2026-05-14T17:54:29-05:00 2025-12-31 410746749 CLIFTONLARSONALLEN LLP 5255 EAST WILLIAMS CIRCLE SUITE 5000 TUCSON AZ 85711 990 2025-01-01 541837741 MONEY MANAGEMENT INTERNATIONAL INC MONE 6022464520 2401 W PEORIA 350 PHOENIX AZ 85029 JAMES TRIGGS CHIEF EXECUTIVE OFFICER 6022464520 2026-05-14 1 JONATHAN WITTMANN P02338566 5207903500 2026-05-14 2025 2025-03-06 01:10:19Z JAMES TRIGGS 2401 W PEORIA 350 PHOENIX AZ 85029 58907164 0 X WWW.MONEYMANAGEMENT.ORG X 2002 TX WE STRIVE TO BENEFIT THE COMMUNITY BY PROVIDING EXCEPTIONAL FINANCIAL EDUCATION AND COUNSELING PROGRAMS INCLUDING CREDIT, HOUSING, AND BANKRUPTCY COUNSELING. 11 10 306 10 4285222 0 15261987 10946128 18687228 33696567 2279076 2570229 168972 7136993 36397263 54349917 0 0 0 0 29505983 29557353 0 0 1193556 14109081 21781812 43615064 51339165 -7217801 3010752 50449486 48654660 27386647 21157295 23062839 27497365 X TO IMPROVE LIVES THROUGH FINANCIAL EDUCATION. 0 0 25193509 0 26126206 CREDIT COUNSELING & DEBT MANAGEMENT:MONEY MANAGEMENT INTERNATIONAL (MMI) PROVIDES FINANCIAL COUNSELING AND EDUCATION TO ASSIST INDIVIDUALS AND FAMILIES WITH BUDGETING, DEBT MANAGEMENT, AND FINANCIAL GOAL SETTING. CERTIFIED CREDIT COUNSELORS ASSESS EACH CONSUMER'S FINANCIAL SITUATION, DEVELOP SPENDING PLANS, AND RECOMMEND APPROPRIATE ACTIONS.CONSUMERS MAY ENROLL IN DEBT MANAGEMENT PLANS (DMPS) FOR STRUCTURED REPAYMENT OF UNSECURED DEBT. ONGOING COUNSELING AND ADMINISTRATIVE SUPPORT ARE PROVIDED THROUGHOUT THE PROGRAM. ALL COUNSELORS COMPLETE REQUIRED TRAINING AND MAINTAIN INDEPENDENT CERTIFICATION.MMI DELIVERS EDUCATION THROUGH IN-PERSON SESSIONS, WEBINARS, AND SELF-PACED MODULES. PROGRAM OUTCOMES INDICATE THAT A MAJORITY OF CONSUMERS COMPLETING DMPS FULLY REPAY THEIR ENROLLED DEBT, WITH ADDITIONAL CONSUMERS ABLE TO RESUME DIRECT CREDITOR PAYMENTS.IN 2025 MMI PROVIDED 80,620 DEBT & BUDGET COUNSELING SESSIONS. ANOTHER 69,078 HOUSEHOLDS RECEIVED DEBT MANAGEMENT SUPPORT AND REPAYING $287MM IN UNSECURED DEBT. ON AVERAGE, PARTICIPANTS EXPERIENCE SIGNIFICANTLY REDUCED INTEREST RATES, MEANINGFUL SAVINGS OVER TIME, AND IMPROVED CREDIT PROFILES. 6281776 0 5761027 HOUSING COUNSELING & EDUCATION:MMI PROVIDES HOUSING COUNSELING SERVICES TO SUPPORT HOME RETENTION, RENTAL STABILITY, AND INFORMED HOMEOWNERSHIP. SERVICES INCLUDE FORECLOSURE PREVENTION, RENTAL COUNSELING, DISASTER RECOVERY (PROJECT PORCHLIGHT), POST-MODIFICATION SUPPORT, AND REVERSE MORTGAGE COUNSELING AND DEFAULT PREVENTION.MMI ALSO DELIVERS HOMEBUYER EDUCATION AND