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From YouTube: Mountain Community Capital Fund
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A
You
need
to
restart
your
meeting
from
the
top.
Thank
you
for
your
cooperation.
Thank
you
good
afternoon.
Everyone
welcome
to
our
december
16th
mountain
community
capital
fund
committee
meeting,
and
we
are
I'm
lynne,
smith,
your
chair
and
we're
going
to
do
a
roll
call
and
when
I
call
your
name
remember
to
unmute
your
phone
and
re-mute
once
you.
Let
me
know
that
you're
here,
we'll
start
from
the
top
tim
love
present,
rachel
nygard.
C
D
A
F
A
A
C
A
H
H
However,
this
time
had
has
been,
the
loan
amount
has
been
increased
by
15
000,
so
it
was
previously
approved
for
thirty,
four
thousand
nine
hundred
and
fifty
the
full
request
is
for
fifty
thousand.
H
The
reason
why
we
wanted
to
refinance
the
majority
of
the
loan
and
also
offer
some
working
capital
is
because
it
allows
us
to
offer
a
lower
rate
and
a
longer
term
as
well.
The
previous
loan
was
set
at
60
months
at
a
rate
of
8.5.
H
This
loan
will
now
be
refinanced
at
five
years
at
four
percent,
no
payments
for
the
first
six
months
and
then
interest
only
for
the
next
six
months,
and
then
it
will
turn
out
to
eight
percent
for
the
next
five
years.
So
it's
a
total
of
a
ten-year
term
which
allows
the
client
to
have
a
much
more
flexibility
with
the
payments
as
well.
H
The
collateral
remains
the
same
and
which
is
a
printer
machine
screen
printer
machine
and
then
which
is
discounted.
A
value
of
17
000.
credit
score
remains
the
same.
Really.
There
has
not
been
additional
credits
taken
out
by
the
by
the
client
two
full-time
jobs
created
as
far
as
the
technical
assistance.
H
They
have
been
through
many
many
different
technical
assistance
sessions
with
either
a
coach
or
with
a
lender
and
will
also
be
participating
in
a
cohort
that
includes
other
entrepreneurs
which
they'll
they
will
work
together
to
find
different
ways
to
to
grow
their
business,
and
that
will
be
that
will
go
on
for
the
first
12
months
so
november
and
december
were
probably
the
highest
months
that
he
has
earned
and
each
month
has
been
about
12
000
in
gross
revenue,
so
he's
they're
doing
really
well.
G
E
I'm
looking
at
the
form-
and
it
says
that
the
net
profit
in
the
last
three
years
is
over
17
000
and
that's
year.
One
2019
was
that
november
december
of
last
year.
E
C
G
C
A
A
H
There
is,
this
is
the
only
one
we
also
did
another
loan
that
was
that
did
not
require
committee
approval.
It
was
15
000,
which
I
guess
I
can
go
ahead
and
present
this
as
well.
It
was
for
15
000,
with
the
total
guarantee
of
thousand
seven
hundred
and
fifty.
H
Okay,
so
so
far
we
have
done
a
total
of
seven
loans,
which
is
brings
our
total
to
four
hundred
twenty
nine
thousand
and
five
hundred
dollars.
This
is
a
total
loan
amount.
I
did
want
to
give
you
an
update
on
loan
five,
so
this
is
a
loan
that
was
approved
back
in
march,
but
because
of
the
pandemic,
this
with
clients
decided
to
put
it
on
hold
just
because
it
was
such
a.
H
It
was
just
so
unknown
as
far
as
what
the
their
numbers
would
be
and
what
the
market
would
be.
So
this
one
is
now
put
back
on
the
books
and
we
are
looking
to
possibly
close
it
in
late
january,
possibly
early
february.
H
I
can
definitely
there
have
been
some
changes
to
the
request,
so
I
can
certainly
once
they're
ready
to
go,
come
back
to
you
and
just
give
you
an
update
and
we
have
to
vote
on
it
again.
That's
fine,
but
that
has
not
been
closed.
Yet.
