2016 National Interagency Community Reinvestment Conference

February 7-10, 2016 Los Angeles, CA

Sponsored by Federal Reserve Bank of San Francisco Federal Deposit Insurance Corporation Ofﬁce of the Comptroller of the Currency Community Development Financial Institutions Fund JW Marriott at L.A. Live 900 West Olympic Boulevard Los Angeles, CA 90015 213-765-8600

Conference Registration Diamond Ballroom

Plaza To Conference Ballrooms Ź Studio 3

Atrium Platinum Ballroom

Olympic Studios 1, 2

Gold Ballroom

2 elcome to the 2016 National Interagency Community Reinvestment Conference and [V3VZ(UNLSLZHJP[`[OH[L_LTWSPÄLZIV[O[OLJOHSSLUNLZHUKVWWVY[\UP[PLZMHJPUN[OL Wcommunity development sector. Economic opportunity does not happen in a vacuum: it takes a coordinated approach to housing, LK\JH[PVUW\ISPJZHML[`OLHS[OJHYL[YHUZWVY[H[PVUHUKQVIZ6]LY[OLUL_[[OYLLKH`Z^L^PSS L_WSVYL[OLWH[O^H`Z[VVWWVY[\UP[`[OH[JHUJYLH[L]PIYHU[ULPNOIVYOVVKZMVYHSS(TLYPJHUZ

>OL[OLY`V\»YLHIHURLYKL]LSVWLYVYJVTT\UP[`SLHKLY^LOVWL`V\^PSS[HRLM\SSHK]HU[HNLVM [OLSLHYUPUNHUKUL[^VYRPUNVWWVY[\UP[PLZ[OPZJVUMLYLUJLVMMLYZ;OLCRA Compliance track features an interagency team of top examiners from around the country. Sessions in this track cover virtually L]LY`HZWLJ[VM[OL*9(L_HTPUH[PVUWYVJLZZMVYHSSPUZ[P[\[PVUZPaLZHUKPUJS\KLILZ[WYHJ[PJLZ[OH[ L]LU[OLTVZ[L_WLYPLUJLK*9(VMÄJLYZ^PSSÄUK\ZLM\S

;OLZLZZPVUZPU[OLCommunity Development Policy and Practice trackOPNOSPNO[PUUV]H[P]LÄUHUJPUN Z[Y\J[\YLZZ[YH[LNPLZHUKWHY[ULYZOPWTVKLSZHPTLKH[I\PSKPUNWH[O^H`Z[VLJVUVTPJVWWVY[\UP[` PUSV^LYPUJVTLJVTT\UP[PLZ-VY^L»]LHKKLKHZLYPLZVM^VYRZOVWZLZZPVUZKLZPNULK[VIL ZRPSSI\PSKPUNVWWVY[\UP[PLZMVYWHY[PJPWHU[Z

-PUHSS`^L»YLWSLHZLK[VVMMLYMV\YCommunity Tours[OH[^PSSL_WSVYLKL]LSVWTLU[\UKLY^H`PU[OPZ fast-changing city.

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Enjoy the conference!

Sincerely,

Scott ;\YULY 1HUL[.VYKVU Federal Reserve Bank of San Francisco Federal Deposit Insurance Corporation

Annie Donovan Beth Castro <:+LWHY[TLU[VM[OL;YLHZ\Y`*+-0-\UK 6MÄJLVM[OL*VTW[YVSSLYVM[OL*\YYLUJ`

3 TABLE OF CONTENTS

:JOLK\SLH[H.SHUJL ...... 5

Concurrent Sessions ...... 8

:LZZPVU+L[HPSZI`;YHJR

CRA Compliance ...... 10

Community Development Policy & Practice ...... 12

*VTT\UP[`;V\YZ ...... 19

Keynote Speakers ...... 20

Speaker Bios ...... 24

4 SCHEDULE AT A GLANCE

Sunday, February 7 All general sessions will be held 3:00 – 6:00 Registration in the Platinum Ballroom Monday, February 8 7:30 – 8:30 Registration and Breakfast 8:30 – 10:00 Opening General Session Welcome to Los Angeles Scott Turner, Vice President Federal Reserve Bank of San Francisco Sunrise on the 110: Building a New Los Angeles ;OLWYLTPLYLZJYLLUPUNVMHKVJ\TLU[HY`[OH[L_WSVYLZ[OLWHZ[WYLZLU[HUKM\[\YLVM 3VZ(UNLSLZ»[YHUZMVYTPUNKVÛ[VÛHUKOPNOSPNO[Z[OL[YP\TWOZHUKJOHSSLUNLZVMYLJLU[ development. The Honorable Eric Garcetti, Mayor City of Los Angeles Manuel Pastor, Director of the Program for Environmental and Regional Equity University of Southern California Introduction Emerson Hall, Regional Manager, Community Affairs Federal Deposit Insurance Corporation Keynote Address The Honorable Martin J. Gruenberg, Chairman Federal Deposit Insurance Corporation Practitioner Spotlight Roberto E. Barragan, President and CEO Valley Economic Development Centers 10:00 – 10:30 Break 10:30 – 12:00 Concurrent Sessions 12:00 – 1:30 Lunch and General Session Panel Presentation: Affirmatively Furthering Fair Housing and Community Development Practice Kalima Rose, PolicyLink Bryan Greene, U.S. Department of Housing and Urban Development (moderator) David Black6MÄJLVM[OL*VTW[YVSSLYVM[OL*urrency

1:30 – 3:00 Concurrent Sessions 3:00 – 3:30 Break 3:30 – 5:00 Concurrent Sessions 6:00 – 8:00 Networking Reception at the Museum of Contemporary Art Transportation will be provided between the hotel and venue located at 250 South Grand Ave., Los Angeles, California 90012

(Schedule at a Glance continued on next page)

5 Tuesday, February 9 All general sessions will be held in the Platinum Ballroom 7:30 – 8:30 Breakfast 8:30 – 10:00 Concurrent Sessions 10:00 – 10:30 Break 10:30 – 12:00 Concurrent Sessions 12:00 – 1:30 Lunch and General Session Lunch generously sponsored by the Federal Home Loan Bank of San Francisco Introduction Barry Wides, Deputy Comptroller, Community Affairs 6MÄJLVM[OL*VTW[YVSSLYVM[OL*\YYLUJ` Keynote Address The Honorable Thomas J. Curry, Comptroller of the Currency 6MÄJLVM[OL*VTW[YVSSLYVM[OL*\YYLUJ` Remarks Jim Yacenda=PJL7YLZPKLU[HUK*VTT\UP[`0U]LZ[TLU[6MÄJLY Federal Home Loan Bank of San Francisco 1:30 – 3:00 Concurrent Sessions 3:00 – 3:30 Break 3:30 – 5:00 General Session Practitioner Spotlight Carol Naughton, President Purpose Built Communities Introduction Eric Belsky, Director, Division of Consumer and Community Affairs Board of Governors of the Federal Reserve System Keynote Address Amias M. Gerety, Acting Assistant Secretary for Financial Institutions U.S. Department of the Treasury Panel Presentation: CDFI Innovations in Financial Inclusion ;OPZZLZZPVU^PSSOPNOSPNO[UL^WHY[ULYZOPWZIL[^LLUIHURZHUK*+-0Z[OH[WYVTV[L NYLH[LYHJJLZZ[V[OLÄUHUJPHSZ`Z[LTLUOHUJL^LHS[OHJJ\T\SH[PVUHUKPTWYV]L [OLÄUHUJPHSOLHS[OVMSV^PUJVTLOV\ZLOVSKZ3LHYUOV^IHURZHUK*+-0ZHYLNVPUN IL`VUKÄUHUJPHSLK\JH[PVU[VSL]LYHNLIHURPUMYHZ[Y\J[\YLHUKJYLH[LPUUV]H[P]L WYVK\J[Z[OH[JVTIH[WYLKH[VY`ÄUHUJPHSZLY]PJLZ Robert Annibale, Citi Community Development and Citi Inclusive Finance Janie Barrera, LiftFund Charles Hammerman, Disability Opportunity Fund Cathie Mahon, National Federation of Community Development Credit Unions Joe Duran, Self-Help Federal Credit Union (moderator) Annie Donovan, U.S. Treasury Community Development Financial Institutions Fund

6 Wednesday, February 10 All general sessions will be held in the Platinum Ballroom 7:30 – 8:30 Breakfast 8:30 – 10:00 Concurrent Sessions 10:00 – 10:30 Break 10:30 – 12:15 General Session Introduction Scott Turner, Vice President, Federal Reserve Bank of San Francisco Keynote Address John C. Williams, President and CEO, Federal Reserve Bank of San Francisco Keynote Address Risa Lavizzo-Mourey, CEO, Robert Wood Johnson Foundation Panel Presentation: Financing New Pathways to Opportunity *YLH[PUNLJVUVTPJVWWVY[\UP[`ÔLYLP[KVLZUV[L_PZ[YLX\PYLZTHU`JVVYKPUH[LK investments and interventions to ensure that people have the things they need [VILWYVK\J[P]LPU[OLLJVUVT`·LK\JH[PVUOLHS[OHUKZ\WWVY[MYVT[OLPY JVTT\UP[PLZ*VTT\UP[`+L]LSVWTLU[OHZOHKTHU`^PUZÔLYLWLVWSLHUK WSHJLZOH]LPTWYV]LK[VJYLH[L]PHISLJVTT\UP[PLZVMVWWVY[\UP[Ì\[P[OHZUV[ KVULP[H[[OLZJHSL[OH[PZULJLZZHY`[VIYPUNTHU`TPSSPVUZTVYLPU[V[OLLJVUVTPJ THPUZ[YLHT/V^KV^LZJHSL\W[VJYLH[LWH[O^H`Z[VLJVUVTPJVWWVY[\UP[`PU ULPNOIVYOVVKZHJYVZZ[OLJV\U[Y`& Audrey Choi, Morgan Stanley Terri Ludwig, Enterprise Community Partners Mark Pinsky, Opportunity Finance Network Michael Rubinger, Local Initiatives Support Corporation Arjan Schütte, Core Innovation Capital (moderator) David Erickson, Federal Reserve Bank of San Francisco

12:15 Adjourn

7 CONCURRENT SESSIONS

Community Tours: All tours will be held Monday, February 8, from 1:30 to 5:00 PM. Pre-registration is required for tours, and space is limited. Please see page 18 for more information.

= CRA Compliance sessions = Community Development Policy & Practice sessions

Monday, February 8 10:30 – 12:00

;OL()*ZVM`V\Y*9(,_HTPUH[PVU )YV^UÄLSKZ[V/LHS[OÄLSKZ :LY]PUN;OVZL^OV:LY]LK!-PUHUJPHS:[HIPSP[`HUK,TWV^LYTLU[MVY=L[LYHUZ 9HJPHS,X\P[`!()YPKNLIL[^LLU7LVWSLHUK7SHJL 4VY[NHNL*YLKP[!7Y\KLU[9LZWVUZP]L0UJS\ZP]LHUK(MMVYKHISL /PZ[VYPJ;H_*YLKP[Z!(*YP[PJHS;VVSPU9L]P[HSPaH[PVU,MMVY[Z

1:30 – 3:00

Managing a Successful CRA Program ;OL5L_[*VTT\UP[`+L]LSVWTLU[-YVU[PLY!6\[JVTLZ)HZLK-PUHUJPUN *HWP[HSPaH[PVUMVY*+-0Z :\WWVY[PUN[OL9LPU[LNYH[PVUVM-VYTLYS`0UJHYJLYH[LK7LVWSL 0UUV]H[PVUZPU7\ISPJ>LSMHYL0U]LZ[TLU[6WWVY[\UP[PLZ!4V]PUN[OL+PHSVU*VTT\UP[`+L]LSVWTLU[-PUHUJL *VUULJ[PUN[V

3:30 – 5:00

*9(MVY=LY`3HYNL-PUHUJPHS0UZ[P[\[PVUZ Small/Intermediate Small Institution CRA Examinations 4HRPUN*VTT\UP[PLZ0U]LZ[HISL!([[YHJ[PUNHUK3L]LYHNPUN7YP]H[L0U]LZ[TLU[MVY7\ISPJ.VVK Ensuring Workforce Development Investments Work for CRA @LZ*YVZZZLJ[VY(WWYVHJOLZHYL5LJLZZHY`I\[>OLYL»Z[OL4HU\HS& Understanding the Mechanics of Pay for Success and Social Impact Bonds Community Investing 101

(Concurrent Sessions continued on next page)

8 (Concurrent Sessions continued)

Tuesday, February 9 8:30 – 10:00

Large Institution CRA Examinations Limited Purpose/Wholesale CRA Examinations and Strategic Plans Connecting to the Banking System: Accounts and Access Investing in Small Business Investment Companies -PUHUJPHS0UUV]H[PVU!0TWYV]PUN*YLKP[(JJLZZMVY:THSS)\ZPULZZLZ Crisis in Rural Housing: USDA Section 515 Rural Rental Housing *VTT\UP[`-HJPSP[PLZ

10:30 – 12:00

>OH[»Z[OL-\[\YLMVY)YPJRHUK4VY[HY6MÄJLZHUK/V^>PSS[OL*9(7SH`6\[HZ[OL+PNP[HS>VYSKOH[0[»Z>VY[O!:[YLUN[OLUPUN[OL-PUHUJPHS-\[\YLVM-HTPSPLZ*VTT\UP[PLZHUK[OL5H[PVU 5L^0U]LZ[TLU[6WWVY[\UP[PLZMVY30/;*!,]VS]PUN[OL-V\UKH[PVUHS-PUHUJPUN:V\YJLMVY(MMVYKHISL/V\ZPUN Commercial Lending in Indian Country Practices and Partners for Strong Small Business Customer Relationships

1:30 – 3:00

Understanding Community Development Needs through the Performance Context 0[»Z*VSKVU[OL+HYR:PKLVM[OL4VVU)L^HYLVM0SSLNHS*YLKP[7YHJ[PJLZ[OH[>PSS+LLW-YLLaL`V\Y*9(9H[PUN *YPZPZPU4\S[PMHTPS`9LU[HS/V\ZPUN!/V^*HU>L(KKYLZZ[OL:OVY[HNL& 0U]LZ[VY7HY[ULYZOPWZMVY*VTT\UP[`+L]LSVWTLU[-PUHUJPHS0UZ[P[\[PVUZ *SPTH[L^PZL*VTT\UP[`+L]LSVWTLU[ (K]VJH[LZHUK)HURLYZ!/V^*VSSHIVYH[PVU*HU7YVK\JL)L[[LY9LZ\S[ZMVY(SS 7YVTPZPUN(WWYVHJOLZ[V)\PSK-PUHUJPHS*HWHIPSP[`MVY@V\[O 0TWYV]PUN+P]LYZP[`PU-PUHUJPHS:LY]PJLZ

Wednesday, February 10 8:30 – 10:00

*9(,_HTPUH[PVU7VSPJ`;YLUKZHUK(UHS`ZLZ 0U]LZ[PUNPU/LHS[O!/V^)HURZ*HU0U]LZ[PU0TWYV]PUN[OL:VJPHS+L[LYTPUHU[ZVM/LHS[O (JOPL]PUN*VTTLYJPHS:\JJLZZHUK:\Z[HPUHISL:VJPHS)LULÄ[Z 0[;HRLZH=PSSHNL!,UKPUN*OYVUPJ/VTLSLZZULZZHUK[OL=P[HS9VSLVM-PUHUJPHS0UZ[P[\[PVUZ +L]LSVWPUN-PUHUJPUNHUK4HUHNPUN:JH[[LYZP[L:PUNSL-HTPS`/V\ZPUN Using Credit Enhancement Programs to Expand Small Business Lending

9 CRA COMPLIANCE

The CRA Compliance track features an interagency team of top examiners from around the country. Sessions in this track cover virtually every aspect of the CRA examination process for all institution sizes HUKPUJS\KLILZ[WYHJ[PJLZ[OH[L]LU[OLTVZ[L_WLYPLUJLK*9(VMÄJLYZ^PSSÄUK\ZLM\S Monday, February 8 10:30 – 12:00 The ABCs of your CRA Examination ;OLL_HTPULYZHYLJVTPUN;OLL_HTPULYZHYLJVTPUN@V\^LYLQ\Z[UV[PÄLK[OH[`V\^PSSILNL[[PUN`V\Y*9( L_HTPUH[PVU9LSH_`V\»]LNV[P[JV]LYLK3LHYUHIV\[[OLLU[PYL*9(L_HTPUH[PVUWYVJLZZHUK^OH[`V\JHUKV[VLUZ\YL HZTVV[OHUKLMÄJPLU[V\[JVTL7YLZLU[LYZ^PSSZOHYLILZ[WYHJ[PJLZVUWYLL_HTPUH[PVUKH[HVUZP[LTH[LYPHSZLMMLJ[P]L JVTT\UPJH[PVU[LJOUPX\LZJYP[PJHS[PTLMYHTLZNL[[PUN`V\YZLUPVYTHUHNLTLU[PU]VS]LKHUKLMMLJ[P]LMVSSV^\WZVUJL [OLL_HTPULYZOH]LSLM[`V\YVMÄJL (Diamond Ballroom) Cassandra Remmenga6MÄJLVM[OL*VTW[YVSSLYVM[OL*\YYLUJ`"Lisa Shepard-LKLYHS9LZLY]L)HURVM)VZ[VU" Diana Vaquera-LKLYHS+LWVZP[0UZ\YHUJL*VYWVYH[PVU" Jason Keller-LKLYHS9LZLY]L)HURVM*OPJHNV(moderator)

1:30 – 3:00 Managing a Successful CRA Program ,_WSVYLOV^[VLUZ\YL[OH[`V\Y*9(NVHSZHYLPUZ`UJ^P[O`V\YIHUR»ZTPZZPVUHUKPU[LNYH[LKPU[V`V\YIHUR»ZVWLYH[PVUZ /LHYOV^V[OLY*9(VMÄJLYZKL]LSVW[OLPYZ[YH[LNPLZYLWVY[[V\WWLYTHUHNLTLU[LUNHNLIYHUJOZ[HMMHUKWHY[ULY^P[O outside organizations. (Diamond Ballroom) Ariel Cisneros-LKLYHS9LZLY]L)HURVM2HUZHZ*P[`Corrine McLaurin*HSPMVYUPH

3:30 – 5:00 CRA for Very Large Financial Institutions 7HY[PJPWH[LPU[OPZZLZZPVUKLZPNULKMVYIHURZ^P[OHZZL[ZV]LY IPSSPVU[VKPZJ\ZZOV^[VKL]LSVWPU[LYUHSZ[Y\J[\YLZHUK processes that can support an effective CRA program including the type and scale of activities that can address community credit needs. (Diamond Ballroom) Melissa Borino<:)HUR"Tina Brison-LKLYHS+LWVZP[0UZ\YHUJL*VYWVYH[PVU"James Matthews*HWP[HS6UL)HUR" Craig Nolte-LKLYHS9LZLY]L)HURVM:HU-YHUJPZJV(moderator) OR Small/Intermediate Small Institution CRA Examinations ;OPZZLZZPVUPZKLKPJH[LK[V[OVZL*9(VMÄJLYZMYVTIHURZ^P[O\W[V IPSSPVUPUHZZL[Z7HULSPZ[Z^PSSKPZJ\ZZILZ[ WYHJ[PJLZMVYIHURZHUK[OLYLHS^VYSKL_WLJ[H[PVUZVML_HTPULYZ3LHYU`V\YWLLYZ»ZLJYL[Z[VWHZZPUNH*9(L_HT^P[O Å`PUNJVSVYZ(Gold Ballroom, Salon 3) James Enright-LKLYHS9LZLY]L)HURVM2HUZHZ*P[`"3PZH4PMÅPU6MÄJLVM[OL*VTW[YVSSLYVM[OL*\YYLUJ`" Steve Murphy-LKLYHS+LWVZP[0UZ\YHUJL*VYWVYH[PVU" Jessica Farr-LKLYHS9LZLY]L)HURVM([SHU[H(moderator)

The 2016 National Interagency Community Reinvestment Conference has been approved for 12.75 CRCM credits. This statement should not be viewed as an endorsement of this program or its sponsor. ICB Members must report these credits at ^^^PJITLTILYZVYN.

The conference organizers would like to acknowledge the contributions of the staff of the Federal Reserve Bank of Chicago in putting the CRA Compliance track together.

10 Tuesday, February 9 8:30 – 10:00 Large Institution CRA Examinations +V`V\YIHUR»ZHZZL[ZL_JLLK[OL¸SHYNLIHUR¹HZZL[[OYLZOVSKVY^PSS[OL`WYPVY[V`V\YUL_[*9(L_HTPUH[PVU&0MZV QVPU[OPZZLZZPVU[VSLHYUOV^JVTT\UP[`KL]LSVWTLU[VWWVY[\UP[PLZ[OLWLYMVYTHUJLJVU[L_[KH[HJVSSLJ[PVUHUKV[OLY MHJ[VYZHYL\ZLK[VL]HS\H[L`V\YIHUR»Z*9(HJ[P]P[PLZ(Diamond Ballroom) Denise Roth-LKLYHS+LWVZP[0UZ\YHUJL*VYWVYH[PVU" J. Danny Santivasci-LKLYHS9LZLY]L)HURVM([SHU[H" Daphne Whistler6MÄJLVM[OL*VTW[YVSSLYVM[OL*\YYLUJ`" Jessica Farr-LKLYHS9LZLY]L)HURVM([SHU[H(moderator) OR Limited Purpose/Wholesale CRA Examinations and Strategic Plans 1VPUMLSSV^*9(VMÄJLYZMYVT3PTP[LK7\YWVZL>OVSLZHSLIHURZ[VZOHYLPKLHZVUOV^[VLUOHUJL`V\Y*9(WYVNYHTZ including demonstrating leadership and innovation. (Gold Ballroom, Salon 4) Lisa DeClark-LKLYHS9LZLY]L)HURVM4PUULHWVSPZ" Pamela Freeman-LKLYHS+LWVZP[0UZ\YHUJL*VYWVYH[PVU" Amy Olson6MÄJLVM[OL*VTW[YVSSLYVM[OL*\YYLUJ`" Jason Keller-LKLYHS9LZLY]L)HURVM*OPJHNV(moderator)

10:30 – 12:00 What’s the Future for Brick-and-Mortar Offices and How Will the CRA Play Out as the Digital World Unfolds? ;OLIYPJRHUKTVY[HYVMÄJLOHZILLU[OLRL`WSH[MVYTMVYWYV]PKPUNIHURPUNZLY]PJLZZPUJL[OLKHÛVM[OLPUK\Z[Y`;OPZWHULS ^PSSL_WSVYLOV^SVUN[LYT[YLUKZOH]LPTWHJ[LK[OLUH[PVU»ZIHURVMÄJLMVV[WYPU[HUKKPZJ\ZZ[HUNPISLILULÄ[Z[OH[IYPJR HUKTVY[HYIYHUJOLZWYV]PKL[V340ULPNOIVYOVVKZ7HULSPZ[Z^PSSHSZVWLLYPU[V[OLM\[\YL[VKPZJLYUOV^[OLL]VS]PUNYVSLVM [OLYL[HPSIYHUJOPZ[YHUZMVYTPUNHIHUR»ZZ[YH[LN`MVYWYVÄ[HIPSP[`HUKOV^[OL*9(^PSS\UMVSKPU[OLTH[\YPUNKPNP[HSZWHJL. (Diamond Ballroom) Ozgur Emre Ergungor-LKLYHS9LZLY]L)HURVM*SL]LSHUK"Steven Reider)HUJVNYHWO`"Surge Sen-LKLYHS+LWVZP[0UZ\YHUJL *VYWVYH[PVU"Joe Valenti*LU[LYMVY(TLYPJHU7YVNYLZZ"Steve Kuehl-LKLYHS9LZLY]L)HURVM*OPJHNV(moderator) 1:30 – 3:00 1:30 – 3:00 Understanding Community Development Needs through the Performance Context ;OPZPU[LYHJ[P]LKPZJ\ZZPVU^P[OL_HTPULYZHUKL_WLY[Z^PSSL_WSVYL[OLWLYMVYTHUJLJVU[L_[WYVJLZZMYVTNH[OLYPUNYLSL]HU[ KH[HVU340JVTT\UP[PLZ[VIL[[LY\UKLYZ[HUKPUN[OLJVTT\UP[`KL]LSVWTLU[ULLKZHUKVWWVY[\UP[PLZVM340HYLHZ;OL ZLZZPVU^PSSJVUJS\KL^P[OHZ[LWI`Z[LW[\[VYPHSVUOV^[VKL]LSVW`V\YVÛWLYMVYTHUJLJVU[L_[(Diamond Ballroom) Vonda Eanes6MÄJLVM[OL*VTW[YVSSLYVM[OL*\YYLUJ`"Jessica Farr-LKLYHS9LZLY]L)HURVM([SHU[H" Theresa Stark)VHYKVM.V]LYUVYZVM[OL-LKLYHS9LZLY]L:`Z[LT"Elizabeth Trotter0),90()(52" William Dowling-LKLYHS9LZLY]L)HURVM:HU-YHUJPZJV(moderator) OR It’s Cold on the Dark Side of the Moon! Beware of Illegal Credit Practices that Will Deep Freeze your CRA Rating )HURZJHUUV[WHZZ[OLPY*9(L_HT^P[OV\[HSZVWHZZPUN[OLMHPYSLUKPUNJVTWVULU[VM[OLL_HT3LHYUHIV\[[OL LUMVYJLTLU[VM[OL-HPY/V\ZPUN(J[HUKMHPYSLUKPUNSH^ZZHSPLU[YLJLU[JHZLZHUKZL[[SLTLU[Z[OLYLHJ[PVUVM[OLPUK\Z[Y` [VHJ[\HSHUKWLYJLP]LKMHPYSLUKPUNSLNHSYPZRHUK[OLPTWHJ[VM[OLZL[VWPJZVU*9(L_HTZ7HULSPZ[Z^PSSZOHYLJVUJYL[L Z[LWZ[OH[OLSW`V\YIHURH]VPKPSSLNHSJYLKP[]PVSH[PVUZ[OH[^PSSJYH[LY`V\Y*9(YH[PUN+VU»[ILJH\NO[PU[OLKHYR ZOHKV^ZVMHRUV^SLKNL]HJ\\T(Gold Ballroom, Salon 1) Edwin Chow*VUZ\TLY-PUHUJPHS7YV[LJ[PVU)\YLH\"Rob Ryan-LKLYHS9LZLY]L)HURVM:[3V\PZ"Jon Seward, Department of 1\Z[PJL"Maureen Yap)VHYKVM.V]LYUVYZVM[OL-LKLYHS9LZLY]L:`Z[LT"Steve Kuehl-LKLYHS9LZLY]L)HURVM*OPJHNV(moderator) Wednesday, February 10 8:30 – 10:00 CRA Examination Policy, Trends & Analyses 1VPU[OPZIYVHKWVSPJ`KPZJ\ZZPVUVM*9(8 (ZZ\WLY]PZVY`WVSPJ`L_HTPUH[PVU[YLUKZHUKHUHS`ZLZHUKZ\WLY]PZVY` policy issues and procedures. (Diamond Ballroom) Cathy Gates)VHYKVM.V]LYUVYZVM[OL-LKLYHS9LZLY]L:`Z[LT"Surge Sen-LKLYHS+LWVZP[0UZ\YHUJL*VYWVYH[PVU" Bobbie Kennedy6MÄJLVM[OL*VTW[YVSSLYVM[OL*\YYLUJ`" Craig Nolte-LKLYHS9LZLY]L)HURVM:HU-YHUJPZJV(moderator)

11 COMMUNITY DEVELOPMENT POLICY & PRACTICE

;OLZLZZPVUZPU[OPZ[YHJROPNOSPNO[PUUV]H[P]LÄUHUJPUNZ[Y\J[\YLZZ[YH[LNPLZHUKWHY[ULYZOPWTVKLSZHPTLK at building pathways to economic opportunity in lower-income communities. Sessions marked with a are workshops designed to be skill-building opportunities for participants.

Monday, February 8 10:30 – 12:00

Brownfields to Healthfields ;YHUZMVYTPUNYLTLKPH[LKIYVÛÄLSKZHUK]HJHU[WYVWLY[PLZPU[VOLHS[O`LUK\ZLZPZHMYLZOHUKPU]LU[P]LLJVUVTPJ KL]LSVWTLU[Z[YH[LN`[OH[ZLY]LZSV^LYPUJVTLMHTPSPLZSP]PUNPULU]PYVUTLU[HSS`V]LYI\YKLULKULPNOIVYOVVKZHJYVZZ[OL JV\U[Y`-LKLYHSZ[H[LHUKSVJHSYLZV\YJLZHYLILPUNSL]LYHNLKMVYHMMVYKHISLOV\ZPUNNYVJLYPLZOLHS[OJHYLJSPUPJZ2 ZJOVVSZHUKWHYRZ[YHPSZHUKVWLUZWHJLZ;OPZZLNTLU[^PSSL_WSVYLPU]LZ[HISLVWWVY[\UP[PLZMVYÄUHUJPHSPUZ[P[\[PVUZHUK [OLPYJVTT\UP[`WHY[ULYZ3LHYUOV^[OPZWYVNYLZZP]LL]PKLUJLIHZLKWYVNYHTJHUHK]HUJL`V\Y*9(VIQLJ[P]LZPU[OL markets you serve. (Plaza 2) Lynda Arakelian9LKOVYZL*VYWVYH[PVUHUKJVU[YHJ[VYMVY[OL<:,U]PYVUTLU[HS7YV[LJ[PVU(NLUJ`"Edward Johnson*P[`VM;HTWH -SVYPKH"Mark Lopez,HZ[@HYK*VTT\UP[PLZMVY,U]PYVUTLU[HS1\Z[PJL"Suzi Ruhl, U.S. Environmental Protection Agency (moderator) Serving Those who Served: Financial Stability and Empowerment for Veterans (M[LYYL[\YUPUNMYVTTPSP[HY`ZLY]PJL]L[LYHUZVM[LUZ[Y\NNSL^P[OÄUHUJPHSJOHSSLUNLZH[OVTL(SHJRVMZH]PUNZMVY LTLYNLUJPLZKLWLUKLUJLVUHS[LYUH[P]LÄUHUJPHSZLY]PJLZHUKKPMÄJ\S[`THUHNPUNHOV\ZLOVSKI\KNL[HTVUNV[OLY PZZ\LZJHUZPNUPÄJHU[SÒPUKLY]L[LYHUZ»HIPSP[`[VZ\JJLZZM\SS`[YHUZP[PVUIHJR[VJP]PSPHUSPML;VVVM[LU]L[LYHUZHYLQ\Z[ VULTPZZLKWH`TLU[H^H`MYVTKLI[HUKL]LUOVTLSLZZULZZ3LHYUOV^ÄUHUJPHSPUZ[P[\[PVUZHUKJVTT\UP[`WHY[ULYZJHU ^VYR^P[O]L[LYHUZ[VJVUULJ[[OLT[V[OLZRPSSZHUK[VVSZ[OLÙLLK[VYLNHPU[OLPYÄUHUJPHSZ[HIPSP[`(Plaza 1) Gian Brosco5L]HKH*VTT\UP[`-V\UKH[PVU"Eric ElbogenVYRPUN>HYKYVILZ=L[5L[HUK<:4HYPUL*VYWZYL[PYLK" Joselyn Cousins-LKLYHS9LZLY]L)HURVM:HU-YHUJPZJV(moderator) Racial Equity: A Bridge between People and Place =HZ[SPMLL_WLJ[HUJ`KPMMLYLUJLZMYVTVULULPNOIVYPUNWSHJL[VHUV[OLYYLÅLJ[Z[OLWYVMV\UKPTWHJ[VMHWSHJLVUP[Z YLZPKLU[Z([[OLJLU[LYVM[OPZHUKV[OLYNHWZZ[LTPZZ\LZHYV\UKOV^WYVNYHTZWVSPJPLZVYZ`Z[LTZOH]LKPZWHYH[LYLZ\S[Z I`YHJL/V^KVLZ[OLJVTT\UP[`KL]LSVWTLU[ÄLSKÔPJOPZOPNOS`WYVÄJPLU[PUYLHSLZ[H[LKL]LSVWTLU[HKHW[[VH TVYLWLVWSLIHZLKHWWYVHJO[OH[ZLLRZ[VYLK\JLYHJPHSHUKLJVUVTPJKPZWHYP[PLZ&(Gold Ballroom, Salon 3) Orson Aguilar.YLLUSPUPUN0UZ[P[\[L"Mary Lee7VSPJ`3PUR"Malcolm Yeung*OPUH[VÛ*+*" John Moon-LKLYHS9LZLY]L)HURVM:HU-YHUJPZJV(moderator) Mortgage Credit: Prudent, Responsive, Inclusive, and Affordable /PNOLYPU[LYLZ[YH[LZHUKHYHWPKS`L]VS]PUNYLN\SH[VY`LU]PYVUTLU[THRLOVTLVÛLYZOPWHJOHSSLUNLMVYTHU`WLVWSLVM SV^HUKTVKLYH[LPUJVTL:[H[LHUK-LKLYHSHNLUJPLZWYV]PKLH]HYPL[`VMWYVNYHTZHPTLKH[L_WHUKPUNOVTLVÛLYZOPW VWWVY[\UP[PLZWY\KLU[S`HUKYLZWVUZPIS`ÔPSLZ[PSSYLTHPUPUNHMMVYKHISLMVY[OLOVTLVÛLY;OPZZLZZPVU^PSSL_WSVYL PU[LNYH[P]LZ[YH[LNPLZHUKJVSSHIVYH[PVUZ\ZPUNNV]LYUTLU[WYVNYHTZ[OH[YL[OPURÄUHUJPUNMVYZ\Z[HPUHISLHMMVYKHISL OVTLVÛLYZOPW(Gold Ballroom, Salon 2) Mark J. Connors<:+LWHY[TLU[VM=L[LYHUZ(MMHPYZ"Cathy Glover<:+LWHY[TLU[VM(NYPJ\S[\YL" Garth B. Rieman5H[PVUHS*V\UJPSVM:[H[L/V\ZPUN(\[OVYP[PLZ"Tom Rose<:+LWHY[TLU[VM/V\ZPUNHUK

Historic Tax Credits: A Critical Tool in Revitalization Efforts /PZ[VYPJ[H_JYLKP[ZHYLH]HS\HISL[VVS[VWYLZLY]LPTWVY[HU[J\S[\YHSHZZL[ZHUK[VYLWVZP[PVUWYVWLY[PLZHUKJVTT\UP[PLZ [V^HYKZ\Z[HPUHISLLJVUVTPJ]HS\L;OPZ^VYRZOVW^PSSKPZJ\ZZ^OLUHUKOV^OPZ[VYPJ[H_JYLKP[ZHYL\ZLKPUÄUHUJPUNWYVW- erty renovations, examples of successful property and community revitalization efforts, the performance of historic tax credits HZHUPU]LZ[TLU[HUK[OLYVSL[OH[IHURZOH]LWSH`LKPUÄUHUJPUNOPZ[VYPJ[H_JYLKP[YLUV]H[PVUZ(Gold Ballroom, Salon 4) John Leith-Tetrault5H[PVUHS;Y\Z[*VTT\UP[`0U]LZ[TLU[*VYWVYH[PVU"Leigh Ann Smith)HURVM(TLYPJH" Michael Novogradac5V]VNYHKHJHUK*VTWHU`"Barry Wides6MÄJLVM[OL*VTW[YVSSLYVM[OL*\YYLUJ`(moderator)

12 Understanding the Non-Profit Organization +LZPNULKMVY[OVZLUL^[VJVTT\UP[`KL]LSVWTLU[^VYR[OPZ^VYRZOVWWYV]PKLZM\UKHTLU[HSWYPUJPWSLZMVYL]HS\H[PUNH UVUWYVÄ[MYVTZL]LYHSKPMMLYLU[HUNSLZ)LMVYLKLJPKPUN[VPU]LZ[PUHJVTT\UP[ÌHZLKVYNHUPaH[PVUP[PZLZZLU[PHS[OH[`V\ RUVÔV^[VL]HS\H[LP[ZZ[YLUN[OZHUK^LHRULZZLZ0UHUPUMVYTHS^VYRZOVWZL[[PUNHUL_WLY[PU[OLÄLSKVMJVTT\UP[` KL]LSVWTLU[^PSSSLHK`V\PUHKPZJ\ZZPVUVUZV\YJPUNHUKZLSLJ[PUNUVUWYVÄ[VYNHUPaH[PVUZHZWHY[ULYZPUJS\KPUNH ZLNTLU[VU[OLYLZWVUZPIPSP[PLZVMZLY]PUNHZHKPYLJ[VYVUHUVUWYVÄ[IVHYK;OPZZLZZPVUPZHWWYVWYPH[LMVYILNPUULYZHUK PZYLJVTTLUKLKMVY[OVZLPU[LYLZ[LKPU[HRPUN[OL*VTT\UP[`-HJPSP[PLZ

1:30 – 3:00

The Next Community Development Frontier: Outcomes-Based Financing *VTT\UP[`KL]LSVWTLU[OHZHSVUN[YHJRYLJVYKVMZ\JJLZZYLI\PSKPUNULPNOIVYOVVKZVMWV]LY[`;OH[^VYR^V\SK ILLUOHUJLKI`V\[JVTLZIHZLKÄUHUJPUN[VVSZ[OH[ZWLJPÄJHSS`[HYNL[O\THUJHWP[HSKL]LSVWTLU[,3+3LNHJ`.YV\W(moderator) Innovations in Public Welfare Investment Opportunities: Moving the Dial on Community Development Finance 0UJYLHZPUNHJJLZZ[VJYLKP[HUKJHWP[HSPU\UKLYZLY]LK\YIHUHUKY\YHSHYLHZPZHJOHSSLUNLMHJPUNTHUÌHURZ;VPUJYLHZL THYRL[WLUL[YH[PVUHUKOLSWTV]LI\ZPULZZLZVYNHUPaH[PVUZHUKPUKP]PK\HSZPU[VTVYL[YHKP[PVUHSIHURPUNYLSH[PVUZOPWZ THUÌHURZTHRLKPYLJ[HUKPUKPYLJ[JVTT\UP[`KL]LSVWTLU[LX\P[`PU]LZ[TLU[ZHUKLUNHNLPUV[OLYHJ[P]P[PLZ[OH[ Z\WWSLTLU[[OLPYYLN\SHYSVHUZHUKZLY]PJLZ5H[PVUHSIHURZZ[H[LTLTILYIHURZUVUTLTILYIHURZHUKMLKLYHSZH]PUNZ HZZVJPH[PVUZOH]L[OLSLNHSH\[OVYP[`[VTHRLW\ISPJ^LSMHYLPU]LZ[TLU[Z[OH[YLZ\S[PUSVUN[LYTPTWHJ[PU[OLJVTT\UP[PLZ [OL`ZLY]L;OPZZLZZPVU^PSSWYV]PKLPUMVYTH[PVUHIV\[LHJOVM[OLHNLUJPLZ»SLNHSH\[OVYP[PLZHUKWYVJLZZLZMVYIHURZ THRPUNW\ISPJ^LSMHYLPU]LZ[TLU[Z7HULSPZ[Z^PSSHSZVKPZJ\ZZ[OLZPTPSHYP[PLZHUKKPMMLYLUJLZIL[^LLUPU]LZ[TLU[Z THKL[OYV\NOW\ISPJ^LSMHYLPU]LZ[TLU[ZHUKX\HSPÄLKPU]LZ[TLU[ZTHKL\UKLY[OL*VTT\UP[`9LPU]LZ[TLU[(J[" KLZJYPIL\UPX\LWHY[ULYZOPWZIL[^LLUIHURZHUKJVTT\UP[ÌHZLKVYNHUPaH[PVUZNV]LYUTLU[HNLUJPLZHUKJVTT\UP[` KL]LSVWTLU[PU[LYTLKPHYPLZ"HUKZOV^JHZLHU\TILYVMUL^PU]LZ[TLU[VWWVY[\UP[PLZ0UHKKP[PVUHIHURLY^PSSZOHYLOV^ W\ISPJ^LSMHYLPU]LZ[TLU[ZLUOHUJLHIHUR»ZZ[YH[LN`MVYHKKYLZZPUNSVJHSJHWP[HSHUKJYLKP[ULLKZ(Gold Ballroom, Salon 4) Carl Jenkins)46/HYYPZ)HUR"Marysol McGee)VHYKVM.V]LYUVYZVM[OL-LKLYHS9LZLY]L:`Z[LT" Teresa Perez-LKLYHS+LWVZP[0UZ\YHUJL*VYWVYH[PVU"Karen Bellesi6MÄJLVM[OL*VTW[YVSSLYVM[OL*\YYLUJ`(moderator)

(Monday, 1:30 – 3:00 continued)

13 Connecting to Unbanked Consumers: Opening the Doors with Integrated Services (Z[OL<:LJVUVT`PTWYV]LZTHU`WLVWSLHUKJVTT\UP[PLZYLTHPUJOHSSLUNLKI`ÄUHUJPHS\UJLY[HPU[`:L]LYHS YLZV\YJLM\SHWWYVHJOLZOV^L]LYHYLPTWYV]PUNHJJLZZ[VTHPUZ[YLHTÄUHUJPHSPUZ[P[\[PVUZ;OPZWHULS^PSSPU[YVK\JL PU[LNYH[LKZLY]PJLKLSP]LY`TVKLSZHUKPUUV]H[PVUZ[OH[L_WHUKÄUHUJPHSJHWHIPSP[`PTWYV]LÄUHUJPHSZ[HIPSP[`HUK YLZPSPLUJLHUKPUJYLHZLHJJLZZ[VHMMVYKHISLKLWVZP[HUKJYLKP[ZVS\[PVUZMYVTPUZ\YLKKLWVZP[VY`PUZ[P[\[PVUZ (Gold Ballroom, Salon 3) Sarai Garza*LU[YHS:[H[LZ:,9"Seung Kim3VJHS0UP[PH[P]LZ:\WWVY[*VYWVYH[PVU"Maureen Wilkinson/HYIVY6UL)HUR" Janet R. Gordon-LKLYHS+LWVZP[0UZ\YHUJL*VYWVYH[PVU(moderator)

