ACCION USA 115 East 23rd Street, 7th Floor, New York, NY 10010 (t) 212-387-0377 (f) 212-387-0277 www.accionusa.org

ACCION USA Orientation Packet Table of Contents Page Welcome From Gina 1ACCION USA Loan Portfolio 2ACCION USA (NY loan) Porfolio 3Microfinance in the US 4Business Loan Fact Sheet 5Client Testimonial 6Sample Grant Proposal 7 -10 Communications Guide 11-23 Social Media Guide 24-25 Twitter Basics Guide 26-28 Financial Education Program 29 -30 Webinar Series 31Partnership Info Sheet 32ACCION USA Partnerships 33-36 AUSA/KIVA lending team 37-38 IT Do's and Don’ts 39Volunteer Non-Disclosure Sheet 40-41 Organizational Chart 42Phone Directory 43

ACCION USA 115 East 23rd Street, 7

th Floor, New York, NY 10010 (t) 212-387-0377 (f) 212-387-0277 www.accionusa.org

Welcome to ACCION USA! We are profoundly grateful that you have chosen to volunteer your time with ACCION USA. Your contribution brings a valued resource to ACCION USA. In volunteering with ACCION USA, you are joining the ranks of countless volunteers who have helped shape our work throughout the United States. ACCION USA has relied on volunteers from our earliest days. From the commitment of our board of directors who have guided this organization since 1991 to the VISTA volunteers who have been deployed in New York, Massachusetts, Florida, Georgia, California and Puerto Rico, to the Microfinance Council who continues to spread word of our work, to the countless volunteers who have assisted with strategy, translation, grant proposals, filing, seminars, legal advice and more, the commitment of our volunteers has directly contribued to our ability to provide deserving microentrepreneurs with access to capital and financial literacy. With your help, ACCION USA is able to undertake the diverse efforts that allow us to reach individuals throughout the country and provide them with the resources to grow healthy businesses and improve the quality of life for their families, employees and communities. As a volunteer, you will be helping us realize our mission, vision and goals. Thank you in advance for your time and commitment. In this book, you will find a guide to some of the resources that will help you become more familiar with our programs and policies. I hope you will find your experience with us rewarding and meaningful. Best regards,

Gina Harman President and CEO

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As a leader in U.S. microfinance, ACCION USA empowers low-to-moderate income(LMI) business owners with access to capital and financial education. With economic opportunity, these entrepreneurs—often minorities and women—can build assets,better provide for their families, and strengthen their communities.

AUSA has lent $119 million since 1991, and is one of the nation's largest microlenders, serving more than 2,000 active borrowers across 46 states.

ACCION USA offers affordable loans from $500 to $50,000 for small business and credit development with an average loan size of $5,100 and interest rates from 8% to 15%.

Our investment in our clients does not end with a loan—we provide free financial

education services to set the foundation for long-term business success.

The extended U.S. ACCION Network has supported 24,300 U.S. small

businesses with $272 million. This network of licensees serving TX, LA, NM, CO, AZ, IL, and CA and our online lending platform provides a national footprint for microloan borrowers.

19,068

$119.5

$6,828

89%

2.4

Loans Made

Total Amount Lent(in millions)

Average Loan Size

Historic Repayment Rate

About ACCION USA

Microloan Need

Nationwide, low- to moderate-income entrepreneurs are unable to access the creditneeded to build sustainable businesses and attain economic self-sufficiency. Thischallenge takes on increased significance during the recession, where unemployment presents a hurdle to full economic recovery.

10 million microbusinesses nationwide cannot access from traditional sources the loans needed to grow their business

Microenterprises (<5 employees) account for approximately 18 percent of employment in the U.S., and create 900,000 jobs a year.

Predatory lenders charge average annual interest rates over 300%—and accounted for over $42 billion in loan volume in 2008.

Data since 1991 inception, as of January 1, 2010

Lending. Supporting. Inspiring.

ACCION USA at a Glance

Jobs created/retained perloan disbursed

Success Story: Margarita Amador

Margarita Amador, owner of Amador HomeImprovements, is dedicated to providingher clients with quality service at a fairprice. Even during the economic downturn, business has been steady.

However, Margarita was experiencing cash-flow difficulties and needed a loan tokeep her business on track. Unable to

borrow from the bank, Margarita

approached ACCION USA, where she qualified for the loan she needed.

"My dream is to be able to provide for

my children's education and to start

another business of my own," saysMargarita. These goals are now within herreach, thanks to the support of AUSA.

www.accionusa.orgACCION USA Headquarters — 115 East 23rd Street, 7th Floor, New York, NY 10010

ACCION USA Impact

According to the most recent MicroTest impact study conducted in partnership withthe Aspen Institute, AUSA loans empower borrowers to:

Create employment opportunity in low- to moderate-income communities: On average, each AUSA small business loan recipient creates 2.4 new jobs.

Create living wages for borrowers and their employees Wages provided by ACCION USA borrowers are 24% higher than the national minimum wage.

Create sustainable businesses: The business survival rate among AUSAclients is 98% for established businesses and 89% for start-up businesses.

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ACCION USA (AUSA) is a nonprofit microfinance organization that provides access to capital and financial education to low- and moderate-income individuals, primarily minorities and women. A pioneer and recognized leader in U.S. microfinance, AUSA empowers individuals to create sustainable businesses,increase family incomes, and contribute to the economic development of citiesacross the U.S., including the metropolitan New York and New Jersey region.

$119 million lent since inception in 1991 through offices in Boston, MA; Miami, FL; New York, NY; and Atlanta, GA; as well as an online lending platform.

$272 million lent by the U.S. ACCION Network, which includes AUSA and four independent licensees: ACCION Texas, ACCION New Mexico-Colorado-Arizona, ACCION Chicago, and ACCION San Diego.

12,169

$86.6

89%

2.4

$7,233

Loans Made—NY/NJ Region

Total Amount Lent— NY/NJ Region (in millions)

Historic Repayment Rate

Jobs created/retained perloan disbursed

About ACCION USA

Loan Products and Services

AUSA loans help bridge the gap between business capital and the financiallyunderserved. We provide affordable loans that help meet essential business needs:

Small Business Loans up to $50,000: Our flexible requirements place business capital within reach for individuals who lack the credit history and length of timein business needed to qualify for mainstream loans.

Credit Development Loans: Realizing the challenges that individuals without credit face, we offer loans to help establish and build a credit history.

Financial Education Programs: Online resources, free group seminars, and individual training opportunities help to further strengthen businesses.

Data since 1991 inception, as of January 1, 2010

Lending. Supporting. Inspiring.

NY/NJ at a Glance

2009 Average Loan Size

Microloan Need and Impact

With over 900,000 microbusinesses in New York City alone that employ over 30percent of the region’s workforce, the need for our services is clear. AUSAprovides underserved entrepreneurs with the opportunity to create sustainable businesses that have a lasting impact on the borrower’s familyand community. According to our most recent MicroTest impact study in partnership with the Aspen Institute, AUSA loans empower borrowers to:

Create employment opportunity in LMI communities: On average, each AUSAsmall business loan recipient creates 2.4 new jobs.

Create living wages for borrowers and their employees Wages provided by ACCION USA borrowers are 24% higher than the national minimum wage.

Create sustainable businesses: The business survival rate among AUSAclients is 98% for established businesses and 89% for start-up businesses.

Success Story: Flor Diaz

As an immigrant from the Dominican

Republic, Flor Diaz found difficulty in

obtaining a loan to buy fabric and

equipment for her business, Florquidiaz,

a bridal boutique.

Flor approached ACCION USA for a loan

and obtained the capital and support

needed to grow her business.

"I'm proud to have achieved this

dream and to be able to earn money

for my four children," says Flor. "I planon continuing to build my business byexpanding my shop, offering more products and hiring an employee."

www.accionusa.orgACCION USA - New York Regional Office and Headquarters | 115 East 23rd Street, 7th Floor | New York, NY 10010

For Loans: (212) 387-0494 | Office: (212) 387-0377 3

Microfinance in the U.S. Long hailed as an effective poverty alleviation strategy abroad, microfinance also has strong roots in the United States. The U.S. ACCION Network was established in New York in 1991 and has since lent over $230 million to financially underserved entrepreneurs, primarily minorities and women. An Undeniable Need for Affordable Capital

- Microbusinesses account for 18 percent of employment in the U.S., and created more than 4.5 million jobs from 2002-2005. However, even prior to the credit crisis, an estimated 10 million microbusinesses in the United States faced difficulty in obtaining business capital from traditional lending sources.

- In today’s economy, the need for microfinance services in the U.S. has taken on a special urgency. As banks continue

to tighten the availability of credit, microfinance will serve the ever-widening credit gap.

- As the economy continues to take its toll on consumer spending, energy prices and other essential factors in the small business community’s bottom line, access to affordable capital will never be more vital. In addition, microloans will fill the ever-widening credit gap, as tightening bank borrowing standards push more entrepreneurs out of the mainstream.