The
fifty
thousand
long
six
vote
is
the
one
that
we
just
reviewed
and
loan
seven
is
the
one
that
will
be
also
will
be
closing
this
week
as
well.
H
So
that
brings
our
total
mccf
commitment
to
two
hundred
thirty
one
thousand
nine
hundred
and
twenty
five
dollars.
H
I
believe,
jesse
had
said
there
was
a
that
we
could
loan
up
to
five
hundred
and
thirty
thousand,
so
our
remaining
available
funds
are
two
hundred
ninety
eight
thousand
and
seventy
five
dollars
is
what's
remaining
under
the
guarantee.
Okay,.
I
C
Thank
you.
Thank
you,
yeah.
I
always
have
a
question.
Jeff
kaplan
with
a
question
yeah
the
two
questions.
Actually
yeah
evelyn.
How
do
you
feel
about
your
pipeline?
I
mean
this
works
to
have
a
productive
2021
with
writing
more
loans
out.
H
Oh,
we
feel
great
honestly.
We
wish
we
had
time
to
actually
underwrite
a
few
others,
and
the
catalyst
fund
has
been
a
big
big
help
as
well
to
bring
more
clients
to
the
table
and
and
giving
them
an
opportunity
to
get
their
businesses
going.
H
So
with
that
catalyst
fund
in
mccf,
I
think,
if
I
remember
correctly,
we
have
about
10
loans
that
are
possibly
going
to
qualify
for
mccf
and
that's,
of
course,
going
to
be
2021,
but
I
believe
in
the
early
spring,
which
I
mean
during
that
first
quarter,
we
should
get
all
of
those
through
so
yeah.
I
mean,
I
think
we
have
a
great
deal
of
demand.
Thankfully,
so
I'm
gonna
say
that
probably
we're
probably
gonna
go
through
the
298
pretty
quickly.
C
Well,
I'm
glad
to
hear
that
yeah-
and
I
think
it's
worth
mentioning
for
for
the
committee
that
I
mean
traditionally,
we've
looked
at
about
two
deals
per
per
meeting.
We've
had,
but
there's
no
rule
that
we
have
to
look
at
two.
We
could
look
at
ten
at
a
meeting
if
that
were
that
many
were
present
so
for
what
it's
worth
you
know,
keep
them
coming.
This
board
seems
active
to
get
money
into
the
community.
My
second
american
is
on
this
dashboard,
which
is
great
to
see
at
a
high
level.
J
So
just
two
quick
things:
yes
lane.
You
mentioned
the
catalyst
fund,
as
did
razana
earlier,
and
I
wonder
if
we
could
at
a
future
meeting,
I
talked
more
in
depth
about
the
catalyst
fund
and
how
that
sort
of
addresses
the
need
that
we've
talked
about
a
ton
in
this
committee,
which
is
getting
businesses
ready
for
a
position
where
they
can
actually
take
on
debt
to
expand.
So
I
think
it's
it'd
be
worthwhile
to
talk
about
that
in
depth
and
how
important
that
program
is.
So.
J
I
would
recommend
that
I
was
fortunate
to
spend
some
time
with
jeremiah
robinson
no
wilson
recently,
and
I
was
really
impressed
with
what
they
were
doing
so
that's
kind
of
my
first
comment
and
jason
feel
free.
If
you
want
to
share
more
on
this
call,
we
don't
have
to
wait,
but
I
just
wanted
to
put
it
out
there.
J
H
In
the
next
meeting,
I
think
you
know
I'm
not
directly
involved
with
the
catalyst
fund,
so
I
don't
know
all
of
the
details
of
it
and
since
I'm
more
of
the
underwriter
and
lender
so
handle
that
part
of
the
of
the
the
loan
application.
But
I
do
I
do.
I
will
work
closely
with
the
clients
and
also
with
the
catalyst
committee
to
bring
clients
over
to
them
for
approval.
H
J
I
appreciate
that
my
my
second
comment
gets
back
to
the
dashboard
and
I
appreciate
you
bringing
this
it's
super
transparent
and
helps
understand
where
we're
at.