Affordable Multifamily Rental Housing Underwriting

3:30 – 5:00

Making Communities Investable: Attracting and Leveraging Private Investment for Public Good >OL[OLY[OLNVHSPZLJVUVTPJKL]LSVWTLU[HMMVYKHISLOV\ZPUNLU]PYVUTLU[HSZ\Z[HPUHIPSP[`VYOLHS[OPLYJVTT\UP[PLZ HJOPL]PUNJOHUNLH[ZJHSLYLX\PYLZTVYLPU]LZ[TLU[[OHUW\ISPJZ\IZPKPLZVYWOPSHU[OYVWPJNYHU[KVSSHYZJHUZ\WWS` 4VIPSPaPUNWYP]H[LJHWP[HS[OH[ZLLRZÄUHUJPHSHZ^LSSHZZVJPHSHUKLU]PYVUTLU[HSYL[\YUZZVTL[PTLZJHSSLK¸PTWHJ[ PU]LZ[TLU[¹JHUOLSWYL]P[HSPaLJVTT\UP[PLZHUKHJOPL]LPTWVY[HU[W\ISPJNVHSZI\[ÔH[KVLZP[[HRL[VH[[YHJ[HUK KLWSV`JHWP[HSMVYW\ISPJNVVK&;OPZZLZZPVU^PSSPU[YVK\JL[OLMYHTL^VYRVM¸JHWP[HSHIZVYW[PVU¹[VKPZJ\ZZOV^SLHKLYZ can assess and improve their community’s investment system to achieve social and environmental goals. Participants ^PSSSLHYUOV^[VHY[PJ\SH[LZ[YH[LNPJWYPVYP[PLZMVYPU]LZ[TLU[I\PSKHTVYLYVI\Z[ZL[VMPU]LZ[HISLVWWVY[\UP[PLZ^P[O JVTT\UP[ÌLULÄ[ZHUKLUOHUJL[OLLUHISPUNLU]PYVUTLU[PUÔPJOKLHSZHUKWYVQLJ[ZJHUTV]LMVY^HYK (Gold Ballroom, Salon 2) Robin Hacke2YLZNL-V\UKH[PVU" Mercedes Márquez4HYX\La*VTT\UP[`:[YH[LN`"Dace West4PSL/PNO*VUULJ[Z" Thomas Tsun-Hung Yee3(;/90=,:"Leilani Pinho Barnett-LKLYHS9LZLY]L)HURVM:HU-YHUJPZJV(moderator) Ensuring Workforce Development Investments Work for CRA +VJ\TLU[PUN[OL*9(LSPNPISP[`VMPU]LZ[TLU[ZPU^VYRMVYJLKL]LSVWTLU[MVY340PUKP]PK\HSZJHUIL[YPJR`+VLZLSPNPIPSP[` KLWLUKVU[OLZ[HY[PUN^HNLI\ZPULZZSVJH[PVUVYHKKYLZZVM[OLWLYZVUILPUN[YHPULK&7HULSPZ[Z^PSSKPZJ\ZZWLUKPUN 8 (Z[OH[HYLPU[LUKLK[VJSHYPM`[OLLSPNPIPSP[`VM^VYRMVYJLKL]LSVWTLU[WYVNYHTZHUKOPNOSPNO[PUUV]H[P]LWHY[ULYZOPWZ [OH[OLSWIHURZÄUKX\HSPÄLK[HSLU[MVYLU[Y`SL]LSWVZP[PVUZ(Gold Ballroom, Salon 1) Colleen Anderson)HUR>VYRZ"Ann Carpenter-LKLYHS9LZLY]L)HURVM([SHU[H"Alissa Friedman6WWVY[\UP[`1\UJ[PVU" Lena Robinson-LKLYHS9LZLY]L)HURVM:HU-YHUJPZJV(moderator) Yes, Cross-sector Approaches are Necessary, but Where’s the Manual? :VJPHSJOHUNLWYHJ[P[PVULYZHYL[HRPUNTVYLT\S[PZLJ[VYHSHWWYVHJOLZ[VHKKYLZZJVTWSL_ZVJPHSWYVISLTZZ\JOHZWV]LY[` LK\JH[PVUHUKOLHS[O(KKYLZZPUN[OLZLKLLWYVV[LKWYVISLTZVM[LUYLX\PYLZPUUV]H[P]LHUKWPVULLYPUNHWWYVHJOLZ( UL^YLWVY[WYV]PKLZKLLWPUZPNO[PU[VÔH[»Z^VYRPUNHUKÔH[»ZUV[HUKPU[OPZZLZZPVUYLZLHYJOLYZHUKWYHJ[P[PVULYZ^PSS KPZJ\ZZ[OLÄUKPUNZ(Plaza 3) Tynesia Boyea-Robinson3P]PUN*P[PLZ"Luis Granados4PZZPVU,JVUVTPJ+L]LSVWTLU[(NLUJ`"Melinda Pollack, Enterprise *VTT\UP[`7HY[ULYZ"Devon Winey4[(\I\YU(ZZVJPH[LZ"John Moon-LKLYHS9LZLY]L)HURVM:HU-YHUJPZJV(moderator)

14 Understanding the Mechanics of Pay for Success and Social Impact Bonds ;OPZ^VYRZOVW^PSSSVVR\UKLY[OLOVVKVMZL]LYHS7H`MVY:\JJLZZWYVQLJ[ZPU[OL

Community Investing 101 ;OPZZLZZPVU^PSSPU[YVK\JLZVTLVM[OLTVZ[JVTTVUPU]LZ[TLU[]LOPJSLZ\ZLKPUJVTT\UP[`KL]LSVWTLU[ÄUHUJL PUJS\KPUN3V^0UJVTL/V\ZPUN;H_*YLKP[Z5L^4HYRL[Z;H_*YLKP[ZHUK*9(LSPNPISLÄ_LKPUJVTLZLJ\YP[PLZ (Gold Ballroom, Salon 4) Daniel Alger.VSKTHU:HJOZ"Rachel Firschein9H`TVUK1HTLZ-PUHUJPHS0UJ"Jonathan Kivell:HUKSLY6»5LPSS7HY[ULYZ37" William Dowling,-LKLYHS9LZLY]L)HURVM:HU-YHUJPZJV(moderator)

Tuesday, February 9 8:30 – 10:00

Connecting to the Banking System: Accounts and Access (JJLZZ[VHZHMLHUKHMMVYKHISLHJJV\U[PZM\UKHTLU[HS[VILNPUUPUNHTLHUPUNM\SIHURPUNYLSH[PVUZOPW7HULSPZ[Z^PSS OPNOSPNO[LSLTLU[ZTVZ[PTWHJ[M\S[V[OL\UIHURLKHUK^PSSMLH[\YL[OLTVZ[Z\JJLZZM\STVKLSZMVYLZ[HISPZOPUNHUK expanding account access. (Gold Ballroom, Salon 1) Rani Boukerrou2L`)HUR"David Ehrich*P[PLZMVY-PUHUJPHS,TWV^LYTLU[-\UK"Jonathan Miller-LKLYHS+LWVZP[0UZ\YHUJL *VYWVYH[PVU"Eloy Villafranca-LKLYHS+LWVZP[0UZ\YHUJL*VYWVYH[PVU(moderator) Investing in Small Business Investment Companies :THSS)\ZPULZZ0U]LZ[TLU[*VTWHUPLZ:)0*ZHYLWYP]H[LS`V^ULKHUKTHUHNLKPU]LZ[TLU[M\UKZ[OH[[OL<::THSS )\ZPULZZ(KTPUPZ[YH[PVU:)(SPJLUZLZHUKYLN\SH[LZ;OL:)0*SPJLUZLHSSV^Z:)0*Z[VLTWSV`WYP]H[LJHWP[HSHUK:)( SL]LYHNL[VTHRLPU]LZ[TLU[ZPUX\HSPM`PUNZTHSSI\ZPULZZLZHUKZTHSSLYLU[LYWYPZLZHZKLÄULKI`:)(YLN\SH[PVUZ0U HKKP[PVU[V[OLWV[LU[PHSMVYTHRPUNJVTWL[P[P]LYL[\YUZIHURPU]LZ[TLU[ZPU:)0*ZHYLJVUZPKLYLKX\HSPÄLKJVTT\UP[` KL]LSVWTLU[PU]LZ[TLU[ZHYLL_LTW[MYVT[OL=VSRLY9\SLHUKTH`ILLSPNPISLMVY*9(JVUZPKLYH[PVU1VPU[OPZZLZZPVU[V SLHYUTVYLHIV\[[OPZPU]LZ[TLU[]LOPJSL(Gold Ballroom, Salon 2) Samuel J. Boyd, Jr<::THSS)\ZPULZZ(KTPUPZ[YH[PVU"Chris Hayes,ZX:THSS)\ZPULZZ0U]LZ[VY(SSPHUJL"Tim Rafalovich, Wells -HYNV*VTT\UP[`3LUKPUNHUK0U]LZ[TLU["Ammar Askari6MÄJLVM[OL*VTW[YVSSLYVM[OL*\YYLUJ`(moderator) Financial Innovation: Improving Credit Access for Small Businesses :THSSI\ZPULZZLZHYLKLUPLKJYLKP[ [PTLZHKH`PU[OL

Crisis in Rural Housing: USDA Section 515 Rural Rental Housing >OH[PZ[OLTVZ[LUKHUNLYLKHUKSHYNLZ[JVUJLU[YH[PVUVMZ\IZPKPaLKHMMVYKHISLOV\ZPUNPU[OLJV\U[Y`HIV\[^OPJO `V\WYVIHIS`RUV^SP[[SLVYUV[OPUN&5LHYS`(TLYPJHUZ LHYUPUNSLZZ[OHU H`LHYSP]LPU<:+( :LJ[PVU9\YHS9LU[HS/V\ZPUNWYVWLY[PLZ;OLJV]LUHU[ZWYLZLY]PUN[OLHMMVYKHIPSP[`VM[OLZLWYPTHYPS`WYP]H[LS`V^ULK WYVWLY[PLZHYLL_WPYPUN^P[OV\[HU`JSLHYWSHUMVY[OLPYWYLZLY]H[PVU([[LUK[OPZZLZZPVU[VSLHYUTVYLHIV\[[OLJH\ZLZHUK PTWHJ[VM[OPZJYPZPZHZ^LSSHZZVTLJYLH[P]LZVS\[PVUZ(Plaza 1) Gideon Anders5H[PVUHS/V\ZPUN3H^7YVQLJ["Larry Anderson9\YHS/V\ZPUN7YLZLY]H[PVU(ZZVJPH[LZ" Robyn Bipes.YLH[LY4PUULZV[H/V\ZPUN-\UK"E. Carlton Jarratt<:+LWHY[TLU[VM(NYPJ\S[\YL9\YHS+L]LSVWTLU[" Tim Herwig6MÄJLVM[OL*VTW[YVSSLYVM[OL*\YYLUJ`(moderator)

(Tuesday, 8:30 – 10:00 continued) 15 Community Facilities Underwriting Community facilities such as early childhood education centers, charter schools, health clinics and community centers HYL]P[HSULPNOIVYOVVKHZZL[Z[OH[JVTL^P[O\UPX\L\UKLY^YP[PUNHUKLJVUVTPJPZZ\LZYLX\PYPUNZWLJPHSH[[LU[PVU0U [OPZ^VYRZOVWHZLHZVULKJVTT\UP[`KL]LSVWTLU[SLUKPUNL_WLY[^PSSL_WSHPU[OLU\HUJLZVMJVTT\UP[`MHJPSP[PLZ ÄUHUJPUNYLX\LZ[Z\ZPUNYLHSSVHUL_HTWSLZ;OPZZLZZPVU^PSSPUJS\KLHKPZJ\ZZPVUVU[OLJHWHJP[`VM[OLWYV]PKLY[OL ZV\YJLZVMYL]LU\LJHWP[HSÄUHUJPUNZ[Y\J[\YLZHUKYPZRTP[PNH[PVU;OLJVU[LU[PZKLZPNULKMVYJVTT\UP[`KL]LSVWTLU[ SVHU\UKLY^YP[LYZ3LZZL_WLYPLUJLKWHY[PJPWHU[ZZOV\SKH[[LUK[OL

Reinvesting in Neighborhood Commercial Districts 0U[OLSHUKVMZ\I\YIHUTHSSZ\YIHUI\ZPULZZKPZ[YPJ[ZHUKZTHSS[VÛTHPUZ[YLL[ZJHUZ[PSSWSH`HUPTWVY[HU[YVSLHZ JVTT\UP[`LJVUVTPJHUJOVYZ(KKPUNULÎ\ZPULZZLZZ[YLUN[OLUPUNL_PZ[PUNTLYJOHU[ZHUKLUNHNPUNYLZPKLU[ZHYL LZZLU[PHSHJ[P]P[PLZMVYZ\Z[HPUPUNH]PIYHU[JVYYPKVY;OLYL]P[HSPaH[PVUHUKZ\Z[HPUHIPSP[`VMJVTTLYJPHSJVYYPKVYZHSZV WYLZLU[PU]LZ[HISLVWWVY[\UP[PLZMVYIHURZ7HULSPZ[Z^PSSKLZJYPIL[OLPYZ[YH[LNPLZMVYYL]P[HSPaPUNKPZPU]LZ[LKJVTTLYJPHS ULPNOIVYOVVKZHUKOV^[OL`HYLYLZWVUKPUN[V[OLJOHSSLUNLVMNLU[YPÄJH[PVU(Gold Ballroom, Salon 1) Amanda Elliott9PJOTVUK4HPU:[YLL["Chet Jackson>LZ[/\TIVSK[7HYR+L]LSVWTLU[*V\UJPS"Va-Megn Thoj, Asian Economic +L]LSVWTLU[(ZZVJPH[PVU"Lena Robinson-LKLYHS9LZLY]L)HURVM:HU-YHUJPZJV(moderator) Art as a Resource for Community Development (Y[PZ[ZIYPUNJYLH[P]LPKLHZ[VSPMLHUKSPRLHSSWYVMLZZPVUHSZ[OL`HWWYVHJO[OLPY^VYRI`KYH^PUNMYVTH\UPX\LISLUKVM LK\JH[PVUHUKL_WLYPLUJL*YLH[P]LWSHJLTHRPUNVJJ\YZÔLUHY[PZ[ZHYLPU]P[LK[V^VYR^P[OJVTT\UP[`KL]LSVWTLU[ WYVMLZZPVUHSZ[VPTHNPULKL]LSVWTLU[HSZ[YH[LNPLZHUKJVU[YPI\[L[VHWYVQLJ[»ZZJVWLZJHSLHUKPTWHJ[;OPZWHULS^PSS KPZJ\ZZ[OLPTWHJ[HY[PZ[ZJHUOH]LVUJVTT\UP[`KL]LSVWTLU[HZ^LSSHZOV^[OLHY[ZJHUILIV[OH]LOPJSLHUKHU occasion for community development. (Gold Ballroom, Salon 4) Jamie Bennett(Y[7SHJL(TLYPJH"Kim Dempsey2YLZNL-V\UKH[PVU"Rick Goodemann:V\[O^LZ[4PUULZV[H/V\ZPUN 7HY[ULYZOPW"Samuel Hoi4HY`SHUK0UZ[P[\[L*VSSLNLVM(Y["Letty Shapiro6MÄJLVM[OL*VTW[YVSSLYVM[OL*\YYLUJ`(moderator)

What It’s Worth: Strengthening the Financial Future of Families, Communities, and the Nation 1VPU[OLJVU]LYZH[PVUHZSLHKLYZPU[OLÄLSKVMÄUHUJPHSJHWHIPSP[`KPZJ\ZZ[OPZUL^IVVRW\ISPZOLKI`[OL-LKLYHS9LZLY]L )HURVM:HU-YHUJPZJVHUK*-,+3LHYUHIV\[UL^PUZPNO[ZPU[V[OLYLHSÄUHUJPHSSP]LZVMSV^PUJVTL(TLYPJHUZ[OL PTWHJ[VMKLTVNYHWOPJKYP]LYZVU^LHS[OHUK[OL^H`Z[OH[OV\ZLOVSKÄUHUJPHSZ[HIPSP[`PUÅ\LUJLZ[OLV\[JVTLZVM T\S[PWSLZ`Z[LTZZ\JOHZOV\ZPUNLTWSV`TLU[LK\JH[PVUJYPTPUHSQ\Z[PJLHUKOLHS[O7HULSPZ[Z^PSSL_WSVYL[OL[OLTLZ VMÄUHUJPHSOLHS[OHUK^LSSILPUNMYVTT\S[PWSLHUNSLZHUKKPZJ\ZZ[OLULLKMVYPU[LNYH[LKJYVZZZLJ[VYZVS\[PVUZ (Gold Ballroom, Salon 2) Ray Boshara-LKLYHS9LZLY]L)HURVM:[3V\PZ"Andrea Levere*-,+"Ellen Seidman" Jennifer Tescher*LU[LYMVY-PUHUJPHS:LY]PJLZ0UUV]H[PVU"Laura Choi-LKLYHS9LZLY]L)HURVM:HU-YHUJPZJV(moderator) New Investment Opportunities for LIHTC: Evolving the Foundational Financing Source for Affordable Housing (MMVYKHISLOV\ZPUNPZH[[OLMV\UKH[PVUVMJVTT\UP[`KL]LSVWTLU[1\Z[HZ[OLJVTT\UP[`KL]LSVWTLU[ÄLSKOHZL]VS]LK [VIL[[LYHKKYLZZJVYLJOHSSLUNLZHYV\UKWV]LY[`^P[OHT\S[PZLJ[VYHWWYVHJOHMMVYKHISLOV\ZPUNWYHJ[P[PVULYZHYLTV]PUN [V^HYKH¸OV\ZPUNWS\Z¹Z[YH[LN`^VYRPUN^P[OWHY[ULYZPUV[OLYZLJ[VYZ[VSPUROV\ZPUN^P[OZ\JOHYLHZHZOLHS[OJHYLHUK [YHUZWVY[H[PVU1VPU[OPZZLZZPVU[VSLHYUHIV\[PUUV]H[P]LJYVZZZLJ[VYHWWYVHJOLZ[VOV\ZPUNKL]LSVWTLU[HUKOV^[OLSV^ PUJVTLOV\ZPUN[H_JYLKP[30/;*PZHKHW[PUN[V[OPZUL^LU]PYVUTLU[(Gold Ballroom, Salon 3) Douglas A. Garver6OPV/V\ZPUN-PUHUJL(NLUJ`"Michael Spotts,U[LYWYPZL*VTT\UP[`7HY[ULYZ"Mark Stivers*HSPMVYUPH;H_ *YLKP[(SSVJH[PVU*VTTP[[LL"Gabriella Chiarenza-LKLYHS9LZLY]L)HURVM:HU-YHUJPZJV(moderator)

Commercial Lending in Indian Country ;OPZWHULS^PSSKPZJ\ZZOV^IHURZHYLSLUKPUN[VI\ZPULZZLZPU0UKPHU*V\U[Y`HUK^OH[Z[LWZPU[LYLZ[LKIHURZZOV\SK[HRL [VZOHYLPU[OPZVWWVY[\UP[`9LWYLZLU[H[P]LZMYVTIHURZ[OH[OH]LILLUZ\JJLZZM\SPUSLUKPUNPU0UKPHU*V\U[Y`^PSSZOHYL [OLPYILZ[WYHJ[PJLZ(Plaza 1) Larry Briggs-PYZ[5H[PVUHS)HURHUK;Y\Z[*V"Jay Page-PYZ[5H[PVUHS)HUR(SHZRH"Ross Swimmer5H[P]L(TLYPJHU-\UK (K]PZVYZ33*HUKMVYTLY7YPUJPWHS*OPLM*OLYVRLL5H[PVU"Ammar Askari6MÄJLVM[OL*VTW[YVSSLYVM[OL*\YYLUJ`(moderator)

(Tuesday, 10:30 – 12:00 continued) 16 Practices and Partners for Strong Small Business Customer Relationships ;OLPUÅ\LUJLVMÄUHUJPHSPUZ[P[\[PVUZ[LJOUPJHSHZZPZ[HU[WYV]PKLYZNV]LYUTLU[HNLUJPLZHUKHS[LYUH[P]LSLUKLYZVUZTHSS I\ZPULZZKL]LSVWTLU[PZILJVTPUNPUJYLHZPUNS`PUKPZWLUZHISL;OPZ^VYRZOVWVMMLYZLZZLU[PHSZ[YH[LNPLZ[VJYLH[LHUKMVZ[LY Z[YVUNLYZTHSSI\ZPULZZJ\Z[VTLYYLSH[PVUZOPWZHUK[VZLY]LZTHSSI\ZPULZZJYLKP[ULLKZ7HY[PJPWHU[Z^PSSSLHYUHIV\[PUUV]H- [P]LHUKWYVÄ[HISLWYVNYHTZVMMLYPUNYLZ\S[ZKYP]LUV\[JVTLZ[OH[JHUILHWWSPLKPUKP]LYZLTHYRL[Z[OYV\NOV\[[OLJV\U[Y` (Plaza 2) Constance D. Anderson7HJPÄJ*VHZ[9LNPVUHS:THSS)\ZPULZZ+L]LSVWTLU[*LU[LY"Dan Skaff)LULÄJPHS:[H[L)HUR" Emerson B. Hall-LKLYHS+LWVZP[0UZ\YHUJL*VYWVYH[PVU(moderator)

1:30 – 3:00

Crisis in Multifamily Rental Housing: How Can We Address the Shortage? ;OLWYLZLU[LJVUVTPJHUKKLTVNYHWOPJJPYJ\TZ[HUJLZHYLJYLH[PUNHUPU[LUZLKLTHUKMVYHUK\UKLYZ\WWS`VMYLU[HS \UP[Z;OLTPZTH[JOPZTVZ[HJ\[LMVYHMMVYKHISLHUK^VYRMVYJLYLU[HSOV\ZPUNILJH\ZLTVZ[UL^T\S[PMHTPSÒV\ZPUN KL]LSVWTLU[ZHYLOPNOLUKWYVQLJ[ZHUKVUJLHMMVYKHISLULPNOIVYOVVKZHYLNLU[YPM`PUN;OLZ[YVUNKLTHUKPZM\LSLKI` [OLZSV^QVINYV^[OHM[LYLMMLJ[ZVM[OL.YLH[9LJLZZPVUHUKT\S[PWSLKLJHKLZVMZ[HNUHU[^HNLZLZWLJPHSS`H[[OLSV^LUK VM[OLLJVUVT`(KK[V[OLÄYL[OLPUJYLHZPUNYLU[HSKLTHUKI`[OLHNPUNIHIÌVVTNLULYH[PVUHZ[OLJVOVY[TV]LZPU[V [OL¸KVÛZPaPUN¹Z[HNLHUK[OLL]LYPUJYLHZPUNJVZ[VMJVUZ[Y\J[PVU1VPU[OPZZLZZPVU[VSLHYUHIV\[[OL¸WLYMLJ[Z[VYT¹VM PZZ\LZHMMLJ[PUNWYLZLY]H[PVUHUKUL^JVUZ[Y\J[PVUHUKOV^[OLZLPZZ\LZJHUILHKKYLZZLK(Gold Ballroom, Salon 2) Michael Bodaken5H[PVUHS/V\ZPUN;Y\Z["Pamela Daniels-Halisi)46/HYYPZ)HUR"Ethan Handelman, National Housing *VUMLYLUJL"Denise Kirk-Murray6MÄJLVM[OL*VTW[YVSSLYVM[OL*\YYLUJ`(moderator) Investor Partnerships for Community Development Financial Institutions )HURZHUKV[OLYPU]LZ[VYZWHY[ULY^P[O*VTT\UP[`+L]LSVWTLU[-PUHUJPHS0UZ[P[\[PVUZ*+-0Z[VLU[LYUPJOLTHYRL[Z J\S[P]H[LM\[\YLJ\Z[VTLYZHUKKLSP]LYTHPUZ[YLHTHUKHS[LYUH[P]LÄUHUJPHSWYVK\J[ZHUKZLY]PJLZ[V\UKLYZLY]LK JVTT\UP[PLZ;OL`HSZVKLWLUKVU*+-0Z[V\UKLYZ[HUK[OLPYSVJHSTHYRL[ZHUKTHUHNLYPZRZ;OPZZLZZPVU^PSSKPZJ\ZZ[OL ]HYPV\Z^H`ZPUÔPJO*+-0ZJHUWHY[ULY^P[OIHURZMV\UKH[PVUZHUKV[OLYPU]LZ[VYZ[VHZZPZ[[OLTPUI\PSKPUNJHWHJP[` 0[^PSSHSZVOLSW*+-0Z\UKLYZ[HUKHUKHWWSÌLZ[WYHJ[PJLZ[VPKLU[PM`J\S[P]H[LHUKTHPU[HPUUL^HUKL_PZ[PUNPU]LZ[VY YLSH[PVUZOPWZPUHUL]LYJOHUNPUNNSVIHSLJVUVT`(Gold Ballroom, Salon 3) Bob Annibale*P[P"Kimberlee Cornett2YLZNL-V\UKH[PVU"J. Reymundo Ocañas))=(*VTWHZZ" Tricia Kerney-Willis*+-0-\UK(moderator) Climate-wise Community Development >OH[KVLZP[TLHUMVYJVTT\UP[`KL]LSVWTLU[[VILJSPTH[L^PZL&>OH[^PSSP[[HRLMVY[OLPUK\Z[Y`[VNL[[OLYL& +\YPUN[OPZZLZZPVUWHULSPZ[Z^PSSKPZJ\ZZOV^[OLJVTT\UP[`KL]LSVWTLU[PUK\Z[Y`JHUHK]HUJLLMMVY[Z[VPUJVYWVYH[L LU]PYVUTLU[HSZLUZP[P]P[`PUWYVNYHTZHUKPU]LZ[TLU[ZPUSV^HUKTVKLYH[LPUJVTLJVTT\UP[PLZJVUZPKLYPUN[VWPJZSPRL NYLLUPUMYHZ[Y\J[\YLHUKLX\P[HISL[YHUZP[VYPLU[LKKL]LSVWTLU[(Plaza 1) Laurel Blatchford,U[LYWYPZL*VTT\UP[`7HY[ULYZ"Lindy Hahn4VYNHU:[HUSL`"Shelly Poticha, Natural Resources Defense *V\UJPS"Naomi Cytron-LKLYHS9LZLY]L)HURVM:HU-YHUJPZJV(moderator) Advocates and Bankers: How Collaboration Can Produce Better Results for All +L]LSVWPUNZ[YVUNLYT\[\HSHSPNUTLU[IL[^LLUIHURZHUKHK]VJH[LZJHUWYVK\JLTVYLK\YHISLYLZ\S[ZMVYJVTT\UP[PLZ 0U[OPZZLZZPVUWHULSPZ[Z^PSSZOHYLTVKLSZVMOV^HK]VJH[LZHUKIHURZOH]LKL]LSVWLKZ[YVUNLYPTWHJ[PUSV^PUJVTL JVTT\UP[PLZ[OYV\NOPTWYV]LK*9(WLYMVYTHUJL[OH[TLL[ZI\ZPULZZHUKJVTT\UP[`NVHSZ(Gold Ballroom, Salon 4) Paulina Gonzalez*HSPMVYUPH9LPU]LZ[TLU[*VHSP[PVU"Alexis Iwanisziw5L^,JVUVT`7YVQLJ["Peter Skillern, Reinvestment 7HY[ULYZ"Dory Rand>VVKZ[VJR0UZ[P[\[L"John Moon-LKLYHS9LZLY]L)HURVM:HU-YHUJPZJV(moderator)

Promising Approaches to Build Financial Capability for Youth *OHUJLZHYL`V\YIHURZ\WWVY[ZVYWYV]PKLZÄUHUJPHSLK\JH[PVU[V`V\UNWLVWSLI\[PZ`V\YWYVNYHTKLZPNULK[VZ\WWVY[ SVUN[LYTÄUHUJPHSJHWHIPSP[`&;OPZ^VYRZOVW^PSSL_WSVYLOV^L_WLYPLU[PHSSLHYUPUNVYSLHYUPUN^OPSLKVPUNVULVM[OL ILZ[^H`Z[VYLPUMVYJLSLHYUPUNVUHSTVZ[L]LY`Z\IQLJ[¶PZILPUN\ZLKI`ÄUHUJPHSPUZ[P[\[PVUZ[VPU[YVK\JL`V\UNWLVWSL [VM\UKHTLU[HSÄUHUJPHSWYPUJPWHSZ;OPZ^VYRZOVW^PSSOPNOSPNO[`V\[OZH]PUNZWYVNYHTZHUKLU[YLWYLUL\YZOPWLK\JH[PVU WYVNYHTZHSVUN^P[OOV^PU]VS]PUNWHYLU[ZPU[OLSLHYUPUNWYVJLZZJHUYLPUMVYJLRL`SLZZVUZ(Plaza 3) Dora Brown and Jennifer Nava0U[LYUH[PVUHS)HURVM*VTTLYJL"Mary Ehrsam6WLYH[PVU/VWL"Scott Fujii)HURVM/H^HPP" Ron Jauregui-LKLYHS+LWVZP[0UZ\YHUJL*VYWVYH[PVU"Alana Parker-PYZ[4L[YV)HUR"Angelisa Harris-LKLYHS+LWVZP[0UZ\YHUJL Corporation (moderator)

(Tuesday, 1:30 – 3:00 continued) 17 (Tuesday, 1:30 – 3:00 continued)

Improving Diversity in Financial Services +P]LYZP[`PUOPYPUNHUK]LUKVYZLSLJ[PVUPZYLJVNUPaLKHZHILZ[WYHJ[PJL[VLUZ\YL[OH[HJVTWHU`»Z^VYRMVYJLHUKZ\WWSPLYZ YLÅLJ[[OLYHWPKS`JOHUNPUNT\S[PJ\S[\YHSTHYRL[WSHJL0TWYV]PUNKP]LYZP[`PZHSZVLZZLU[PHS[VL_WHUKLJVUVTPJWYVZWLYP[` [VOPZ[VYPJHSS`\UKLYZLY]LKWVW\SH[PVUZ4HU`ÄUHUJPHSPUZ[P[\[PVUZOH]LSVUNLTIYHJLK[OPZUV[PVU;OLYLJLU[+VKK -YHURTHUKH[L[OH[YLN\SH[VY`HNLUJPLZJYLH[LHUVMÄJLKLKPJH[LK[VTPUVYP[`HUK^VTLUPUJS\ZPVU64>0L_WHUKZ[OL VWWVY[\UP[`MVYUL^WHY[ULYZOPWZHUKZ[YH[LNPLZ;OPZZLZZPVU^PSSL_WSVYLOV^YLN\SH[VY`HNLUJPLZHUKÄUHUJPHSPUZ[P[\[PVUZ HYLJ\S[P]H[PUNLTWSV`LL[HSLU[HUKUL^Z\WWSPLYZ[VWYVTV[LKP]LYZP[`PUÄUHUJPHSZLY]PJLZHUKHUHS`aLZVTLVM[OLO\YKSLZ [OH[OH]LILLUV]LYJVTL(Plaza 2) Richard Chacon

Investing in Health: How Banks Can Invest in Improving the Social Determinants of Health *VTT\UP[`KL]LSVWTLU[PU]LZ[ZTVYL[OHUHIPSSPVUKVSSHYZHUU\HSS`[VHKKYLZZ[OL\WZ[YLHTZVJPHSKL[LYTPUHU[ZVMOLHS[O ;OPZZLZZPVU^PSSOPNOSPNO[[OLKLI[HUKLX\P[`]LOPJSLZ[OH[HYLH]HPSHISL[VKH`HUK[YLUKZPU[OPZNYV^PUNZLNTLU[VMV\Y^VYR (Gold Ballroom, Salon 1) Audrey Choi4VYNHU:[HUSL`"Maggie Super Church*VUZ\S[HU["Kimberlee Cornett2YLZNL-V\UKH[PVU" Dr. Douglas Jutte)\PSK/LHS[O`7SHJLZ5L[^VYR(moderator) Achieving Commercial Success and Sustainable Social Beneﬁts ;OPZZLZZPVU^PSSOPNOSPNO[[OL\UPX\LMLH[\YLZVMTPZZPVUVYPLU[LKIHURZ>VYRZOVWWHY[PJPWHU[Z^PSSL_WSVYL[OLHWWSPJHIPSP[` VM[OLZLMLH[\YLZ[V[YHKP[PVUHSIHURPUNVWLYH[PVUZHUK[VUL^ZVJPHS]LU[\YLZ(Plaza 2) Jane Henderson=PYNPUPH*VTT\UP[`*HWP[HS*VTT\UP[`*HWP[HS)HURVM=PYNPUPH"Salvador Menjivar)LULÄJPHS:[H[L-V\UKH[PVU" David Reiling:\UYPZL)HURZ"Vince Siciliano5L^9LZV\YJL)HUR" David Black6MÄJLVM[OL*VTW[YVSSLYVM[OL*\YYLUJ`(moderator)

It Takes a Village: Ending Chronic Homelessness and the Vital Role of Financial Institutions ,UKPUNJOYVUPJOVTLSLZZULZZPZHUV]LY^OLSTPUNJOHSSLUNL[OH[JHU»[ILZVS]LKI`HU`VULLU[P[`(SSZLJ[VYZT\Z[JVU]LYNL HYV\UKHOVSPZ[PJZ[YH[LN`HUKÄUHUJPHSPUZ[P[\[PVUZJHUILRL`WHY[ULYZPUWYV]PKPUNHJJLZZ[VJHWP[HS[LJOUPJHSHZZPZ[HUJL HUKSLHKLYZOPW;OPZZLZZPVU^PSSWYV]PKLHUV]LY]PL^VMUH[PVUHSHUKYLNPVUHSILZ[WYHJ[PJLZ[VLUKOVTLSLZZULZZHSVUN ^P[OL_HTWSLZVMWHY[ULYZOPWZIL[^LLUÄUHUJPHSPUZ[P[\[PVUZHUKJVTT\UP[`KL]LSVWLYZ(Gold Ballroom, Salon 2) Elaine Gimmel,TLYHSK+L]LSVWTLU[HUK,JVUVTPJ5L[^VYR0UJ"Chris Ko/VTLMVY.VVK"Peter Lynn, Los Angeles Homeless :LY]PJLZ(\[OVYP[`"Kevin J. Nowak2L`)HUR"Amy Sawyer, U.S. Interagency Council on Homelessness (moderator)

Developing, Financing, and Managing Scatter-site Single Family Housing ;OLJVTT\UP[`KL]LSVWTLU[PUK\Z[Y`^HZUV[HISL[VTV]LX\PJRS`K\YPUN[OL.YLH[9LJLZZPVU[VW\YJOHZLZPUNSLMHTPS` OV\ZPUNZ[VJRPUKPZ[YLZZLKULPNOIVYOVVKZ[VWYV]PKLULPNOIVYOVVKZ[HIPSPaH[PVUVYI\PSK[OLHMMVYKHISLOV\ZPUNPU]LU[VY` ;OPZ^VYRZOVW^PSSL_WSVYLSLZZVUZSLHYULKWYVTPZPUNUL^WYHJ[PJLZHUK[OLYVSLMVYIHURZ(Plaza 1) Sean Closkey and Ira Goldstein;OL9LPU]LZ[TLU[-\UK"Calvin Keene, Memorial Baptist Church

Using Credit Enhancement Programs to Expand Small Business Lending 3LUKPUN[VZTHSSI\ZPULZZLZPZHUPTWVY[HU[HZWLJ[VMTLL[PUN[OLJYLKP[ULLKZVM`V\YJVTT\UP[PLZHUKMVYZVTL PUZ[P[\[PVUZP[PZJYP[PJHS[VHJOPL]PUNHZH[PZMHJ[VY`*9(YH[PUN4HUÌ\ZPULZZLZOV^L]LYHYLUV[YLHK`MVYIHURSVHUZ 6M[LUV]LYSVVRLKVW[PVUZMVYJYLKP[LUOHUJLTLU[HYLSVHUN\HYHU[LLHUKPUZ\YHUJLWYVNYHTZ[OH[HYLVMMLYLKI`L]LY`Z[H[L /LHYMYVTHIHURLYHIV\[Ô`HUKOVÔPZPUZ[P[\[PVUOHZJOVZLU[VPTWSLTLU[[OL:[H[L:THSS)\ZPULZZ*YLKP[0UP[PH[P]L ::)*0HJYVZZ[OLPYT\S[PZ[H[LMVV[WYPU[HUKMYVTH;YLHZ\Y`VMÄJPHSHIV\[[OLU\TLYV\Z[VVSZH]HPSHISL[OYV\NO::)*0 (Gold Ballroom, Salon 4) David Jackson-PM[O;OPYK)HUR"Jeffrey Stout<:+LWHY[TLU[VM[OL;YLHZ\Y`

18 COMMUNITY TOURS

All tours will be held Monday, February 8, from 1:30 to 5:00 PM. Pre-registration is required for tours. If you’re not sure if you pre-registered, please check with staff at the registration desk. Urban Solutions in Action 1VPU\ZMYVTKVÛ[VÛ4L[YV3([V,HZ[3(HZ^LL_WSVYLWSHJLIHZLKJVTT\UP[`PUP[PH[P]LZHUKHYLUVÛLKZVJPHS LU[LYWYPZL7HY[PJPWHU[Z^PSS]PZP[[OL3P[[SL;VR`V:LY]PJL*LU[LY[VKPZJ\ZZP[ZMVJ\ZVMWYLZLY]PUNOPZ[VYPJHSJ\S[\YLHUK HMMVYKHISLOV\ZPUN"[OL,HZ[3(*VTT\UP[`*VYWVYH[PVU[VSLHYUHIV\[P[ZHU[PNLU[YPÄJH[PVUZ[YH[LNPLZ"HUK/VTLIV` 0UK\Z[YPLZ[VL_WSVYLH]HYPL[`VMZVJPHSLU[LYWYPZLZ[OH[JYLH[LQVIZMVYMVYTLYNHUNPU]VS]LKHUKWYL]PV\ZS`PUJHYJLYH[LK TLUHUK^VTLU;OLYV\[L^PSSHSZVWHZZ;OL)YVHKJVU[LTWVYHY`HY[T\ZL\T[OL+PZUL`*VUJLY[/HSS.YHUK7HYR HUK:LSM/LSW.YHWOPJZ Betty Avila,:LSM/LSW.YHWOPJZ"Isela Gracian,HZ[3(*VTT\UP[`*VYWVYH[PVU"Andrew Gross;OVTHZ:HMYHU (ZZVJPH[LZ" Dean Matsubayashi3P[[SL;VR`V:LY]PJL*LU[LY"Jan Perry, City of Los Angeles Economic and Workforce Development +LWHY[TLU["Nick Saponara3VZ(UNLSLZ*V\U[`4L[YVWVSP[HU;YHUZWVY[H[PVU(\[OVYP[`"Thomas Vozzo/VTLIV`0UK\Z[YPLZ A River Runs Through It: Urban Waters Revitalization meets Community Development (ZLYPLZVMKL]HZ[H[PUNÅVVKZPU SLK[V[OLJVUJYL[LJOHUULSPaH[PVUVM[OL3(9P]LYI\[HUL^PUP[PH[P]LHPTZ to restore the natural river and revitalize communities through civic and recreational development, environmental YLZ[VYH[PVUHUKLJVUVTPJKL]LSVWTLU[;OLTHZ[LYWSHUMVY[OL3(9P]LYPZWHY[VMHUH[PVUHSLMMVY[[VPTWYV]L\YIHU ^H[LY^H`ZYLJVNUPaPUN[OLPYJLU[YHSP[`[V[OLOLHS[OHUKM\[\YLVMJP[PLZL]LY`ÔLYL*VTLSLHYUMYVTSVJHSL_WLY[Z [HRLH^HSRHSVUN[OLYP]LYWH[OHUKZLL[OLKL]LSVWTLU[PUWYVNYLZZ^P[OHWHY[PJ\SHYMVJ\ZVU[OLPTWHJ[VM[OPZ WYVQLJ[VUSV^PUJVTLULPNOIVYOVVKZ Carol Armstrong3(9P]LY>VYRZ6MÄJLVM4H`VY,YPJ.HYJL[[P"Antonio Bermudez4J*VYTHJR)HYVU:HSHaHY" Rick Cortez9(*+LZPNU)\PSK"Kea Duggan3VZ(UNLSLZ*VUZLY]H[PVU*VYWZ"Pauline LouieH[LYZ-LKLYHS7HY[ULYZOPW" Kevin Mulcahy9(*+LZPNU)\PSK"Ed Reyes*P]PJ3LHKLYHUKMVYTLY*P[`*V\UJPSTHU"2H[:\WLYÄZR`.YVÛPU3( South Los Angeles: A Changing Landscape of Placemaking 6U[OPZ[V\YWHY[PJPWHU[Z^PSSSLHYUHIV\[[OLOPZ[VY`VM:V\[O3VZ(UNLSLZP[ZJ\YYLU[ZVJPVLJVUVTPJPUKPJH[VYZHUK [OLTHU`Z\Z[HPUHISLJVTT\UP[`LJVUVTPJKL]LSVWTLU[HJJVTWSPZOTLU[ZPU[OPZ]PIYHU[OPZ[VYPJHSYLNPVUVM3VZ (UNLSLZ*V\U[`;OL[V\Y^PSSZ[VWH[ZVTLVM[OLVYNHUPaH[PVUZHUKSVJH[PVUZ[OH[LTIVK`LJVUVTPJKL]LSVWTLU[HUK ULPNOIVYOVVKYL]P[HSPaH[PVUHUK[OH[KLÄULWSHJLTHRPUNPU:V\[O3(PUJS\KPUN[OL4HNUVSPH7SHJL-HTPS`*LU[LY[OL >LZ[(UNLSLZ*VTT\UP[`+L]LSVWTLU[*VYWVYH[PVU[OL=LYTVU[:SH\ZVU,JVUVTPJ+L]LSVWTLU[*VYWVYH[PVUHUK [OL+\UIHY/V[LS *V\UJPSTLTILYMarqueece Harris-Dawson*P[`VM3VZ(UNLSLZ"Manuel Pastor, USC Program for Environmental HUK9LNPVUHS,X\P[`"Lila Guirguis4HNUVSPH*VTT\UP[`0UP[PH[P]L*OPSKYLU»Z)\YLH\" Beatriz Solis;OL*HSPMVYUPH,UKV^TLU["Mark Wilson*VHSP[PVUMVY9LZWVUZPISL*VTT\UP[` Hurrah for Hollywood! Community and Economic Development from Tinseltown and West Hollywood to the Promise Zone 2UVÛHZ[OLTV]PLJHWP[HSVM[OL^VYSK/VSS`^VVKPZZÙVU`TV\Z^P[ONSP[aNSHTV\YHUKL_JP[LTLU[I\[P[PZHSZV HJVTWSL_T\S[PJ\S[\YHSULPNOIVYOVVKVM]LYÒPNO[V]LY`SV^^LHS[OHUKPUJVTL0[PZHSZVVULVMTHU`3VZ(UNLSLZ ULPNOIVYOVVKZZ[Y\NNSPUN[VHKKYLZZPUJYLHZPUNSÒPNOJOYVUPJOVTLSLZZULZZHJYVZZ[OLZWLJ[Y\TVMHNLHUKYHJL6U [OPZ^HSRPUNHUK[YHUZP[[V\YWHY[PJPWHU[Z^PSSZLLOV^JVVWLYH[PVUHUKPUUV]H[PVUOH]LYLZ\S[LKPUTVYL[OHU )PU W\ISPJHUKWYP]H[LPU]LZ[TLU[ZPUJVTT\UP[`HUKLJVUVTPJKL]LSVWTLU[MVY[OLTVZ[]\SULYHISL;OLYV\[L^PSSVMMLY VWWVY[\UP[PLZ[VL_WSVYL[OL[YHUZP[VYPLU[LK[YHUZMVYTH[PVUVMOPZ[VYPJ/VSS`^VVK)S]KSVJHSJVTTLYJPHSJVYYPKVYZHUK Z\YYV\UKPUNULPNOIVYOVVKZHUK[OL3VZ(UNLSLZ7YVTPZLAVUL Amy Anderson7(;/=LU[\YLZ"Alison Becker6MÄJLVM4H`VY,YPJ.HYJL[[P"Robin Conerly>LZ[/VSS`^VVK*VTT\UP[` /V\ZPUN*VYWVYH[PVU"Sarah Dusseault6MÄJLVM*V\UJPSTLTILY+H]PK,9`\"Leron Gubler/VSS`^VVK*OHTILYVM*VTTLYJL" Maura Johnson/VSS`^VVK*VTT\UP[`/V\ZPUN*VYWVYH[PVU"Maria Joyce Maynard)HURVM(TLYPJH"Jacqueline Waggoner, ,U[LYWYPZL*VTT\UP[`7HY[ULYZ0UJ"Erich Yost4HUHNLTLU[(UHS`Z[*VTT\UP[`0UP[PH[P]LZ