POST-PURCHASE SUPPORT THROUGH ITS BORROWER SUCCESS PROGRAM, WHICH PROVIDES ONGOING COMMUNICATION AND RESOURCES TO HOMEOWNERS.AS A HUD-APPROVED HOUSING COUNSELING AGENCY, MMI PROMOTES FAIR HOUSING, ENSURES ACCESSIBILITY FOR PERSONS WITH DISABILITIES, AND PROVIDES LANGUAGE ASSISTANCE FOR INDIVIDUALS WITH LIMITED ENGLISH PROFICIENCY. FUNDING IS PROVIDED THROUGH HUD AND CONTRACTUAL PARTNERSHIPS. IN 2025 MMI PROVIDED 137,365 COUNSELING & EDUCATION EXPERIENCES ACROSS ITS WIDE RANGING HOUSING COUNSELING AND CASE MANAGEMENT SERVICES. 2867895 0 242226 CREDIT COUNSELING AND DEBT RESOLUTION:MMI LAUNCHED DEBT RESOLUTION SERVICES IN LATE 2024 TO PROVIDE AN ADDITIONAL OPTION FOR CONSUMERS EXPERIENCING FINANCIAL HARDSHIP. THE PROGRAM OFFERS CONSULTATION WITH CERTIFIED SPECIALISTS AND, FOR ENROLLED PARTICIPANTS, NEGOTIATED SETTLEMENT OF UNSECURED DEBTS.CONSUMERS MAKE A SINGLE MONTHLY PROGRAM DEPOSIT TO FUND SETTLEMENTS AND ADMINISTRATIVE COSTS. LEGAL SUPPORT MAY BE PROVIDED WHEN APPROPRIATE. STAFF COMPLETE TRAINING IN DEBT NEGOTIATION, CONSUMER PROTECTION, AND HARDSHIP ASSESSMENT, AND ONGOING EDUCATION IS PROVIDED TO PARTICIPANTS.AS AN EMERGING PROGRAM, THIS PROGRAM SERVED 624 FAMILIES IN 2025. 1877248 0 934399 AGENCY SUPPORT SERVICES:MMI OPERATES THE NEVADA 211 CALL CENTER UNDER CONTRACT WITH THE STATE OF NEVADA, SUPPORTING A STATEWIDE INFORMATION AND REFERRAL SYSTEM OVERSEEN BY THE NEVADA DEPARTMENT OF HEALTH AND HUMAN SERVICES.NEVADA 211 CONNECTS INDIVIDUALS TO SERVICES INCLUDING HEALTHCARE, HOUSING, FOOD, UTILITIES, TRANSPORTATION, AND CHILDCARE. TRAINED SPECIALISTS ASSIST USERS IN IDENTIFYING AND ACCESSING APPROPRIATE RESOURCES.THE PROGRAM MAINTAINS A DATABASE OF OVER A THOUSAND AGENCIES AND SEVERAL THOUSAND PROGRAMS. ANNUALLY, NEVADA 211 SERVES HUNDREDS OF THOUSANDS OF INDIVIDUALS THROUGH MULTIPLE COMMUNICATION CHANNELS AND CONDUCTS COMMUNITY OUTREACH, INCLUDING TARGETED EFFORTS IN RURAL AREAS. 165739 0 632709 BANKRUPTCY COUNSELING AND EDUCATION:MMI IS APPROVED TO PROVIDE PRE-FILING BANKRUPTCY COUNSELING AND PRE-DISCHARGE EDUCATION IN COMPLIANCE WITH THE U.S. BANKRUPTCY CODE. THESE SERVICES INCLUDE ISSUANCE OF REQUIRED CERTIFICATES. MMI SUPPORTS HUNDREDS OF CONSUMERS ANNUALLY THROUGH BANKRUPTCY COUNSELING AND EDUCATION AND ALSO PROVIDES ADDITIONAL SERVICES, INCLUDING STUDENT LOAN COUNSELING. IN 2025, MMI PROVIDED 674 PRE-FILING BANKRUPTCY SESSION AND 116,236 HOURS OF FINANCIAL EDUCATION. 