Reporting Calendar Year: 2013

City of Los Angeles Responsible Banking Investment Monitoring Program

For Commercial Banks Commercial banks providing City banking business or seeking City banking business must complete and file this form no later than July 1st of each year to the City Treasurer to comply with Section 20.95.1 to Chapter 5.1 of the Los Angeles Administrative Code. BANK CONTACT INFORMATION: ________________________________________________________________ Name of Commercial Bank

________________________________________________________________ Street Address City State Zip Code

________________________________________________________________ Contract Person Name and Title

________________________________________________________________ Telephone No. Email Address

1. Please provide the number of loans and the value of loans by census tracts for the following types of loans in an excel format as provided.

a. Small Business Loans (gross revenue of $1 million or less) b. Home Mortgages c. Home Equity Loans d. Community Development Loans e. Community Development Investments

2. Does your institution participate in the Los Angeles Mortgage Modification Program (LAMMP)? Yes___ If yes, please provide the number of mortgages and the value of the mortgages by census tract that have received assistance in an Excel format as provided. No____ If no, please briefly explain:____________________________________ ________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ 3. Does your institution participate in any of the following CalHFA’s Keep Your Home California Programs? Yes__ No __ Unemployment Mortgage Assistance Program (UMA) Yes__ No __ Mortgage Reinstatement Assistance Program (MRAP) Yes__ No __ Principal Reduction Program (PRP) Yes__ No __ Transition Assistance Program (TAP)

If yes, please provide the number of mortgages and the value of the mortgages by census tract that have received assistance for each program in an excel format as provided. No____ If no, please briefly explain:____________________________________ ________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ 4. Does your institution participate in any of the following Making Home Affordable Programs? Yes__ No __ Home Affordable Modification Program (HAMP) Yes__ No __ Principal Reduction Alternative SM (PRA) Yes__ No __ Second Lien Modification Program (2MP) Yes__ No __ FHA Home Affordable Modification Program (FHA-HAMP) Yes__ No __ USDA’s Special Loan Servicing Yes__ No __ Veteran’s Affairs Home Affordable Modification (VA-HAMP) Yes__ No __ Home Affordable Foreclosure Alternatives Program (HAFA) Yes__ No __ Second Lien Modification Program for Federal Housing Administration Loans (FHA-2LP) Yes__ No __ Home Affordable Refinance Program (HARP) Yes__ No __ FHA Refinance for Borrowers with Negative Equity (FHA Short Refinance) Yes__ No __ Home Affordable Unemployment Program (UP) Yes__ No __ Other – Internal Home Modification Program If yes, please provide the number of mortgages and the value of the mortgages by census tract that have received assistance for each program in an excel format as provided. No____ If no, please briefly explain:____________________________________ ________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ 5. In a separate attachment, please provide a list and briefly describe your firm’s community investments and/or partnerships with the City and/or local non-profit organizations relating to job growth, affordable housing, home ownership, and foreclosure prevention within the City of Los Angeles.

6. What is the size of your institution as defined by the Community Reinvestment Act (CRA)? Large_x_ Intermediate _ Small_

7. Please provide your overall CRA Rating and your State of California CRA Rating from your most recent CRA exam? In addition, please provide the CRA rating for each performance tests.

Overall CRA Rating:

Issue Rating Date: ~/~/_IO_ Month Day Year

Overall CRA Rating: ~Outstanding _ High Satisfactory _ Low Satisfactory _ Needs to Improve _Substantial Noncompliance

Performance Levels

Performance Tests

Lending Investment Service

Outstanding X X HiQh Satisfactory X Low Satisfactory Needs to Im[Jrove Substantial Noncompliance

State of California CRA Rating :

Issue Rating Date: ~/~/_IO_ Month Day Year

State CRA Rating: ~ Outstanding _ High Satisfactory _ Low Satisfactory _ Needs to Improve _Substantial Noncompliance

Performance Levels

Outstanding High Satisfactory Low Satisfactory Needs to Improve Substantial Noncompliance

Performance Tests

Lending Investment Service

X X X

CERTIFICATION UNDER PENALTY OR PERJURY

I certify under penalty of perjury that I have read and understand the questions contained in this form and the responses contained in the form and on all the attachments. I further certify that I have provided full and complete answers to each question, and that all information provided in response to this form is true and accurate to the best of my knowledge and belief.

