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From YouTube: Mountain Community Capital Fund Operating Committee
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B
Thank
you
very
much
good
morning,
everybody
on
the
committee
and
our
guests
and
anybody
tuning
in
on
youtube.
B
Before
we
begin,
let
me
just
say
happy
early
mother's
day
to
all
the
mothers
on
our
committee
who
are
tuned
in
you
guys
make
the
world
go
around.
So
thank
you
for
being
great
moms
with
that.
Let's
first
begin
by
going
around
the
room
introducing
ourselves
and
then
we
will
approve
minutes
and
jump
into
the
agenda.
Does
that
sound
good
to
everyone
thumbs
up?
If
that
sounds
good,
all
right,
great
well,
I'll
start
off,
I
am
jeff
kaplan.
B
I
work
at
venture
asheville
and
I
am
the
vice
chair
of
the
mountain
capital
community
mountain
community
capital
fund,
I'm
stepping
in
for
lynn
today
chairing
the
meeting.
B
B
Thank
you
so
much
I'm
having
a
testimonial
issue
on
my
screen,
I'm
I'm
blocking
out
it's
coming
up
and
off.
So
if
I,
if
I
disappear
I'll,
be
back,
I
promise
next
on.
My
screen
is
yazlin
gonzalez.
B
Thank
you
very
much.
I
have
two
eight
two,
eight
numbers.
The
first
one
ends
in
zero:
zero,
a
three
the
first
one
ends
in
zero
zero.
Is
that
the
youtube
line.
B
B
D
E
D
Hi
everyone-
this
is
rachel
nygard,
also
from
buncombe
county
government
and
also
joining
by
phone
today,.
B
I
want
just
something
about
the
buncombe
county
computers
that
aren't
letting
us
be
video.
So
I
come
back
to
that
because
I
see
our
city
folks,
tony
mcdowell.
Would
you
like
to
introduce
yourself
and
say
hello.
F
Hey
good
morning,
everybody
tony
mcdowell,
finance
director
for
city
of
asheville.
G
Good
morning
everybody,
my
name
is
dee
williams,
I'm
the
president
of
d,
williamson
company,
incorporated
a
local
business
development
firm.
Thank
you.
B
Thank
you
so
much
dee
next
is
karen
omansky.
I
Morning,
I'm
jesse
maxlon
also
with
self-help,
we're
a
non-voting
member
and
lender.
B
Thank
you
so
much
rosanna
glad
you're
with
us.
I
want
to
make
sure
we
have
enough
voting
members
that
would
be
myself
d,
rachel
tim.
D
B
B
And
if
things
get
wonky
y'all
y'all,
I
think
we're
comfortable
enough
to
just
call
us
out
right
away,
we'll
pause
and
regroup.
B
B
B
Okay,
you
know
people
say.
Hybrid
meetings
are
the
future,
I'm
not
sold
yet
folks,
let's
keep
it
moving.
Here's
today's
agenda
against
may
7th
happy
early
mother's
day
weekend,
also
happy
birthday
to
my
older
brother,
howie.
B
B
I'm
going
to
make
a
request,
sorry
to
go
off
book
here.
I
only
have
three
folks
in
addition
to
me
who
are
showing
their
camera.
So
it's
very
difficult
to
gauge
if,
if
anything's
working
here,
so
if
you
could,
if
you
don't
want
to
share
your
camera
or
you
can't
because
of
tiny,
please
engage
in
the
chat
without
without
some
feedback.
This
is
gonna,
be
a
really
difficult
meeting
to
run.
B
B
I'm
going
to
assume
the
silence
and
zero
engagement
means
that
there's
no
edits
or
changes
to
be
made.
In
that
case,
I
do
need
to
call
for
a
vote
to
approve
the
minutes,
would
emulate
a
motion
to
approve.
F
This
tony
mcdowell.
Second,
thank
you
tony.
B
All
in
favor,
if
you
could
raise
your
hand
in
favor
of
passing,
do
your
hand
went
up.
Is
that
a
question
or
do
you
have
is
that
in
favor
of
passing?
B
Okay,
if
you
could
raise
your
hand
with
the
raise
hand,
button
that'd
be
easy
way
to
quickly
see
from
our
voting
members.
If
this
should
be
approved,
I
guess
tim
and
rachel,
you
can't
you.
Can
there
you
go,
I
see,
hands
we're
good,
so
one,
two
three
and
tony's
hands
are
up
all
right
that
passes
unanimously.
Thank
you.
So
motion
was
by
tim
seconded
by
tony.
B
B
If
not,
I
would
do
my
best
to
keep
minutes
while
running
the
meeting.
I
believe
we
can
do
this
right,
we're
that's
the
entrepreneurial
spirit.
What
brings
us
like
here
today.
B
Okay,
very
good.
