What’s Your Fi-Q ?

We’re starting a revolution.

EverFi provides the leading media platform to teach students

the core concepts of Financial Literacy. Through our proprietary

platform, we are powering a national movement that allows our

partners to launch their own Financial Literacy training programs in

their communities.

EvErFi iS CHANGiNG tHE lANdSCApE oF FiNANCiAl litErACy iN AmEriCA.

From student loan defaults and sub-prime mortgages, to credit card debt and rising bankruptcy rates, it’s clear young adults lack the right tools to make the decisions that will shape their financial lives.

EverFi provides the leading web-based media platform to teach and certify students in the core concepts of Financial Literacy.

Using the latest Web 2.0 and new media technologies built to educate and entertain a generation of “Digital Natives,” EverFi’s Platform teaches, measures, and certifies students in Financial Literacy.

After we’ve certified our students, they are connected to a world of jobs, grants, scholarships and career opportunities using our proprietary EverFiNext™ portal.

In today’s turbulent and ever-changing financial world, EverFi’s platform is needed now more than ever.

joinit! EvErFi’S GoAl iS

to trAiN ANd CErtiFy 100,000 youNG AdultS, AGE 16-22, pEr yEAr iN FiNANCiAl litErACy.

• Financial Literacy and Education at the high school level is currently required in only a handful of states.

• The average college graduate carries $2,748 in credit-card debt, according to a survey by student lender Nellie Mae.

• Nearly one in four graduates leaves school with more than $5,000 in credit-card debt, according to a recent survey by Zogby International that was commissioned by credit reporting agency TransUnion Corp.

• In recent years, savings rates hit negative levels for the first time since the Great Depression. In 1944, the savings rate was 26.1%.

• Low-to-middle income 18-34-year olds with credit card debt reported an average balance of $8,182. In 1983, median consumer debt for 25-34-year-olds was $3,989.

• College students receive an average of 4 phone calls and 5 mailings each month encouraging them to apply for credit cards.

The trends below show how critical EverFi’s National Financial Literacy Program is to turning the tide of this economic meltdown and putting young adults on the right financial track early in their lives.

it’s all over the neWsNEvEr bEForE HAS tHE iSSuE oF FiNANCiAl EduCAtioN ANd litErACy bEEN SuCH AN importANt NAtioNAl priority.— rising credit card debt, home

foreclosures, the collapse of

the sub-prime lending market,

skyrocketing bankruptcy

numbers, lack of savings,

deceptive consumer fraud and

identity theft — all creating

the perfect storm for a national

economic crisis.

become a partner, Work together

Integration and collaboration: we are fully

flexible. Our program seamlessly adapts to

your needs, whatever the scale. We believe in

teamwork. EverFi is committed to enabling your

institution, company, organization or program to

better the people they serve.

EvErFi providES A turNKEy SolutioN tHAt AlloWS our CuStomErS to lAuNCH A bESt-oF-brEEd FiNANCiAl litErACy trAiNiNG proGrAm uNdEr tHEir oWN brANd.

EverFi allows institutions of higher learning - universities, colleges, technical schools and community colleges—

to private-label our web-based Platform. We believe that a rigorous training program in

Financial Literacy should be a part of every college student’s experience.

We provide public high schools with their own Financial Literacy curriculum and platform at

no-cost to the public school. Our school partners team with foundations, grant providers and local

businesses to provide the software licenses to students.

We allow community-based organizations, community foundations and local Chambers of Commerce to distribute underwritten private-label versions of our platform to the students who participate in

their extracurricular programs.

EverFi allows secondary schools to purchase and private-label our learning

platform under their own brand. We have designed a curriculum for high

school students in their junior and senior years of study.

Let’s face it – this stuff can be pretty boring. Taxes, insurance, 401k’s… the Federal Open Market Committee? To introduce our content in an engaging way, a diverse blend of media and scripting techniques are used. Visually, the courseware incorporates customized 3D environments, video and nar- rated animations and montages, and uses a combination of humor, analogies, and straightforward language to clearly illustrate the often-intimidating and complex content. We want our students to learn, not fall asleep.