Matthew Bissonette,Vice ~~ December 16, 2014

Signature DatePrint Name, Title

City of Los Angeles - 2013 Amount (MM)Community Development Loans 96.71 Community Development Investments 4.55

City of Los Angeles TractTract

Income Allocated Amount

Lending 31084-06-037-2071.02 Low 6,480,000.00 Lending 31084-06-037-2088.01 Low 3,071,137.93 Lending 31084-06-037-1905.10 Low 2,958,300.00 Lending 31084-06-037-2260.01 Low 616,313.00 Lending 31084-06-037-1862.01 Middle 10,000,000.00 Lending 31084-06-037-1919.01 Middle 6,438,458.00 Lending 31084-06-037-2046.00 Moderate 20,936,000.00 Lending 31084-06-037-1909.02 Moderate 9,100,000.00 Lending 31084-06-037-5327.00 Moderate 7,580,000.00 Lending 31084-06-037-2197.00 Moderate 2,989,205.00 Lending 31084-06-037-2181.20 Moderate 1,861,500.00 Lending 31084-06-037-1952.01 Upper 12,100,000.00 Lending 31084-06-037-1253.10 Moderate 8,725,000.00 Lending 31084-06-037-1239.01 Middle 3,850,000.00 Investing 31084-06-037-1243.00 Middle 4,550,000.00

City of Los AngelesResponsible Banking Investment Monitoring Program For Commercial BanksCommunity Development Loans and Investments

2013 HMDA FULL YEAR MIS mr Area is Los Angeles Selected by Town 2013 mr

Home Purchase Home Improvement Refinancing Total LendingCensusTract Number Value of Loans Number Value of Loans Number Value of Loans Number Value of Loans1810.00 2 1,266 1 405 12 3,423 15 5,094 1813.00 1 545 10 3,395 11 3,940 1814.00 2 325 2 325 1815.00 2 462 2 462 1816.00 4 1,534 4 1,534 1831.01 1 508 1 167 9 2,041 11 2,716 1831.03 1 240 1 240 1831.04 3 725 3 725 1832.20 1 76 4 836 5 912 1832.21 6 1,439 6 1,439 1832.22 1 255 6 1,265 7 1,520 1833.00 6 1,598 6 1,598 1834.01 3 713 3 713 1834.02 2 675 2 675 1835.10 3 374 3 374 1836.10 1 106 1 106 1836.20 3 411 3 411 1837.01 3 370 3 370 1837.02 1 413 2 454 3 867 1851.00 1 667 5 2,077 6 2,744 1852.02 1 692 1 175 8 2,637 10 3,504 1852.03 2 578 2 578 1852.04 1 271 1 271 1853.10 2 706 2 706 1853.20 2 418 2 418 1861.00 9 2,570 9 2,570 1862.01 3 797 3 797 1862.02 4 806 4 806 1862.03 12 3,496 12 3,496 1863.01 4 1,161 4 1,161 1863.02 1 200 6 2,057 7 2,257 1864.03 2 264 2 264 1864.04 1 156 1 156 1871.01 1 583 1 583 1871.02 5 1,308 5 1,308 1872.00 6 948 6 948 1873.00 1 723 1 306 2 1,029 1881.00 1 265 3 466 4 731 1882.01 1 270 1 195 2 465 1882.02 1 766 8 2,605 9 3,371 1883.00 2 783 2 783 1891.02 3 2,495 3 2,495 1892.01 1 668 1 668 1892.02 9 5,721 9 5,721 1893.00 2 2,533 8 4,748 10 7,281 1894.00 4 3,275 4 1,008 8 4,283 1895.00 1 417 3 1,337 4 1,754 1896.00 5 2,245 5 2,245 1897.01 1 417 7 2,068 8 2,485 1897.02 1 175 4 4,900 5 5,075

City of Los AngelesResponsible Banking Investment Monitoring Program For Commercial BanksHome Mortgages and Home Equity Loans

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2013 HMDA FULL YEAR MIS mr Area is Los Angeles Selected by Town 2013 mr

Home Purchase Home Improvement Refinancing Total LendingCensusTract Number Value of Loans Number Value of Loans Number Value of Loans Number Value of Loans

City of Los AngelesResponsible Banking Investment Monitoring Program For Commercial BanksHome Mortgages and Home Equity Loans