19 KEYNOTE SPEAKERS

Roberto Barragán Thomas J. Curry President and CEO Comptroller of the Currency VEDC ;OVTHZ1*\YY`^HZZ^VYUPUHZ 9VILY[V)HYYHNmUPZ7YLZPKLU[HUK the 30th Comptroller of the *,6VM=,+*VULVM[OLJV\U[Y`»Z Currency on April 9, 2012. SLHKPUNZTHSSI\ZPULZZSLUKPUNHUK ;OL*VTW[YVSSLYVM[OL*\YYLUJ` development organizations. He is the administrator of the federal leads, strategizes and manages an IHURPUNZ`Z[LTHUKJOPLMVMÄJLYVM VYNHUPaH[PVU^P[OHU TPSSPVU [OL6MÄJLVM[OL*VTW[YVSSLYVM[OL VWLYH[PUNI\KNL[ TPSSPVUPU *\YYLUJ`6**;OL6**Z\WLY- HZZL[Z^P[OHZTHSSI\ZPULZZSVHU vises more than 1,600 national WVY[MVSPVVM TPSSPVU IHURZHUKMLKLYHSZH]PUNZHZZVJPH[PVUZHUKHIV\[ ;OYV\NOOPZLMMVY[Z=,+*PZHULZ[HISPZOLKUH[PVUHS MLKLYHSIYHUJOLZHUKHNLUJPLZVMMVYLPNUIHURZPU[OL ZTHSSI\ZPULZZSLUKLYSLUKPUN TPSSPVUPUKPYLJ[ VYRZ JVTWVZLKVMJVTT\UP[`IHZLKSVHUM\UKZPU3VZ(UNL- America. SLZ*OPJHNV:HU-YHUJPZJV3HZ=LNHZ4PHTP:HS[3HRL 4Y*\YY`ZLY]LKHZ*OHPYTHUVM[OL-LKLYHS-PUHUJPHS *P[`HUK[OL5L^@VYR;YP:[H[LHYLH 0UZ[P[\[PVUZ,_HTPUH[PVU*V\UJPS--0,*MVYH[^V`LHY 4Y)HYYHNmUPZHSZV[OLMV\UKLYVM[OL.VSKLU:[H[L term from April 2013 until April 2015. Comptroller *LY[PÄLK+L]LSVWTLU[*VTWHU`H:)(SLUKLY *\YY`^HZ[OLZ[--0,**OHPYTHUTHYRPUN[OLÄM[O 0UOLMV\UKLK[OL7HJVPTH+L]LSVWTLU[-LK- time the OCC has led the Council. LYHS*YLKP[VYRZ(TLYPJH)VHYKVM PUHZZL[ZHUKPZHSPJLUZLK:)(HSLUKLY6]LY[OL Directors. SHZ[[LU`LHYZ4Y)HYYHNHUOHZYHPZLKTVYL[OHU TPSSPVUPUMLKLYHSZ[H[LHUKSVJHSHZ^LSSHZWYP]H[L 7YPVY[VQVPUPUN[OL-+0*»Z)VHYKVM+PYLJ[VYZ4Y*\YY` YLZV\YJLZMVYZTHSSHUKTLKP\TZPaLKI\ZPULZZKL]LSVW- ZLY]LKÄ]L4HZZHJO\ZL[[Z.V]LYUVYZHZ[OL*VTTVU- ment. He is a nationally recognized expert and speaker ^LHS[O»Z*VTTPZZPVULYVM)HURZMYVT [V HUK VUZTHSSI\ZPULZZSLUKPUN from 1995 to 2003. He served as Acting Commissioner MYVT-LIY\HY` [V1\UL /LWYL]PV\ZS`ZLY]LK )HYYHNmUQVPULK=,+*PU1HU\HY` HZ]PJLWYLZPKLU[ HZ-PYZ[+LW\[`*VTTPZZPVULYHUK(ZZPZ[HU[.LULYHS VMI\ZPULZZSLUKPUNHUKILJHTLWYLZPKLU[PU 7YPVY *V\UZLS^P[OPU[OL4HZZHJO\ZL[[Z+P]PZPVUVM)HURZ/L [VQVPUPUN=,+*OLOLSKL_LJ\[P]LKPYLJ[VYWVZP[PVUZH[ LU[LYLKZ[H[LNV]LYUTLU[PU HZHUH[[VYUL`^P[O [OYLLV[OLYUVUWYVÄ[VYNHUPaH[PVUZTVZ[YLJLU[S`^P[O [OL4HZZHJO\ZL[[Z»:LJYL[HY`VM:[H[L»Z6MÄJL [OL*VTT\UP[`-PUHUJPHS9LZV\YJL*LU[LYPU3VZ(UNL- SLZ)HYYHNmULHYULKHIHJOLSVY»ZKLNYLLMYVT7YPUJL[VU Mr. Curry served as the Chairman of the Conference of University and attended the University of California at State Bank Supervisors from 2000 to 2001, and served Berkeley, Haas School of Business Administration. [^V[LYTZVU[OL:[H[L3PHPZVU*VTTP[[LLVM[OL--0,* including a term as Committee chairman. /LPZHNYHK\H[LVM4HUOH[[HU*VSSLNLZ\TTHJ\T SH\KL^OLYLOL^HZLSLJ[LK[V7OP)L[H2HWWH/L YLJLP]LKOPZSH^KLNYLLMYVT[OL5L^,UNSHUK:JOVVS VM3H^

20 The Honorable Eric Garcetti Amias Gerety Mayor Acting Assistant Secretary for Financial Institutions City of Los Angeles U.S. Department of the Treasury ,YPJ.HYJL[[PPZ[OLUK4H`VYVM (TPHZ.LYL[`ZLY]LZHZ[OL<: 3VZ(UNLSLZ/PZ¸IHJR[VIHZPJZ¹ +LWHY[TLU[VM[OL;YLHZ\Y`»Z HNLUKHPZMVJ\ZLKVUQVIJYLH[PVU Acting Assistant Secretary for HUKZVS]PUNL]LY`KH`WYVISLTZMVY -PUHUJPHS0UZ[P[\[PVUZ0U[OPZYVSL L.A. residents. 4Y.LYL[`PZYLZWVUZPISLMVY .HYJL[[P^HZLSLJ[LKMV\Y[PTLZI` developing and coordinating his peers to serve as President of ;YLHZ\Y`»ZWVSPJPLZVUH^PKLYHUNL the Los Angeles City Council from VMPZZ\LZHMMLJ[PUNÄUHUJPHSPUZ[P[\- [V-YVT\U[PS [PVUZMYVTJÌLYZLJ\YP[`MVY[OL [HRPUNVMÄJLHZ4H`VYOLZLY]LKHZ[OL*V\UJPSTLTILY ÄUHUJPHSZ`Z[LT[VJVUZ\TLYWVSPJ`HUKMYVTSHYNL YLWYLZLU[PUN[OL[O+PZ[YPJ[ÔPJOPUJS\KLZ/VSS`- JVTWSL_ÄUHUJPHSPUZ[P[\[PVUZ[VJVTT\UP[ÌHURZ4Y ^VVK,JOV7HYR:PS]LY3HRLHUK([^H[LY=PSSHNLHSS .LYL[`PZHSZVYLZWVUZPISLMVYV]LYZLLPUNZL]LYHS;YLH- VMÔPJO^LYLKYHTH[PJHSS`YL]P[HSPaLK\UKLY.HYJL[[P»Z sury Department programs including the Community leadership. +L]LSVWTLU[-PUHUJPHS0UZ[P[\[PVUZ*+-0-\UK[OL :[H[L:THSS)\ZPULZZ*YLKP[0UP[PH[P]L::)*0HUK[OL .HYJL[[P^HZYHPZLKPU[OL:HU-LYUHUKV=HSSL`HUK :THSS)\ZPULZZ3LUKPUN-\UK:)3- LHYULKOPZ)(HUK4(MYVT*VS\TIPHHRLSHUKOH]LH`V\UNKH\NO[LY/L 0UZ[P[\[PVUZ/LQVPULK;YLHZ\Y`PU1HU\HY` HUK is a Lieutenant in the U.S. Navy reserve and is an avid ^HZUVTPUH[LKI`7YLZPKLU[6IHTH[VZLY]LHZ(ZZPZ[HU[ QHaaWPHUPZ[HUKWOV[VNYHWOLY :LJYL[HY`PU-LIY\HY`7YPVY[VQVPUPUN;YLHZ\Y`4Y .LYL[`^HZHTHUHNLTLU[JVUZ\S[HU[H[6SP]LY>`THU /LHSZV^VYRLKMVY[OLKVTLZ[PJWVSPJ`Z[HMMK\YPUN1VOU Kerry’s Presidential campaign and for the Center for American Progress. 4Y.LYL[`YLJLP]LKOPZ)(MYVT/HY]HYK*VSSLNL

21 Martin J. Gruenberg Risa Lavizzo-Mourey, MD, MBA Chairman President and CEO Federal Deposit Insurance Corporation Robert Wood Johnson Foundation 4HY[PU1.Y\LUILYNPZ[OL[O Risa Lavizzo-Mourey, MD, MBA, is *OHPYTHUVM[OL-+0*YLJLP]PUN WYLZPKLU[HUK*,6VM[OL9VILY[ SenH[LJVUÄYTH[PVUVU5V]LTILY >VVK1VOUZVU-V\UKH[PVUH MVYHÄ]L`LHY[LYT4Y position she has held since 2003. .Y\LUILYNZLY]LKHZ=PJL*OHPYTHU 1- HUK4LTILYVM[OL-+0*)VHYKVM OHZMVJ\ZLKVUI\PSKPUNH Directors from August 22, 2005 comprehensive Culture of Health \U[PSOPZJVUÄYTH[PVUHZ*OHPYTHU MVYHSSL_[LUKPUN[OL-V\UKH[PVU»Z He served as Acting Chairman from 40-year history of addressing key 1\S` [V5V]LTILYHUKHSZVMYVT W\ISPJOLHS[OPZZ\LZ 5V]LTILY[V1\UL A specialist in geriatrics, Lavizzo-Mourey came to the 4Y.Y\LUILYNQVPULK[OL-+0*)VHYKHM[LYIYVHK -V\UKH[PVUMYVT[OLOP[L/V\ZL/LHS[O PZZ\LZVMKVTLZ[PJHUKPU[LYUH[PVUHSÄUHUJPHSYLN\SH- *HYL9LMVYT;HZR-VYJLHUKZLY]LKVUU\TLYV\ZMLKLYHS tion, monetary policy and trade. He also served as Staff advisory committees, including the National Commit- +PYLJ[VYVM[OL)HURPUN*VTTP[[LL»Z:\IJVTTP[[LLVU [LLMVY=P[HSHUK/LHS[O:[H[PZ[PJZ:OLHSZVJVJOHPYLKH 0U[LYUH[PVUHS-PUHUJLHUK4VUL[HY`7VSPJ`MYVT [V JVUNYLZZPVUHSS`YLX\LZ[LK0UZ[P[\[LVM4LKPJPULZ[\K`VU 4HQVYSLNPZSH[PVUPU^OPJO4Y.Y\LUILYNWSH`LK racial and ethnic disparities on health care. an active role during his service on the Committee in- Lavizzo-Mourey earned her medical degree from Har- JS\KLZ[OL-PUHUJPHS0UZ[P[\[PVUZ9LMVYT9LJV]LY`HUK vard Medical School, and also holds an MBA from the ,UMVYJLTLU[(J[VM -099,("[OL-LKLYHS+LWVZP[ Wharton School at the University of Pennsylvania. She 0UZ\YHUJL*VYWVYH[PVU0TWYV]LTLU[(J[VM -+0- PZHTLTILYVM[OL0UZ[P[\[LVM4LKPJPULVM[OL5H[PVUHS *0("[OL.YHTT3LHJO)SPSL`(J["HUK[OL:HYIHULZ Academies, the American Academy of Arts and Sci- Oxley Act of 2002. LUJLZHUK[OL7YLZPKLU[»Z*V\UJPSMVY-P[ULZZ:WVY[Z 4Y.Y\LUILYNZLY]LKHZ*OHPYTHUVM[OL,_LJ\[P]L and Nutrition. She currently serves on the Smithsonian Council and President of the International Association of 0UZ[P[\[PVU)VHYKVM9LNLU[ZHUKZL]LYHSV[OLYIVHYKZ +LWVZP[0UZ\YLYZ0(+0MYVT5V]LTILY[V5V]LT- VMKPYLJ[VYZ:OLHUKOLYO\ZIHUKVM`LHYZ9VILY[ ILY 3H]PaaV4V\YL`7O+OH]L[^VHK\S[JOPSKYLUHUKVUL 4Y.Y\LUILYNOVSKZH1+MYVT*HZL>LZ[LYU9LZLY]L grandchild. 3H^:JOVVSHUKHU()MYVT7YPUJL[VUVVK- YV^>PSZVU:JOVVSVM7\ISPJHUK0U[LYUH[PVUHS(MMHPYZ

22 Carol Naughton John C. Williams President 7YLZPKLU[HUK*OPLM,_LJ\[P]L6MÄJLY Purpose Built Communities Federal Reserve Bank of San Francisco *HYVS5H\NO[VUOHZILLUHSLHKLY 1VOU*>PSSPHTZ[VVRVMÄJLHZ in comprehensive community President and Chief Executive revitalization for more than 20 6MÄJLYVM[OL-LKLYHS9LZLY]L)HUR `LHYZHUK^HZHMV\UKPUNZ[HMM VM:HU-YHUJPZJVVU4HYJO TLTILYVM7\YWVZL)\PS[*VTT\- 2011. In this role, he serves on the nities. In her role as President, she -LKLYHS6WLU4HYRL[*VTTP[[LL PZYLZWVUZPISLMVYSLHKPUN[OL IYPUNPUN[OL-LK»Z;^LSM[O+PZ[YPJ[»Z consulting teams that support perspective to monetary policy YL]P[HSPaH[PVUZPUJP[PLZHZ^LSS discussions in Washington. as the teams currently vetting opportunities in 35 +Y>PSSPHTZ^HZWYL]PV\ZS`[OLL_LJ\[P]L]PJLWYLZP- additional cities, including several in metro Atlanta. She KLU[HUKKPYLJ[VYVMYLZLHYJOMVY[OL:HU-YHUJPZJV ensures that clients are focusing their time and resources on the highest impact activities in their respective IHURÔPJOOLQVPULKPU/LILNHUOPZJHYLLYPU ULPNOIVYOVVKZHUKZLY]LZHZ[OLWYPTHY`W\ISPJZWVRLZ- HZHULJVUVTPZ[H[[OL)VHYKVM.V]LYUVYZVM[OL person for Purpose Built Communities at conferences -LKLYHS9LZLY]L:`Z[LTMVSSV^PUN[OLJVTWSL[PVUVM HUKL]LU[ZHYV\UK[OLJV\U[Y`;OL^VYRZOLOHZSLKOHZ his Ph.D. in Economics at Stanford University. Prior to ILLUYLJVNUPaLKHZ\UPX\LS`Z\JJLZZM\SI`THU` that, he earned a Master’s of Science from the London including Warren Buffett, Ben Bernanke, the White School of Economics, and an A.B. from the University of /V\ZL6MÄJLVM5LPNOIVYOVVK9L]P[HSPaH[PVU[OLLSSZ-HYNV)HURVM Dr. Williams’ research focuses on topics including: (TLYPJH[OL,K\JH[PVU;Y\Z[[OL3V^0UJVTL0U]LZ[- TVUL[HY`WVSPJ`\UKLY\UJLY[HPU[`"PUUV]H[PVU"WYVK\J- TLU[-\UK[OL:HU-YHUJPZJV-LKLYHS9LZLY]L)HURHUK [P]P[`HUKI\ZPULZZJ`JSLZ/LOHZW\ISPZOLKU\TLYV\Z the Secretaries of the U.S. Departments of Housing and HY[PJSLZPUSLHKPUNYLZLHYJOQV\YUHSZ/LJ\YYLU[S`ZLY]LZ PUULYPU 7YPVY[VQVPUPUN[OL,HZ[3HRL-V\UKH[PVUZOL^HZ.LU- eral Counsel and Deputy Executive Director for Legal HUK5VUWYVÄ[(MMHPYZMVY[OL([SHU[H/V\ZPUN(\[OVYP[` ÔLYLZOLZLY]LKHZHRL`TLTILYVM[OLSLHKLYZOPW [LHT[OH[IYV\NO[(/(MYVT[OLIYPURVMYLJLP]LYZOPW to national recognition as a sophisticated, progressive ZWVUZVYVMHMMVYKHISLOV\ZPUNWYVNYHTZHUKJVTT\UP[` KL]LSVWTLU[>OPSLH[(/(*HYVSWSH`LKHZPNUPÄJHU[ YVSLPUKL]LSVWPUN[OLSLNHSHUKÄUHUJPHSTVKLSMVY mixed income housing. )LMVYLQVPUPUN(/(*HYVS^HZHUH[[VYUL`^P[O:\[OLY- SHUK(ZIPSS )YLUUHU»ZYLHSLZ[H[LNYV\WÔLYLZOL primarily represented developers, lenders and asset THUHNLYZ:OLPZHTLTILYVM[OLJSHZZVM3LHKLY- ship Atlanta and is on the national steering committee of LOCUS. She is a graduate of the Emory University :JOVVSVM3H^HUK^HZ,_LJ\[P]L,KP[VYVM[OL,TVY` 3H^1V\YUHSHUKNYHK\H[LKJ\TSH\KH^P[OHU()PU Political Science from Colgate University. 23 SPEAKERS

Orson Aguilar VM+PYLJ[VYZMVY[OL5@:[H[L(ZZVJPH[PVUMVY(MMVYKHISL President /V\ZPUN5@:(-(/[OL0U]LZ[VY(K]PZVY`)VHYKMVY The Greenlining Institute [OL5L^4HYRL[;H_*YLKP[*VHSP[PVUHUK[OL(K]PZVY` 6YZVU(N\PSHYPZ[OL7YLZPKLU[VM[OL.YLLUSPUPUN )VHYKVM[OL5@<-\YTHU*LU[LY»Z4VLSPZ0UZ[P[\[LMVY Institute, one of the nation’s largest and most successful (MMVYKHISL/V\ZPUN7VSPJ`7YPVY[V.VSKTHU:HJOZ multi-ethnic, advocacy and leadership development +HUZLY]LKHZHU6MÄJLYPUHSS:[YLL[1V\YUHSVTLU»Z intended to protect residents of Section 515 housing -V\UKH[PVUVM*HSPMVYUPHHUKHSZVZP[ZVU)HURVM HYLLUMVYJLKWYVWLYS`4Y(UKLYZ^HZ[OL,_LJ\[P]L America’s Community Advisory Committee. +PYLJ[VYVM5/37MYVT [V /LOHZHSH^ KLNYLLMYVT[OL*VS\TI\Z:JOVVSVM3H^*H[OVSPJ Daniel Alger University of America, Washington, DC, and is a Vice President TLTILYVM[OL*HSPMVYUPH)HY/LYLJLP]LKOPZ)( Goldman Sachs ^P[OHTHQVYPU(YJOP[LJ[\YLMYVT[OL

24 WYVNYHTZHZ^LSSHZTHUHNPUNKL]LSVWTLU[HUK WYVTV[PVUZMVSSV^LKPUJS\KPUN:LUPVY=PJL7YLZPKLU[ JVTT\UPJH[PVUZHJ[P]P[PLZMVY[OLJVTWHU`:OLILJHTL +PZ[YPJ[4HUHNLYMVY9L[HPS)HURPUN",_LJ\[P]L=PJL [OL+PYLJ[VYVM[OL:)+*PUÔLU7*9^HZ 7YLZPKLU[)\ZPULZZ:HSLZ+P]PZPVU",_LJ\[P]L=PJL designated as a Small Business Development Center 7YLZPKLU[¶9LNPVUHS7YLZPKLU[:V\[OLYU*HSPMVYUPH I`[OL<::THSS)\ZPULZZ(KTPUPZ[YH[PVU7YPVY[V *VTT\UP[`)HUR"HUK,_LJ\[P]L=PJL7YLZPKLU[/LHK QVPUPUN7*9ZOLOHKHZ\JJLZZM\SJHYLLYHZHIHURLY VM)\ZPULZZ)HURPUN4Z(UKLYZVU^HZZ\IZLX\LU[S` L]LU[\HSS`H[[HPUPUN[OLWVZP[PVUVM=PJL7YLZPKLU[ YLJY\P[LKI`.VSKTHU:HJOZ[VZLY]LHZH*VUZ\S[HU[ *VTT\UP[`0U]LZ[TLU[6MÄJLYHUK^HZYLZWVUZPISLMVY and industry expert during a formal due diligence HSS*VTT\UP[`9LPU]LZ[TLU[(J[*9(HJ[P]P[PLZMVY[OL WYVJLZZVUHWV[LU[PHSPU]LZ[TLU[[HYNL[-VSSV^PUNOLY )HUR:OLHSZVZLY]LKHZ=PJL7YLZPKLU[9LN\SH[VY`9PZR [PTLH[.VSKTHU:HJOZZOLZLY]LKHZ[OL,_LJ\[P]L 4HUHNLYH[*HSPMVYUPH-LKLYHS)HURHUKHZ*VTWSPHUJL =PJL7YLZPKLU[HUK/LHKVM*VTT\UP[`)HURPUNMVY 4HUHNLY)HUR:LJYLJ`(J[6MÄJLYHUK*VTT\UP[` [^VTPKZPaLJVTT\UP[ÌHURZPU*HSPMVYUPH:PUJL 9LPU]LZ[TLU[(J[6MÄJLYH[-PYZ[3VZ(UNLSLZ)HUR4Z [OLU4Z(UKLYZVUOHZYL[PYLKMYVTIHURPUNHUKPZ (UKLYZVUPZHTLTILYVM[OL4H`VY»Z6MÄJL4PUVYP[` UV^[OL,_LJ\[P]L+PYLJ[VYVM)HUR>VYR HUVUWYVÄ[ Business Development, the National Association of organization. -LTHSL,_LJ\[P]LZHUK[OL5H[PVUHS(ZZVJPH[PVUVM >VTLU)\ZPULZZ6ÛLYZ5(>)63( Amy Anderson Executive Director Laurence Anderson PATH Ventures Vice President (T`KPYLJ[Z[OL^VYRVM7(;/=LU[\YLZ[OLYLHSLZ[H[L Rural Housing Preservation Associates KL]LSVWTLU[HMÄSPH[LVM7(;/HSLHKPUNOVTLSLZZ 3H\YLUJL9¸3HYY`¹(UKLYZVUPZ[OL=PJL7YLZPKLU[ ZLY]PJLZVYNHUPaH[PVU>P[OV]LY[^LU[`Ä]L`LHYZ VM9\YHS/V\ZPUN7YLZLY]H[PVU(ZZVJPH[LZ9/7([OL L_WLYPLUJL(T`PZH^LSSYLZWLJ[LKSLHKLYPU[OL Rural Rental Housing development arm of Leon N. KL]LSVWTLU[VMOPNOX\HSP[`HMMVYKHISLOV\ZPUN >LPULY(ZZVJPH[LZ35>(HSHYNLPU[LNYH[LKHMMVYKHISL JVTT\UP[PLZ7YPVY[VQVPUPUN7(;/=LU[\YLZ(T` OV\ZPUNWYV]PKLYOLHKX\HY[LYLKPU>PSTPUN[VU ^VYRLK^P[O[OL*HSPMVYUPH/V\ZPUN7HY[ULYZOPW +LSH^HYL4Y(UKLYZVUHSZVWYV]PKLZHK]PJLZ\WWVY[ *VYWVYH[PVUÔLYLZOLWYV]PKLKÄUHUJPHSJVUZ\S[PUN HUKJVUZ\S[PUNZLY]PJLZMVY[OLHMMVYKHISLYLU[HSOV\ZPUN [LJOUPJHSHZZPZ[HUJLHUK[YHPUPUN[VUVUWYVÄ[HMMVYKHISL PUK\Z[Y`LUNHNLKPU^VYRPUN^P[O[OL4\S[P-HTPS` housing developers and government clients throughout /V\ZPUN4-/WYVNYHTZVM[OL9\YHS/V\ZPUN:LY]PJL *HSPMVYUPH-VY[LU`LHYWYPVY[VOLY^VYR^P[O*/7* 9/::PUJLYL[PYPUNMYVT<:+(PU+LJLTILYVM (T`^VYRLK^P[O(IVKL*VTT\UP[PLZTVZ[YLJLU[S` HM[LY`LHYZVM-LKLYHS:LY]PJLHZ[OL+PYLJ[VYVM[OL HZ/V\ZPUN+PYLJ[VYÔLYLZOL^HZYLZWVUZPISLMVY 4-/7YLZLY]H[PVUHUK+PYLJ[3VHU+P]PZPVU47+3 V]LYZLLPUNHSSHZWLJ[ZVMHMMVYKHISLOV\ZPUNWYVK\J[PVU 3HYY`JHUILKLZJYPILKHZHKL]LSVWLYWHY[[PTL :OLWYLZLU[S`ZLY]LZHZ;YLHZ\YLYMVY[OL)VHYKVM JVUZ\S[HU[HUKM\SS[PTLHK]VJH[LMVY4-/WYVNYHTZ /V\ZPUN*HSPMVYUPHÔLYLZOLOHZZLY]LKZPUJL Highlights of Mr. Anderson’s career included leading She previously served as President of the Southern LMMVY[Z[VJYLH[LHSVUN[LYT4-/YL]P[HSPaH[PVUWYVNYHT *HSPMVYUPH(ZZVJPH[PVUVM5VU7YVÄ[/V\ZPUN:*(57/ [VOLSWWYLZLY]L[OLHNPUNI\[PYYLWSHJLHISL IPSSPVU ÔLYLZOL^HZH)VHYKTLTILYMYVT direct loan portfolio and serving as the lead USDA >P[OPUOLYVÛJVTT\UP[`VM:HU[H4VUPJH(T` JVU[HJ[VU[OL9LU[HS7VSPJ`>VYRPUN.YV\WMVYTLK serves as a Planning Commissioner and previously I`[OL>OP[L/V\ZLK\YPUN[VPTWYV]LHUKHSPNU served as a Housing Commissioner from 2009 - 2011. -LKLYHSYLU[HSOV\ZPUNWVSPJ`4Y(UKLYZVULU[LYLK (TÒHZH4HZ[LY»Z+LNYLLPULSSZ-HYNV:OLILNHUOLY microenterprise development. He also directs Citi years there as an Assistant Branch Manager. A series of 0UJS\ZP]L-PUHUJLÔPJOPZYLZWVUZPISLMVY*P[P»Z

25 JVTTLYJPHSYLSH[PVUZOPWZ^P[OTPJYVÄUHUJLPUZ[P[\[PVUZ KL]LSVWTLU[[LHTHUK^HZPUZ[Y\TLU[HSPUMVYT\SH[PUN UL[^VYRZHUKPU]LZ[VYZ^VYRPUN[VL_WHUKHJJLZZ[V HUKL_LJ\[PUN[OLIHUR»Z\UKLYIHURLKTHYRL[Z[YH[LN` ÄUHUJPHSZLY]PJLZPU\UKLYZLY]LKJVTT\UP[PLZ)VI )LMVYLQVPUPUN[OLIHURPUNPUK\Z[Y`(ZRHYPZLY]LKHZ has served on the Board of Advisors for the United HMHJ\S[`TLTILYPU[OLLJVUVTPJZKLWHY[TLU[HUK 5H[PVUZ*VTTPZZPVUVU3LNHS,TWV^LYTLU[VM[OL a director of the Center for Economic Education at 7VVYHUKPZHTLTILYVM[OL(K]PZVY`*V\UJPSVM[OL 0UKPHUHVYSK)HUR)VIJVTWSL[LKOPZ (UH[P]LVM3VZ(UNLSLZ)L[[`(]PSHQVPULK[OL:LSM )(KLNYLLZPUOPZ[VY`HUKWVSP[PJHSZJPLUJLH[=HZZHY /LSW.YHWOPJZ[LHTPU:LW[LTILYVMHZ(ZZVJPH[L *VSSLNLPU5L^@VYRHUKOPZTHZ[LY»ZKLNYLLPU(MYPJHU Director. She is also Board Chair of Multicultural Z[\KPLZOPZ[VY`H[[OLVYRPUN.YV\WPU>HZOPUN[VU 6MÄJLYVM3PM[-\UK,Z[HISPZOLKPU PU:HU(U[VUPV D.C. She holds a B.A. in Ecological Studies from HZ(JJPVU;L_HZ0UJ[OLUHTLVM[OLVYNHUPaH[PVU^HZ Seattle University, M.A. in International Affairs from JOHUNLK[V3PM[-\UKPU3PM[-\UKOHZNYV^U[V American University, and M.A. in Natural Resources ILJVTL[OLSHYNLZ[TPJYVHUKZTHSSI\ZPULZZSLUKLYPU :\Z[HPUHISL+L]LSVWTLU[MYVT[OL

26 Development, Association for Enterprise Opportunity, HZ7YLZPKLU[VM>VTLUPU/V\ZPUNHUK-PUHUJLHU and Our Lady of the Lake University. President Barack HZZVJPH[PVU[OH[WYVTV[LZTLTILYZPU[OLÄLSKZVM 6IHTHHWWVPU[LK4Z)HYYLYH[V[OL7YLZPKLU[»Z OV\ZPUNHUKÄUHUJPHSZLY]PJLZ4Z)LSSLZPOVSKZH)( (K]PZVY`*V\UJPSVU-PUHUJPHS*HWHIPSP[`HUKZOLPZ MYVT+PJRPUZVU*VSSLNLHUKHKLNYLLMYVT.LVYNL VU[OLIVHYKVMKPYLJ[VYZMVY[OL-LKLYHS9LZLY]LVM Washington University. Dallas, San Antonio Branch. She also serves on the ))=(*VTWHZZ5H[PVUHS(K]PZVY`)VHYK*HWP[HS Eric Belsky 6UL5H[PVUHS(K]PZVY`*V\UJPSHUK-+0*(K]PZVY` Director, Division of Consumer and Community Affairs Committee on Economic Inclusion. Board of Governors of the Federal Reserve System Dr. Eric S. Belsky, Ph.D., assumed the position of Alison Becker, AICP Director of the Division of Consumer and Community Director, LA Promise Zone (MMHPYZH[[OL-LKLYHS9LZLY]L)VHYKVM.V]LYUVYZ 4H`VY»Z6MÄJLVM,JVUVTPJ+L]LSVWTLU[ PU(\N\Z[;OL+P]PZPVUVM*VUZ\TLYHUK (SPZVUPZH+PYLJ[VYPU[OL4H`VY»Z6MÄJLVM,JVUVTPJ Community Affairs ensures that consumer and +L]LSVWTLU[^OLYLZOLSLHKZ[OL3VZ(UNLSLZ7YVTPZL JVTT\UP[`WLYZWLJ[P]LZPUMVYT-LKWVSPJ`YLZLHYJO AVUL0UP[PH[P]L(ULZ[HISPZOLKWSHUUPUNWYVMLZZPVUHS HUKHJ[PVU;OYV\NO[OL9LZLY]L)HURZ^OVPTWSLTLU[ (SPZVUOHZTVYL[OHU[^VKLJHKLZVML_WLYPLUJLPU it, the Division sets policies for and oversees the the areas of community and economic development, Z\WLY]PZPVUVMÄUHUJPHSPUZ[P[\[PVUZMVYJVTWSPHUJL current planning, advanced planning and land ^P[OJVUZ\TLYWYV[LJ[PVUMHPYSLUKPUNHUKJVTT\UP[` KL]LSVWTLU[LU[P[SLTLU[Z:OLOHZILLUHWVSPJ` YLPU]LZ[TLU[SH^Z>P[OV[OLYHNLUJPLZP[HSZV^YP[LZ HUKWSHUUPUNHK]PZVYMVY[OYLLLSLJ[LKVMÄJLZPU3VZ or consults on consumer and community reinvestment (UNLSLZ:OLILJHTLHJLY[PÄLK*P[`7SHUULYPU ÄUHUJPHSYLN\SH[PVUZ;OL+P]PZPVUHSZVZWV[ZHUK :OLOVSKZH4(PUHZOPUN[VU+*4Z)LSSLZP 1VPU[*LU[LYMVY/V\ZPUN:[\KPLZVM/HY]HYKVYRZ(TLYPJH:OLJVVYKPUH[LK[OL^VYR H\[OVYLKU\TLYV\ZHY[PJSLZHUKIVVRJOHW[LYZHUKOHZ of OCC’s community reinvestment and development ZLY]LKVU[OLLKP[VYPHSIVHYKZVM[OL1V\YUHSVM/V\ZPUN ZWLJPHSPZ[Z:OLHSZVSLKHZ[\K`VMIHURZ»JVTT\UP[` 9LZLHYJOHUK/V\ZPUN7VSPJ`+LIH[L KL]LSVWTLU[ÄUHUJLHJ[P]P[PLZHUKH\[OVYLK,MMLJ[P]L :[YH[LNPLZMVY*VTT\UP[`+L]LSVWTLU[-PUHUJL7YPVY [V[OL6**4Z)LSSLZP^VYRLKH[[OL<:+LWHY[TLU[ VM/V\ZPUNHUK

27 Jamie Bennett JVTT\UP[`VM)V`SL/LPNO[ZPU3VZ(UNLSLZ;OL Executive Director JVUZ[Y\J[PVUI\KNL[ZMVY[OLZL[OYLLKL]LSVWTLU[ZHYL ArtPlace America PUL_JLZZVM TPSSPVU4Y)LYTKLa»ZWYVQLJ[ZPU 1HTPL)LUUL[[PZ[OLL_LJ\[P]LKPYLJ[VYVM(Y[7SHJL predevelopment include the Brooklyn Heights Market America, a partnership among 15 foundations, 8 HUK[OL/PNOSHUK7HYR;YHUZP[=PSSHNL MLKLYHSHNLUJPLZHUKÄUHUJPHSPUZ[P[\[PVUZ^VYRPUN[V position art and culture as a core sector of community Robyn Bipes WSHUUPUNHUKKL]LSVWTLU[I`PU]LZ[PUNPUYLZLHYJOPUN Director of Lending and Programs HUKZ\WWVY[PUN[OVZLÔVSLHKHUKL_LJ\[LJYLH[P]L Greater Minnesota Housing Fund WSHJLTHRPUNWYVQLJ[Z;VKH[L(Y[7SHJLOHZPU]LZ[LK 9VIÙ)PWLZPZ+PYLJ[VYVM7YVNYHTZHUK3LUKPUNH[[OL TPSSPVUPUWYVQLJ[ZPUJVTT\UP[PLZVMHSS .YLH[LY4PUULZV[H/V\ZPUN-\UK.4/-PZ4PUULZV[H»Z ZPaLZHJYVZZ[OLLZ[*VHZ[VMÄJLÔLYLOLTHUHNLZHSS 3LHKLYZOPW7YVNYHTMVY6WWVY[\UP[`-PUHUJL MHJL[ZVMWYVQLJ[KL]LSVWTLU[MYVTJVUJLW[\HSZP[L planning though design, construction, lease-up and David Black VWLYH[PVUZ/PZYLZWVUZPIPSP[PLZPUJS\KLJVVYKPUH[PUN Community Development Expert ÄUHUJLZ[YH[LN`THUHNPUNKLZPNUHUKSHUK\ZL 6MÄJLVM[OL*VTW[YVSSLYVM[OL*\YYLUJ` JVUZ\S[HU[ZHUKJVUZ\S[PUN^P[OSLNHSJV\UZLSMVY David Black is a Community Development Expert in JVTWSPHUJL^P[OM\UKPUNYLN\SH[PVUZ4Y)LYTKLa [OL*VTT\UP[`(MMHPYZ+LWHY[TLU[VM[OL6MÄJLVM ^VYRZ^P[ONV]LYUTLU[HSHUKSVJHSLSLJ[LKVMÄJPHSZHZ the Comptroller of Currency. In that role, he conducts ^LSSHZJVTT\UP[`Z[HRLOVSKLYZ[VLUZ\YLWYVWVZLK YLZLHYJOVUHYHUNLVMJVTT\UP[`KL]LSVWTLU[ÄUHUJL KL]LSVWTLU[ZHYLJVUZPZ[LU[^P[OJVTT\UP[`WYPVYP[PLZ WVSPJ`HYLHZPUJS\KPUNZTHSSI\ZPULZZÄUHUJPUN and their vision for positive redevelopment. Currently, TPZZPVUKYP]LUHUKZVJPHSW\YWVZLÄUHUJPHSPUZ[P[\[PVUZ Mr. Bermúdez is managing the development and and community development tax credits. Prior to JVUZ[Y\J[PVUVM[OL;H`SVY@HYK;YHUZP[=PSSHNLHT\S[P QVPUPUN[OL6**4Y)SHJRJVUK\J[LKYLZLHYJOPU phase community in the City of Los Angeles consisting entrepreneurship and community development VMV]LYOVTLZHUKHWWYV_PTH[LS`ZX\HYL ÄUHUJLH[;OL(ZWLU0UZ[P[\[L/LOHZHSZV^VYRLKHZ MLL[VMYL[HPS;H`SVY@HYKOHZKP]LYZLOVTLVW[PVUZ a community development practitioner. His education PUJS\KPUNHMMVYKHISLMHTPS`YLU[HSHMMVYKHISLZLUPVY includes a B.A. in Studio Arts and a Masters Degree in YLU[HSTHYRL[YH[LOVTLVÛLYZOPW/LHSZVTHUHNLZ

28 Laurel Blatchford .YV\WHTLTILYVM[OL,_LJ\[P]L*VTTP[[LLVM[OL Senior Vice President, Solutions 5H[PVUHS/V\ZPUN*VUMLYLUJLHUKHMVYTLYTLTILY Enterprise Community Partners, Inc. of the Advisory Board of the Housing Development Laurel is senior vice president for Solutions at Enterprise 9LWVY[LY/LZLY]LZVU[OLIVHYKVMKPYLJ[VYZVM/VTLZ Community Partners, Inc., one of the nation’s leading MVY(TLYPJH/V\ZPUN1\Z[PJL*LU[LYHUK:[L^HYKZVM social enterprises. Laurel leads the organization’s (MMVYKHISL/V\ZPUNMVY[OL-\[\YL/LPZHMYLX\LU[ UH[PVUHSWYVNYHTTH[PJ^VYRPUJS\KPUN[OL[LHTZ N\LZ[SLJ[\YLYH[HMMVYKHISLOV\ZPUNPUK\Z[Y`L]LU[Z ^VYRPUNPU,U[LYWYPZL»ZSVJHSTHYRL[ZHJYVZZ[OLVTLU*0>*LU[YHS 2009 to 2013, Laurel served as chief of staff to HUD *HSPMVYUPH>VTLU»Z-HJPSP[`**>-*HSPMVYUPH:[H[L Secretary Shaun Donovan. In this capacity, she served 7YPZVU3VZ(UNLSLZ3(*HUK[OL9PJOHYK1+VUV]HU HZHTLTILYVM[OLHNLUJ`»ZL_LJ\[P]LTHUHNLTLU[ *VYYLJ[PVUHS-HJPSP[`91+/LHSZVV]LYZLLZ[^V [LHTHUK^VYRLKJSVZLS`^P[O[OLZLJYL[HY`HUK[OL ;LHJOPUNHUK;OLYHWL\[PJ*VTT\UP[PLZPUJS\KPUN >OP[L/V\ZL[VKL]LSVWHUKL_LJ\[LH^PKLYHUNLVM (TPZ[HKKL3VZ(UNLSLZÔPJOPZH ILKJVTT\UP[` WVSPJ`HUKTHUHNLTLU[WYPVYP[PLZ7YPVY[VQVPUPUN[OL SVJH[LKPU3VZ(UNLSLZ*(HUK=PZ[H9HUJOÔPJOPZ 6IHTH(KTPUPZ[YH[PVU3H\YLS^HZ]PJLWYLZPKLU[VM HILKMHJPSP[`PU:HU+PLNV*V\U[`4Y)VUKOHZ KL]LSVWTLU[HUKWYVQLJ[KPYLJ[VYMVY[OL:V\[O:[YLL[ ILLUPUZ[Y\TLU[HSPUL_WHUKPUN[OL*HSPMVYUPHZLY]PJLZ :LHWVY[9LKL]LSVWTLU[H[.LULYHS.YV^[O7YVWLY[PLZ for Amity to include employment services through ..7H*OPJHNVIHZLKYLHSLZ[H[LPU]LZ[TLU[[Y\Z[ [OL+LWHY[TLU[VM9LOHIPSP[H[PVU/LOHZHSZVILLU )LMVYLOLY[LU\YLH[..73H\YLSZWLU[ZP_`LHYZ^VYRPUN WHY[VM[OLKLZPNUHUKTHUHNLTLU[[LHTMVY[OL1\Z[ MVY5L^@VYR*P[`4H`VY)SVVTILYN 0U9LHJO109QHPSWYVQLJ[M\UKLK[OYV\NO[OL/PS[VU -V\UKH[PVUÔPJO^VYRZ[VZLY]LZVTLVM[OLTVZ[ Michael Bodaken at risk for recidivism and homelessness. Mr. Bond President chairs the California Department of Correction and National Housing Trust 9LOHIPSP[H[PVU+PYLJ[VY»Z:LY]PJLZ(K]PZVY`NYV\WZ Michael Bodaken serves as President of the National /V\ZPUN*VTTP[[LLHUKPZHTLTILYVM[OL*HSPMVYUPH /V\ZPUN;Y\Z[HUK[OL5H[PVUHS/V\ZPUN;Y\Z[ +LWHY[TLU[VM*VYYLJ[PVUZHUK9LOHIPSP[H[PVU0U[LNYH[LK *VTT\UP[`+L]LSVWTLU[-\UK5/;*+-;OL;Y\Z[ Care Committee, the Los Angeles Regional Reentry LUNHNLZPUWYLZLY]H[PVUWVSPJ`HMMVYKHISLOV\ZPUN 7HY[ULYZOPW3(997[OL

29 Her professional career spans more than 24 years in the Samuel J. Boyd, Jr. IHURPUNHUKUVUWYVÄ[ZLJ[VYTHUHNPUNOVTLI\`LY *OPLM0U]LZ[TLU[6MÄJLYHUK+PYLJ[VYVM counseling programs and community development pro- Program Development grams. She currently serves on several local and national U.S. Small Business Adminstration IVHYKZHUKJVTTP[[LLZ[OH[MVJ\ZVUHMMVYKHISLOV\ZPUN :HT\LS1)V`K1YQVPUed the U.S. Small Business HUKJVTT\UP[`KL]LSVWTLU[HUK^HZPUZ[Y\TLU[HSPU[OL (KTPUPZ[YH[PVU0U]LZ[TLU[+P]PZPVUVU1\ULHZ PUJLW[PVUVM;HRL9VV[4PS^H\RLL [OL*OPLM0U]LZ[TLU[6MÄJLYHUK+PYLJ[VYVM7YVNYHT Development. In this role, Mr. Boyd is in charge of Ray Boshara managing the initial assessment of SBIC applicants Senior Advisor and Director of Center for Household and preparing the applications for presentation to the Financial Stability :)0*0U]LZ[TLU[*VTTP[[LL;OPZJYP[PJHSWOHZLVM[OL Federal Reserve Bank of St. Louis :)0*HWWSPJHU[YL]PL^WYVJLZZLU[HPSZHUHS`aPUNHSS Ray Boshara is Senior Advisor and Director of the 4HUHNLTLU[(ZZLZZTLU[8\LZ[PVUUHPYLZ4(8[V *LU[LYMVY/V\ZLOVSK-PUHUJPHS:[HIPSP[`H[[OL-LKLYHS KL[LYTPUL:)0*WYVNYHTÄ[YLNHYKPUN[LHTZ[YH[LN` 9LZLY]L)HURVM:[3V\PZ)LMVYLQVPUPUN[OL-LKPU JHWP[HSZ[Y\J[\YLHUK[YHJRYLJVYK/LPZHSZVYLZWVUZPISL (WYPS)VZOHYH^HZ=PJL7YLZPKLU[VM[OL5L^ for creating and executing SBIC’s outreach strategy, (TLYPJH-V\UKH[PVUH+*IHZLK[OPUR[HURHUK particularly as it pertains to engaging institutional 7VSPJ`+PYLJ[VYH[*-,+/LOHZHK]PZLKWYLZPKLU[PHS investors and under represented investment funds. Mr. JHUKPKH[LZHUKSLHKPUNWVSPJ`THRLYZ^VYSK^PKLHUK )V`KPZH]V[PUNTLTILYVMIV[O[OL:)0*0U]LZ[TLU[ [LZ[PÄLKILMVYL[OL<:*VUNYLZZZL]LYHS[PTLZ/LOHZ HUK3PJLUZPUN*VTTP[[LLZ0TTLKPH[LS`WYPVY[VQVPUPUN ^YP[[LUMVY[OL>HZOPUN[VU7VZ[;OL5L^@VYR;PTLZ the SBIC program, Mr. Boyd served as the president and Atlantic Monthly, among others, and is the co- & CEO of the National Association of Investment H\[OVY^P[O7OPSSPW3VUNTHUVM[OL IVVR;OL *VTWHUPLZ5(0*[OLWYP]H[LLX\P[`[YHKLHZZVJPH[PVU Next Progressive Era. Boshara is a graduate of Ohio MVYÄYTZ[OH[YLWYLZLU[VYPU]LZ[PU[OL\UKLYZLY]LK :[H[LHSTHY[ ÄUHUJPHSPUJS\ZPVUHUKPU[LNYH[PVUPU[V[OLÄUHUJPHS Marriott, and the federal government. Prior to launching Z`Z[LTMVYHSSJ\Z[VTLYZ^OPJOYLZ\S[LKPU[OLSH\UJO 9LSPHUJL4L[OVKZ:OL^HZ[OLMV\UKPUN,+VM@LHYLSSZ-HYNV9HUPOHZHU4)(PU potential through careers and continued education. )\ZPULZZ(KTPUPZ[YH[PVU-PUHUJLMYVT[OL

