SOCIALLY RESPONSIBLE COLLABORATION & BANKING YOUR VALUES

OneCalifornia BankOneCalifornia FoundationInner City AdvisorsImprint Capital Advisors

PANEL PARTICIPANTS

Moderator: Salvador Menjivar, Executive Director, OneCalifornia Foundation

Kat Taylor, Founder OneCalifornia Bank & OneCalifornia Foundation

Jeff Cheung, President & CEO, OneCalifornia Bank

Jose Corona, Executive Director, InnerCity Advisor

Taylor Jordan, Co-Founder & Managing Director, Imprint Capital Advisors

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CREATING AN INNOVATIVE SOCIAL BUSINESS IN A BANKING STRUCTURE Basis of OneCalifornia Bank

OneCalifornia Bank Our Model..One of a few nationally chartered financially institutions

Role of OneCalifornia Bank

Innovative Role of OneCalifornia Foundation

Examples of collaboration with Community Based Organizations for Economic Development & Financial Literacy

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INNER CITY ADVISORS

Inner City Advisors Focus on Inner City Businesses-Oakland Superior Business Advisory Services Hybrid Financing: New Model

Co-lending Subordinated Debt Guaranty Equity

Example of Collaboration & Innovation

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IMPRINT CAPITAL ADVISORS Leveraging Capital for Social Impact & Social

Return

Directing Mission Related Investments to key on the ground level organizations

Leading edge application of funds from programs, deposits to lending

Working with OneCal & other partners to “strategically connect the dots” 5

HYBRID FINANCE MODEL-MOVING GRANTS, PRIS, MISSION RELATED DEPOSITS, EQUITY INTO THE COMMUNITIES

Key Success Factor: Proper Feet on the Street to Execute

Needs: Advisory Partners Financial Service Provider Deal Flow Crisp Execution Reporting: Output, Outcomes and Financial

Impact

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WHY

More Effective Vehicles than PRIs (Program Related Investments) Mission-related Deposits Subordinated-Debt Lease Finance / Guaranties Equity Stakes Collaborative Consulting Services

Need those on street who can source, underwrite and monitor these types of investments

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“CONNECTING THE DOTS: EXAMPLES”

Foundations “lending” & Bank leveraging the lending

Strategic Collaboration: Inner City Advisors sources a deal & provides

consulting services to business owners OneCalBank underwrites lending needs & provides

banking services Imprint Capital brokers “capital / participating loans” Team plans for Growth Trajectory Not giving control for expensive VC capital OneCal Foundation: Financial Education & Literacy

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IMPLICATIONS Progressive Practices-But business discipline

always

That may mean collaboration and consolidation, especially for Non-Profits, who need to have business discipline too

Investors need to insist on financial sustainability as well as social/environmental outcomes And they need to plan an exit

Also, what is scale? Is it different for different strategies? Organic growth, large capital infusion, networks of like-minded entities, etc.

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SOCIALLY RESPONSIBLE BANKING…BANKING YOUR VALUES.. JOIN THE MOVEMENT

Working collaboratively How to Participate:

“Bank your values” Both personally & organizationally

What do you get out of it Conscious Consumerism Don’t “Green Wash” Yourself Become part of the Change

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