I
would
so
now
I'm
up
to
do
a
follow-up
on
the
grant
process
with
dogwood
health.
At
the
last
meeting
I
said
I
would
take
the
first
crack
at.
B
The
online
portal,
a
request
with
dogwood-
and
I
shared
with
chair
lynn,
chairwoman,
lynn,
smith,
sorry,
my
question
really
slow.
Now
I'm
gonna
chase
and
I
need
your
help
so
we're
gonna
do
that
together.
B
B
B
B
B
B
You
know
I
was
blamed
being
a
millennial.
We
won
everything
right
away:
instantaneous
gosh
our
poor
expectations.
Well,
I'm
still
lagging
here.
If
I
scroll
okay,
so
I'm
going
to
review
the
application
with
you
all
it's.
It
says:
10
pages
it'll
go
a
lot
quicker
than
that.
I
promise
first
up
organization
name
tax
id.
I
don't
believe
we
have
a
tax
id-
it's
not
required
right
now,
but
given
that
it's
part
of
the
city
and
the
county
as
a
joint
fund,
I
don't
believe
there
is
a
tax
id
for
this.
B
D
Hey
jess,
this
is
rachel.
Yes,
we
could
do.
We
want
to
make
a
choice
about
a
lead
entity
for
the
purpose
of
just
the
pre-application.
We
could
use
city
of
asheville,
we
could
use
buncombe
county
or
we
could
use
maybe
self-help
ventures
home,
which
is
the
holder
of
the
account
I'd,
be
fine
with
any
of
those
that
we
can
provide
you.
The
tax
id.
B
So
that's
a
great
suggestion
rachel
at
this
time.
I
don't
believe
we
need
to
share
that
much
information
and
this
this
is
a
portal
application.
So
from
here
it's
a
quick
screen
and
a
follow-up
at
that
follow-up.
We
can
be
more
detailed,
but
I
think
you
bring
up
a
good
point
that
the
the
holder
of
of
the
fund
is
would
be
our
lead
on
this,
and
you
say
that
was
self-help.
I
D
I
D
I
We
can
look
at
potentially.
D
Cdfis
quasi
is
a
good
compromise
for
now
and
again,
I
understand
the
same
understanding
as
you.
While
I
can't
see
your
screen,
this
is
rachel
speaking
again
by
the
way.
Well,
I
can't
see
your
screen
what
I
think
that
this
accomplishes
is
the
beginning
of
a
conversation
we
would
get
with
an
impact
officer
and
then
explore
the
details.
B
C
B
Jump
in
we
can
do
this
all
day.
I'd
love
to
european
corporation,
I
chose
2019.
I
think
that's
wrong.
That's
when
our
group
officially
came
together,
but
should
it
be
the
original
date
of
the
the
the
approval
from
the
city
and
the
county
for
this
with
that
barrier
of
incorporation?
Would
that
be
2016
or
17.
G
I'm
so
sorry,
it
looks
like
one
of
the
things
that
they
probably
need
to
do
is
just
if
you're
going
to
decide
that
self-help
is
the
positive
of
the
funds,
is
to
sit
down
with
them
and
probably
do
the
application,
it's
good
to
discuss
and
let
people
you
know
be
pretty
transparent
but,
like
rachel
said,
this
is
only
going
to
initiate
a
conversation
with
dogwood
health
trust,
but
the
specifics
of
you
know
when
this
fund
actually
started
it's
something
that
they
want
to
know
and
probably
the
tax
id
number
of
self-help
credit
union
as
a
repository,
so
I
would
just
say
that,
having
gone
through
quite
a
few
of
these
pre-applications
myself,
that
is
what
I
recommend.
G
B
I
understand
that
dude
there's
a
section
we're
going
to
get
to
where
we
have
to
discuss
the
diversity
of
the
members
of
the
board
by
ethnicity
and
race
and
gender,
and
for
that
reason
I
wanted
to
do
this
with
the
board.
I
couldn't
bring
into
a
subcommittee
nobody,
I
don't.
I
didn't,
feel
comfortable
assuming
or
identifying
anybody
as
anything
and
but
while
we're
getting
there,
you
know
things
like
who
should
be
the
entity
and
what
year
are
we
officially
incorporated?
B
B
All
right
so
anything
else
on
on
the
european
corporation.
This
should
be
pretty
straightforward.
It's
2019
good
enough
for
everyone
all
right.
I
got
a
nod
from
tony
tony
gold
star
for
you,
sir.
Indeed,
thank
you
for
jumping
in
with
some
feedback
man.
C
Hey
jeff
tim
did
note
something
in
the
chat.
The
documents
are
dated
in
2018.
B
B
Very
good
put
myself
as
a
contact
information.