30 partners, including the White House, in 2011. She also Gian F. Brosco created a performance assessment tool for Year Up that President ^HZYLJVNUPaLKI`;OL)YPKNLZWHU.YV\WHZHUPUK\Z[Y` Nevada Community Foundation ILZ[WYHJ[PJL (MVYTLYH[[VYUL`HUKIHURLY.PHUIYPUNZTVYL [OHU[^LU[`Ä]L`LHYZ»L_WLYPLUJLPU[OLÄLSKZVM Larry Briggs WOPSHU[OYVW`SH^HUKIHURPUN[VOPZYVSLHZ7YLZPKLU[ President and CEO VM5L]HKH*VTT\UP[`-V\UKH[PVU5*-/LZWLU[ First National Bank and Trust Company MV\Y`LHYZ^P[O;OL9OVKL0ZSHUK-V\UKH[PVUHZH 3HYY`ZLY]LZHZ[OL7YLZPKLU[HUK*,6VM-PYZ[5H[PVUHS KL]LSVWTLU[VMÄJLYHUKNPM[WSHUUPUNHK]PZVYILMVYL )HURHUK;Y\Z[*VTWHU`PU:OHÛLL62(M[LY QVPUPUN<:;Y\Z[)HURVM(TLYPJHÔLYLOLZLY]LK attending Oklahoma State University, Larry stayed HZ=PJL7YLZPKLU[MVY[OL7OPSHU[OYVWPJ4HUHNLTLU[ PU[OL:[PSS^H[LYHYLH[VILNPUOPZJHYLLYPUIHURPUN .YV\W>OPSLH[<:;Y\Z[OLJV\UZLSLKPUKP]PK\HSZ >OLUOLÄYZ[ILJHTLHIHURWYLZPKLU[3HYY`^HZVUL families and private foundations on their philanthropy of youngest in the state of Oklahoma. He is an active and advised institutional clients around governance TLTILYVMU\TLYV\ZWYVMLZZPVUHSVYNHUPaH[PVUZ3HYY` HUKUVUWYVÄ[THUHNLTLU[PZZ\LZ/LHSZVZLY]LK has served as president of the Oklahoma Bankers HZHUL_WLY[MVY)HURVM(TLYPJHVU[OLZ\IQLJ[ZVM (ZZVJPH[PVUHZ^LSSHZV[OLYSLHKLYZOPWWVZP[PVUZ philanthropy, planned giving, investment policy, and HUKOHZOLSKTHU`WVZP[PVUZ^P[O[OL(TLYPJHU ÄK\JPHY`HUK[H_TH[[LYZ0UJS\KPUNOPZ[LU`LHYZHZ Bankers Association. He is still actively involved HWYHJ[PJPUNH[[VYUL`.PHUOHZHK]PZLKTVYL[OHU PUIV[OHZZVJPH[PVUZ/PZJP]PJSLHKLYZOPWPUJS\KLZ W\ISPJJOHYP[PLZWYP]H[LMV\UKH[PVUZPUKP]PK\HSZ WVZP[PVUZ^P[O[OL:OHÛLL*OHTILYVM*VTTLYJL HUKMHTPSPLZVUHSSHZWLJ[ZVMJOHYP[HISLNP]PUNHUK [OL:OHÛLL,JVUVTPJ+L]LSVWTLU[-V\UKH[PVUHUK WOPSHU[OYVW`HUKPZVULVMML^LY[OHUJVUZ\S[HU[Z THU`V[OLYVYNHUPaH[PVUZ3HYY`ZLY]LKHZHUVMÄJLY UH[PVU^PKL[VOVSK[OLWYLZ[PNPV\Z*.;*LY[PÄLK)VHYK PU[OL6RSHOVTH(YT`5H[PVUHS.\HYKHUK<: .V]LYUHUJL;YHPULYKLZPNUH[PVU+\YPUNOPZ[LU\YL (YT`9LZLY]LZ/LYLZPKLZPU:OHÛLL^P[OOPZ^PML H[5L]HKH*VTT\UP[`-V\UKH[PVU[OLVYNHUPaH[PVU Michelle. OHZL_WLYPLUJLKL_WVULU[PHSNYV^[OK\YPUNHWLYPVK of near unprecedented economic upheaval, increasing Tina Brison MYVT TTPU ÔLU.PHUHZZ\TLK[OLYVSL VM7YLZPKLU[[VHSTVZ[ TTPU,X\HSS`[OL Review Examiner -V\UKH[PVUOHZYLHJOLK\UWYLJLKLU[LKPUÅ\LUJL Federal Deposit Insurance Corporation as a thought leader and catalyst for change in the ;PUH)YPZVUQVPULK[OL-+0*PU HZH)HUR,_HTPULY community. ;YHPULLPU[OL+P]PZPVUVM:\WLY]PZPVU»Z4LTWOPZ 9LNPVU,SPaHIL[O[VÛ2LU[\JR`-PLSK6MÄJLHUKPU Dora Brown 1HU\HY` LHYULKOLY*VTTPZZPVULK)HUR,_HTPULY :LUPVY=PJL7YLZPKLU[HUK*OPLM4HYRL[PUN6MÄJLY Z[H[\Z>OPSLPU[OL,SPaHIL[O[VÛ-PLSK6MÄJLZOL International Bank of Commerce ZLY]LKHZ[OLÄLSKVMÄJL[YHPUPUNJVVYKPUH[VYPUZ[Y\J[LK the Assistant Examiner School I at the training center, +VYH)YVÛILNHUOLYJHYLLYPUIHURPUNPU HZ ZLY]LKHZ(ZZPZ[HU[9LNPVUHS;YHPUPUN*VVYKPUH[VY HYLJLW[PVUPZ[^P[O4LYJOHU[4HYPUL)HUR:OLHSZV specialized in the compliance area, and participated on ^VYRLKPU5L^(JJV\U[ZHUKSH[LYHZZLJYL[HY`[V[OL ZL]LYHSKL[HPSL_HTPUH[PVUHZZPNUTLU[Z0U+LJLTILY 7YLZPKLU[0U ZOLQVPULK=HSSL`-LKLYHS:H]PUNZ 1992, Ms. Brison transferred to the Division of 3VHUHZ=PJL7YLZPKLU[VM6WLYH[PVUZ0U ZOL :\WLY]PZPVU»Z/\YYPJHUL>LZ[=PYNPUPH-PLSK6MÄJL QVPULK0U[LYUH[PVUHS)HURVM*VTTLYJLHUKOHZYPZLU[V 0U4H` ZOL^HZWYVTV[LK[V-PLSK6MÄJL OLYJ\YYLU[WVZP[PVUHZ:LUPVY=PJL7YLZPKLU[PU4J(SSLU :\WLY]PZVYVM[OLUL^S`MVYTLKJVTWSPHUJLÄLSKVMÄJL ;L_HZ>P[O`LHYZPUIHURPUNL_WLYPLUJLHUK PU/\YYPJHUL>LZ[=PYNPUPH6U6J[VILY4Z over 25 years of marketing and community relations, )YPZVU^HZUHTLKHZHYL]PL^L_HTPULYMVY[OL([SHU[H Dora strategizes and directs the community relations, 9LNPVUHUKJ\YYLU[S`ZLY]LZHZ[OLYL]PL^L_HTPULY ÄUHUJPHSSP[LYHJ`W\ISPJYLSH[PVUZJVU[YPI\[PVUZ MVY>LZ[=PYNPUPH=PYNPUPHHUK5VY[O*HYVSPUH:OLPZ and marketing initiatives of IBC in her local region’s HUH[P]LVM>LZ[=PYNPUPHHUKYLJLP]LKOLY))(PU IYHUJOLZ0)*)HUR¶4J(SSLUPZHKP]PZPVUVM Accounting from Marshall University, Huntington, West 0U[LYUH[PVUHS)HUJZOHYLZ*VYWVYH[PVU5(:+(8!0)6* =PYNPUPH:OLHUKOLYO\ZIHUK(UK`SP]LPU/\YYPJHUL H IPSSPVUT\S[PIHURÄUHUJPHSOVSKPUNJVTWHU` >LZ[=PYNPUPHHUKOLYKH\NO[LY*SHPYLPZHQ\UPVY OLHKX\HY[LYLKPU3HYLKV;L_HZ^P[OV]LYMHJPSP[PLZ nursing student at Marshall University. HUKTVYL[OHU(;4ZZLY]PUN JVTT\UP[PLZPU ;L_HZHUK6RSHOVTH+VYHOHZWHY[PJPWH[LKVUIVHYKZ and committees of over 30 organizations in the various ÄLSKZVMOLHS[OJHYLLK\JH[PVULJVUVTPJKL]LSVWTLU[

31 UVUWYVÄ[ZHUKTVYL*\YYLU[S`ZOLZP[ZVUIVHYKZ PTWSLTLU[LK[OLJV\U[Y`»ZÄYZ[JVTWYLOLUZP]LWYVNYHT ^P[O9PV.YHUKL9LNPVUHS/VZWP[HS*P[`VM4J(SSLU and longitudinal study on children of incarcerated 7HYRZHUK9LJYLH[PVUHUK[OL;L_HZ:[H[LL4HRL4VUL`>OPSL4HRPUNH LX\P[`*SLHYPUNOV\ZL*+-0^HZ[OLÄYZ[UVUKLWVZP[VY` +PMMLYLUJL>PSL`4VZ[YLJLU[S`H4HUHNPUN *+-0PU[OLUH[PVU[VIVYYV^MYVTHU`-LKLYHS/VTL +PYLJ[VYH[[OL9VJRLMLSSLY-V\UKH[PVU4Y)\NN3L]PUL 3VHU)HUR;OL`J\YYLU[S`THPU[HPUH TPSSPVUSPUL KLZPNULKHUKSLK[OL9VJRLMLSSLY-V\UKH[PVU»Z0TWHJ[ VMJYLKP[MYVT-/3):-;OL`^LYLVULVMMV\Y*+-0»Z 0U]LZ[PUNPUP[PH[P]L/LPZ[OLMV\UKPUNIVHYKJOHPYVM ZLSLJ[LKMVY[OLPUH\N\YHSYV\UKVM[OL*+-0-\UK)VUK [OL.SVIHS0TWHJ[0U]LZ[PUN5L[^VYRHUKJVU]LULK[OL .\HYHU[`7YVNYHTH[ TPSSPVU4Y)`Z[Y`^HZH TLL[PUN[OH[JVPULK[OLWOYHZL¸PTWHJ[PU]LZ[PUN¹ Housing Commissioner for the County of Orange and a (MVYTLYJVUZ\S[HU[^P[O4J2PUZL` *VOLHSZV *P[`*V\UJPSTLTILYMVY[OL*P[`VM3H/HIYH*HSPMVY- [LHJOLZH[*VS\TIPH)\ZPULZZ:JOVVS UPH/LZLY]LZVU[OL*605*HSPMVYUPH6YNHUPaLK0U]LZ[- TLU[5L[^VYR(K]PZVY`)VHYKÔVZLNVHSPZ[VPUJYLHZL Carol F. Burton insurance industry community investments throughout Director *HSPMVYUPH4Y)`Z[Y`ZLY]LZVUZL]LYHSV[OLYUVUWYVÄ[ JEWELD Legacy Group IVHYKZWYPTHYPSÌLULÄ[[PUNHMMVYKHISLOV\ZPUNHUK[OL KPZHISLKJVTT\UP[`/LPZH<*3(NYHK\H[L *HYVS-)\Y[VU34:>PZ[OLMV\UKLYVM1,>,3+ 3LNHJ`.YV\WHJVUZ\S[PUNÄYT[OH[MVJ\ZLZVU I\PSKPUNIYPKNLZJYLH[PUNPUUV]H[P]LHUKZ\Z[HPUHISL Ann Carpenter WYVNYHTZ^P[OPUHUKHTVUNJVYYLJ[PVUHSPUZ[P[\[PVUZ Community and Economic Development Advisor MLKLYHSWYVNYHTZUVUWYVÄ[HUKMHP[OIHZLKYLSH[LK Federal Reserve Bank of Atlanta organizations and coalitions. She is the former Ann Carpenter is a community and economic Executive Director of Centerforce, a California KL]LSVWTLU[HK]PZVYH[[OL-LKLYHS9LZLY]L)HURVM organization created to support, educate, and advocate ([SHU[HZWLJPHSPaPUNPUOV\ZPUNHUKULPNOIVYOVVK for individuals, families, and communities impacted YL]P[HSPaH[PVU7YPVY[VQVPUPUN[OL([SHU[H-LK I`PUJHYJLYH[PVU/LYYLZWVUZPIPSP[PLZH[*LU[LYMVYJL *HYWLU[LY^HZHZLUPVYYLZLHYJOHZZVJPH[LH[[OL included the operation of the nationally recognized .LVYNPH;LJO9LZLHYJO0UZ[P[\[L»Z.;900UMVYTH[PVU 464:WYVNYHTHWHY[ULYZOPW^P[O6HRSHUK/V\ZPUN HUK*VTT\UPJH[PVUZ3HIVYH[VY`:VJPV;LJOUPJHS (\[OVYP[`[VWYV]PKLZ[HISLOV\ZPUNHUK^YHWHYV\UK :`Z[LTZ+P]PZPVU;OLYLZOLZWLJPHSPaLKPU[OLHYLHZVM services for formerly incarcerated pregnant and Z\Z[HPUHIPSP[`JVTT\UP[`YLZPSPLUJLHUKLTLYNLUJ` WHYLU[PUNTV[OLYZHUK[OLPYJOPSKYLU)LMVYLQVPUPUN management planning for state and local entities in Centerforce, Burton served for six years as Associate .LVYNPH*HYWLU[LYLHYULKHIHJOLSVY»ZKLNYLLPU ,_LJ\[P]L+PYLJ[VYVM[OL6ZIVYUL(ZZVJPH[PVUPU5L^ architecture from the University of Michigan and @VYR*P[`ÔLYLZOLKL]LSVWLKZ[YLUN[OLULKHUK master’s and doctorate degrees in city and regional V]LYZH^HSSVM6ZIVYUL»ZPUWYPZVUHUKJVTT\UP[` WSHUUPUNMYVT.LVYNPH;LJO:OLPZHTLTILYVM[OL IHZLKMHTPS`HUKYLLU[Y`ZLY]PJLZWYVNYHTZ:OL (TLYPJHU0UZ[P[\[LVM*LY[PÄLK7SHUULYZ(0*7

32 Richard Chacon community development, among other timely topics. Director, Supplier Diversity and Development Ms. Chiarenza’s current research centers on community- Union Bank IHZLKLTWSV`TLU[Z[YH[LNPLZ>P[OHWYVMLZZPVUHS Richard Chacon is the Director of Supplier Diversity IHJRNYV\UKPUOV\ZPUNWVSPJ`HUKWYVNYHTL]HS\H[PVU HUK+L]LSVWTLU[MVY4<-.LSSZ-HYNV)HUR Housing Development Corporation. She received a BA 0UWHY[ULYZOPW^P[OZLUPVYSH^LUMVYJLTLU[VMÄJPHSZ PULJVUVTPJZHUKH4HZ[LYVM7\ISPJ7VSPJ`KLNYLLIV[O YLWYLZLU[PUN[OL<::LJYL[:LY]PJL[OL-)0*HSPMVYUPH from the University of California, Berkeley. HUKSVJHSSH^LUMVYJLTLU[VMÄJPHSZ9PJOHYKOHZILLU PUZ[Y\TLU[HSPUL_WHUKPUN[OLPZZ\LVM*ÌLY*YPTL Audrey Choi HUK[OLULNH[P]LPTWHJ[[VZTHSSI\ZPULZZVÛLYZ *OPLM,_LJ\[P]L6MÄJLY0UZ[P[\[LMVY:\Z[HPUHISL throughout the Union Bank footprint. Mr. Chacon Investing PZHUHJ[P]LTLTILY^P[OPUOPZJVTT\UP[`HUK Morgan Stanley ^P[OU\TLYV\ZI\ZPULZZKL]LSVWTLU[VYNHUPaH[PVUZ throughout the nation. Audrey Choi is CEO of Morgan Stanley’s Institute for :\Z[HPUHISL0U]LZ[PUN:OLPZHSZV4HUHNPUN+PYLJ[VY Gabriella Chiarenza HUK/LHKVM4VYNHU:[HUSL`»Z.SVIHS:\Z[HPUHISL -PUHUJL.YV\W0U[OLZLYVSLZZOLV]LYZLLZ[OLÄYT»Z Research Associate efforts to support resilient communities and promote Federal Reserve Bank of San Francisco LJVUVTPJVWWVY[\UP[`HUKNSVIHSZ\Z[HPUHIPSP[`[OYV\NO .HIYPLSSH*OPHYLUaHPZHYLZLHYJOHZZVJPH[L^P[O[OL [OLJHWP[HSTHYRL[Z0UHJHYLLYZWHUUPUN[OLW\ISPJ *VTT\UP[`+L]LSVWTLU[[LHTVM[OL-LKLYHS9LZLY]L WYP]H[LHUKUVUWYVÄ[ZLJ[VYZ(\KYLÒHZILJVTL )HURVM:HU-YHUJPZJV/LYYLZLHYJOHUKV\[YLHJO^VYR H[OV\NO[SLHKLYVUOV^ÄUHUJLJHUILOHYULZZLK SL]LYHNLZ[OLPU[LYZLJ[PVUVMX\HSP[H[P]LHUKX\HU[P[H[P]L [VHKKYLZZW\ISPJWVSPJ`JOHSSLUNLZ7YPVY[VQVPUPUN data to address local challenges comprehensively and Morgan Stanley, Audrey held senior policy positions in IL[[LYYLWYLZLU[HUKSLHYUMYVT[OL]PL^ZVMJVTT\UP[` the Clinton Administration, the Commerce Department TLTILYZHUKWYHJ[P[PVULYZPUJVTT\UP[`PU]LZ[TLU[ HUK[OL-LKLYHS*VTT\UPJH[PVUZ*VTTPZZPVU>OPSL Z[YH[LNPLZ:OLHSZVZLLRZ[VPTWYV]LW\ISPJHJJLZZ at the White House, she served as Chief of Staff of the to and understanding of data and policy information Council of Economic Advisers and Domestic Policy [OYV\NOOLY^VYR4Z*OPHYLUaHY\UZ[OL-9):- (K]PZVY[V[OL=PJL7YLZPKLU[7YL]PV\ZS`(\KYL`^HZ =HU[HNL7VPU[JVTT\UP[`PUKPJH[VYZZ\Y]L`WYVQLJ[ HMVYLPNUJVYYLZWVUKLU[HUKI\YLH\JOPLMH[;OL>HSS ÔPJOIYPUNZ[VNL[OLY[OVYV\NOX\HU[P[H[P]LKH[H :[YLL[1V\YUHS:OLPZJ\YYLU[S`HTLTILYVM7YLZPKLU[ WYVÄSLZ^P[OO\UKYLKZVMJVTT\UP[`Z[HRLOVSKLYZ\Y]L` 6IHTH»Z<:*VTT\UP[`+L]LSVWTLU[(K]PZVY` YLZWVUZLZ[VWPUWVPU[ZWLJPÄJJVTT\UP[`JVUJLYUZ )VHYKHUKVU[OLIVHYKZVMZL]LYHSUH[PVUHSUVUWYVÄ[Z HUKVWWVY[\UP[PLZPUJP[PLZHUK[VÛZHJYVZZ[OL-LKLYHS focused on education, conservation and impact Reserve’s 12th District. She also manages and edits the investing. Audrey is a graduate of Harvard College and *VTT\UP[`0U]LZ[TLU[ZW\ISPJH[PVUÔPJOMLH[\YLZ Harvard Business School. H]HYPL[`VMWYHJ[P[PVULY]PL^WVPU[ZHUKILZ[WYHJ[PJLZ around a given community development topic. Recent issues of Community Investments have examined community opportunities for veterans, household ÄUHUJPHSZ[HIPSP[`HUKJVSSLJ[P]LPTWHJ[HWWYVHJOLZ[V

33 Edwin Chow Sean Closkey Regional Director, West Region President Consumer Finance Protection Bureau Development Partners 0UYLZWVUZL[VHYLX\LZ[I`[OL<:+LWHY[TLU[VM 4Y*SVZRL`QVPULK9LPU]LZ[TLU[-\UKPUHUKPZ [OL;YLHZ\Y`,K^PU*OV^OLSWLKWSHUHUKI\PSK[OL YLZWVUZPISLMVYHZZPZ[PUNWYP]H[LKL]LSVWLYZHUKW\ISPJ Z[Y\J[\YLZ[HMÄUNWVSPJPLZWYVJLK\YLZHUKWYVJLZZLZ ZLJ[VYJSPLU[ZPU[OLPYLMMVY[Z[VYL]P[HSPaLULPNOIVYOVVK VM[OLUL^*VUZ\TLY-PUHUJPHS7YV[LJ[PVU)\YLH\ real estate markets. Mr. Closkey previously served *-7):PUJL[OLZ[HY[\WVM[OL*-7)PU1\S` HZ[OL,_LJ\[P]L+PYLJ[VYVM[OL5L^1LYZL`/V\ZPUN ,K^PUOHZZLY]LKHZ[OL9LNPVUHS+PYLJ[VYVM[OL*-7)»Z HUK4VY[NHNL-PUHUJL(NLUJ`/PZHJJVTWSPZOTLU[Z >LZ[9LNPVU,K^PUOHZYLZWVUZPIPSP[`MVYKPYLJ[PUN PUJS\KLJYLH[PUNHUKPTWSLTLU[PUN5L^1LYZL`»Z the agency’s consumer protection examination and IPSSPVU:THY[.YV^[O/V\ZPUN7VSPJ`7YPVY[VSLHKPUN Z\WLY]PZPVUHJ[P]P[PLZ^P[OYLZWLJ[[VYLN\SH[LKKLWVZP[VY` [OL51/4-(4Y*SVZRL`^HZ,_LJ\[P]L+PYLJ[VYVM ÄUHUJPHSPUZ[P[\[PVUZ^P[OHZZL[ZV]LY IPSSPVUHUK :[1VZLWO»Z*HYWLU[LYZ:VJPL[`PU*HTKLU/LOVSKZ [OLPYHMÄSPH[LZHZ^LSSHZUVUKLWVZP[VY`ÄUHUJPHS H):PUÄUHUJLMYVT=PSSHUV]HVTLU0UJS\ZPVUH[[OL6MÄJLVM[OL OLHKX\HY[LYLKPU[OL6;:»>LZ[9LNPVU0U[OPZYLNHYK *VTW[YVSSLYVM*\YYLUJ`6**0U[OPZYVSL4Z*VÄLSK ,K^PUV]LYZH^HSSVM[OLJVUZ\TLYJVTWSPHUJLMHPY provides executive direction, sets policies, and oversees lending, CRA, BSA, and trust examinations conducted all agency matters relating to diversity in management, I`[OL6;:PU[OLYLNPVUHZ^LSSHZ[OLZHML[`HUK LTWSV`TLU[HUKI\ZPULZZHJ[P]P[PLZ:OLYLWVY[ZKPYLJ[S` soundness examinations of caseloads of institutions in [V[OL*VTW[YVSSLYVM[OL*\YYLUJ`;OL6**LZ[HISPZOLK [OLYLNPVU,K^PUOVSKZH):KLNYLLPU:THSS)\ZPULZZ [OPZWVZP[PVU[VJVTWS`^P[O:LJ[PVUVM[OL+VKK 4HUHNLTLU[HZ^LSSHZHU4)(PU-PUHUJLMYVT:HU -YHUR>HSS:[YLL[9LMVYTHUK*VUZ\TLY7YV[LJ[PVU -YHUJPZJV:[H[L/*/*PULHYS`[VL_WHUK[OL dedicated to community and economic development. JHWHJP[`[VKL]LSVWUVUWYVÄ[OV\ZPUNHUK[VLSL]H[L 7YPVY[VQVPUPUN[OL2HUZHZ*P[`-LK*PZULYVZ^VYRLK HUKLUOHUJL>/*/*»ZWYVÄSL^P[OPU[OL*P[PLZVM>LZ[ H[[OL-LKLYHS9LZLY]L)HURVM+HSSHZHUKOHZHSZV /VSS`^VVK.SLUKHSLHUK3VZ(UNLSLZHZ^LSSHZ[OL ^VYRLKV]LYZLHZZLY]PUNHZHUI\ZPULZZL_[LUZPVU communities surrounding these cities. As a graduate VMÄJLYPU)V[Z^HUH(MYPJH/LLHYULKHIHJOLSVY»Z VM[OL

34 KPZHIPSP[PLZ)LNPUUPUNOLYJHYLLYPU[OLKL]LSVWTLU[ -V\UKH[PVUPU]LZ[PUNPULU[YLWYLUL\YZKL]LSVWPUN of market rate continuing care retirement communities, OLHS[OJHYLZVS\[PVUZMVY]\SULYHISLWVW\SH[PVUZ0U 9VIPUKL]LSVWLKHZ[YVUNPU[LYLZ[PUZLY]PJLLUYPJOLK [OL-V\UKH[PVUJSVZLK[OL:[YVUN-HTPSPLZ-\UK OV\ZPUNÔPJO^HZHMMVYKHISL[VWLVWSL^P[OSPTP[LK ÔPJOPZ[OLSHYNLZ[WH`MVYWLYMVYTHUJL[YHUZHJ[PVU incomes. In the early-1990’s as the City of Los Angeles to date focused on improving resident outcomes ^HZKL]LSVWPUNP[ZÄYZ[/V\ZPUN+LWHY[TLU[9VIPUOHK PUOV\ZPUNÄUHUJLK^P[O3V^0UJVTL/V\ZPUN;H_ [OLVWWVY[\UP[`[VHIZVYI[OLPU[YPJHJPLZVMHMMVYKHISL *YLKP[Z)LMVYLQVPUPUN[OL-V\UKH[PVUPU OV\ZPUNÄUHUJLZLY]PUNHZHÄUHUJLVMÄJLYMVYTHU`VM 2PTILYSLLZWLU[TVYL[OHUHKLJHKLPUIV[OUVUWYVÄ[ [OLÄYZ[HMMVYKHISLOV\ZPUNWYVQLJ[ZI\PS[PU3VZ(UNLSLZ and private-sector organizations to improve housing MVYWLVWSLÔV^LYLOVTLSLZZVYSP]PUNVUÄ_LKHUK HUKLJVUVTPJJVUKP[PVUZPUSV^PUJVTLJVTT\UP[PLZ VYSPTP[LKPUJVTLZ)LMVYLJVTPUN[V>/*/*9VIPU 2PTILYSLL^HZ=PJL7YLZPKLU[VM5H[PVUHS,X\P[` served for ten years as the Deputy Director for the Los 0UP[PH[P]LZH[,U[LYWYPZL*VTT\UP[`0U]LZ[TLU[ÔLYL (UNLSLZ/VTLSLZZ:LY]PJLZ(\[OVYP[`;OPZL_WLYPLUJL ZOLSLKI\ZPULZZKL]LSVWTLU[LMMVY[ZMVY[OLJVTWHU`»Z ^HZPUZ[Y\TLU[HSPU[OLKL]LSVWTLU[VMOLYWOPSVZVWO` KLI[HUKLX\P[`WYVK\J[Z [OH[OH]PUNHZLJ\YLWSHJL[VSP]LPZJY\JPHSMVY^LSS ILPUNVMPUKP]PK\HSZHUKMHTPSPLZ Rick Cortez Principal Mark Connors RAC Design Build Lender Liaison 9PJR*VY[LaLZ[HISPZOLK9(*PU (UL_WLY[KLZPNULY Department of Veterans Affairs JYHM[ZTHU9PJROHZILLUKYH^PUNKLZPNUPUNHUK 6YPNPUHSS`MYVT:HU[H)HYIHYH*(4HYRZL[[SLKPU I\PSKPUNJ\Z[VTKVVYZ^PUKV^ZÄ_[\YLZM\YUP[\YLHUK /V\Z[VU;?MVSSV^PUNOPZYL[PYLTLU[MYVT[OL<: ZWHJLZMVYV]LY`LHYZ9PJRPZPUZWPYLKLX\HSSÌ`H (PY-VYJL7YPVY[VOPZ[LU\YL^P[O[OL=(4HYR^VYRLK I\PSKPUN»ZPUOLYLU[JOHYHJ[LYHUKM\[\YLPUUV]H[PVU/L ^P[O[OL:THSS)\ZPULZZ(KTPUPZ[YH[PVUTHRPUN+PZHZ[LY HS^H`Z\WJ`JSLZTH[LYPHSZIHSHUJPUN[OLHLZ[OL[PJZVMH /VTLHUK)\ZPULZZ3VHUZPU[OL^HRLVM;YVWPJHS ZWHJL^P[OÄUHUJPHSNVHSZ(ZKLZPNUSLHKLYVUHSSWYVQ- :[VYT(SSPZVUPU/V\Z[VU;?HUK5L^@VYRMVSSV^PUN LJ[ZH[9(*9PJRPZYLJVNUPaLKMVYIYPUNPUNHO\THU- the 9/11 terrorist attacks. Mark returned to Houston PZ[PJZLUZPIPSP[`[VHSSKLZPNUJVUZ[Y\J[PVU MHIYPJH[PVU HUKLHYULKOPZ*,9;0-0,+-05(5*0(373(55,9 WYVQLJ[ZHUKVMMLYPUNZTHY[ZVS\[PVUZ[VJVTWSL_KLZPNU KLZPNUH[PVU/L^VYRLKPU[OLÄUHUJPHSWSHUUPUN challenges. Rick holds a B.Arch. from the Southern Cali- PUK\Z[Y`\U[PSHJHYLLYJOHUNLIYV\NO[OPT[V[OL=( MVYUPH:JOVVSVM(YJOP[LJ[\YL:JP(YJ9PJRTHPU[HPUZ as a Loan Specialist at the Houston Regional Loan OPZNLULYHSJVU[YHJ[VYSPJLUZLHZ^LSSHZTLTILYZOPW *LU[LYPU0U4HYRQVPULK[OL3VHU7VSPJ` ^P[O[OL3VZ(UNLSLZIYHUJOLZVM[OL(0(HZOPUN[VU+*HUKJ\YYLU[S`ZLY]LZHZ3.@»Z3LUKLY Liaison. Mark holds a Bachelor of Science Degree in Joselyn Cousins 4L[LVYVSVN`MYVT;L_HZ( 4H`VM:V\[OLYU5L]HKHÔLYL risk and portfolio management. She has led the she directed and managed the community impact team KL]LSVWTLU[VM[OL/LHS[O`-\[\YLZ-\UK[OH[WYV]PKLZ in developing strategies to address local issues in the ÄUHUJPUN[VJVTT\UP[ÒLHS[OJLU[LYZ"[OL>VVK^HYK HYLHZVMLK\JH[PVUÄUHUJPHSZ[HIPSP[`HUKOLHS[O:OLOHZ *VYYPKVY0U]LZ[TLU[-\UK[OH[PU]LZ[ZPUTHYRL[YH[L THU``LHYZVMIHURPUNL_WLYPLUJL^VYRPUNHZH*VT- housing in Detroit and Partnering for Impact an early T\UP[`9LPU]LZ[TLU[6MÄJLYMVYIV[OZTHSSHUKSHYNL Z[HNL]LU[\YLM\UK^P[O[OL*HSPMVYUPH/LHS[O*HYL ÄUHUJPHSPUZ[P[\[PVUZPU5L]HKH

35 Naomi Cytron Kim Dempsey Senior Research Associate Deputy Director, Social Investment Practice Federal Reserve Bank of San Francisco The Kresge Foundation Naomi Cytron is a Senior Research Associate in the Kim Dempsey is deputy director of the Social *VTT\UP[`+L]LSVWTLU[KLWHY[TLU[H[[OL-LKLYHS 0U]LZ[TLU[7YHJ[PJLH[;OL2YLZNL-V\UKH[PVU0U 9LZLY]L)HURVM:HU-YHUJPZJV4\JOVMOLYYLZLHYJO [OH[YVSL2PT^VYRZ^P[O2YLZNLWYVNYHT[LHTZHUK OHZMVJ\ZLKVUULPNOIVYOVVKJOHUNLHUKYLNPVUHS L_[LYUHSIVYYV^LYZÄUHUJPHSPU[LYTLKPHYPLZIHURZHUK LX\P[`HUKZOLOHZH\[OVYLKU\TLYV\ZYLWVY[ZHUK WVSPJ`THRLYZ[VPKLU[PM`HYLHZ^OLYLSHJRVMJHWP[HSPZ articles on topics ranging from concentrated poverty HIHYYPLY[VOLSWPUN]\SULYHISLWLVWSLPTWYV]L[OLPYSPML [V[YHUZP[VYPLU[LKKL]LSVWTLU[:OL^HZHZLUPVY circumstances. She structures social investments using editor of What Counts: Harnessing Data for America’s KLI[LX\P[`HUKN\HYHU[LLZHUKOLSWZTVUP[VY[OVZL *VTT\UP[PLZH]VS\TLVMLZZH`ZW\ISPZOLKPUI` JVTTP[TLU[Z2PTWSH`LKHJLU[YHSYVSLPU2YLZNL»ZÄYZ[ [OL:HU-YHUJPZJV-LKHUK[OLOP[L/V\ZL^VYRPUNJVSSHIVYH[P]LS`^P[O[OL6MÄJL 4PUULHWVSPZ4Z+L*SHYROHZILLU^P[O[OL9LZLY]L of Social Innovation and the Council on Environmental )HURMVYTVYL[OHU`LHYZ0UHKKP[PVU[V^VYRPUN 8\HSP[`+VUV]HUOHZILLU*OPLM6WLYH[PUN6MÄJLY H[[OL9LZLY]L)HUR3PZH[LHJOLZ[^VJVUZ\TLY VM*HWP[HS0TWHJ[7HY[ULYZHJLY[PÄLK*VTT\UP[` IHURPUNYLN\SH[PVUJSHZZLZH[HSH^ZJOVVSPU:[7H\S +L]LSVWTLU[-PUHUJPHS0UZ[P[\[PVU*+-0^OLYLZOL 4PUULZV[H:OLOHZHSH^KLNYLLMYVT[OL

36 :OLOHZW\ISPZOLKWHWLYZHUKHY[PJSLZMVY[OL5H[PVUHS PU[V:LSM/LSW-LKLYHS*YLKP[VYSK-VY\TVU:VJPHS /PZWHUPJTHYRL[HUKOHZYLJLP]LKU\TLYV\ZH^HYKZ Entrepreneurship. She has an undergraduate degree in PUJS\KPUN[OL*\S[\YHS+P]LYZP[`(^HYKMVY0UKP]PK\HS ,JVUVTPJZHUKHU4)(PU-PUHUJL >VYRI`[OL*HSPMVYUPH*YLKP[PSSPHT+V^SPUNQVPULK[OL*VTT\UP[`+L]LSVWTLU[ Chief of Staff [LHTVM[OL:HU-YHUJPZJV-LKPUHZWHY[VMH Councilmember David Ryu UL^WHY[ULYZOPWWYVNYHT^P[O[OL-PUHUJPHS0UZ[P[\[PVU +\ZZLH\S[KL]LSVWLK4H`VY.HYJL[[P»ZJHTWHPNUWVSPJ` Supervision and Credit unit. In this role, he analyzes agenda for his 2013 mayoral race. Prior, Dusseault a variety of national economic indicators and managed and guided the legislative agenda for then YLNPVUHS[YLUKZ[VPUMVYTIHURZHUKIHURL_HTPULYZ *P[`*V\UJPS7YLZPKLU[.HYJL[[PMYVTHYKSH^

37 Directors’ Compliance Workshop, and formerly served VMSH^HUKTLU[HSOLHS[OZLY]PJLZ^P[OHZWLJPÄJ as an instructor for the OCC’s Consumer Compliance MVJ\ZVUTPSP[HY`]L[LYHUZ+Y,SIVNLUPZ7YPUJPWHS Basic School. Ms. Eanes came to the OCC from Investigator of NIH, DOD, and DoE funded research :\U;Y\Z[)HURMVYTLYS`*YLZ[HY)HUR^OLYLZOL^HZH L_HTPUPUN[OLLMMLJ[ZVM7VZ[;YH\TH[PJ:[YLZZ+PZVYKLY regional Community Reinvestment Act & Compliance 7;:+HUK;YH\TH[PJ)YHPU0UQ\Y`;)0VUWVZ[ Manager for nine years. Ms. Eanes spent four years as a KLWSV`TLU[HKQ\Z[TLU[HTVUN0YHX(MNOHUPZ[HU JVTTLYJPHSIHURLYHUKÄ]L`LHYZPUYL[HPSIHURPUN^P[O =L[LYHUZZWLJPÄJHSS`]PVSLUJLHNNYLZZPVUJYPTPUHS *VSVUPHS(TLYPJHU5H[PVUHS)HUR*(5)^OPJO^HZ Q\Z[PJLPU]VS]LTLU[HUKHSJVOVSHI\ZL+Y,SIVNLU HJX\PYLKI`*YLZ[HYPU 4Z,HULZ^HZNYHK\H[LK currently provides forensic and neuropsychological MYVT1HTLZ4HKPZVU

David Ehrich Amanda Elliott Principal, National Lead for Bank On Executive Director Cities for Financial Empowerment Fund Richmond Main Street Initiative +H]PK,OYPJOPZH7YPUJPWHSH[[OL*P[PLZMVY-PUHUJPHS Amanda Elliott is the executive director of the Richmond ,TWV^LYTLU[-\UK*-,-\UKHUH[PVUHSUVUWYVÄ[ Main Street Initiative. She holds a Master Degree in organization that supports municipal efforts to help Leadership from St. Mary’s College. As the executive SV^PUJVTLMHTPSPLZHUKPUKP]PK\HSZHJOPL]LSVUN[LYT director of Richmond Main Street for the past 8 years, ÄUHUJPHSZ[HIPSP[`+H]PKSLHKZ[OL*-,-\UK»ZUH[PVUHS ZOLOHZILLUPUZ[Y\TLU[HSPUKL]LSVWPUNL_JP[PUN )HUR6UPUP[PH[P]LÔPJOWHY[ULYZ^P[OÄUHUJPHS HJ[P]P[PLZHUKL]LU[Z[OH[JLSLIYH[L[OLYPJOOPZ[VY`HUK institutions, local government leaders, consumer KP]LYZP[`VM[OLJP[`:OLPZYLZWVUZPISLMVYTHUHNPUN advocates, regulators, and other national organizations and supervising the activities, operations and services to support local coalition efforts to connect their VM[OLVYNHUPaH[PVU"KL]LSVWPUNZ[YH[LNPLZMVYLUOHUJPUN \UIHURLKHUK\UKLYIHURLKYLZPKLU[Z[VZHMLHUK [OLKVÛ[VÛLJVUVT`"LZ[HISPZOPUNYLSH[PVUZOPWZ HWWYVWYPH[L[YHUZHJ[PVUHJJV\U[Z;OL*-,-\UKLMMVY[ ^P[OWYVWLY[`HUKI\ZPULZZVÛLYZSVJHSNV]LYUTLU[ provides funding, technical assistance, research, and HUK[OLJVTT\UP[`H[SHYNL:OL^HZPUZ[Y\TLU[HSPU learning community opportunities to assist in these developing an outreach strategy to engage property SVJHSLMMVY[ZHUKHZ^LSSHZYLSLHZPUNIPLUUPHS)HUR HUKI\ZPULZZVÛLYZ[VJYLH[LÄYZ[HUKVUS`7YVWLY[` 6U5H[PVUHS(JJV\U[:[HUKHYKZÔPJOV\[SPULV]LY )\ZPULZZ0TWYV]LTLU[+PZ[YPJ[7)0+PU*P[`VM 25 features for safe and appropriate consumer access Richmond and West Contra Costa County. Amanda transactional products, including no overdraft fees and OHZHSZVKL]LSVWLKV[OLYUV[LKWYVNYHTZHUKWYVQLJ[Z IPSSWH`M\UJ[PVUHSP[`7YPVY[VQVPUPUN[OL*-,-\UK including the Summer Youth Entrepreneur Program, Art +H]PK»Z`LHYJHYLLYPUÄUHUJPHSZLY]PJLZPUJS\KLK 0U>PUKV^ZHUK[OL7PSV[5LPNOIVYOVVK(TIHZZHKVY leading credit card strategy and product development 7YVNYHTÔPJOLHYULK[OLVYNHUPaH[PVUH4L[3PML MVY)PN+H[HH[174VYNHU*OHZLZLY]PUNHZHNLULYHS -V\UKH[PVU*VTT\UP[`7VSPJL7HY[ULYZOPW(^HYK:OL manager in the prepaid division of American Express, ZLY]LZVU[OLIVHYKVMKPYLJ[VYZMVY[OL*VTT\UP[` HUK^VYRPUNHZHTHUHNLTLU[JVUZ\S[HU[MVY4J2PUZL` Housing Development Corporation, the California Main HUK*VTWHU`+H]PKOVSKZH):^P[OKPZ[PUJ[PVUMYVT Street Alliance and is currently the chair of the Ad- *VYULSS

Eric Elbogen Jim Enright Associate Professor Senior Consumer Compliance and CRA Examiner University of North Carolina-Chapel Hill Federal Reserve Bank of Kansas City +Y,SIVNLUYLJLP]LKH)(MYVT*VYULSS

38 *VUZ\TLY(MMHPY»Z*9(ZVM[^HYLHWWSPJH[PVUI\ZPULZZ *VSSLNL/LOHZHSZVILLUHSLHKLYPU[OLJVSSHIVYH[PVU development group and is also a CRA instructor for the IL[^LLU[OL-LKLYHS9LZLY]LHUK[OL9VILY[>VVK -LKLYHS9LZLY]L»Z,_HTPULY*VTTPZZPVUPUN;YHPUPUN 1VOUZVU-V\UKH[PVUVUIYPUNPUNOLHS[O[VNL[OLY^P[O 7YVNYHT1PTPZHNYHK\H[LVM*VSVYHKV:[H[L:,7PU*OPJHNV[OLÄYZ[HUKSHYNLZ[\YIHU OV\ZLOVSKZ+Y,YN\UNVYQVPULK[OL)HURPUHZ microenterprise development organization in the U. S. HULJVUVTPZ[/L^HZWYVTV[LK[VZLUPVYYLZLHYJO HUK[OLÄYZ[HKHW[H[PVUVM[OL.YHTLLU)HURTVKLS[VH economist in 2009, and served as an advisor to the <:\YIHUZL[[PUN:OLMV\UKLK>:,7=LU[\YLZHZVJPHS )HURPUN7VSPJ`HUK(UHS`ZPZ.YV\W/L^HZUHTLK LU[LYWYPZLUVUWYVÄ[[OH[JH[HSàLKUL^]LU[\YLZIÙVU- to his current position in April 2014. He also serves WYVÄ[JVTT\UP[ÌHZLKSLHKLYZZLY]PUNKPZLUMYHUJOPZLK HZHUHKQ\UJ[WYVMLZZVYVMÄUHUJLH[[OL>LH[OLYOLHK JVTT\UP[PLZ"HUKZOLMV\UKLK*:VS\[PVUZHJVUZ\S[PUN School of Management at Case Western Reserve IV\[PX\LMVJ\ZLKVUZVS\[PVUZMVYZVJPHSJOHUNLPU[OL VTLU.SVIHS-\UKMVY>VTLUHUK[OL*+-0(K]P- University of Michigan. ZVY`)VHYKH[[OL<:+LWHY[TLU[VM[OL;YLHZ\Y`