I
believe
the
plan
is
to
update
on
a
every
time
we
meet
to
sort
of
review.
This
document,
which
I
think
is
great
a
question
for
you
and
the
group
is
it's
great
to
see
the
number
of
loans
and
understand
the
balance.
J
Is
there
additional
information
that
we
can
gather
over
time
about?
You
know
how
these
loans
are
going?
I
don't
want
to
micromanage
that
the
point,
but
it's
good
to
understand
that
you
know
a
loan
approved
in
september.
You
know
kind
of
where
it's
at
is
the
business
still
doing
well
or
whatever
it
is.
I
don't
want
to
get
too
private,
but
I
do
want
to
make
sure
that
we've
got
a
good
story
to
tell
in
this
program
and
how
it's
going.
So
that's
a
question.
H
So
I
think
yeah,
I
think
that's
great,
and
you
know
so
far
all
of
the
loans
that
we've
done
they're
doing
well,
even
through
the
pandemic.
H
We
have
had
one
that's
reached
out,
which
is
the
one
that
I
presented
today
that
they
might
be
falling
short
on
some
of
the
operating
capital,
which
is
why
we
decided
to
do
another
smaller
loan,
so
they
get
through
the
to
the
season.
But
if
yeah,
if
we
could
put
something
in
place
to
what
exactly
you
guys
want
to
see
how
often
we
could
certainly
do
that.
So.
B
Thank
you.
I
was
just
going
to
jump
in
and
say
and
when
we
get
to
the
next
part
of
the
agenda
tim,
I
think
I
might
be
able
to
help
outline
some
of
the
things
that
we're
going
to
need
to
start
tracking
more
carefully
and
that
might
provide
the
guidance
and
sort
of
the
update
that
you're
looking
for
so
just
plugging
for
that
next
section.
A
H
I
just
wanted
to
to
say
that
we
do
mountain
bus
works.
We
do
have
a
crm
platform
where
we
keep
track
of
all
of
these
loans,
so
we
do
have
the
data.
It's
just
a
matter
of
how
do
we
present
it
to
the
committee?
Okay,.
E
B
So
I
am
gonna
just
since
I'm
talking
talk
a
little
bit
more
than
just
the
leverage
piece,
because
I
think
it
goes
kind
of
goes
together.
So
last
time
we
gathered,
we
were
like
how
you
know:
how
can
we
leverage
these
funds?
What
are
we
allowed
to
do,
and
I
was
like
I'm
not
sure.
Let
me
go
back
and
look
at
all
the
legalese
and
report
back
so
happy
to
do
that
today.
B
So,
according
to
the
services
and
duties
agreement,
we
can
do
530
000
in
lending
right
now
and
then
there's
a
question
about
leverage
that
I'm
going
to
move
to
the
end
of
this
conversation
just
to
help
with
some
logical
flow,
the
things
that
we
need
to
monitor
regularly
as
an
operating
committee.
B
So
you
all
need
to
monitor
regularly
is
the
loan
volume
which
we're
already
doing
the
delinquency
as
a
percentage
of
outstanding
principal
because
they're
in
the
agreement
there
are
certain
things
called
well
they're
trigger
points
right,
and
so,
if
we
hit
those
trigger
points,
that
means
that
there
needs
to
be
an
automatic
moratorium
on
lending
and
that's
really
just
to
ensure
the
sort
of
risk
and
security
of
the
funds
gives
people
a
chance
to
sort
of
regroup
and
reevaluate.
B
B
So
those
three
things
are:
are
those
percentages
or
things
that
we're
going
to
need
to
be
monitoring?
You
know
on
a
semi-regular
basis
and
I
think
that's
going
to
be
pretty
important
for
reporting
for
lynn
as
well.
So
I'm
thinking
jason
correct
me
if
you're
the
something
that
we
do
for
some
other
revolving
loan
funds,
typically
on
a
quarterly
basis,
we'll
just
report
the
status
of
the
loans
in
in
the
fund
say
you
know
if
they're
delinquent,
we'll
report
that
delinquency
just
so
that
we
can
calculate
those
percentages.