It is assumed that learners taking this curriculum may at times be entirely unfamiliar with the concepts and vernacular. Our ground-breaking approach aims to minimize the amount of time a learner passively reads or listens to content.

A number of instructional elements are employed throughout the 5-hour, performance-based experience, including:

Adaptive pathing• Expectation failure• Expert stories• Game Simulation• Interactive Portal•

instructional Design:interact + engage

The EverFi Financial Literacy Platform™ experience is

designed to cater to users of every skill and experience level.

Learning opportunities are integrated directly into a series

of interactive activities, customized exploration screens,

realistic scenarios, and detailed feedback designed to target

the learning objectives.

tHE ENd oF pASSivE lEArNiNG iS tHE bEGiNNiNG oF SuCCESS.

EverFi Life is a virtual world interactive game that students play through a customized avatar character at three different life stages. Throughout each stage, the character earns points in the game by making wise financial decisions within a variety of real-life scenarios. This enables students to apply what they’ve learned in the learning modules within an engaging game format.

Each learning module launches within a 3-D rendered virtual environment. Here, students learn the basics of investing right from the floor of the New York Stock Exchange. One of the expert narrators, Dave, serves as their guide through this and other modules.

a comprehensive eXperience in personal FinanceWAlK tHE pAtH to FiNANCiAl SuCCESS At your oWN pACE.The EverFi Financial Literacy Platform™ contains ten unique

modules of approximately thirty minutes each. Because our

curriculum is web based, students can log into their account,

stop and start, review materials, revisit past classes and

measure their progress at any time. Our module topics are:

Savings & Budgeting• Understanding a Credit Score and its Implications• Understanding Credit Cards and Managing Debt• How a Bank Works including an overview of the Federal Reserve• Taxes and Insurance• Renting vs. Owning• Managing Loans to Finance Higher Education• Investing Overview: An In Depth Review of Trading and How the Stock • Exchange WorksConsumer Fraud and Protection•

Here, the expert narrator, Isabel, reviews key terms associated with a typical retail bank. Students explore this environment to learn about types of bank accounts and their features.

In the Renting v. Owning module, students learn about how to make wise practical decisions on whether to buy or rent important purchases like an automobile and a home. They spend time at a car dealership and review the necessary steps to purchase a car like credit score, loan types, and lease terms.

We have also developed our course around an easy-to-apply pedagogy so that the important lessons students learn stay with them as they face key financial decisions in their lives.

get reWarDeD For reaching Your goalstHE NEXt StEpS: it’S tHE bENEFitS tHAt ComE AFtEr tHAt mAKE EvErFi A GiFt tHAt KEEpS oN GiviNG. Students who successfully complete our program earn the

distinction of being EverFi Certified™. In addition, EverFiNext™

offers a one-of-a-kind opportunity to apply what you’ve learned

to expand your career path and get ahead of the game.

EverFi Certified™ is a distinction that the thousands of students who complete the EverFi program can be proud of and one that will add value to the pursuit of the next step in their careers and lives.

EverFiNext™ is an unique part of our students experience and delivers values to the EverFi Certified™ students:

Provides access to a next-generation resume building tool•

Creates an exclusive community of EverFi Certified™ students with • access to employers, grant offices, loan departments, internship coordinators and officials from higher education institutions

EverFiNext™ utilizes a leading-edge resume building application that most “digital natives” will use to present their professional qualifications in the future. This technology makes a traditional resume come alive with video, pictures and a portfolio of work or school samples and other supporting documents. Informational pop-ups provide background data on the companies students have worked at and the schools they’ve attended. Students can securely share different versions within our exclusive network of employers, colleagues and friends, and control access points on an opt-in basis.