B
So
before
before,
we
actually
ask
anybody
to
identify
as
anything
can
someone
from
the
city
or
the
county.
Tell
me
if
we
can
even
do
this
or
is
there
a
more
appropriate
way
to
ask
people
to
fill
this
part
out,
because
I
don't
I'm
probably
the
right
person
to
say
if
you
are
white,
please
raise
your
hand,
because
I
can
count
you
that
doesn't
feel
right.
So
I
want
to
see
how
do
we
figure
this
out.
B
B
G
It's
just
that
what
people
self-identify
as
I
do
know
that
when
we
ask
for
eeo
reports
from
the
city
or
the
county,
basically
their
procedure
is
to
let
people
self-identify,
I
mean
if
people
don't
feel
comfortable
doing
this,
you
can
put
me
down
because
I'm
gonna
leave
I'm
african-american
or
black
or
whatever.
A
Jeff
my
opinion
not
come,
I'm
not
a
lawyer
or
anything
so
not
speaking
for
that
part
of
things,
but
I
think
it
would
be
most
appropriate
to
check
offline
rather
than
in
public
meeting.
B
So
I
understand
that
and
that's
why
I
was
blind
coming
into
this
meeting.
Would
it
be
appropriate
to
send
everyone
a
survey
I
mean
I
don't
want
to
get
into
an
issue
with
you
know
public
or
private
emails
being
sent
around,
so
any
guy
tell
you
what
let's
just
put
a
pin
this
and
say
if
you
have
guidance
on
this
shoot
me
an
email
of
how
we
should
proceed
and
we'll
proceed
accordingly
and
appropriately.
D
That's
rachel
I
I'll
offer
to
reach
out
to
the
clerk's
office
with
the
county
for
those
appointees
from
county
commissioners.
We
may
have
some
demographic
information
from
the
applications
incomplete.
B
Okay,
very
good,
so
that
those
are
the
last
things
I
needed
in
the
in
the
application
with
dogwood
to
submit
something
and
that's
why
we
haven't
submitted
yet
because
this
is
a
obviously
important
part.
B
D
You're
going
to
get
tired
of
hearing
my
voice,
this
is
rachel.
I
liked
the
suggestion
of
a
subgroup,
presumably
when
dogwood
health
trust
the
application
they'll
be
interested
in
having
a
discussion
with
the
representatives
of
the
group.
So
if
you
could
have
a
couple,
other
folks
volunteer
to
join
you
for
that
conversation.
B
That's
fantastic
rachel,
so
I
do
not
get
tired
of
hearing
from
you
in
that
email
or
whatever
we
go
forward
with
or
to
go
by
identification.
We'll
put
a
call
in
there
to
join
the
subcommittee
per
d
and
yours
suggestions.
F
B
E
So
context
for
this:
in
our
last
meeting
there
was
some
discussion
about
the
logo
and
we
were
able
to
track
down
the
logo.
So
we've
got
this.
We've
used
it
in
some
brochures
in
the
past,
but
in
between
the
time
that
this
looks
sent
to
me.
I'd
already
made
a
request
of
our
communications
folks
and
they
came
back
with
another
draft
example.
So,
since
they'd
already
done
that,
we
thought
we'd
bring
that
here,
I'm
comfortable
with
whatever
the
group
decides.
E
B
B
Apologies
for
the
low
quality,
in
that
it's
a
little
pixelated,
but
I
believe
you
can
both
see
on
the
left
side
of
the
screen,
the
previous
logo
on
the
right
side
of
the
screen,
the
new
logo,
potentially
a
new
logo.
B
B
B
B
E
B
B
E
D
E
B
E
D
You're
talking
about
community
partners,
are
you
specifically
referring
to
potential
funders.
G
D
A
specific
fund
within
that
called
local
fiscal
recovery
funds
and
every
city
and
every
town
and
every
county,
in
addition
to
states
our
reception
of
this
coronavirus
recovery
fund,
we
are
still
waiting
for
information
guidance
from
the
u.s
treasury
about
the
specific
use
allowable
uses
of
the
funds.
But
we
understand
that
they're
recovery
focused
or
impacted
industries
and
business
recovery,
equitable
recovery
or
sort
of
topics
that
are
untable.
D
We
want
to
make
sure
that
as
local
governments,
we're
investing
smartly
and
and
paying
attention
to
other
provisions
that
are
flowing
down
from
the
american
rescue
plan
that
are
that
are
supporting
small
businesses
and
I'm
not
in
a
position
to
commit
where
buncombe
county
is,
is
going
to
make
those
investments.
But
it
seems
like
there's
a
potential
opportunity
here
for
a
conversation
with
the
existing
local
government
partners
or
potential
new
local
government
partners
to
invest
in
this
fund.
So
I
put
that
out
there
tim
does
intergovernmental
work
with
the
county.
