Bank of America Charitable Foundation

"Working together, FCLF and Bank of America can make a positive difference in our communities." – John Moskos, Central Florida Market President, Bank of America

For more than a decade, Bank of America and the Bank of America Charitable Foundation have been supporters of the Florida Community Loan Fund and its mission to improve communities in Florida. Bank of America and the Foundation have provided FCLF with generous operating support grants as well as Debt Capital Investments (low interest community development loans) and a Program-Related Investment.

Bank of America Charitable Foundation's most recent operating support grant will make a significant impact in the low-income communities we serve. FCLF's financing - of supportive housing, affordable housing, community facilities and other economic development projects - improves communities throughout Florida. The flexible capital we provide is vital to the success of each project. In addition, these projects create and retain jobs, a key facet of economic development.

"The Florida Community Loan Fund's goals closely mirror Bank of America's commitment to making communities better places to live," said John Moskos, Central Florida Market President, Bank of America. "Working together, FCLF and Bank of America can make a positive difference in our communities."

Bank of America's philanthropy goes beyond financial support for various nonprofits in Central Florida. Orlando-area Bank of America employees volunteer countless hours each year at many charitable organizations, including:
• Habitat for Humanity of Greater Orlando
• Adult Literacy League of Central Florida
• Feeding Children Everywhere
• Military Warriors Support Foundation
• Welcome Back Veterans

About Bank of America Corporate Social Responsibility

Bank of America's commitment to corporate social responsibility (CSR) is a strategic part of doing business globally. Our CSR efforts guide how we opprate in a socially, economically, financially and environmentally responsible way around the world, to deliver for shareholders, customers, clients and employees. Our goal is to help create economically vibrant regions and communities through lending, investing and giving. By partnering with our stakeholders, we create value that empowers individuals and communities to thrive and contributes to the long-term success of our business. We have several core areas of focus for our CSR, including respnosible business practices; environmental sustainability; strengthening local communities with a focus on housing, hunger and jobs; investing in global leadership development; and engaging through arts and culture. As part of these efforts, employee volunteers across the company contribute their time, passon and expertise to address issues in communities where they live and work. Learn more at www.bankofamerica.com/about and follow us on Twitter at @BofA_Community.

Components of Capital

Cumulative Financing

“The collaboration with FCLF and using NMTC financing allows us to bring the most ambitious projects to life to benefit the communities we serve.” – Elodie Dorso, President & CEO

Community Health Centers of Pinellas

"FCLF understood our context, embraced the project vision, and were willing to make an investment that others deemed as too risky." – Lynn Brockwell-Carey, Executive Director

Neighbor Up Brevard

"FCLF shows a clear strategy and demonstrated evidence of addressing prevalent community needs." – J. Reymundo Ocañas, Director, Corp Responsibility

BBVA Compass

“FCLF provides stability for families, strengthens the region, and helps Truist fulfill our purpose to inspire and build better lives and communities." – Sandy Hostetter, Central Florida Region P

Truist

"We appreciate how the work of FCLF primarily benefits low- to moderate-income individuals and areas and supports the needs of our community." – Maria J. Thompson, Community Development Manager

Third Federal Savings

"We commend the important work of your organization, are glad to support its efforts." – Beverly Dabney

JPMorgan Chase Foundation

"FCLF is a difference maker! Their team provides solutions to bring about real change in a community." – Tim Marks, President & CEO

Metropolitan Ministries

"It is really working. FCLF is really touching low-income people." – Florida Community Loan Fund Founding Board Member

Sister Mary Heyser, RSHM

“We are proud to partner with FCLF on this project, which expands access to innovative, quality, comprehensive primary healthcare in our communities.” – Annie Neasman, President & CEO

Jessie Trice Community Health

"FCLF has a keen knowledge of Florida challenges & opportunities. We are confident our investment will be used to improve lives." – Kathleen Rizzo Young, Sr. VP, Community Development

HSBC Bank USA, N.A.