A
B
Just
so
that
we
have
it
all
in
one
place:
that's
not
buried
deep
in
a
services
and
duties
agreement
just
so
that
we
can
have
it
top
of
mind,
and
then
the
question
we
had
last
time
about
was
was
leverage
and
how
much
can
we
leverage
the
notes
and
as
of
now,
we
really
don't
have
much
leverage
and
by
leverage
I
mean
like
how
many,
how
many
more
loans
can
you
do
than
what
is
in
the
fund
box?
B
So
if
you
had,
if
you
had,
I
know
we
have
450
or
something
in
there,
but
let's
make
it
an
easy
number.
So
if
you
had
a
hundred
thousand
dollars
set
aside
as
a
loan
or
lost
reserve
to
do
loans,
and
you
and
you're
thinking,
you
know
we're
gonna
do
some
riskier
startups.
We're
really
gonna,
try
and
reach
these
community
members,
give
them
a
chance
to.
You
know,
trial
and
error,
and
we
expect
that
20
of
these
loans
are
gonna
default
and
we're
going
to
end
up
having
to
charge
those
off.
B
So
then,
in
theory,
you
can
do
five
hundred
thousand
dollars
in
loans
before
that
hundred
thousand
dollars
in
the
fund
is
fully
depleted.
So
by
those
terms,
that
means
that
you
are
planning
to
leverage
the
hundred
thousand
dollars
five
or
the
leverage
is
five
times.
B
So
that's
something
to
be
thinking
about
as
we
move
forward
and
start
to
evaluate
how
the
fund
is
doing
and
whatnot
right
now
again,
the
limit
in
the
service
and
duties
agreement
is
530
000
in
lending,
so
there's
not
a
whole
lot
of
leverage
there,
which
is
maybe
a
fine
thing.
Maybe
a
not
fine
thing
we
may
want
to
mitigate
or
say:
hey.
We've
got
a
lot
of
loan
volume.
Let's
find
more
people
to
sort
of
put.
B
B
It's
a
higher
risk
for
the
lenders,
because
what,
if
more
than
20
go
back
or
whatever
number
we
choose,
then
you're
opening
up
the
lender
is
up
to
more
risk
to
have
to
take
on
that
loss.
So
we'll
also
include
that
example
in
the
email
for
those
of
us
that
are
visual
learners
and
not
auditory
learners.
B
Just
so
that
we
can
have
that
in
the
back
of
our
minds.
If
there
is
in
the
future,
an
operating
committee
conversation
around
it
wanting
to
adjust
the
leverage
amount.
That
would
need
to
be
like
a
an
amendment
to
the
current
services
and
duties
agreement.
E
B
E
J
I
took
my
hand
down,
but
not
my
mute
off,
so
I
wanted
to
thank
jesse
for
digging
into
that,
because
I
think
that's
great
helps
us
understand
where
we're
at
and
potentially
what
we
need
to
be
thinking
about.
You
know
when
the
when
the
agreement
was
originally
approved.
I
think
we
took
a
more
conservative
approach
to
you
know.
Let's
get
this
thing
on
the
ground,
make
sure
that
it's
on
firm
foundation
and
so
that
leverage
percent
you
know
it
effectively
assumes
that
all
of
these
guarantees
may
default.
It's
a
very
con.
J
It's
a
very
conservative
view.
I
think,
which
is
not
necessarily
what
we
expect.
J
E
E
F
C
Thank
you
jesse.
Thank
you.
So
much
for
your
time,
quick
question
for
you
about
the
delinquency
rate.
The
default
rate
at
20
is
that
of
the
total
fund
of
the
450
or
530,
or
is
that
just
of
what's
been
realized
out
regarding
the
moratorium.
A
H
I
just
want
to
clarify,
when
you
say,
530
000
in
loan
dollars.
That's
not
loan
dollars,
that's
the
amount
of
the
guarantee
right,
so
we
can
guarantee
up
to
5
30.
B
F
This
is
rosanna,
I
I
have
a
question
so
we're
guaranteeing
loans
up
to
85
percent.