David J. Erickson Jessica Farr Director, Center for Community Development Manager of Examinations Investments Federal Reserve Bank of Atlanta Federal Reserve Bank of San Francisco 1LZZPJH3L=LLU-HYYPZHTHUHNLYVML_HTPUH[PVUZ^P[O +H]PK1,YPJRZVUPZKPYLJ[VYVM[OL*LU[LYMVY [OL-LKLYHS9LZLY]L)HURVM([SHU[H[LHTYLZWVUZPISL *VTT\UP[`+L]LSVWTLU[0U]LZ[TLU[ZH[[OL-LKLYHS MVYL_HTPUPUNIHURJVTWSPHUJL^P[O[OL*VTT\UP[` 9LZLY]L)HURVM:HU-YHUJPZJVHUKLKP[Z[OL-LKLYHS 9LPU]LZ[TLU[(J[*9(1LZZPJH^VYRZVU*9(L_HTZ 9LZLY]LQV\YUHS*VTT\UP[`+L]LSVWTLU[0U]LZ[TLU[ MVYSHYNLHUKPU[LYTLKPH[LPUZ[P[\[PVUZYL]PL^PUN 9L]PL^/PZYLZLHYJOHYLHZPU[OL*VTT\UP[` community development activities and conducting +L]LSVWTLU[KLWHY[TLU[VM[OL-LKLYHS9LZLY]LPUJS\KL analysis of market conditions and community JVTT\UP[`KL]LSVWTLU[ÄUHUJLHMMVYKHISLOV\ZPUN KL]LSVWTLU[VWWVY[\UP[PLZ[VIL[[LYPUMVYT[OL*9( economic development, and institutional changes that L_HTPUH[PVUWYVJLZZ1LZZPJHQVPULK[OL*9(L_HT[LHT ILULÄ[SV^PUJVTLJVTT\UP[PLZ,YPJRZVUOHZH7O+ PU1\UL-YVT[V1LZZPJHZLY]LKHZ[OL in history from the University of California, Berkeley, Senior Regional Community Development Manager ^P[OHMVJ\ZVULJVUVTPJOPZ[VY`HUKW\ISPJWVSPJ` MVY;LUULZZLLMVY[OL-LKLYHS9LZLY]L)HURVM([SHU[H /LHSZVOVSKZHTHZ[LY»ZKLNYLLPUW\ISPJWVSPJ`MYVT 5HZO]PSSL)YHUJO:OL^VYRLK^P[OIHURZUVUWYVÄ[ Berkeley and an undergraduate degree from Dartmouth organizations and government agencies to address

39 different community development initiatives including Grace Fricks HZZL[I\PSKPUNHMMVYKHISLOV\ZPUNZTHSSI\ZPULZZ President and CEO QVIJYLH[PVUHUKULPNOIVYOVVKZ[HIPSPaH[PVU1LZZPJH Access to Capital for Entrepreneurs, Inc. received her Masters in City Planning from UNC- .YHJL-YPJRZMV\UKLK(JJLZZ[V*HWP[HSMVY *OHWLS/PSS^P[OHULTWOHZPZVUJVTT\UP[`LJVUVTPJ ,U[YLWYLUL\YZ0UJPU HUKILNHU[OLSLUKPUN development. She also graduated from University of service in 1999. She currently serves on the National *HSPMVYUPH:HU+PLNV^P[OH)(PU\YIHUZ[\KPLZ 4PJYVJYLKP[;HZR-VYJLHUKJVJOHPYZ[OL;HZR-VYJL >VYRPUN.YV\WVU,UZ\YPUN0UJS\ZPVUVM3V^>LHS[O Rachel Firschein Communities. She serves on the Board of Directors of Senior Vice President (WWHSHJOPHU*VTT\UP[`*HWP[HS"[OL(K]PZVY`)VHYK Raymond James & Associates MVY,U[LYWYPZL[V,TWV^LY,U,TH.LVYNPH0UZ[P[\[L VM;LJOUVSVN`Z[\KLU[SLKVYNHUPaH[PVU"VTLU)\ZPULZZ6^ULYZ([SHU[HJOHW[LY0U Washington University and a BA from Rutgers University. CNN Money recognized ACE as one of the country’s 9HJOLSPZHJ[P]LS`PU]VS]LKHZH]VS\U[LLY^P[OHU\TILY [VWTPJYVÄUHUJLVYNHUPaH[PVUZ0U(*,^HZ VMJOHYP[HISLHUKLK\JH[PVUHSVYNHUPaH[PVUZPU[OL UHTLKI`[OL.LVYNPHVMÄJLVM[OL<::THSS)\ZPULZZ >HZOPUN[VU+*HYLH:OLZLY]LZVU[OLIVHYKVM[OL (KTPUPZ[YH[PVUHZ[OL-PUHUJPHS:LY]PJLZ*OHTWPVUVM -YPLUKZVM)HYRLYH>HZOPUN[VU+*HKVW[PVUHNLUJ` [OL@LHYHUK4Z-YPJRZ^HZUHTLKHZVULVM[OL HUK[OL.SHKUL`*LU[LYMVY(KVW[PVU¶5H[PVUHS*HWP[HS 4VZ[0UÅ\LU[PHS.LVYNPHUZI`.LVYNPH;YLUK4HNHaPUL (YLH-HTPS`(ZZVJPH[PVU:OLPZHSZVH]VS\U[LLYHS\TUP :OLYLJLP]LKOLY\UKLYNYHK\H[LKLNYLLPUZVJPHS^VYR TLU[VY^P[O.LVYNL>HZOPUN[VUHZOPUN[VU+*4Z-YLLTHUOHZILLU^P[O[OL ^VYRMVYJLKL]LSVWTLU[WYVNYHTPU[VHSVJHSO\IMVY -+0*MVYHWWYV_PTH[LS``LHYZILNHUOLYJHYLLYPU [YHPUPUNLK\JH[PVUHUKQVIWSHJLTLU[(SPZZHQVPULK HZHIHURL_HTPULYPU3V\PZPHUHHUK(YRHUZHZ 6WWVY[\UP[`1\UJ[PVUPUHZ7YVQLJ[4HUHNLY and also served as a Compliance Examiner in the and took over as Executive Director in 2003. Before 9HSLPNO5VY[O*HYVSPUHVMÄJL:OLOHZHSZVZLY]LKHZ QVPUPUN[OLVYNHUPaH[PVUZOL^VYRLKPUZVM[^HYL an Acting Regional Director in Chicago and an Acting development for eight years, as an attorney at Morrison *OPLMVM0U[LYUHS*VU[YVSHUK9L]PL^4Z-YLLTHU -VLYZ[LYHUK-YPLUK -YPLKTHU0U(SPZZH ^VYRZVUL_HTPUH[PVUHUKLUMVYJLTLU[PZZ\LZPU]VS]PUN JVTWSL[LKHMLSSV^ZOPW^P[O[OL>VTLU»Z7VSPJ` ]HYPV\ZJVUZ\TLYWYV[LJ[PVUZSH^ZZWLJPHSPaPUNPU Institute and helped draft and successfully advocate [OL*VTT\UP[`9LPU]LZ[TLU[(J[*9(/4+(HUK MVY:) [OL,K\JH[PVU>VYRZIPSS:OLOHZHSZV -HPY3LUKPUN0UHKKP[PVUZOLZLY]LZHZHUPUZ[Y\J[VY served as a Commissioner on the Contra Costa County MVY]HYPV\ZL_HTPULY[YHPUPUNJV\YZLZ^P[OPU[OL-+0* *VTTPZZPVUMVY>VTLU^OPJOHK]PZLZ[OL)VHYKVM HZ^LSSHZZWLHRPUNH[THU`YLN\SH[VY`HUKPUK\Z[Y` :\WLY]PZVYZVUPZZ\LZHMMLJ[PUN^VTLUHUKNPYSZPU[OL JVUMLYLUJLZ4Z-YLLTHUPZJVTTPZZPVULKHZHU county. She is a former Editor-in-Chief of the Berkeley L_HTPULYPUIV[OYPZRTHUHNLTLU[HUKJVTWSPHUJLHUK >VTLU»Z3H^1V\YUHS0U(SPZZH^HZZLSLJ[LKI` PZH*LY[PÄLK9LN\SH[VY`*VTWSPHUJL4HUHNLY*9*4 (ZZLTIS`^VTHU:\ZHU)VUPSSHHZ+PZ[YPJ[»Z>VTHU She is a graduate of the University of Arkansas and VM[OL@LHYPUYLJVNUP[PVUVMOLYZPNUPÄJHU[JVU[YPI\[PVUZ [OL:[VUPLY.YHK\H[L:JOVVSVM)HURPUNH[OHY[VU 6YPNPUHSS`MYVT,]HUZ[VU0SSPUVPZZOLOVSKZHIHJOLSVY»Z 3LHKLYZOPW*LY[PÄJH[L4Z-YLLTHUPZHUH[P]LVM KLNYLLPUWO`ZPJZMYVT/HY]HYK

40 Scott Fujii Douglas Garver =PJL7YLZPKLU[HUK*9(6MÄJLY Executive Director Bank of Hawaii Ohio Housing Finance Agency :JV[[-\QPPPZ=PJL7YLZPKLU[HUK*VTT\UP[` +V\NSHZ(.HY]LY,_LJ\[P]L+PYLJ[VYVM[OL6OPV 9LPU]LZ[TLU[(J[6MÄJLY)HURVM/H^HPP/PZHYLH /V\ZPUN-PUHUJL(NLUJ`V]LYZLLZ[OLSLHK(NLUJ`MVY ILZPKLZ[OL:[H[LVM/H^HPPPUJS\KLZ[OL;LYYP[VYPLZ HMMVYKHISLOV\ZPUNPU6OPV;OL(NLUJ`HKTPUPZ[LYZH VM.\HT:HPWHUHUK(TLYPJHU:HTVH4Y-\QPPOHZ ^PKLYHUNLVMWYVNYHTZ[OH[VMMLYHZZPZ[HUJL[VÄYZ[[PTL ILLU^P[O)HURVM/H^HPPMVY`LHYZHUKHZ*9( OVTLI\`LYZOVTLVÛLYZYLU[LYZZLUPVYJP[PaLUZHUK 6MÄJLYZPUJL 7YPVYHZZPNUTLU[ZPUJS\KLIYHUJO V[OLYWVW\SH[PVUZÔVTPNO[UV[V[OLY^PZLILHISL[V HUKI\ZPULZZIHURPUNTHUHNLTLU[HZ^LSSHZ+P]PZPVU HMMVYKHUKZ\Z[HPUX\HSP[ÒV\ZPUN.HY]LYJ\YYLU[S` :HSLZ4HUHNLTLU[4Y-\QPPOVSKZH):KLNYLLPU serves on the Boards of the National Council of State Business Administration from Oregon State University /V\ZPUN(NLUJPLZHUK[OL6OPV:[H[L^PKL+L]LSVWTLU[ HUKHSZVNYHK\H[LKMYVT7HJPÄJ*VHZ[)HURPUN:JOVVS *VYWVYH[PVU/LPZHTLTILYVM[OL([[VYUL`.LULYHS»Z H[[OLHZOPUN[VU;^VWYVNYHTZ ;HZRMVYJLVU*YPTPUHS1\Z[PJLHUK4LU[HS0SSULZZ receiving recent recognition include the 2014 American HUKZLY]LZHZ*VJOHPYVM[OL;HZRMVYJL»Z/V\ZPUN )HURLYZ(ZZVJPH[PVU*VTT\UP[`*VTTP[TLU[(^HYK :\IJVTTP[[LL.HY]LYPZHSZVHZP[[PUNTLTILYVM6OPV»Z MVY,JVUVTPJ+L]LSVWTLU[MVY[OL/H^HPP@V\[O /V\ZPUNHUK/VTLSLZZULZZ*VSSHIVYH[P]LHUKPZH 6WWVY[\UP[PLZ0UP[PH[P]LHJVSSHIVYH[PVUZPUJL TLTILYVM[OL-LKLYHS/VTL3VHU)HURVM*PUJPUUH[P ^P[O1PT*HZL`HUK[OL(UUPL,*HZL`-V\UKH[PVU Advisory Council and the Stepping Up Ohio Steering ÔPJOYLZ\S[LKPUVWLUPUNULHYS` ZH]PUNZHUK0+( *VTTP[[LL7YPVY[VOPZHWWVPU[TLU[H[6/-(PU HJJV\U[ZHUKWYVJLZZPUNV]LY PUX\HSPÄLK -LIY\HY`VM.HY]LYZLY]LKÄ]L`LHYZHZ(ZZPZ[HU[ ^P[OKYH^HSZMVYMVYTLYMVZ[LY`V\[OHUK[OL7YV to the Director and Assistant Director of the Ohio )VUV(^HYKMYVT3LNHS(PK:VJPL[`VM/H^HPPMVY Department of Development. He received a Bachelor WYV]PKPUNZPUJL09:JLY[PÄLKIHURLYZ[VZ[HMMP[Z VM(Y[Z+LNYLLMYVT4V\U[OH[>VYRZ program integration and has successfully integrated MVY(TLYPJH»Z*VTT\UP[PLZHJVSSLJ[PVUVMLZZH`ZQVPU[S` ÄUHUJPHSZLY]PJLZPU[VZL]LYHSWYVNYHTZH[OLYHNLUJ` W\ISPZOLK^P[O[OL3V^0UJVTL0U]LZ[TLU[-\UKVU )LMVYLLU[LYPUN[OLÄLSKVMUVUWYVÄ[:HYHP^HZH/<+ [OLM\[\YLVMHU[PWV]LY[`WVSPJ`/LHSZVW\ISPZOLK[OL JLY[PÄLK/V\ZPUN*V\UZLSVYHUK^VYRLKHZH4VY[NHNL HY[PJSL¸

41 regarding consumer compliance supervision and ÄUHUJPHSZLY]PJLZPU[LYUH[PVUHSTHYRL[KL]LSVWTLU[ *VTT\UP[`9LPU]LZ[TLU[(J[*9(PZZ\LZHUKZLY]LZ and risk management.During his last four years in VU[OLPU[LYHNLUJ`*9(WVSPJ`^VYRPUNNYV\W+\YPUN NV]LYUTLU[.SPJRTHUMVJ\ZLKVU^VYR[VKL]LSVWUL^ her tenure in the Division of Consumer and Community WYHJ[PJLZMVYÄUHUJPUNW\ISPJWYVNYHTZPUJS\KPUNZVJPHS (MMHPYZOLYYLZWVUZPIPSP[PLZOH]LHSZVPUJS\KLKYL]PL^PUN PTWHJ[IVUKZHUK¸WH`MVYZ\JJLZZ¹PUP[PH[P]LZ[OLÄYT and evaluating the Reserve Banks’ implementation of said. At OMB, he sought to further that agency’s use JVTWSPHUJLWVSPJPLZ*H[O`OHZ^VYRLKH[[OL-LKLYHS VMKH[HHUKL]PKLUJLPUÄLSKZZ\JOHZO\THUZLY]PJLZ 9LZLY]L)VHYKMVYV]LY[^LU[`Ä]L`LHYZHUKWYL]PV\ZS` and environmental response.He also led the Partnership ^VYRLKH[HJVTTLYJPHSIHUR*H[O`YLJLP]LKHU -\UKMVY7YVNYHT0U[LNYP[`0UUV]H[PVUHUPUP[PH[P]L 4)(MYVT;OL.LVYNL>HZOPUN[VUVYRLYHUKOHZ^VYRLKPU[OLUVU Steve Goldberg WYVÄ[ZLJ[VYMVYV]LY`LHYZ MR Caffeinated Capital LLC Gary Glickman :[L]L.VSKILYNPZHUPUKLWLUKLU[ZVJPHSPU]LZ[TLU[ Strategy Consultant HK]PZVY[VMV\UKH[PVUZUVUWYVÄ[ZZVJPHSLU[LYWYPZLZ Accenture and government agencies at Caffeinated Capital, LLC, .HY`.SPJRTHUMVYTLYS`HUVMÄJPHSH[[OL<:;YLHZ\Y` IHZLKPU)VZ[VU4(/PZWYHJ[PJLMVJ\ZLZVUZJHSPUN HUK6MÄJLVM4HUHNLTLU[HUK)\KNL[OHZQVPULK social innovation, enhancing investment-readiness, and (JJLU[\YL5@:,!(*5PUHZ[YH[LN`JVUZ\S[PUNYVSL KL]LSVWPUNOPNOX\HSP[`ZVJPHSPU]LZ[TLU[[YHUZHJ[PVUZ HUK^PSS^VYR^P[O[OLÄYT»ZZ[H[LHUKSVJHSNV]LYUTLU[ MVYW\ISPJWYP]H[LHUKJOHYP[HISLVYNHUPaH[PVUZ J\Z[VTLYZ(JJLU[\YLZHPK;\LZKH`[OH[.SPJRTHUZWLU[ 7YL]PV\ZS`:[L]L^HZ4HUHNPUN+PYLJ[VYHUK.LULYHS [OL`LHYZWYPVY[V[OL;YLHZ\Y`HUK64)PUV[OLY *V\UZLSH[:VJPHS-PUHUJL<:^OLYLOLOLSWLKPTWVY[ HK]PZVY`YVSLZ[V^VYR^P[OW\ISPJZLJ[VYHUKI\ZPULZZLZ :VJPHS0TWHJ[)VUKZ:0)ZMYVT[OL<2:[L]LPZ[OL in areas such as human services delivery, technology, author of Billions of Drops in Millions of Buckets: Why

42 7OPSHU[OYVW`+VLZU»[(K]HUJL:VJPHS7YVNYLZZ>PSL` IPSSPVUZVMKVSSHYZPUHMMVYKHISLOV\ZPUNÄUHUJPUN ^OPJOTHRLZ[OLJHZLMVYZJHSPUNNYV^[OYLHK` ZTHSSI\ZPULZZSLUKPUNZTHSSI\ZPULZZ[LJOUPJHS TPKJHWUVUWYVÄ[Z[OYV\NOWLYMVYTHUJLIHZLKM\UKPUN HZZPZ[HUJLNYHU[ZLX\P[`PU]LZ[TLU[ZHUKNYLH[LY /L^HZZLSLJ[LKI`[OL*VYWVYH[PVUMVY5H[PVUHSHUK HJJLZZ[VHMMVYKHISLIHURPUNWYVK\J[ZMVYSV^PUJVTL *VTT\UP[`:LY]PJL[VILVULVMUH[PVUHSL_WLY[ communities and communities of color in California. YL]PL^LYZMVY[OLÄYZ[:VJPHS0UUV]H[PVU-\UK7YPVY[V 7YPVY[VOLY[LU\YLH[*9*4Z.VUaHSLaSLKLJVUVTPJ ^VYRPUN^P[OUVUWYVÄ[Z:[L]LZWLU[[OYLLKLJHKLZ Q\Z[PJLJHTWHPNUZMVYV]LY`LHYZPUJS\KPUNHZ PUNV]LYUTLU[SH^HUKI\ZPULZZ/LYLJLP]LKH1+ [OLL_LJ\[P]LKPYLJ[VYVM:[YH[LNPJ(J[PVUZMVYH1\Z[ THNUHJ\TSH\KLMYVT)VZ[VU*VSSLNL3H^:JOVVS ,JVUVT`:(1,PU:V\[O3VZ(UNLSLZ([:(1,OLY HU4(PULJVUVTPJZMYVT5VY[O^LZ[LYU

43 metro and multi-county rural areas. Community Affairs -LSSV^PU:OLZLY]LZVU]HYPV\ZIVHYKZ HSZVTHUHNLZ[OLKL]LSVWTLU[HUKKPZ[YPI\[PVUVM[OL including Strategic Concepts in Organizing and Political Money Smart educational curricula for young people, ,K\JH[PVU:*67,HUK*HSPMVYUPH9LPU]LZ[TLU[ HK\S[ZVSKLYHK\S[ZHUKZTHSSI\ZPULZZV^ULYZ1HUL[ Coalition. also has served as a Senior Policy Analyst in DCP’s :\WLY]PZVY`7VSPJ`:LJ[PVUHUKWYL]PV\ZS`^VYRLKHZ[OL Luis Granados JVTWSPHUJLTHUHNLYMVY[^VSHYNLIHURPUNJVTWHUPLZ Executive Director HZHTHUNLYMVYHTHQVYJVUZ\S[PUNÄYTHUKHZ(ZZVJPH[L Mission Economic Development Agency Director of the Community Development Corporation 3\PZ.YHUHKVZOHZWYV\KS`ZLY]LKHZ[OL,_LJ\[P]L HUK0U]LZ[TLU[7YVNYHTH[[OL6MÄJLVM[OL*VTW[YVSSLY Director for the Mission Economic Development VM[OL*\YYLUJ`:OLNYHK\H[LKMYVT;OLHZOPUN[VUOPSL W\ISPJYLSH[PVUZLMMVY[ZHUKPZOPNOS`HKLW[HUKÅ\LU[ HZ[\KLU[OL^VYRLKWHY[[PTLH[[OL4HZZHJO\ZL[[Z PUZ[YH[LNPJTLZZHNPUN[YHKP[PVUHSHUKUL^TLKPH Commission against Discrimination, investigating THUHNLTLU[PUIV[O,UNSPZOHUK:WHUPZO;OL*HSPMVYUPH complaints of discrimination in housing, employment, >VTLU»Z-V\UKH[PVUYLJVNUPaLK0ZLSHMVYOLY[OV\NO[ HUKW\ISPJHJJVTTVKH[PVUZ SLHKPUN^VYRMVYT\SH[PUNZVS\[PVUZ[VJVTT\UP[`PZZ\LZ I`HWWVPU[PUNOLYH*HSPMVYUPH>VTLU»Z7VSPJ`0UZ[P[\[L

44 Andrew Gross as Director she serves as the lead individual and point President person for the Magnolia Community Initiative and Thomas Safran & Associates 5L[^VYR7HY[ULYZ3PSHSLHK»Z[OLWYVJLZZULJLZZHY` 4Y.YVZZPZ7YLZPKLU[VM;OVTHZ:HMYHU (ZZVJPH[LZ to communicate and achieve the agreed upon goals +L]LSVWTLU[0UJ7YPVY[VQVPUPUN;OVTHZ:HMYHU of the Initiative, overseeing the coordination and (ZZVJPH[LZOL^VYRLKHZHU(ZZVJPH[LH[/V\SPOHU implementation of the Magnolia Community Initiative 3VRL`/V^HYKHUKA\RPUH3VZ(UNLSLZIHZLK HUK[OL5L[^VYR7HY[ULYZ[VTLL[P[ZTPZZPVU]PZPVU PU]LZ[TLU[IHUR/LPZHTLTILYVM[OL*HSPMVYUPH philosophy and strategies. Magnolia Community )HYHUKOHZH1+4)(MYVT,TVY`HSRVM-HTL 3P]PUN*P[PLZÔLYL4Z/HJRLZLY]LKHZ+PYLJ[VYVM JLYLTVUPLZ,HJO`LHY[OL*OHTILYPUK\J[ZHIV\[[^V *HWP[HS0UUV]H[PVUMVYZL]LU`LHYZ:OLPZHTLTILYVM KVaLUJLSLIYP[PLZPU[V[OLMHTV\Z^HSR^H` [OLZ[LLYPUNJVTTP[[LLMVY[OL-LKLYHS9LZLY]L)HUR VM)VZ[VU»Z>VYRPUN*P[PLZ*OHSSLUNL:OLOHZ^VYRLK Lila Guirguis ^P[O[OL9VILY[>VVK1VOUZVU-V\UKH[PVUVULMMVY[Z Director [VI\PSKOLHS[O`WSHJLZHUKOHZZLY]LKHZH]PZP[PUN Magnolia Community Initiative ZJOVSHYH[[OL-LKLYHS9LZLY]L)HURVM:HU-YHUJPZJV -VYTVYL[OHUHKLJHKL3PSH.\PYN\PZOHZOHKL_[LUZP]L 4Z/HJRLWYL]PV\ZS`^HZH]LU[\YLJHWP[HSPZ[HUKHU WYVMLZZPVUHSL_WLYPLUJL^VYRPUN^P[O3VZ(UNLSLZ PU]LZ[TLU[IHURLY:OLLHYULKH)(THNUHJ\TSH\KL IHZLKVYNHUPaH[PVUZJVTT\UP[ÌHZLKPUP[PH[P]LZHUK PU.V]LYUTLU[MYVT/HY]HYK9HKJSPMML*VSSLNLHUKHU JVTT\UP[`NYV\WZ4Z.\PYN\PZOLSWZVYNHUPaH[PVUZ MBA from Harvard Business School. develop cross-sector relationships to effectively and LMÄJPLU[S`^VYR^P[OLHJOV[OLY[VHJOPL]LJVTTVU Mary Hagerty Ehrsam goals. As the Director of Magnolia Community Initiative President, Global Youth Empowerment Group and 4*0ZOLZ\WWVY[Z[OLTVIPSPaH[PVUVMJVTT\UP[` Market President of the Northeast Region organizations and residents to take effective actions that Operation HOPE, Inc. improve health and developmental outcomes, using 4HY`/HNLY[`,OYZHTPZ[OL7YLZPKLU[VM[OL.SVIHS UL[^VYR[OLVY`HUKJOHUNLTHUHNLTLU[Z[YH[LNPLZ @V\[O,TWV^LYTLU[.YV\WHUK4HYRL[7YLZPKLU[VM KLZPNULK[V[YHUZMVYT^VYRPUNYLSH[PVUZOPWZJHYL [OL5VY[OLHZ[9LNPVUMVY6WLYH[PVU/67,0UJ/67, WH[O^H`ZHUKWVW\SH[PVUV\[JVTLZ0U[OLJHWHJP[` ÔLYLZOLOHZZLY]LKMVY`LHYZ7YPVY[VQVPUPUN

45 /67,4HYÌLNHUOLYJHYLLYPUZ[YH[LNPJLJVUVTPJ SLHKPUN[OLKLZPNUPUJ\IH[PVUHUKSH\UJOVMWYVNYHTZ KL]LSVWTLU[HUKWV]LY[`HSSL]PH[PVU^P[O[OL3VZ HUKWHY[ULYZOPWZ[VIL[[LYZLY]LTLTILYZHUKWPSV[ (UNLSLZHMÄSPH[LVM/HIP[H[MVY/\THUP[`HUKNYL^[OL PUUV]H[PVUZMVY[OLÄLSK7YPVY[VQVPUPUN(,6;HTT` VYNHUPaH[PVUMYVTH HUU\HSI\KNL[[V ^HZHJVUZ\S[HU[H[4J2PUZL` *VTWHU`ÔLYLHZ million and constructed sixty-four homes in partnership WHY[VM[OLJVYWVYH[LÄUHUJLHUKZ[YH[LN`WYHJ[PJLZ ^P[OYLJPWPLU[OVTLVÛLYZHUKHNSVIHSUL[^VYR ZOLSLKJSPLU[HUKYLZLHYJOWYVQLJ[ZWYPTHYPS`MVJ\ZLK of volunteers. In her current role as President of the VUYLHJOPUNUL^THYRL[ZHUKZ[Y\J[\YPUNJVTWSL_ .SVIHS@V\[O,TWV^LYTLU[.YV\W4HY`PZYLZWVUZPISL partnerships. She has also held positions in the US MVYHSSNSVIHSHUKKVTLZ[PJ`V\[OLTWV^LYTLU[ /V\ZLVM9LWYLZLU[H[P]LZ;OL6]LYZLHZ+L]LSVWTLU[ PUP[PH[P]LZZ[YH[LNPJUH[PVUHSHUKNSVIHSWHY[ULYZOPWZ *V\UJPSHUK2YVSS(ZZVJPH[LZ;HTT`YLJLP]LKH4HZ[LYZ HUKHWVY[MVSPVJVUZPZ[PUNVM)HURPUNVU6\Y-\[\YL +LNYLLPU3H^HUK+PWSVTHJ`MYVT;OL-SL[JOLY:JOVVS Classroom and College Edition, HOPE Business in a Box H[;\M[ZOPSL3PUKÌLNHUOLYJHYLLYPU[OLJVU]LU[PVUHS <:*VHZ[.\HYKHUKOVSKZHKPZ[PUN\PZOLKOVUVYHISL JVTTLYJPHSYLHSLZ[H[LZLJ[VYZOLZ^P[JOLK[V discharge. community development activities in the late 90s. What ZOLLUQV`ZTVZ[HIV\[[OPZZLJ[VYHYL[OLJOHSSLUNLZ Charles Hammerman [OLJYLH[P]P[`HUK[OLJVSSHIVYH[P]LUH[\YLVM[OVZLÔV President and CEO have a common vision for our communities. Disability Opportunity Fund *OHYSLZ+/HTTLYTHUPZ[OL7YLZPKLU[HUK*,6VM;OL Tammy Halevy +PZHIPSP[`6WWVY[\UP[`-\UKHUH[PVUHS*LY[PÄLK*+-0 Senior Vice President, New Initiatives ZVSLS`KLKPJH[LK[VHK]HUJPUN[OLULLKZVMWLVWSL^P[O Association for Enterprise Opportunity KPZHIPSP[PLZ;OL+PZHIPSP[`6WWVY[\UP[`-\UKWYV]PKLZ ;HTT`/HSL]`QVPULK[OL(ZZVJPH[PVUMVY,U[LYWYPZL [LJOUPJHSHUKÄUHUJPHSZLY]PJLZ[VPUKP]PK\HSZHUK 6WWVY[\UP[`(,6PU(WYPSHZ:LUPVY=PJL VYNHUPaH[PVUZZLY]PUN[OLKPZHIPSP[`THYRL[[OYV\NOV\[ 7YLZPKLU[5L^0UP[PH[P]LZ>P[OV]LY`LHYZVM [OL

46 ÄUHUJPHSTHYRL[Z7YPVY[V[OLJYLH[PVUVM;OL+6- products and services in historically underserved Hammerman founded the Burton Blatt Institute at THYRL[Z/LYJHYLLYOHZPUJS\KLKTHQVYJVU[YPI\[PVUZVU :`YHJ\ZL

Ethan Handelman Marqueece Harris-Dawson Vice President for Policy and Advocacy Councilmember of Council District 8 National Housing Conference Los Angeles City Council Ethan directs NHC’s policy and advocacy agenda *V\UJPSTLTILY4HYX\LLJL/HYYPZ+H^ZVU^HZZ^VYU focused on advancing federal housing policy to assist PU[VVMÄJLVU1\S`(SVUN[PTLJVTT\UP[` SV^HUKTVKLYH[LPUJVTLWLVWSLZ[YLUN[OLUPUN VYNHUPaLYPU:V\[O3(4HYX\LLJLOHZKLLWYVV[ZPU[OL [OLUH[PVU»ZOV\ZPUNÄUHUJLZ`Z[LTYLZ[VYPUN community as he recently served as President and CEO ULPNOIVYOVVKZKHTHNLKI`MVYLJSVZ\YLZHUK of Community Coalition, one of the most progressive disinvestment, advocating for housing policy during UVUWYVÄ[ZPU[OLJP[`5L]LYMVYNL[[PUNOPZJHSSPUNOL [H_HUKI\KNL[HY`YLMVYTZHUKI\PSKPUNZ[YVUNLY YL[\YULK[V:V\[O3VZ(UNLSLZQ\Z[HM[LY4VYLOV\ZL communities that coordinate, housing, transportation, *VSSLNL[V^VYRPU[OLMHTPS`9LHS,Z[H[LI\ZPULZZ/LYL OLHS[OLK\JH[PVUHUKLULYN`WVSPJ`/LOHZ[LZ[PÄLK OLHJX\PYLKH^VYRPUNRUV^SLKNLVMULPNOIVYOVVKZ ILMVYL*VUNYLZZHUKZWLHRZHUK^YP[LZYLN\SHYS`VU HUK[OLJOHSSLUNLZWYLZLU[LKI`^PKLZWYLHKQVISLZZULZZ OV\ZPUNPZZ\LZ,[OHUQVPULK5/*PU4HYJO WV]LY[`WVVYW\ISPJZLY]PJLZHUKHKLJH`PUNOV\ZPUN after leading the advisory practice at Recap Real Z[VJR0U OLQVPULK*VTT\UP[`*VHSP[PVU\UKLY ,Z[H[L(K]PZVYZHZZPZ[PUNW\ISPJHUKWYP]H[LZLJ[VY [OLUMV\UKLYHUKJ\YYLU[*VUNYLZZ^VTHU2HYLU JSPLU[Z[V\UKLYZ[HUKHUKZOHWL[OLHMMVYKHISLOV\ZPUN )HZZ/PZÄYZ[JHTWHPNUW\ISPJPaLK[OLOVYYLUKV\Z ÄUHUJPHSHUKWVSPJ`LU]PYVUTLU[,[OHUYLJLP]LKOPZ JVUKP[PVUZVMPUULYJP[ÒPNOZJOVVSZHUK[OLPULX\P[PLZ MA in International Relations from Harvard University PU[OLKPZ[YPI\[PVUVMW\ISPJM\UKPUN0[YLZ\S[LKPUHU and holds a BA in Political Science from University \UWYLJLKLU[LK TPSSPVUMVYZJOVVSYLWHPYHUK VM4PJOPNHU/LZLY]LZVU[OLIVHYKVM/V\ZPUN modernization in South LA schools. Serving as the Maryland. OPZSLHKLYZOPWNYL^[OLVYNHUPaH[PVU»ZPUÅ\LUJLZPaL HUKÄUHUJPHSZ[HUKPUN>OPSLKV\ISPUN[OLI\KNL[ Angelisa Harris HUKZ[HMMOLHSZVSLKHJHWP[HSJHTWHPNU[VHJX\PYL Regional Manager *VTT\UP[`*VHSP[PVU»ZOLHKX\HY[LYZVU=LYTVU[ Federal Deposit Insurance Corporation (]LU\L4HYX\LLJLHUKOPZ^PML2HYYPLHYLWYV\K OVTLVÛLYZPU:V\[O3VZ(UNLSLZ;OL`Z[YVUNSÌLSPL]L Angelisa Harris is the Regional Manager for Community PU[OLJVTT\UP[`»ZWV^LY[VJYLH[LHIL[[LY[VTVYYV^ (MMHPYZ7YVNYHTPU[OL-LKLYHS+LWVZP[0UZ\YHUJL ÔLU^LW\SS[VNL[OLYHUK^VYROHYK *VYWVYH[PVU-+0**OPJHNV9LNPVUHS6MÄJL:OL^VYRZ ^P[OÄUHUJPHSPUZ[P[\[PVUZJVTT\UP[PLZUVUWYVÄ[Z consumers and other stakeholders throughout Illinois, Christopher Hayes Indiana, Kentucky, Michigan, Ohio and Wisconsin. General Counsel She leads a team dedicated to promoting initiatives Small Business Investor Alliance HUKJVSSHIVYH[PVUZ^P[OÄUHUJPHSPUZ[P[\[PVUZYLSH[LK[V *OYPZ[VWOLY/H`LZZLY]LZHZ.LULYHS*V\UZLSVM increasing access to capital, community reinvestment, [OL:THSS)\ZPULZZ0U]LZ[VY(SSPHUJL:)0(H[YHKL LJVUVTPJKL]LSVWTLU[ÄUHUJPHSLK\JH[PVUHMMVYKHISL association representing middle market funds and OV\ZPUNHZZL[I\PSKPUNHUKLJVUVTPJPUJS\ZPVU/LY PU]LZ[VYZIHZLKPU>HZOPUN[VU+*4Y/H`LZZLY]LZ ^VYR^P[OPU[OL-+0*OHZMVJ\ZLKVU^H`Z[VOLSW HZ[OLJOPLMSLNHSVMÄJLYVM[OLHZZVJPH[PVUHUKHZHSLNHS ÄUHUJPHSPUZ[P[\[PVUZHUKJVTT\UP[`VYNHUPaH[PVUZIYPUN and policy expert on issues impacting middle market \UIHURLKJVUZ\TLYZPU[V[OLÄUHUJPHSTHPUZ[YLHT WYP]H[LM\UKZPUJS\KPUNZTHSSI\ZPULZZPU]LZ[TLU[ WYVTV[LHZZL[I\PSKPUNHUKPUJYLHZLKHJJLZZ[VIHUR JVTWHUPLZ:)0*ZI\ZPULZZKL]LSVWTLU[JVTWHUPLZ

47 )+*ZHUK[YHKP[PVUHSWYP]H[LLX\P[`M\UKZ/LPZHSZV Timothy Herwig VULVM:)0(»ZWYPUJPWHSSPHPZVUZ^P[O*VUNYLZZHUK^P[O +PZ[YPJ[*VTT\UP[`(MMHPYZ6MÄJLY Executive Branch agencies, including the Small Business 6MÄJLVM[OL*VTW[YVSSLYVM[OL*\YYLUJ` Administration, Securities & Exchange Commission, ;PT/LY^PNPZH+PZ[YPJ[*VTT\UP[`(MMHPYZ6MÄJLYPU HUKMLKLYHSIHURPUNYLN\SH[VYZ7YL]PV\ZS`*OYPZZLY]LK [OL*LU[YHS+PZ[YPJ[VM[OL6MÄJLVM[OL*VTW[YVSSLY as a securities regulatory counsel at a national trade of the Currency, located in Chicago, Illinois. In this HZZVJPH[PVUYLWYLZLU[PUNIYVRLYKLHSLYZHUKPU]LZ[TLU[ capacity he provides community development outreach, HK]PZLYZ^VYRLKHZHÄUHUJPHSYLN\SH[VYH[[OL-PUHUJPHS [YHPUPUNHUKWHY[ULYZOPWKL]LSVWTLU[[VUH[PVUHSIHURZ 0UK\Z[Y`9LN\SH[VY`(\[OVYP[`-059(HUKWYHJ[PJLK and federal thrifts, training and technical support to JP]PSSP[PNH[PVUH[HSH^ÄYTPU3VZ(UNLSLZ+\YPUNSH^ examiners, and other outreach services to organizations ZJOVVS*OYPZ^VYRLKPU[OL,UMVYJLTLU[+P]PZPVUVM[OL YLWYLZLU[PUN[OLPU[LYLZ[ZVMSV^HUKTVKLYH[LPUJVTL SEC and also on staff of the Banking Committee in the PUKP]PK\HSZHUKJVTT\UP[PLZ;PTOHZMVJ\ZLKOPZ PZJVUZPU0SSPUVPZHUK0UKPHUH7YPVY[VQVPUPUN[OL Diego and his undergraduate degree from the University 6**;PT^HZ[OL*LU[YHS9LNPVU*VTT\UP[`(MMHPYZ of Massachusetts, Amherst. He is admitted to practice 3PHPZVU^P[O[OL6MÄJLVM;OYPM[:\WLY]PZPVU/LHSZV SH^PU*HSPMVYUPHHUK[OL+PZ[YPJ[VM*VS\TIPH ZLY]LK[LU`LHYZHZH=PJL7YLZPKLU[VM*VTT\UP[` (MMHPYZHUK*9(6MÄJLYMVY;*-5H[PVUHS)HURPU Jane Henderson *OPJHNV/LOHZZLY]LKVUH]HYPL[`VMIVHYKZPU President and CEO *OPJHNVPUJS\KPUN5LPNOIVYOVVK/V\ZPUN:LY]PJLZ Virginia Community Capital VM*OPJHNV[OL.YLH[LY:V\[O^LZ[+L]LSVWTLU[ 1HUL/LUKLYZVUPZ7YLZPKLU[HUK*,6VM=PYNPUPH *VYWVYH[PVUHUK[OL+VUVYZ-VY\T;PTOVSKZH)( *VTT\UP[`*HWP[HS=**HUKP[ZZ\IZPKPHY`JVTT\UP[` MYVT:[1VOU»ZBaltimore, Maryland. He is an advocate for MVY[OL IPSSPVUJVYWVYH[PVU4Z/LUKLYZVU art and design education and creative professionals in ^HZ*OHPYTHUVM[OL)VHYKMVY[OL*VTT\UP[` ZVJPHSLJVUVTPJHUKJ\S[\YHSHK]HUJLTLU[-VYTLYS` Development Bankers Association., the national trade OL^HZWYLZPKLU[VM6[PZ*VSSLNLVM(Y[HUK+LZPNUPU association of the Community Development Banking 3VZ(UNLSLZ^OLYLOLSH\UJOLK[OLHUU\HS6[PZ9LWVY[ sector, from 2013 through 2015. She is also a Board on the Creative Economy of the Los Angeles Region TLTILYVM[OL*LU[LYMVY9\YHS,U[YLWYLUL\YZOPW^OPJO and California. As dean of the Corcoran College of helps provide communities throughout the US and Art + Design in Washington, D.C., he created a visual *HUHKH^P[OHZZL[MVJ\ZLKJVTWYLOLUZP]LLJVUVTPJ arts program serving inner-city youth that received a development strategies, emphasizing entrepreneurship. 5H[PVUHS4\S[PJ\S[\YHS0UZ[P[\[L(^HYKHUKH*VTPUN

48 Alexis Iwanisziw ity Building, Commercial Development, Construction Deputy Director 4L[OVKVSVN`7YVQLJ[4HUHNLTLU[HUK9LHS,Z[H[L(W- New Economy Project praisal. Chet has a Master’s in Business Administration (SL_PZV]LYZLLZ5L^,JVUVT`7YVQLJ[»ZYLZLHYJO ^P[OHJVUJLU[YH[PVUPU0UUV]H[PVUHUK,U[YLWYLUL\YZOPW and shareholder activism. She is co-author of several MYVT/LUY`>)SVJR:JOVVSVM7\ISPJ(KTPUPZ[YH[PVU YLWVY[ZPUJS\KPUN[OL¸7H`PUN4VYLMVY[OL(TLYPJHU HUK)\ZPULZZH[[OLVYRPU HUKWYL]PV\ZS`^VYRLKPU[OL <:+(9\YHS+L]LSVWTLU[.YHK\H[LKMYVT,SVU 9LZLHYJOHUK:[H[PZ[PJZ.YV\WH[[OL-LKLYHS9LZLY]L