1898.00 1 448 5 1,555 6 2,003 1899.02 2 1,090 2 1,090 1899.03 2 642 4 843 6 1,485 1901.00 1 810 1 810 1902.02 1 403 1 403 1903.01 2 224 2 224 1905.20 1 510 1 332 2 842 1908.02 2 354 2 354 1909.01 1 428 1 428 1909.02 1 532 1 201 2 733 1912.04 1 127 1 127 1913.02 1 269 1 269 1915.00 2 446 2 446 1916.10 4 1,137 4 1,137 1917.20 1 289 1 289 1918.10 1 291 1 291 1918.20 1 159 1 159 1919.01 1 174 1 174 1919.02 1 696 6 3,635 7 4,331 1920.02 2 1,214 2 1,214 1923.00 4 3,442 4 3,442 1924.10 7 5,157 6 2,521 13 7,678 1924.20 5 1,556 5 1,556 1925.10 1 400 4 1,162 5 1,562 1925.20 1 344 1 344 1926.20 1 394 1 394 1941.01 2 2,390 11 9,946 13 12,336 1941.02 4 2,598 9 7,056 13 9,654 1942.00 1 1,368 10 9,259 11 10,627 1943.00 5 4,413 9 4,977 14 9,390 1944.01 1 1,100 2 1,777 3 2,877 1944.02 1 235 2 663 3 898 1945.00 3 1,305 3 1,305 1951.00 3 2,249 11 3,810 14 6,059 1952.01 7 2,077 7 2,077 1952.02 1 626 10 4,027 11 4,653 1953.00 1 150 2 655 3 805 1954.00 2 1,074 4 1,986 6 3,060 1955.00 2 821 4 717 6 1,538 1956.00 1 776 2 555 3 1,331 1957.10 1 388 1 388 1957.20 1 624 1 624 1958.02 1 133 1 133 1958.04 1 230 1 230 1959.01 1 692 3 947 4 1,639 1959.02 2 227 3 989 5 1,216 1959.03 2 852 2 852 1972.00 2 256 2 256 1973.00 2 228 2 228 1974.10 8 2,248 8 2,248

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2013 HMDA FULL YEAR MIS mr Area is Los Angeles Selected by Town 2013 mr

Home Purchase Home Improvement Refinancing Total LendingCensusTract Number Value of Loans Number Value of Loans Number Value of Loans Number Value of Loans

City of Los AngelesResponsible Banking Investment Monitoring Program For Commercial BanksHome Mortgages and Home Equity Loans

1975.00 1 873 1 873 1976.00 1 500 3 783 4 1,283 1990.00 1 201 1 201 1991.10 1 202 1 72 2 274 1991.20 1 185 1 185 1992.01 1 225 1 225 1992.02 3 792 3 792 1993.00 1 384 7 1,331 8 1,715 1994.00 1 273 2 360 3 633 1998.00 2 478 2 478 1999.00 2 559 2 559 2011.10 5 959 5 959 2011.20 1 300 2 571 3 871 2012.00 1 308 1 308 2013.01 4 896 4 896 2013.02 5 1,098 10 1,833 15 2,931 2014.01 1 300 4 782 5 1,082 2014.02 1 268 4 902 5 1,170 2015.01 4 999 4 999 2015.03 1 410 2 508 3 918 2015.04 1 272 1 272 2016.01 2 449 2 449 2016.02 1 250 1 250 2017.00 1 293 6 1,332 7 1,625 2032.00 2 243 2 243 2033.00 2 329 2 329 2035.00 2 403 2 403 2037.10 3 552 3 552 2037.20 2 348 2 348 2038.00 2 215 2 215 2039.00 2 76 2 76 2041.10 6 721 6 721 2043.00 1 318 1 318 2044.20 1 105 1 105 2046.00 1 343 1 20,936 2 181 4 21,460 2047.00 1 299 1 154 2 453 2048.10 1 73 1 73 2048.20 1 269 1 269 2049.20 1 146 1 146 2051.20 2 473 2 473 2060.10 3 1,158 3 1,158 2060.31 5 1,901 10 2,926 15 4,827 2060.32 1 283 1 283 2062.00 2 469 2 469 2073.01 1 491 2 423 3 914 2073.02 1 130 2 597 3 727 2075.01 2 590 3 587 5 1,177 2077.10 1 527 2 532 3 1,059 2079.00 2 916 4 1,227 6 2,143 2080.00 1 428 1 428