- With Community Financial Development Institutions—including microlenders such as ACCION USA—receiving a $100

million slice of funds allocated through the American Recovery and Reinvestment Act, they will play an increasingly important role in helping small businesses survive and in rebuilding our economy through income and job creation.

Adjusting the International Microfinance Model Like its international counterpart, domestic microfinance seeks to empower self-employed individuals with affordable and accessible business capital.

- Loans tailored to meet borrowers’ needs. ACCION USA provides loan amounts tailored to meet borrowers’ needs in a formal economy. Our loans range from $500 “Credit Start” loans to $50,000 loans for advanced businesses.

- A focus on financial literacy. Realizing that it takes both knowledge and capital to build a business, ACCION USA provides borrowers with free business and credit training.

- One-on-one strategies. ACCION USA’s loan consultants work one-on-one with borrowers throughout the loan process to help them achieve their financial and business goals

- Bringing microfinance to scale. Internet lending and technology innovations that bring efficiency to the lending process have allowed U.S. microfinance organizations to scale up.

Current Statistics U.S. ACCION Network Stats:

- $250 million in loans made since inception in 1991 ACCION USA (AUSA) Stats:

- $115 million in loans made to over 18,500 borrowers since inception in 1991 - $18 million active portfolio - Current average loan size of $5,600

AUSA Impact:

- Increase family income: 61% of ACCION USA clients report an increase in annual income after receiving a loan, with a median increase of over $4,500 (or 18%).

- Create sustainable businesses: The business survival rate among ACCION USA clients is 97% for established businesses and 90% of start-up businesses.

- Create employment opportunity in low-to-moderate income communities: On average, each ACCION USA small business loan recipient creates 1.7 new jobs.

AUSA Demographics:

- 61% Hispanic or Latino - 27% African American - 40% Female

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Small Business Loans

Apply online at www.accionusa.org or call toll free (866) 245-0783

ACCION USA is a nonprofit organization that offers small business loans of up to $50,000 and financial

education to small business owners in the United States. Take your business to the next level with a business

loan or business start-up loan from ACCION USA.

OUR LOAN PRODUCTS Loan Amounts:

Established business (> 6 months): up to $50,000Start-up business (< 6 months): up to $30,000

Installment loans with fixed monthly payments

RATES, FEES, AND TERMS

Competitive annual interest rates from 8.99% to 15.99% Loan terms up to 60 months No prepayment penalty 3-5% closing cost (minimum of $100) and a $30 application fee

will be financed into approved loans

WHY ACCION USA?

Access to capital: Our basic requirements allow you to get the money you need to build your business

Opportunity to build credit: We report to all three credit bureaus

Friendly & personalized service: Your loan consultant will help you one-on-one to apply

Free financial education: Workshops and online resources help you further build your business and credit

Lending. Supporting. Inspiring.Additional information available at www.accionusa.org

03/10

LOAN REQUIREMENTSACCION USA is the right fit for

business owners who meet the

following basic requirements:

Credit score of 575 or higher

You must own fewer than four(4) properties

No bankruptcies in the past 12 months or foreclosures in the past 24 months

No late payments on your rent/mortgage in the past 12 months

Sufficient cash flow to comfortablysupport monthly loan payments

Less than $3,000 in past due debt

For start-up loans:

Cosigner required

Investment match of 50% of the loan amount

Proof of an outside income

All required licenses

Strongly recommended to have a completed business plan

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Client Testimonial

For Luis Zepeda Alvarez, a microloan was more than just the means to purchase a delivery van. His $5,500 loan from ACCION USA helped pave the road to self-renewal. Luis was homeless just ten years ago. He was that guy holding a sign saying, “Need Work”. Without a place to stay or a way to earn a living, he was invisible, as many of the homeless are to the rest of society. That was, at least, until the owner of a bakery decided to give Luis a chance, and offered him work making deliveries. Years later, the tragedy at the World Trade Center would claim many of the businesses on Luis’ route, pushing him back into unemployment. Luis, now, had too much to work for—three sons—and decided self-employment was his only chance to become a stable provider for his family. He knew he had to start his own bakery delivery service. But Luis didn’t have the cash to buy a delivery van himself—he needed a loan, and no bank would lend to him. All that changed when Luis discovered ACCION USA. Unlike other financial institutions, ACCION USA recognized Luis’ entrepreneurial spirit and valued the experience he had acquired during his days as a delivery worker. Ten years ago, Luis was depending on spare change and odd jobs. Today, Luis relies on himself and the honest living his business brings him. He is proud of the life he is leading, the legacy he is creating for his family, and the opportunities he is providing his employees. For Luis, and so many of our clients, a microloan means more than just financial help. It is the impetus for change, and the chance to define their own path to success.

Luis Zepeda Alvarez

ACCION USA Client and Entrepreneur

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2010 Proposal Example Supporting Small Businesses and Employment in  New York City Contact: Gina Harman, President and CEO (646) 833‐4512; gharman@accionusa.org

Executive Summary   

As a leader in U.S. microfinance, ACCION USA empowers lower‐income business owners through access to capital and financial education.  With economic opportunity, these entrepreneurs—often minorities and women—can build assets, better provide for their families, create employment, and strengthen their communities. ACCION USA focuses on serving microentrepreneurs (business owners with five or fewer employees) who lack access to the affordable credit and financial education they need to launch and grow their businesses into sustainable assets.  In the current economic climate, as mainstream lenders have tightened credit and increased interest rates, ACCION USA remains one of the few sources of transparent and affordable credit that low‐income and underserved individuals can use to build, sustain, and expand small businesses.  A 2009 outcomes survey found that, during a period marked by declining business revenues and rising bankruptcies (2007‐2008), an astounding 96% of ACCION USA’s clients stayed in business.  The survey also found that, on average, ACCION USA’s clients retained or created 2.4 jobs each and experienced a 19% median increase in take‐home pay.  Since its inception in 1991, ACCION USA has invested over $86.6 million in 12,169 loans in the New York City small business community.  As our track record shows, ACCION USA has the capacity and connections to quickly deploy funds to underserved small businesses that create jobs and economic activity within the city’s most distressed neighborhoods.  Without organizations like ACCION USA, which are deeply rooted in low‐to moderate income communities, financially underserved business owners would be more likely to fail, or worse, fall victim to predatory lenders.  To continue fostering job growth within our local communities, ACCION USA respectfully requests a $15,000 renewal grant from the Foundation to support our New York microlending and financial education program.  Your continued funding is critical and will help ACCION USA support 350 small business owners through $3 million in business loans.  Our work will create or retain close to 840 needed jobs in low‐income neighborhoods of New York City.      

Client Need   

Many low‐income minority and immigrant individuals, who are excluded from the mainstream job market or relegated to low‐wage jobs due to language barriers, limited formal education, and discrimination, turn to entrepreneurship to support their families or to supplement their incomes.  According to the U.S. Department of Commerce, between 1997 and 2002, the number of minority‐owned firms grew by 30%, far outpacing the national average (10%).   Yet while minority‐owned businesses continue to be a growing force in our local and national economies, their owners are disproportionally affected by the 

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lack of access to capital.  The Center for American Progress noted in a 2007 report that the loan denial rate for African America families in 2004 was more than double that of white families (22% compared to 10.8%).  For Hispanic families, the loan denial rate was greater than 16%.    Moreover, the Association for Enterprise Opportunity confirms that microenterprises (defined as businesses with 5 or fewer employees) create over 900,000 jobs in the New York City economy, representing over 33% of all private sector employment.  However, in today’s economy, with unemployment at 9.7% nationally and 10.2% locally, microenterprises are at risk of closing and pushing an average of three people per business into unemployment.    While much is being done to address the consequences of the economic crisis at institutional levels, ACCION USA addresses it on “Main Street”.  We serve as one of the few links between small and micro‐business owners and the credit they seek.  Struggling small business owners need immediate assistance and ACCION USA provides proven, effective and timely loans and services they can use to weather these difficult economic times.  ACCION USA fosters economic development through entrepreneurship by helping our clients be active and productive participants in the mainstream economy for the betterment of New York and its residents.  With the recent contraction of credit markets, many new businesses—especially those with limited credit experience—will face even great difficulties accessing traditional forms of credit.  This will lead in turn to greater reliance on high‐priced credit cards and predatory lenders for financing.  A 2009 study on credit card usage among small businesses by the Kauffman Foundation found that credit card debt reduces the likelihood that a new business will survive in the first three years of operation.  The study revealed that every $1,000 increase in credit card debt increases the probability that a firm will close by 2.2 percent.  Many small businesses owners even rely on personal credit cards for their immediate financing needs, directly impacting their own and their families’ credit worthiness.  In the Annie E. Casey Foundation’s documentary, “Building Credit for Life”, experts estimate that a good credit rating will save the average borrower $250,000 in interest over a lifetime.   Inexperienced credit holders would not be able to build a strong credit record without access to affordable and effective alternatives to high‐interest credit cards and payday lenders.   