Chet Jackson Ron Jauregui Executive Director Community Affairs Specialist West Humboldt Park Family & Community Federal Deposit Insurance Corporation Development Council 9VU1H\YLN\PJ\YYLU[S`ZLY]LZ*VTT\UP[`(MMHPYZ 4Y1HJRZVUPZHKLKPJH[LKJVTT\UP[`KL]LSVWTLU[ Specialist in the Outreach and Program Development WYVMLZZPVUHS^P[OHWHZZPVUMVYZLY]PUN[OLULLKZVMSV^ Section in Washington. Ron has a diverse range of HUKTVKLYH[LPUJVTLJVTT\UP[PLZ/H]PUN^VYRLKPU experience in outreach and community development. [OLJVTT\UP[`KL]LSVWTLU[ÄLSKMVYV]LY[OPY[``LHYZ /LOHZH\[OVYLKYLZLHYJOVUOVTLVÛLYZOPWZ[YH[LNPLZ Chet continues to develop himself through innovative for the underserved, managed the development of HUKJVSSHIVYH[P]LWYVQLJ[Z[OH[OH]LWVZP[P]LPTWHJ[VU housing-related educational resources, and facilitated underserved communities. As a community develop- HWYVQLJ[MVYH[[VYUL`Z[VWYV]PKLWYVIVUVHZZPZ[HUJL ment professional he has served in variety of roles rang- [VOVTLVÛLYZH[YPZRVMMVYLJSVZ\YL9VUOHZZLY]LK ing from Organizational Consultant to Executive Direc- as Director of the Congressional Hispanic Caucus [VY^P[OL_WLY[PZLPUVYNHUPaH[PVUHSHUKWYVNYHTTH[PJ 0UZ[P[\[L»Z/6.(9OVTLVÛLYZOPWPUP[PH[P]L:LUPVY KL]LSVWTLU[IVHYKKL]LSVWTLU[HMMVYKHISLOV\ZPUN =PJL7YLZPKLU[MVY*VTT\UP[`(SSPHUJLZ^P[O[OL HUKJVTTLYJPHSYL[HPSKL]LSVWTLU[Z[YH[LNPJI\ZPULZZ Hispanic National Mortgage Association, Community WSHUUPUNOH]PUN^VYRLK^P[OUVUWYVÄ[VYNHUPaH[PVUZ )\PSKLY-LSSV^^P[O[OL:HU[H(UH*HSPMVYUPH/<+ÄLSK HZ^LSSHZÄUHUJPHSPUZ[P[\[PVUZ*OL[OHZ^VYRLKVUHM- VMÄJL7HY[ULYZOPW+L]LSVWLY^P[O[OL-HPYMH_*V\U[` MVYKHISLOV\ZPUNHUKJVTT\UP[ÌHZLKYL[HPSWYVQLJ[Z =(NV]LYUTLU[HUKHTVY[NHNLSLUKLY^P[O)HURVM JVUK\J[LKULPNOIVYOVVKHZZLZZTLU[ZHUKKL]LSVWLK (TLYPJH9VUHSZVZLY]LKHZHTLTILYVM.V]LYUVY revitalization strategies for under invested communities. 2HPUL»Z-VYLJSVZ\YL7YL]LU[PVU;HZR-VYJLHUKVU[OL /LOHZZLY]LKVUKP]LYZLJVTT\UP[ÌVHYKZYHUNPUN =PYNPUPH/V\ZPUN+L]LSVWTLU[(\[OVYP[`»Z:PUNSL-HTPS` MYVT1\UPVY(JOPL]LTLU[VM(TLYPJH[V5VY[O)YHUJO /V\ZPUN(K]PZVY`)VHYK/LOVSKZH1+KLNYLLMYVT Works a local economic and employment organization the University of California at Los Angeles, a BA from PU[OL*OPJHNVHYLH*OL[OVSKZJLY[PÄJH[LZPU9LHS,Z- *SHYLTVU[4J2LUUH*VSSLNLHUK^HZHNYHK\H[LMLSSV^ [H[L+L]LSVWTLU[HUK-PUHUJL6YNHUPaH[PVUHS*HWHJ- H[[OL

49 Carl Jenkins THUHNLYMVY[OL,7()YVÛÄLSKZ.YHU[7YVNYHTZ Managing Director MVY[OLWHZ[[^LS]L`LHYZ/LPZHIVHYKTLTILYVM BMO Harris Bank N.A. 5LPNOIVYOVVK3LUKPUN7HY[ULYZ0UJHZ[H[L^PKL *HYS(1LURPUZPZ4HUHNPUN+PYLJ[VYHUK.YV\W/LHK *VTT\UP[`+L]LSVWTLU[-PUHUJPHS0UZ[P[\[PVU*+-0 of Community Investments for BMO Harris Bank HUKHWHZ[IVHYKTLTILYVM[OL-SVYPKH)YVÛÄLSKZ 5([OL<:IHURPUNZ\IZPKPHY`VM)46-PUHUJPHS Association. .YV\W/LV]LYZLLZ*VTT\UP[`9LPU]LZ[TLU[(J[ PU]LZ[TLU[Z[HYNL[PUNSV^LYTPKKSLTHYRL[JVTWHUPLZ Lisa Jones HUKJVTT\UP[ÌHZLKYLHSLZ[H[LKL]LSVWTLU[PUHSS Manager, Bond Guarantee Program BMO Harris markets. Presently, Carl manages a team CDFI Fund HUKPU]LZ[TLU[WVY[MVSPV^P[OJVTTP[TLU[ZL_JLLKPUN 3PZH41VULZPZ[OL4HUHNLYVM[OL)VUK.\HYHU[LL TPSSPVUHUKJV]LYPUN[OLZ[H[LZVM(YPaVUH-SVYPKH 7YVNYHTH[[OL*VTT\UP[`+L]LSVWTLU[-PUHUJPHS Illinois, Indiana, Minnesota, Missouri, Washington 0UZ[P[\[PVUZ*+-0-\UK0U[OPZJHWHJP[`ZOLPZ and Wisconsin. Prior to his current position, he served YLZWVUZPISLMVY[OLV]LYZPNO[THUHNLTLU[HUK as a commercial real estate lender for BMO Capital PTWSLTLU[H[PVUVMN\HYHU[LLZMVYIVUKZPZZ\LKI` Markets and the BMO Harris Community Development 8\HSPÄLK0ZZ\LYZ)VUKZN\HYHU[LLK[OYV\NO[OL 3LUKPUN[LHT7YPVY[VQVPUPUN[OLIHUR*HYS^VYRLK WYVNYHTZ\WWVY[JVTT\UP[`KL]LSVWTLU[SLUKPUNI` MVY[OL3VJHS0UP[PH[P]LZ:\WWVY[*VYWVYH[PVU30:*H WYV]PKPUNHZV\YJLVMSVUN[LYTKLI[[VJLY[PÄLK*+-0Z UH[PVUHSJVTT\UP[`KL]LSVWTLU[ÄUHUJPHSPUZ[P[\[PVU 7YPVY[VQVPUPUN[OL*+-0-\UK4Z1VULZ»ZWYVMLZZPVUHS /LLHYULKOPZIHJOLSVY»ZKLNYLLPUHYJOP[LJ[\YLMYVT experiences comprised pension fund management, Washington University in St. Louis and holds an MBA ZTHSSI\ZPULZZHUK]LU[\YLJHWP[HSPUP[PH[P]LZ MYVT[OL2LUHU-SHNSLY:JOVVSVM)\ZPULZZH[[OL JVTT\UP[`HUKLJVUVTPJKL]LSVWTLU[NSVIHS HZOPUN[VU+*:OL^HZHTLTILYVM[OL>VTLU Manager, East Tampa CRA (UNLSZUL[[OLÄYZ[Z[Y\J[\YLK^VTLU»Z¸HUNLS¹]LU[\YL City of Tampa, Florida JHWP[HSPU]LZ[TLU[JS\IPU[OL<:KLZPNULK[VPU]LZ[PU ,K^HYK(1VOUZVUILNHUOPZÄM[``LHYW\ISPJWYP]H[L LTLYNPUNNYV^[OJVTWHUPLZPU[OL4PK([SHU[PJYLNPVU JHYLLYPU I`QVPUPUN[OL<:(PY-VYJL/PZ [^LU[``LHY(PY-VYJLJHYLLYPUJS\KLK[V\YZVMK\[`PU Maria Joyce Maynard ;L_HZ4PZZPZZPWWP0ZSHUKVM.\HT5L^@VYR-SVYPKH Senior Vice President /H^HPPHUK;OHPSHUKWYPVY[VOPZYL[PYLTLU[HZH Community Development Banking Group, Master Sergeant in 1983. His military career included Bank of America U\TLYV\ZH^HYKZHUKTLKHSZMVYTLYP[VYPV\ZZLY]PJL 4HYPH1V`JLQVPULK)HURVM(TLYPJHPU ÔLYLZOL ÔPJOPUJS\KL[OL=PL[5HT*HTWHPNU-VSSV^PUNOPZ PZYLZWVUZPISLMVYTHUHNPUN[OL)HUR»ZYLSH[PVUZOPWZ^P[O YL[PYLTLU[4Y1VOUZVUILNHUH[[LUKPUNL]LUPUNJSHZZLZ :V\[OLYU*HSPMVYUPHHMMVYKHISLOV\ZPUNKL]LSVWLYZHUK H[[OLLZ[*VHZ[9LNPVUHS Consortium. Maria has an MBA from the Anderson Manager for Community and Business Development. School at UCLA and a BA in Economics from the 4Y1VOUZVUOHZILLULTWSV`LKHZ[OL*P[`VM;HTWH University of Notre Dame. 4HUHNLYMVY,HZ[;HTWH+L]LSVWTLU[HUKJVVYKPUH[PUN

50 Douglas Jutte HWWYVHJOLZ[VZVS]PUNKPMÄJ\S[ZVJPHSWYVISLTZ7YPVY Executive Director [VQVPUPUN[OL1 *V\U[`1LYLT`WYHJ[PJLKJVYWVYH[L[YHUZHJ[PVUHSSH^PU -V\UKH[PVU»Z/LHS[O`*VTT\UP[PLZ0UP[PH[P]L^OPJO 5L^@VYR3VUKVUHUK3VZ(UNLSLZ^P[O[OLSH^ÄYTZ OHZJVU]LULKV]LY[^VKVaLUJVUMLYLUJLZHJYVZZ[OL VM*SLHY`.V[[SPLIHUK3H[OHT >H[RPUZMYVT[V JV\U[Y`IYPUNPUN[VNL[OLYSLHKLYZMYVT[OLZLZLJ[VYZ 1LYLT`YLJLP]LKOPZ1+MYVT5L^@VYRLHS[O4HUHNLTLU[ PUNVM[OLULLKZVMOPZJVTT\UP[`[VOPZ^VYR^P[O;9- OLHKX\HY[LYLKPU*OPJHNV0SSPUVPZ(Z[OL)HUR»Z 0U)<03+HUK;9-JYLH[LK;9-+L]LSVWTLU[7HY[- Director of Community Development and Investments, ULYZ;9-+7[VPTWSLTLU[HUHTIP[PV\ZWSHU[VYL]P[HS- she oversees community development activities in ize the Oliver community. Pastor Keene is a founding 18 states and a community development investment TLTILYVM;9-+7 WVY[MVSPVVMJSVZL[V TPSSPVU

51 currently sits on the Board of Directors of the Leadership of local governments to develop and execute economic *PYJSLVM[OL,_LJ\[P]LZ*S\IVM*OPJHNVHUKOHZILLU KL]LSVWTLU[WSHUZ0UOLYWYPVYYVSLH[[OL*+-0 HUHJ[P]LTLTILYZPUJLWHY[PJPWH[PUNPU]HYPV\Z -\UKZOLZLY]LKHZTHUHNLYVM[OL6MÄJLVM;YHPUPUN SLHKLYZOPWKL]LSVWTLU[WYVNYHTZHUK[OL*S\I»Z HUK6\[YLHJO:OL^HZYLZWVUZPISLMVYV]LYZPNO[VM individual and group Mentorship Programs since their national outreach and training initiatives for Community inception. He also serves as a Lead Instructor for the +L]LSVWTLU[-PUHUJPHS0UZ[P[\[PVUZ*+-0Z*VTT\UP[` -LKLYHS9LZLY]L»Z-HPY3LUKPUN,_HTPUH[PVU;LJOUPX\LZ +L]LSVWTLU[,U[P[PLZ*+,ZHUKPUJYLHZPUNH^HYLULZZ :JOVVSHYVSLOLSKI`ML^V[OLYZHJYVZZ[OL:`Z[LT VM*+-0-\UKWYVNYHTZ^P[OW\ISPJHUKWYP]H[LZLJ[VY Mr. Keller holds a Sociology Degree from Illinois State Z[HRLOVSKLYZ7YPVY[VQVPUPUN[OL-\UKPU ;YPJPH VYRPUN.YV\WHUKWYV]PKLZ Income and Wealth Building unit, Seung Kim helps policy interpretations and guidance to examiners 30:*VMÄJLZ[OYV\NOV\[[OLJV\U[Y`KLZPNUHUKLZ[HISPZO and the industry. Ms. Kennedy serves as the HMDA -PUHUJPHS6WWVY[\UP[`*LU[LYZ:OLHSZVSLHKZOLY[LHT Z\IQLJ[TH[[LYL_WLY[HUKYLWYLZLU[Z[OLHNLUJ`VU to implement and test innovative initiatives such as [OL0U[LYHNLUJ`/4+(:\IJVTTP[[LL:OLPZHSZVH )YPKNLZ[V*HYLLY6WWVY[\UP[PLZ^P[OHZ[YVUNMVJ\ZVU TLTILYVM[OL+LWVZP[Z7VSPJ`;LHTWYV]PKPUNWVSPJ` V\[JVTLZTLHZ\YLTLU[7YPVY[VQVPUPUN[OLUH[PVUHS interpretations and guidance to examiners and the 30:*Z[HMMPUZOL^VYRLKHZHJVUZ\S[HU[^P[O industry on deposit related regulations. In 2014, Ms. 30:**OPJHNVVUP[Z*LU[LYZMVY>VYRPUN-HTPSPLZ 2LUULK`^HZHWWVPU[LK-\UJ[PVUHS,_HTPULYPU*OHYNL ZOL^HZH*>-ÄUHUJPHSJVHJOVU[OL5LHY>LZ[ for Compliance at Santander Bank, NA, managing BSA, :PKLLHYSPLYPUHUK^P[O[OLUH[PVUHSVMÄJLVU CRA and Compliance Examinations and monitoring on- -PUHUJPHS6WWVY[\UP[`*LU[LYZ,HYSPLY2PT^HZH=PJL NVPUNHJ[P]P[PLZH[[OLIHUR:OLQVPULK[OL6**HM[LY WYLZPKLU[Ä_LKPUJVTLHUHS`[PJZMVY(5)-PUHUJPHS `LHYZ^P[O[OL6MÄJLVM;OYPM[:\WLY]PZPVUHZH-LKLYHS .YV\WPU*OPJHNVHUK^HZHU(ZZVJPH[L[YHKPUNHUK *VTWSPHUJL9LN\SH[VYHUK:LUPVY*VTWSPHUJL7YVQLJ[ HUHS`[PJZMVY7LYMVYTHUJL;Y\Z[*VTWHUPLZ:OLOHZ 4HUHNLY)LMVYLQVPUPUN6;:ZOL^VYRLKMVY4LYYPSS HIHJOLSVY»ZKLNYLLPULJVUVTPJZMYVT5VY[O^LZ[LYU Lynch & Co. Ms. Kennedy holds a BA in Economics and PSSPZZLY]LZHZ:LUPVY(K]PZVY[V[OL ^OPJOZWHUZMYVT4HPUL[V:V\[O*HYVSPUH0U[OPZ Director overseeing management of intergovernmental JHWHJP[`ZOLZ\WWVY[ZUH[PVUHSIHURZHUK[OYPM[Z6** relationships to include city, state and federal, as examiners and community organizations on Community ^LSSHZ[OLWYP]H[LHUKWOPSHU[OYVWPJZLJ[VYZ:OLPZ 9LPU]LZ[TLU[(J[*9(HUKJVTT\UP[`KL]LSVWTLU[ HSZVYLZWVUZPISLMVYZ[YH[LNPJPUP[PH[P]LZHUKW\ISPJ ÄUHUJLHUKPU]LZ[TLU[PZZ\LZ:OLOHZYLZWVUZPIPSP[` LUNHNLTLU[Z[OH[PTWHJ[[OL*+-0JVTT\UP[`7YPVY[V MVYSHYNLTPKZPaLHUKJVTT\UP[`IHURZ[OYV\NOV\[ OLYYL[\YU[V[OL*+-0-\UK4Z2LYUL`>PSSPZZLY]LK the district and provides consultative services and as Deputy Director for the White House Council on [YHPUPUN[VUH[PVUHSIHURZHUK[OYPM[Z:OLHZZPZ[Z :[YVUN*P[PLZ:[YVUN*VTT\UP[PLZ:*¶HMLKLYHS ÄUHUJPHSPUZ[P[\[PVUZI`PKLU[PM`PUNVWWVY[\UP[PLZHUK interagency pilot initiative designed to strengthen and YLZV\YJLZ[VZ\WWVY[JVTT\UP[`KL]LSVWTLU[ÄUHUJL LUOHUJLJP[PLZHUKYLNPVUZI`LUOHUJPUN[OLJHWHJP[` and creating effective strategies for forming partnerships

52 ^P[OJVTT\UP[`KL]LSVWTLU[VYNHUPaH[PVUZHUK WVSPJPLZMVY3(4H`VY(U[VUPV=PSSHYHPNVZH;OL*VYV governmental agencies. Ms. Kirk-Murray routinely -V\UKH[PVUHSZVUHTLKOPTH7\ISPJ(MMHPYZ3LHKLYZOPW conducts training on CRA and community development MLSSV^[OYV\NO^OPJOOL^VYRLKVUWYVQLJ[ZMVY[OL and is often a speaker on community and economic +(:,0<3(»ZSVJHS579HMÄSPH[LHUK3(United States District Court for the Northern District of Illinois. He is Chris Ko serves as the Director of Systems and HTLTILYVM[OL*OPJHNV)HY(ZZVJPH[PVUHUKPZWHZ[ 0UUV]H[PVUZMVY[OLH`VM.YLH[LY3VZ(UNLSLZ Chairman of the Chicago Bar Association’s Consumer 0U[OPZYVSLOLL_LJ\[LZ[OLJVSSLJ[P]LPTWHJ[^VYRVM Credit Practice Committee. He currently serves on /VTL-VY.VVK3(»ZJV\U[`^PKLWSHU[VLUKJOYVUPJ [OL(TLYPJHU)HY(ZZVJPH[PVU»Z-VY\T*VTTP[[LLVU and veteran homelessness. Most recently, he managed (MMVYKHISL/V\ZPUN the development of the Coordinated Entry System - an effort to stitch together all existing adult homeless WYVNYHTZPU[VHZLHTSLZZUV^YVUNKVVYZ`Z[LT[OH[ Mary Lee ^LU[VU[VILJVTLHTVKLSMVYV[OLYTHQVYJP[PLZ Deputy Director (WHY[MYVTOV\ZPUNOLOHZLUQV`LKZLLPUNKPMMLYLU[ PolicyLink HWWYVHJOLZ[VZVJPHSPTWHJ[PUZLY]PUNHZHUVMÄJLY Mary Lee, Deputy Director, helps guide the PolicyLink at an after-school mentoring and tutoring program in *LU[LYMVY/LHS[O,X\P[`HUK7SHJLHUKWYV]PKLZ >LZ[7OPSHKLSWOPHTHUHNPUN0;H[H3PILYPHU9LM\NLL [LJOUPJHSHZZPZ[HUJLHUK[YHPUPUN[VW\ISPJHUKWYP]H[L Camp Self-Help Initiative, and serving as an economic HNLUJPLZJVSSHIVYH[PUN[VI\PSKOLHS[O`JVTT\UP[PLZ KL]LSVWTLU[HPKLIHURPUNHUKPTWHJ[PU]LZ[TLU[ (NYHK\H[LVM)VHS[/HSS:JOVVSVM3H^

53 *HSPMVYUPH)LYRLSL`4HY`PZHWYHJ[PJPUNH[[VYUL`^P[O Andrea Levere more than 25 years of experience using civil rights, land President use, and economic development strategies to revitalize CFED ULPNOIVYOVVKZHUKLUOHUJLW\ISPJWHY[PJPWH[PVUPU[OL Andrea Levere is the President of the Corporation for policy arena. At PolicyLink she has co-authored reports ,U[LYWYPZL+L]LSVWTLU[*-,+ÔLYLZOLOHZ^VYRLK VUHJJLZZ[VOLHS[O`MVVK[OLI\PS[LU]PYVUTLU[HUK MVYV]LY[^VKLJHKLZI\PSKPUNHTV]LTLU[[VWYVWLS the impact of place and race on health. She also teaches SV^PUJVTLJVTT\UP[PLZV\[VMWV]LY[ÌÌ\PSKPUN JV\YZLZVUSH^W\ISPJWVSPJ`HUKJP]PSYPNO[Z4HY` ÄUHUJPHSJHWHIPSP[`HUKHZZL[Z:OLILNHUOLYJHYLLYPU Z[H`Z[Y\L[VOLYTV[[V¸[OPURNSVIHSS`HJ[SVJHSS`¹I` LJVUVTPJKL]LSVWTLU[ÄUHUJLHM[LYNL[[PUNHU4)( remaining active in local politics in Los Angeles. H[[OL@HSL:JOVVSVM4HUHNLTLU[HUKOHZJVTIPULK [OLZLZRPSSZHSVUN^P[OHJVTTP[TLU[[VWVSPJ` Vivienne Lee change and community practice, to expand economic Director, Strategic Partnerships opportunity for all Americans. REDF =P]PLUUL3LLIYPUNZKLLWL_WLY[PZL[VOLYYVSLHZ Claudia Lima +PYLJ[VYVM9,+-»Z:[YH[LNPJ7HY[ULYZOPWZSLHKPUN Vice President, Project Finance 9,+-»ZÄLSKI\PSKPUNL_WHUZPVUZ[YH[LNÌÌ\PSKPUN 7HJPÄJ*OHY[LY:JOVVS+L]LSVWTLU[ partnerships, and creating pilot programs that can serve *SH\KPH3PTHPZ[OL=7VM7YVQLJ[-PUHUJLMVY7HJPÄJ HZTVKLSZHZ9,+-ZJHSLZYLNPVUHSZVJPHSLU[LYWYPZL *OHY[LY:JOVVS+L]LSVWTLU[7*:+HUH[PVUHS ecosystems nationally. Working at the intersection of JVTT\UP[`MHJPSP[PLZKL]LSVWLYÔLYLZOLSLHKZLMMVY[Z ZVJPHSPTWHJ[HUKI\ZPULZZ]HS\L=P]PLUULILSPL]LZ [VZLJ\YLWYVQLJ[ÄUHUJPUNHZ^LSSHZPKLU[PMÙL^ 9,+-JHUZLY]LHZHUPU[LYTLKPHY`[VKL]LSVW[OLJYP[PJHS ÄUHUJPUNZ[Y\J[\YLZ7YPVY[V7*:+4Z3PTH^HZ[OL JVUULJ[PVUZYLX\PYLK[VI\PSKI\ZPULZZLZ[OH[JYLH[LQVIZ ,_LJ\[P]L+PYLJ[VYVM3VZ(UNLSLZ30:*3(30:*ÔLYL 7YPVY[VQVPUPUN9,+-=P]PLUULSLK*P[PIHUR»ZJVTT\UP[` ZOL^HZYLZWVUZPISLMVYV]LYZLLPUN[OLSLUKPUNHUK development efforts. She earned a Master’s Degree NYHU[THRPUNHJ[P]P[PLZJYLH[PVUVMJHWHJP[Ì\PSKPUN PU*P[`7SHUUPUNMYVT40;HUKH[[LUKLK6JJPKLU[HS PUP[PH[P]LZHZ^LSSHZM\UKYHPZPUNMVYVWLYH[PVUZHUK *VSSLNL0UHKKP[PVU=P]PLUULZLY]LZVU[OL)VHYKVM programs. Under her leadership LA LISC created a +PYLJ[VYZVM[OL3P[[SL;VR`V:LY]PJL*LU[LY*VTT\UP[` TPSSPVU;YHUZP[6YPLU[LK+L]LSVWTLU[M\UKHUKH +L]LSVWTLU[*VYWVYH[PVU:RPK9V^/V\ZPUN;Y\Z[ TPSSPVUYL]VS]PUN^VYRPUNJHWP[HSM\UKMVYJOHY[LY 6WWVY[\UP[`-\UK»Z9LNPVUHS)VHYKVYRZ<:(,U[LYWYPZL*VTT\UP[`7HY[ULYZ Mark Lopez )HURVM(TLYPJHHUK[OL5H[PVUHS;Y\Z[3VHU-\UK[OL Executive Director 5H[PVUHS;Y\Z[MVY/PZ[VYPJ7YLZLY]H[PVU East Yard Communities For Environmental Justic 4HYR3VWLaJVTLZMYVTHMHTPS`^P[OHSVUNOPZ[VY` VMHJ[P]PZT/L^HZYHPZLKPU[OL4HKYLZKLS,Z[LKL 3VZ(UNLSLZ:HU[H0ZHILS4V[OLYZVM,HZ[3(:HU[H 0ZHILS¶4,3(:0HUVYNHUPaH[PVUJVMV\UKLKIÒPZ

54 NYHUKWHYLU[Z1\HUH)LH[YPa.\[PLYYLaHUK9PJHYKV HUKUVUWYVÄ[SLHKLYZOPW;LYYPQVPULK,U[LYWYPZLPU .\[PLYYLa;OPZZL[OPZ[YHQLJ[VY`HZHJVTT\UP[` HZL_LJ\[P]L]PJLWYLZPKLU[HUKJOPLMVWLYH[PUNVMÄJLY HJ[P]PZ[/LOHZLUNHNLKPUH^PKLHYYH`VMZ[\KLU[ :OLILNHUOLY[LU\YLHZWYLZPKLU[HUK*,6PU1HU\HY` HJ[P]PZTH[<*:HU[H*Y\aÔLYLOLLHYULKOPZ -YVT[V ;LYYPZLY]LKHZWYLZPKLU[VM B.A. in Environmental Studies, and taught university the Merrill Lynch Community Development Company, courses at UC Santa Cruz, Cal State Northridge, and ÔLYLZOLSLK[OLIHUR»ZJVTT\UP[`KL]LSVWTLU[ <*3(,_[LUZPVU/LZWLU[`LHYZVYNHUPaPUN^P[O LMMVY[ZJVTTP[[LKTVYL[OHU IPSSPVUPUSVHUZHUK *VTT\UP[PLZMVYH)L[[LY,U]PYVUTLU[*),PU:V\[O investments, launched a successful social investment ,HZ[3(ÔLYLOL^HZ[OL@V\[O7YVNYHT*VVYKPUH[VY platform for Merrill Lynch’s private clients and served Mark earned his M.A. from the Chicano Studies as a senior advisor on diversity issues. Prior to Merrill Department at Cal State Northridge. After serving as 3ÙJO;LYYP^HZ[OLWYLZPKLU[HUK*,6VM(**065 Lead Organizer for East Yard Communities and Co- 5L^@VYR;LYYPOVSKZHIHJOLSVY»ZKLNYLLMYVT[OL +PYLJ[VY^P[O,@*,1*V-V\UKLY(UNLSV3VNHU4HYR

Pauline Louie Peter Lynn Urban Waters Los Angeles River Watershed Executive Director Ambassador Los Angeles Homeless Services Authority U.S. Environmental Protection Agency Peter Lynn is the executive director of the Los Angeles 7H\SPUL3V\PLPZ[OLH[LYZ3VZ(UNLSLZ9P]LY /VTLSLZZ:LY]PJLZ(\[OVYP[`3(/:(7YL]PV\ZS`4Y >H[LYZOLK(TIHZZHKVYMVJ\ZPUNH[[LU[PVUVU\YIHU 3ÙU^HZ[OL+PYLJ[VYVM:LJ[PVU MVY[OL/V\ZPUN ^H[LY^H`YL]P[HSPaH[PVUHUKYLZ[VYH[PVUWYVQLJ[Z[OYV\NO (\[OVYP[`VM[OL*P[`VM3VZ(UNLSLZ/(*3(7YPVY [OLH[LYZ-LKLYHS7HY[ULYZOPW;OL*V\UJPSMVY [VQVPUPUN/(*3(PUOLYHU[OL:LJ[PVU >H[LYZOLK/LHS[OPZOVZ[PUN7H\SPULÔVPZVUSVHU[V WYVNYHTMVY[OL5L^@VYR*P[`+LWHY[TLU[VM/V\ZPUN [OL<:,7(MYVT/<+/LYIHJRNYV\UKPZPUOV\ZPUN 7YLZLY]H[PVUHUK+L]LSVWTLU[/LPZHTLTILYVM YLKL]LSVWTLU[TPSP[HYÌHZLJSVZ\YLHUKW\ISPJ 4H`VY.HYJL[[P»Z/VTLSLZZ*HIPUL[[OL/VTL-VY.VVK contracts and grant administration. Pauline has a BA 3LHKLYZOPW;LHT[OL3VZ(UNLSLZ*V\U[`4LU[HS/LHS[O PU7VSP[PJHS:JPLUJLH)(PU.LVNYHWO`,U]PYVUTLU[HS :LY]PJLZ(J[4/:(/V\ZPUN(K]PZVY`)VHYK[OL :[\KPLZHUKOLY4(PUP[O(0+:/67>( <*3(:OLHSZVZ[\KPLK*VTT\UP[`)\PSKPUNH[[OL1VOU Advisory Committee and the National Alliance to -2LUULK`:JOVVSVM.V]LYUTLU[H[/HY]HYKH[LYZ3VZ(UNLSLZ9P]LYKYH^ZV]LYUVU VMPU[LYHNLUJ`JVVWLYH[PVUOL^VYRZ[VZ[YLUN[OLU WYVÄ[HUKSVJHSNV]LYUTLU[Z[HRLOVSKLYZ[VNL[OLY [OLJVSSHIVYH[PVUIL[^LLUQ\YPZKPJ[PVUZKLWHY[TLU[Z ^P[OMLKLYHSHNLUJPLZ[VJVVYKPUH[LHUKMHJPSP[H[L agencies and organizations assisting the homeless HU\TILYVMWYVQLJ[ZZLLRPUN[VYLNLULYH[LLJVZ`Z[LT throughout the Los Angeles Continuum of Care. M\UJ[PVUÔPSLWYVTV[PUNZ\Z[HPUHISLYLJYLH[PVUHSHUK 4Y3ÙUOHZILLUYLJVNUPaLK^P[OHU6\[Z[HUKPUN LJVUVTPJILULÄ[Z[OYV\NOHYLPTHNPULK9P]LY 3LHKLYZOPW(^HYKMYVT[OL*V\U[`+LWHY[TLU[ VM4LU[HS/LHS[OMVYOPZ^VYR[VOV\ZLOVTLSLZZ Terri Ludwig PUKP]PK\HSZ^P[OTLU[HSPSSULZZHUK^P[OH` President and CEO /VTL-VY.VVK;YHPSISHaLYVM[OL@LHY(^HYK/LOVSKZ Enterprise Community Partners, Inc. HU4)(MYVT5L^@VYRP[O YLJLU[S`ZOLZLY]LKHZ4H`VY)SVVTILYN»Z+LW\[` V]LY[^VKLJHKLZVML_WLYPLUJLPUPU]LZ[TLU[IHURPUN Commissioner at the NYC Department of Consumer

55 (MMHPYZ^OLYLZOLZ[HY[LKHUKSLK5L^@VYR*P[`»Z6MÄJL Mercedes Márquez VM-PUHUJPHS,TWV^LYTLU[6-,6-,^HZ[OLÄYZ[ President SVJHSNV]LYUTLU[PUP[PH[P]LPU[OLUH[PVU^P[OHTPZZPVU Márquez Community Strategy HPTLKL_WYLZZS`H[OLSWPUN[VLK\JH[LLTWV^LYHUK 4LYJLKLZ4mYX\LaPZHUL_WLYPLUJLKWYHJ[P[PVULY WYV[LJ[SV^PUJVTLYLZPKLU[Z[VOLSW[OLTTHRL[OL Z[YH[LNPZ[HUKPUUV]H[VY^P[OTVYL[OHU`LHYZVM TVZ[VM[OLPYÄUHUJPHSYLZV\YJLZ:OL^HZJVMV\UKLY SLHKLYZOPWHUKW\ISPJZLY]PJLPUOV\ZPUNHUKLJVUVTPJ VM*P[PLZMVY-PUHUJPHS,TWV^LYTLU[*VHSP[PVUHUK development, community advocacy, city management, -\UKHUKOHZ^VYRLK[VPU[LNYH[LÄUHUJPHSJHWHIPSP[` HUKL_LJ\[P]LJVHJOPUN:OLPZHKLW[H[IV[OJYHM[PUNH programming into municipal service delivery systems. vision and executing it to create effective social change, 7YPVY[VQVPUPUN[OL+LWHY[TLU[4Z4HOVU^VYRLKHZ and has served from multiple perspectives throughout a private consultant, launched and directed the Asset [OLZLZLJ[VYZ¶PUSVJHSNV]LYUTLU[HZH+LW\[`4H`VY -\UKLYZ5L[^VYRHUKZLY]LKHZHSLHKYLZLHYJOLYMVY in Los Angeles and federal government as an Assistant the Aspen Institute Economic Opportunities Program. Secretary at HUD, as a civil rights advocate, and in :OLWYL]PV\ZS`ZLY]LKHZH7YVNYHT6MÄJLYHUK[OLU real estate development. At times, she has overseen Director of Policy and Program Development at the TVYL[OHU LTWSV`LLZHUKTHUHNLKTVYL[OHU 5H[PVUHS-LKLYH[PVUVM*VTT\UP[`+L]LSVWTLU[ IPSSPVUPUM\UKZ *YLKP[LZ[LYU9LNPVU(K]PZVY` NYV^PUN/PZWHUPJHUK>4),THYRL[Z4VUPRHOHZ Committee, and the Southern California Leadership ^VUU\TLYV\ZH^HYKZMVYOLY^VYRI\PSKPUNÄUHUJPHS Council for Enterprise Community Partners. A native capacity in minority communities. In multiple years (UNLSPUV+LHUNYL^\WPU[OL=LUPJL*\S]LY*P[` Latino Leaders Magazine has recognized her as one of ULPNOIVYOVVK/LYLJLP]LKOPZ)(MYVT[OL

56 `LHYZ/LPZOLHKVM*9(*VTWSPHUJLHUKHTLTILYVM aimed at supporting her Division’s goals to enhance the [OL*VYWVYH[L(MMHPYZ3LHKLYZOPW;LHT0U[OPZJHWHJP[` H]HPSHIPSP[`VMJHWP[HSMVYZTHSSI\ZPULZZLZI`LK\JH[PUN OLPZYLZWVUZPISLMVYKPYLJ[PUNHSSHZWLJ[ZVM[OL*9( ÄUHUJPHSPUZ[P[\[PVUZVUVWWVY[\UP[PLZHUKWYVK\J[Z Compliance function including: designing strategy and MVYÄUHUJPUNZTHSSI\ZPULZZLZPUJS\KPUN*9(LSPNPISL I\PSKPUNPUMYHZ[Y\J[\YL[V[OLSL]LSVMH[VW[LUIHUR" PUP[PH[P]LZ"HUK[VKL]LSVWHU\UKLYZ[HUKPUNVMPZZ\LZ THUHNPUNNVHSZL[[PUNTVUP[VYPUNHUKYLWVY[PUN" PTWHJ[PUNZTHSSI\ZPULZZLZ[OYV\NOHYHUNLVMWVSSPUN JVUK\J[PUNZLSMHZZLZZTLU[Z"THUHNPUN*9(YLN\SH[VY` YLZLHYJOHUKV\[YLHJOPUP[PH[P]LZ7YPVY[VQVPUPUN[OL YLSH[PVUZHUKTHPU[HPUPUNL_HTPUH[PVUYLHKPULZZ"HUK )VHYK4HY`ZVS^VYRLKMVY7HUNLH*HWP[HS4HUHNLTLU[ LUZ\YPUNKH[HPU[LNYP[`MVY[OLHUU\HSZTHSSI\ZPULZZ 3PTP[LKÔLYLZOL^HZYLZWVUZPISLMVYHJX\PZP[PVU SLUKPUNHUKW\ISPJJVTTP[TLU[ÄSPUNZ7YPVY[VQVPUPUN management, structuring and oversight of a variety *HWP[HS6ULOL^VYRLKH[<:)HUJVYWÔLYLOL^HZ VMWYP]H[LLX\P[`PU]LZ[TLU[Z4HY`ZVSOVSKZ4HZ[LYZ YLZWVUZPISLMVY*9(HUK-HPY3LUKPUN*VTWSPHUJLHUK KLNYLLZPULJVUVTPJZMYVT[OL1VOUZ/VWRPUZVYRPUN.YV\WHUKHMV\UKPUNTLTILY ZLY]PJLZMVYSV^PUJVTL\UKLYZLY]LKOV\ZLOVSKZ of the CRA Resource Exchange. /*/*^HZMV\UKLK[VWYLZLY]L[OLOPZ[VYPJ+\UUPUN House in 1989. One of the Agency’s goals is to preserve Ramon Mendez /VSS`^VVK»ZOPZ[VY`[OYV\NO[OLYLOHIPSP[H[PVUVM Director of Solutions and Strategic Priorities deteriorated properties of cultural, architectural or Enterprise Community Partners, Inc. OPZ[VYPJZPNUPÄJHUJL0UZ\IZLX\LU[`LHYZ/*/* 9HTVU4LUKLa1YPZ+PYLJ[VYVM:VS\[PVUZMVY,U[LYWYPZL OHZWSHJLKHUHKKP[PVUHSI\PSKPUNZJVTWYPZPUNH Community Partners. With over 20 years of experience [V[HSVM \UP[ZPUZLY]PJLVMÔPJO^LYLOPZ[VYPJ PUÄUHUJPUNHUKKL]LSVWPUNHMMVYKHISLOV\ZPUNPU YLZ[VYH[PVUZ/*/*I\PS[[OLÄYZ[TP_LK\ZLHMMVYKHISL *HSPMVYUPHOLPZYLZWVUZPISLMVYWYV]PKPUNZ[YH[LNPJ OV\ZPUNKL]LSVWTLU[PU3VZ(UNLSLZV]LYHIPNIV_ vision and leadership and locally implementing retailer. HCHC currently has another 324 units under Enterprise’s national initiatives, including Building KL]LSVWTLU[4Z1VOUZVULHYULKH4HZ[LYZKLNYLLPU :\Z[HPUHISL6YNHUPaH[PVUZ.YLLU*VTT\UP[PLZ )\ZPULZZ(KTPUPZ[YH[PVUMYVT=HUKLYIPS[

57 [VZ[Y\J[\YL[OLKLI[HUKLX\P[`MVYHMMVYKHISLT\S[P compliance-related topics for industry groups and is an MHTPS`HUKTP_LK\ZLWYVQLJ[Z[V[HSPUNTVYL[OHU instructor for the OCC’s Consumer Compliance School OVTLZYLWYLZLU[PUN TPSSPVUPU[H_JYLKP[LX\P[` MVYUL^L_HTPULYZ:OLHSZVYLWYLZLU[Z[OL6**VU[OL HUK TPSSPVUPUWYP]H[LHJ[P]P[`IVUKÄUHUJPUN HK]PZVY`IVHYKMVY[OL/PSSZIVYV\NO*V\U[`:JOVVSZ 4LUKLaLHYULKHK\HSTHZ[LY»ZKLNYLLPU\YIHU (JHKLT`VM-PUHUJLHWYVNYHT[OH[WYV]PKLZÄUHUJPHS WSHUUPUNHUK3H[PU(TLYPJHUZ[\KPLZHUKHIHJOLSVY»Z LK\JH[PVUQVIZOHKV^PUNHUKÄUHUJPHSPU[LYUZOPWZ degree in psychology from the University of California, [VOPNOZJOVVSZ[\KLU[Z3PZHOVSKZH4HZ[LYVM7\ISPJ 3VZ(UNLSLZ/LPZHSZVH`LHY[LYTTLTILYVM[OL (KTPUPZ[YH[PVUH)HJOLSVYVM:JPLUJLPU-PUHUJLHUK )VHYKVM+PYLJ[VYZMVY[OL>LZ[/VSS`^VVK*VTT\UP[` H*LY[PÄJH[LPU

Salvador Menjivar Jonathan Miller Executive Director Deputy Director for Policy and Research )LULÄJPHS:[H[L)HUR-V\UKH[PVU Federal Deposit Insurance Corporation :HS]HKVY4LUQP]HYPZ[OL,_LJ\[P]L+PYLJ[VYVM)LULÄJPHS +LW\[`+PYLJ[VY1VUH[OHU4PSSLYSLHKZ[OL-+0*»Z :[H[L)HUR-V\UKH[PVUHIHUROVSKPUNJVTWHU`^P[O Division of Depositor and Consumer Protection OLHKX\HY[LYZPU6HRSHUK*(:HS]HKVYOHZILLUPU 7VSPJ`HUK9LZLHYJO)YHUJO;OPZIYHUJOKVLZVYPNPUHS WVZP[PVUZVMSLHKLYZOPWPU[OLWYP]H[LHUKUVUWYVÄ[ JVUZ\TLYYLZLHYJO"WYV]PKLZHUHS`[PJZ\WWVY[MVY ZLJ[VYZMVYV]LY[^LU[``LHYZ>OPSLH[[LUKPUNZJOVVSPU JVTWSPHUJLL_HTPUH[PVUZ"KL]LSVWZN\PKHUJLVU 5L^@VYROLOLSWLKSH\UJOHUPTWVY[L_WVY[JVTWHU` JVUZ\TLYSH^ZHUKYLN\SH[PVUZ"KL]LSVWZZ\WLY]PZVY` IYVRLYPUNHUKZLSSPUNVYNHUPJMVVKZMYVT3H[PU(TLYPJH WVSPJ`"HUKRLLWZHIYLHZ[VMPUK\Z[Y`[YLUKZHMMLJ[PUN /LOHZHSZVKPYLJ[LKWVSP[PJHSJHTWHPNUZVUILOHSMVM JVUZ\TLYZHUKKLWVZP[VYZ7YPVY[VQVPUPUN[OL-+0* the California Democratic Party. Previously, he served PU-LIY\HY`+LW\[`+PYLJ[VY4PSSLY^VYRLKMVY HZ,_LJ\[P]L+PYLJ[VYVM/HTPS[VU-HTPS`*LU[LYPU:HU the U. S. Congress for more than 23 years including -YHUJPZJV:HS]HKVYOHZHSZVZLY]LKVUNV]LYUTLU[HS MVY[OL:LUH[L)HURPUN*VTTP[[LL^OLYLOLOLSWLK JVTTPZZPVUZPU[OL*P[PLZVM:HU-YHUJPZJVHUK draft the consumer protections and mortgage provisions Berkeley. He has volunteered his time on many Boards VM[OL+VKK-YHUR(J["[OL/V\ZL-PUHUJPHS:LY]PJLZ of Directors in the Bay Area -including the Mission *VTTP[[LL^VYRPUNWYPTHYPS`VUPZZ\LZYLSH[LK[V (YLH-LKLYHS*YLKP[

