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From YouTube: Mountain Community Capital Fund
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A
C
Morning,
everybody
thank
you
for
joining
us
for
the
june
4th
mountain
community
capital
fund
operating
committee
meeting
great
to
see
you
all
with
us
before
we
jump
into
the
agenda.
I
want
to
go
around
and
do
a
quick
round
of
intros.
If
you
could,
please
state
your
name
to
position
if
you're
and
if
you
are
a
voting
member
or
if
you're
one
of
our
lenders
or
if
you
are
one
of
our
liaisons,
that
would
be
great
so
quickly,
I'm
jeff
kaplan.
C
C
C
Can't
hear
lynn,
can
anybody
hear
one
okay,
lynn,
welcome
back
to
you
next
to
my
list
is
joseline.
E
F
G
Morning,
everyone,
tony
mcdowell,
finance
director
for
the
city
of
asheville
and
I'm
a
voting.
C
Thank
you
so
much
glad
to
have
you
with
us
today.
Zuri
have
you
next
to
my
list.
I
K
C
C
C
In
no,
I
don't
believe
we
have
lynn
it's
one,
two,
three,
four
five
six.
So
therefore
I
have
six
voting
members,
so
we're
still
at
quorum,
so
we
can
proceed
and
we'll
see
if
lynn
can
make
it
back
on
very
good.
If
you
look
at
our
agenda
and
angelica,
what
would.
G
C
C
Has
everyone
had
a
chance
to
review
the
minutes
and
may
ask?
Is
anyone
taking
minutes
this
morning.
C
G
F
C
Okay,
then,
I
will
looks
like
the
motion
is
approved
to
approve
the
minutes.
Thank
you
very
much.
Okay.
The
next
item
on
our
agenda
is,
I
can
pull
this
out
is
an
update
for
me.
Follow
up
on
grant
process.
I
sent
out
an
email
to
you
all
regarding
the
need
to
fill
out
a
survey
form
as
part
of
the
dogwood
health
trust,
bogwood
health
trusts
pre-application.
It's
pretty
simple
formulas,
two
questions
asking
about
the
diversity
of
the
board
and
I
have
seven
responses
so
far
and
there's
eight
members
of
the
board.
C
So
what
have
you
have
until
the
end
of
actually
seven
members
of
the
board
right
because
yourself
an
open
position?
So
I
guess
that
would
fill
it
out,
but
here
are
the
results,
and
this
is
how
it'll
be
reported
in
the
in
the
application
along
these
metrics.
Just
these
numbers,
it's
anonymized.
Is
this
look
good
to
everyone?
Any
changes,
any
edits.
Any
questions
concerns.
C
K
Jeff,
this
is
rachel
with
a
question
so
with
the
grant
process
with
dogwood
health
trust.
This
is
essentially
the
sort
of
initial
inquiry
stage,
not
a
grant
application.
I
understand
that
have
we
are.
Are
we
being
asked
to
articulate
something
specific
in
terms
of
a
dollar
amount,
or
anything
like
that?
At
this
point,
or
it's
just
a
opening
of
a
conversation.
C
That's
right:
this
is
the
opening
of
a
conversation,
so
they
want
to
understand
who
the
organization
is.
It's
simple
text
like
our
mission
objectives,
which
were
pulled
from
our
landing
page.
C
I
don't
even
have
to
ask
any
history
of
the
of
the
fund
and
what
we've
done
I've
put
in
some
details
about
the
number
of
loans
we've
given
out
our
structure,
the
funding,
the
agreement,
the
oversight
from
the
community
and
then
the
goal
is
to
get
in
the
door
right
this
is
they
created
a
new
portal
because
they're
getting
so
much
inbound
requests?
K
Yeah
got
it.
Thank
you.
I
also
want
to
ask
if
this
is
an
okay
time
to
add
just
a
note
about
other
possible
fundraising,
just
a
I
don't
it's
not
a
long
discussion,
but
updating,
but
it's
not
dogwood
health
trust
related.
C
I
don't
see
why
not.
The
next
item
on
our
agenda
is
revaluating
guaranteed
percentages
on
loans,
so
that
seems
to
be
a
similar
topic
and
we
did
we.
This
was
brought
up
last
month
with
the
american
rescue
plants.
Maybe
that's
where
you're
going
with
it.
It.
K
Sure
so
american
rescue
plan
you
mentioned
is
the
the
overall
federal
aid
package
that
has
various
funding
streams.
One
of
those
funding
streams
within
american
rescue
plan
is
state
and
local
fiscal
recovery
funds.
That's
the
direct
assistance
to
governments,
including
every
state,
every
county,
every
city
town,
so
all
of
our
entities
are
in
the
process
of
planning
around
what
what
those
potential
uses
of
funds
could
be.
Buncombe
county's
approach
is
to
solicit
project
applications,
so
we
just
opened
in
our
fp.
K
That's
a
request
for
proposals
this
week
and
it's
open
for
about
six
weeks
and
due
july
15th
people
can
go
to
buncombecounty.org
recovery
funding
for
more
information,
but
please
the
way
that
it
relates
here.
