INCHARGE DEBT SOLUTIONS COMPANY OVERVIEW & 2013 ANNUAL REPORT GET INSPIRED

INCHARGE DEBT SOLUTIONS COMPANY OVERVIEW & 2013 ANNUAL REPORT GET INSPIRED

INCHARGE: A RESPECTED NAME InCharge Debt Solutions is aredited by the Counil On Areditation (COA), an international, independent, nonprofit arediting organization. COA areditation signifies that InCharge maintains the highest standards as a nonprofit redit ounseling ageny. InCharge Debt Solutions has been a BBBaredited business sine 2002 and has earned a rating from the bureau as an A+ provider. This rating signifies that InCharge Debt Solutions meets BBB areditation standards, whih inlude a ommitment to resolving onsumer omplaints. As a HUD-approved housing ounseling ageny, InCharge Debt Solutions is part of the U.S. Government s efforts to reate strong, sustainable, inlusive ommunities and quality affordable homes for all. The Exeutive Offie for United States Trustees (EOUST) has approved InCharge Debt Solutions to issue ertifiates evidening ompletion of the Pre-Filing Bankrupty Courses Credit Counseling and the Pre-Disharge Debtor Eduation ourse. As a member of the National Foundation for Credit Counseling (NFCC), InCharge Debt Solutions is part of a nationally-reognized organization of nonprofit agenies with high standards, ethial praties, ertified ounselors, and poliies whih help onsumers ahieve finanial stability. Proud Member of: A Trusted Soure for the Media:

PRESIDENT S MESSAGE In 2013, we reognized the role inspiration plays in the lives of our staff and lients, and ramped up our efforts to inspire and be inspired. From helping our telephone ounselors onnet with allers, to sharing motivational messages in soial media, we are inspiring people to take the leap toward lasting finanial health. We aim to hange lives but realize that it takes more than a simple phone all, a new budget, and finanial literay eduation. It s about onnetion and momentum. Get Inspired is about believing that tomorrow an be a better day and doing what you need to do to make it so. This year, we ve inspired our Florida neighbors to onnet with grants and programs that make homeownership a reality. We ve provided Habitat for Humanity program partiipants with the finanial literay knowledge required to sustain a mortgage, but beyond that - we ve inspired a newfound onfidene and the pride that omes with alling oneself a homeowner. Sad stories are ommonly heard by our bankrupty ounselors: death in the family, medial issues, divore, long-term unemployment If anyone needs a dose of inspiration, it s our bankrupty lients, whih is why our team works hard to inspire hope and why all pre-disharge lients reeive a opy of the ebook, Life after Bankrupty. Our redit ounseling department worked hard this year to improve aess to our programs and servies, overhauling our website and lient management system to make them aessible anytime, anywhere, on any devie. As we move to a world where problems are solved on the go, InCharge is up to the hallenge. OTHER IMPORTANT ACCOMPLISHMENTS: Upgraded our phone system for more effetive ommuniation with ustomers and employees Produed and distributed 25,000 opies of Defending Your Home, a housing guide for the military Launhed Hometrek, an online homebuyer eduation ourse Grew our soial media footprint 15-fold, reahing a broader ommunity with finanial literay eduation and motivational messages Reahed over 150 eduators from 40 states with Teah Money, a train-the-trainer program designed to improve finanial literay eduation in the lassroom President & CEO

