
Debt : Reduce debt

Action Items:

Type
Housing:Treat housing as your highest priority - Prioritize mortgage above all other bills to secure housing.
Followed by your utilities, food, medications, and automobile.
Debt:Keep credit card balances low - It?s best not to carry a balance more 30% of your credit limit and pay your
balance off before the due date.
Debt:Obtain your free credit report from www.annualcreditreport.com or call 877-322-8228 - Review credit
report at least annually, to check for errors and to guard against identity theft.
Debt:The following debt(s) are not being handled through the Debt Management Program - WELLS FARGO,
FNB OMAHA, BEST BUY, LOWES, JC PENNY
Money Management:Use a budget to track and plan spending - Continue to document bills and spending in
Quicken Loan. This will help you prioritize bills, determine where money is going each month and if you have
any leaks in your spending habits.
Expectations
Expectation Timeline
You will have a primary counselor on your account. However, the GreenPath staff works as a team, Ongoing
so you can expect that any GreenPath team member will be ready to assist you when you contact
us. - Mary M. 248-699-5594
To avoid late fees or delinquency on your credit cards, you can pay the difference between the 3 Months
DMP payment amount and the required minimum until proposals are accepted. The proposal
acceptance period can vary by creditor.
To pay extra toward your DMP, please reach out to your Client Success Team. You can reach them Ongoing
through your MyGreenPath DMP portal or phone.
Additional Notes
Jospeh, you shared that your goal is to pay off debts with lower interest.
Recommendation is to pay off debts under Debt Management Program (DMP). We discussed the DMP as an
option, and the agreement is attached.

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Financial Options & Solutions

Option - Debt Management Program
Advantages
Reduced interest rates and fees result in quicker debt reduction, because more of the monthly payment is
applied towards the principal balance
Creditor collection calls typically cease after 2-3 months
Monthly payments on a DMP may be lower based on creditor policy
One monthly or semi-monthly deposit to GreenPath covers all payments (convenient)
Emphasis on financial education and decision-making skills
Avoid filing bankruptcy
Disadvantages
All credit card accounts must be closed - this will impact some credit scores because of the credit-limit to
credit-use ratio
Some creditors report to the credit bureaus that the account is managed by a credit counseling agency
Not a quick fix - concessions take 2-3 months to begin, and long-term success is contingent upon consistent
deposits and adherence to balanced budget
Does not legally stop a foreclosure process, wage garnishment, utility shut-off, repossession, or continuance of
lawsuit
Client relinquishes some control of important financial obligations
Lifestyle (i.e. spending) change is almost always required

Agreement: 963428
ClientInitial
Page 15 of 19 Client ID: 7890706

Initial
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INCOME STATEMENT

Account Number: 7890706 Page: 1

Client Name: Joseph Schival

Social Security Income

INCOME GROSS DEDUCTIONS NET

Frequency: Monthly Gross Pay Per Period: FICA: 0 Monthly Net:
0 FEDERAL: 0 2517
Fed Exempt: 0 STATE: 0

State Exempt: 0 CITY: 0

Gross Monthly: SUBTOTAL: 0.00

0
PAYROLL
DEDUCTIONS: 0.00

TOTAL: 0.00
PAYROLL DEDUCTIONS

Note:

Social Security Income

INCOME GROSS DEDUCTIONS NET

Frequency: Monthly Gross Pay Per Period: FICA: 0 Monthly Net:
0 FEDERAL: 0 779
Fed Exempt: 0 STATE: 0

State Exempt: 0 CITY: 0

Gross Monthly: SUBTOTAL: 0.00

0
PAYROLL
DEDUCTIONS: 0.00

TOTAL: 0.00
PAYROLL DEDUCTIONS

Note:

Agreement: 963428
ClientInitial
Page 16 of 19 Client ID: 7890706

Initial
DocuSign Envelope ID: 26C22B98-3CBE-451E-9444-B25395F987C3

Retirement Income Income

INCOME GROSS DEDUCTIONS NET

Frequency: Monthly Gross Pay Per Period: FICA: 0 Monthly Net:
0 FEDERAL: 0 1908
Fed Exempt: 0 STATE: 0

