Page 3 to 6: Start Pages | Page 7 to 8: Jeanne Lazarus – List of acronyms and abbreviations | Page 9 to 40: Jeanne Lazarus – Introduction | Page 41 to 82: Jeanne Lazarus – Chapter I. Inclusive banking in the face of exclusion | Page 83 to 138: Jeanne Lazarus – Chapter II. Banking inclusion | Page 139 to 203: Jeanne Lazarus – Chapter III. Credit policies: encouraging, limiting and repairing | Page 205 to 253: Jeanne Lazarus – Chapter IV. Financial education | Page 255 to 290: Jeanne Lazarus – Chapter V. Budget advice points | Page 291 to 305: Jeanne Lazarus – Conclusion | Page 307 to 322: Bibliography | Page 323 to 325: Jeanne Lazarus – Acknowledgments | Page 327 to 328: Index of names | Page 329 to 330: Index of organizations cited | Page 331 to 335: Ending pages.