Please
know
that
we're
strategizing
about,
could
mountain
community
capital
fund
be
a
potential
use
of
funds
and
looking
at
whether
that
proposed,
you
know
who
would
be
the
right
entity
to
submit
that
proposal
so
that
we
can
get
it
into
the
list
for
evaluation
and
consideration.
K
Overall,
we're
looking
to
use
these
funds
for
recovery
from
covid
and
its
negative
economic
impacts,
with
particular
emphasis
on
an
equitable
recovery
for
most
impacted
populations
and
on
the
whole.
The
type
of
work
and
the
type
of
impact
created
by
mountain
community
capital
fund
does
seem
like
a
great
fit.
So
we're
just
sort
of
assessing
the
details
of
that
again
and
trying
to
see
exactly
how
we
can
get
it
in
submitted
for
review.
So
that's
an
update
and
we'll
keep
the
post
right.
C
Can
I
ask
you
a
very
pointed
question
because
I
was
reading
the
rfp
last
night
and
I
think
you
were
referencing
a
comment
in
there
that
entities
can
only
submit
one
application
so,
for
example,
I'm
gonna,
I'm
gonna
pick
on
mountain
biz
works.
If
I
may
like,
I
expect
that
they
would,
you
know,
have
their
own
application
for
either
funding
or
programming.
You
know
opportunities,
so
they
couldn't
be
the
lead,
for
example,
on
this
request
through
mccf
could
mccf
itself
be
an
entity?
I
guess
that's
the
right
question.
K
I
don't
think
the
mccf
is
an
entity
and
it's
in
itself.
It
needs
to
be
to
be
eligible,
a
non-profit
organization
or
a
public
body,
and
so
you
write
there's
a
fair
bit
of
strategizing.
That
groups
need
to
do
to
sort
of
figure
out
which
is
their
most
their
their
their
most
pressing
highest
priority,
most
ready
to
go
project
that
they
think
would
be
a
great
fit
for
the
funds.
K
C
Great
that's
very
important
to
know,
and
that
should
be
an
action
item
before
the
next
meeting,
which
would
be
a
week
maybe
10
days
before
the
application.
Rfp
response
would
be
due
so
it'd
probably
fall
on
one
of.
K
Our
committee
members,
if
anyone
would
like
to
talk
about
it,
they
can
reach
out
to
tim
or
I
and
we'll
be
happy
to
have
a
conversation
with
you.
C
Well
I'll
go
as
far
as
to
say
I
think
it'd
be
a
missed
opportunity.
If
we
did
not
submit
an
application,
it
seems
like
a
no
loss.
No
fault
thing
to
do
it's
just
a
matter
of
organizing
strategically.
As
you
said,
rachel.
K
Do
you
feel
comfortable
that
we
you
and
I
agree
to
work
with
folks
to
ensure
that
someone
agrees
to
be
the
submitter.
A
Yeah
I
do,
and
I
I
also
think
it
would
be
a
great
thing
to
see
that
a
proposal
come
from
a
third
party,
namely
a
cdf5,
rather
than
be
treated
as
like
a
governmental
request.
It
won't
make
it
any
more
favorable.
C
Well,
let
me
ask
one
more
question,
then,
if
I
may,
since
we're
on
the
topic,
let's
say
one
of
our
cdf
files
is
putting
in
a
request,
could
be
increased,
be
increased.
Let's
say
it's
for
for
argument's
sake,
10
million
dollar
request
and
they're
gonna
earmark
one
million
dollars
to
mccf.
Could
they
go
larger
or
is
it
one
ask
or
one
what
kind
of
scope
can
they
look
at
in
the
request.
K
I
would
be
happy
to
respond
to
that.
This
is
rachel
again,
it's
all
about
how
an
organization
decides
to
frame
what
what
constitutes
a
project.
So
sometimes
projects
do
have
multiple
components,
and
that
could
be
a
way
to
structure
it.
It
would
be
probably
easiest
to
have
a
one-on-one
conversation.
K
We
don't
we
don't
want
to
make
an
ask
to
any
organization
to
please
prioritize
this
above
another
project
that
you
might
think
is
a
higher
priority,
but
we
are
in
conversation
with
the
cdfis.
Those
are
the
community
development
financial
institutions
who
are
part
of
this
group
to
find
out
if
any
of
them
any
of
your
organizations
feels
prepared
to
submit
this
we'll
work
with
you.
E
I
know
that
matt,
our
executive
director
is
in
conversation
with
dogwood
health
trust
as
well,
but
I
don't
know
what
what
that
looks
like
at
this
time
so
or
how
what
what
that
process
is.
So
I
know
that
he
has
thoughts
about
it.
D
I
am
also
in
I
guess,
negotiations
with
dogwood
health
trust
specifically
for
another
community:
it's
not
a
cdfi's
community
based
organization
and
also
with
a
cra
negotiation
with
first
citizens
bank.
D
So
I
guess
my
question
goes
to
and
I
guess
rachel
or
I
guess
tim.
I
need
to
talk
offline
too.
