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Criteria for Making Grants and Loans

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									                    Grant/Loan Application - Operation Helping HEAL, Inc.

               Operation Helping HEAL, Inc. (“HEAL”), has come up with a program called
“Instant Help,” which will make short-term, zero-interest loans, monetary grants or provide other
assistance, within its current abilities, to all qualified Veterans and Military Service Members
who have served in a combat zone (CZ) or other qualified hazardous duty area (QHDA) and who
demonstrate a need consistent with our mission statement.

                HEAL’s primary goal is to provide stop-gap assistance to United States’ veterans
and service members who experience unforeseeable, temporary and undue hardship for reasons
generally beyond their control. The veterans’ or service members’ needs would generally arise
from unreasonable gaps in the receipt of pay or benefits justly due the veteran or service member
as a direct result of his or her service to the United States.

               In order to serve as many United States veterans and service members as possible,
Operation Helping HEAL, Inc., is not intended to be a long-term source of income or services to
any individual. Qualified persons having repetitive financial hardships or a need for ongoing
services will be referred to an appropriate agency for such challenges.

               1.      Criteria for Making Grants and Loans.

                 A Financial Outreach Committee, which will be composed of not less than three
persons selected by the Board of Directors of the organization, will make determinations as to
the giving out of grants and loans to wounded veterans returning from current overseas military
operations. All grants and loans will be given out on an objective and nondiscriminatory basis.
In particular, HEAL will not discriminate among veterans or service members on the basis of
age, gender, religious preference, race, sexual orientation or ethnicity. Grants and loans will be
awarded strictly based upon the financial needs of the qualified individual and his or her
immediate family and HEAL’s ability to extend the assistance. Objective factors will be used,
such as, the financial condition of the family, the health of the veteran, and the family’s ability to
pay their bills.

            A written “Request for Grant or Loan” form must be submitted to the Financial
Outreach Committee giving information about the veteran and his or her family including:

               (a) proof that the applicant is an Honorably Discharged (or it’s equivalent) veteran
               of the United States Military or, a current member of the United States Military
               who has served in a CZ or QHDA;

               (b) proof of the applicant’s identity and domicile;

               (c) current employment and salary, if any;

               (d) any medical problems;

               (e) total income, and the sources thereof;

               (f) a list of major living expenses; and
                (g) an explanation of reasons for needing the grant or loan and the amount
                requested.

               To comply with the above criteria, the applicant must be willing to sign a release
of information to allow the Financial Outreach Committee of Operation Helping HEAL, Inc., to
obtain additional information necessary to verify financial need and/or medical condition.

                Furthermore, the applicant must, in good faith, be willing and agree to repay any
loan extended to him or her in a reasonable period of time when the applicant’s financial
situation has improved or, when the reason for the financial need has been corrected by the
applicant’s branch of military affiliation, Department of Veterans Affairs or by the applicant’s
own personal fortitude.

                Finally, the applicant should be willing to advise the Financial Outreach
Committee of any substantial changes in his or her domicile and circumstances which might
have an effect upon the applicant’s ability to repay his or her loan. Operation Helping HEAL,
Inc., reserves the right to request reasonable repayment if the Financial Outreach Committee
concludes that the applicant has an ability to make full or partial repayment.

              The “Request for Grant or Loan” form may be filled out by a member of the
Financial Outreach Committee or other individual who would obtain the information from the
veteran pursuant to a personal interview or telephone conversation. In such a case, the form
would then be sent to the veteran for verification and signature.

               The Financial Outreach Committee will review the applications, personally
interview the veteran, if deemed necessary, and will make the final determination based on the
above information.


                2.     Determining Need.

               Operation Helping HEAL, Inc., determines need by first looking at the
information the applicant has provided including the evidence establishing the applicant to be a
qualified veteran or service member. HEAL will then look at those circumstances which lead to
the veteran’s application for assistance, such as:

                (a) Military transition pay issues

                (b) Awaiting VA benefits

                (c) Extraordinary unforeseen life events

                (d) Size and composition of family1

                (e) Special medical needs

1
    HEAL will use the 2005 HHS Poverty Guidelines to determine the applicant’s need.
                If the applicant is a qualified veteran or service member and his or her need is
bonefide, HEAL will then attempt to verify the applicant’s pay or benefit challenge. HEAL will
also evaluate the likely length of time before the issue can be resolved.