What
what's
the
percentage
that
we're
guaranteeing
the
loans.
F
B
No,
I
just
want
to
clarify
that
in
my
email
follow-up
later
today,
we'll
have
clarification
on
guarantee
amount,
explaining
the
how
the
leverage
works
and
then
a
list
of
the
trigger
points.
Okay,
do
you
want
jesse
to
include.
H
Yes,
I
do
have
a
question.
Clarification
clarification.
I
guess
so
some
of
these
loans
that
we've
done
are
the
terms
are
way
past
the
contract
or
the
agreement.
So
how
does?
How
would
that
work
say?
I
mean
if
the
agreement
is
cancelled,
but
the
loan
still
continues.
H
B
How
does
that
work?
That's
a
great
question,
so
what
happens
is
if
say
tomorrow
everybody
had
a
change
of
heart
and
was
like
you
know
what?
Let's
not
do
this
program
anymore,
let's
terminate
it,
then
what
we
would
do-
and
this
is
written
into
the
services
and
duties
agreement
and
then
referenced
in
the
notes
and
basically
what
it
says
is:
okay,
that's
fine,
but
whatever
amount
is
already
guaranteed
we're
going
to
hold
in
the
fund
until
we
no
longer
need
that
guarantee.
A
Okay,
we'll
move
on
to
thank
you
jesse
very
much
and
we'll
be
getting
the
email
from
jessie
with
all
this
information
that
she's
discussed
and
if
you
think
of
anything
in
the
interim
just
feel
free
to
reach
out
and
send
her
an
email,
and
so
next
on
our
agenda
is
form
approval,
business,
private
information
protection.
A
K
K
Location,
so
I
went
to
my
iphone.
I'm
surprised
to
see
the
form
being
used.
Pardon
me
in
just
a
moment,
I'm
glad
that
it
is
being
used
and
the
primary
reason-
and
I
just
want
to
back
up
just
a
moment
and
say
thanks
for
the
opportunity,
I
thought
that
the
form
was
something
that
we
had
had
approved
earlier.
I
knew
that
it
was
pending
before
the
city's
legal
department.
K
So
primarily
it
is
one
not
only
to
help
the
clients
but
to
also
help
us
remain
true,
to
the
reason
why
each
one
of
us
was
appointed
to
the
fund,
and
basically,
that
is
for
the
experience
and
skills
that
we
bring
to
try
to
help
the
clients.
I
have
the
form
in
front
of
me.
That
was
that
I
initiated
and
jane
hadley
so
kindly
also
put
her
honing
skills
to
work
with.
I
think
it
took
us
all
30
minutes.
K
To
put
you
know
to
agree
on
what
we
wanted
to
put
on
this
forum,
the
only
change
that
I
made
was
coding
it
as
a
north
american
industry
classification
system.
Now
this
is
a
system
for
somebody
like
me
and
other
folks
who
collect
data.
K
This
is
going
to
be,
I
think,
very
key
and
pivotal,
as
we
not
only
get
reports
per
each
loan.
That's
done
on
this
forum,
but
also
it
could
be
a
point
of
reference
for
say,
for
instance,
when
the
city
manager
or
the
county
manager
asks
you
how
this
is
going
at
least
we'll
know
what
we're
talking
about
reference.
K
It
also
delineates
ethnic
origin
gives
you
an
idea
of
how
old
the
business
is.
I
saw
that
on
paper,
and
it
doesn't
cite
curiosity
the
last
long
we
just
looked
at.
I
saw
that
it
was
a
negative,
almost
eighteen
thousand
dollars.
Now
I
don't
know
whether
or
not
that
was
129
as
far
as
depreciation
or
4868,
whether
it's
a
sole
proprietor
and
I'm
just
talking
tax
forms
now
and
deductions,
but
that
net
profit
really
caught
my
eye,
and
I
guess
it
caught
a
lot
of
other
folks
too.
K
The
residence
residency
issues
you
know
whether
they're
local
and
there
should
be
asheville
city,
buncombe,
county
and,
of
course,
my
the
issue
that
I
really.