There
are
some
c
community-based
organizations
that
are
not
as
large
as
the
cdfis,
but
they
have
a
peculiar
bent
in
that
they
are
positioned
to
do
technical
assistance
in
a
way
that,
based
on
the
data
that
we
may
be
more
effective
or
they
may
be
more
effective,
I'm
working
with
several.
D
K
Yep,
it
sure
does
so
they
all
are
welcome
again
go
to
buncombecounty.org
recovery
funding.
There
is
a
workshop
coming
up
on
the
17th
that
you
can
read
about
and
sign
up
for,
and
I
and
I'm
conscious
that
I
sort
of
slid
this
agenda
item
in
during
another
funding
conversation
and
don't
want
to.
K
C
Well,
rachel,
I
I'm
glad
you
brought
it
up,
it's
it's
something
that's
been
top
of
my
mind
and
it
seems
a
great
opportunity
here
and
a
real
natural
alignment
for
the
goals
of
how
to
use
those
recovery
funds
and
this
operating
committee.
So
thank
you
for
just
what's
the
right
word
to
use
here
for
just
jumping
in
and
taking
over
the
agenda
glad
you
did.
I
Hey
rachel,
really
quick:
this
is
zuri
from
carolina
small
business
at
the
western
women's
business
center
and
I
am
planning
to
attend
the
webinar
just
a
quick
question.
So
can
we
apply
and
do
this
in
collaboration
with
other
non-profits
like
in
this
case,
if
the
western
women's
business
center
apply?
K
Yep
collaborations
are
encouraged,
so
drop
me
a
line,
and
we
can
talk
further
about
that.
Okay,
perfect,
thank.
I
C
That's
like
my
favorite
sentences
of
all
time.
Collaboration
is
encouraged.
It
truly
is
anything
else
on
this
topic
or
you
guys
want
to
briefly
we'll
get
a
little
behind
now
talk
about
reevaluating
guarantee
percentages
on
loans.
C
I
will
take
the
cue
of
silence
to
move
forward
so
friends,
committee,
members,
city
and
county
representatives.
I
think
it's
time
to
fish
or
cut
bait.
As
they
say,
we've
had
this
item
on
our
agenda
three
or
four
months
now,
and
we
gotta
just
figure
out.
Are
we
gonna
address
the
loan
percentage
guarantees
that
would
allow
to
flow
more
capital
and
change
our
bylaws
or
we're
going
to
leave
it
the
way
it
is.
D
I
think
it
came
up
in
some
of
the
reports.
This
is
d
williams
and
I
think
there
was
some
discussion
about
the
percentage
whether
to
reduce
that
percentage.
I
do
remember
that
I
don't
know
I've
forgotten
the
specifics,
but
I
think
it
comes
with
the
analysis
of
the
loans
and
I
guess
the
threshold
of
risk
or
whatever,
based
on
the
loans
that
we've
seen
go
forward.
One
of
the
things
that
I
think-
and
this
is
I'm
just
speaking
for
me-
is-
I
don't
have
a
lot
of
information
about
how
those
loans
are
performing.
D
You
know
I,
I
trust
people's
financials,
but
I
like
tax
returns,
a
whole
lot
better.
So
I
think
there,
even
if
you
got
an
extension,
it
would
be
like
maybe
september
or
something
before
you
would
even
be
due
to
turn
in
a
tax
return.
So
I
don't
know
if
we've
had
enough
time,
I
mean
it's
been,
I'm
just
saying
we
don't
have
enough
information.
At
least
I
don't
with
which
to
make
an
informed
decision
thanks.
C
Dee,
thank
you
so
much
for
those
comments.
Can
I
read
into
that
that
we
should
move
this
conversation
to
maybe
later
quarter
four,
when
we
have
some
data
and
time
and
filings
to
see
how
the
loans
are
performing
before
we
come
back
to
changing
the
loan
percentages.
J
Tax
documents,
if
anything,
that's
given
to
us,
becomes
public
records,
we
cannot
request
those
documents
I
mean
jocelyn
can
see
them.
She
can
review
them
and
give
us
a
a
some
information
about
him,
but
we
as
public
entity
we
can
become
public
records
and
I'm
afraid
that
by
us
requesting
certain
information,
we
discussed
this
at
the
beginning
of
the
of
the
month
and
community
capital
fund
how
to
maintain
the
the
privacy
of
the
borrowers.
D
So
we
know
that
we
know
that
they,
the
intermediary,
is
one
of
the
cdfis
and
the
cdfis
have
access.
If
they
don't
have
most
banks,
most
lending
institutions
are
going
to
see
a
tax
return,
that's
part
of
the
deal,
and
so
even
if
we
didn't
have
tax
returns
to
say
I
mean
they
can
be
rejected.
You
all
know
about
redactions
and
stuff,
like
that,
all
I'm
saying
is:
what
do
you
go
by
if
you
don't
have
a
tax
return?
What
are
you
gonna
go
by
audited
financial
statements?
D
How
do
you
discern
what
is
truth
and
what
is
not
I
mean
anybody
can
prepare
a
I
mean
if
you
want
to
just
trust,
prepared,
financials
or
whatever
or
something
they
come
up
with
fine,
but
I'm
not
asking
that
we
look
at
those
returns.