2042987 0 1567108 36386167 1 1 0 0 0 0 0 0 1 0 1 0 0 1 1 1 0 1 0 0 1 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 1 1 0 0 0 1 30 0 1 306 1 1 1 1 MX 0 0 0 0 0 0 0 0 0 0 X 11 10 0 0 0 0 0 0 0 1 1 0 1 1 1 1 1 1 1 1 1 1 0 AL AK AZ AR CA CO CT FL HI IL KS KY ME MD MA MI MN MS NH NJ ND OR PA TN WA WV WI X LYLE LANSDELL 6022464520 2401 W PEORIA 350 PHOENIX AZ 85029 JAMES S TRIGGS PRESIDENT & CEO 40.00 2.00 X X 514487 0 53714 KAREN ANCILLAI CHAIR 3.00 1.00 X X 0 0 0 MARIA C ALONSO DIRECTOR 3.00 0.00 X 0 0 0 ANNE-MARIE BAKER DIRECTOR 3.00 0.00 X 0 0 0 DONNA CARR DIRECTOR 3.00 0.00 X 0 0 0 ELIZABETH HOTZE DIRECTOR 3.00 0.00 X 0 0 0 JERRY NEMORIN DIRECTOR 3.00 0.00 X 0 0 0 MANUEL MARIO PERDOMO DIRECTOR 3.00 0.00 X 0 0 0 WILLIAM A PUPO DIRECTOR 3.00 0.00 X 0 0 0 SUE RANKIN DIRECTOR 3.00 0.00 X 0 0 0 GEORGE TORRES DIRECTOR 3.00 0.00 X 0 0 0 MICHAEL STODDARD CHIEF TECHNOLOGY OFFICER 40.00 0.00 X 317051 0 31829 LYLE LANSDELL CHIEF FINANCIAL OFFICER/TREASURER 40.00 2.00 X 295419 0 38626 MICHELLE JONES CHIEF EXTERNAL AFFAIRS OFFICER 40.00 1.00 X 270058 0 53714 ROBERT P CZYZEWSKI CHIEF OPERATING OFFICER 40.00 0.00 X 242914 0 53180 ZYNDA SELLERS CHIEF COMPLIANCE OFFICER 40.00 2.00 X 247006 0 37489 HELENE D RAYNAUD SR. VP, HOUSING INITIATIVES 40.00 0.00 X 237205 0 32971 THOMAS DE POY SR. VP, IND. RELATIONS 40.00 0.00 X 200012 0 6485 MATTHEW K MUELLER DIRECTOR, INFORMATION TECHNOLOGY 40.00 0.00 X 183743 0 4383 JOHANNA L SAMARA VP DEBT RESOLUTION PROGRAMS 40.00 0.00 X 181728 0 2252 CHELSEA L TAYLOR SR. VP HUMAN RESOURCES 40.00 0.00 X 177759 0 2555 TYRA TURNQUEST SR. DIRECTOR INFORMATION TECHNOLOGY 40.00 0.00 X 163211 0 4374 SCOTT HANNUM CALLCENTERED PRESIDENT & COO 40.00 0.00 X 0 150777 4818 EMANUEL RIVERO VP OPERATIONS 40.00 0.00 X 152266 0 2409 TRAN NGO MANAGER INFORMATION TECHNOLOGY 40.00 0.00 X 150648 0 5017 ERIC OWEN CALLCENTERED VP, BUSINESS DEV. 40.00 0.00 X 0 140993 4818 IRENE ELIZABETH URIARTE ISABELL SR. DIRECTOR, DEBT CONSULTING 40.00 0.00 X 142262 0 1714 SCOTT R CALDWELL SR. DATABASE ADMINISTRATOR 40.00 0.00 X 138985 0 3644 MELISSA A QUARI VP INFOSEC, RISK , AND BUS. CONT. 40.00 0.00 X 135347 0 4711 DANIEL LEVINE FORMER CHIEF TECHNOLOGY OFFICER 0.00 0.00 X 165500 0 0 3915601 291770 348703 45 1 1 0 BRUNNER 11 STANWIX ST 5TH FLOOR PITTSBURGH PA 15222 MARKETING SERVICES 1066356 WAFI TECH 601 GOLDEN TOWER AL MAJAZ BUHEI SHARJAH IN IT CONSULTING SERVICES 612827 AMERICANEAGLECOM 2600 SOUTH RIVER ROAD DES PLAINES IL 60018 WEB MANAGEMENT 253986 CBIZ ADVISORS LLC 685 THIRD AVENUE NEW YORK NY 10017 ACCOUNTING SERVICES 215212 