Client Profile  

ACCION USA’s programs benefit creative microentrepreneurs living and operating in the five boroughs of New York City.  Over 87% of our client base is low‐ to moderate‐income, according to HUD guidelines, with a median household income of $29,970.  Nearly 38% are females and 90% are minority, of which 68% are Hispanic/Latino, 15% African American, 10% Multi‐ethnic, 5% Caucasian, and 2% are Asian.         Many of ACCION USA’s female borrowers are daycare providers, beauty salon owners, and successful entrepreneurs in the fashion design or restaurant industries, while male 

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borrowers primarily represent the transportation, landscaping, retail, delivery, and food & beverage industries.  

Program Services  

ACCION USA’s high‐touch microlending program is tailored to meet the needs of microentrepreneurs and small businesses.  We offer affordable business and credit development loans from $500 to $50,000 with flexible terms that work with our borrowers’ budgets.  Our loans contribute to the New York City small business community by 1) providing needed access to capital, when traditional sources are tightening their lending criteria, 2) creating 2.4 jobs on average (not including the borrower), and 3) providing a legitimate path to building credit.  Unlike banks, ACCION USA considers eligibility criteria beyond a credit score and provides deep application support to help our clients understand the make up of their credit and the components of a strong loan application.     ACCION USA believes in providing more than credit to our clients; we believe education is a key element for their long‐term success.  ACCION USA offers free one‐on‐one technical assistance, referral services, workshops, networking opportunities, and a suite of online resources (www.accionusa.org/financialeducation) designed to supplement the financial products that we offer.  In 2010, ACCION USA will continue its Survive and Thrive curriculum series which centers on three main strategies for business survival: protecting credit, managing cash flow, and maximizing marketing.  We will also deepen our support to declined applicants and will develop new financial literacy content with the goal of providing them more options to move forward.     

Why Support ACCION USA   

ACCION USA serves as one of the few links between low‐income families and fairly priced capital.  Without organizations like ACCION USA, which are deeply rooted in low‐to moderate income communities, financially underserved business owners would be more likely to fail, or worse, fall victim to predatory lenders.  In FY 2009, JP Morgan Chase wrote the largest number of small business loans through the SBA program in NYC: a total of 28.  ACCION USA provided $2M in microloans to over 300 borrowers in 2009.  Moreover, that same year, ACCION USA was the NYC Business Solutions Centers’ highest volume lending partner, disbursing 51 loans to Center customers.  As our track record shows, ACCION USA has the capacity and connections to quickly deploy funds to underserved small businesses, enterprises which create jobs and economic activity within the city’s most distressed neighborhoods.      In 2009, over 1,500 potential clients contacted ACCION USA’s NYC office to explore their options for obtaining capital.  Whether a loan is provided or not, we are a committed to serving each person who walks through our doors; we offer free one‐on‐one technical assistance during the pre‐application process to educate potential borrowers on credit and the components of a strong application.  Our goal is to create a clear and effective process to move credit‐worthy small business owners from being unqualified applicants to strong, credit‐conscious borrowers, ultimately graduating them to traditional sources for long‐term 

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financing.  In 2010 and 2011, the number of individuals seeking assistance will increase.  The Foundation’s support will guarantee we can help every individual who contacts ACCION USA.  

Conclusion   

At ACCION USA, we serve the smaller, less formal businesses that are overlooked by mainstream financial institutions.  Businesses that are a viable means for low‐ and moderate‐income individuals like Luis Zepeda Alvarez to earn living wages, create jobs, and provide for their families.  Last year, Luis received an ACCION USA loan to make upgrades to a delivery van needed to keep his business running, an endeavor which turned Luis into a thriving entrepreneur just years after being homeless and unemployed.    We are incredibly grateful to the Foundation for your past support.  This year, we respectfully ask you to renew your commitment to families across New York City who rely on self‐employment to make ends meet.  Together we can secure the livelihood of hundreds of hardworking individuals in what for many could be another year of financial uncertainty.                 

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What is a Brand?

• More than a logo, product, or service

• What our clients “feel” about our organization.

• Many organizational policies & procedures help to build a good brand• Many organizational policies & procedures help to build a good brand, whether we know it or not!

• Client sales messaging! (Brands our products)

• Good customer service! (influences what clients feel about AUSA)

• Underwriting guidelines! (Determines the type of lender we are)

1www.accionusa.org

Branding, Branding Everywhere!

The Obvious

• Print Ads

The More Subtle (but important!)

• Panel presentations

• Banners with logos

• Website

• Media Stories

• Brochures

• Bank presentations

• Emails to clients & partners

• Voicemail message

• Office appearance

2www.accionusa.org

• Fact Sheets

• Flyers

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The Branding Bank

Our brand is like a bank account. Actions can either add money to the account (build our brand) or withdraw from the account (discredit our brand).

It’s our responsibility as staff to help build the best brand possible by:

• Striving for outstanding customer service

• Putting care & professionalism into our everyday communications (internal and external, email, voicemail, phone calls, etc.)

3www.accionusa.org

• Using the branding resources outlined in this training!

ACCION USA Brand

Identity GuideIdentity Guide

AUSA Communications

March 2008

Lending. Supporting. Inspiring.

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About the Brand Identity

ACCION USA’s brand identity system is a set of consistent standards about when and how to use our institutional identifier elements, including our logos, taglines and messaging. The system protects and builds the value of ACCION USA’s identity and image by allowing the organization to speak with clarity, immediate recognition and impact in conveying messages to our many audiencesrecognition, and impact in conveying messages to our many audiences.

Brand Components:

– Visual Identity (Logos, Design Elements, Colors & Fonts)

– Mission & Boilerplates

5www.accionusa.org

Part 1: Visual Identity

Logos Taglines Colors Typography &Logos, Taglines, Colors, Typography &

Suggested Design Elements

Lending. Supporting. Inspiring.

13

Corporate Logos

The primary ACCION USA logo is blue & gold (see “colors” for specifications) on a white background. Acceptable variations of this logo follow.

When printing in single-color process, the AUSA may be presented in all blue.

7www.accionusa.org

Corporate Logos – Cont’d

When printing in black and white, the logo may be presented in solid black

When printing on a solid blue or black background, the logo may be presented in solid white. However, the blue/black must be utilized as a background design element, and not just as a box surrounding the logo.

Acceptable Use

8www.accionusa.org

14

Corporate Logos – Cont’d

Acceptable Use

Logo Clearance

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Logo Clearance

Designers must allow vertical clearance on each side equal to ½ the height of the logo. Horizontal clearance on each side must equal ½ the width of the logo.

Use of AUSA Tagline

The ACCION USA tagline (“Lending. Supporting. Inspiring.”) is to appear at least once on each collateral item. It may appear as an additional logo element, or as a separate design element in Times New Roman (True Type) or Goudy (PostScript) 301U Blue and on one line(PostScript), 301U Blue, and on one line.

Lending. Supporting. Inspiring.

Préstamos. Apoyo. Inspiración.

10www.accionusa.org

The official tagline cannot be modified or replaced. Unique taglines may be created for tactical marketing campaigns, in which case a campaign-specific tagline can be created. These taglines must be visually separated from the logo so it is clear that it is not part of the official brand identity.

15

Co-branded Logo Usage

For collateral related to initiatives in partnership with other organizations, co-branded use of the AUSA logo may be approved. Standard logo usage guidelines apply in full. In addition, effort should be made to use a color scheme and design elements that complement both organizational brands. Use of neutral colors such as blue or gray is encouragedcolors such as blue or gray is encouraged.

Co-branded logos may appear side-by-side or stacked, following logo clearance guidelines. Logos may not be combined or overlapped in any way, and must be approximately the same size.

Acceptable use of co-branded logos:

11www.accionusa.org

Use of ACCION USA Website URL

Promoting traffic to the ACCION USA Website is a primary marketing and communications strategy. Therefore, the URL for the ACCION USA Website, www.accionusa.org, must appear prominently and at least once on every print material.

The main URL may be replaced with a “vanity URL” when a promotional item is specific to a sprcific campaign, program, or project. For example:

www.accionusa.org/donatewww.accionusa.org/advisorycouncilwww.accionusa.org/solicite

12www.accionusa.org

16

True Type Fonts

True Type Fonts are employed in

desktop applications, such as

email, Word documents, etc. and

are commonly available on all

computers

ArialLorem ipsum dolor sit amet, consecteturLorem ipsum dolor sit amet, consecteturLorem ipsum dolor sit amet, consecteturcomputers.

These fonts should be the only fonts

used by staff in internal and external

communications, including email.

Times New Roman Lorem ipsum dolor sit amet, consecteturLorem ipsum dolor sit amet, consecteturLorem ipsum dolor sit amet, consectetur

13www.accionusa.org

Arial and Times New Roman are the only acceptable fonts for internal and external staff communication including email, letters, other mail, documents, forms, etc.

Suggested Design Elements

The ACCION USA logo and client photos will form the core of AUSA design elements. To add the sense of of “movement” a semi-circular element will be utilized around the AUSA logo and client photos, and within sections of blue. This also serves as a complement and reference to “O” of the ACCION USA logo.

Please refer to the following references of existing uses of this design element (in addition to the design of this presentation), to be applied to all collateral materials going forward.