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2013 HMDA FULL YEAR MIS mr Area is Los Angeles Selected by Town 2013 mr

Home Purchase Home Improvement Refinancing Total LendingCensusTract Number Value of Loans Number Value of Loans Number Value of Loans Number Value of Loans

City of Los AngelesResponsible Banking Investment Monitoring Program For Commercial BanksHome Mortgages and Home Equity Loans

2083.02 1 252 1 171 2 423 2084.02 2 425 2 425 2085.01 1 296 2 476 3 772 2086.10 1 360 2 543 3 903 2087.10 1 200 3 537 4 737 2091.02 2 500 2 500 2092.00 1 378 1 378 2095.10 1 294 1 294 2098.20 2 523 2 523 2100.10 2 372 3 469 5 841 2110.00 3 4,103 1 812 15 20,044 19 24,959 2111.20 2 510 3 541 5 1,051 2111.22 1 345 1 345 2112.01 1 398 1 398 2113.10 1 435 1 435 2113.20 2 994 2 994 2114.20 2 779 1 200 2 729 5 1,708 2115.00 2 700 6 2,561 8 3,261 2117.01 2 1,062 7 2,795 9 3,857 2117.03 2 430 6 1,507 8 1,937 2117.04 5 1,473 2 417 7 1,890 2118.02 2 667 3 750 5 1,417 2118.03 3 630 3 630 2118.04 1 389 1 316 2 705 2119.22 1 578 1 578 2121.01 6 1,940 7 1,447 13 3,387 2121.02 2 369 2 369 2122.02 2 810 1 225 3 1,035 2123.06 2 620 3 826 5 1,446 2124.10 1 214 1 214 2124.20 5 1,828 5 1,828 2125.01 1 288 1 288 2125.02 1 314 1 314 2126.10 1 367 2 811 3 1,178 2126.20 1 393 1 393 2127.01 1 300 3 512 4 812 2127.02 5 3,030 4 1,289 9 4,319 2128.00 1 563 5 1,988 6 2,551 2129.00 1 243 1 243 2131.00 4 1,340 3 923 7 2,263 2132.01 2 554 4 1,228 6 1,782 2132.02 2 1,018 2 529 4 1,547 2133.10 4 1,267 6 1,567 10 2,834 2133.20 1 490 1 490 2134.01 3 888 3 888 2134.02 3 999 1 258 4 1,257 2140.00 2 1,710 3 1,640 5 3,350 2141.00 1 968 1 220 11 8,299 13 9,487 2144.00 1 718 1 718 2147.00 1 1,569 10 3,879 11 5,448

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2013 HMDA FULL YEAR MIS mr Area is Los Angeles Selected by Town 2013 mr

Home Purchase Home Improvement Refinancing Total LendingCensusTract Number Value of Loans Number Value of Loans Number Value of Loans Number Value of Loans

City of Los AngelesResponsible Banking Investment Monitoring Program For Commercial BanksHome Mortgages and Home Equity Loans

2148.00 1 1,960 2 631 3 2,591 2149.01 3 1,431 5 1,690 8 3,121 2149.02 1 118 1 118 2161.00 3 2,836 7 3,048 10 5,884 2162.00 2 913 10 4,337 12 5,250 2163.00 2 1,771 6 2,176 8 3,947 2164.01 1 300 3 1,505 4 1,805 2164.02 1 94 1 94 2167.00 4 1,426 4 1,426 2168.00 3 2,828 3 2,828 2169.00 4 2,810 7 2,462 11 5,272 2170.01 1 750 5 1,806 6 2,556 2170.02 1 267 6 1,772 7 2,039 2171.00 1 585 2 568 3 1,153 2172.00 1 555 3 906 4 1,461 2181.10 3 1,239 4 1,301 7 2,540 2181.20 3 995 5 1,645 8 2,640 2182.10 2 612 1 238 3 850 2182.20 1 169 10 3,243 11 3,412 2183.00 1 333 5 1,507 6 1,840 2184.00 1 352 2 360 3 712 2185.00 1 408 2 284 3 692 2186.00 1 269 1 133 2 402 2187.01 3 593 3 593 2187.02 1 399 1 177 2 576 2188.00 1 348 1 168 2 516 2189.00 2 528 2 528 2190.10 1 300 3 507 4 807 2190.20 1 224 2 459 3 683 2193.00 3 856 3 856 2195.00 3 807 3 807 2198.00 1 287 1 201 2 488 2199.01 1 195 1 195 2199.02 3 517 3 517 2200.00 1 404 8 1,965 9 2,369 2201.00 3 1,005 3 1,005 2211.20 3 880 3 880 2212.10 1 273 1 273 2212.20 1 389 1 389 2213.02 1 353 1 244 2 597 2213.03 1 397 1 397 2213.04 4 983 4 983 2214.01 3 1,467 1 304 4 1,771 2214.02 2 936 2 936 2215.00 1 580 1 229 2 809 2216.01 1 82 1 82 2217.10 2 320 2 320 2218.10 1 370 1 370 2220.01 4 785 4 785 2220.02 2 311 2 311