D
I
you
know,
I
know
about
public
information
laws,
but
certainly
the
lender
has
those
and
when
I
the
form
that
we
have
does
ask
for
profit
and
loss,
and
we
ask
what
documents
you're
using
now,
if
you
say
that
they
had
a
net
profit
or
net
loss,
surely
the
cdfi
ought
to
be
able
to
go
back
to
a
schedule
c
or
11
20
or
whatever?
It
is
a
1065,
whatever
they're
using
to
report
that
data,
and
I
would
hope
that
it
would
be
that
verifiable,
there's
always
a
way
around
stuff.
J
E
And,
of
course,
the
lenders
collect,
we
collect
all
of
that
information.
We
collect
quarterly
financial
statements
and
we
collect
annual
tax
returns,
so
those
are
in
our
files.
E
I
don't
know
if
dee
saw
it,
but
a
updated
spreadsheet
with
the
updated
data
was
sent
out.
I
don't
know
if
many
of
you
have
had
access
to
that
or
have
been
able
to
view
it,
but
that
information
did
go
out.
I
believe
it
was
last
month.
K
Yes,
then,
if
you
have
a
perspective
on
sort
of
the
general
concept,
I
know
that
you're
one
of
the
folks
that's
most
involved
in
the
detailed
level
of
the
program
on
a
on
a
more
regular
basis
than
many
of
us
at
the
table
and
just
sort
of
philosophically
around
the
concept
of
this
guarantee
percentage.
Do
you
have
what
are
your
thoughts.
E
Yeah,
so
you
know
this,
we
work
with
the
sba
as
well
in
a
similar
in
a
similar
program.
Of
course,
it's
a
federal
program,
so
there's
a
lot
more
involved
and
more
complex
deals.
However,
the
guarantee
percentage
stays
the
same
and,
of
course,
the
guarantee.
The
percentage
is
only
guaranteed
on
the
balance,
that's
due
not
on
the
entire
amount.
E
So
even
if
the
loan
percentage
stays
at
85
percent,
because
the
loan
balance
gets
lower
and
lower
as
they
repay
that
that
amount
of
money
that's
paid
back
goes
back
into
the
into
the
pool.
So
on
the
report
that
I
had
sent
out,
you
can
see
there's
a
there's,
a
section
of
just
guarantee
loan
amount
up
to
date.
E
I
think
the
last
one
that
has
sent
was
for
the
first
quarter,
so
it
was
through
the
end
of
march
and
since
in
the
agreement
it
says
that
reports
have
to
be
sent
out
every
quarter,
that's
kind
of
that's
what
we're
basing
it
on.
E
So
I
mean
either
way
money
is
going
back
into
the
pool
and
so
far
I
believe.
As
of
march,
there
was
a
total
of
about
10
000
that
went
back
into
the
mccf
loan
pool.
A
Hey
everyone,
this
is
tim.
I
apologize
for
being
quiet.
I
kind
of
rolled
this
out
in
a
few
months
back.
I
think
what
jason
described
makes
a
lot
of
sense
and
I
think,
addresses
my
initial
question,
because
there
were
two,
you
know:
should
the
guarantee
percentage
change
and
I
think
the
cdfis
don't
feel
that
that's
appropriate,
given
the
the
risk.
A
It
was
really
important
to
make
sure
that
we're
continuing
to
see
this
report
that
jazlyn's
developed,
which
I
think,
makes
a
lot
of
sense
and
that
way
we're
all
aware
of.
What's.
A
In
the
most
real-time
basis
that
we
can
get
to,
because
that's
a
critical
thing
for
our
roles
and
responsibilities
on
this
committee,
but
also
as
we're
beginning
to
ask
for
additional
funds
from
other
organizations
to
be
able
to
say
clearly
where
we
are
and
and
how
the
funds
are
working,
so
I've
rambled
a
bit
there
but
jason.
I
appreciate
all
you've
done
on
this.
A
It
to
me
feels
like
we're
moving
in
the
right
direction,
and
I
would
ask
that
we
just
continue
to
present
that
data
formally
in
this
meeting
this
committee
meeting.
Just
so,
we
all
know
kind
of
the
latest
and
greatest
as
it
relates
to
balances
and
status
of
loans.
Things
like
that.
F
C
Anything
else
to
discuss
on
this
topic,
or
should
we
move
on
to
the
new
business.
C
All
right
sounds
good
lynn
was
that
your
voice
say
keep
rolling.
F
So
this
is
awkward
because
I'm
doing
this
by
phone,
so
I
guess
we'll
just
go
down
the
list
of
officers
for
vice
president
vice
chair
and
secretary.
F
C
F
Yes,
I
think
those
are
the
only
that's
the
only
three
we've
had,
so
I
think
I
think
treasurer
is
not
really
needed
because
we
have
our
cdf
eyes
for
that.
So
I
think
it's
just
chair
vice
chair
and
secretary.