AUSA Homepage

14www.accionusa.org

17

Examples of Core Design Element

AUSA Email Header

Letterhead Business Cards

15www.accionusa.org

Examples of Core Design Element

Flyer Template

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Flyer Template

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Mission Statement Boilerplates & Abbreviations

Part 2: Messaging

Mission Statement, Boilerplates, & Abbreviations

Lending. Supporting. Inspiring.

Mission Statement

When presented, the ACCION USA mission statement must be presented as below, without modification to punctuation, word choice, or order.

ACCION USA’s Mission Statement

As a leader in U.S. microfinance, ACCION USA empowers low-to-moderate income business owners through access to capital and financial education. With economic opportunity, these entrepreneurs—often minorities and women—can build assets, better provide for their families, create employment and strengthen their communities.

18www.accionusa.org

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Boilerplate

Building off of the AUSA mission, the boilerplate is an expanded description of our organization’s vision, mission, services and impact. It may be used in any document where an organizational description is appropriate. When presented it must appear without modification.

ACCION USA Boilerplate:

ACCION USA is a leading U.S. microfinance organization that provides access to capital and financial education to low- and moderate-income individuals, primarily minorities and women. A pioneer and recognized leader in U.S. microfinance, ACCION USA empowers individuals to create sustainable businesses, increase family incomes, and contribute to the economic development of cities across the U.S. Since inception in 1991, ACCION USA has provided over $119 million in small business loans ranging from $500 to $50 000 offered nationwide via the

19www.accionusa.org

small business loans ranging from $500 to $50,000, offered nationwide via the ACCION USA online lending platform. For more information about small business loans, visit www.accionusa.org.

Last Updated: 6/2/10

Messaging Affiliate Relationships

Relationship of ACCION USA to ACCION International:ACCION USA was established in 1991 as the domestic arm of ACCION International, a global microfinance organization with the mission of providing people with the financial tools needed to work their way out of poverty. A world pioneer in microfinance ACCION was founded in 1961 and issued its firstpioneer in microfinance, ACCION was founded in 1961 and issued its first microloan in 1973 in Brazil. Today, ACCION USA is an independent affiliate of ACCION International.

Relationship of ACCION USA to licensees:ACCION USA serves entrepreneurs nationwide via direct lending offices, an online lending platform and four independent licensees – ACCION Texas (also serving Louisiana market), ACCION New Mexico-Colorado-Arizona, ACCION Chicago, and ACCION San Diego. Together, these organizations and ACCION USA form the U S ACCION Network the largest microfinance network in the

20www.accionusa.org

USA form the U.S. ACCION Network, the largest microfinance network in the U.S. with over $250 million lent since 1991.

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Email Signature

The signature below will be used by all AUSA staff members in outgoing emails. (Staff may use discretion regarding the most appropriate contact info to include)

Font: Arial 10 ptColor: GrayColor: Gray

John Doe | Financial Literacy Coordinator | ACCION USA | www.accionusa.orgjdoe@accionusa.org | Direct: (646) 833-0000 | Fax: (646) 834-0000

Lending. Supporting. Inspiring.As a leader in U.S. microfinance, ACCION USA empowers business owners with access to capital and financial education.

21www.accionusa.org

“ACCION USA” : Abbreviations & Translations

Abbreviating ACCION USA:The only acceptable abbreviation (both verbally and in print) is “AUSA.” “ACCION” refers to ACCION International, and is an unacceptable abbreviation for ACCION USA.

In print, the first reference to the organization must be presented in full, with the abbreviation indicated. Subsequent mentions may use the abbreviation. Example: “ACCION USA (AUSA) is located at 115 East 23rd Street. AUSA staff members are available…

Translating ACCION USA:The ACCION USA name is not to be translated, as it reflects our organizational identity. Please do not refer to the organization as “Action” or translate as ACCION E E U U

22www.accionusa.org

ACCION E.E.U.U.

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Part 3: Staff/Volunteer

Resources & Approval

PProcesses

Lending. Supporting. Inspiring.

Staff Resources

Templates: Located in Docs & Templates Drive, Read only – please do not modify!

• PowerPoint: No other PowerPoint template may be used

•Letterhead (Electronic & Print): No other letterhead may be used

• Flyers (Publisher)

•Fact sheet/form

Communications:Please consider the communications department as a resource for document

ti difi ti d t l t

24www.accionusa.org

creation, modification, and template use.

Laura Kozien, x1536,or lkozien@accionnewyork.orgElizete Groenendaal, x1828 or egroenendaal@accion.org

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Approval Processes

To maintain adherence to proper brand standards, all print documents or presentations that will be distributed to or viewed by over 25 external individuals must be approved by the communications department. This includes documents created by scratch and from templates including:

• Letters

• Email blasts

• Flyers

• PowerPoint Presentations

L di D t A li ti ti h t t

25www.accionusa.org

• Lending Documents: Applications, tip sheets, etc.

Please contact Laura Kozien at lkozien@accionnewyork.org for approval, providing your completed project. You will receive approval or revisions by the end of the business day (unless a different time frame is proposed).

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ACCION USA – 115 East 23rd Street, 7th Floor, New York, NY 10010 www.accionusa.org | www.itsnotcharity.org | (212) 387-0377

Swing your social media activism into high gear and help ACCION USA spread the word about U.S. microfinance with our Top 10 Social Media Activism Strategies! But first, be sure to join ACCION USA on our social networks: Facebook: ACCION USA (nonprofit page) and U.S. microfinance – ACCION USA (Cause page) Twitter: @ACCION_USA Blog: http://www.accionusa.org/blog

FACEBOOK STRATEGIES

1. Invite Friends to join ACCION USA’s pages: help educate your friends about U.S. microfinance and help

ACCION USA gain supporters. o Actively refer your own socially-minded network to the fan page using the “Suggest to Friends”

feature.

o Post ACCION USA’s page and Cause to your profile using the “Share +” button, located underneath the “Events” box on the left hand side of the page.

2. Share ACCION USA’s updates: Simply click the “Share” feature which appears at bottom right of every

post or message displayed on the ACCION USA Nonprofit page to post to your friends’ news feeds. 3. Dedicate your status updates to ACCION USA: Here are some ideas for impactful status updates—we’ll

leave it up to you to make them your own.

o Share the link to our microsite, www.itsnotcharity.org o Let friends know that you supported ACCION USA with a donation o Share our video (link) o Ask your friends to spread the word!

Example:

o “Microfinance: It’s not charity it’s a chance. Be an ambassador for ACCION USA and donate

today! Help build YOUR local community one microentrepreneur at a time. www.itsnotcharity.org ”

Top 10 Social Media Activism Strategies

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ACCION USA – 115 East 23rd Street, 7th Floor, New York, NY 10010 www.accionusa.org | www.itsnotcharity.org | (212) 387-0377

4. Show your support by using the “Like” feature found underneath every post, comment and status

update from ACCION USA. 5. Make ACCION USA your “Featured Cause.” When you become a member of Facebook Causes you will

have the option of selecting ACCION USA as your featured cause which will mean it is displayed on your public profile.

6. Donate through causes. Your donation will be attributed to our holiday giving campaign, and your impact

will be recognized on our cause page and shared with your community! You can also use causes to recruit people to join your campaign and become donors.

TWITTER STRATEGIES 7. Tweet the link to Holiday Campaign microsite: www.itsnotcharity.org along with our special holiday

message. Ask your followers to retweet (RT) the message. o Microfinance: It’s not charity, it’s a chance. o Help build YOUR local community one microentrepreneur at a time. www.itsnotcharity.org o Microlending its not charity it’s a chance and this chance starts with you and me.”

(Extra credit: Tweet about us on #CharityTuesday and #FollowFriday!)

8. Use hashtags to spread the word! - Start an ACCION USA hashtag movement (#notcharity) - Add hashtags to your tweets about ACCION USA’s holiday drive. (Examples: #microfinance,

#socent, #smbiz, #poverty) 9. Tweet @ACCION_USA when you make a donation. GENERAL STRATEGIES 10. Comment, comment, and comment some more! Give ACCION USA a piece of your mind on our

Facebook wall, Cause page, and blog! Don’t forget our campaign slogan: Campaign slogan: Microfinance: It’s not charity, it’s a chance. This holiday season, build your local community one microentrepreneur at a time Questions or other ideas? Get in touch with us on Facebook or Twitter!

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ACCION USA – 115 East 23rd Street, 7th Floor, New York, NY 10010 Phone: (212) 387-0377 Fax: (212) 387-0277 www.accionusa.org

What is Twitter? Twitter (www.twitter.com) is a “microblogging” and social networking site that serves as a platform for informal collaboration/networking and information sharing. The most basic action in Twitter is sending a “tweet”: a brief, 140 character update that is made public to all on Twitter, and seen by people following you or the topic you are discussing. You can send your own tweets, view others’ tweets, and send short, private messages to other Twitter users. How is Twitter different than Facebook? Like Facebook, Twitter is a site that allows for personal interaction with other users, content sharing, and networking. It lacks some of the more robust features of Facebook, such as email messaging, photo sharing, and detailed profiles, but makes up for it by being a quick way to obtain information on people and topics that you are interested in. Many Facebook users also use Twitter because it serves a different purpose: Facebook is a great way to stat in touch with people, but Twitter is a better way to stay posted on news trends, industry information, and more. On Twitter, there is less emphasis on having friends and being friends with people you know, and more emphasis on providing good information. (Ie. – its more “acceptable” to be in contact with people you do not know offline) How do I get started?