That
means
a
lot
as
far
as
data
is
concerned.
K
It
looks
like
we've
had
several
of
these
that
are
refinancing
refinances,
in
other
words,
we're
rolling
old
money
into
new
money,
and
so
for
somebody
like
me,
you
know
that's
very
important
too,
because
it
it
kind
of
like-
and
I
do
appreciate,
every
lender
being
risk
averse,
but
I
do
want
to
know
whether
or
not
this
is
generating
new
money
or
it's
covering
some
of
the
risk
of
existing
lenders
in
their
portfolio
of
loans.
K
The
security
interest
most
of
these
people
don't
have
any
security.
I
believe
that's
one
of
the
tenets
of
of
this
pool
is
that
they
not
have
a
lot
of
resources.
K
I
do
see
where
the
ucc
was
filed
on
a
piece
of
equipment
that
is
going
to
be
purchased
with
this
refinance
on
this
latest
loan.
I
also
had
a
question
about
several
of
these
loans,
since
the
payments
have
been
postponed
so
to
say
so
to
speak
on
performance,
and
I
guess
jason
is
the
one
to
be
able
to
answer
it.
I'm
just
I'm
making
a
presentation
now
I
know,
but
I
want
to
know
how
many
of
them
are
deferred.
K
As
far
as
p-I-t-I
excuse
me,
principal
and
interest,
and
I
also
want
to
know
how
they're
actively
performing
on
repayment,
the
ones
that
haven't
had
a
deferral
if
all
of
them
have
been
deferred
are
any
of
them,
is
that
deferral
period
gone.
D
K
Are
they
performing?
I
want
to
know
how
these
loans
are
really
performing.
Somebody,
like
me,
is
always
an
issue.
I
do
do
note
that
there
were
notes
a
lot
of
times.
There
are
some
of
us
that,
like
to
look
at
credit
scores,
you
know,
and
they
don't
mean
a
whole
lot
when
we're
dealing
with
this
population,
but
still
you
know
when
we
in
on
this
form.
K
It
is
always
good
to
know
and
then
have
an
explanation,
and
I
saw
the
explanation,
but
I
didn't
see
a
credit
score
and
also
if
they
you
know-
and
it
was
a
great
explanation
about
medical
bills
and
that
sort
of
thing
and
then
we
had,
I
believe,
a
verbal
about
how
many
jobs
were
created
or
retained.
K
Everything
else
and
the
technical
assistance
pieces
is
very
key.
I
always
like
to
look
at
it.
I'm
just
trying
to
give
a
rationale
of
how
why
this
form
was
conceived,
how
we'd
like
to
use
it
and
try
to
make
it
as
impersonal
as
possible
to
not
violate
pride,
the
privacy
act
and
any
other
special
comments.
K
So
I
guess
the
first
question
that
I
have
is.
I
thought
this
form
was
already
approved
by
this
body.
I
know
that
it
was
sent
to
the
attorney
because
we
had
we
had
looked
at
it
and
I
think
we
couched
one
long
in
it-
and
I
guess
because
it
was
kind
of
this-
is
a
small
town.
Asheville
is,
and
you
sort
of
don't
have
a
whole
universe
of
people
who
are
in
business,
not
really
that
maybe
some
personally
it
wasn't
personally
identifiable
it's
just
having
a
knowledge,
a
base,
knowledge
of
who's
out
there.
K
I
think
it
was
sent
on
to
the
city
attorney
to
see
if
it
violated
any
the
privacy
act.
I
don't
believe
it
did.
I've
had
quite
a
bit
of
experience
with
this
sort
of
thing,
not
only
as
far
as
loans,
but
also
as
far
as
the
census
bureau
is
concerned,
one
of
the
things
in
any
lending
situation-
and
this
is
kind
of
unusual,
because
when
you're
on
a
credit
committee
of
a
bank,
they
usually
don't
clothe
the
identity
of
a
borrower.
K
There's
waivers
also
that
larger
agencies
obtain,
like
the
minority
business
development
agency.