SIMPLE A LLC 2028 E BEN WHITE BLVD STE 240-2424 AUSTIN TX 78741 IT CONSULTING SERVICES 190418 8 6102 6130309 4809717 10946128 CREDIT COUNSELING & DEBT MANAGEME 541990 26126206 26126206 HOUSING COUNSELING & EDUCATION 541990 5761027 5761027 AGENCY SUPPORT SERVICES 541990 934399 934399 BANKRUPTCY COUNSELING & EDUCATION 541990 632709 632709 CREDIT COUNSELING & DEBT RESOLUTI 541990 242226 242226 33696567 653306 653306 6474170 4556019 1228 1918151 -1228 1916923 1916923 BUSINESS PROCESS OUTSOURCING 541900 7136993 4285222 2851771 7136993 54349917 33696567 4285222 5422000 3662435 2201447 1255691 205297 20372152 18017630 1688726 665796 361939 341084 9115 11740 3617327 3259775 230366 127186 1543500 1323353 167415 52732 344737 344737 215212 185283 28976 953 114860 114860 1544798 1329970 207989 6839 4278386 3473418 777957 27011 1187182 1115727 67500 3955 107952 69674 38278 808934 684829 118920 5185 166608 87608 61508 17492 397753 209152 146841 41760 2512 1828 684 1219281 303641 915640 487269 487081 188 BUSINESS PROCESS OUTSOU 7159171 7159171 EQUIPMENT RENTAL & MAIN 2765687 2473068 292107 512 DIRECT COST OF REVENUE 429187 429187 DUES & SUBSCRIPTIONS 243974 97120 120989 25865 308309 295292 11784 1233 51339165 36386167 13759442 1193556 1935585 3920581 573131 1764177 1272360 1241983 736341 1067285 1071640 18772189 13826802 4700001 4945387 29174098 22613238 108007 9993226 13987106 50449486 48654660 3991466 3683566 8289360 3305486 8435013 13114395 6670808 1053848 27386647 21157295 X 23036217 27497365 26622 0 23062839 27497365 50449486 48654660 X 3010752 736766 111101 575907 X X 0 1 X 1 1 1 X 14488765 13348518 8893611 15261987 10944330 62937211 26342966 23448084 23419417 18589007 33696567 125496041 40831731 36796602 32313028 33850994 44640897 188433252 1900 1600 1660 1550 1300 8010 5227441 3029326 2472543 1785222 1658816 14173348 5229341 3030926 2474203 1786772 1660116 14181358 174251894 551510 432564 839638 827922 653306 3304940 257578 257578 809088 432564 839638 827922 653306 3562518 41640819 37229166 33152666 34678916 45294203 191995770 0.90760 0.86300 0.01860 0.01880 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 0 1 X 256261 208188 48073 18028295 13618614 4409681 487633 487633 4945387 CASH HELD FOR CUSTOMERS 13114395 OPERATING LEASE RIGHT-OF-USE ASSETS 792282 FINANCING LEASE RIGHT-OF-USE ASSETS 12170 INVESTMENT IN SUBSIDIARY 68259 13987106 OPERATING LEASE LIABILITIES 834120 FINANCING LEASE LIABILITIES 5395 INVESTMENT IN SUBSIDIARY 214333 1053848 X 