1. Open a Twitter account at www.twitter.com 2. Navigate to the settings tab to define your preferences and upload a photo 3. Get tweeting! The way to earn “followers” is to just put your self out there!

What should I tweet about? If you are tweeting for professional purposes, you’ll have a lot to say! Here are some ideas:

- Disburse an interesting loan or meet an interesting client? Tweet it! - Traveling for work? Let people know where you are - See an interesting article? Share the link and say why people should read - Help promote ACCION USA’s workshops and news releases

The Twitter platform makes no sense. What’s up with that? Twitter was originally designed to serve one sole purpose: to allow users to let people answer the question “What are you doing?” It was not created with the intention of becoming a go-to news source, networking platform, or chat room. Therefore, most users prefer to manage their account from a 3rd party platform. TweetDeck (www.tweetdeck.com) is a popular platform to help you manage your account. If you are intimidated by Twitter, TweetDeck will solve that problem and help Twitter make sense Here’s how to get started:

- Visit www.tweetdeck.com and download and install the application - Once installed, visit the settings tab (wrench in upper right hand corner) to link it to your Twitter

account.

Twitter Basics

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ACCION USA – 115 East 23rd Street, 7th Floor, New York, NY 10010 Phone: (212) 387-0377 Fax: (212) 387-0277 www.accionusa.org

- Then, use the (+) tab to add search columns to your TweetDeck. Interested in following microfinance Tweeters? Add a column for the search term “microfinance.” Interested in reading Tweets from just your high school friends? Start a custom column and add your friends to it.

- You can send, view, and monitor Tweets all in one place! I have no followers or people to follow – how do I get started? First, remember that Twitter is a useful tool even if you don’t have followers. People who are following the topic you are tweeting about will be able to view your Tweets. Likewise, you can follow topics and see tweets from people who you are not following.

- The easiest way to get followers is to just start tweeting. People who are interested in what you are saying will start following you. Remember, it’s more acceptable on Twitter than on Facebook to have interactions with “random” people.

- Second, use your TweetDeck to set up search columns for topics that you are interested in. When a

Tweet shows up that you are interested, view the person’s profile, previous tweets, etc. and see if you’d like to follow them. If you do, go for it! You can always remove him/her later.

- There are also tools to help you find people who you may like to follow. Twellow (www.twellow.com) is

the “Yellow Pages” for Twitter. Register there so people can find you, and use it to find more people that you may find interesting.

How do I follow Twitter conversations? What’s the lingo? A Twitter “feed” (or list of Tweets) can be difficult to follow for beginners. Here are some tips:

- Understand that tweeters are limited to 140 character phrases – abbreviations, skipped words, and improper grammar are acceptable!

- @ indicates a Twitter “handle” or username. By including @ in a tweet, you are directly addressing that

user. If you wanted to wish your friend (username:maryA) a happy birthday, you would tweet: @MaryA Happy Birthday! @ is also a way to recognize someone in a tweet. If you just had a great meeting with Cap1Bank and GreenBiz, you might tweet: Great meeting with @Cap1Bank and @GreenBiz, looking forward to chatting more!

- RT: means “retweet.” A retweet is when a user forwards a tweet from a user. Example: ACCION_USA sends this tweet: RT @SalvationArmyBz: Microfinance can help Haiti | Radio Netherlands Worldwide http://bit.ly/9WoxE6 This means that ACCION USA is forwarding SalvationArmyBz’s tweet about Haitian mictofinance.

- # This is called a “hashtag” It signifies that you’re talking about a certain topic, even though you don’t mention that word in the tweet. When you include a hashtag in your tweet, it will show up for people who are following that topic. Ex: RT @SocialEarth Global Community Listens to the Voices of Microfinance: Vittana http://bit.ly/8KELm6 #socent

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ACCION USA – 115 East 23rd Street, 7th Floor, New York, NY 10010 Phone: (212) 387-0377 Fax: (212) 387-0277 www.accionusa.org

This means that this tweeter wanted those interested in Social Entrepreneurship (#socent is the abbreviation) to see this tweet. See useful Twitter tools for resources on how to choose hashtags.

- DM: this signifies a direct message. If you start your tweet with DM, it will be a private tweet

between you and the recipient. (Set up a direct messages column in your tweet deck to manage)

Useful Twitter tools:

- TweetDeck (www.tweetdeck.com) Essential Twitter management tool – everyone must have this!

- Bitly.com (http://bit.ly/) Allows you to shorten links to under 140 characters. If you register for an account, you can also track on how many people click on your link.

- Twellow (www.twellow.com) Twellow is the Twitter Yellow Pages, a tool that allows you to search for users you may be interested in following and allows users to find you.

- Tagalus (http://tagal.us/) A tool for identifying hashtags that are currently in use.

- Twitter home page On the bottom, there are lists of topics that are “trending” – or topics that

are currently popular. These are good conversations to join! “Getting Good” at Twitter

- Good tweeters always include links, when relevant, in their Tweets. This proves that you’re a good source of information!

- Good tweeters RT (retweet) other’s tweets. You’re helping them spread their message, and they’ll help you in return.

- Good tweeters use hashtags (#) to better integrate themselves in the twitter community - Good tweeters have a good mix of industry news, personal messages, and information sharing. Don’t

be a “messaging machine!” Suggestions for Hashtags to use and follow:

- #mifimon – Microfinance Monday – a weekly microfinance discussion group - #microfinance - #smallbiz - #socent – Social Entrepreneurship - Competitor searches – Grameen, Kiva, SBA, etc.

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ACCION USA Financial Education Program

ACCION USA has provided financial education and technical assistance in various forms to

microentrepreneurs for nearly two decades. Since 2002 we have directly educated over 20,000

individuals.

ACCION USA Financial Education Program Results

Outputs (2002 – 2009) Outcomes (2002 – 2009)

Workshops: 14,389 Participants Financial Literacy: 96% of workshop attendees (New

England) reported improvements in knowledge

Credit: 242 loans disbursed to workshop participants (data

from 2002 – 2008)

One-on-one counseling: 8,103 sessions

Client Satisfaction: 85% of NY attendees found workshops

helpful or very helpful

Today, ACCION USA’s financial education program is designed and executed to be a complement to our

lending – serving as both an important outreach and customer service tool for our business. ACCION

USA’s lending and outreach staff form strong personal relationships with our clientele during the loan

process, providing expertise about small business finances, management, and credit, often in the

clients’ native language. We organize free financial education and networking activities, designed to

supplement the financial products that we offer.

ACCION USA’s financial education program is truly unique in the marketplace due to the following

distinctive features:

• Tied to strategic products – The program was designed as a platform to educate participants

about resources and beneficial financial products available to them in their communities, both

through partners and ACCION USA offices, allowing them to immediately put what they learn

into practice. Knowledge of these products provides an alternative to predatory loans, which

are ubiquitous in minority and disadvantaged communities.

• Free of charge – For many economically disadvantaged individuals, cost is a significant barrier

to improving financial literacy and business acumen. ACCION USA’s technical assistance

program is made available at no cost to the user.

• Specifically targeted toward low-income and minority populations – To achieve greater impact

among lower-income individuals, technical assistance activities are promoted in media channels

and via partners that work with and target low-income and minority communities in our

current geographies. Program materials and activities are available and conducted in English,

Spanish, French and Portuguese.

• Continually adapted for relevance and cultural sensitivity – Daily interaction with our loan

clients guides the development of content for our program, to ensure that we provide up-to-

date information on key business and financial issues faced by our clientele.

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Delivery Channels

Financial education is delivered by ACCION USA through the following channels:

• One-on-one technical assistance. ACCION USA’s Intake team and Loan Consultants offer clients

and potential clients consultations covering both personal and business finances. Topics include

credit repair and management, recordkeeping, cash flow management, banking, and marketing.

• Workshops. ACCION USA offers free financial education

workshops, paired with materials available in hard copy and

online. (wwww.accionusa.org/workshops) Curriculums include:

o Your Money and You - Covers a broad range of topics,

including money management, understanding credit,

small business fundamentals and business taxes and

insurance.

o Build Your Credit - Addresses how to build a credit

history in the U.S. and how to strengthen

microentrepreneurs’ credit history.

o Business Survival Strategies -Teaches how to protect credit and manage business cash

flow as well as provides tips for maximizing marketing.

• Speed coaching events. In Boston, ACCION USA has partnered

with the Boston Beer Co., to offer to microentrepreneurs

“speed coaching” workshops. Participants receive practical

advice and guidance in the areas of business consulting,

marketing, financing, legal advice and more.