58 OHZHSZVW\ISPZOLKHY[PJSLZHUKWHWLYZHUKZWVRLU PU[OL-+0*[YHPUPUNMHJPSP[`PU(YSPUN[VU=PYNPUPH:[L]L UH[PVUHSS`VU[OLZL[VWPJZ1VOULHYULKOPZ)HJOLSVY»Z PZHNYHK\H[LVM5VY[OLYU0SSPUVPZPZJVUZPU4HKPZVU>PZJVUZPUHUK[OLBrothers Big Sisters [OH[ZWLJPHSPaLKPUHKHW[P]LYL\ZLWYVQLJ[ZWYV[V[`WL VM:V\[O;L_HZ4HYJOVM+PTLZ9LNPVU6UL,K\JH[PVU multi-family housing, and hillside construction. :LY]PJL*LU[LY»Z:V\[O;L_HZ-PUHUJPHS3P[LYHJ`(SSPHUJL 4J(SSLU*OHTILYVM*VTTLYJL4J(SSLU,TLYNPUN Steven Murphy 3LHKLYZ*H[OVSPJ*OHYP[PLZVM[OL9PV.YHUKL=HSSL`HUK Review Examiner V[OLYZ:OLPZHUH[P]LVM6OPVI\[PZHWYV\K;L_HUH[ Federal Deposit Insurance Corporation heart for 11 years. :[L]LU94\YWO`*9*4PZH9L]PL^,_HTPULYMVY [OL*OPJHNV9LNPVUVM[OL-LKLYHS+LWVZP[0UZ\YHUJL Cathy Niederberger *VYWVYH[PVU-+0*7YPVY[VHZZ\TPUNOPZJ\YYLU[ Managing Director, Community Development Banking WVZP[PVUOLSLKV]LYL_HTPUH[PVUZVMÄUHUJPHS PNC Bank, NA PUZ[P[\[PVUZYHUNPUNPUZPaLMYVT TPSSPVU[V *H[O`5PLKLYILYNLYPZ4HUHNPUN+PYLJ[VYVM*VTT\UP[` T\S[PIPSSPVUKVSSHYIHURPUNVYNHUPaH[PVUZHZ^LSS Development Banking for PNC Bank. In this role, she as served in a variety of acting assignments at the oversees PNC’s community development strategies in 19 YLNPVUHSHUKOLHKX\HY[LYSL]LSZ^P[OPU[OLHNLUJ` Z[H[LZHUK[OL+PZ[YPJ[VM*VS\TIPHKPYLJ[PUN[OL[LHT»Z PUJS\KPUN(ZZPZ[HU[9LNPVUHS+PYLJ[VY-PLSK:\WLY]PZVY lending, investment and service results for the PNC HUK-HPY3LUKPUN:WLJPHSPZ[:[L]LPZH]L[LYHU MVV[WYPU[;OPZPZHJJVTWSPZOLKI`HZZLZZPUNJVTT\UP[` speaker on compliance topics at various industry HUKJ\Z[VTLYULLKZPUSV^HUKTVKLYH[LPUJVTL JVUMLYLUJLZZWVUZVYLKI`VYNHUPaH[PVUZZ\JOHZ[OL JVTT\UP[PLZHUKKLSP]LYPUNÄUHUJPHSHUKPU[LSSLJ[\HS -LKLYHS-PUHUJPHS0UZ[P[\[PVU,_HTPUH[PVU*V\UJPS resources to meet those needs through company- (TLYPJHU)HURLYZ(ZZVJPH[PVU-LKLYHS9LZLY]L)HURZ ^PKLNVHSZHUKZ[YH[LNPLZ;OYV\NOV\[OLYJVTT\UP[` *VTT\UP[`)HURLYZ(ZZVJPH[PVU>VS[LYZ2S\^LY development career, Cathy has provided expertise to -PUHUJPHS:LY]PJLZ0SSPUVPZ)HURLYZ(ZZVJPH[PVUHUK ZL]LYHSJVTT\UP[`VYNHUPaH[PVUZHUKOHZILLU[OL Chicagoland Compliance Association. As a teacher recipient of distinguished Community Development H[[OL-+0*»ZL_HTPUH[PVUZJOVVSZMVYTVYL[OHU H^HYKZ*H[O`PZHTLTILYVM[OL*VUZ\TLY)HURLYZ years, he co-developed and currently serves as a lead Association’s Community Reinvestment Committee, the PUZ[Y\J[VYMVY[OLHNLUJ`»Z*9(:JOVVS^OPJOPZOLSK National Community Reinvestment Coalition’s Bankers

59 *VTT\UP[`*VSSHIVYH[P]L*V\UJPSHUKZLY]LZHZH /V\ZPUN;H_*YLKP[*VHSP[PVU[OL5H[PVUHS/V\ZPUN )VHYKTLTILYVM[OL5H[PVUHS(ZZVJPH[PVUVM(MMVYKHISL *VUMLYLUJL[OL54;**VHSP[PVUHUK/PZ[VYPJ;H_ Housing Lenders and the Pennsylvania Housing Credit Coalition. Mr. Novogradac graduated from the (K]PZVY`*V\UJPS*H[O`THQVYLKPUHJJV\U[PUNH[

Craig Nolte Kevin Nowak Regional Manager National Equity Investment Manager Federal Reserve Bank of San Francsico KeyBank Craig Nolte is a Regional Manager for Community 2L]PU15V^HRPZ[OL5H[PVUHS,X\P[`0U]LZ[TLU[4HU- +L]LSVWTLU[^P[O[OL-LKLYHS9LZLY]L)HURVM:HU ager of Key Community Development Corporation, a -YHUJPZJV*YHPN»Z[LYYP[VY`PUJS\KLZ[OL:[H[LZVM ÔVSS`VÛLKZ\IZPKPHY`VM2L`)HUR0UOPZWVZP[PVU >HZOPUN[VU0KHOV(SHZRH/H^HPPHUK7HJPÄJ0ZSHUKZ 2L]PUPZYLZWVUZPISLMVYIV[O[OLUL^HJX\PZP[PVUVM *YHPN^VYRZ^P[OH^PKLYHUNLVMVYNHUPaH[PVUZ community development investments and the asset [VJYLH[LLJVUVTPJVWWVY[\UP[`LZWLJPHSS`PUSV^ THUHNLTLU[VM2*+*»Z )PU]LZ[TLU[WVY[MVSPV2L]- PUJVTLHYLHZHUKMVYSV^PUJVTLWLVWSLHUKHYLHZ in’s experience in community and economic develop- ULLKPUNYL]P[HSPaH[PVUI`KL]LSVWPUNHUKJVUULJ[PUN ment includes the full spectrum of deal structuring and ILZ[WYHJ[PJLZHUKLTLYNPUNPKLHZ^P[OVYNHUPaH[PVUZ ÄUHUJPUNPUJS\KPUN[H_JYLKP[HUKUVU[H_JYLKP[ ILZ[WVZP[PVULK[VTHRLTLHUPUNM\SJOHUNLPUV\Y ÄUHUJLKHMMVYKHISLOV\ZPUNWYVQLJ[ZÄUHUJLK^P[O communities. Craig also promotes fair and informed UL^THYRL[Z[H_JYLKP[ZOPZ[VYPJ[H_JYLKP[ZHUKLULYN` HJJLZZ[VÄUHUJPHSTHYRL[ZMVYJVTT\UP[PLZHUK [H_JYLKP[ZPU]LZ[TLU[ZPUZTHSSI\ZPULZZPU]LZ[TLU[ individuals, recognizing the particular needs of JVTWHUPLZ*+-0ZHUKJP]PJSVHUM\UKZHUKLX\P[` underserved populations. Craig’s partners include LX\P]HSLU[ÄUHUJL7YPVY[VQVPUPUN2L`2L]PU^HZ foundations, government agencies, universities, an associate in the commercial real estate practice of ÄUHUJPHSPUZ[P[\[PVUZHUKUVUWYVÄ[VYNHUPaH[PVUZ ;OVTWZVU/PUL337HUH[PVUHSSH^ÄYTIHZLKPU*SL]L- *YHPN»ZYLJLU[WYVQLJ[ZPUJS\KLJVSLHKPUNZL]LYHSOLHS[O SHUK+\YPUNOPZ[PTLH[;OVTWZVU/PUL2L]PUYLWYL- JVSSHIVYH[P]LZHSPNUPUNNV]LYUTLU[HNLUJ`HJ[P]P[PLZ ZLU[LKH^PKL]HYPL[`VMJSPLU[ZMYVTZTHSSKL]LSVWLYZ enhancing access to credit on Indian reservations and [VUH[PVUHS9,0;Z[VWYP]H[LS`HUKW\ISPJSÒLSKJVYWV- other indigenous communities, and analyzing systemic YH[PVUZPU[OLHJX\PZP[PVUKPZWVZP[PVUKL]LSVWTLU[ challenges in areas of high unemployment. JVUZ[Y\J[PVUHZZL[THUHNLTLU[HUKÄUHUJPUNVM[OLPY real estate assets. Kevin is actively involved in many af- Michael Novogradac MVYKHISLOV\ZPUNPUK\Z[Y`HUKHK]VJHJ`NYV\WZHUKPZ Managing Partner [OL;YLHZ\YLYVM[OL*SL]LSHUK/V\ZPUN5L[^VYR2L]PU Novogradac & Company LLP earned his B.A., Phi Beta Kappa, in Political Science and /PZ[VY`MYVT[OLVYRPUN.YV\WHUK YLW\[H[PVUTHUHNLTLU[HUKKP]LYZP[`HUKZ\Z[HPUHIPSP[` [OL30/;*>VYRPUN.YV\W4Y5V]VNYHKHJHSZVZLY]LZ reporting. He reports to Chairman and CEO Manolo on the executive committee of the Housing Advisory :mUJOLa)LMVYLQVPUPUN[OLIHURPU 6JH|HZOLSK .YV\WHUK[OLIVHYKZVMKPYLJ[VYZVM[OL(MMVYKHISL WVZP[PVUZ^P[O>LSSZ-HYNV174VYNHU*OHZL *V

60 )HURVM(TLYPJH[OL;L_HZ(ZZVJPH[PVUVM*VTT\UP[` -V\UKLYHUK+PYLJ[VYVM[OL=L[LYHUZ7VSPJ`3LHKLYZOPW +L]LSVWTLU[*VYWVYH[PVUZHUK[OL.YLH[LY(\Z[PU 0UZ[P[\[LPU9LUV5L]HKH;OL=730PZHYLZLHYJOHUK /PZWHUPJ*OHTILYVM*VTTLYJL6JH|HZPZHMV\UKPUN WVSPJ`PUZ[P[\[L^VYRPUN[VHK]HUJL]L[LYHUV\[JVTLZ TLTILYVM[OL9LW\[H[PVU3LHKLYZOPW5L[^VYRHUK through a focus on state and local systems change, data IVHYKTLTILYVM[OL;L_HZ4LaaHUPUL-\UK3PM[-\UK KYP]LUW\ISPJWVSPJ`PU]LZ[TLU[ZHUK[OLSL]LYHNPUN MVYTLYS`(**065;L_HZHUK1\UPVY(JOPL]LTLU[VM VMW\ISPJHUKWYP]H[LHZZL[Z[VHKKYLZZ[OLJVTWSL_ :V\[OLHZ[;L_HZ/LHSZVZLY]LZHZHYV\UK[HISLTLTILY OLHS[OLTWSV`TLU[HUK^LSSULZZJOHSSLUNLZMHJPUNV\Y VM[OL;L_HZ(ZZVJPH[PVUVM*VTT\UP[`+L]LSVWTLU[ ]L[LYHUZ;OL=730W\ISPZOLZYLZLHYJOVUPZZ\LZZ\JOHZ *VYWVYH[PVUZ/LLHYULKHIHJOLSVY»ZKLNYLLMYVT ÄUHUJPHSZ[HIPSP[`KH[HZOHYPUNHUKTL[YPJKL]LSVWTLU[ 9PJL0ÄLSKVMÄJL>OPSLPU[OLZLÄLSK PU]VS]LKPU[OLT¸(SHZRHPZZ\JOHSHYNLWSHJLP[»ZUV[ VMÄJLZZOL^HZYLZWVUZPISLMVYJVTWSL[PUNTHU`*9( LHZ`[V]PZP[JLY[HPUJVTT\UP[PLZ¹7HNLZHPK¸@V\JHU»[ L]HS\H[PVUZVMZTHSSIHURZ0U(T`TV]LK[V Q\Z[KYP]L[V(UPHRVY2HSZRHNHUK[HSRI\ZPULZZ>OL[OLY 5L^@VYR[VQVPU[OL3HYNL)HUR,HZ[;LHTHUK^HZ it’s conferences, meetings or other venues, I’ve gotten WHY[VM[OLYLZPKLU[JVTWSPHUJLZ[HMMH[174VYNHU*OHZL [VRUV^^LSSHSV[VM(SHZRHUZMYVTY\YHS]PSSHNLZ;OL` )HUR5(>OPSLPU[OPZYVSL(T`ILJHTL[OL*9( TH`SP]LPUYLTV[LSVJH[PVUZI\[[OLPYIHURPUNULLKZ point person for the team, and led the CRA evaluations are all the same. It’s an honor to help companies from MVY*OHZL<:(5(HUK174VYNHU*OHZL5(:OL HSSHYV\UK[OLZ[H[LTLL[[OLPYNVHSZ0[»ZHSZV^VY[OUV[- also assisted on other CRA evaluations at very large PUN[OH[[OL6MÄJLVM0UKPHU,ULYN`,JVUVTPJ+L]LSVW- PUZ[P[\[PVUZ(SZVK\YPUNOLY[PTLPU5L^@VYR(T` TLU[60,,+SVHUN\HYHU[`WYVNYHTOHZWYV]LU[VILH helped to develop the OCC’s Small Bank/Intermediate ^VUKLYM\SHZZL[MVY(SHZRH¹-YVTZLJ\YPUNH[YLLJ\[[PUN :THSS)HUR*9(:JOVVSHUK^HZHMHJPSP[H[VYMVYMV\Y THJOPULMVYH[PTILYWYVQLJ[PU5HWHPT\[L[VOLSWPUN `LHYZ0U (T`QVPULK[OLAPVUZ-PYZ[5H[PVUHS)HUR 5VTLNL[HUHWHY[TLU[I\PSKPUNI\PS[7HNLÄUKZIHUR- HUPUZ[P[\[PVUPU[OLTPKZPaLIHURSPULVMI\ZPULZZ PUNZVS\[PVUZMVYOPZJ\Z[VTLYZI`I\PSKPUNTLHUPUNM\S JVYLL_HTPUH[PVUZ[HMMHZ[OLJVTWSPHUJL-\UJ[PVUHS YLSH[PVUZOPWZ^P[O[OLT¸0[HRLHNLU\PULPU[LYLZ[PULHJO ,_HTPULYPU*OHYNL0U[OPZYVSLZOL^HZYLZWVUZPISL VULVMT`J\Z[VTLYZ¹7HNLZHPK¸:VTL[PTLZP[THRLZ MVYHSSJVTWSPHUJLL_HTPUH[PVUHJ[P]P[PLZH[[OLAPVUZ ZLUZL[VI\`LX\PWTLU[:VTL[PTLZSLHZPUNPZ[OLILZ[ UH[PVUHSHMÄSPH[LZPUJS\KPUN[OL*9(L]HS\H[PVUZ0U VW[PVU>LÄN\YLV\[[OLILZ[JV\YZLVMHJ[PVUI`NL[[PUN (T`^HZZLSLJ[LK[VKL]LSVWHUKPTWSLTLU[[OL [VRUV^VULHUV[OLY¹7HNLYLN\SHYS`H[[LUKZTLL[PUNZVM *9(7LYMVYTHUJL,]HS\H[PVUX\HSP[`JVU[YVSYL]PL^ [OL:V\[O^LZ[(SHZRH4\UPJPWHS*VUMLYLUJLHUKV[OLY WYVJLZZ^P[OPU[OLTPKZPaLSPULVMI\ZPULZZ regional economic development organizations.

Cyndy Ortiz Gustafson Alana Parker Director ,K\JH[PVUHUK;YHPUPUN+PYLJ[VYHUK*9(6MÄJLY Veterans Policy Leadership Institute First Metro Bank *`UK`6Y[Pa.\Z[HMZVUPZ[OL*,6VM:[YH[LNPJ7YVNYLZZ (SHUH7HYRLYZLY]LZHZ[OL,K\JH[PVUHUK;YHPUPUN 33*HJVUZ\S[PUNÄYT[OH[ZWLJPHSPaLZPUYLZLHYJO +PYLJ[VYHZ^LSSHZ[OL*VTT\UP[`9LPU]LZ[TLU[(J[ data analysis and the design and implementation of 6MÄJLYH[-PYZ[4L[YV)HURHJVTT\UP[`IHURSVJH[LK SHYNLZJHSLW\ISPJWVSPJ`PUP[PH[P]LZ:OLPZHSZV[OL PU4\ZJSL:OVHSZ(SHIHTH:OLPZHNYHK\H[LVM

61 [OLP[OHZTHSS VM2HUZHZ4PZZV\YP5LIYHZRH0V^H:V\[O+HRV[H team of employees, Alana speaks to over 5,000 students North Dakota, and Minnesota. Ms. Perez serves as a WLY`LHYYLNHYKPUN[VWPJZZ\JOHZJYLKP[H^HYLULZZ SPHPZVUMVYÄUHUJPHSPUZ[P[\[PVUZL_HTPULYZJVTT\UP[` I\KNL[PUN[OLPTWVY[HUJLVMZH]PUNTVUL`HUKV[OLY organizations, and other stakeholders in the areas of ÄUHUJPHSSP[LYHJ`[VWPJZ0UHKKP[PVU[V]PZP[PUNSVJHS economic inclusion, the Community Reinvestment JSHZZYVVTZ-PYZ[4L[YV)HURVWLULK[^VZ[\KLU[ (J[HUKMHPYSLUKPUNSH^Z4Z7LYLaILNHUOLY^VYR VWLYH[LKIYHUJOLZ^P[OPUSVJHSOPNOZJOVVSZPU ^P[O[OL-+0*»Z*VTT\UP[`(MMHPYZ)YHUJOPU+HSSHZ (SHUH^VYRLK^P[O[OL-+0*:[H[L)HURPUN+LWHY[TLU[ ;L_HZHZ[OL*VTT\UP[`(MMHPYZ(ZZPZ[HU[PU HUK HUKPU[LYUHSKLWHY[TLU[ZVM[OLIHUR[VJYLH[L[OLZL ^HZWYVTV[LK[V[OLWVZP[PVUVM-HPY3LUKPUN:WLJPHSPZ[ IYHUJOLZ;OLZLZ[\KLU[IYHUJOLZHYLZ[HMMLKIÒPNO from 1993 - 1999. Ms. Perez served as a Community school students and are open to students, faculty, staff Affairs Specialist for the Dallas Region from 1999 until and administrators each school day. Alana oversees the ÔLUZOLYLSVJH[LK[V[OL4PK^LZ[HZ9LNPVUHS VWLYH[PVUVM[OLZ[\KLU[IYHUJOLZHUKHPKLZ[OL[LHJOLYZ Manager. As Regional Manager, Ms. Perez provides HUKZ[\KLU[ZPU[OLPYKHPS`VWLYH[PVUZ:OLOHZ^VYRLK oversight for the Alliance for Economic Inclusion ^P[OIHURZPU(SHIHTH;LUULZZLLHUK4PZZPZZPWWP[V (,0HUKV[OLYLJVUVTPJPUJS\ZPVUHUKJVTT\UP[` OLSWPTWSLTLU[ZPTPSHYZ[\KLU[VWLYH[LKIHURZ development initiatives of the Community Affairs Branch in the seven-state Kansas City Region. In 2007, Ms. Manuel Pastor 7LYLa^HZH^HYKLKHMLSSV^ZOPW\UKLY[OL)YVVRPUNZ Professor 0UZ[P[\[PVU,_LJ\[P]L,K\JH[PVU7YVNYHTHUK^VYRLK University of Southern California ^P[O[OL[O*VUNYLZZVU*HWP[VS/PSS4Z7LYLa Dr. Manuel Pastor is Professor of Sociology and WYL]PV\ZS`^VYRLKMVY[OL-+0*»ZMVYTLY+P]PZPVUVM American Studies & Ethnicity at the University of 3PX\PKH[PVUZ(ZZL[4HYRL[PUN:LJ[PVUPU+HSSHZÔLYL :V\[OLYU*HSPMVYUPH<:*-V\UKPUNKPYLJ[VYVM[OL ZLSSPUN[OLHZZL[ZVMMHPSLKPUZ[P[\[PVUZ^HZ[OLWYPTHY` *LU[LYMVY1\Z[PJL;VSLYHUJLHUK*VTT\UP[`H[[OL M\UJ[PVU)LMVYL^VYRPUNMVY[OL-+0*ZOLZWLU[ University of California, Santa Cruz, Pastor currently `LHYZPUIHURPUNPUJLU[YHS;L_HZ directs the Program for Environmental and Regional ,X\P[`7,9,H[<:*HUK<:*»Z*LU[LYMVY[OL:[\K`VM Jan Perry 0TTPNYHU[0U[LNYH[PVU*:00/LOVSKZHULJVUVTPJZ General Manager Ph.D. from the University of Massachusetts, Amherst, Economic and Workforce Development Department, HUKPZ[OLPUH\N\YHSOVSKLYVM[OL;\YWHUQPHU*OHPYPU City of Los Angeles Civil Society and Social Change at USC. Dr. Pastor 1HU7LYY`PZ[OL.LULYHS4HUHNLYVM[OL3VZ(UNLSLZ ^YP[LZHUKZWLHRZMYLX\LU[S`VUPZZ\LZVMKLTVNYHWOPJ Economic and Workforce Development Department JOHUNLLJVUVTPJPULX\HSP[`HUKJVTT\UP[` ,>++4H`VY.HYJL[[PHWWVPU[LKOLY[V[OLWVZP[PVU LTWV^LYTLU[/PZTVZ[YLJLU[IVVR¸,X\P[`.YV^[O in 2013. Both Perry and the Mayor share a passion for and Community: What the Nation Can Learn from QVIJYLH[PVUHUK[OLYL]P[HSPaH[PVUVMULPNOIVYOVVKZ[OH[ (TLYPJH»Z4L[YV(YLHZ¹JVH\[OVYLK^P[O*OYPZ)LUULY YLZ\S[ZPUPTWYV]PUN[OLX\HSP[`VMSPMLMVYHSS(UNLSLUVZ <*7YLZZHYN\LZOV^PULX\HSP[`Z[\U[ZLJVUVTPJ (Z.LULYHS4HUHNLYVM[OL,JVUVTPJHUK>VYRMVYJL NYV^[OHUKOVÎYPUNPUN[VNL[OLYLX\P[`HUKNYV^[O Development Department, Ms. Perry leads a staff of YLX\PYLZJVUJLY[LKSVJHSHJ[PVU+Y7HZ[VYOHZZLY]LKHZ ZVTLPULJVUVTPJKL]LSVWTLU[JOHYNLK^P[O HTLTILYVM[OL*VTTPZZPVUVU9LNPVUZHWWVPU[LKI` IYVRLYPUNJP[`SVHUZHUKIVUKZ6U[OL^VYRMVYJL *HSPMVYUPH»Z:WLHRLYVM[OL:[H[L(ZZLTIS`0UOL side, the department oversees 17 WorkSource centers ^HZH^HYKLK[OL>HSS`4HYRZ*OHUNLTHRLYVM[OL@LHY for adults that offer specialized training, and career H^HYKMYVT[OL3PILY[`/PSS-V\UKH[PVUPUYLJVNUP[PVU development services. In addition, the department VMOPZTHU`YLZLHYJOWHY[ULYZOPWZ^P[OZVJPHSQ\Z[PJL administers 16 YouthSource centers that focus on organizations. career exploration, tutoring and computer skills, JVSSLNLWYLWHUK^VYRYLHKPULZZZRPSSZ;OL,>++^HZ JYLH[LKPU^P[OHNVHS[VZW\YI\ZPULZZHJ[P]P[` [OH[JYLH[LZQVIZHUKHZ[YVUN[H_IHZL4Z7LYY` RUV^Z[OH[LJVUVTPJKL]LSVWTLU[HUKLTWSV`TLU[ Z[PT\SH[LZNYV^[OPUHJP[`HUKIYPUNZHIV\[TVYL

62 housing, increased demand for goods and services includes having managed the Sacramento Housing and HUKÅV\YPZOPUNJVTT\UP[PLZ4Z7LYY`PZ[OLMVYTLY 9LKL]LSVWTLU[(NLUJ`»Z:LJ[PVU /*=WYVNYHT 3VZ(UNLSLZ*P[`*V\UJPSTLTILYMVY[OL [O+PZ[YPJ[ ILULÄ[PUNSV^PUJVTLMHTPSPLZ3LPSHUPOHZ ^OPJOPUJS\KLK)\URLY/PSS3P[[SL;VR`VHUK:V\[O HSZV^VYRLKHZHJVUZ\S[HU[[V*P[PLZHUK*V\U[PLZ 3VZ(UNLSLZ+\YPUNOLY`LHYZPUVMÄJLZOLV]LYZH^ throughout California, and she has an extensive THQVYJOHUNLZPU[OLKPZ[YPJ[»ZPUMYHZ[Y\J[\YL;OPZ IHJRNYV\UKPUWYP]H[LYLHSLZ[H[LKL]LSVWTLU[ YLZ\S[LKPUX\HSP[`QVIKL]LSVWTLU[HUK[YHPUPUNHUK[OL PUJS\KPUN[YHUZP[VYPLU[LKPUÄSSTP_LK\ZL expansion of housing in all income levels. KL]LSVWTLU[HMMVYKHISLOV\ZPUNHUKTHZ[LYWSHUULK communities. Leilani has served on a City Planning Andrea Phillips Commission, local housing advisory commission, Vice President [LJOUPJHSHK]PZVY`IVHYKZHUKVU[OL:HJYHTLU[V Goldman Sachs County Children’s Coalition. Leilani has held a *HSPMVYUPHYLHSLZ[H[LIYVRLY»ZSPJLUZL:OLYLJLP]LKH (UKYLH7OPSSPWZPZH=PJL7YLZPKLU[PU[OL

63 QVIZLK\JH[PVUHUKOLHS[O4LSPUKHSLHKZ,U[LYWYPZL»Z PUJVTTP[TLU[Z/LJ\YYLU[S`ZLY]LZHZH:LUPVY=PJL [LJOUPJHSHZZPZ[HUJL[LHTZ\WWVY[PUNMLKLYHS:\Z[HPUHISL 7YLZPKLU[MVY>LSSZ-HYNVHUKOHZ`LHYL_WLYPLUJLHZ Communities Initiative grantees and supports colleagues HUPUZ[P[\[PVUHS3PTP[LK7HY[ULYTLYNLYHUKHJX\PZP[PVUZ ^VYRPUN[VPTWSLTLU[[YHUZP[VYPLU[LKHNLUKHZPUZP_ ,=7HUKI\ZPULZZVÛLY;PTWYL]PV\ZS`ZLY]LKHZH YLNPVUZHJYVZZ[OL<:7YPVY[VQVPUPUN,U[LYWYPZL >LHS[O:WLJPHSPZ[MVY>LSSZ-HYNV»Z;OL7YP]H[L)HURHUK 4LSPUKH^HZ]PJLWYLZPKLU[MVYZ[YH[LNPJPUP[PH[P]LZH[ =PJL7YLZPKLU[H[*P[P.YV\W^P[OYLZWVUZPIPSP[`MVYV]LY Mercy Housing, providing consulting services related to LTWSV`LLZHUKH IPSSPVU7 3(KKP[PVUHSS` HMMVYKHISLOV\ZPUNMVYOLHS[OJHYLZ`Z[LTZHUKYLSPNPV\Z OL^HZ,=7MVY*YVZZÄLSKHZTHSS4 (ÄYT;PT JVTT\UP[PLZHUKSLHKPUN4LYJ`»ZHMMVYKHISLOV\ZPUN PZHUHJ[P]LTLTILYPU[OL:THSS)\ZPULZZ0U]LZ[VY WYLZLY]H[PVUHJ[P]P[PLZ4LSPUKHOVSKZHIHJOLSVY»Z (SSPHUJL:)0(HUHK]VJHJ`NYV\WMVYSV^LYTPKKSL degree in communications and human services from THYRL[WYP]H[LLX\P[`M\UKZHUKHZ\WWVY[LYVM[OL:)0* ;OL.LVYNL>HZOPUN[VUVVKZ[VJR»ZTPZZPVUPZ[VJYLH[LHQ\Z[ÄUHUJPHSZ`Z[LT is a longtime partner of NRDC in multiple initiatives PUÔPJOSV^LY^LHS[OWLYZVUZHUKJVTT\UP[PLZ including transportation policy reform, LEED-ND, and HUKWLVWSLHUKJVTT\UP[PLZVMJVSVYJHUIVYYV^ [OLJYLH[PVUVM:THY[.YV^[O(TLYPJH7YPVY[VQVPUPUN ZH]LHUKI\PSK^LHS[O[VHJOPL]LLJVUVTPJZLJ\YP[` 59+*:OLSSL`^HZHZLUPVYHK]PZVYHUKKPYLJ[VYVM and community prosperity. Dory has served on the [OL6MÄJLVM:\Z[HPUHISL/V\ZPUNHUK*VTT\UP[PLZH[ *VUZ\TLY-PUHUJPHS7YV[LJ[PVU)\YLH\»Z*VUZ\TLY [OL+LWHY[TLU[VM/V\ZPUNHUKVVKZ[VJR+VY`ZLY]LK Z\Z[HPUHISLHUKLX\P[HISLKL]LSVWTLU[WHY[PJ\SHYS` as Supervising Attorney of the Community Investment around transit stations. And prior to that, she served Unit at the Sargent Shriver National Center on Poverty HZ,_LJ\[P]L+PYLJ[VYVM[OL*VUNYLZZMVY[OL5L^ 3H^ÔLYLZOLSLKLMMVY[ZVUÄUHUJPHSLK\JH[PVUHZZL[ LSSZ-HYNV)HUR IHSHUJLZOLL[JHWP[HSPU[V*9(X\HSPÄLKPU]LZ[TLU[Z Steven Reider PUJS\KPUNWVZ[30/;*7YLZLY]H[PVUM\UKZ340=LU[\YL President *HWP[HSM\UKZ*VTT\UP[`+L]LSVWTLU[,X\P[`*9( Bancography :LJ\YP[PLZHUKW\ISPJ^LSMHYL9LHS,Z[H[LM\UKZ;PT :[L]LU9LPKLYPZ[OLMV\UKLYVM)HUJVNYHWO`ÔPJO SLHKZ[OL(S[LYUH[P]L,X\P[`.YV\WHUKPZYLZWVUZPISL WYV]PKLZIYHUJOWSHUUPUNWYVK\J[THUHNLTLU[HUK for his group’s initiatives to identify, diligence, and THYRL[PUNYLZLHYJOZLY]PJLZ[VÄUHUJPHSPUZ[P[\[PVUZ TVUP[VYPU]LZ[TLU[Z/PZWVY[MVSPVPZYV\NOS` IPSSPVU :[L]LTHUHNLZIYHUJOZ[YH[LN`WYVQLJ[ZPUTHYRL[Z

64 across the United States and Canada and also authored HUD, the National Association of Realtors, and the U.S. )HUJVNYHWO`7SHU)HUJVNYHWO`»ZPUUV]H[P]LIYHUJO 6MÄJLVM4HUHNLTLU[HUK)\KNL[.HY[ONYHK\H[LK VW[PTPaH[PVUZVM[^HYLWYVK\J[/LJVU[YPI\[LZYLN\SHYS` from Pomona College and received a Masters Degree [V[OLÄUHUJPHSPUK\Z[Y`HZHZWLHRLYHUKH\[OVY PU7\ISPJ7VSPJ`MYVT[OL1VOU-2LUULK`:JOVVSVM and serves on the faculty of the American Bankers .V]LYUTLU[H[/HY]HYK

65 and Louisiana. With three decades of economic, *+;(\N\Z[ :OLSLM[PU[V[HRLILJVTLH housing, and land-use policy expertise, she created the Director in the Housing and Community Development 7VSPJ`3PUR,X\P[HISL+L]LSVWTLU[;VVSRP[HUVUSPUL .YV\WH[-HUUPL4HLSLHKPUNJVTT\UP[`KL]LSVWTLU[ YLZV\YJL[OH[OPNOSPNO[ZILZ[ZVJPHSLX\P[`WYHJ[PJLZ PUP[PH[P]LZPU[OL4PK([SHU[PJHZ^LSSHZUH[PVUHS Kalima has a degree in narratives and culture from the account management of multifamily lenders. Prior University of California, Berkeley, and loves to support [V*+;4Z9V]PYH^HZH:LUPVY=PJL7YLZPKLU[H[ [OYP]PUNL_WYLZZPVUZVMHY[ZHUKJ\S[\YL·MYVT5L^ the Local Initiatives Managed Assets Corporation, a 6YSLHUZQHaa[V-PYZ[7LVWSLZHY[PZ[Z[V[OLZ[VY`[LSSLYZVM WYLKLJLZZVYVYNHUPaH[PVU[V*+;HUKH:LUPVY4VY[NHNL ULPNOIVYOVVKZHJYVZZ(TLYPJH 6MÄJLYH[5@*»Z+LWHY[TLU[VM/V\ZPUN7YLZLY]H[PVU and Development. Ms. Rovira has more than 25 years Thomas Rose experience in real estate including lending, secondary Director, Santa Ana Homeownership Center THYRL[ZJVTT\UP[`KL]LSVWTLU[^VYRV\[ZHUKHZZL[ U.S. Department of Housing and Urban Development management. Ms. Rovira has a BA in Economics from [OLVYRPUN.YV\WVU,U]PYVUTLU[HS 1\Z[PJL0>.HUK[OL9\YHS*VTTP[[LLVM[OL0>. 4LYPS`U9V]PYH:LUPVY=PJL7YLZPKLU[*HWP[HSHUK :OLZLY]LKHZ*V*OHPYVM;LHT,1VM[OL/<++6; :[YH[LNPJ0UP[PH[P]LZMVY;OL*VTT\UP[`+L]LSVWTLU[ ,7(7HY[ULYZOPWMVY:\Z[HPUHISL*VTT\UP[PLZ:PUJL ;Y\Z[*+;4Z9V]PYH^HZHMV\UKPUNVMÄJLYVM OLYHYYP]HS[V,7(PU 4Z9\OSOHZ^VUMV\Y

66 5H[PVUHS/VUVY(^HYKZ!.VSK4LKHSMVY/<+ Nick Saponara +6;,7(7HY[ULYZOPWMVY:\Z[HPUHISL*VTT\UP[PLZ" Director, Countywide Planning & Development .VSK4LKHSMVY4V\U[HPU;VW4PUPUN.\PKHUJL Los Angeles County Metropolitan Transportation ;LHT":PS]LY4LKHSMVY2L`Z[VUL7PWLSPUL5,7( Authority 9L]PL^"HUK:PS]LY4LKHSMVY )PSSPVU)H`VUUL 5PJR:HWVUHYHPZH+PYLJ[VYVM*V\U[`^PKL7SHUUPUN )YPKNL5,7(9L]PL^0UZOLYLJLP]LK[OL Development at the Los Angeles County Metropolitan ,_JLSSLUJLPU-YVU[SPUL7\ISPJ/LHS[O:LY]PJL(^HYKMVY ;YHUZWVY[H[PVU(\[OVYP[`4L[YVPU[OL1VPU[ ,_LTWSHY`7HY[ULYZOPWHUK:\WWVY[VM(;:+9»Z5H[PVUHS +L]LSVWTLU[\UP[ÔLYLOLPZYLZWVUZPISLMVYH^PKL )YVÛÄLSKZ3HUK9L\ZL/LHS[O0UP[PH[P]L:OL^HZ YHUNLVMYLHSLZ[H[LKL]LSVWTLU[HUKWSHUUPUNWYVQLJ[Z +PYLJ[VYVM7\ISPJ/LHS[OHUK3H^MVY[OL,U]PYVUTLU[HS that foster transit oriented communities around Metro’s 3H^0UZ[P[\[LMV\UKLY7YLZPKLU[VM3LNHS,U]PYVUTLU[HS NYV^PUN[YHUZP[Z`Z[LT7YPVY[VQVPUPUN4L[YVPU (ZZPZ[HUJL-V\UKH[PVU(ZZPZ[HU[*SPUPJHS7YVMLZZVYVM 4Y:HWVUHYH^HZHWYVQLJ[THUHNLYH[[OL*VTT\UP[` ,WPKLTPVSVN`HUK7\ISPJ/LHS[OH[5L^@VYR:[H[L 9LKL]LSVWTLU[(NLUJ`VM[OL*P[`VM3VZ(UNLSLZÔLYL University School of Optometry and received a Courtesy he led various geographically targeted community -HJ\S[`(WWVPU[TLU[[V0UZ[P[\[LVM7\ISPJ/LHS[OH[ revitalization efforts. Mr. Saponara holds Master of -SVYPKH( 4LZ[(MYPJH everyday Americans. He is also a Senior Advisor to the *LU[LYMVY-PUHUJPHS:LY]PJLZ0UUV]H[PVU[OLUH[PVU»Z SLHKPUNH\[OVYP[`VU[OL\UKLYIHURLKTHYRL[/L^HZ WYL]PV\ZS`HZLUPVYTHUHNLYH[*-:0MYVTP[ZPUJLW[PVU \U[PS*VYL^HZSH\UJOLKPU(YQHUPZHWHZZPVUH[L PUK\Z[Y`L_WLY[;OYV\NO*-:0HUK*VYLOLOHZPU]LZ[LK

67 in some of the most innovative companies serving [OL-LKLYHS9LZLY]L:`Z[LT/LHSZVZLY]LKPU]HYPV\Z L]LY`KH`HUK\UKLYIHURLKJVUZ\TLYZPUJS\KPUN SLHKLYZOPWYVSLZPU*9(6WLYH[PVUZ-PUHUJPHS:LY]PJLZ (JJV\U[5V^HJX\PYLKI`.YLLU+V[*PYJSL3LUKPUN HUK9PZR*VVYKPUH[PVUH[[OL-LKLYHS9LZLY]L)HURVM HJX\PYLKI`=PYNPU.YV\WP:LUK3*HJX\PYLKI` Chicago. Surge received a M.P.P degree from the Harris ;YHUZOH[>VYRZ -HUUPL4HL»ZHU[PWYLKH[VY`SLUKPUNN\PKLSPULZHJYVZZ HUK>OH[*V\U[Z-YVT [OYV\NOZOL^HZ HSSI\ZPULZZJOHUULSZHUKLUZ\YPUNJVTWSPHUJL^P[O [OL+PYLJ[VYVM[OL6MÄJLVM;OYPM[:\WLY]PZPVUHUK MHPYSLUKPUNHUKYLSH[LKSH^Z-YVT [V MYVT [V ZOL^HZ:WLJPHS(ZZPZ[HU[[V[OL 1VUZLY]LKHZH[YPHSH[[VYUL`HUKKLW\[`JOPLMPU[OL 7YLZPKLU[MVY,JVUVTPJ7VSPJ`:OLZLY]LZVU[OLIVHYKZ /V\ZPUN:LJ[PVU^OLYLOPZYLZWVUZPIPSP[PLZPUJS\KLK VMZL]LYHSJVTT\UP[`KL]LSVWTLU[ÄUHUJPHSPUZ[P[\[PVUZ KL]LSVWPUNMHPYSLUKPUNJHZLZ^P[OHMVJ\ZVUWYLKH[VY` HUKPZHMV\UKLYVM[OL*LU[LYMVY-PUHUJPHS:LY]PJLZ SLUKPUNYL]LYZLYLKSPUPUNHUKYLKSPUPUN1VUKL]LSVWLK 0UUV]H[PVU:LPKTHUYLJLP]LKOLY4)(PU-PUHUJL OPZWHZZPVUMVYÄNO[PUNOV\ZPUNKPZJYPTPUH[PVUHZH[YPHS HUK0U]LZ[TLU[ZMYVT.LVYNL>HZOPUN[VU

68 State University, and a PhD from Indiana University. Vince Siciliano :OL^HZHSZVVU[OL)VHYKVM+PYLJ[VYZMVY*VTT\UP[` President and CEO -VYRSPM[HI\PSKPUNTH[LYPHSZYL\ZLYL[HPSLZ[HISPZOTLU[ New Resource Bank HUKUV^PZVU[OL)VHYKVM+PYLJ[VYZMVY5LPNOIVYOVVK 7YLZPKLU[HUK*,6=PUJL:PJPSPHUVSLHKZ5L^ -HYT0UP[PH[P]LHUVUWYVÄ[PUJYLHZPUNVWWVY[\UP[PLZMVY Resource Bank in serving values-driven companies and HK\S[YLZPKLU[ZVM[OL+PZ[YPJ[VM*VS\TIPH[VNYV^MVVK VYNHUPaH[PVUZ^VYRPUN[VHJOPL]L^LSSILPUNMVYV\Y and participate in the diverse communities that thrive in JVTT\UP[`HUK[OLWSHUL[;OLIHURZLLRZ[V[YHUZMVYT ZOHYLK\YIHUNHYKLUPUNZWHJLZ [OLIHURPUNPUK\Z[Y`PU[VHUHNLU[VMWVZP[P]LZVJPHS LU]PYVUTLU[HSHUKÄUHUJPHSJOHUNL/LHKX\HY[LYLK Shira Shavit. MD PU:HU-YHUJPZJV[OLIHURPZKLKPJH[LK[VHK]HUJPUN Executive Director Z\Z[HPUHIPSP[`[OYV\NOL]LY`HZWLJ[VMP[ZVWLYH[PVUZMYVT Transitions Clinic Network the loans it makes to its commitment to using deposits Shira Shavit, MD, is an Associate Clinical Professor of MVYNVVK(ZHMV\UKPUNTLTILYVM[OL.SVIHS(SSPHUJL -HTPS`4LKPJPULH[[OLHZOPUN[VU+*[OL2LU)SHUJOHYK*LU[LY :OLKPYLJ[Z[OL;*5HUH[PVUHSUL[^VYRVMJVTT\UP[` MVY-HP[O>HSR3LHKLYZOPW[OL:\Z[HPUHISL(JJV\U[PUN JSPUPJZÔPJOWYV]PKLJHYL[VWLVWSL^P[OJOYVUPJOLHS[O :[HUKHYKZ)VHYKHUK[OL9LNLULYH[PVU7YVQLJ[ JVUKP[PVUZÔVHYLYL[\YUPUNMYVTPUJHYJLYH[PVU;OL /LILNHUOPZIHURPUNJHYLLYPU)HURVM(TLYPJH»Z ;*5[YHPUZHUKLTWSV`ZWLVWSL^P[OHOPZ[VY`VMPUJHY- International Division and has previously served as JLYH[PVUHZJVTT\UP[ÒLHS[O^VYRLYZJYLH[PUNVWWVY- WYLZPKLU[VY*,6[VHU\TILYVM:HU+PLNVÄUHUJPHS tunities for former prisoners to leverage their experience institutions. Siciliano is a graduate of Stanford University [V^HYKHJHYLLYPU[OLOLHS[OJHYL;OL;*5YLJLP]LK[OL and earned a master’s degree in environmental planning *LU[LYZMVY4LKPJHYL 4LKPJHPK0UUV]H[PVUZ(^HYKPU from the University of California at Berkeley. 2012 and it has implemented programs in 15 community clinics in 7 states and Puerto Rico. Dr. Shavit locally Daniel Skaff KPYLJ[Z[OL;YHUZP[PVUZ*SPUPJWYVNYHTPU:HU-YHUJPZJV»Z 7YLZPKLU[HUK*V*OPLM,_LJ\[P]L6MÄJLY )H`]PL^/\U[LY»Z7VPU[ULPNOIVYOVVKHUK[OL+PZJOHYNL )LULÄJPHS:[H[L)HUR 7SHUUPUNJSPUPJH[:HU8\LU[PU:[H[L7YPZVU+Y:OH]P[ Daniel L. Skaff is President and co-Chief Executive has also provided technical assistance to over 25 com- 6MÄJLYVM)LULÄJPHS:[H[L)HURHUK=PJL*OHPYTHU munities nationally to improve health outcomes, cut VM)LULÄJPHS:[H[L)HUJVYWH[YPWSLIV[[VTSPUL health care costs, and support healthy integration of in- IHURPUNVYNHUPaH[PVUKLKPJH[LK[VI\PSKPUNWYVZWLYP[` dividuals returning home from prison. She received the PUSVJHSJVTT\UP[PLZ^P[OHMVJ\ZVUZVJPHSQ\Z[PJL 9VILY[>VVK1VOUZVU*VTT\UP[`/LHS[O3LHKLY(^HYK LU]PYVUTLU[HSYLZPSPLUJLHUKLJVUVTPJZ\Z[HPUHIPSP[` in 2010. Dr. Shavit received her BA from Washington Dan is also co-founder and Managing Partner of Eagle University in St. Louis, completed her MD at Rush Uni- Cliff Partners, an early stage venture fund investing in ]LYZP[`PU*OPJHNVHUKKPKYLZPKLUJ`[YHPUPUNH[<*:- good food, good money and good energy. In addition [VOPZYLZWVUZPIPSP[PLZH[)LULÄJPHS:[H[LHUK,HNSL Lisa Shepard *SPMM+HUZLY]LZHZH;Y\Z[LLVM[OL3H[PUV*VTT\UP[` Examiner -V\UKH[PVUVU[OL)VHYKVM[OL)H`(YLH*V\UJPSHUK Federal Reserve Bank of Boston ^HZYLJLU[S`HWWVPU[LK[V[OL-LKLYHS9LZLY]L)HUR 3PZH:OLWHYKPZHJVTTPZZPVULK,_HTPULY^P[O[OL VM:HU-YHUJPZJV»Z*VTT\UP[`+LWVZP[VY`0UZ[P[\[PVUZ -LKLYHS9LZLY]L)HURVM)VZ[VU0U[OPZYVSL3PZH Advisory Council. He is past Chairman of the Investment YLZWVUZPISLMVYL_LJ\[PUNYPZRMVJ\ZLKJVUZ\TLY *VTTP[[LLH[[OL4HYPU*VTT\UP[`-V\UKH[PVUHUK JVTWSPHUJLHUK*9(L_HTPUH[PVUZVMHWWSPJHISL :LUPVY(K]PZVY[V-HPY]PL^*HWP[HS»Z+HYSPUN[VU7HY[ULYZ JVTT\UP[ÌHURPUNVYNHUPaH[PVUZ+\YPUNOLY W\ISPJLX\P[PLZM\UK7YPVY[V)LULÄJPHS:[H[L+HU^HZ [PTLH[[OL)VZ[VU-LK4Z:OLWHYKOHZHSZVOHK 4HUHNPUN7HY[ULYVM:PLUUH=LU[\YLZHUWYP]H[LLX\P[` [OLVWWVY[\UP[`[V^VYR^P[O[OL9LNPVUHSHUK ÄYTPU]LZ[PUNPULTLYNPUNJVUZ\TLYYL[HPSTVIPSL Community Outreach Department and support JVTT\UPJH[PVUZHUKÄUHUJPHSZLY]PJLZJVTWHUPLZ+HU their efforts in promoting community and economic YLJLP]LKHIHJOLSVY»ZKLNYLL^P[OOVUVYZMYVT/HY]HYK KL]LSVWTLU[7YPVY[VQVPUPUN[OL-LKLYHS9LZLY]L4Z University, and an MBA from the Wharton School at the :OLWHYK^VYRLKHZH:\WLY]PZVY`,_HTPULY^P[O[OL OHY[VU 4HZZHJO\ZL[[Z+P]PZPVUVM)HURZÔLYLZOLL_JS\ZP]LS` -LSSV^HUKZLY]LZHZHN\LZ[ZWLHRLYPU>OHY[VU»Z JVUK\J[LK*9(HUK-HPY3LUKPUN,_HTPUH[PVUZ Leadership in the Business World Program.