53217635 736766 231707 968473 52249162 114860 1985895 2100755 54349917 44058690 0 44058690 114860 7165615 7280475 51339165 PART IV, LINE 2B: MMI COLLECTS PAYMENTS FROM CLIENTS WHO ARE ON DEBT MANAGEMENT PLANS (DMPS), PLACES THOSES PAYMENTS INTO A SEPARATE TRUST ACCOUNT, AND THEN DISBURSES THOSE FUNDS TO THE CREDITORS OF THE CLIENTS. PART X, LINE 2: AS AN ORGANIZATION DESCRIBED IN IRC SECTION 501(C)(3), THE COMPANY IS EXEMPT FROM FEDERAL INCOME TAXES ON ITS RELATED INCOME PURSUANT TO IRC SECTION 501(A). IT IS ALSO EXEMPT FROM VARIOUS STATE INCOME TAXES UNDER SIMILAR STATE STATUTES. MMI - HOUSING AND SEMINOLE RIDGE ARE DISREGARDED ENTITIES FOR FEDERAL TAX PURPOSES. THE COMPANY HAD NO TAXABLE UNRELATED BUSINESS INCOME IN 2025. ACCORDINGLY, NO PROVISION FOR INCOME TAXES HAS BEEN RECORDED. MANAGEMENT HAS EVALUATED THE COMPANY'S TAX POSITIONS AND CONCLUDED THAT THE COMPANY HAD TAKEN NO UNCERTAIN TAX POSITIONS THAT REQUIRE ADJUSTMENT TO THE CONSOLIDATED FINANCIAL STATEMENTS. WITH FEW EXCEPTIONS, THE COMPANY IS NO LONGER SUBJECT TO U.S. FEDERAL OR STATE INCOME TAX EXAMINATIONS BY TAX AUTHORITIES FOR YEARS BEFORE 2016. THE COMPANY RECORDS TAX-RELATED INTEREST AND PENALTIES IN EXPENSES IN THE CONSOLIDATED STATEMENT OF ACTIVITIES AND CHANGES IN NET ASSETS. THERE WERE NO TAX-RELATED INTEREST OR PENALTIES IN 2025. PART XI, LINE 2D - OTHER ADJUSTMENTS: GAIN ON EXCHANGE RATE 231,707. PART XI, LINE 4B - OTHER ADJUSTMENTS: BPO INCOME RECLASS 2,851,771. EXCESS OF ASSETS ACQUIRED OVER LIABILITIES ASSUMED FROM HCCI MERGER -872,320. OTHER INCOME RECLASSED TO THE STATEMENT OF FUNCTIONAL EXPENSES 6,444. PART XII, LINE 4B - OTHER ADJUSTMENTS: BPO EXPENSES 578,130. OTHER INCOME RECLASSED TO THE STATEMENT OF FUNCTIONAL EXPENSES 6,444. AFFILIATE FEE EXPENSE 6,581,041. NORTH AMERICA - CANADA AND MEXICO, BUT NOT THE UNITED STATES 2 498 CALL CENTER SERVICES CALL CENTER SERVICES 7109163 2 498 0 0 2 498 7109163 0 7109163 1 0 1 0 0 0 X X 1 1 X X X X 1 0 0 0 0 0 0 1 1 1 JAMES S TRIGGS PRESIDENT & CEO 369455 0 120000 0 25032 0 8550 0 45164 0 568201 0 0 0 MICHAEL STODDARD CHIEF TECHNOLOGY OFFICER 287051 0 30000 0 0 0 2193 0 29636 0 348880 0 0 0 LYLE LANSDELL CHIEF FINANCIAL OFFICER/TREASURER 255419 0 40000 0 0 0 8550 0 30076 0 334045 0 0 0 MICHELLE JONES CHIEF EXTERNAL AFFAIRS OFFICER 230058 0 40000 0 0 0 8550 0 45164 0 323772 0 0 0 ROBERT P CZYZEWSKI CHIEF OPERATING OFFICER 212914 0 30000 0 0 0 8016 0 45164 0 296094 0 0 0 ZYNDA SELLERS CHIEF COMPLIANCE OFFICER 202006 0 45000 0 0 0 