• Webinars. In July 2009, ACCION USA launched its online series

of Webinars – web-based workshops conducted over the

Internet. Webinars are unique in their interactive offerings,

giving both guest instructors and participants the ability to give, receive, and discuss

information.

• Train-the-trainer program. ACCION USA’s train-the-trainer program enlists volunteer

instructors, loan referral partners, and other community organizations (e.g., adult education

programs) to deliver our technical assistance curriculum.

• Multimedia. Toolkits, tip sheets, workbooks, quizzes, resource brochures, articles, podcasts,

and webinars expand our reach and help ACCION USA deliver a robust and engaging financial

education program via our website (www.accionusa.org/financialeducation) or in our various

community based activities.

“I was one of the pastry chefs sitting in the back near the window…People in my industry often work

long, exhausting hours and there is little time in the day left for doing the legwork necessary to

realize our own dreams. [The Business Survival Strategies Workshop] helped generate excitement and

get us motivated to take concrete steps to ensure that we won't be working for someone else forever.”

For more information on our financial education program, please contact us:

617-625-7080 x 1195; egarlow@accionusa.org

ACCION USA Your Money and You

financial education workbook

ACCION USA Build Your Credit

workbook (Spanish version)

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ACCION USA Presents…

The 2010 Small Business Webinar Series

www.accionusa.org ACCION USA Headquarters — 115 East 23rd Street, 7th Floor, New York, NY 10010

Who is ACCION USA? As a leader in U.S. microfinance, ACCION USA empowers small business owners with access to capital and financial education.

AUSA Financial Education Program

Through the following financial education activities, we provide business owners with the advice and tools to successfully manage personal and business finances:

� Online Webinars � Community workshops � Financial tips and articles available for FREE at

www.accionusa.org/financialeducation

What is a Webinar? A webinar is an online meeting place where presenters can share advice and participants can ask questions. Webinars provide an opportunity for busy small business owners to hear advice and network with a live expert from the convenience of your home or office. Internet access is required for participation.

Webinar Topics

In 2010 AUSA will present a variety of FREE, interactive webinars on the following topics:

� Small business bookkeeping � Taxes and insurance � Social media marketing � Building a free website � Green business strategies � Credit Management . . . And more!

We will also provide LIVE Question and Answer sessions with AUSA Loan Consultants on how to prepare your small business for financing.

Where Do I Go to Sign Up? View upcoming webinars and register online at:

www.accionusa.org/workshops

ACCION USA 2010 Webinar Calendar January: Website Building February: Bookkeeping, Website Building March: Cash Flow, Taxes, Debt Settlement (Spanish), Credit (Portuguese) April: Credit, Green Business May: Energy Efficiency, Green Business Marketing June: Green Business Certifications, Sustainability and Leadership July: Social Media Marketing Part II, Business Goal Setting August: Insurance, Financing Alternatives September: Women in Business, Credit, Identity Theft (Spanish) October: Customer Service, Identity Theft, TBD (Portuguese) November/December: Holiday Budgeting, Inventory Management (English and Spanish)

Words of Wisdom From Webinar Guest Speakers: Business Bookkeeping “Small business failures don’t occur because the company didn’t succeed at what they do best, it’s because they lacked the basic infrastructure for accounting.” (Myrna Stacy, CPA) Website Design “The main page of your website is the most important. Customers will decide whether to stay based on the content and layout on this page.” (Yola.com)

31

ACCION USA – 115 East 23rd Street, 7

th Floor, New York, NY 10010

Phone: (212) 387-0377 Fax: (212) 387-0277 www.accionusa.org

Tell your clients “Yes” with Accion USA

WHO WE ARE

ACCION USA (AUSA) is a nonprofit microfinance organization that provides access to capital and financial education to low- and moderate-income individuals. A recognized leader in U.S. microfinance, AUSA empowers individuals to create sustainable businesses, build credit, increase family incomes, and contribute to the economic development of cities across the U.S.

LOAN PRODUCTS

Business Loans: � Established business loans (open longer than 6 months): up to $50,000. � Start-up business loans: up to $30,000

Non-Business Loans: � Credit start loans: $700 (must have a provable income for 6 months and no credit history). � Personal development loans: $1,000-$10,000. � Secured loans: $500 and up.

Note all AUSA loans are personal guarantee. The amount of the payments determines the size of the loan.

PREQUALIFY CHECKLIST (Helpful to ask before you refer to AUSA)

Answers must be YES:

� Do you have a personal credit score above 575? � Do you own fewer than three (3) properties? � If you have a mortgage, is it a fixed-interest rate mortgage (not adjustable)? � Are you free of active bankruptcy/foreclosure and have been for the last 12 months? � Are you current on your mortgage and/or rent and have been for the last 12 months? � Are you current on your personal and business bills? AUSA does not give loans to help people “pay their bills.” � Are you free of any accounts, unpaid judgments, collections, liens, charge-offs or medical bills that are past due in

excess of $3,000? � Do you have proof of a stable source of income? � Do you have healthy balances on your credit cards? � For Business Start Ups – Do you have the following?

� Cosigner, Business Plan with 12 months of financial projections, 50% equity investment, All licenses and permits to operate, Signed lease if business will be storefront, Stable income – At least one of the owners must keep a full or part time job.

BENEFITS OF PARTNERSHIP

� Mutual referrals. � Provide access to capital for entrepreneurs not ready for conventional loans. � Report to credit agencies to help to formalize your clients and improve their personal credit. � One on one credit assistance from the Loan Consultant. � Remote disbursement available. � Access to a great network and resources for entrepreneurs. www.accionusa.org � Personalized customer service and timely updates about your clients’ status. � Reports on referrals status for formal partnerships.

REFERRAL PROCESS

Partnership Information Sheet

If Partner Manages Clients Relationship: � Partners help the client to fill out the application. � Send complete and signed application to assigned

AUSA loan consultant. � Loan consultant will contact client within 48 hours and

will call partner with preapproval information. � Loan Consultant will let partner knows next steps to

gather complete loan package.

If AUSA Work Directly with your Client: � Partner provides AUSA application to the

client after the prequalification questions. � Send complete application to loan consultant. � Loan consultant will follow up with partner

within a week on status of referral.

32

ACCION USA 115 East 23rd Street, 7

th Floor, New York, NY 10010 (t) 212-387-0377 (f) 212-387-0277 www.accionusa.org

Additional programs at ACCION USA. The Green Cart Program NYC fosters the availability of fresh produce throughout the city by providing licenses to Green Cart vendors. We work with NYC to provide financing to those vendors who need financial assistance to purchase their carts. Through presentations at meetings on the Green Cart process and through a flyer which is included in the application packet, potential applicants are informed about ACCON USA and the loans we can make. Most loans are under $5000. Glamis Haro (x 1523) coordinates this program for AUSA. Kiva.org ACCION USA participated as one of the first domestic field partners on Kiva.org. The Kiva program at ACCION USA allows our clients with business loans under $10,000 the option to post a profile to the kiva.org website. It’s a chance for our clients to share their stories of entrepreneurship, inspiring others to pursue their dreams of business ownership. Clients that participate receive a $50 dollar AMEX gift card and also have the option to market their business’s website on Kiva.org. ACCION USA has a monthly fundraising limit of $100,000 with Kiva. Join the ACCION USA lending team on Kiva.org and make a loan to one of our clients across the country. Yola.com ACCION USA has partnered with Yola.com to provide free web building and hosting services to our clients. It’s an excellent added value service that allows are clients to formalize their businesses by building a web presence. Yola.com provides a resource center where our clients can find the information they need to use the easy drag-and-drop features. In our New York office we are being provided a computer that will allow our clients easy access to building their websites. With the help of volunteers, ACCION USA clients can receive assistance building their websites for free with Yola.com. Tax preparation (VITA)- Miami For the past 5 years, Miami as run a VITA (Volunteer Income Tax Assistance) tax preparation site. ACCION USA-Miami does free income tax returns for anyone with income under $35,000 and any sole proprietorship business that needs to file a Schedule CEZ or Schedule C (corporations are out of scope). The main focus is to help eligible people get the Earned Income Tax Credit, which is a refundable credit available to working people of lower incomes between the ages 25-65. Last year ACCION USA did 460 returns and helped tax clients receive thousands of dollars in EITC credits

33

ACCION USA 115 East 23rd Street, 7

th Floor, New York, NY 10010 (t) 212-387-0377 (f) 212-387-0277 www.accionusa.org

UMEZ and BEZ

UMEZ

A $ 5.5 Million loan program initiated January 2007 in partnership with UMEZ (The Upper Manhattan Empowerment Zone) to give subsidized rates to business owners working in Upper Manhattan.

APR 6.99%-9.99%

10026, 10027, 10031 - Central and West Harlem 10029, 10035, 10037, 10030 - East Harlem 10032, 10033, 10034, 10039, 10040 - Washington Heights and Inwood

BEZ

Loan Capital fund in partnership with the in Bronx Empowerment Zones (BEZ) to provide business loans with fix rate to qualify candidates in specific areas in south Bronx.

