2008 AHEAD Program Grant Recipients

Location	Member	Sponsor	Grant Amount
Phoenix, AZ	Alliance Bank of Arizona	Newtown Community Development Corporation	$25,000
Project Description: The sponsor will provide foreclosure prevention counseling and intervention services to homeowners with mortgages in default or at risk of default in the Phoenix Metro area. The grant will pay salary and other costs related to a housing counselor.

Location	Member	Sponsor	Grant Amount
Los Angeles, CA	Broadway Federal Bank	Raft, Inc.	$25,000
Project Description: The sponsor will expand the capacity of a vocational training program that prepares low- to moderate-income single mother heads of households and emancipated youth for entry-level positions as legal file clerks, jobs that pay a living wage and provide benefits. Expansion will also include developing a process for accessing local and state funding for training reimbursement. The grant will pay costs associated with training and build-out of the sponsor’s website to facilitate fundraising and job development.

Location	Member	Sponsor	Grant Amount
Orange County, CA	California Bank & Trust	Neighborhood Housing Services of Orange County	$25,000
Project Description: To stabilize at-risk neighborhoods, the sponsor will purchase, refurbish, and resell distressed, vacated, and boarded up foreclosed and REO homes to first-time homebuyers. The grant will fund operating costs.

Location	Member	Sponsor	Grant Amount
Sparks, NV	Charles Schwab Bank	Bethel Housing Development Corporation	$25,000
Project Description: The sponsor will build a single-story, five-bedroom, six-bath house with common living areas and an office. The house will provide affordable, supportive living space for five low-income seniors who can no longer live independently. The grant will pay predevelopment costs such as architectural and engineering fees.

Location	Member	Sponsor	Grant Amount
Oakland, CA	Charles Schwab Bank	East Bay Asian Local Development Corporation	$25,000
Project Description: The sponsor will establish two financial literacy programs, one focused on youth aged 9 to 18 and the other on adults, to help low-income individuals and families gain essential money-management skills.  The programs will provide training in financial goal-setting, budgeting, saving, and the responsible use of credit. The grant will pay start-up costs associated with implementing the programs.

Location	Member	Sponsor	Grant Amount
Sacramento, CA	Citibank, N.A.	California Coalition for Rural Housing	$25,000
Project Description: The sponsor is building a network of Individual Development Account programs serving residents of rural communities throughout California. The network will provide training, technical assistance, and operating capital, in the form of dollar-for-dollar matching grants, to assist non-profit housing development organizations that provide IDA programs in establishing, sustaining, and strengthening their programs. The grant will pay for the training and technical assistance the sponsor’s local partners need to design, implement, and market their IDA programs.

Location	Member	Sponsor	Grant Amount
Oakland, CA	Citibank, N.A.	The Unity Council	$25,000
Project Description: The project will create seventy living-wage jobs for low-income residents of Oakland by establishing a social enterprise sewing service to produce high-quality, quick turn-around samples for the fashion and home furnishing industry. A modular skills attainment curriculum will provide workers with access to higher-level industry opportunities. The grant will purchase state-of-the-art sewing stations and equipment and pay consulting costs to develop and implement energy reduction strategies and recycling systems for textile waste.

Location	Member	Sponsor	Grant Amount
Los Angeles, CA	Citibank, N.A.	Little Tokyo Service Center Community Development Corporation	$25,000
Project Description: The sponsor will construct 48 units of rental housing affordable to very low-income residents of this Pilipino community. The Pilipino Worker’s Center will occupy the commercial space, providing social services to the tenants and surrounding community and operating a convenience store featuring a low-cost remittance program. The grant will pay predevelopment costs associated with developing the project.

Location	Member	Sponsor	Grant Amount
San Francisco, CA	Citibank, N.A.	Renaissance Entrepreneurship Center	$25,000
Project Description: The sponsor will establish a program to recruit, train, and support a pool of skilled volunteers from banking and other corporate sectors who will serve as mentors and coaches for low- to moderate-income entrepreneurs. The grant will pay for volunteer outreach, training, and operation of the VIBRANT project.

Location	Member	Sponsor	Grant Amount
California Counties of San Luis Obispo and Santa Barbara	Coast National Bank	Peoples' Self-Help Housing	$25,000
Project Description: The sponsor will expand the program’s capacity to offer foreclosure prevention counseling and loss mitigation assistance, as well as financial education seminars for first-time homebuyers, to residents of San Luis Obispo and Santa Barbara Counties. The grant will pay the salary for a bilingual housing counselor and costs associated with marketing the program.