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2013 HMDA FULL YEAR MIS mr Area is Los Angeles Selected by Town 2013 mr

Home Purchase Home Improvement Refinancing Total LendingCensusTract Number Value of Loans Number Value of Loans Number Value of Loans Number Value of Loans

City of Los AngelesResponsible Banking Investment Monitoring Program For Commercial BanksHome Mortgages and Home Equity Loans

2222.00 1 298 1 298 2225.00 4 805 4 805 2226.00 2 631 2 631 2240.20 1 275 1 275 2242.00 1 379 1 379 2247.00 1 345 1 345 2260.01 1 196 1 196 2260.02 1 348 2 519 3 867 2264.20 2 453 2 453 2267.00 1 165 1 189 2 354 2270.10 1 144 1 144 2270.20 1 202 1 180 2 382 2281.00 1 153 2 335 3 488 2282.10 2 337 2 337 2283.10 1 368 1 268 2 636 2283.20 1 217 1 217 2286.00 3 402 3 402 2287.20 3 437 3 437 2288.00 2 442 2 442 2291.00 1 240 3 402 4 642 2292.00 2 474 1 165 3 639 2293.00 1 143 1 143 2294.10 1 206 1 206 2294.20 1 131 1 131 2312.10 2 468 2 468 2312.20 1 282 1 282 2313.00 2 604 3 664 5 1,268 2314.00 3 429 3 429 2315.00 1 225 2 333 3 558 2316.00 7 1,606 7 1,606 2317.10 1 269 1 269 2317.20 2 355 2 355 2318.00 1 301 3 360 4 661 2319.00 2 453 2 453 2321.10 1 91 1 91 2321.20 2 494 2 494 2322.00 1 323 1 323 2323.00 2 351 2 351 2324.00 2 575 1 288 3 863 2325.00 2 391 2 391 2326.00 5 851 5 851 2327.00 1 221 1 160 2 381 2328.00 2 345 2 345 2340.00 6 1,043 6 1,043 2342.00 1 200 3 961 4 1,161 2345.01 4 843 4 843 2345.02 1 175 1 175 2346.00 2 701 3 472 5 1,173 2347.00 4 1,075 4 1,075 2348.00 5 611 5 611

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2013 HMDA FULL YEAR MIS mr Area is Los Angeles Selected by Town 2013 mr

Home Purchase Home Improvement Refinancing Total LendingCensusTract Number Value of Loans Number Value of Loans Number Value of Loans Number Value of Loans

City of Los AngelesResponsible Banking Investment Monitoring Program For Commercial BanksHome Mortgages and Home Equity Loans

