HEBREW FREE LOAN SOCIETY INC

THE HEBREW FREE LOAN SOCIETY (HFLS) ADVANCES ECONOMIC STABILITY AND OPPORTUNITY FOR LOWER INCOME NEW YORKERS WITHIN AND BEYOND THE JEWISH COMMUNITY BY MAKING SAFE, AFFORDABLE INTEREST-FREE LOANS. HFLS IS A NON-SECTARIAN LENDER, SERVING THE NEW YORK CITY METROPOLITAN AREA SINCE 1892.TODAY, WE CONTINUE THAT TRADITION OF MAKING INTEREST-FREE LOANS AVAILABLE TO NEW YORKERS WHO NEED IMMEDIATE HELP OR WANT TO INVEST IN THEIR FUTURES, BUT CANNOT AFFORD OR DO NOT QUALIFY FOR COMMERCIAL CREDIT. HFLS MAINTAINS A 99.9% REPAYMENT RATE. SINCE OUR FOUNDING 130 YEARS AGO, HFLS HAS PROVIDED OVER $380 MILLION TO MORE THAN 900,000 BORROWERS. AS OUR LOANS ARE REPAID, THE CAPITAL IS LENT OUT AGAIN AND AGAIN, HELPING MORE PEOPLE AND MULTIPLYING THE IMPACT OVER TIME. HFLS IS UNIQUE. THERE ARE NO OTHER ORGANIZATIONS IN NEW YORK CITY THAT PROVIDE AN ARRAY OF INTEREST-FREE LOANS TO LOW-AND MODERATE-INCOME PEOPLE FACING FINANCIAL EMERGENCIES.