OUR SERVICES We strive to deliver the highest quality ounseling and eduational servies to onsumer groups inluding military families, students, teahers, employers and employees. BUDGET & CREDIT COUNSELING: Professional, ertified ounselors deliver individual advie on developing budgets, managing money, using redit wisely and building a savings plan. DEBT MANAGEMENT PROGRAMS (DMP): InCharge DMPs are a debt onsolidation alternative that onsolidates lient redit bills into one monthly payment and pays debt faster through lower interest rates. HOUSING COUNSELING: InCharge is approved by HUD to help onsumers with their housing needs. For forelosure lients, trained and ertified ounselors review the individual s situation and provide advie on available short- and long-term solutions. InCharge also provides homebuyer eduation that inludes pre-purhase eduation, training and assistane. BANKRUPTCY COUNSELING & EDUCATION: InCharge is approved to issue bankrupty ertifiates for Pre- File redit ounseling and the Pre-Disharge debtor eduation ourse. InCharge and its affiliates have provided over 1 million bankrupty ourse sessions sine 2006. FINANCIAL LITERACY EDUCATION: InCharge understands that there is no one size fits all path to finanial literay; programs are ustomized to the speifi needs of students, teahers, the military, debt-distressed and low-inome lients. InCharge teahes personal finane through in-person workshops, online ourses, webinars, printed and eletroni books, newsletters and through an extensive library of artiles and tools available on InCharge.org. INCHARGE 2013 FAST FACTS Web Visits... 1,134,200 17% MIDWEST Phone Calls (1st time Credit Counseling)... 40,683 39% SOUTH Budget/Credit Counseling Sessions... 44,534 21% WEST 23% NORTHEAST FEES FOR 59% SERVICE 41% CREDITOR AND GRANTS Bankrupty Sessions...71,102 CONTRIBUTIONS Housing Counseling Sessions...8,618 Counseling Programs Split 86% CREDIT COUNSELING 9% BANKRUPTCY 4% HOUSING 1% OTHER Client Servie by Region 21% WEST 15% 23% 70% COUNSELOR/CLIENT SERVICES NORTHEAST & PROGRAM SUPPORT 17% MIDWEST 5% 39% EDUCATION & OUTREACH SOUTH ADMINISTRATIVE 10% HARD/SOFTWARE SUPPORT ST 39% SOUTH Community Workshops/Seminars...120 59% FEES FOR Attendees Eduated SERVICE (workshops/seminars)...3000 Military Transition Guidebooks (printed) distributed... 25,000 Total Number Of ebooks Downloaded...5,408 COUNSELING Credit Card Debt Repaid by InCharge Clients...$123,136,325 41% CREDITOR CONTRIBUTIONS AND GRANTS 86% CREDIT 9% BANKRUPTCY 4% HOUSING 1% OTHER Employee Funtion Split 21% WEST 15% 23% 70% COUNSELOR/CLIENT SERVICES & NORTHEAST PROGRAM SUPPORT 17% MIDWEST 5% 39% EDUCATION & OUTREACH SOUTH ADMINISTRATIVE 10% HARD/SOFTWARE SUPPORT Funding Soures FEES FOR 59% SERVICE 41% CREDITOR CONTRIBUTIONS AND GRANTS 86% CREDIT COUNSELING

CLIENT DEMOGRAPHICS 43 % MARRIED 33 % AGE 23-32 66 % FEMALE 37 % COLLEGE DEGREE OUR MOST LIKELY CLIENT Is a FEMALE between 23-32 who is MARRIED with A COLLEGE DEGREE and who RENTS her residene 46 % RENTS CLIENT AGE: 23-32...33% 33-42...26% 43-52...19% 53-62...11% 63+... 7% 18-22... 4% CLIENT MARITAL STATUS: Married...43% Single...39% Sep./Div...16% Widowed... 2% CLIENT EMAIL ACCESS: Yes...96% No... 4% CLIENT GENDER: Female...66% Male...34% INCOME VS CREDIT CARD DEBT AVERAGE INCOME $36,170 DEBT % OF INCOME 51 % DEBT AVERAGE CC DEBT $18,550 CLIENT DEBT CAUSE: Poor Money Management...44% Redued Inome... 41% Medial Expenses... 7% Divore/Separation... 7% Death in Family... 1% CLIENT EDUCATION: BA/BS/M/Ph.D... 37% Some College/Still Student... 31% Some Shool/H.S...29% Teh./Other/Unknown... 3% CLIENT HOUSING: Rent...46% Own...40% Live with Friends/Family...14%