D
I
just
wonder
if
that
conversation's
been
opened
and
if
there's
anything
we
can
do
to
advance
it.
F
Hey
hey
rachel.
This
is
tony,
I
think
that's
a
great
point.
I
actually
had
mentioned
that
to
rosanna
when
we
had
our
check
in
a
few
days
ago
and.
F
G
F
B
Rachel,
if
I,
if
I
unders,
maybe
I'm
leaning
too
far
into
this,
it
sounds
like
not
just
buncombe
county
and
asheville
are
getting
relief
funds
from
the
rescue
plan
that
other
counties
are
as
well
and
given
that
our
our
lenders,
you
know
serve
more
than
our
counties
is,
is,
are
you
saying,
there's
potential
there
to
increase
community
partners
from
a
regional
perspective.
D
Yeah,
this
is
rachel
again.
I
think
that
that's
a
potential
that
it
could
happen
regionally.
E
D
Of
our
community
partners
footprints
and
our
our
name
supports
that
our
current
governance
structure
would
have
to
be
kind
of
looked
at
again
if
we
were
to
become
a
broader
regional
program,
but
there's
a
potential
to
do
that,
but
there's
also
jurisdictions
within
buncombe
that
are
our
towns,
our
municipalities.
D
So
you
know
their
their
allocations
are
going
to
be
much
smaller
in
scale.
But
I
just
wonder
you
know,
maybe
through
our
council
in
government,
if
there
could
be
some
kind
of
dialogue
and
maybe
tim
and
I
and
tony
can
tell
offline
to
explore
that.
B
B
Okay,
let's
go
forward
and
recommend
that
tony
tim,
rachel
and
possibly
nikki
follow
up
on
that
and
discuss
financial
partners
to
grow
from
the
government
side.
And,
of
course,
all
the
other
committee
members
should
keep
a
sharp
eye
on
other
ngos
or
or
non-profits
or
foundations
that
we
could
consider
as
community
partners.
E
Jeff,
it's
tim.
I
think
one
of
the
items
I
think
we're
going
to
discuss
today
that
relates
directly
to
our
ability
to
go
out
for
additional
funding
is
getting
a
dated
picture
of
out
of
the
account.
E
You
know
what
guarantee
what's
the
status
of
those
loans.
I
believe
gasoline
was
present
sort
of
an
updated
picture
on
that,
but
I
think
that's
a
key
item
for
discussion
and
jesse.
I
believe
you're
on
the
call
as
well.
You
mentioned
in
our
last
meeting
some
of
our
trigger
points
that
we
need
to
be
tracking
against.
So
I
think
those
are
key
items
for
us
to
discuss
today,
so
we
can
make
sure
that
we're
on
firm.
B
Excellent
tim
that
does
lead
up
to
our
next
agenda
item,
which
is
where
you've
got
evaluating
guarantee
percentages
on
loans.
I
do
want
to
share
that.
We
are
absolutely
on
track
in
our
meeting
on
our
agenda.
However,
our
meeting
is
scheduled
for
one
hour
and
our
agenda
is
adding
up
to
70
minutes
of
topics.
B
So
we'll
just
keep
that
in
mind
for
the
next
agenda.
Let's
move
right,
buddy,
the
math
wrong.
No,
that's
right!
Yeah
we've
got
30,
plus
30
60.
yeah.
We
got
70
on
here,
so
those
guaranteed
percentages
on
loans
also
teamed
up
that
conversation
tim
of
appropriate
tracking.
So
thank
you
for
bringing
that
up.
Rosanna.
I
see
you're
on
the
call.
B
I'm
gonna
do
my
best
to
reiterate
the
points
you
brought
up
earlier,
but
feel
free
to
jump
in
and
correct
me
when
I
go
as
they
say,
yeshiva
off
direct
off
the
path
going,
the
wrong
way.
B
So
in
the
even
terms
of
of
the
mccf
there's
a
missing
one
percent
fee
that
cdfis
should
be
applying
to
the
lendes,
which
goes
back
to
mccf
to
fund
the
program
in
ideally
perpetuity.
That's,
first
of
all,
missing.
B
There's
a
need
to
monitor
repayments,
as
those
should
be
flowing
back
into
the
fund
as
well,
and
there
should
be
a
tracking
given
that
self-help
venture.
If
that's
I'm
getting
this
wrong,
the
self-help
venture
fund
is
actually
cutting
the
checks.
There,
ideally
is
a
flow
of
capital
from
mountain
biz,
bizworks,
writing
the
loans
to
self-help
and
that
getting
a
little
bit
of
like
a
shell
game.
If
you
would
rosanna
what
else
am
I
missing
before
we
jump
into
this
guaranteed
percentages
on
loans,
conversations.
B
Okay
and
again,
the
one
will
lead
on
this.
