1. United Way THRIVE and Wells Fargo

2. Agenda United Way THRIVE Overview Wells Fargo Financial Capability Network Goals Wells Fargo Financial Capability Network Plan Measuring Success 2

3. Launched and led by United Way of Greater Houston, THRIVE is a collaboration of 21 agencies focused on helping families: United Way THRIVE 3

4. Overall Year 4 Results With 18 Partners: Over 31,800 tax returns were prepared securing $41.8 million in net refunds Over 4,700 families received workforce development services Over 8,900 families received financial education or coaching services Over 4,200 individuals increased their savings Clients Served Year 1Over 21,000 Year 2Over 28,000 Year 3Over 35,000 Year 4Over 44,000 4

5. United Way THRIVE Comprehensive Approach for a Path to Financial Stability Gain job skills Secure consistent employment Reduce expenses Increase Income Reduce consumer debt Build savings for emergencies Save for assets Acquire assets 5

6. Multi-Sector Network to Achieve Scale THRIVE Workforce Solutions Community Colleges Employers City & State Organizations Financial Institutions 6

7. Wells Fargo Financial Capability Network Goals Create a community-based, multi-sector network Support United Way’s family financial stability initiatives in communities Help low- to moderate-income families with: Financial education and awareness of resources Access to safe and effective financial products and services Financial coaching on how to make better financial decisions 7

8. Wells Fargo Financial Capability Network Overview 1.Bank On Houston Coordinator 2.Scalable Small Dollar Loan 3.Promotion of Tax Time Savings 4.Wells Fargo Financial Education Opportunities 8

9. 1. Bank On Houston Coordinator Dedicated staff person located at City Hall Coordination of activities and central source of information Connect with United Way THRIVE Research Bank On best practices and potential opportunities Evaluation of Bank On Houston activities and accounts 9

10. 2. Scalable Small Dollar Loan Propose sustainable small dollar loan model for Houston  Consult RAISE Texas Feasibility Study Support Promise Credit Union PAL Loan Pilot  Connect with THRIVE financial coaches 10

11. 3. Promotion of Tax Time Savings Outreach through Network Financial Education Opportunities Market United Way Tax Time Matched Savings Program at Neighborhood Tax Centers 11

12. 4. Wells Fargo Financial Education Leverage Wells Fargo financial education resources Examples:  Teach curriculum to THRIVE partner agencies  Provide course for United Way Bright Beginnings child care center staff 12

13. Measuring Success Common Outcome 1: Increase financial education and coaching  Leverage THRIVE Evaluators Common Outcome 2: Improve awareness of and access to appropriate financial products and services  NLC Bank On Data Improvement Project 13

14. Dream Today. Thrive Tomorrow. 14