State Exempt: 0 CITY: 0

Gross Monthly: SUBTOTAL: 0.00

0
PAYROLL
DEDUCTIONS: 0.00

TOTAL: 0.00
PAYROLL DEDUCTIONS

Note:

Agreement: 963428
ClientInitial
Page 17 of 19 Client ID: 7890706

Initial
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Estimated Debt Liquidation

Based on the creditor concessions that we believe you will receive on a debt management program, the following
is an estimate of how long it will take to liquidate your unsecured consumer debts. Please note that this is only
an estimate. Creditor policies are subject to change without notice. The information provided is based on
certain assumptions including your eligibility for the best possible interest rate concessions from your creditors
and us receiving all of your deposits in full and on time. GreenPath, Inc. neither warrants the accuracy of the
information below nor accepts any liability for its use.

Charted Debt Starting Monthly Interest Liquidation Months to

Balance Payment Rate Date Liquidate
Unsecured

US BANK $6,795.00 $136.00 7.4% 2/9/2028 54

CAPITAL ONE $8,786.00 $198.00 9.9% 11/9/2027 51

KOHLS/CAPONE $2,093.00 $48.00 10% 7/9/2027 47

TARGET/TD $6,704.00 $165.00 4% 5/9/2027 45

Total $24,378.00 $547.00 $154.18 54

Agreement: 963428
ClientInitial
Page 18 of 19 Client ID: 7890706

Initial
DocuSign Envelope ID: 26C22B98-3CBE-451E-9444-B25395F987C3

ELECTRONIC FUNDS TRANSFER (EFT) AUTHORIZATION FORM

IMPORTANT INFORMATION
. To make changes to your deposit schedules please contact GreenPath by telephone at (866) 476-7284 at least
two (2) business days prior to the withdrawal date. You may also contact us via client portal, standard mail, or
fax at (855) 400-3713.
. Deposits that GreenPath received via Electronic Funds Transfer (EFT) clear after approximately four (4)
business days. Federal holidays extend deposit-clearing time frames. DMP transactions dated on a Saturday,
Sunday, or Federal holiday are processed on the next business day.
. By signing this form, your automatic withdrawals will be scheduled and will occur on the deposit dates shown
below. The initial deposit listed below will start your Debt Management Program.
. If GreenPath has disbursed funds to your creditors and you subsequently revoke this authorization you
authorize your bank to reimburse those funds to GreenPath from your account.

Your GreenPath deposit schedule will be as follows:

Deposit Amount Frequency/Description
$52.04 Once on or within 7 calendar days after 8/10/2023
$610.00 Monthly starting 8/20/2023

Client Name Name of Bank/Credit Union

Joseph Schival wells fargo
NameOfBankOrCreditUnion

Client I.D. 9-Digit Routing Number

031000503
BankRoutingNumber
7890706
Account Type (check one) Account Number

[ X
E_C ] Checking [ E_S ] Savings 1000153952952
BankAccountNumber

I hereby authorize GreenPath, Inc. to make withdrawals from the account identified at the bank/credit union listed
above and authorize this bank/Credit Union to charge such withdrawals. This authorization will remain in effect
until notice of termination is given to GreenPath.

SignatureOfAuthorizingParty 8/9/2023
Auth_Date

Signature Date

Agreement: 963428
ClientInitial
Page 19 of 19 Client ID: 7890706

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Do Not Return this page with your agreement.

NOTICE OF RIGHT TO CANCEL

(Keep this document until you are ready to close your program)

You may cancel this contract, without any penalty or obligation, at any time before midnight of the 3rd
business day which begins after the date the contract is signed by you.

To cancel this contract, mail or deliver a signed, dated copy of this cancellation notice, or any other written
notice to: GreenPath, Inc. at 36500 Corporate Drive, Farmington Hills, MI 48331.