This
is
an
open
discussion.
It
might
be
best.
I
would
recommend
or
suggest
that
our
lenders
jump
in
and
lead
and
guide
us
through.
This
part.
C
Hey
jeff,
this
is
jocelyn,
so,
regarding
the
one
percent
fees
on
those
loans,
mountain
bismuth
has
been
the
only
a
lender
that
has
done
these
loan
or
any
loans.
So
we
have
paid
some
of
the
one
percent
fees
they
have
been.
They
were
sent
to
when
this
was
back
when
jane
was
still
participating.
Member
and
all
the
other
ones.
C
We
are
working
with
our
cfo
to
get
those
paid,
but
that
money
will
be
paid
back
like
I
said,
we're
still
figuring
that
out,
but
we
will
send
that
to
self-help.
I
do
need
the
contact
of
the
person
who
I
need
to
send.
I
don't
know
if
jesse
you
would
be
the
contact
person
that
those
checks
would
go
to
but
yeah.
So
that's
if
I
could
get
that,
we
could
then
send
the
the
one
percent
fees
of
all
the
loans
that
we
didn't
pay
to.
That
mcco.
I
C
E
E
B
Any
other
comment
now
this
this
agenda
item
has
been
on
the
agenda,
for
I
think
this
is
our
third
month
in
a
row
we
haven't
ever
said.
We
should
adjust
the
guarantee
percentage.
Now
we
can't
vote
on
it.
So
I
would
like
to
discuss
and
come
to
a
decision
point
on
here.
I
don't
think
it's
a
lingering
agenda
item
that
gets
rolled
over
month
after
month
after
month,.
D
B
You
know
just
it's
not
doing
anyone
any
favors,
so
lenders
may
ask
you
very
directly.
How
do
you
feel
about
where
the
current
guarantee
percentage
is
now
and
do
you
want
it
higher
or
lower
or
not
changed
at
all.
I
So
I'm
just
going
to
jump
in
and
say
I
think
before.
Having
that
conversation
about
the
guarantee
percentages,
it
would
be
really
helpful
to
be
able
to
see
an
overview,
and
this
may
have
been
shared
when
I
was
having
technical
difficulties.
This
morning,
apologies
an
overview
of
how
the
fund
is
doing
and
where
we
are
with
the
trigger
points
and
where
we
are
with
the
outstanding
loans.
Just
so
that
we
have
that
big
portfolio
picture
and
can
make
more
of
an
informed
decision.
B
It's
great,
I
think
it's
great.
So,
let's
we
haven't,
we
haven't
shared
a
historical
tracking
or
anything
like
that.
Yet,
but
you're
right,
we
still
haven't
identified
those
exact
trigger
points,
even
though
they
are
some
prescribed
in
the
operating
agreement.
B
I'm
going
to
call
an
audible
here
you
all.
Let
me
know
what
you
think
about
this.
Since
we
don't
have
a
quorum
and
we
can't
vote
we
might.
How
do
you
all
feel
about
skipping
the
loan
presentation,
because
we
can't
vote
to
approve
a
loan
and
going
right
to
the
next
item,
which
is
the
list
of
loan
tracking
and
I
can
share
some
of
what
we
have
as
to
jesse's
point.
B
C
B
Would
it
be
possible
somebody
who's
more
humanitarian?
Here
I
mean:
do
you
have
an
ad
hoc
meeting
proper
time
to
advertise
the
meeting
in?
Was
it
two
weeks
or
one
week
wherever
the
minimum
is
to
have
a
meeting
with
so
we
can
get
quorum
specifically
on
this
one
topic
of
lung
presentation
is
that
even
possible.
E
C
Yeah
that'd
be
great.
I
just
you
know.
This
client
has
been
waiting
for
a
few
months
now
and
it's
critical
that
we
get
some
funding
to
him.
B
Okay,
so
I
will
you
know
we
can't.
I
just
want
you
to
vote
on
this.
Let's
work
with
a
scheduler
someone
from
the
city
in
the
county
to
make
sure
that
our
committee
can
be
at
a
meeting
if
it's
friday,
looking
at
tuesday
or
wednesday,
I
don't
know
if
they
count
weekends
or
is
it
48
business
hours
or
two
business
days,
but
let's
shoot
for
wednesday
to
meet
as
a
special
committee.
Just
to
do
a
brief
lesson.
One
hour
loan
presentation
meeting
is
that
acceptable.
D
This
is
rachel,
I'm
in
support
of
that,
and
I
also
wonder
if
it's
okay
to
ask
at
this
point:
imagine
the
empty
or
vacant
seat,
and
I
I'm
sorry
that
haven't
been
keeping
up
with
how
that
has
all
been
fitting
together.
What
suit
of
empty
is
it
on
the
city
or
county
side
and
what's
the
status.