This workshop really made me think. I learned the importane of budgeting and why I should pay off my loans quikly. I also loved the opportunity to see what perent of my monthly inome should go to ertain expenses. Ashley INCHARGE FINANCIAL LITERACY INITIATIVES InCharge Debt Solutions, along with affiliate InCharge Eduation Foundation, is ommitted to the development and deployment of a wide range of eduational resoures to foster finanial literay among target onsumer groups. Finanial literay workshops are onduted in partnership with many organizations. In 2013, InCharge partiipated in over 120 ommunity workshops and onferenes, touhing more than 3000 people. SCHOOLS TEACH MONEY InCharge s Teah Money is a program designed to provide finanial literay eduation to future teahers. In-lass workshops prepare the next generation of teahers to inlude appropriate finanial literay ontent into their urriulum, as well as firm up their own finanial onfidene and ompetene. Finanial Literay Workshops for AVID Welome to Be InCharge of Your Future, an in-person workshop series designed for Central Florida eighth grade AVID students. In our workshops, we plant seeds. This is how you get a job in high shool. This is how to open a no-fee bank aount. This is what you ould save, if you tried. This is what ollege osts. This is how you set finanial goals. Eighth grade is the right time to start ollege pre-planning. Be InCharge is about putting a plan together, asking important questions and getting students and families exited about the future. Through interative workshops, we enourage students to ompare ollege osts, researh sholarship opportunities, learn the differene between loans and grants, and put a plan in plae to not just attend ollege, but afford ollege. Workshop Topis Inlude: Paying for College Your First Job Bank Aounts and Credit Cards Budgeting & Money for Your Life Learn Money AVID Flyer Deades of College Dreams Beause telling our hildren to go to ollege is not enough. We have to show them how to do it, without taking out a life sentene in loans. Florida s ollege drop-out rate: 45 % Number one reason: Cost LEARN MONEY CELL PHONE ECONOMICS SECTION 1 - COMPARISON SHOPPING PLAN A 2-year ontrat Phone Cost: $199.00 700 mins per month w/unlimited Nights & Weekends: $39.00/mo. Unlimited Texting: $15.00/month 1 time Ativation Fee: $36.00 Unlimited Data Plan: $30.00/month Phone features: Smart phone, amera TOTAL COST FOR THE 1ST YEAR: TOTAL COST FOR THE 2ND YEAR: PLAN C Pay as you go Phone ost: $19.99 $10.00 for every 100 minutes 5 ents for eah inoming & outgoing text msg. Phone features: Talk and text only No amera TOTAL COST FOR THE 1ST YEAR: TOTAL COST FOR THE 2ND YEAR: PLAN B 2-Year ontrat Phone Cost: Free Unlimited Text & Talk: $59.00/month Data: $29.00/month 1 time Ativation Fee: $0.00 Phone features: Smart phone, amera TOTAL COST FOR THE 1ST YEAR: TOTAL COST FOR THE 2ND YEAR: PLAN D Pay as you go Phone ost: $399.00 Ativation fee: $0.00 Monthly Fee: $45.00 Unlimited talk, text and data Phone features: Smart phone, amera TOTAL COST FOR THE 1ST YEAR: TOTAL COST FOR THE 2ND YEAR: SECTION 2 NEEDS VS WANTS Teah Money: Cell Phone Eonomis Worksheet CELLPHONE FEATURES NEED WANT Talk Low texting Moderate texting Unlimited texting Data plan InCharge supports Florida s Orange County Publi Camera Shools by providing free International alling GPS Learn Money finanial literay workshops to eighth grade students in the App ompatible MP3 player AVID program (Advanement Via Individual Determination) that teah finanial pre-planning for ollege. Topis inlude: paying for ollege, your first job, bank INCHARGE.ORG 1 aounts and redit ards, budgeting and money to fuel your dreams. About InCharge Debt Solutions: InCharge Debt Solutions is a 501()(3) nonprofit organization based in

COMMUNITY MILITARY DEFENDING YOUR HOME InCharge and Military Money published and distributed 25,000 printed opies of Defending Your Home. Owning a home has long been the Amerian Dream, but with frequent moves and deployment, is this dream attainable for the military? What about VA loans? How an a servie member protet his or her home from forelosure ation while deployed? These and more questions are answered in this guide, whih provides helpful tips, real-life examples and a robust resoures guide for those needing more information. InCharge Members at Habitat For Humanity Projet HABITAT FOR HUMANITY InCharge leads Finanial Literay Workshops for Habitat for Humanity. This 10-part workshop series helps home reipients through eduation on goal-setting, budgeting and the finanial responsibilities of homeownership. Defending Your Home INCHARGE FINANCIAL LITERACY AFFILIATIONS Goodwill of Central Florida Amerian Legion SunTrust Bank of Ameria Fairwinds Credit Union Habitat for Humanity Lighthouse of Central Florida Polk Works Center University of Florida Military (Ft. Bragg, Ft. Knox) Jump$tart (Florida and National Coalitions) Navy-Marine Corps Relief Soiety Orange County Publi Shool Distrit Congressional Offies Ally Finanial Wells Fargo Bank, N.A. University of Central Florida ORGANIZATION MEMBERSHIPS Downtown Orlando Partnership Rollins College Philanthropi & Nonprofit Leadership Center Florida Prosperity Partnership West Orange Chamber of Commere Hispani Chamber of Commere Better Business Bureau Orlando Regional Chamber of Commere INCHARGE GETS SOCIAL In 2013, InCharge stepped up its efforts in soial media, growing Faebook followers 15-fold. Through soial media, InCharge s finanial literay and inspirational ontent is now reahing 1.5 million people a day. InCharge is also ative on Twitter, Pinterest, Instagram, Google+ and Foursquare.