This community is comprised of the thousands of students who have become certified through the EverFi Financial Literacy Platform™ and have access to their own personal portal and online resume. These students then have exclusive access to officials from Human Resources departments at leading corporations and admissions departments at institutions of higher learning.

we rewards

Adaptive pathing: To accommodate students’ wide variety of prior knowledge—across students and across content areas—learners are led through the modules based on their individual knowledge via a series of questions and knowledge checks. Learners who need the most upfront support receive it, whereas learners with more advanced knowledge are fast-tracked to the corresponding interactive activities where they are required to demonstrate mastery of the knowledge and skills.

The activities also adapt to the learner’s skill level by providing specific remediation and targeted instruction to learners who make mistakes, while building on the success of learners who can more readily complete the activity. This adaptive design creates a customized learning experience for each student, and works to continuously maintain the student’s attention by providing appropriate challenges and support.

Expectation failure: Throughout the modules, learners are asked to make a number of decisions, primarily in the context of advising a fictitious character. The options for these decisions include common mistakes and misconceptions, or “distracters.” The distracters enable learners to confront their expectation failures, creating valuable learning opportunities that address why the expectation failure occurred and, where appropriate, emphasizing critical thinking over simple recall.

Expert stories: Expert stories are used throughout the course as a complementary instructional feature to the content presentations and interactive activities. The experts in these courses assume the role of a slightly older peer, an aspirational character who speaks directly to the learner as a knowledgeable friend. Many performance-based courses employ one or more expert characters to tell relevant stories at the point of learner failure to further reinforce the consequences of incorrect behaviors, share insight about the content, or provide advice on best practices. Conversely, expert stories can also be used to illustrate mistakes and the consequences of errors, which are achieved in this course by a character that perpetually and hopelessly makes all of the wrong moves, to illustrate the detrimental effects of undesired actions. These stories and characters add a layer of richness to the learning by imparting real-world lessons in a memorable way.

Game Simulation: The courseware also features a robust game simulation in which the learners control the financial lives of characters in three different life stages. The game simulation enables learners to practice and synthesize all that they have learned in the courses, as well as to engage in critical thinking and decision-making around this content. Replay of the game simulation is encouraged, as learners are able to explore the far-reaching consequences of a multitude of seemingly mundane actions.

interactive portal: Another way to accommodate learners of different skill and interest levels is achieved through the portal. In addition to serving as a launching pad for the courses and simulation, the portal serves as an ongoing resource and support tool, providing more detailed information to keep learners engaged and providing access to additional learning opportunities.

A number of instructional elements are employed throughout

the 5-hour, performance-based experience, including:

instructional Design strategY

>

Savings: In this module, students will learn the all-important habits of savings and budgeting. They will learn how the power of interest fuels savings accumulation and which vehicles can augment this process for individuals. Topics covered include interest, compound interest, simple interest, The Rule of 72, principal, interest rate, capital, budgeting (emphasizing managing expenditures to create a savings plan) and types of savings vehicles like IRA’s, 401K’s, and Certificates of Deposit.

banking: In this module, students will learn about the banking system and different types of banks, including retail banks, credit unions and commercial banks. They will examine typical account types (i.e., checking, savings) and the rules and features of each, as well as completing a check and account balance activity. Topics covered also include an overview of the Federal Reserve banking system, payday lenders, and FDIC Insurance.

types of payments, interest rates and Credit Cards: Many young adults get into financial trouble because they lack an understanding about how to responsibly use credit cards. In this module, students will learn about payment types, credit card interest rates, installment credit definitions, selecting and using credit activity, making credit card payments and getting out of debt. Further topics covered include cash advances, payday loans, debit cards, merchant cards, Annual Percentage Rates on credit cards, credit limit, annual fees on credit cards, grace periods, minimum payments, and other fee structures associated with credit cards.

Credit Score: Students will learn about the critical importance of a credit score and how to take control of it. Content includes: who calculates credit scores, what impacts credit scores and how to manage a credit score. Further topics covered are FICO, the major credit bureaus, credit checks, and purchases typically requiring good credit.