APR 6.99% to 10.99%,

10451 - Yankee Stadium/Grand Concourse 10452 - High Bridge 10453 - Morris Heights, University Heights 10454 - Port Morris 10455 - Mott Haven 10474 - Hunts Point

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samuel adams brewing the american dream® fund at accion usa

The Samuel Adams Brewing the American Dream Fund at ACCION USA provides food,

beverage and hospitality microentrepreneurs with capital to grow or establish their

small businesses. The fund is a core part of the Samuel Adams Brewing the American

Dream program, The Boston Beer Company’s philanthropy initiative designed to

provide critical tools and resources to help microentrepreneurs become financially

independent.

ACCION USA, the nation’s largest nonprofit microloan provider to microentrepreneurs, is The Boston Beer Company’s experienced partner, providing capital to small business owners who cannot access “traditional” financing for their businesses.

Business loans available from the Samuel Adams Brewing the American Dream Fund at ACCION USA range from $500 to $25,000 and can be used by food & beverage and hospitality entrepreneurs to:

• Expand or start a business

• Purchase inventory and equipment

• Market a business

• Pay licensing fees

ACCION USA loan officers work one-on-one with clients to help them evaluate their unique needs and direct them to additional resources to help establish, strengthen, or grow their businesses.

Many small business owners choose to work with ACCION USA because they:

• Look beyond credit scores to criteria that banks often don’t consider including character, potential of entrepreneur and his or her business, and references;

• Have interest rates that are fair and competitive with banks and are well below those of credit cards and finance companies

• Help clients establish and grow their credit scores laying the groundwork for future loans from banks and other traditional business finance sources

• Are committed to their mission of helping independent businesses succeed and treat every client with respect – offering assistance in English, Spanish, and Portuguese.

The Boston Beer Company and ACCION USA champion the great ideas and dreams of aspiring microentrepreneurs in the food, beverage and hospitality industry who have passion and drive, but need a little more support to bring their vision to life.

If you know a food & beverage or hospitality entrepreneur who might be in need of a small business loan through ACCION USA call (617) 625-7080 x2402, email loans@accionusa.org or visit www.accionusa.org/samadams.

“Just two years ago

I was workIng gruelIng

14-hour days for very

low wages and dreamIng

of my own busIness and

the abIlIty to pursue my

passIon for my craft. as

the fIrst recIpIent of a

loan from the samuel

adams brewIng the

amerIcan dream fund,

I was able to secure the

capItal I needed and am

on my way to buIldIng

my busIness and lIvIng

my dream.”

CARLENE O’GARRO

Delectable Desires

35

“Just two years ago

I was workIng gruelIng

14-hour days for very

low wages and dreamIng

of my own busIness and

the abIlIty to pursue my

passIon for my craft. as

the fIrst recIpIent of a

loan from the samuel

adams brewIng the

amerIcan dream fund,

I was able to secure the

capItal I needed and am

on my way to buIldIng

my busIness and lIvIng

my dream.”

CARLENE O’GARRO

Delectable Desires

education programs for food, beverage and hospitality entrepreneurs

Samuel Adams Brewing the American Dream is The Boston Beer Company’s

philanthropic initiative developed to help lower income food & beverage

and hospitality entrepreneurs become financially independent business

owners through the pursuit of their craft.

Together with our partner ACCION USA, the nation’s largest nonprofit microloan provider to entrepreneurs who cannot access bank credit for their businesses, we’ve developed education programs to give food & beverage and hospitality entrepreneurs some financial and business literacy basics to better equip them for long-term entrepreneurial success.

Financial and Business Literacy Seminars

Samuel Adams Brewing the American Dream offers free financial and business literacy seminars for aspiring microentrepreneurs. Seminars are taught by ACCION USA’s microfinance professionals and members of The Boston Beer Company team who are skilled in various business disciplines. Together our teams give top-line guidance, answer questions and help solve small business challenges unique to microentrepreneurs. Seminars are offered in English, Spanish and Portuguese on a rotating schedule.

Sessions are roughly two-hours in length. They include a brief introduction to resources offered through the Samuel Adams Brewing the American Dream program and cover a selection of topics that may include:

• Credit

• Money management

• Fundamentals for branding and marketing a small food & beverage business

Speed Coaching Events

Our Speed Coaching events provide a small group of microentrepreneurs with the opportunity to meet one-on-one and in small groups with The Boston Beer Company’s staff including marketing, public relations, packaging and sales & distribution experts. Microentrepreneurs bring their branding and marketing challenges and get practical advice, guidance, and tips that can be easily applied to their businesses.

The Boston Beer Company and ACCION USA are committed to championing the great ideas and dreams of microentrepreneurs in the food, beverage and hospitality industry who have passion and drive, but need a little more support to bring their vision to life.

If you know a food & beverage or hospitality entrepreneur who might benefit from attending a Samuel Adams Brewing the American Dream education program, call ACCION USA at (617) 625-7080 x2402 or visit www.accionusa.org/samadams.

36

Joining the ACCION USA Lending Team on Kiva • Go to kiva.org. Click on the “Community” button at the top of the page.

• In the box next to “Search for a lending team” type “Accion USA.”

• Click “Join Team.”

• If you are a member of Kiva, sign in using your email and password. If not, sign up with the options provided.

Making a Loan on Kiva

• Click on the “Lend” button at the top of the page.

• Here, you can sort by gender, sector, region, popularity, or status of loan (fundraising, raised, paying back, paid back, etc).

• To view all AUSA borrowers who are currently fundraising, type “accion usa” in the search box and select “Fundraising” in the Status menu.

37

• Click the “Lend $25” button, or click the borrower’s name to view their full profile, enter the amount you wish to lend in the box, and click “Lend Now.”

• On the “My Basket” page, you’ll see the borrower’s photo and the total you are lending to them. In the “Count Towards Team” menu, make sure ACCION USA is selected.

• To redeem your gift certificate, click on the link next to “Got a gift certificate to redeem?” at the bottom of the page.

• On the redeem page, enter the gift code of your card and the email of the purchaser of the card, edorn@accionusa.org.

• You will then be taken through the regular payment confirmation pages. On the Support Kiva page, you can choose to donate an extra amount to fund traveling expenses for Kiva fellows. This is optional.

• Thank You!

38

ACCION USA – 115 East 23rd Street, 7th Floor, New York, NY 10010 Phone: (212) 387-0377 Fax: (212) 387-0277 www.accionusa.org

The DON’TS

There is no streaming of video, music, etc for personal reasons only business related

Social networking sites are for business related purposes only

Downloading third party applications is forbidden unless authorized by

senior management

Using the corporate email as a personal account is forbidden

Please do not open an attachment sent from a person you do not know

The Do’s

Please change you passwords regularly and don’t share or write them down (TEA, CATS, Network Access, and the Voicemail System)

Please logoff every time when you’re done for the day

Install windows updates if prompted or contact IT

Check to make sure that you are on a safe and secure site when sharing

vital information SSL

Please do check with IT if you feel you have received any type of malicious software

Please consult with IT if you need any type of software installed

IT Do’s and Don’ts

39

ACCION USA 115 East 23rd Street, 7th Floor, New York, NY 10010 (t) 212-387-0377 (f) 212-387-0277 www.accionusa.org

ACCION USA VOLUNTEER INFORMATION Name (PLEASE PRINT): Volunteer position: Phone number: Email: Local Address: Permanent Address: ADDITIONAL INFORMATION Contact (in case of an emergency): How did you hear about ACCION USA?

LOSANGELES 870167 (2K)

ACCION USA: Volunteer Confidentiality Agreement and Waiver and Release

Agreement made this ___ day of _______, 20__ by and between ACCION USA, a not-for-profit corporation (“ACCION USA”) and ___________________________________ (“you”).

I. Volunteer Confidentiality

As a volunteer at ACCION USA, you will or may have access to confidential information of ACCION USA and ACCION USA’s clients or associates. To protect this confidential information you agree to the following by signing this Agreement:

1. “Confidential Information” means all trade secrets, proprietary information, and other data and information, in any form, belonging to ACCION USA or any of ACCION USA’s clients, customers, licensors or associates, that is held in confidence by ACCION USA or any of them. Confidential Information includes but is not limited to ideas, improvements, inventions, developments, business plans and arrangements, customer lists, donor lists, marketing materials, financial information, research, designs, formulas, concepts, computer programs, software, firmware, source code, object code, algorithms, object modules, databases, and any other information identified or treated as confidential by ACCION USA or any of its clients, customers, licensors or associates. Confidential Information does not include information which ACCION USA has voluntarily disclosed to the public without restriction, or which is otherwise known to the public at large.

You understand that ACCION USA from time to time has in its possession information which is claimed by others to be proprietary and which ACCION USA has agreed to keep confidential. You agree that all such information shall be Confidential Information for purposes of this Agreement.

2. While volunteering with ACCION USA and thereafter, you shall not directly or indirectly use any Confidential Information other than pursuant to your engagement by and for the benefit of ACCION USA, nor disclose to anyone outside ACCION USA any such Confidential Information.