A friend on your program told me about InCharge and it has hanged my life! I had over $20k in redit ard debt, and in a little over 4 years, it is ALL paid off. I ould have NEVER done this without your help. I tell everyone I know! Sophie BUDGET AND CREDIT COUNSELING Debt-Burdened Consumers Need a Reliable Counseling Partner They Can Trust InCharge Debt Solutions is ommitted to providing high quality, unbiased, professional and free ounseling to people trying to weather the high-debt storm. InCharge ounselors and ustomer support staff make up over 80% of our employees. Counselors are ertified, experiened and arefully trained and monitored. Budget and redit ounseling is the first step for debt-burdened individuals and families toward getting relief and getting their life bak on trak.

INCHARGE INTERACTED WITH OVER 1 MILLION PEOPLE IN 2013. InCharge lients paid bak more than $123 million in redit ard debt in 2013 alone. InCharge websites drew over 1.1 million visits and ounselors fielded more than 40,000 phone alls. 80% of the InCharge team work in ounseling, lient servies or program support. In 2013, we ontinued to improve and expand lient servies to improve the quality of the ustomer experiene. The ertified ounseling team ompleted over 44,000 sessions. INCHARGE INNOVATIONS IN 2013 NEW CLIENT MANAGEMENT TOOL MOBILE WEBSITE NEW WEBSITE DESIGN INCHARGE MEETS TRUST REQUIREMENTS: Areditation by third-party organizations (COA, BBB A+) Certified redit ounselors Nonprofit 501()(3) Reasonable fees Comprehensive ounseling; lient learns about all available options and makes hoie on best option for their situation CREDIT COUNSELING FEATURES: Phone, fae-to-fae and 24/7 web-based onsumer redit ounseling Mobile website for smart phone lients English and Spanish language websites with live hat Counseling in Spanish and English Free redit ounseling and budget development BENEFITS: Pay off debt faster Do on their own time shedule Lowered monthly payments Redued interest rates Waived late or over-limit fees Eduate lient about - and offer - alternate solutions Provide Debt Management Programs (DMPs) Advaned online redit ounseling program Vast eduational resoures to help lient learn for life Colletion alls redued Learn how to re-establish redit Use eduational resoures or get ounseling in preferred language Aess by PC, land phone, mobile devie or in-person

I ve been approved for the loan modifiation. I m on loud nine! The new mortgage payment is within what I an afford. You have no idea what an important part you played in helping me stay strong and ontinue fighting for what I wanted. Thank you from the very bottom of my heart for all your wise ounsel and your extraordinary kindness. Roberta HOUSING COUNSELING & EDUCATION In 2013, we were ommitted to assisting families and rebuilding ommunities. HOMEBUYER EDUCATION: Through eduation, families purhase homes they an afford to buy and maintain, resulting in long-term suessful ownership. InCharge s 8-hour Homebuyer Eduation Program is designed to set the right home ownership expetation for lass partiipants and provide them with the tools, knowledge and resoures to buy right, and maintain their home. HOMETREK: To improve aess to pre-purhase eduation, InCharge launhed Hometrek, an online HUD-approved homebuyer eduation ourse. Sine its launh in Marh 2013, 3,464 students have ompleted the pre-purhase homebuyer eduation ourse. FORECLOSURE PREVENTION: InCharge worked with over 10,900 homeowners in desperate need of alternative solutions to forelosure. InCharge ounselors stayed urrent on all available options, onduted publi outreah ampaigns, researhed loal trends and supported loal forelosure intervention efforts. PRE-PURCHASE COUNSELING: InCharge s Certified Housing Counselors have been trained to provide potential borrowers with omprehensive one-on-one ounseling that overomes hallenges that might bar them from homeownership. Eah family is guided through the development of a solid budget and savings strategy; omplete review of their redit report, and reation of a ustomized ation plan with speifi, manageable steps. Are you unemployed? Se Habla Español Nonprofit NEED HELP WITH YOUR MORTGAGE PAYMENT? ACT NOW TO TAKE CONTROL OF YOUR HOME AND FINANCES Are you underemployed? Are you onsidering a short sale? Have you failed to obtain a loan modifiation? Are you having hallenges renegotiating the terms of your mortgage with your lender? Register for our Free Forelosure Prevention Workshop. Call 1-877-251-1882 Forelosure Prevention Flyer