Location	Member	Sponsor	Grant Amount
Kern County, CA	Kern Schools Federal Credit Union	Kern Regional Center Foundation	$25,000
Project Description: The sponsor will expand the credit union’s Individual Development Account (IDA) program by enrolling sixty more participants. Designed to serve people with disabilities, the program will offer assistance with saving for a home purchase, post-secondary education, and starting up or expanding a small business. The grant will pay operating costs associated with recordkeeping, management of individual development accounts, and program administration.

Location	Member	Sponsor	Grant Amount
Los Angeles, CA	Kinecta Federal Credit Union	A Better LA	$25,000
Project Description: To empower residents of South Los Angeles and provide them with a solid financial literacy foundation, this financial education initiative will include information on financial planning, money management, credit, insurance, and financial services. The University of Southern California will partner with the sponsor to measure the program’s success. The grant will pay for costs associated with program development and operation.

Location	Member	Sponsor	Grant Amount
Los Angeles, CA	Nara Bank	Volunteers of America of Greater Los Angeles	$25,000
Project Description: The sponsor will rehabilitate seventy-six units of former Navy housing as the first phase in a 152 unit complex providing permanent housing and services to homeless veterans and their families. The grant will pay predevelopment fees associated with architecture and engineering.

Location	Member	Sponsor	Grant Amount
Ajo, AZ	National Bank of Arizona	International Sonoran Desert Alliance	$25,000
Project Description: This micro-enterprise incubator will revitalize the town plaza by recruiting artist-entrepreneurs and other small businesses and supporting them with adequate space, technical assistance, and training in business planning, marketing, and merchandising. The grant will pay salary expenses for a position dedicated to recruitment and business development.

Location	Member	Sponsor	Grant Amount
Oakland, CA	OneCalifornia Bank, FSB	People's Grocery	$25,000
Project Description: The sponsor seeks to increase food production through an urban-agricultural partnership integrating food production and job training for youth; expand its weekly distribution of produce to low-income West Oakland families; and use produce sales to restaurants to develop an income stream. The grant will pay salaries for greenhouse and food distribution managers and youth apprentices and to provide for facility improvements and expansion.

Location	Member	Sponsor	Grant Amount
Rural Communities in AZ, CA and NV	Rabobank, N.A.	Radio Bilingue, Inc.	$25,000
Project Description: The sponsor will collaborate with ACORN Housing Corporation on a foreclosure prevention and homeownership initiative targeting rural Latino families in California’s major agricultural regions and selected rural communities in Arizona and Nevada. Six live interactive talk show programs, along with related promotional and informational announcements, will be produced and broadcast in Spanish by a network of public FM stations in California and on select stations in Arizona or Nevada, and will also be made available nationally via satellite. Printed materials will be distributed through ACORN’s network of local offices and at events held in targeted cities. The grant will fund curriculum and materials development and broadcast program development, production, and airtime.

Location	Member	Sponsor	Grant Amount
San Francisco, CA	Union Bank of California	Episcopal Community Services	$25,000
Project Description: The sponsor will develop a catering business within the CHEFS (Conquering Homelessness through Employment in Food Service) culinary training program that will provide essential on-the-job training opportunities and employment for CHEFS graduates and generate greater revenue for the CHEFS program. The grant will fund development of a business plan for the proposed catering business.

Location	Member	Sponsor	Grant Amount
San Francisco, CA	United Commercial Bank	Glow Foundation	$25,000
Project Description: The sponsor will increase this program’s capacity to equip low-income youth with the crucial financial skills they need to proactively plan and seek the necessary funding for a college education and establish a financial foundation for life. The grant will fund staff costs related to expansion of the financial education program, volunteer recruitment, and curriculum enhancement.

Location	Member	Sponsor	Grant Amount
Pacoima, CA	United Commercial Bank	Valley Economic Development Center	$25,000
Project Description: The Pacoima Development Federal Credit Union’s SBA Lending Initiative makes small business loans in the low-income community of Pacoima, CA, and the surrounding area. To help expand the reach of this lending initiative, VEDC will develop and execute a marketing campaign, supply loan officers and underwriters to originate and process loans, provide back-office support, and contribute financially to the expansion effort. The grant will pay costs associated with marketing the program.

Location	Member	Sponsor	Grant Amount
California Counties of Amador, Calaveras and Tuolumne	Washington Mutual	Amador-Tuolumne Community Resource	$25,000
Project Description: The sponsor will deliver foreclosure intervention services, loss mitigation assistance, and financial education in areas such as debt management, credit repair, and budgeting to homeowners and renters in the rural counties of Amador, Calaveras, and Tuolumne counties. The project is expected to provide assistance to 300 households. The grant will pay for marketing costs associated with outreach to low-income households.

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