I hereby cancel this transaction,

Print your name

Signature

Date

Agreement: 963428 Client ID: 7890706

DocuSign Envelope ID: 26C22B98-3CBE-451E-9444-B25395F987C3

Do Not Return this page with your agreement.

NOTICE OF RIGHT TO CANCEL

(Keep this document until you are ready to close your program)

You may cancel this contract, without any penalty or obligation, at any time before midnight of the 3rd
business day which begins after the date the contract is signed by you.

To cancel this contract, mail or deliver a signed, dated copy of this cancellation notice, or any other written
notice to: GreenPath, Inc. at 36500 Corporate Drive, Farmington Hills, MI 48331.

I hereby cancel this transaction,

Print your name

Signature

Date

Agreement: 963428 Client ID: 7890706

DocuSign Envelope ID: 26C22B98-3CBE-451E-9444-B25395F987C3

GREENPATH, INC. PRIVACY POLICY

We are GreenPath, Inc. d/b/a GreenPath Financial Wellness. We are a not-for-profit financial and credit counseling
agency. We empower people when it comes to managing their finances. We provide housing and credit counseling,
debt management programs and bankruptcy counseling, and other financial education.

This Privacy Policy explains how we collect, use, share and protect your information. It governs our website and other
digital platforms and other forms of our online activity that reference this Privacy Policy. Federal law gives consumers
the right to limit some but not all sharing of this information. Please read this notice carefully to understand what we
do. This Privacy Policy is part of our Terms of Use. If you do not agree to the practices in this Privacy Policy and our
Terms of Use, do not use our products or services.

“Personal Information” uniquely identifies you or can identify you by combining it with other data. It includes your
financial and account information, as well as email addresses, phone numbers and other information associated with
you. The legal name and definition of personal information differs from jurisdiction to jurisdiction.

Personal Information collected by financial institutions is also called “nonpublic personal information.” This includes
information provided by a consumer to a financial institution resulting from any transaction with the consumer, any
service performed for the consumer, or otherwise obtained by the financial institution.

What information do we collect?

The types of Personal Information we collect and share depend on the products or services you have with us. This
information may include:

• Name, postal address, telephone and email address

• Social security number
• Employment Information, income and assets income
• Credit history and credit scores
• Creditor names and addresses
• Creditor account numbers, balances, interest rates and payment history
• Banking information for use in processing payments
• Information about your transactions and educational programming with us
• Information we receive from your creditors
• Demographic information

When providing housing counseling, credit counseling or debt management services through face-to-face
conversations, telephone calls, and e-mail communications, we may request additional information. We may also
collect your Personal Information from credit bureaus, our affiliates, or other companies.

When you engage in transactions through our website, we collect information about those transactions, including the
amount and timing of payment and the nature of the goods and services involved.

When you visit our website, we collect other data that may not be Personal Information, such as your IP address, your
activity on the site, the websites you visited before and after our website, and the type of device you used to access
our site.

We do not provide services to or intentionally collect information from individuals under the age of 18.

How do we use your information?

We use your Personal Information to provide you with our products and services, complete transactions, communicate
with you, process data for internal administration, ensure data security, and prevent fraud.
DocuSign Envelope ID: 26C22B98-3CBE-451E-9444-B25395F987C3

We also use your information to better understand your needs and improve our products and services. Our employees
and agents may view or access your Personal Information if necessary for the performance of their duties or
obligations, consistent with our purposes and subject to this Privacy Policy.

If you conduct transactions through us, we use your payment information only for payment processing and do not
retain it for other purposes. We retain it only as long as necessary to complete the transactions or as otherwise legally
or contractually required.

We may also use your information to tell you about our other products and services. If you do not wish to receive
communications about our other products and services, you can opt-out by following the instructions in that
communication. You may continue to receive product or service-related emails unless you cancel the products or
services altogether.