Financing Higher Education: Students learn the necessary steps to complete the student loan process. The module is designed for the student to focus on the step in the process that is most relevant to them, from the beginning of the process of filling out a FAFSA (Free Application for Federal Student Aid) to understanding their repayment obligations for loans they’ve already taken out. Topics covered include scholarships, grants, different loan types, good debt vs. bad debt, depreciation vs. appreciation, cost of school attendance, Master Promissory Note, and loan payback schedules.

renting vs. owning: One of the biggest—and most confusing—financial decisions in any person’s life is the purchase of a home. In this module students get a head start by learning about mortgages, buying, leasing and renting. Both homes and vehicles are addressed in detail and activities are tailored to help students make informed cost benefit analyses between renting and owning. Topics covered include appreciation, depreciation, tax incentives, lease terms, fixed and adjustable rate mortgages, balloon payments, liens, and foreclosures.

curriculum moDule content summaries

insurance and taxes: Students will learn about financial concepts that can often be confusing, yet important. We cover the basics including sales tax, income tax brackets, property taxes, capital gains taxes, and tax forms (1040, W4, & W2) to convey the importance of these obligations clearly. Students also learn the most relevant types of insurance (health, homeowners, renter’s, and auto) and their benefits in this module. Finally, they learn the key steps in the insurance process and the definition of coverage, claims, and deductibles.

Consumer Fraud: This module focuses on the protection of personal financial information and details identity theft and how to prevent it, as well as other consumer fraud protection laws. These include the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and the Truth in Lending Act. Finally, this module details the most common practices of consumer fraud in the marketplace today.

investing: This module brings students to the floor of the major Stock Exchanges. In a straightforward way, they learn how a stock is traded, the risks and rewards of investing, and the wide range of investment options available to any long term savings plan. Topics covered include stocks, bonds, mutual funds, risk and reward dynamics, rate of return, shareholders, dividends, fund managers, and reading a stock quote.

Database overvieWThe EverFi Financial Literacy Platform™ is built on top of a robust database and Learning Management System that tracks and reports student performance. This database allows teachers and advisors to easily access reports that support and compare student performance. The data also allows for continual monitoring of the course in order to apply necessary adjustments and optimize the learning experience for students.

sYstem requirements

pC SyStEm rEquirEmENtS:

All of the applications required to run the EverFi Financial Literacy • Platform™ are available using:

A Pentium IV , 512 MB RAM with a processor speed greater than or • equal to 1.0 GHz

Microsoft® Windows® 2000 or higher •

Microsoft Internet Explorer 6.0 or higher or Firefox 2.0.0.14 or higher •

Adobe Flash Player 8.0 or higher (1MB disk space needed to install) •

A minimum screen resolution 800x600, with 16-bit color. (This course • is optimized for 1024x768, so some image distortion will occur at resolutions lower than that)

A sound card, and either speakers or headphones (for multi-media • audio)

Internet bandwidth of 128K or faster. Broadband internet access is • recommended

mACiNtoSH SyStEm rEquirEmENtS: All of the applications required to run the EverFi Financial Literacy Plat-form™ are available using:

512 MB RAM with a processor speed greater than or equal to 1.0 GHz •

Mac OS X 10.3.9 or higher •

Safari 1.3.2 or higher or Firefox 2.0.0.14 or higher •

Adobe Flash Player 8.0 or higher (1MB disk space needed to install) •

A minimum screen resolution 800x600, with 16-bit color. (This course • is optimized for 1024x768, so some image distortion will occur at resolutions lower than that)

A sound card, and either speakers or headphones (for multi-media • audio)

Internet bandwidth of 128K or faster. Broadband internet access is • recommended

Don’t Wait! start toDaY!FiNANCiAl litErACy iS tHE bESt iNvEStmENt For your FuturE.All across the country, foundations, schools and community

groups are joining together on the EverFi Financial Literacy

Platform™ to change the financial landscape of their

communities.

Join the EverFi team as we build a national network of

young adults who are EverFi Certified™ in Financial Literacy.

Contact us at 202 629 0326 or at info@EverFi.com .

hope to see you soon!

This brochure was printed on FSC Certified paper and soy based ink.

1225 Potomac Street NW | Washington D.C. 20007 | 202.629.0326 | www.EverFi.com