This document is a quarterly report from OneCalifornia Community Development Bank that discusses several of the bank's community development projects and customers. It contains 3 summaries: 1) The Dones family has been involved in several development projects in Oakland, including affordable housing and a large solar panel installation. They work to promote renewable energy, historic preservation, and provide opportunities for others. 2) Erin Kilmer-Neel created an online marketplace and awards program to support local businesses and artists. She sees shopping and banking as ways to strengthen the community and redirect money back into it. 3) Kouichoy Saechao founded an organization to preserve his Iu Mien culture and provide a community center

1. OneCalifornia Community Development Banking Report }2008 Q2
Does your bank green
your community?
Ours
does.
Our solar project loan
is at OneCal.
It feels right
to do business with a bank
that puts money
back into the community.
TM
B A N K

2. SUDA
SOLAR W RENEWABLE ENERGY
hen 90-year-old Ray Dones climbs to a
rooftop above the new Thomas Berkeley Square in downtown
Oakland, he sees evidence of his collaborative projects E HISTORIC PRESERVATION
very night when Ray and Inez Dones gathered
across the skyline. To the west rise the MORH Housing their family around the dinner table, they nourished their
Apartments; to the south, the Elihu M. Harris State Office children with more than food. “We were taught that we had
Building. The satisfaction of jobs well done, life well lived, a say in the community,” says Bobbye Dones, SUDA man-
and family well raised would be enough for most people, agement consultant and self-proclaimed Executive Sister.
but Ray has a vision to do more. A man with great successes “We weren’t allowed victimhood. My dad raised us to have
in general and electrical construction, a vision. He taught us to be activists. Mom was always there
magazine publishing, and audio and for us. There was so much love—always room for us to grow
automotive engineering, he’s on a and learn.”
mission to harness solar power. As Co-
Founder of and Energy Consultant to
SUDA (Strategic Urban Development
Alliance) and with his son Alan Dones,
SUDA CEO and Managing Partner, and
John Guillory, SUDA Co-Founder and
Partner, Ray is a force behind the largest
solar panel installation in downtown
On the cover and above: Oakland—a roof-full on the Alameda Bobbye is also keeper of the family history and curator
Alan and Ray Dones at the rooftop County Social Service Headquarters at Thomas L. Berkeley of SUDA’s headquarters, an historic home that belonged to
solar installation of Alameda Square, a project developed by SUDA at San Pablo and Miss Ida Louise Jackson, Oakland Public School’s first African
County Social Service Headquarters at
Thomas Berkeley Way (formerly 20th Street). OneCal Bank American teacher and a friend of Inez Dones. The Dones re-
Thomas Berkeley Square.
OneCal Bank financed the solar financed the panels and their installation. furbished the house, raising it to accommodate lower level
installation —the largest Alan shares his father’s passion for adaptive reuse offices, and they maintain it with Miss Jackson’s original
in downtown Oakland. and renewable energy. In addition to overseeing SUDA’s furnishings. An improvisational gardener, Bobbye tends many
projects, Alan travels to Africa to work on the early stages of Miss Jackson’s original plants. She sees it all as creative
Members of the Thomas Berkeley
family pose with the Dones at the of a five-country project which includes solar and hydro- process—whether anticipating colors for the garden,
groundbreaking for electric power. Many of Alan’s other interests align with his producing proformas or construction solutions. “We were
Thomas L. Berkeley Square. father’s. Alan is an accomplished musician and community encouraged to be creative,” she says. “We figure it out.”
advocate for equal opportunity in employment and con-
At right, top: The Dones family
Below: Miss Ida L.Jackson’s home, tracting; Ray holds patents in audio and auto acoustics
now SUDA Headquarters and was a founding member of the National Association of
Minority Contractors. Both men have been active in local
BANKING ON and national organizations creating positive change and
opportunity for others.
ONE SUCCESS Adding renewable energy to their footprint of new
AT A TIME TM construction and historic preservation in the East Bay,
the Dones are an energetic example of what vision,
commitment and a lot of hard work can build.
Learn more about the Dones’ projects and history at www.sudallc.com.
BANK WITH PEOPLE WHO CARE ABOUT COMMUNITY
“Now is the time for community development banks to be more innovative in creating solutions for businesses, professionals,
nonprofits and individuals, especially since larger banks have begun to pull back from community markets. Our Bank and
Foundation associates are actively networking with people to facilitate a different kind of banking. This report gives a
glimpse of the valuable work OneCal and our customers are doing for the community. Contact us to learn more.
