【产品手册】嘉信理财CharlesSchwab_见解宣传册Brochure_Investing_in.docx

Investing in our communities PAGE PAGE 2 Charles Schwab Bank is committed to investing in the communities in which we work and live, and to helping people take ownership of their financial futures. Our commitment to supporting our local communities is guided by the Schwab principles of service, collaboration, innovation, and client loyalty to create and preserve sustainable outcomes that promote economic security. The Bank’s Community Development Group (CDG) oversees our Community Reinvestment Act program, which serves the credit needs of the communities in which we operate, including low- and moderate-income neighbor- hoods, consistent with safe and sound operations. Our thoughtful program offers loans, investments, grants and services that support affordable housing, small business and sustainable job creation, and financial education. By collaborating with some of the most innovative and dedicated community partners, we are creating financial security and stability for under-resourced families and helping transform historically marginalized communities in California and Nevada. Since its inception in 2004, Charles Schwab Bank has invested, lent and granted nearly $1.8 billion to underserved communities, including: $1 billion to affordable housing $46 million to small business and job creation $7.5 million to financial education and other causes $734 million home mortgage loans to low- and moderate-income households SALE Pathways to entrepreneurship The Bank supports the creation of sustainable jobs and businesses through our robust Community Development Financial Institution (CDFI) lending platform. CDFIs are specialized mission-driven financial intermediaries that take a market-based approach to delivering new sources of capital into lower-income and underserved neighborhoods that have historically lacked access to conventional financing. We actively seek CDFI partners that are pioneering innovation in the small business lending industry. In 2015, the