We use information collected from visitors of our website and digital platforms to analyze their online behavior and
administer our site more effectively. Like many other websites, our site uses “cookies” to track activity within our site
and record the IP address of site visitors. A cookie is a small text file stored on your computer, so we recognize you
when you return to our site. A cookie or other analytics tools such as Google Analytics may also track information
regarding your activities and device, such as the site you just visited, which of our pages you visit, the type of device
accessing our site and the locale of the computer for that IP address. These tools provide us with aggregated data about
our website and digital platform visitors. You may be able to limit such tools through your browser settings, or for
Google Analytics, by downloading Google Analytics Opt-Out Browser Add-on. Such changes may affect your ability
to use some or all of our website or digital platforms.

Our website may contain web beacons (also known as “clear gifs”) or similar technologies that gather non-personally
identifiable information about your use of the product or website. Such technology may also be contained in e-mail
messages or newsletters from us that allow us to determine whether messages have been accessed. The purpose of
our use of this technology is so that we may analyze the effectiveness of our marketing efforts and the quality of the
website and product.
Apart from these ad-specific choices, there are “do not track” or similar browser choices available to online users, but
given the present lack of consensus of what constitutes an informed election, appropriate trigger or breadth of scope
of such choice, our website and product will not operate any differently when a “do not track” signal is received.

How do we protect your information?

We seek to use reasonable organizational, technical and administrative measures to protect your Personal Information.
Unfortunately, no system can be guaranteed to be secure at all times.

With whom do we share your information?

We do not share your Personal Information with third parties for marketing purposes. In the ordinary course of our
business we may share your Personal Information:

• With our employees who need your Personal Information to provide you with services, assistance or
communications in the course of their duties, and who are obligated to prevent against its unauthorized
disclosure.

• With our third-party vendors and service providers (such as cloud hosting, data management and payment
processing) where such sharing is necessary for us to optimize, secure, or deliver the Services to you.

• With your financial service providers and creditors such as banks, saving and loans, credit unions,
mortgage bankers, finance companies, and credit card issuers for housing and credit counseling, debt
management services, and bankruptcy counseling, as authorized by you. If you have authorized our
sharing of this information, you may stop sharing it by calling us at (844) 218-7490.

• With your financial institution or financial service provider who helps make our LearningLab+ educational
resources available to you. We share your LearningLab+ usage such as course completion and survey
DocuSign Envelope ID: 26C22B98-3CBE-451E-9444-B25395F987C3

responses with the financial institution or financial service provider that referred you to LearningLab+. If
you have authorized our sharing of this information, you may stop sharing it through your Profile Settings
or by calling us at (844) 218-7490.

• With our program partners and funders, such as your financial services company or our regulating agencies,
with whom we may also share individual information for program audit, evaluation and reporting.

• We may also share aggregated non-Personal Information with our program partners and funders, government
agencies, and in some cases your employer for program evaluation and reporting.

• With our affiliates (meaning entities controlled by, controlling or under common control with us). GreenPath,
Inc. is affiliated with Homeownership Preservation Foundation, Innovative Financial Solutions, LLC,
Consumer Credit Counseling Service of Delaware Valley d/b/a Clarifi, Rural Dynamics, Inc., Consumer
Credit Counseling Service of Puerto Rico, Inc., and GreenPath Innovation Design.

• When we have a good faith belief that disclosure is permitted by law or is reasonably necessary to: (1) comply
with a legal requirement or process, including, but not limited to, civil and criminal subpoenas, court orders
or other compulsory disclosures; (2) enforce this Privacy Policy or our Terms of Use; (3) respond to claims
of a violation of the rights of third parties; or (4) protect the rights, property, or safety of others or the public.

• As part of a business divestiture, sale, merger, or acquisition of all or a part of our business. If another
company acquires our company, business, or assets, that company will possess the Personal Information
collected by us and will assume the rights and obligations regarding your Personal Information as described
in this Privacy Policy. In the event of an insolvency, bankruptcy, or receivership, your Personal Information
may also be transferred as a business asset.

How do you correct and update your Personal Information?

You may contact GreenPath to review, update and correct your Personal Information by calling us at the number listed
below or by sending an email to [[email protected]].

Questions? Call (844) 218-7490 or go to www.greenpath.com

Last updated: May 30, 2023