If
I'm
a
a
packager
or
I'm
a
consultant,
what
they
will
do
is
they
will
any
client
that
is
signed
and
we
package
for
or
whoever's
packaging
for,
there's
a
waiver
that
every
client
signs.
Now
we
don't
need
to
know
who
these
people
are,
since
the
lenders
are
pretty
much
making
the
decision
on
who
to
lend
to-
and
I
guess
that's
that
party-
that's
in
the
middle,
but
the
only
thing
that
we
want
to
do
really.
K
And
so
those
are
the
only
comments
that
I
have
the
questions
that
I
have
and
I
don't
know
how
y'all
want
to
address
those,
but
I
thought
this
had
already
been
approved
and
I
was
looking
for
these
forms
to
be
sent
out.
K
You
know
so
that
we
could
kind
of
keep
up,
and
you
know
if
we
thought
we
could
help
some
of
the
folks
with
helpful
suggestions
like
we
did.
When
the
initial
one
came
out,
then
fine,
that's
the
first
thing.
The
second
thing
is
I'd
like
to
know
based
on
the
age
of
these
loans,
how
they
are
performing,
because
there
were
quite
a
few
of
them
given
deferments.
A
E
A
H
So
I'm
I'm
a
little
confused
to
be
honest
with
you
as
far
as
what
form
it
is
because
the
form
that
I've
been
presenting
to
you
guys-
I
am-
I
was
under
the
impression
that
that
was
the
only
form
that
was
available
for
us
to
use.
So
that's
the
form
that's
been
used,
that's
the
form
that
dee
and
jane
are
created.
I
believe
so,
I'm
not
sure
of
what
d
means
when
she
says
that
it
has
to
get
approved.
K
I'm
missing,
or
I
was
told
that
it
had
to
be
sent
to
the
attorney
and
was
pending
approval.
I
didn't
know
that
it
was
even
being
used.
H
A
They
have
been
attached
dee.
This
is
land,
they
have
been
yeah
yeah.
So
so
do
you
want
to
address
the
questions
jason
that
she's
had
because
did
you
miss
some
of
the
presentation?
I
think
it
looks
like
it
looked
like
you
were
having
difficulty,
but
yazlin
did
give
us
an
update,
a
brief
update
on
the
loans,
and
what
we've
asked
is
that
we
get
these
quarterly
on
how
the
loans
are
doing
so
jason.
H
So
currently,
all
all
loans
are
current.
None
of
them
are
delinquent,
none
of
them
have
missed
a
payment
and
I've
so
far.
I
have
to
really
go
through
them
and
I'm
pulling
up
my
platform
right
now,
but
I
can
briefly
or
quickly
tell
you
how
many
of
them
have
been
so
in
the
beginning,
mountain
biscuits
deferred
some
pain.
I
believe
it
was
two
months
of
payments,
and
then
we
did
one
month
of
interest.
H
Only
june
july
june
and
july
were
deferred
for
everyone,
and
july
was
interest
only
now
there
was
a
program
under
the
cares
act
where
the
sba
made
payments
for
sba
clients.
H
We
are
a
partner
that
we
work
with
the
sba
and
we
use
sba
funds
to
fund
these
loans
so
because
of
that
a
couple
of
clients
actually
were
actually
got
their
payments
made
by
the
sba,
so
they
did
not
have
to
make
their
payments
again.
I
have
to
go
through
and
see
exactly
how
many
of
them
and
all
in
mind.
We
were
also
a
lender
that
was
doing
ppp.
So
I
a
couple
of
them.
We
actually
were
able
to
do
ppp
funds
or
ppp
loan
for
them
as
well.
H
K
G
I
would
like
to
know
that
I
would
I
mean
that
I
mean
nobody.
I
don't
know
what
y'all
feel
about
it,
but.
A
I
don't
think
that's
something
that
we
can
know
and
help
me
out.
I
could
be
wrong.
K
It
appears
and
I'm
not
sure
whether
or
not
and
it
doesn't
you
know,
I
really
don't
want
to
describe
a
whole
lot
of
value
to
it.
You
don't
want
to
do
it,
but.