               With a qualified applicant and a verified need HEAL will then determine if the
type of service or amount requested is reasonable. If so, HEAL will issue a loan (or contact a
service provider) with an agreed upon term and projected repayment date.

               3.     Application.

              A copy of the application for a veteran to receive a grant or loan (“Request for
Grant or Loan” form) is enclosed as Exhibit A.

               4.     Follow-up Procedures.

                A member of the Financial Outreach Committee will have a follow-up
conversation with each grantee or borrower veteran, either in person or by telephone, regarding
the use of the grant or loan. The Financial Outreach Committee member will then fill out a
follow-up report, which will contain information regarding the use of the grant or loan, any
excess not used (which will be returned to the organization) and any additional needs. The
follow-up report will be kept on file, along with the original application. A copy of a follow-up
report form is enclosed as Exhibit B.

If the veteran cannot repay the loan, HEAL will work with the veteran or service member to
modify the repayment plan or, in some cases, completely forgive the loan. In either case, the
veteran or service member must contact HEAL before the loan’s default date. If HEAL is not
contacted by the veteran or service member before the default date, HEAL will act responsibly to
encourage timely repayment of any loan in order to maximize those funds it could use to benefit
other veterans or service members.

               In situations where HEAL’s complete recovery of the loan would place the
veteran, service member or their family in dire straights, HEAL will consider forgiveness or
cancellation of the debt. This resolution will not be automatic. The veteran or service member (or
their duly authorized representative) will need to contact HEAL to request the particular relief
sought.
Exhibit A

                                    Operation Helping HEAL, Inc.

                                     Request For Grant or Loan

                I hereby certify that I am a wounded veteran and that the following information is
true and complete to the best of my knowledge. Any approved grant or loan may be paid, at the
sole discretion of the Financial Outreach Committee, either directly to the applicant or to a
medical facility or other business from which the applicant incurred, but has not yet paid, a living
expense. All loans must be repaid, without interest, within a reasonable period of time when the
applicant’s financial situation has improved or, when the reason for the financial need has been
corrected by the applicant’s branch of military affiliation, Department of Veterans Affairs or by
the applicant’s own personal fortitude. I also agree to release information to allow the Financial
Outreach Committee of Operation Helping HEAL, Inc., to obtain additional information
necessary to verify financial need and/or medical condition.

_________________________________                    Date:
Signature of Applicant
_________________________________
Print Name
                                             PART A.

Name of Applicant:
Current address:



Telephone number: (       )
Permanent address (if different):



Telephone number: (       )
Age: ________

*Please attach a form of identification establishing your identity and domicile and proof that you
are an Honorably Discharged (or it’s equivalent) veteran of the United States Military or, a
current member of the United States Military who has served in a CZ or QHDA.


Please list any dependents of Applicant (e.g., dependent children and their ages, spouse, if
applicable, other - describe):
Current employment and salary of all family members, if any:


Please describe any medical problems:




                                             PART B.

Please list ALL sources of family income including, but not limited to, any salary, investment
income, social security, support from other organizations, etc.:

SOURCE OF INCOME                                                           AMOUNT
                                                         $
                                                         $
                                                         $
                                                         $
                                                         $
TOTAL INCOME:                                                              $
Please list the family’s major living expenses, and an estimate of costs, including housing
expenses (i.e., rent or mortgage payments, utilities, etc.) medical expenses, insurance, food,
transportation and other necessary living expenses. For each expense, please indicate if the
expense is a recurring expense or a one-time expense. Please explain any unusual or
exceptionally large expenses on an attached sheet of paper.

DESCRIPTION OF EXPENSE                                                     COST
                                                         $
                                                         $
                                                         $
                                                         $
                                                         $
                                                         $
                                                         $

TOTAL EXPENSES:                                                            $
                                            PART C.

Amount of grant requested: $
          or
Amount of loan requested: $


Please describe below the reason for the grant or loan:
Exhibit B

                            Operation Helping HEAL, Inc.

                            Grant/Loan Follow-Up Report

Name of Grantee/Borrower:
Amount of Grant/Loan: $
Date of Grant/Loan:
Reason for Grant/Loan:



Use of Grant/Loan:



Amount of Excess, if Any:
Further Need, if Any:
Other Comments:




_________________________________            Date:
Print Name

_________________________________
Signature

								
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