AFFILIATION AND PARTNERSHIP INITIATIVES: PRINCIPAL REDUCTION PROGRAM: Florida Housing Finane Corporation administered the roll out of this program in September 2013. The program is designed to provide eligible homeowners with up to 50k to redue their prinipal balane. InCharge was one of many HUD approved agenies hosen to assist borrowers in determining their eligibility for this program. WELLS FARGO & NEIGHBORWORKS AMERICA: InCharge was seleted as the lead ageny partnering with Wells Fargo and NeighborWorks Ameria to failitate the Orlando NeighborhoodLIFT program. This Down Payment Assistane (DPA) program, funded by the Wells Fargo Foundation, is designed to provide potential borrowers, purhasing in the ity of Orlando, with up to $25,000 in funds. NEIGHBORHOODLIFT: In 2013, we helped over 400 home buyers determine their eligibility for up to $25,000 in Down Payment Assistane. More than half were suessful in ahieving home ownership through this generous program. HABITAT FOR HUMANITY: InCharge supports the H4H mission by providing eduation and housing resoures to Habitat borrowers. Our mutual objetive is to help very low and low inome persons aquire and maintain a habitat in a safe ommunity/environment. FREDDIE MAC: InCharge served as the sole failitator for the Borrower Help Network, providing assistane to Freddie Ma ustomers faing ertain or imminent default on their homes. InCharge met the hallenge of not only identifying forelosure prevention alternatives for Freddie Ma home owners, but also onduting ounseling sessions to address total finanial well-being. INCHARGE SINCERELY APPRECIATES THE SUPPORT & PARTNERSHIPS OF THE FOLLOWING ORGANIZATIONS: Bank of Ameria Community Legal Aid Servies Countless Real Estate Professionals & Mortgage Brokers D.R. Horton Experian Fifth Third Bank Freddie Ma Genworth Mortgage Insurane Radian Private Mortgage Insurane SunTrust J.P. Morgan Chase

Hello. We are writing to tell you we firmly believe that your ourses should be offered in EVERY high shool aross the nation. (It should be) A requirement before being able to graduate. We both found all of the information inredibly helpful, espeially the pre-disharge ourse we just ompleted. Jason & Yvonne BANKRUPTCY COUNSELING & EDUCATION As a nonprofit 501()(3) organization, InCharge Debt Solutions offers the required pre-file redit ounseling and pre-disharge ourse for a nominal fee. InCharge knows that sometimes bankrupty is the best or only option available to those struggling with debt problems. For lients onsidering bankrupty, InCharge offers a wealth of information in the form of many insightful artiles about the law, the short- and long-term ramifiations of bankrupty, what rights lients have, et. For lients who are going through bankrupty, InCharge has been approved to issue ertifiates evidening ompletion of the Pre-Filing Credit Counseling and the Pre-Disharge Debtor Eduation ourse in ompliane with the Bankrupty Code (approval does not endorse or assure the quality of a Provider s servies).