B
It
is,
I
do
have
an
update
on
this,
not
much
of
an
update.
It's
on
the
county
side.
B
No,
I'm
sorry
the
city
side,
it
was
robin's
seat,
county
side,
it's
on
the
county
side
and
I
don't
believe,
there's
been
any
applicants.
B
D
Jeff
it's
rachel
again.
I
do
see
an
advertisement
on
buncombe
county's
website
for
a
community
stakeholder
seat
on
mountain
community
capital
fund
operating
committee
open
until
filled.
D
So
this
is
not
the
agenda
item
that
we're
on
right
now,
but
it
seems
important
to
discuss
some
outreach
plans.
B
Okay,
so
yeah
no
applications
to
date
and
thank
you
rachel
for
finding
that.
I
also
want
to
mention
we.
We
did
ask
at
the
last
chamber
board
meeting
we
advertised
the
opening
seat
as
well.
B
So
it's
not
an
agenda
item
either,
but
we
need
to
address
this.
We
need
to
fill
the
seat,
so
we
can
be
more
active
folks.
B
We'll
figure
this
out
offline
of
the
scheduling
the
time,
and
maybe
we
need
to
do
a
doodle
pull
to
make
sure
that
we
have
a
quorum
so
with
that
we'll
jump
down
to
the
list
of
loan
tracking
jasoline.
I
am
on
the
agenda
as
the
lead
on
this,
but
I
do
want
to
yield
to
you
to
you
is:
is
this
the
most
up-to-date
again
I
apologize
in
barring
the
the
pending
one
would
be
waiting
for
the
committee
on
up-to-date
tracking.
We
have.
C
Not
sure
how
this
is
going
to
work,
since
a
lot
of
you
can't
see
the
screen,
but
are
you
okay
with
me,
sharing
my
screen
jeff
or
are
you.
D
D
C
So
all
right,
I
know
that
I
had
sent
a
previous
loan
tracking
sheet.
This
is
kind
of
what
I
had
been
using
to
kind
of
track,
but
since
everyone
was,
you
know
wanting
to
get
this
additional
information
rosanna
and
I
and
lynn
met
and
lynne
and
rosanna,
and
I
worked
with
adding
some
additional
fields
to
this
tracking
sheet.
Like
I
said
I
was
a,
I
was
using
this
for
mountain
bus
records.
However,
this
is
kind
of
what
we
came
up
with
to
have
this.
C
It's
a
public
copy,
so
there's
no
information,
no
sensitive
information
about
the
client
and
the
way
that
I
we
were
thinking
it
would
work
was
to
share
this
with
the
committee
so
that
the
committee
could
go
in
there
and
automatically
be
able
to
pull
the
report
if
needed
to
this
is
going
to
be
updated
on
a
quarterly
basis
when
it
comes
to
the
balance,
since
it
is
in
the
guidelines
that
it
needs
to
be
sent
out
quarterly.
C
So
this
is
asset
331
with
all
of
the
current
information
so
listed
here.
The
original
loan
amount
original
guarantee
the
active
balance
and
the
active
guarantee.
C
So
if
you
can
see
here,
these
are
the
current
balances
as
of
331,
so
the
first
quarter
and
it's
it's
freed
up
about
10,
000
or
so
dollars
that
has
gone
back
into
the
pool,
so
current
guarantee
percentage
is
237.
This
is
not
including
the
additional
two
loans
that
we
have.
The
loan
number
10
has
not
yet
closed,
but
it
will
next
week,
and
that
was
one
of
the
ones
that
we
were
going
to
present.
C
We
can
go
ahead
and
close
this
one
without
an
approval,
and
then
the
50
000
loan
is
the
one
that
I
needed
to
get
approval
for
today.
So
this
amount
is
including
those
two
loans,
but
since
there
they
have
not
been
closed.
Yet
it's
not
been
listed
on
the
active
guarantee
amount
and
also
listed
is
if
you
know
they
are
a
refi
or
not
sorry
if
they
are
a
refi
or
not
and
the
term
the
interest
rate
maturity
date,
payment
status.
C
So
all
these
loans
are
currently
you
know
on
in
good
standing
status
or
open
status,
guarantee
percentage
if
they
need,
if
we
needed
to
get
approval
the
date
of
the
approval
closing
date.
Ethnicity
raised
gender
jobs
created
or
retained,
and
then
the
industry,
so
those
are
some
of
the
items
that
were
requested
to
be
added
onto
there.
So
if
you
know
if
we
want
additional
items
to
be
added
on,
but
we
can.
B
Late,
we'll
do
a
switcheroo,
let's
wrap
up
the
presentation
here
and
then
we
can
discuss
the
loan
to
approve
or
not
approve
mm-hmm.