C
And
robin
was
our
pr
I'm
I'll
back
up
and
say
that
current
positions
are
your
chair,
I'm
vice
chair
and
robin
was
our
secretary.
That's
correct!
C
We're
looking
at
kind
of
a
full
slate
redo
here:
okay
and
the
positions
can
city
or
county
staff,
as
in
rachel,
tim,
nikki
or
tony
being
his
positions,
or
is
it
just
the
four
appointees.
D
Jump
right
on
there
right
there.
F
Okay,
we
will
close
the
nominations
for
chair
and
I
guess
we
just
vote
because
there's
no
other
recourse
right.
So
can
we
get
a
motion
that
we
will
nominate
and
we
will
put
jeff
kaplan
as
our
chair?
Is
there
a
motion
for
that.
F
I'm
on
the
phone,
so
I
can't
see
you
yes,
lynn.
This
is
nikki,
okay,
awesome,
so
it's
been
moved
and
properly.
Second,
all
of
those
in
favor
that
jeff
kaplan
become
our
new
chair
of
the
mountain
community
capital
fund.
Please
state
your
name
and
letter
and
give
your
yay
or
name
so.
I'm
lynne-
and
I
say
yay
tim
love.
G
F
C
C
Thank
you
and
I'll
take
this
opportunity
to
say
from
strength
to
strength.
Thank
you,
lynn,
from
your
leadership
and
guidance,
and
support
been
able
to
step
into
the
role.
Thank
you
very
much,
and
thank
you
all
for
your.
Thank
you.
F
So
now
we'll
open
up
the
floor
for
nominations
for
vice
chair,
and
I
also
want
to
note
you
can
nominate
yourself.
We
haven't
had
a
chance
to
to
get
anyone
to
kind
of
say
if
they
want
these
roles.
So
if
these
are
things,
you're
interested
in
feel
free
to
go
ahead
and
nominate
yourself.
So
the
floor
is
now
open
for
nominations
for
our
vice.
F
C
As
a
former
vice
chair,
let
me
tell
you
all
it's
a
real
it's
a
real
cush
position
so.
F
Yeah
because
you'll
really
just
feel
in
in
the
event
jeff
can't
make
the
meeting,
and
this
is
a
good
opportunity
for
you
to
kind
of
just
step
out
of
your
comfort
zone
and
just
give
it
a
shot.
I
had
no
idea
what
I
was
doing
when
I
started
but
it'll
come
to
you,
so
I'm
just
encouraging
someone
to
step
forward.
I
don't
want
to
nominate
anyone,
but
I.
J
A
F
Okay,
we'll
close
the
floor
for
nominations
for
vice
chair?
Is
there
a
motion
to
appoint
or
elect
tim
love
for
our
vice
chair
position,
yep.
F
A
C
G
F
So
the
next
nomination
we're
opening
up
the
floor
for
nominations
for
the
role
of
secretary.
Is
there
any
nominations
for
the
role
of
secretary
again
feel
free
to
nominate
someone
else
or
nominate
yourself.
J
I
want
to
say
that
if
the
secretary
cannot
meet
their
responsibilities
for
a
meeting
or
something
on
the
backup
so
and
you
don't
have
to
format
the
minutes
perfect
or
anything,
just
rough
minutes-
and
I
usually
well
that's
when
I
did
the
agenda-
I
don't
they
can
still
be
sent
to
me,
I'm
here
as
a
resource
right,
so
they
can
still
be
sent
to
me
and
I'll
format
him
for
the
as
the
mountain
community,
capital
fund
format
goes
and
then
I'll
share
them
back
with
him
to
share
with
the
group.
F
C
F
C
F
F
So
if
you're
thinking
to
nominate,
I
don't
want
to
be
the
one
nominating
everyone,
so
it's
their
open
nomination
for
someone
else
for
a
secretary.
F
C
F
C
I
think
that's
a
great
idea
and
then
we
can
reevaluate,
perhaps
nikki
or
tony
or
d
or
rachel,
or
this
new
person
may
want
to
step
in
royal
secretary.
I
think,
if
with
you
as
interim
secretary,
I'm
very
comfortable
to
close
this
agenda
item
and
move
forward.
F
F
C
G
F
Thank
you
all.
So
we
have
our
officers
and
interim
officers
for
the
coming
turns
so
jeff,
chair,
jeff
I'll
turn
it
back
over
to
you.
J
C
Two
year
term
is
that
right,
yeah,
two
years:
okay,
all
right
with
that
we're
going
to
loan
presentations
jazlyn,
you
have
the
floor.
C
Very
good
moving
on
to
the
next
agenda
item.
Actually,
if
on
before,
we
do
that,
the
last
meeting
we
did
not
have
a
quorum
to
approve
a
vote.
Is
that
right
or
did
we
did
someone
log
in
at
the
end?
What
happened.
C
So
we're
covered
there
great,
very
good.
In
that
case,
we'll
move
on
to
agenda
item
new
business
number
three
review
of
proposed
data
collection
form
yasolin
once
again,
you're
up.
E
Yeah,
so
not
sure
if
everybody
get
a
chance
to
review
or
take
a
look
at
the
proposed
data
collection
form
that
was
sent
out.
