1. 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

2. 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

3. Business & Community Development www.bcloftexas.org Lending Creates Jobs

4. Purchase Rural Habitat Mortgage Portfolio – Wharton, Texas Population 8,832 39.4% Latino Zero % 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

5. Innovation Creates Jobs www.bcloftexas.org

6. Social Enterprise Texas Grown & Bottled Olive Oil www.bcloftexas.org 11 new jobs projected

7. Identify Partners & Develop Business Plan Due Diligence & Forecasts Risk Analysis & Capital Structure Grow Asset Base Increase Competetiveness ROI & Managed Growth Salud Corporation Business Analysis www.bcloftexas.org

8. Thank you copy of this presentation will be made available upon request