We would like to thank the many Banks who have committed hundreds of millions to billions of dollars to help create hope and uplift the citizens in Underserved communities to improve their economic status. Our goal is to teach and help one citizen, one student, and one employee at a time build a better financial future. This would include building 'Paths to Homeownership and Self-Sufficiency'. We provide basic fundamental financial literacy knowledge of many concepts of the complex worlds of money, credit, and finance.

The ‘STFF HOPE PROCESS’ is an excellent supplemental investment resource solution for banks that are committed to helping and uplifting ‘Underserved’ communities with Inequity and Diversity programs. These programs provide people with the feeling they have not forgotten and are included in society's plans for the future. Once our solution is implemented it provides them with immediate positive measurable feedback so they will stay on course toward financial success. Your programs are ambitiously uplifting lives, increasing homeownership, and helping new entrepreneurs build stronger community foundations. At the same time, these programs are reducing the probability of people having future housing, food, and financial insecurities.

The NFEC conducted a survey that concluded financial illiteracy costs 254 million. We must find a way to put this money back into their pockets for their financial success and to grow the economy. Statistics state that 69% of Americans are living paycheck to paycheck, more than likely because they have a lack of or inadequate financial literacy knowledge. In these challenging times inflation, high credit card debt, and shrink-flation people are really struggling financially. American credit card debt has reached over $1.13 trillion and $120 billion in interest and fee payments. This creates enormous amounts of financial stress in their lives and causes many health concerns. Only 57% of Americans have basic financial literacy and over 60% are living paycheck to paycheck creating a unique set of financial challenges. Inflation, rising interest rates, and prices are putting folks behind on their bills, and mortgage payments, and many are headed into foreclosure.

Our goal is to find a way to help them put this annual $436 billion back into their pockets. I'm sure your bank’s mortgage lending and risk-management departments would appreciate this book course because it increases the borrower's financial literacy IQ allowing them to make better financial decisions. This protects your investment of hundreds of millions to billions of dollars dedicated in an effort to uplift these clients' first-time mortgages and other loans. The 'STFF HOPE PROCESS' will increase their overall repayment success rate by minimizing the probability of default. 

The 'STFF HOPE PROCESS' is a cost-effective investment solution with sustainable positive results. It offers both you and your clients a huge Return On Investment in people than any of those other special lower down payment mortgages and special interest rate programs. It offers them the 'Gift' of increased financial literacy for building much more secure financial futures. Our Solution’s forecast supplemental benefits have the potential to increase your bank’s future fee-based service revenues and customer deposits by billions of dollars.

Money on a desk

This investment allows your Bank to cultivate a whole new breed of more financially savvy customers to build long-term future bank relationships. The solution will teach them how to put tens of thousands if not hundreds of thousands of dollars back into their pockets. What better way to cultivate, grow, and ensure your Bank's future fee-based revenue streams for these clients' hundreds of millions to tens of billions of dollars in new deposits, mortgages, loans, CDs, and fee-based investment services? So, let’s make an investment to put them on the path of self-sufficiency and financial success.

Those Entrepreneurs starting a new business and receiving business loans introduced to this book course will learn and benefit from this invaluable information. This will increase the success rate of these new businesses. Banks who are serious about uplifting the Underserved and putting money into local communities may want to start by raising the clients' financial literacy knowledge and providing them with the financial life skill tools to become successful.

As a responsible corporate citizen, In addition to all you are currently doing, it also allows your business to uplift entire families and the communities you serve. So, please join us in 'Raising Americans' Financial Literacy Intelligence Quotient, IQ'. It's a win-win situation for everyone, your customers, your bank, and the community.