Yes,.
C
E
E
So
I
mean
pretty
much
everything
that
was
on
the
other
form
has
been
added
on
here,
and
there
is
a
little
bit
more.
I
feel
like
information
that
it
gives
you
to
really
take
a
look
and
see
and
get
a
better
idea
of
what
this
business
looks
like
overall,
so
we've
got:
let's
go
back
up
here.
We
got
the
loan
amount.
E
We've
got
the
relationship
manager
for
at
the
at
each
respective
lender,
if
that,
if
it's
a
refi
here
where
it's
located,
what
it's
for,
if
it's
an
existing
or
startup
the
mission,
fit
the
job
creation
part
the
reason
why
they're
not
eligible
for
bank
funding
and
site
visit
information
or
details
and
down
here
we
have
the
guarantee
amount.
E
The
amount
of
the
loan
total.
What
type
of
loan
it
is,
the
terms
amortization,
the
fees
that
will
be
collected
and
then
the
risk
assessment
as
well
credit
score
collateral,
technical
assistance,
information
and
then
revenue
information
and
then
ebitda
or
debt
service
coverage
ratios
and
then
their
payment
amount.
D
This
is
d
williams,
there's
a
demographic
information
in
there
too,
I'm
on
a
phone
here,
okay,
so
it's
pretty
similar
to
the
one
that
we
came
up
with
initially
primarily,
and
I
just
wanted
to
say
that
the
only
reason
why
we
came
up
with
anything
anyway
was
to
sort
of
like
collect
information
so
that
we
would
have
it
and
it
could
almost
be
built
like
real
time.
D
So
I
mean
I
don't
have
a
problem
with
this
update
or
whatever
you
call
it
just
as
long
as
we
get
them
and
that's
you
know
it's.
It's
all
good.
C
Yazlin,
if
I
may
be
pedantic
for
a
moment,
if
you
wouldn't
mind
on
the
second
page,
I
was
looking
at
risk
rating.
You
have
a
rating
of
three
I'm
not
like
a
one
out
of
five
scale:
five
being
high
or
one
out
of
ten.
What
do
you
consider
risk
ratings.
E
So
the
risk
rating
is
really
for
it's,
the
what
mountain
best
works,
uses
to
to
rate
or
the
the
at
the
risk
asset
for
each
loan.
Three
is
kind
of
like
the
mid
one.
It
would
be
super
low
risk
and
then
six
with
the
you
know
at
risk
or
riskier.
So.
G
C
What's
high,
what's
low,
very
good
yeah,
if
I
can
ask
you
one
more
question,
the
ebitda
and
dscr
question
I'm
familiar
with
ebitda
dscr.
So
is
debt
service
credit
ratio?
Can
you
tell
me
a
little
bit
about
that
yeah.
E
That
service
coverage
ratio
is
pretty
much
the
ratio
of
how
many
times
they
can
make
the
payment
based
on
their
revenue,
so
they
are
able
to
afford
their
payment
point
two
time,
two
six
times:
monthly
mm-hmm,
so
yeah.
C
And
is
there
an
industry
dscr
that
you
wanna,
see
like
is
is
five
ideal,
for
example,
or.
E
D
E
That
is
based
on
projections,
financial
projections
and
those
projections
are
generated
by
whom
the
lender
and
the
client,
together
and
or
a.
C
Coach
and
I
typically
see
ebitda
as
a
percentage,
you
know
which
isn't
terrible,
I
mean
or
not
a
big
deal.
I
think
what
the
important
one
here
is.
The
dscr,
which
I
think
is
a
pretty
important
metric.
E
C
H
This
is
karen
from
self-help.
I
just
one
comment,
so
I
knew
right
now,
and
so
this
may
be
moved
that
not
viswer
sailing
we're
doing
lending
if
the
program
the
intent
is
to
grow
over
the
years
and
have
other
other
lenders
decide
to
participate.
H
E
I
mean
they
can
I
I'm
we're
okay
with
sending
this
out,
and
you
know
some
of
the
items
that
they
made.
It
may
not
pertain
to
the
business,
can
just
be
omitted
or
if
it's
not
applicable,
it
won't
be,
but
for
the
most
part
I
think
it's
general
information,
you
know
if
they
don't,
if
they
don't
perform
any
kind
of
site
visits,
then
just
be
not
applicable
and
or.
E
I
don't
know
the
fund
type
risk
rating
so
that
those
kind
of
kinds
of
things
can
be
admitted
but
or
I
can
go
ahead
and
take
those
out.
I
don't
know
if
the
committee
wants
to
do
that,
but
the
the
purpose
of
this
is
to
just
have
information
as
possible.
E
That
is,
of
course
confidential
and
or
we
won't
be
sharing
any
public
information
on
here,
but
have
the
committee
just
really
have
a
better
idea
of
what
type
of
loans
we're
doing
and
or
more
information
of
the
business
as
as
much
as
that
was
possible
without
without
providing
any
any
private
information?
E
E
E
I'm
proposing
that
this
would
be
used
for
the
future
once
since
the
template
for
the
other
loans
have
already
been
approved,
I
don't.