A
A
H
Under
the
care
under
the
cares
act
some
of
these
clients,
the
sba
made
their
payments
for.
K
K
D
K
That
we
done
that
had
a
personnel
firm
and
this
one
today
is
that
correct?
Yes,
all
right!
Thank
you.
A
K
Just
the
deferments
and
the
performance,
and
and
that
sort
of
thing
that's
all
and
all-
and
so
all
of
these
minutes-
and
I
don't
know
I've
gotten
some
of
them-
I'm
not
I've-
been
kind
of
in
and
out
here,
but
there's
not
the
five
loans,
but
I'll
go
back
through
all
of
my
documents
for
these
okay
for
this
form.
So
thank
you
for
that.
Okay,
okay,.
H
And
I
was
gonna
ask
if,
if
everyone
wants
to
know
the
status
of
the
loan,
which
is
fine
I'll,
go
ahead
and
I'll
add
another
column
on
that
spreadsheet
that
you
guys
saw
and
put
in
the
status
of
the
loan
if
they're,
delinquent
or
current
okay.
A
E
I'm
sorry,
I
just
had
a
quick
question
just
to
clarify
on
my
end,
I
just
want
to
make
sure
that
the
form
that
d
is
referring
to
is
the
original,
like
intake
form
that
actually
has
all
the
client
data
on
it.
That
was
supposed
to
be
being
used
not
to
be
confused
with
the
form,
which
is
a
spreadsheet.
That
gasoline
presents
every
time
we
meet
to
show
just
very
basic.
This
amount,
am
I
correct
and
assuming
those
are
two
different
things,
and
we
just
and
one
needed
gasoline
formed
not
like
what.
H
D
I
don't
have
a
question
just
a
little
point
of
information
for
everyone.
You
know,
we've
got
so
many
platforms,
people
use
for
the
microsoft
teams
and
the
google
meets
and
everything
if
someone
has
trouble
with
their
internet
connection,
for
example
and
d,
I
sent
you
an
email,
I
don't
know
if
you
got
it
or
not,
I
thought
maybe
you
were
having
trouble
with
your
internet
in
the
meeting
invitation.
D
It
will
say
every
time
join
with
google
meet,
but
then
there
will
be
an
option
to
join
by
phone
right
below
that
and
you
can
just
call
in
you
wouldn't
have
video,
but
generally
what
I
have
found.
If
I'm
having
trouble
with
video,
I
can
call
in
just
on
my
you
know
on
my
cell
phone
and
the
connection
works
fine
for
the
for
the
audio
part.
So
I
just
wanted
to
share
that
in
case
someone
hadn't
seen
that
part
of
the
invitation
thank.
K
H
E
E
K
H
Now
I
do
have
a
question:
is
we
have
to,
I
guess,
get
it
approved
if
I,
if
I
decided
to
transfer
this
information
over
to
a
pdf
document,
because
it's
a
little
difficult
to
in
excel.
So
I
was
wanting
to
that's
repeated
that
yeah.
A
K
I
just
want
to
then
say
thank
you
for
the
opportunity.
I
just
want
everybody
to
know
that
that
form-
and
you
know
we
call
it-
the
farm
was
not
done
to
try
to
be
micromanaging,
but
for
our
own
knowledge
and
edification.
The
worst
thing
in
the
world
is
to
be
on
a
committee
and
not
know
what's
going
on,
so
you
know
that
that
is
what
it
is
for
and
also
to
help
the
clients.
If
we
possibly
can
that's
it.
So
thank
you
all
for
your
tolerance.
I
appreciate
it.
K
A
A
All
right,
I
guess
we
have
to
vote
to
adjourn
them
just
for
formality's
sake.
I'm
gonna
just
run
down
just
to
be
on
the
safe
side.
Tim
had
to
check
out
so
he's
gone
so
barbara.
A
Let's
adjourn
aye
jeff
hi
sam
hi.
I
say
yes,
let's
do
it
robin
definitely
d
hi.
Thank
you
all
for
your
time
and
hope
you
guys
have
a
safe
and
great
holiday
and
I
look
forward
to
seeing
you
all.