3. You agree that all originals and all copies of all manuscripts, drawings, prints, manuals, diagrams, letters, notes, notebooks, reports, models, records, files, memoranda, plans, sketches and all other documents and materials containing, representing, evidencing, recording, or constituting any Confidential Information, however and whenever produced (whether by you or others), shall be the sole property of ACCION USA.

4. You recognize that money damages alone would not adequately compensate ACCION USA in the event of breach by you of this Agreement, and you therefore agree that, in addition to all other remedies available to ACCION USA at law, in equity or otherwise, ACCION USA shall be entitled to injunctive relief for the enforcement hereof. All rights and remedies hereunder are cumulative and are in addition to and not exclusive of any other rights and remedies available at law, in equity, by agreement or otherwise.

LOSANGELES 870167 (2K) 2

II. Release and Waiver of Liability

You desire to provide volunteer services for ACCION USA and participate in the activities related to being an ACCION USA volunteer. For valuable consideration, the receipt and sufficiency of which is hereby acknowledged, you with full knowledge of your rights do hereby freely, voluntarily, and without duress execute this Agreement in favor of ACCION USA, ACCION USA’s directors, officers, employees, agents, contractors and subcontractors, and their respective successors and assigns, under the following terms:

1. You understand and agree that the scope of your relationship with ACCION USA is limited to a volunteer position and that no compensation is expected in return for services provided by you. You further understand and agree that ACCION USA will not provide any benefits traditionally associated with employment to you. You further understand and agree that ACCION USA does not provide worker’s compensation insurance for volunteer participants.

2. You do hereby release and forever discharge and hold harmless ACCION USA from any and all liability, claims, damages, and demands of whatever kind or nature, either in law or in equity, which arise or may hereafter arise from your participation in ACCION USA’s work. You understand and agree that this Agreement discharges ACCION USA from any liability or claim that you may have against ACCION USA with respect to any bodily injury, personal injury, illness, death or property damage, including without limitation damage to your personal property, that may result from your participation in ACCION USA’s work, whether caused by the negligence of ACCION USA or otherwise. You also understand and agree that ACCION USA does not assume any responsibility for or obligation to provide financial assistance, including but not limited to medical, health or disability insurance.

3. You do hereby release and forever discharge ACCION USA from any claim whatsoever which arises or may hereafter arise on account of any first aid, treatment, or service rendered in connection with the your participation in ACCION USA’s work or with the decision by any representative or agent of ACCION USA to exercise the power to consent to medical or dental treatment.

4. You understand and agree that the work may include activities that may be hazardous to you, and you hereby acknowledge that all known hazardous activities have been disclosed to you.

You hereby expressly and specifically assume the risk of injury or harm in the activities of your participation in ACCION USA’s work.

5. You understand and agree that ACCION USA does not carry or maintain health, medical, or disability insurance coverage for any volunteer. You are expected and encouraged to arrive with medical or health insurance coverage in effect.

6. You do hereby grant and convey unto ACCION USA all right, title, and interest in any and all photographic images and video or audio recordings made by ACCION USA during ACCION USA’s work, including, but not limited to any royalties, proceeds or other benefits derived from such photographs or recordings and consents to the unrestricted use by ACCION USA of said images and recordings.

LOSANGELES 870167 (2K) 3

7. You expressly agree that this Agreement is intended to be as broad and inclusive as permitted by applicable laws, and that this Agreement shall be governed and interpreted in accordance with the laws of the State of New York without giving effect to its principles of conflicts of law. You agree that in the event that any clause or provision of this Agreement shall be held to be invalid in any court of competent jurisdiction, the invalidity of such clause or provision shall not otherwise affect the remaining provisions of this Agreement which shall continue to be enforceable.

8. This Agreement may be executed by the parties hereto in separate counterparts, each of which when so executed and delivered will be an original, but all such counterparts will together constitute but one and the same instrument.

IN WITNESS WHEREOF, you and ACCION USA have executed this Agreement on the date set forth above.

ACCION USA VOLUNTEER

By: __________________ ______________________

Last First Ext. Office Last First Ext. OfficeAlvarez Maria 1530 NY Leavitt Lily 1090 Bostonpp g p

1822Arias Lilliam 1521 NY Made Jose 1502 NYBangale Ajay 1507 NY Marin Juan 1509 NYBoss Neil 1547 NY Mateo William 1821 MiamiCardona Monica 1535 NY Matta Narinder 1524 NYCastillo Ivelise 1501 NY May Melissa 1685 BostonCely Sandra 1558 NY McCarthy William 1528 NYCerveira Rodrigo 1053 Boston Mendoza Renzo 1450 BostonDang Alex (323) 351-7032 LA Milord JoAnn (305) 571-9116 MiamiDenker Elenor 1537 NY Nguyen Anh 1824 MiamiDorn Erica 1533 NY Pierre Kendra 1543 NYDuperon Carmen 1511 NY Pineda Karla 1534 NYEspinal Denise 1513 NY Preciado Luz 1820 MiamiEstrella Betsy 1510 NY Quintero Paul 1514 NYEurkus Erika 1265 Boston Ralph Wole 1707 AtlantaFelix Natalie 1503 NY Ray Joanna 1057 BostonFish Anne 1205 Boston Roberts Melissa 1340 BostonFord Ken 1380 Boston Roldan Isaac 1517 NYGarcia Paola 1542 NY Rolóng Laine 1526 NYGarlow Elizabeth 1195 Boston Royles Matt 1310 BostonGarrido Yleana 1504 NY Salas Mariela 1506 NYGaviria Adriana 1545 NY Santiago Magaly 1525 NYGeronimo Kimberly 1370 Boston Shelat Anand 1550 NYGomez Luz 1826 Miami Soforenko Julie 1435 BostonGovera Jerry 1710 Atlanta Sormani Anne 1540 NYGroenendaal Elizete 1532 NY Spaziano Jennifer 1505 NYGuadamuz Antonio 1825 Miami Stiles Andrea (512) 879-9966 EcuadorHammock Ana 1425 Boston Sturm Erika 1052 BostonHarman Gina 1512 NY Sun Yao 1546 NYHaro Glamis 1523 NY Tong Veronica 1702 AtlantaHemphill Maika 1557 NY Tosun Elise 1549 NYHernandez Ivelisse 1519 NY Twersky Johanna 1703 AtlantaHilenski Jesse 1706 Atlanta Velasquez Daniel 1315 BostonHimmlefarb Benjy 1829 Miami Venegas Ismael (323) 351-8621 LAHynes Rachel 1330 Boston Wehle Michele 1559 NYJiang Yan 1541 NY Wessier Ashley 1522 NYJimenez Keith 1539 NY Zuniga-Libman Evelin 1520 NYKostas Rob 1375 BostonKozien Laura 1536 NY

Extension List 11.4.2009

ACCION Affiliates:

Extension List 11.4.2009

ORGANIZATION CHART - NOVEMBER 2010

Ruth Benitez

RESOURCE DEVELOPMENT

COMMUNICATIONS & MARKETING

LENDING RESOURCE PLANNING & ADMIN

OPERATIONS Valeria Perez Laura Kozien Wanda Santiago Elenor Denker [C]Anne Sormani Erika Eurkus Alejandra Boggiano Judy La garrique Erica Dorn

Shaina Peterson (50%) Shaina Peterson (50%) Sarah WarfieldAshley Wessier Tracy Bartley Jen Spaziano (50%)

Andrea Stiles [C] Eli Groenendaal [C]Kelly Mcmahon

SERVICE FINANCE Victoria Richardson

Carmen Duperon Magaly SantiagoLiliam Arias Narinder Matta

Maria Fernanda Chusan Sandra CelyRasha ElBorhami

ASSET RECOVERY/ COLLECTIONS

RISK MANAGEMENT/ UNDERWRITING

TECHNOLOGY FLORIDA NEW YORK/ NEW JERSEY

NE, GA & INTERNET

Isaac Roldan Neil Boss William McCarthy William Mateo Laine Rolong Ana Hammock

Maria Alvarez Rob Kostas Lily Leavitt Joann Milord Monica Cardona Rodrigo CerveiraBetsy Estrella Joanna Ray Ken Ford Fabiana Estrada Evelin Libman Renzo Mendoza

Maria J Medina Melissa May Antonio Guadamuz Karla Pineda Sherri LaneYleana Garrido Ivania Palacios Luz Preciado Maika Hemphill Kim GeronimoMaria Medina Gustavo Perez Yan Li Jiang Melissa Roberts

Jose Made Elizabeth GarlowElizabeth Bueno Rachel Hynes

Jim Moore Esteban TapetilloJun Lee Claudia Cardoza

Alex Calmet Olivia SaphneGilmanda Sena Mauricio Flores

Jennifer Velasquez Diana Golopenta-Matei

Employees VISTAS/ Interns Consultants Johanna Twersky

Atlanta 2 0 Kevin McGeeManagers > Bold Boston 13 6

VISTAS and Interns> Italics Miami 5 1

[C] = consultant New York 33 9 2Other 3 0 1

TOTAL 56 16 3

GINA HARMAN

Paul Quintero