I
think
it
would
be
best
to
just
move
forward
with
all
the
future
requests
and
with
the
like.
If
the
lenders
have
any
other
suggestions
that
they
may
some
of
the
items
that
they
may
want
to
remove
from
the
template
and
or
add
I'm
happy
to
to
meet
with
with
the
lenders
and
look
it
over
to
see.
If
you
know
we
can
change
it
so.
E
K
And
karen
brought
up
a
topic,
just
sort
of
peripherally
that
I
think
is
important
and
I
just
want
to
name
so
we
don't
lose
and
in
and
have
it
come
up
for
future
discussion,
whether
in
this
setting
or
offline
and
report
back
to
this
setting
but
sort
of
exploring
what
gets
in
the
way
of
the
other
two
lenders
participating
at
the
level
that
mountain
bizworks
does
participate.
We
do
have
three
lenders,
but
only
one
active
and
as
a
member
of
the
committee,
I'm
not
sure
that
I'm
up
to
speed
with
what
those
barriers
are.
D
This
is
dee
williams.
I
that
question-
and
I
know
you
can't
answer
me
back
on
an
email,
but
I
asked
what
barriers
there
were.
Is
there
a
manpower
shortage
or
you
know,
there's
one
everywhere
else
so
from
the
other
lenders
participating
and
also
this
form
was
designed.
D
I
used
to
use
something
a
derivation
of
it,
so
jane
hadley
and
I
got
together
and
put
this
thing
together
when
we
started
so
that
we
would
have
a
point
of
information
most
of
us
from
time
to
time
until
about
right
now,
don't
even
know
how
many
loans
we
had
outstanding,
we
was
kind
of
a
guest
in
the
neighborhood
of
has
one
been
done
for
the
loan
that
was
approved
at
the
last
meeting,
and
if
so,
can
we
have
that
information
sent
to
us
with
the
minutes
as
an
attachment
or
something
that
we
can
have
to
look
at
and
the
other
part,
like
the
rachel's
question
that
I
asked
in
the
email
was.
D
Is
there
a
particular
reason?
I'm
usually
a
bad
boy
out
here,
I'll
ask
the
questions.
Nobody
else
will
ask
and
a
lot
of
times
it's
done
via
email
so
that
we
kind
of
know
what's
going
on.
So
those
are
my
questions
and
I
would
certainly
just
entertain
you
answering
them
if
you
can
thanks.
C
Do
you
mean
I
want
to
go
back
to
one
of
the
there's
a
handful
on
there,
but
can
you
put
the
loan
tracking
in
the
minutes
and
I
don't
know
if
anyone
in
the
call
can
answer
that
question?
I
don't
know
I'm
not
sure
if
we
can
or
can't.
D
I'm
not
sure
if
I'm
asking
about
the
loan
tracking
so
much
as
we
need
to
know
what
number
alone
it
is,
I
think
last
week
might
have
been
number
nine
and
prior
to
that,
we
were
sent
out
a
whole
litany
of
everything
from
day
one
up
through
the
eighth
loan
and
it's
kind
of
like
it's
a
matter
of
just
integrity.
If
you're
an
oversight
or
an
operating
committee,
you
usually
know
how
many
loans
are
in
a
portfolio
and
you
usually
kind
of
know
something
specific
about
them
and
I'm
wondering.
D
E
And
there
was
an
email
also
sent
out
with
the
data
with
the
data
so
far,
but
for
all
of
the
loans
and
the
guarantee
amount.
So
that's
been
sent
out.
E
D
I
guess
I'm
missing
a
sheet
and
I
probably
need
to
go
look
for
it.
Thanks.
K
C
G
C
K
E
And
I
think
you
cut
off
earlier,
but
the
data
is
is
going
to
be
shared
every
quarter,
so
the
data
that
had
that
was
shared
was
data
from
january
through
march.
So
it's
one
once
a
quarter
that
will
be
sent
out.
D
E
What
the
the
I
don't
mean
for
it,
but
the
report
of
the
current
loans,
the
pass
of
the
balance
loan
guarantee
and
all
that
information
can.
D
You
just
send
the
sheets
out,
because,
if
we're
able
to
prove
something,
we
need
to
know
what
we're
approving.
E
D
D
And
the
other
question
and
thank
you
rachel
for
interpreting
for
me
I
sometimes
don't
get
understood,
but
is
there
any
reason
why
the
other
lenders
haven't
participated
in
making
any
of
the
loans.
A
A
J
I'll
gladly
work
with
you
guys
send
the
information
to
me
always
make
it
a
habit
to
include
me
in
the
emails
just
remember
when
we
cannot
discuss
certain
information
as
a
group
through
email.
So
when
you
email,
you
cannot
email,
asking
questions
or
or
or
stuff
like
that
to
the
entire
group
it
could
you
just
can't
do
that.
But
if
you
email
information
to
me,
I
can
include
it
and
pass
it
along.