TM “Please take this opportunity to align your community and social values with how you bank. By depositing with OneCal,
you automatically contribute to strengthening community. Thank you!”
B A N K Jeff Cheung, President & CEO, OneCalifornia Bank

3. D SHOP, BANK, CHANGE THE WORLD!
o you know where profits from your shopping purchases
go? Do you think about shopping as a way to improve communities and
change the world? Erin Kilmer- Neel does. As Program Officer for
I
OneCalifornia Foundation and founder of Oakland Unwrapped!, she is May 2nd
the visionary behind two programs she brought with her to OneCal. 2008
Oakland Unwrapped! Online Marketplace makes it easy for people to buy
from locally-owned, independent businesses and artists. The Oakland
Indie Awards honor local business owners and artists.
“We all shop,” says Erin. “So why not shop in a way that
O
helps our community and our environment.” That’s the mission
of OaklandUnwrapped.org—a website where people GOOD BANKING STARTS WITH FINANCIAL EDUCATION
can browse and make purchases conveniently and with a
community conscience. neCalifornia Foundation has launched a OneCAL
The Indie Awards illustrate why it’s better to support
locally-owned businesses and artists. The Ripple Effect
Award points out how local businesses and artists have an
new initiative to assist low-income families in Oakland
and the San Francisco Bay Area. OneCAL SAFE (Checking
and Lifetime Savings Accounts with Financial Education)
S A F E
economic ripple effect in their community because they provides individuals with access to fair banking
buy from other local businesses and artists. The Neighbor- services, along with learning about personal banking,
hood Dynamo Award reminds people how local businesses budgeting, money management and online banking. The
and artists give back to their own neighborhoods. Other OneCalifornia Foundation is working with OneCalifornia
awards—Greenie, Innovator, Oakland Soul, Youth Empow- Bank and selected nonprofit organizations that engage
erment, Newbie—highlight additional ways that business in financial literacy.
owners and artists revitalize community. “We expect to assist hundreds of low-income individu-
When introduced to OneCalifornia Bank, Erin realized als by the end of 2009,” says OneCal Foundation Program
she was looking at the banking counterpart to her work. She Manager Liza Jager. “We provide information and tools
makes a comparison between shopping and banking. “Even for empowering individuals to achieve financial goals by OneCalifornia Bank, FSB
more powerful than shopping with a conscience, OneCalifornia building assets and realizing an alternative to predatory 1438 Webster Street
is helping people bank with a conscience. Both the Bank services, such as check cashing.” Suite 100
and the Oakland Unwrapped program are helping to change Participating agencies include: Juma Ventures, Oakland, CA 94612
the flow of money in our local economy. We’re saying ‘let’s Covenant House of California, Hamilton Family Center, Main Phone
stop the trends that are widening the gaps between the rich YMCA of the East Bay, BACS, The Unity Council, SANN, San 510.550.8400
and the poor, and give profits in the financial sector back to Antonio CDC, East Bay College Fund, Women’s Initiative Jeffrey Cheung
the community. Specifically, let’s redirect the money in this for Self Employment, EBALDC, AnewAmerica, Lao Family President & CEO
510.550.8408
sector to get bank accounts and loans for our community Community Development, Inc., C.E.O. Women, Centro
members that are normally shut out of the banking system, Legal de La Raza, and ACORN. For individual participation, www.OneCalBank.com
and provide programs through the Foundation that help the contact one of the agencies. For more information, Bank Hours
bank’s customers and the local economy.’” contact OneCal Foundation. Monday - Thursday
Because OneCal Bank is structured to direct profits back 9 am - 4 pm
Pictured at right: A hands-on financial literacy class at the
Friday
to the community through the Foundation, every bank Foundation teaches online banking and other skills, taught by 9am - 5pm
depositor or borrower gives back just by being a customer. Andrea Walker, Executive Program Assistant (far right).
Pictured above: La Verbena owner Rosalva Diaz
OneCalifornia Foundation
Join us.
(standing), nominee for Neighborhood Dynamo, at
1438 Webster Street
the 2008 Indie Awards ceremony. Seconds later she won!