NEW LOWER PRICING InCharge is proud to introdue new lower priing for Pre-File Credit Counseling (now $25) and Pre-Disharge Debtor Eduation (now $15). We reated a new Attorney Referral list, whih helps onnet lients with attorneys in their area. Pre-Disharge Debtor Eduation has been improved to enhane the user experiene. Attorney Management system provides realtime aess to lient data via personal online dashboard. Chek lient status, view invoies, or print ourse ertifiates. Se Habla Español Nonprofit $ 25 Online Pre-Filing Credit Counseling Bankrupty Counseling $ 15 Online Pre-Disharge Debtor Eduation Why Choose InCharge? Same prie for single & joint filers Online (with live hat) or phone sessions (English or Spanish) Immediate ounseling by ertified staff all U.S.-based FREE e-book upon ompletion of Pre-Disharge ourse Over 1 million ourses provided Pre-File Credit Counseling and Pre-Disharge Debtor Eduation available at PersonalFinaneEduation.om OR 877-300-4188 Improved PersonalFinaneEduation.om Website InCharge Bankrupty Postard PROGRAM FEATURES: Offer both Pre-Filing & Pre-Disharge required ourses Instant ertifiate delivery Online ourses available 24/7 Telephone ourses in English and Spanish Attorney Management System Online hat mode Free eduational resoures along with free ebook and omputer game upon ourse ompletion CLIENT/ATTORNEY BENEFITS: Single soure for both required ourses Keeps filing on shedule to eliminate paying for re-file fees Clients an omplete at their onveniene Clients reeive servie in preferred language Attorney module automates ertifiate delivery, invoiing and billing Clients learn how to start anew after bankrupty Clients an hat with ounselors as they work through online ourses Attorney Referral Program available Free Credit Booster ebook

WHAT OUR CLIENTS SAY... This morning I alled and set up my final payment! I had well over 10k in redit ard debt from when I was out of work. Enrolled in 2007 and now I m done! Without them, it would have taken lose to 50 years due to the extremely high APRs. Thank you InCharge for giving me peae of mind and eduating me along the away! FROM: TRACY I just want to thank you guys so muh for helping me pay off my debt in less than three years! Very easy set up, very fair monthly fee and an exeptionally helpful, respetful and ourteous staff every time I have alled. I am now able to start my new year with one less bill, and I ouldn t be happier. I reommend your ompany to everyone that I know. Thank you again for all of your help!!!! FROM: DINA Wow! I an t tell you how thrilled I am that the debt that weighed me down, stressed me out, and depressed me is paid in full! Thank you for giving me my life bak. FROM: JUDY Thank you to everyone at InCharge! I just made the final payment! My wife and I paid off $59,266.23 in 5 years and we are now debt free exept for our home. It would have taken me 47 years to do it on my own. No really, I did the math, 47 years. FROM: LANS THIS IS A WONDERFUL PROGRAM. I HIGHLY RECOMMEND IT!!! -Linda

INCHARGE DEBT SOLUTIONS BOARD OF TRUSTEES Rihard Anderson, Ph.D. Chairman of the Board Business Consultant Robert Ruiz, Esq. State of Illinois Workers Compensation Committee Veronia Whitelaw Consumer Credit Exeutive (Retired) Dr. Joseph Chavez President, National Housing Advisory Group, LLC. Peter Kennedy Prinipal, PRM Consulting Group Lonnie M. Ritzer, Esq. Partner, Shapiro Sher Guinot & Sandler Kristen Soles Watkins Meegan, CPA Maxine Sweet Vie President of Corporate Relations Experian North Ameria Patriia A. Wexler Senior Vie President of External Communiations JP Morgan Chase Offiers: Etta W. Money, President & CEO William R. Malseed, Treasurer Jodi L. MGregor, Seretary Rihard Anderson Dr. Joseph Chavez Peter Kennedy Jodi MGregor William Malseed Lonnie Ritzer Robert Ruiz Kristen Soles Maxine Sweet Patriia Wexler Veronia Whitelaw INCHARGE EDUCATION FOUNDATION BOARD OF TRUSTEES Rihard Anderson, Ph.D. Business Consultant Lonnie M. Ritzer, Esq. Partner, Shapiro Sher Guinot & Sandler Offiers William R. Malseed, President Etta W. Money, Treasurer Jodi L. MGregor, Seretary Etta Money President & CEO of InCharge Debt Solutions

InCharge BY THE NUMBERS. Number of workshops and seminars onduted 120 in 2013. 5 Number of organizations or agenies that aredit, rate, or issue regulatory approval to InCharge Debt Solutions (NFCC, COA, BBB, HUD, EOUST). 3,000 Number of attendees at InCharge finanial literay, housing and other workshops in 2013. 44,534 Number of redit ounseling sessions delivered by InCharge to its lients in 2013. 71,102 Number of bankrupty ounseling and eduation sessions ompleted by InCharge lients in 2013. 9,401,896 Number of lient payments proessed sine 1997. 2,678,210,397 Amount of total debt our lients have repaid sine 1997. 365NUMBER OF DAYS IN THE YEAR WE CARE ABOUT OUR CLIENTS!