7413 0 30076 0 284495 0 0 0 HELENE D RAYNAUD SR. VP, HOUSING INITIATIVES 202205 0 35000 0 0 0 7821 0 25150 0 270176 0 0 0 THOMAS DE POY SR. VP, IND. RELATIONS 175012 0 25000 0 0 0 6485 0 0 0 206497 0 0 0 MATTHEW K MUELLER DIRECTOR, INFORMATION TECHNOLOGY 141860 0 41883 0 0 0 4383 0 0 0 188126 0 0 0 JOHANNA L SAMARA VP DEBT RESOLUTION PROGRAMS 174728 0 7000 0 0 0 2252 0 0 0 183980 0 0 0 CHELSEA L TAYLOR SR. VP HUMAN RESOURCES 152759 0 25000 0 0 0 2555 0 0 0 180314 0 0 0 TYRA TURNQUEST SR. DIRECTOR INFORMATION TECHNOLOGY 121402 0 41809 0 0 0 4374 0 0 0 167585 0 0 0 DANIEL LEVINE FORMER CHIEF TECHNOLOGY OFFICER 0 0 0 0 165500 0 0 0 0 0 165500 0 0 0 TRAN NGO MANAGER INFORMATION TECHNOLOGY 116108 0 34540 0 0 0 5017 0 0 0 155665 0 0 0 SCOTT HANNUM CALLCENTERED PRESIDENT & COO 0 140777 0 10000 0 0 0 4818 0 0 0 155595 0 0 EMANUEL RIVERO VP OPERATIONS 137266 0 15000 0 0 0 2409 0 0 0 154675 0 0 0 PART I, LINE 1A MMI RECOGNIZES THAT BOARD MEMBERS OF MMI MAY BE REQUIRED TO TRAVEL AND INCUR EXPENSES FROM TIME TO TIME TO CONDUCT MMI BUSINESS AND TO FURTHER THE MISSION OF THE NONPROFIT ORGANIZATION. THE ORGANIZATION ALSO REIMBURSES FOR TRAVEL COMPANIONS AS LONG AS THE EXPENSES PERTAIN TO MMI BUSINESS AND HAVE BENN AUTHORIZED BY A SENIOR VICE PRESIDENT. PART I, LINE 4A DURING CALENDAR YEAR 2025, THE FOLLOWING INDIVIDUALS RECEIVED SEVERANCE PAYMENTS. DANIEL LEVINE - $165,500 PART I, LINE 7 EACH CHIEF OFFICER PROPOSED BONUSES FOR CERTAIN MEMBERS OF THEIR TEAMS BASED ON 2025 PERFORMANCE, LAST YEAR'S BONUS AND PERFORMANCE AND A PERCENTAGE OF ANNUAL SALARY. THESE AMOUNTS ARE DISCRETIONARY AND DOCUMENTATION WAS PROVIDED TO THE PRESIDENT & CEO FOR APPROVAL. FOR THOSE EMPLOYEES WHOSE COMPENSATION MUST BE APPROVED BY THE COMPENSATION COMMITTEE, THE FULL BOARD OF DIRECTORS HAD TO APPROVE THEIR BONUSES BASED ON A COMPENSATION STUDY AND FEEDBACK FROM THE PRESIDENT & CEO. PART I, LINE 8 IN CONNECTION WITH A MERGER, THE ORGANIZATION ENTERED INTO A WRITTEN 36-MONTH AGREEMENT WITH AN INDIVIDUAL WHO WAS NOT A DISQUALIFIED PERSON AT THE TIME THE CONTRACT WAS EXECUTED. FORM 990, PART VI, SECTION A, LINE 1A BY THE AFFIRMATIVE VOTE OF AT LEAST SEVENTY-FIVE PERCENT (75%) OF THE DIRECTORS, THE BOARD OF DIRECTORS MAY CREATE AN EXECUTIVE COMMITTEE, WHICH SHALL HAVE AND EXERCISE ALL THE AUTHORITY OF THE BOARD OF DIRECTORS IN THE MANAGEMENT OF THE CORPORATION, AND MAY APPOINT TWO OR MORE PERSONS, A MAJORITY OF WHOM ARE MEMBERS OF THE BOARD OF DIRECTORS, TO SERVE ON IT. BY MAJORITY VOTE, THE