The document discusses a panel on socially responsible collaboration and banking your values. It introduces the panel participants from organizations like OneCalifornia Bank, OneCalifornia Foundation, Inner City Advisors, and Imprint Capital Advisors. The panel discusses OneCalifornia Bank's innovative social business model and examples of collaborations between organizations to provide economic development, financial literacy, and impact investing that leverages capital for social goals.

1. SOCIALLY RESPONSIBLE COLLABORATION & BANKING YOUR VALUES OneCalifornia Bank OneCalifornia Foundation Inner City Advisors Imprint Capital Advisors

2. PANEL PARTICIPANTS Moderator: Salvador Menjivar, Executive Director, OneCalifornia Foundation Kat Taylor, Founder OneCalifornia Bank & OneCalifornia Foundation Jeff Cheung, President & CEO, OneCalifornia Bank Jose Corona, Executive Director, InnerCity Advisor Taylor Jordan, Co-Founder & Managing Director, Imprint Capital Advisors

3. CREATING AN INNOVATIVE SOCIAL BUSINESS IN A BANKING STRUCTURE Basis of OneCalifornia Bank OneCalifornia Bank Our Model..One of a few nationally chartered financially institutions Role of OneCalifornia Bank Innovative Role of OneCalifornia Foundation Examples of collaboration with Community Based Organizations for Economic Development & Financial Literacy

4. INNER CITY ADVISORS Inner City Advisors Focus on Inner City Businesses-Oakland Superior Business Advisory Services Hybrid Financing: New Model Co-lending Subordinated Debt Guaranty Equity Example of Collaboration & Innovation

5. IMPRINT CAPITAL ADVISORS Leveraging Capital for Social Impact & Social Return Directing Mission Related Investments to key on the ground level organizations Leading edge application of funds from programs, deposits to lending Working with OneCal & other partners to “strategically connect the dots”

6. HYBRID FINANCE MODEL-MOVING GRANTS, PRIS, MISSION RELATED DEPOSITS, EQUITY INTO THE COMMUNITIES Key Success Factor: Proper Feet on the Street to Execute Needs: Advisory Partners Financial Service Provider Deal Flow Crisp Execution Reporting: Output, Outcomes and Financial Impact

7. WHY More Effective Vehicles than PRIs (Program Related Investments) Mission-related Deposits Subordinated-Debt Lease Finance / Guaranties Equity Stakes Collaborative Consulting Services Need those on street who can source, underwrite and monitor these types of investments

8. “ CONNECTING THE DOTS: EXAMPLES” Foundations “lending” & Bank leveraging the lending Strategic Collaboration: Inner City Advisors sources a deal & provides consulting services to business owners OneCalBank underwrites lending needs & provides banking services Imprint Capital brokers “capital / participating loans” Team plans for Growth Trajectory Not giving control for expensive VC capital OneCal Foundation: Financial Education & Literacy

9. IMPLICATIONS Progressive Practices-But business discipline always That may mean collaboration and consolidation, especially for Non-Profits, who need to have business discipline too Investors need to insist on financial sustainability as well as social/environmental outcomes And they need to plan an exit Also, what is scale? Is it different for different strategies? Organic growth, large capital infusion, networks of like-minded entities, etc.

10. SOCIALLY RESPONSIBLE BANKING…BANKING YOUR VALUES.. JOIN THE MOVEMENT Working collaboratively How to Participate: “ Bank your values” Both personally & organizationally What do you get out of it Conscious Consumerism Don’t “Green Wash” Yourself Become part of the Change