D
Okay,
this
is
rachel
updated
version
out
by
email
for
us
to
take
a
look
at.
C
C
And
then
I
I
was
letting
them
know
that
this
is
an
updated,
quarterly
report,
since
it's
in
the
guidelines
now
to
have
this
sent
out
to
the
committee
on
a
quarterly
basis.
Right.
C
So
I
know
that's
probably
a
lot
right
now
for
you
guys
to
just
kind
of
look
and
see,
but
if,
if
this
is
an
item
that
we
can
discuss
next
meeting,
that's
perfectly
fine
and
I
can
go
ahead
and
get
go
ahead
and
present
that
loan.
Since
I
don't
want
to
run
out
of
time.
B
But,
just
briefly
before
you
do
that,
can
we
lump
this
in
with
our
subcommittee
to
discuss
trigger
points
and
everything
else,
wonderful
advantages.
These
feel
like,
I
feel
like
this
conversation
with
people,
can
handle
one
main
form
together.
Can
we
request
a
committee
to
take
both
of
those.
C
All
righty,
so
I
also
sent
that
information
over
to
lynn
and
jeff,
but
would.
B
D
C
Fine,
okay,
so
we
are
not
seeking
approval
on
this
one.
It's
more
of
a
long,
just
a.
I
know
that
you
guys
had
mentioned
you
want.
You
would
like
to
see
the
loans
that
have
been
closed
or
will
be
closed
even
under
50..
G
E
C
H
A
C
Okay,
so
so,
okay,
so
fifteen
thousand
dollar
loan.
It
is
new
money,
it
is
not
a
refund.
However,
this
is
a
additional
loan
for
a
a
client
that
we
have
done
an
mccf
loan
for
before,
and
this
is
just
a
working
capital
loan.
It
is.
This
was
a
business
that
was
started
in
2019,
it's
a
retail
business,
african-american
mail.
C
It
is
under
our
catalyst
fund
as
well,
so
it
is
a
longer
term
and
a
better
rate
which
is
four
percent
for
the
first
five
years
and
then
eight
percent
for
the
next
five.
It's
a
ten
year
note
the
reason
why
it
was
structured.
That
way
was
because
he
also
has
an
additional
loan.
So
we
we
didn't
want
there
to
be
a
sorry.
I
lost
my
train
of
thought
there.
C
We
didn't
want
there
to
be
too
much
of
stress
on
his
cash
flow
and
the
security
item
is
just
a
ucc,
so
a
blanket
lien
which
we
already
have
and
it's
been
perfected,
their
their
the
credit
score
has
been
affected
quite
a
bit
and
it's
been
impacted
by
medical
bill
bills
and
just
additional
debt
that
he
has
taken
and
when
I
say
additional
debt.
C
That
means
just
the
loans
that
we
have
done
for
him,
which,
as
many
as
you
know,
we
don't
hit
on
your
credit,
we'll
bring
your
credit
score
down
a
bit.
However,
he
is
working
on
settlement,
settling
those
medical
bills
and
has
also
some
secured
credit
cards
to
help
build
his
credit
and
he
is
receiving
ongoing
technical
assistance
through
mountain
bis
works
so
that
this
law
will
be
closed
sometime
this
week,
I
believe,
or
has
been.
B
Thank
you
guys,
questions
sure
thing
is:
is
this
individual
eligible
for
the
micro
grants
that
you
all
have
in
mind
reports.
C
He,
I
believe,
has
I'm
not
sorry,
I'm
not
the
lender
for
him,
but
I
believe
that
he
was
an
applicant
for
the
for
the
grant.
Yes
great.
B
So
make
sure
he's
turning
over
every
stone.
He
can
question
is
with
a
loss
in
total
20,
which
is
not
a
huge
loss.
Do
you
expect
them
to
be
profitable
this
year
at
the
end
of
2021.
C
Definitely
yeah
I
mean
he,
no,
he
didn't
start
in
2019.
However,
he
didn't
really
open
until
end
of
2019
and
then
with
the
pandemic.
You
know
he
his
revenue
wasn't
as
high
as
he
had
projected.
Of
course,
like
you
know
every
business
but
yeah
we
feel
like
he's
going
to
be
more
successful.
C
B
B
Like
to
me,
almost
like
trampolining
we're
investing
in
the
down
to
go
higher
up
right,
correct,
yeah
kind
of
getting
getting
what
they
need
to
be
really
successful.
Very
good.
You
got
a
question
from
the
committee.
C
Yeah
sure
saying
so,
the
catalyst
fund
is
a
fund
that
mountain
bisworks,
along
with
other
partners,
came
together
and
created
to
help
our
people
of
color
and
underserved
communities.
