Coming Home…a Rural Seminar in Visalia, CA

Housing & Community Development

Translating Lines of Business into Jobs

June 14, 2012

Rosa Rios Valdez, CEO Business and Community Lenders of Texas

www.bcloftexas.org

People Place Purpose

TECHNOLOGY

COMPETETIVE

ADVANTGAGE

STRATEGIC INNOVATION

COLLABORATIVE

PARTNERS

Guiding Principles: Achieve sustainability for the corporation through strategic innovation, competitiveness, using technology and collaboration.

www.bcloftexas.org

Since 1990, over 4,300 jobs

Business & Community Development

www.bcloftexas.org

Lending Creates Jobs

Purchase Rural Habitat Mortgage Portfolio– Wharton, Texas

• Population 8,832• 39.4% LatinoZero % Rehab Loans

-- Cuero, Texas• Population 6,841• 39.9% Latino

*2010 US Census, www.census.gov

Rural Housing Collaborative

www.bcloftexas.org

Job Retentions: Bank, BCL, Habitat =1.25 jobs

Innovation Creates Jobs

Tripple Bottom Line is also known as Corporate Social Responsibility ( Financial / Social / Environment) Texas E²

Innovation Financial Social Environment UPDATE

Energy Pricing (Smolen) Y Y YThe items listed here Sale of Bonds to Capitalize GREEN Fund Y Y Yare examples of Other Social Enterprise Y Y Y Salud Corp.how to expand our Texas E² (energy efficiency entrepreneurs/families) Y Y Y Prob. With Securing Capitalproduct mix for Equity Investments / convert loans to equity Y Y Yfuture sustainability Sears Home Store/Appliance Store Y Y Y

NP Back Offi ce Management Y Y Y

Diversification Financial Social EnvironmentAll items on these lists Business Plans Y Y Yrequire full discussion Market Studies Y Y Y

Credit Repair Y Y YSeveral other Items can be Loan Portfolio Management Y Y Y Secured 3 new Accounts

New Green Loans Y Y Y Piloted 4 commercial Green Loans Outcome will be incorporated Education.Go Get it - Y -into the 2015 business plan Business Valuations Y Y -

www.bcloftexas.org

Social Enterprise

Texas Grown & Bottled Olive Oil

www.bcloftexas.org

11 new jobs projected

Identify Partners & Develop Business Plan

Due Diligence & Forecasts

Risk Analysis & Capital Structure

Grow Asset Base Increase Competetiveness

ROI & Managed Growth

SALUD CORPORATION

Salud Corporation

Business Analysis

www.bcloftexas.org

Thank youcopy of this presentation will be made available upon request