BOARD OF DIRECTORS MAY CREATE ONE OR MORE OTHER COMMITTEES AND APPOINT MEMBERS OF THE BOARD OF DIRECTORS TO SERVE ON THEM. ANY SUCH COMMITTEE MAY EXERCISE ALL CORPORATE AUTHORITY DELEGATED TO IT BY THE BOARD OF DIRECTORS EXCEPT AS LIMITED BY APPLICABLE LAW. FORM 990, PART VI, SECTION B, LINE 11B THE FORM 990 IS PREPARED BY THE ORGANIZATION'S PUBLIC ACCOUNTING FIRM BASED ON INFORMATION PROVIDED BY MANAGEMENT. ONCE THE DRAFT IS AVAILABLE, IT IS POSTED ONTO A SECURE SITE FOR REVIEW BY THE ENTIRE BOARD OF DIRECTORS. THE DIRECTORS ARE GIVEN A MINIMUM OF A WEEK TO REVIEW, DEPENDING UPON TIMING OF THE DRAFT AND FILING DEADLINES PRIOR TO FILING WITH THE IRS. FORM 990, PART VI, SECTION B, LINE 12C THE ORGANIZATION MAINTAINS A WRITTEN CONFLICT OF INTEREST POLICY APPLICABLE TO DIRECTORS, OFFICERS, AND KEY EMPLOYEES. COVERED INDIVIDUALS ARE REQUIRED TO COMPLETE AN ANNUAL CONFLICT OF INTEREST QUESTIONNAIRE AND DISCLOSURE FORM AND TO UPDATE DISCLOSURES FOR ANY MATERIAL CHANGES DURING THE YEAR. THE POLICY REQUIRES DISCLOSURE OF FINANCIAL INTERESTS, COMPENSATION ARRANGEMENTS, BUSINESS RELATIONSHIPS, AND AFFILIATIONS INVOLVING THE INDIVIDUAL OR THEIR FAMILY MEMBERS. POTENTIAL CONFLICTS ARE REVIEWED BY APPROPRIATE ORGANIZATIONAL LEADERSHIP, AND INDIVIDUALS WITH A CONFLICT ARE EXPECTED TO DISCLOSE THE MATTER AND MAY BE REQUIRED TO REFRAIN FROM PARTICIPATING IN DELIBERATIONS OR DECISIONS RELATED TO THE TRANSACTION. FORM 990, PART VI, SECTION B, LINE 15 MMI HAS DEVELOPED AND IMPLEMENTED A COMPENSATION POLICY ADHERING TO THE STANDARDS PROVIDED IN TREASURY REGULATIONS SECTION 53.4858-6. THE POLICY REQUIRES A COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS TO PERFORM A REVIEW AND APPROVE COMPENSATION FOR OFFICERS AND KEY EMPLOYEES; THAT THE COMMITTEE OBTAIN AND RELY UPON COMPARABILITY DATA AND VALUATION STUDIES PREPARED BY INDEPENDENT EXECUTIVE COMPENSATION EXPERTS; THE COMMITTEE CONTEMPORANEOUSLY DOCUMENTS ITS DELIBERATIONS AND DECISIONS IN WRITING; AND MUST HAVE ALL COMPENSATION DECISIONS APPROVED BY THE FULL BOARD OF DIRECTORS. THIS PROCESS WAS LAST COMPLETED IN 2025. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE UPON REQUEST. FORM 990, PART XI, LINE 9: EXCESS OF ASSETS ACQUIRED OVER LIABILITIES ASSUMED OF HCCI 872,320. LOSS IN INVESTMENT IN SUBSIDIARY -296,413. FORM 990, PART XII, LINE 2C: THE PROCESS FOR OVERSIGHT AND SELECTION OF AN INDEPENDENT ACCOUNTANT HAS NOT CHANGED FROM THE PRIOR YEAR. 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