C
So
it
is
a
fund
that
goes
up
to
75
000,
I
believe,
and
the
interest
rate
is
meant
to
be
quite
low
and
for
us
to
be
able
to
work
with
us
clients
as
well
in
a
system
as
much
as
we
can
there's
a
lot
of
different
components
to
the
fund,
so
just
to
give
you
a
quick
summary
of
them
of
it,
there's
no
credit
reporting
on
those
clients.
C
There
is
also
an
additional
personal
loan
that
we
can
offer.
That
will
be
that
they
can
use
for
emergency
family
emergencies.
They
can
use
it
to
refi
high
interest
personal
debt
and
that
loan
is
a
zero
percent
personal
loan.
So
the
interest
rate
is
at
four
percent,
and
then
it
goes
up
to
eight
percent
is
a
ten
year
term.
C
C
It
does
not
have
to
be
secured.
However,
any
collateral
that
is
purchased
with
the
funding
with
those
funds
will
be
used
as
as
collateral,
and
they
do
not
have
to
make
payment
for
six
months.
C
They
also
have
the
option
to
do
12
months
of
just
interest
to
pay
on
that
loan
and
then
principal
and
interest
for
the
remaining
months
so
and
there's
also
a
cohort
that
was
created
for
clients
that
that
applied
for
that
fund
and
this
year.
I
believe
it's
coming
up
for
the
second
cohort,
so
it's
a
yearly
cohort
and
they
get
you
know
technical
assistance.
They
also
get
to
interact
with
other
businesses
that
have
that
are
in
the
same
position
as
them,
and
this
font
is
more
suited
for
existing
businesses
already.
H
F
C
Okay,
so
I'll
go
I'll,
go
pretty
fast,
since
I
know
we
gotta
people,
some
people
gotta
jump
off.
So
this
is
a
retail
business
located
in
city
of
asheville.
Technically,
a
new
business
started
last
year
in
august
they
are
already
at
break.
Even
they
are
also
a
participant
of
the
catalyst
program,
which
means
that
they
have
a
10-year
term,
12
months
of
interest.
Only
then
108
months
of
principal
and
interest,
starting
at
4
percent,
then
going
up
to
8,
then
next
5
years,
the
collateral
would
just
be
a
ucc.
C
C
There
has
been
a
long-term
coach
that
has
been
assigned
to
this
client
and
they
will
also
you
they
will
also
be
using
technical
assistance
services
to
work
on
their
marketing
and
advertising
as
well,
and
also
keep
in
mind
that
when
a
client
is
under
the
catalyst
program,
these
clients
have
already
been
through
the
process
of
going
through
another,
a
separate
committee
that
has
also
vetted
their
their
loan
request.
B
B
Okay,
if
there's
not
any
questions
that
we're
gonna
put
on
these
separately,
I
know
it's
10,
30
and
people
got
to
jump,
but.
D
This
is
rachel,
I'd
expect
to
move
to
approve
if
we
need
to
do
them
separately
or
together.
B
Very
good,
okay,
excellent
all
right,
we're
in
I'll
entertain
a
vote
by
show
of
hands
you're
raised
hands
on
the
button.
I
see
one
raised
hand
one
two,
three,
four:
five:
oh
unanimous,
fantastic;
okay,
all
right,
yeah,
congratulations
alone.
Let's
make.
D
B
Okay
with
that
we're
officially
going
to
adjourn,
I
do
want
to
mention
that
we
will
have
elections
in
the
next
meeting.
We
get
a
little
follow-up
emails
coming
out
like
that
for
those
and
joslin.
If
possible,
it
can
be
great
if
somebody
from
the
cattle
fund
could
we
get
one
of
our
menus
for
sure.
C
Yeah,
definitely
I
will
see
if
one
of
the
or
the
the
fund
manager
is
available
to
join
the
meeting,
so
we
could
definitely
get
that
on
the
agenda.
That'd
be
great.
Oh.
B
Wait,
no,
I
forgot
to
do
public
comment.
Oh
my
goodness,
hang
on
I'm!
So
sorry
in
addition
to
pre-recorded
and
ordered.
C
Before
you
do,
that,
can
I
just
really
quick?
I
know
we
didn't
have
time,
but
in
the
next
agenda
could
we
go
ahead
and
note
to
review
the
proposed
data
collection
form.
B
B
I
mean
you
already
have
an
example,
but
never
mind
already,
so
we
will
all
be
taking
live
public
comments
for
up
to
an
hour,
each
speaker
will
have
up
to
three
minutes
of
public
comment.
Staff
will
now
connect
live
calls
from
our
speaker,
q,
in
a
formal
discussion
and
public
comment
callers.
If
you're
on
the
line
and
wish
provide
live
comments,
please
enter
the
speaker
queue
now
by
pushing
star
3
staff.
Do
we
have
any
callers
on
the
line
in
the
queue.