J
K
Yep,
so
this
is
rachel
and
to
restate
what
I
was
suggesting
is
that
these
loan
sheets
or
the
data
reports
that
come
out
quarterly,
that
we
that
we
just
put
in
the
meeting
packet
because
that's
already
built
into
the
website
and
should
be
easy
to
do.
K
K
We're
jumping
all
over
the
place,
and
I
know
that
it's
10
28..
I
also
want
to
say
out
loud.
We
never
closed
the
conversation
on
branding
logo.
That
was
that
was
a
loose
end.
From
last
time
we
didn't
have
a
quorum
so
to
our
new
chair.
Please
hear
that.
K
So
when
agenda
development
occurs,
maybe
we
can
talk
website,
content
and
branding
and
wrap
that
into
a
future
conversation,
and
I'm
very
interested
like
d
is-
and
I
certainly
never
would
try
to
be
an
interpreter
for
you
dee,
but
I
I
do
share
your
interest
in
you
know
just
understanding.
C
Rachel
and
dee,
thank
you
so
much.
Let
me
let
me
address
a
couple
things.
First,
rosanna.
Can
we
on
the
next
agenda
I'll,
put
20
minutes
for
branding
website
and
logo.
J
Lynn
had
taken
over
doing
the
agenda
and
not
me,
so
it's
not
going
for
you
doing
the
agenda
so.
G
Sorry,
this
is
tony
sorry,
it's
hard
to
jump
in.
I've
got
to
jump
to
another
meeting
here
in
just
a
moment.
I'm
just
wondering
it
seems
like
the
meetings
I've
been
to.
We
always
end
up
going
a
little
beyond
10
30..
Do
we
need
to
discuss
extending
the
time,
perhaps
starting
earlier
we're
going
a
little
later.
C
B
One
of
the
increases
is
that
support,
provided
your
public
input
doesn't
begin
through
until
9
a.m,
so
it
is
good
to
have
a
half
an
hour
before
we
begin
the
meeting
to
work
out
any
problems
like
as
we
had
that
issue
today.
It
took
some
time
to
work
out.
J
Thank
you.
Thank
you
guys.
I
I'll
update
the
invitation
and
I
have
one
more
question.
The
next
meeting
is
july,
second
or
first
or
something
like
that,
so
I'm
assuming
some
people
will
be
on
vacation.
C
That's
what
it
is
for
us
well
folks,
would
you
prefer
to
do
it
on
the
second
hold
up
there
move
it
to
july
9th,
which
will
be
the
second
friday
of
the
month,
or
I
guess
the
other
option
is
to
completely
skip
it,
which
I
prefer.
I
think
we've
got
a
handful
items.
We
got
to
jump
on
so
I'd
like
to
have
it
in
july.
B
Please
let
me
check
the
public
meeting
schedule
before
looking
at
july
9th
one
moment.
E
Was
a
decision
or
questions
on
the
data
collection
form
but
yeah?
So
I'm
assuming
that's,
got
to
go
through
lawyers
and
legal
and
all
that
stuff.
K
K
B
G
K
I'm
fine
with
either
date.
Yes,
lynn,
please
let
us
know
if
there's
anything
needed
from
county.
K
C
E
I
hope
I
will
be
out
for
two
two
weeks
and
a
half,
so
I
may
not
have
time
to
get
that
completed,
but
if
not,
we
can
push
it
to
the
next
meeting.
That's
if
that's
okay,
either
way
will
be
sent
out
in
july.
Okay,.
A
D
Is
d
and
I
just
didn't-
I
didn't
get
a
link
to
the
meeting
so
just
add
me
to
the
mailing
list
or
whatever
the
zone
list
by
phone
or
video
or
whatever.
I
just
wanted
to
to
make
that
I
was
waiting
on
one
I
hadn't
I
didn't
get
until
you
sent
it
to
me
just
a
few
minutes
before
the
meeting
so.
C
D
C
I'll
check
the
invite
list
again
sorry
about
that
d.
J
D
J
Right,
thank
you.
Maybe
maybe
it
can
be
added
to
the
top
of
the.
I
don't
know
if
you
can
do
that,
because
if
you
add
it
to
the
top
of
the
agenda,
it
may
open
up
for
anyone
to
join
outside
the
meeting.
C
Very
good
we're
going
to
jump
in
a
public
comment
unless
there's
any
other
comments
or
business
angelica.
May
I
ask
you:
have
there
been
any
pre-recorded
or
emailed
comments.
B
I
have
not
received
any
public
comments,
nor
have
there
been
any
live
callers.
C
B
Yes,
they
won't
be
in
the
meeting.
They'll
be
able
to
speak.
They
won't
be
like
in
the
google
meet
but
they'll
be
participating
via
public
input,
but
that
would
be
good
for
them
to
know
like
if
they're
watching,
gotcha
they'll
hear
that
at
the
beginning
and
know
that
they're
able
to
call
in.
C
All
right
well,
thank
you
all.
So
much
have
a
great
weekend
have
a
great
month
we'll
be
talking
to
some
of
you
in
the
meantime.
Otherwise,
we'll
see
you
either
july,
2nd
or
9th
look
out
for
a
link.
Okay,
thanks
guys,
take
care,
see.