69 Peter Skillern ^VYRPUN[V[YHUZMVYTOLHS[OV\[JVTLZPU\UKLYZLY]LK Executive Director JVTT\UP[PLZI`LTIVSKLUPUNYLZPKLU[Z[V[HRLJVU[YVS Reinvestment Partners of policies that affect them. Recognizing that health Reinvestment Partners mission is to advocate for KPZWHYP[PLZHYLJYLH[LKÔLUJVTT\UP[PLZHYLHIZLU[ LJVUVTPJQ\Z[PJLHUKVWWVY[\UP[Ì`^VYRPUN^P[O MYVT[OLKLJPZPVUTHRPUN[HISL:VSxZOHZMVJ\ZLK WLVWSLWSHJLZHUKWVSPJ`;OLVYNHUPaH[PVULTWSV`Z her career on energizing youth, including immigrants a variety of strategies including direct client services, HUKLTWV^LYPUN^VTLU:VSxZZWLHYOLHKLK[OL residential and commercial redevelopment, and ,UKV^TLU[»ZZ[*LU[\Y`7H[O^H`Z[V/LHS[O*HYLLYZ YLZLHYJOHUKHK]VJHJ`7L[LY:RPSSLYUOHZILLU,_LJ\[P]L initiative, aiming to diversify California’s health care Director since 1999. He previously served as Executive ^VYRMVYJL[OYV\NOWYVNYHTZ[OH[JYLH[LJHYLLYWH[O^H`Z +PYLJ[VYVM[OL+\YOHT(MMVYKHISL/V\ZPUN*VHSP[PVU for youth in grades 7-16. She has also spearhead the Skillern graduated from the University of California at Z[YH[LN`VUNPYSZHUK^VTLUVMJVSVY[OH[HKKYLZZLZ[OL :HU[H*Y\a^P[OOPNOLZ[OVUVYZPU*VTT\UP[`:[\KPLZ WV^LYPULX\P[PLZVM^VTLUHUKNPYSZPUSLHKLYZOPW0U and earned his Masters of City and Regional Planning HKKP[PVU:VSxZJVSLHKZ[OL,UKV^TLU[»Z /LHS[O(SS from the University of North Carolina at Chapel Hill. campaign to expand access to health coverage and :RPSSLYUPZHSPJLUZLKYLHSLZ[H[LIYVRLYHUKNLULYHS JHYL[VHSS*HSPMVYUPHUZ·YLNHYKSLZZVMPTTPNYH[PVU contractor. He has appeared in more than 250 media Z[H[\Z/LY^VYROHZOLSWLK\UKVJ\TLU[LKJOPSKYLU V\[SL[ZPUJS\KPUN[OL5@;PTLZ3(;PTLZHUK579/L throughout the state gain access to the care they need. OHZ[LZ[PÄLKILMVYL*VUNYLZZVUÄUHUJPHSYLMVYTPZZ\LZ :VSxZOHZH\[OVYLKU\TLYV\ZHY[PJSLZIVVRZ[LJOUPJHS on four occasions. Under his leadership Reinvestment YLWVY[ZHUKWVSPJÌYPLMZVUH]HYPL[ÒLHS[OHUKOLHS[O 7HY[ULYZOHZ^VUH^HYKZMYVT[OL5H[PVUHS-HPY/V\ZPUN related issues. Solís received her master’s and doctorate Alliance, the National Community Reinvestment PU7\ISPJ/LHS[OMYVT<*3(»Z:JOVVSVM7\ISPJ/LHS[O *VHSP[PVU[OL5H[PVUHS(ZZVJPH[PVUVM9,(3;69ZHZ^LSS as state and local honors. Skillern is a North Carolina Michael Spotts >PSSPHT-YPKH`-LSSV^MVY/\THU9LSH[PVUZHUKHU Senior Analyst, Project Manager ,PZLUOV^LY-LSSV^MVY0U[LYUH[PVUHS9LSH[PVUZ Enterprise Community Partners, Inc. 4PJOHLS:WV[[ZPZHZLUPVYHUHS`Z[HUKWYVQLJ[THUHNLY Leigh Ann Smith MVY,U[LYWYPZL*VTT\UP[`7HY[ULYZ/LQVPULK[OL7\ISPJ Senior Vice President Policy team in 2009. In his position at Enterprise, he Bank of America Merrill Lynch JVUK\J[ZYLZLHYJOHUKHUHS`ZPZVMHMMVYKHISLOV\ZPUN 3LPNO(UU:TP[OPZH:LUPVY=PJL7YLZPKLU[HUK,X\P[` and community development policies, and manages 4HUHNLY^P[O)HURVM(TLYPJH4LYYPSS3ÙJO:OL Enterprise’s federal transit-oriented development policy THUHNLZ[OLIHUR»ZUH[PVUHSPU]LZ[TLU[VYPNPUH[PVU HJ[P]P[PLZ/LZLY]LZHZHTLTILYVM[OLIVHYKVM WSH[MVYTMVY/PZ[VYPJ5L^4HYRL[ZHUK:VSHY;H_ KPYLJ[VYZMVY[OL(YSPUN[VU=H7HY[ULYZOPWMVY(MMVYKHISL *YLKP[ZHZ^LSSHZP[ZPUKPYLJ[3V^0UJVTL/V\ZPUN /V\ZPUNHUKHTLTILYVM[OL(YSPUN[VU*V\U[` ;H_*YLKP[0U]LZ[TLU[Z[OYV\NOZÙKPJH[VYWHY[ULYZ0U Community Development Citizen’s Advisory Committee. [OPZYVSL3LPNO(UUSLHKZH[LHTVMLX\P[`VYPNPUH[VYZ -YVT¶4PJOHLSZLY]LKHZ]PJLJOHPYVM[OL YLZWVUZPISLMVYZ[Y\J[\YPUNHUKJSVZPUN[H_JYLKP[LX\P[` (YSPUN[VU»Z(MMVYKHISL/V\ZPUN:[\K`^VYRPUNNYV\W PU]LZ[TLU[ZPUWYVQLJ[ZHJYVZZ[OLJV\U[Y`7YPVY[V ÔPJOHZZPZ[LKPUKL]LSVWPUN[OLJV\U[`»Z(MMVYKHISL TV]PUN[V[OLLX\P[`ZPKLVM[OLI\ZPULZZZOL^VYRLK /V\ZPUN4HZ[LY7SHUHUK0TWSLTLU[H[PVU-YHTL^VYR HZHU\UKLY^YP[LYPU)HURVM(TLYPJH»Z*VTT\UP[` 7YPVYL_WLYPLUJLPU[OLJVTT\UP[`KL]LSVWTLU[ÄLSK Development and Commercial Real Estate Lending PUJS\KLZ^VYR^P[O[OL/V\ZPUN(ZZPZ[HUJL*V\UJPS NYV\WZ3LPNO(UUOHZH))(^P[OOPNOOVUVYZMYVT :\Z[HPUHISL7P[[ZI\YNO(SSLNOLU`*V\U[`7H,JVUVTPJ Emory University and an MBA from Duke University’s Development, and the Rural Local Initiatives Support -\X\H:JOVVSVM)\ZPULZZ:OLZLY]LZVU[OLIVHYKVM Corporation. Michael received a Master of Science in Crisis Assistance Ministries. 7\ISPJ7VSPJ`HUK4HUHNLTLU[MYVT[OL/LPUa*VSSLNL at Carnegie Mellon University. He graduated Summa Beatriz Solís Cum Laude from Dickinson College in 2006, and YLJLP]LKH7VZ[)HJJHSH\YLH[L*LY[PÄJH[LPU*VTT\UP[` Director of Building Healthy Communities South and Economic Development from the Pennsylvania State The California Endowment University in 2008. +Y)LH[YPa4HYPH:VSxZPZSLHKPUNLMMVY[ZI`[OL Building Healthy Communities initiative to ensure that California’s health policy is inclusive of residents regardless of race, gender and immigration status. As the director of Healthy Communities, South Region, Solís is

70 Theresa Stark and Massachusetts Housing Investment Corporation Senior Project Manager on metrics, structuring and capitalization for the Board of Governors of the Federal Reserve System /LHS[O`5LPNOIVYOVVKZ,X\P[`-\UKH TPSSPVU ;OLYLZHPZJ\YYLU[S`H:LUPVY7YVQLJ[4HUHNLYPU[OL WYP]H[LLX\P[`YLHSLZ[H[LM\UK(Z[OLWHZ[,_LJ\[P]L Division of Consumer and Community Affairs at +PYLJ[VYVM.YV\UK^VYR3H^YLUJLZOLOLSWLKSLHK[OL [OL-LKLYHS9LZLY]L)VHYKPU>HZOPUN[VU+*:OL VYNHUPaH[PVU»ZNYV^[OMYVTHZTHSSZ[HY[\W[VHKÙHTPJ WHY[PJPWH[LZPU[OLPU[LYHNLUJ`PUP[PH[P]L[VYL]PL^[OL Z[H[L^PKLHUKUH[PVUHSTVKLSMVYW\ISPJWYP]H[L regulations and policies implementing the Community partnership. Maggie earned her master’s degree in City 9LPU]LZ[TLU[(J[*9(HUKWYVWVZLJOHUNLZ[OH[ 7SHUUPUNH[[OL4HZZHJO\ZL[[Z0UZ[P[\[LVM;LJOUVSVN` ^V\SKIL[[LYHSPNU*9(^P[OJ\YYLU[IHURPUNWYHJ[PJLZ ÔLYLZOL^HZ[OLYLJPWPLU[VM[OL>HSSHJL-SV`K(^HYK ;OLYLZHHZHWYVQLJ[THUHNLY^P[O[OL6MÄJLVM;OYPM[ MVY*P[`+LZPNUHUK+L]LSVWTLU[HUK[OL40;+<:7 :\WLY]PZPVU^HZWHY[VM[OLPU[LYHNLUJ`[LHT[OH[ ,_JLSSLUJLPU7\ISPJ:LY]PJL(^HYK:OLPZH;Y\THU developed the current CRA regulations in 1995. Prior :JOVSHYHUKYLJLP]LKOLY4HZ[LY»ZKLNYLLPUVVK1VOUZVU-V\UKH[PVU»Z *V\U[`/LHS[O9HURPUNZ:JPLU[PÄJ(K]PZVY`.YV\WHUK Executive Director HWHZ[)VHYK*OHPYVM.YV\UK^VYR<:( California Tax Credit Allocation Committee Mark Stivers is the Executive Director of the California Kat Superfisky ;H_*YLKP[(SSVJH[PVU*VTTP[[LL;*(*ÔPJO Project Coordinator facilitates the investment of private capital into the Grown in LA KL]LSVWTLU[VMHMMVYKHISLYLU[HSOV\ZPUN[OYV\NO[OL 3V^0UJVTL/V\ZPUN;H_*YLKP[7YVNYHT7YPVY[V 2H[:\WLYÄZR`PZHKLZPNULYLK\JH[VYHUK\YIHU QVPUPUN;*(*PU1HU\HY`VM4Y:[P]LYZZLY]LK[OL LJVSVNPZ[ÔVKL]V[LZOLYKH`ZUPNO[ZHUKKYLHTZ[V California Legislature for 18 years, including 16 years as [YHUZMVYTPUN\YIHUHYLHZPU[VTVYLPUOHIP[HISLWSHJLZ [OLSLHKOV\ZPUNZ[HMMLYMVY[OL:LUH[L4Y:[P]LYZILNHU (M[LYVI[HPUPUNH4HZ[LYVM3HUKZJHWL(YJOP[LJ[\YL OPZJHYLLYHZHMHPYOV\ZPUNJV\UZLSVY^P[O[^VUVU 4HZ[LYVM:JPLUJLPU*VUZLY]H[PVU,JVSVN`HUK;LHJOPUN WYVÄ[HNLUJPLZPU[OL)H`(YLH *LY[PÄJH[LMYVT[OL

71 Affairs at the Department of the Interior and served Jennifer Tescher MYVT [V /LYL[\YULK[V>HZOPUN[VU^P[O[OL President and CEO LSLJ[PVUVM7YLZPKLU[.LVYNL)\ZOPUHUKPU Center for Financial Services Innovation ^HZUVTPUH[LKHUKJVUÄYTLKI`[OL:LUH[L[VZLY]LHZ 1LUUPMLY;LZJOLYPZ[OL-V\UKLY7YLZPKLU[HUK*,6VM HWYLZPKLU[PHSHWWVPU[LL[V[OLVMÄJLVM:WLJPHS;Y\Z[LL [OL*LU[LYMVY-PUHUJPHS:LY]PJLZ0UUV]H[PVU*-:0*-:0 MVY(TLYPJHU0UKPHUZ[OYV\NO 9VZZOHZILLU PZ[OLH\[OVYP[`VUJVUZ\TLYÄUHUJPHSOLHS[OSLHKPUN WHY[VÛLYVM[^VZTHSSIHURZHUKZLY]LKHZWYLZPKLU[ HUL[^VYRVMJVTTP[[LKÄUHUJPHSZLY]PJLZPUUV]H[VYZ VM-PYZ[5H[PVUHS)HURVM;HOSLX\HO62HUK)HURVM [VI\PSKIL[[LYJVUZ\TLYWYVK\J[ZHUKWYHJ[PJLZ *OLYVRLL*V\U[`/\SILY[62/LJ\YYLU[S`ZLY]LZVU As an entrepreneur, innovator and forceful voice for [OL)VHYKZVM;\SZHHZOPUN[VU+*HUK[OL-PYZ[5H[PVUHS)HUR ;Y\Z[ Z\JJLZZI\ZPULZZJHUILHMVYJLMVYNVVKPU[OLSP]LZVM VM:OHÛLL62H[YPIHSVÛLKIHURVM[OL*P[PaLUZ consumers, communities and the economy. )HUK7V[[H^H[VTP5H[PVU/LHUKOPZ^PML4HYNHYL[ ZWSP[[OLPY[PTLIL[^LLU;\SZH62HUK>HZOPUN[VU+* Va-Megn Thoj Ross is a registered investment advisor and currently is HWHY[ULY^P[O5H[P]L(TLYPJHU-\UK(K]PZVYZ33*HU Executive Director PU]LZ[TLU[HK]PZPUNÄYT[OH[^VYRZ^P[OZL]LYHS0UKPHU Asian Economic Development Association 5H[PVUZHUKI\ZPULZZLZVU[OLPYÄUHUJPHSTHUHNLTLU[ =H4LNU;OVQPZ[OLMV\UKLYHUKL_LJ\[P]LKPYLJ[VYVM YLX\PYLTLU[Z the Asian Economic Development Association in Saint 7H\S4PUULZV[HÔVZLTPZZPVUPZ[VPUJYLHZLLJVUVTPJ Laurel Sykes VWWVY[\UP[PLZMVY(ZPHU(TLYPJHUZ/LOHZV]LYÄM[LLU :LUPVY=PJL7YLZPKLU[*OPLM9PZR6MÄJLY `LHYZVML_WLYPLUJLPUUVUWYVÄ[THUHNLTLU[ZTHSS HUK*9(6MÄJLY I\ZPULZZTHUHNLTLU[HUKJVTT\UP[`KL]LSVWTLU[ Montecito Bank & Trust =H4LNUPZHSLHKPUN]VPJLMVYLX\P[HISLKL]LSVWTLU[ LJVUVTPJPUJS\ZPVUYHJPHSLX\P[`MVY(ZPHU(TLYPJHUZ 3H\YLS:`RLZPZ:LUPVY=PJL7YLZPKLU[HUK*OPLM9PZR PU[OL;^PU*P[PLZ>VYRPUN^P[O[OL;^PU*P[PLZ 6MÄJLYVM4VU[LJP[V)HUR ;Y\Z[4Z:`RLZ»JHYLLY :V\[OLHZ[(ZPHUJVTT\UP[PLZ=H4LNUOHZKL]LSVWLK PUJS\KLZ`LHYZVML_WLYPLUJLPUÄUHUJPHSZLY]PJLZHUK an array of mutually-reinforcing, cross-sector strategies YPZRTHUHNLTLU[(M[LYHIYPLMZ[PU[H[>LSSZ-HYNV)HUR [VZ\WWVY[QVIJYLH[PVUHUKHZZL[KL]LSVWTLU[/PZ PU ZOLQVPULK:HU[H)HYIHYH)HUR ;Y\Z[ÔPJO PUP[PH[P]LZPUJS\KLZTHSSI\ZPULZZKL]LSVWTLU[ZLY]PJLZ SH[LYILJHTL7HJPÄJ*HWP[HS)HUR5(ÔPSLH[[LUKPUN creative placemaking, physical revitalization, advocacy, [OLLZ[SHRL=PSSHNL [LHTH[[OLIHURHUKHSZVOHZZLY]LKHZ(ZZVJPH[L *HSPMVYUPH0UOLYWVZP[PVU^P[O4VU[LJP[V)HUR ;Y\Z[ .LULYHS*V\UZLSPU[OLPUOV\ZL3LNHS+LWHY[TLU[ ZOLPZYLZWVUZPISLMVYJVUZ\TLYJVTWSPHUJLWVSPJ` ;YV[[LYQVPULK0),90()(52PU HZH:[HMM([[VYUL` HKTPUPZ[YH[PVU):(6-(*(43JVTWSPHUJLHUK ;YV[[LYNYHK\H[LKJ\TSH\KLHUK7OP)L[H2HWWHMYVT enterprise risk management. She is also the Bank’s CRA ;\SHUL

72 and Lafayette Bar Associations and currently sits on the Juan Valles Community Reinvestment Committee of the Consumer Donation Center Manager Bankers Association, the Community Development Working Wardrobes and U.S. Marine Corps (retired) (K]PZVY`*V\UJPSVM[OL-LKLYHS9LZLY]L)HURVM:[ 1\HU=HSSLZOVSKZ[OLWVZP[PVUVM+VUH[PVU*LU[LY 3V\PZ[OL)VHYKVM+PYLJ[VYZVM[OLVYRPUN>HYKYVILZHU6YHUNL*V\U[` VM.YLH[LY5L^6YSLHUZ[OL)VHYKVM+PYLJ[VYZVM IHZLKUVUWYVÄ[VYNHUPaH[PVU[OH[OLSWZIYPUN[OL 3HMH`L[[L/HIP[H[-VY/\THUP[`HUK[OL(K]PZVY`)VHYK KPNUP[`VM^VYR[V^VTLUTLU`V\UNHK\S[ZHUK VM([SHU[H5LPNOIVYOVVK+L]LSVWTLU[7HY[ULYZOPW0UJ ]L[LYHUZV]LYJVTPUNKPMÄJ\S[JOHSSLUNLZ0U[OPZYVSL 1\HUTHUHNLZ[OLKHPS`VWLYH[PVUZVM[OLUVUWYVÄ[»Z Scott Turner KVUH[PVUJLU[LYÔPJOZ\WWVY[Z[OLZLY]PJLZWYV]PKLK Vice President, Community Engagement to over 5,000 individuals every year and plays integral Federal Reserve Bank of San Francisco YVSLPU[OLSVNPZ[PJHSZ\WWVY[VMZP_YL[HPSZ[VYLZWV^LYPUN :JV[[;\YULYPZ=PJL7YLZPKLU[HUKV]LYZLLZ[OL >VYRPUN>HYKYVILZ0UHKKP[PVU[VOPZYLZWVUZPIPSP[PLZ *VTT\UP[`,UNHNLTLU[.YV\WPU[OL-LKLYHS9LZLY]L 1\HUZLY]LZHZHUHK]PZVY[V[OL=,;5,;ÔLUKLHSPUN )HURVM:HU-YHUJPZJVÔPJOPUJS\KLZ[OL*VTT\UP[` ^P[OTH[[LYZYLSH[LK[VTPSP[HY`ZLY]PJLTLTILYZ1\HU Development, Economic Education and Outreach, and ZWLU[`LHYZPU[OL[YHUZWVY[H[PVUÄLSKHUKHZH *VTT\UP[`7LYZWLJ[P]LZ+LWHY[TLU[Z:JV[[QVPULK[OL logistician in the Marine Corps. )HURPU^P[OKP]LYZLL_WLYPLUJLPUHYLHZZ\JOHZ T\UPJPWHSHUKPU[LYUH[PVUHSÄUHUJLOV\ZPUNWVSPJ` Diana Vaquera and research, and sovereign risk assessment. A Seattle Senior Compliance Examiner UH[P]L:JV[[ZWLU[TVZ[VMOPZWYVMLZZPVUHSSPMLPU5L^ Federal Deposit Insurance Corporation @VYR*P[`KP]PKLKLX\HSSÌL[^LLU[OLW\ISPJHUK +PHUH=HX\LYHPZH:LUPVY*VTWSPHUJL,_HTPULYMVY[OL WYP]H[LZLJ[VYZ/PZW\ISPJZLJ[VYL_WLYPLUJLPUJS\KLZ -+0*»Z+P]PZPVUVM+LWVZP[VYHUK*VUZ\TLY7YV[LJ[PVU WVZP[PVUZHZ+PYLJ[VYVM9LZLHYJOPU5L^@VYR*P[`»Z :OLPZIHZLKV\[VM[OL(\Z[PU;L_HZ-PLSK6MÄJLHUK -PUHUJL+LWHY[TLU[HUK+LW\[`*VTTPZZPVULYMVY conducts Compliance and Community Reinvestment Policy in the City’s Department of Housing Preservation (J[L_HTPUH[PVUZVMZ[H[LJOHY[LYLKUVUTLTILYIHURZ HUK+L]LSVWTLU[/PZWYP]H[LZLJ[VYWVZP[PVUZ^LYL SVJH[LKPU*LU[YHSHUK:V\[O;L_HZ4Z=HX\LYHILNHU :LUPVY(UHS`Z[PU[OL0U[LYUH[PVUHS-PUHUJL+LWHY[TLU[ OLYJHYLLY^P[O[OL-+0*PU HZHU(ZZPZ[HU[)HUR at Standard & Poor’s and Executive Director of the Examiner for the Division of Supervision. As a Senior :V]LYLPNU9PZR.YV\WH[4VYNHU:[HUSL`:JV[[OHZH *VTWSPHUJL,_HTPULYZOLOHZZPNUPÄJHU[L_WLYPLUJL 4HZ[LYVM7\ISPJ7VSPJ`KLNYLLMYVT<*)LYRLSL` L_HTPUPUNSHYNLJVTWSL_HUKWYVISLTPUZ[P[\[PVUZ:OL has served in various capacities throughout her career Joe Valenti PUJS\KPUN(J[PUN9L]PL^,_HTPULY(J[PUN:\WLY]PZVY` Director, Consumer Finance ,_HTPULYHUK(J[PUN-HPY3LUKPUN:WLJPHSPZ[4Z Center for American Progress =HX\LYHPZHUL_WLYPLUJLK[YHPULYJ\YYLU[S`ZLY]PUNHZ 1VL=HSLU[PPZ[OL+PYLJ[VYVM*VUZ\TLY-PUHUJLH[[OL HJVHJOHUK-HPY3LUKPUN:\IQLJ[4H[[LY,_WLY[PU[OL *LU[LYMVY(TLYPJHU7YVNYLZZ/PZ^VYRMVJ\ZLZVUPT- (\Z[PU/V\Z[VU;LYYP[VY`+PHUHOVSKZJVTTPZZPVUZ WYV]PUN[OLHIPSP[`VMSV^HUKTVKLYH[LPUJVTLJVU- PUIV[O*VTWSPHUJLHUK9PZR4HUHNLTLU[+PHUH Z\TLYZ[VWHY[PJPWH[LPU[OLÄUHUJPHSZLJ[VYHUK[VTHRL YLJLP]LKOLY)(KLNYLLPU-PUHUJLMYVT:[4HY`»Z [OLTVZ[VM[OLPYYLZV\YJLZ7YPVY[VQVPUPUN(TLYPJHU

73 YHUJHPZHZP_[LLU[PTLYLJPWPLU[VM[OL-LKLYHS,_LJ\[P]L Sasha Werblin )VHYK»Z7\ISPJ:LY]PJL,_JLSSLUJL(^HYKH[^V[PTLYL- Economic Equity Director JPWPLU[VM[OL09:»(YLH+PYLJ[VY»Z(^HYKHUKH[^V[PTL The Greenlining Institute YLJPWPLU[VM[OL-+0**OHPYTHU»Z(^HYKMVY,_JLSSLUJL :HZOH>LYISPUPZHU6HRSHUKUH[P]L^OVIYPUNZ 4Y=PSSHMYHUJHOVSKZH))(PU-PUHUJLMYVT;L_HZ;LJO L_[LUZP]LUVUWYVÄ[W\ISPJZLJ[VYHUKJHTWHPNU University, an MBA in Management from the University L_WLYPLUJL[V[OL,JVUVTPJ,X\P[`[LHT(Z,JVUVTPJ VM;L_HZHUKH1+MYVT;L_HZ>LZSL`HU:JOVVSVM3H^ ,X\P[`+PYLJ[VYZOL^VYRZ[VI\PSK^LHS[OHZZL[ZHUK ÄUHUJPHSZ\Z[HPUHIPSP[`PUJVTT\UP[PLZVMJVSVY:HZOH Thomas Vozzo PZHUHS\TVM.YLLUSPUPUN»ZSLHKLYZOPWHJHKLT`7YPVY *OPLM,_LJ\[P]L6MÄJLY [VYL[\YUPUN[V.YLLUSPUPUNZOLYHUH*VUNYLZZPVUHS Homeboy Industries YLLSLJ[PVUJHTWHPNU^VYRLKPU4VTIHZH2LU`HVU 0U;OVTHZ1=VaaVILJHTL[OLÄYZ[*,6VM HULJVUVTPJKL]LSVWTLU[PUP[PH[P]LHUKI\PS[JHWHJP[` /VTLIV`0UK\Z[YPLZ[OLSHYNLZ[ZVJPHSLU[LYWYPZLKLKP- MVYSVJHSUVUWYVÄ[ZHUKKPYLJ[LKVU[OLNYV\UK JH[LK[VOLSWPUNMVYTLYS`NHUNPU]VS]LKTLUHUK^VT- M\UKYHPZPUNHUKTVIPSPaH[PVUJHTWHPNUZMVYHUH[PVUHS LU[YHUZMVYT[OLPYSP]LZ[OYV\NOQVI[YHPUPUNHUKO\THU JVUZ\S[PUNÄYT:HZOHNYHK\H[LKMYVT:TP[O*VSSLNL ZLY]PJLZ=VaaV»ZNSVIHSI\ZPULZZL_WLY[PZLHUKWYV]LU ^P[OH)(PU:VJPVSVN`HUK7Z`JOVSVN` [YHJRYLJVYKVMSLHKPUNOPNOS`Z\JJLZZM\SI\ZPULZZLZPU [OLZLY]PJLYL[HPSHUKKPZ[YPI\[PVUPUK\Z[YPLZWYVTW[LK Dace West /VTLIV`0UK\Z[YPLZ»MV\UKLY-H[OLY.YLN)V`SL[VHZR Executive Director OPT[V[HRL[OLOLST(Z*,6VM/VTLIV`=VaaVHW- Mile High Connects WSPLZOPZI\ZPULZZHJ\TLU[VPUJYLHZPUNYL]LU\LZMVY Dace West is the Executive Director of Mile High [OLUVUWYVÄ[VYNHUPaH[PVU»ZZVJPHSLU[LYWYPZLZ¶PUJS\K- *VUULJ[ZHIYVHKIHZLKJVSSHIVYH[P]L^VYRPUN PUN/VTLIV`-VVKZJVT/VTLNPYS*HMt *H[LYPUN to ensure that the Metro Denver regional transit HUK:PSRZJYLLU ,TIYVPKLY`OPSLH[ IVHYKMVY;OL:HS]H[PVU(YT`:V\[OLYU*HSPMVYUPH+P]P- +6:7+HJL^HZPUZ[Y\TLU[HSPUJYLH[PUN[OL+LU]LY sion and has served on executive committees of a num- ;YHUZP[6YPLU[LK+L]LSVWTLU[-\UKHUHJX\PZP[PVUM\UK ILYVMPUK\Z[Y`YLSH[LKIVHYKZ/LOVSKZHIHJOLSVY»Z [VWYLZLY]LHMMVYKHISLOV\ZPUNULHY[YHUZP["JVVYKPUH[LK KLNYLLPUTH[OLTH[PJZMYVT[OLHNNVULYTHUHNLZ communities. WYVNYHTZJYLH[LZPUUV]H[P]LÄUHUJPHSZVS\[PVUZHUK directs investments from the state’s Central Coast to San Daphne Whistler Diego. In commercial real estate lending for more than Compliance Lead Expert `LHYZZOL^VYRLKHZHWYVQLJ[THUHNLY^P[O3VJHS 6MÄJLVM[OL*VTW[YVSSLYVM[OL*\YYLUJ` 0UP[PH[P]LZ:\WWVY[*VYWVYH[PVU\UKLY^YP[LYMVY(9*: Daphne Whistler has served as the Compliance Lead Commercial Mortgage and vice president for Com- Expert for Midsize Bank Supervision since 2004. In this T\UP[`3LUKPUN^P[O>LSSZ-HYNV)HURPU3VZ(UNLSLZ YVSLZOLWYV]PKLZHK]PJLHUKZ\WWVY[[VTPKZPaLIHUR ILMVYLQVPUPUN,U[LYWYPZLPU1HJX\LSPULLHYULKOLY supervision management and examiners on complex IHJOLSVY»ZKLNYLLPUZVJPVSVN`HUKTHZ[LY»ZKLNYLLPU and emerging issues in compliance risk and monitors \YIHUWSHUUPUNMYVT<*3(:OLJ\YYLU[S`ZLY]LZVU[OL HYLHZVMOPNOLZ[YPZR^P[OPU[OLTPKZPaLIHURWVY[MVSPV IVHYKVMKPYLJ[VYZVM[OL:V\[OLYU*HSPMVYUPH(ZZVJPH[PVU Daphne is a commissioned National Bank Examiner VM5VUWYVÄ[/V\ZPUN:*(57/

74 and has led and participated in a variety of compliance PSSPHTZ9LNPVUHS4HUHNLYMVY )HYY`>PKLZPZ[OL6MÄJLVM[OL*VTW[YVSSLYVM[OL *VTT\UP[`(MMHPYZPZH`LHY]L[LYHUVM[OL-+0* *\YYLUJ`»Z6**+LW\[`*VTW[YVSSLYMVY*VTT\UP[` ¶PUP[PHSS`QVPUPUN[OL*VYWVYH[PVUPU HZ[OLÄYZ[ (MMHPYZÔLYLOLSLHKZHKLWHY[TLU[VMJVTT\UP[` -HPY3LUKPUN:WLJPHSPZ[MVY[OL5L^@VYR9LNPVU4Z development professionals located in Washington, D.C., Williams has led the Community Affairs Program in HUK[OL6**KPZ[YPJ[Z;OL*VTT\UP[`(MMHPYZZ[HMMPZ [OL5L^@VYR9LNPVUZPUJL 7YPVY[VQVPUPUN YLZWVUZPISLMVYV\[YLHJO[VIHURZHUK[OLPYJVTT\UP[` [OL-+0*4Z>PSSPHTZZLY]LKHZ[OLL_LJ\[P]L partners, the development of policy, and the creation KPYLJ[VYVMHUH[PVUHSS`YLJVNUPaLKUV[MVYWYVÄ[ HUKKPZ[YPI\[PVUVMLK\JH[PVUHSTH[LYPHSZVUJVTT\UP[` VYNHUPaH[PVU[OH[WYVTV[LZHMMVYKHISLOV\ZPUNHUK KL]LSVWTLU[PZZ\LZ7YPVY[VQVPUPUN[OL6**PU JVTT\UP[`KL]LSVWTLU[PU\UKLYZLY]LK5L^@VYR*P[` 4Y>PKLZ^HZ+PYLJ[VYVM(MMVYKHISL/V\ZPUN ULPNOIVYOVVKZ4Z>PSSPHTZOHZHSZV^VYRLK^P[O :HSLZH[-YLKKPL4HJÔLYLOLSLKHUH[PVU^PKL [OL5L^@VYR*P[`6MÄJLVM4HUHNLTLU[HUK)\KNL[ ZHSLZ[LHTYLZWVUZPISLMVYKL]LSVWPUNWYVK\J[ZHUK 64)6MÄJLVM*VTT\UP[`)VHYK9LSH[PVUZ"[OL strategies to achieve the company’s congressionally 5L^@VYR*P[`+LWHY[TLU[VM-PUHUJL¶9LHS7YVWLY[` THUKH[LKHMMVYKHISLOV\ZPUNNVHSZ/LWYL]PV\ZS` ;H_(ZZLZZTLU[PKLZ the U.S. House of Representatives. Ms. Williams holds ILNHUOPZJHYLLYPU>HZOPUN[VU+*HZH7YLZPKLU[PHS a Master of Science degree in Community Economic 4HUHNLTLU[0U[LYUHUK)\KNL[,_HTPULYH[[OL6MÄJL +L]LSVWTLU[MYVT5L^/HTWZOPYL*VSSLNLHUKH VM4HUHNLTLU[HUK)\KNL[4Y>PKLZPZH*LY[PÄLK )HJOLSVYVM:JPLUJLKLNYLLMYVT4HUZÄLSKPSZVU^HZH Harbor One *V-V\UKLYVM*9*+HUKOHZZLY]LKHZ,_LJ\[P]L 4H\YLLU>PSRPUZVURUVÛ[VTVZ[HZ¸4V¹IYPUNZ Director since CRCD’s inception in 2005. He serves THU``LHYZVM]HS\HISLL_WLYPLUJL[VSLHK/HYIVY6UL as a liaison to the Board of Directors and Advisory <[OL)HUR»Z\UPX\LLK\JH[PVUWYVNYHTÔPJO Board, and oversees day-to-day operations, including helps foster community and economic development WLYZVUULSÄUHUJLWYVNYHTZM\UKKL]LSVWTLU[HUK throughout Southeastern Massachusetts. Prior to community relations. He supervises a management QVPUPUN/HYIVY6ULPU [OYV\NOHTLYNLY^P[O [LHTVMWLVWSL^P[OHJVTIPULK[V[HSVM`LHYZ 5H[PVUZ/LYP[HNL-LKLYHS*YLKP[PSRPUZVUOHZ^VYRLKPUÄUHUJPHS economic development. He has served as coordinator institution industry for 31 years in a variety of capacities of a federally-funded Weed & Seed program and a PUJS\KPUN7YLZPKLU[*,6VM>HYYLU-LKLYHS*YLKP[ locally-funded L.A. Bridges gang prevention program. `VTPUNHUK/L^SL[[7HJRHYK 7YPVY[VQVPUPUN*9*+4Y>PSZVU^VYRLKHZ[OL 9VJR`4V\U[HPU-LKLYHS*YLKP[PSRPUZVU^HZHSZV[OL Economic Development Corporation for 4 years. Mr. *OPLM-PUHUJPHS6MÄJLYVM1\Z[PJL-LKLYHS*YLKP[

75 *VUMLYLUJL4Y>PSZVUZ[\KPLKI\ZPULZZHKTPUPZ[YH[PVU IVHYKZPUJS\KPUN[OL7HJPÄJ0UZ[P[\[LMVY*VTT\UP[` HUKUVUWYVÄ[THUHNLTLU[H[*HSPMVYUPH:[H[LPUL`J\YYLU[S`ZLY]LZHZ[OLWYVQLJ[SLHK Managing Counsel, Fair Lending Enforcement Section, VU[OLL]HS\H[PVUVM-LKLYHS9LZLY]L)HURVM)VZ[VU»Z Division of Consumer and Community Affairs Working Cities Challenge and the evaluation of the Board of Governors of the Federal Reserve System )YVVRPUNZ0UZ[P[\[PVU»Z7YVQLJ[VU:[H[LHUK4\UPJPWHS 0UUV]H[PVU:OLWYL]PV\ZS`SLKL]HS\H[PVUZVMIV[O 4H\YLLU@HWPZ[OL4HUHNPUN*V\UZLSMVY[OL-HPY Boston’s SkillWorks Phase II and Workforce Solutions Lending Enforcement Section in the Division of *VSSHIVYH[P]LVM4L[YV/HY[MVYK+L]VUWSH`LKH *VUZ\TLYHUK*VTT\UP[`(MMHPYZH[[OL-LKLYHS leadership role on the national evaluation of Living 9LZLY]L)VHYKPU>HZOPUN[VU+*;OL-LKLYHS *P[PLZ»0U[LNYH[PVU0UP[PH[P]LÔLYLZOLJVUK\J[LK 9LZLY]LZ\WLY]PZLZV]LY Z[H[LTLTILYIHURZMVY RL`PUMVYTHU[PU[LY]PL^ZK\YPUNHUU\HSZP[L]PZP[ZHZ JVTWSPHUJL^P[OJVUZ\TLYWYV[LJ[PVUSH^Z;OL-HPY input to evaluative reports focusing on system change Lending Enforcement Section develops and implements YLZ\S[PUNMYVT[OLPUP[PH[P]L:OLYLJLU[S`JVU[YPI\[LK [OL-LKLYHS9LZLY]L»ZZ\WLY]PZPVUHUKLUMVYJLTLU[ [VHZPNUPÄJHU[SP[LYH[\YLYL]PL^HUKYLZLHYJOLMMVY[ WVSPJPLZ^P[OYLZWLJ[[VMHPYSLUKPUNSH^ZHUKHSZV VUILOHSMVM[OL9VILY[>VVK1VOUZVU-V\UKH[PVU provides legal and statistical expertise to ensure that fair +L]VUWYL]PV\ZS`^VYRLKH[4VUP[VY*VTWHU`H SLUKPUNSH^ZHYLLUMVYJLKJVUZPZ[LU[S`[OYV\NOV\[[OL NSVIHSZ[YH[LNPJTHUHNLTLU[JVUZ\S[PUNÄYTÔLYL -LKLYHS9LZLY]L:`Z[LT7YL]PV\ZS`4H\YLLU^VYRLK she consulted on operational and marketing strategies. PU[OLWYP]H[LZLJ[VYJV\UZLSPUNÄUHUJPHSPUZ[P[\[PVUZ Devon holds an M.B.A. from Harvard Business School VUJVTWSPHUJL^P[OH]HYPL[`VMMLKLYHSHUKZ[H[L and a B.A., magna cum laude, in Economics and JVUZ\TLYÄUHUJPHSWYV[LJ[PVUSH^ZHUKYLWYLZLU[PUN Political Science from Wellesley College. ÄUHUJPHSPUZ[P[\[PVUZPUMHPYSLUKPUNL_HTPUH[PVUZ HUKPU]LZ[PNH[PVUZJVUK\J[LKI`MLKLYHSHUKZ[H[L Jim Yacenda YLN\SH[VYZ4H\YLLUYLJLP]LKOLYSH^KLNYLLMYVT[OL .LVYNL[VÛVYRZ6YHUNL [VNL[OLY[OLYLNPVU»ZHMMVYKHISLOV\ZPUNÄUHUJL *V\U[`1PTOHZZLY]LKVU[OLHU\TILYVMUVUWYVÄ[ HUKKL]LSVWTLU[[YHUZWVY[H[PVUHUKTVIPSP[` LU]PYVUTLU[HSHUKW\ISPJOLHS[OZLJ[VYZHZ^LSSHZ

76 SVJHSHUKYLNPVUHSW\ISPJHNLUJPLZ/LOHZV]LYH Erich Yost decade of experience in community development in Los Management Analyst (Community Initiatives), (UNLSLZ/L^HZWYL]PV\ZS`[OL+PYLJ[VYVM7SHUUPUNH[ Community Liaison, Los Angeles Promise Zone [OL3;:**VTT\UP[`+L]LSVWTLU[*VYWVYH[PVUÔLYL U.S. Department of Housing and Urban Development, OLOLSWLK[VSH\UJO[OL:\Z[HPUHISL3P[[SL;VR`V*\S[\YHS 6MÄJLVM-PLSK7VSPJ`HUK4HUHNLTLU[ ,JV+PZ[YPJ[[OLÄYZ[ULPNOIVYOVVKZJHSLK,JV+PZ[YPJ[ 4Y@VZ[PZH4HUHNLTLU[(UHS`Z[*VTT\UP[` proposed in the City of Los Angeles. He has developed 0UP[PH[P]LZPU[OL6MÄJLVM-PLSK7VSPJ`HUK4HUHNLTLU[ V]LY\UP[ZVMHMMVYKHISLOV\ZPUNMVYSV^PUJVTL H[[OL<:+LWHY[TLU[VM/V\ZPUNHUKOP[L/V\ZL H4HZ[LYZPULSSZ-HYNV)HUR-PYZ[0U[LYZ[H[L OLSWLKSLHK*OPUH[VÛ*+*»ZHK]VJHJ`PUP[PH[P]LZ )HURHUK*\ZOTHU >HRLÄLSK4Y@VZ[YLJLP]LK 0TTLKPH[LS`WYPVY[VYLQVPUPUN[OLVYNHUPaH[PVUHZ his undergraduate degree in Economics/Business from +LW\[`+PYLJ[VYVM7YVNYHTZPU1\S`4HSJVST UCLA and his MBA from the Paul Merage School of ZLY]LKVUL`LHYHZ:HU-YHUJPZJV4H`VY,K^PU4 Management from UCI. Lee’s Senior Advisor on Housing and Land Use policy. During that time, Malcolm led the City in developing a WYVWVZHSMVYH:HU-YHUJPZJV/V\ZPUN;Y\Z[-\UK[VM\UK OV\ZPUNVWWVY[\UP[PLZMVYSV^HUKTVKLYH[LPUJVTL:HU -YHUJPZJHUZ4HSJVSTPZHNYHK\H[LVM[OL)LYRLSL` :JOVVSVM3H^HUKZWLU[Ä]L`LHYZWYHJ[PJPUN[LUHU[ HUKOV\ZPUNSH^H[[OL(ZPHU3H^*H\J\ZWSH`PUNH SLHKYVSLPUMVYTPUN*OPUH[VÛ»ZÄYZ[HMMVYKHISLOV\ZPUN cooperative.

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U.S. Department of the Treasury