Suite 101
Rosalva gives back by educating the community Oakland, CA 94612
about healthier eating choices, providing fresh-made
juices and shakes and offering employment training Main Phone
510.663.2253
for women seeking to escape domestic violence. Other
Bank on your values. 2008 Indie Award winners are: Pillar: Bruce Beasley;
Oakland Soul: OAKBOOK/Novometro; Ripple Effect:
510.OneCalF
Salvador Menjívar
Bank with OneCalifornia. Ruby’s Garden; Newbie: Tip Top Bike Shop; Innovator: Executive Director
510.663.2253 Ext. 305
Bank for a stronger community. Pandora; Greenie: Universal Waste Management;
Youth Empowerment: Keith “K-Dub” Williams. www.OneCalFoundation.org

4. Speaking of community development banking...
LIMCA
LAO IU MIEN
CULTURAL
“ Begin with
a vision...
ASSOCIATION
C E O
WOMEN
Kouichoy Saechao has a vision—to preserve his cultural heritage and pass it
on to the next generations. As Chairman of the Board of the Lao Iu Mien Culture
Association (LIMCA), he is seeing that dream become reality for the Bay Area’s Iu
Mien. Kouichoy’s ancestors fled the hills of China to Laos in the early 1900s. After
the Vietnam war, threatened with persecution by the communist government,
he and his family fled Laos. He was the first of his tribe to settle in the Bay Area;
five thousand more have followed. Kouichoy’s dedication to making a home for his
displaced people shines in the Iu Mien Community Center and their new Buddhist
Temple, financed by OneCal Bank. It is the first temple of its kind in the U.S.
With no written language, skilled in agriculture, textile arts and spiritual tra- The Women Connected Venture Fund, C.E.O. Women’s pioneering micro-
ditions that served in mountain villages but can become lost in an urban environ- equity initiative, awarded eight entrepreneurs grants to spark their visions.
ment, the elder Iu Mien—the majority of whom don’t speak English—rely on The grants, including $1,500 cash, $300 worth of business support services
LIMCA for their well-being and community structure. Through LIMCA, they teach and a $200 re-branding award, provide immigrant and refugee women
their youth to be responsible citizens and to carry on traditions in dancing, folk- seed capital to launch or grow their businesses. OneCal Bank hosted the
lore, embroidery, chanting and ancestor worship. The temple’s 12 porch pillars May 2008 awards ceremony at the Bank as part of OneCal’s Community
and 12 high round windows streaming sunlight onto gleaming statues—rep- Connects program, which brings people together for events and dialogue
resenting Buddha, the deities and Kingpan— signify Iu Mien’s 12 clans. Ances- on topics of community interest. Pictured left to right: Hao Nguyen, Irene
tors are enshrined in a passageway behind the stage of statues; the honoring of McGuire, Alessandra Fortuna, Martha Larin, Regina Ripps, Janet Orok,
ancestors is essential to the Iu Mien culture. Youth achievements, such as gradu- Maria de la Luz Orozco and Erika Ramirez de Robinson.
ations, and other events, are celebrated at the Community Center and on the Learn more at www.ceowomen.org.
grounds surrounding the temple. COMMUNITY
The flat terrain of East Oakland may be an unlikely choice for a hill tribe, but OneCal Bank and OneCal Foundation CONNECTS
have applied to be designated a “Green
485 105th Avenue is a place to call home for the Iu Mien, as well as an inspiration
for neighbors who say, “You make us feel proud. You’re making the neighborhood
better.” LIMCA welcomes other cultures and invites neighbors to festivals. It’s a
Business,” as part of the Bay Area Green GREEN
Business Program. The certification process SUSTAINABLE
place to taste traditional food, touch the intricate embroidery of beautiful cos- takes about one year. Meanwhile, we’re
tumes, hear music, dance, and experience the peaceful heart of dreams come looking at all the ways that going “green”
true, as well as dreams in the making. contributes to building stronger, more sustainable communities.
Learn more at www.limcacenter.org. Here are a few simple things to do in the workplace:
Pictured above: LIMCA’s new Buddhist temple (under construction) financed by OneCal Bank. }Use mugs instead of water bottles or disposable cups
Below: Children celebrate their Iu Mien heritage dressed in embroidered costumes. }Use real silverware and biocompostables for most utensils
}Enlist office mates and building management to recycle; do your own
recycling, including taking compostables home
}Bike to work, take transit, and shop online at OaklandUnwrapped.org
}Learn more at www.greenbiz.ca.gov
}}}For information about “green” lending or other financing for
sustainable businesses and nonprofit organizations, contact Liza Zuffi,
Banking Group Head, 510.550.8401, LZuffi@OneCalBank.com
©2008 OneCalifornia Bank Member FDIC EQUAL HOUSING LENDER
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