“FCLF is much more than a financing entity; they are the ultimate partner. They are on the front line protecting and building resources for the most vulnerable in our community."– Seth Eisenberg

Purpose Built Families Foundation

“FCLF addresses local community needs, which aligns with our core values. We appreciate your commitment to our communities.” – Mellissa Slover-Athey, Comm Reinv Ofcr

CenterState Bank

"FCLF has proven its community impact and hard work. We are proud to partner with FCLF." – Leslie Watson, Analyst, Community Investments

Dignity Health

“Thanks to FCLF we’re able to provide brand-new safe, affordable homes for 90 families in a sustainable mixed-use, mixed-income community." – Mitchell Rosenstein, Founder & Principal

Green Mills Group

"BankUnited understands the challenges facing our communities; we applaud FCLF's efforts. Thank you for making our community a better place to live." – Katrina Wright, VP Comm. Dev.

BankUnited

"Thank you to our friends at FCLF. Your staff has been patient and helpful. We'll make you proud!" – Bill Lazar, Executive Director

St. Johns Housing Partnership

“Thank you so very much for the exceptional services. We truly value FCLF’s contributions to furthering our mission." – Michael L. Bean, CEO

Housing Authority of Brevard County

“FCLF will help us have significant ongoing impact in West Lakes as we help families set roots in this community.” – Camille Reynolds, Executive Director

Hannibal Square CLT

"FCLF staff shares our vision and commitment to serve needy families and provide a high quality education to all children." – Thomas Cole, Founder

Emma Jewel Charter Academy

"Without the FCLF initial loan to purchase land, we might not have been able to move forward with farmworker housing." – Peter Routsis-Arroyo, CEO, Catholic Charities, Diocese of Venice

Casa San Juan Bosco

Our Partners

FCLF supporter, the Northern Trust Company, hosted a housing roundtable in Sarasota.

Support from Axiom Bank helps FCLF build strong communities.

Support from TD Bank Charitable Foundation helps FCLF build strong communities.

FCLF Board Members represent our investors, borrowers, and technical experts.

FCLF representatives are ready to talk about your project success.

FCLF Chief Lending Officer visits with the Executive Director of Neighbor Up (formerly BNDC)

FCLF financing to Housing Programs, Inc. helps provide affordable homes for ownership.

New rental homes are available for farmworker families at Casa San Juan Bosco.

FCLF projects create jobs and stimulate development in low-income communities.

FCLF staff and supporters volunteer at Million Meals event.

FCLF Financing to Neighbor Up Brevard helps provide affordable rental housing.

FCLF staff and US Legislative staff at an event honoring Youth of the Year.

Residents at Neighborhood Renaissance's Mathis Place enjoy affordable rent.

Support from Valley Bank helps FCLF build strong communities.

TD Charitable Foundation and TD Bank have supported FCLF's mission since 2006.

Rep. Ander Crenshaw visited KIPP Jacksonville School

FCLF and NMTC are creating a new facility for the Boys & Girls Clubs of Manatee County

FCLF Staff are on hand at conferences and events to discuss our programs.

Greater Heights offers new, safe, affordable rental homes in what was formerly a high crime area.

Neighbor Up, formerly BNDC, offers affordable housing in Brevard County.

FCLF and the NMTC Program renovated a historic building into a small business incubaor.

Catholic Charities, Diocese of Venice, financed the land for farmworker rental housing with FCLF.

The duPont Fund used FCLF and NMTC Financing to revitalize downtown Jacksonville.

Rep. Daniel Webster visited FCLF staff.

FCLF staff with Tampa's Chloe Coney at Metropolitan Ministries Tampa.

FCLF projects create jobs and stimulate development in low-income communities.

The RCRI Conference allows FCLF staff to touch base with our religious supporters.

DuPuis Pointe offers affordable, hurricane proof homes in Miami.

FCLF staff are active at statewide conferences and events.

ASPIRA of Florida offers education & mentoring with a focus on low-income and Latino students.

FCLF Staff meet and greet friends at an FLACDC event.

Emma Jewel Charter Academy offers education for the whole child in Brevard County.

Nutritious snacks are a part of the healthy focused curriculum at Emma Jewel Charter Academy.

FCLF CEO and one of our supporters visit the ASPIRA Arts Deco school.

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Core Purpose FCLF exists to maximize opportunities for people and places outside of the economic mainstream.

Our Vision Opportunity and dignity exist for every person and community in Florida.

Our Mission Our expertise and capital make projects successful and help organizations improve lives and communities.