2349.01 1 209 3 520 4 729 2351.00 1 417 6 1,309 7 1,726 2352.01 4 550 4 550 2352.02 1 158 3 431 4 589 2360.00 1 468 9 1,968 10 2,436 2361.00 4 1,093 7 1,538 11 2,631 2364.00 1 444 8 1,720 9 2,164 2371.01 2 190 2 190 2372.02 1 259 1 259 2373.00 3 669 3 614 6 1,283 2374.02 1 207 1 207 2377.20 1 420 1 420 2378.00 2 444 2 444 2379.00 1 164 1 164 2380.00 5 1,344 5 1,344 2381.00 2 705 3 377 5 1,082 2383.20 1 223 1 223 2384.00 7 1,203 7 1,203 2392.01 3 338 3 338 2392.02 1 386 1 386 2393.10 1 183 1 183 2393.30 1 166 1 166 2395.02 2 485 2 485 2396.02 1 230 1 230 2397.01 2 283 2 283 2397.02 1 261 1 261 2398.01 1 147 1 147 2398.02 3 543 3 543 2400.20 2 227 2 227 2402.00 1 229 2 535 3 764 2403.00 1 157 2 344 3 501 2404.01 1 148 1 234 2 382 2404.02 1 175 4 615 5 790 2405.00 2 227 2 227 2406.00 1 50 1 50 2407.00 1 204 7 877 8 1,081 2409.00 1 233 4 525 5 758 2410.01 1 211 5 744 6 955 2411.10 1 240 1 240 2412.01 2 265 2 265 2412.02 2 492 2 492 2413.00 2 381 3 367 5 748 2414.00 6 690 6 690 2422.00 1 118 5 575 6 693 2426.00 1 124 1 124 2427.00 1 140 6 754 7 894 2430.00 3 400 3 400 2431.00 1 97 1 130 2 227 2611.01 2 2,206 1 688 6 3,221 9 6,115 2611.02 3 3,467 1 3,678 13 13,595 17 20,740

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2013 HMDA FULL YEAR MIS mr Area is Los Angeles Selected by Town 2013 mr

Home Purchase Home Improvement Refinancing Total LendingCensusTract Number Value of Loans Number Value of Loans Number Value of Loans Number Value of Loans

City of Los AngelesResponsible Banking Investment Monitoring Program For Commercial BanksHome Mortgages and Home Equity Loans

2612.00 2 1,916 1 1,785 15 8,004 18 11,705 2621.00 1 1,100 12 33,429 13 34,529 2622.00 3 7,341 26 30,128 29 37,469 2623.01 4 4,499 11 10,424 15 14,923 2623.02 1 2,200 8 13,832 9 16,032 2623.03 4 5,089 1 5,160 12 16,727 17 26,976 2624.00 2 4,324 15 29,883 17 34,207 2625.01 4 6,478 8 5,530 12 12,008 2626.01 3 3,360 12 8,391 15 11,751 2626.04 6 9,250 17 12,695 23 21,945 2627.04 2 2,565 11 9,110 13 11,675 2627.06 2 4,224 16 19,356 18 23,580 2628.02 2 5,669 1 1,645 8 11,263 11 18,577 2640.00 3 3,780 5 3,366 8 7,146 2641.02 3 571 3 571 2641.03 3 1,882 4 2,246 7 4,128 2643.01 2 1,477 4 1,717 6 3,194 2643.02 4 9,251 1 2,415 6 2,757 11 14,423 2651.00 2 1,092 10 19,962 12 21,054 2652.01 7 3,425 7 3,425 2652.02 1 634 1 634 2653.03 1 553 1 553 2653.05 1 298 3 814 4 1,112 2654.10 2 1,797 2 1,797 2654.20 3 4,796 6 5,702 9 10,498 2655.10 4 1,183 4 1,183 2655.20 8 3,672 8 3,672 2656.01 1 417 4 2,481 5 2,898 2656.02 1 837 6 3,087 7 3,924 2657.00 1 598 8 4,885 9 5,483 2671.00 2 1,123 14 7,967 16 9,090 2672.00 3 1,295 1 237 11 3,965 15 5,497 2673.00 1 554 2 563 3 1,117 2674.02 3 1,293 2 414 5 1,707 2674.03 1 330 1 388 2 718 2674.04 1 145 1 145 2675.01 1 516 7 1,710 8 2,226 2675.02 4 610 4 610 2676.00 2 1,302 3 1,183 5 2,485 2677.00 1 333 4 1,518 5 1,851 2678.00 1 576 6 2,853 7 3,429 2679.01 2 2,293 1 417 6 1,947 9 4,657 2679.02 1 512 7 3,969 8 4,481 2690.00 1 1,086 9 4,691 10 5,777 2691.00 2 1,517 10 4,998 12 6,515 2693.00 4 5,111 15 11,775 19 16,886 2695.00 3 2,267 1 1,000 12 11,242 16 14,509 2696.01 1 671 1 671 2697.00 1 786 2 840 3 1,626 2698.00 4 745 4 745

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2013 HMDA FULL YEAR MIS mr Area is Los Angeles Selected by Town 2013 mr

Home Purchase Home Improvement Refinancing Total LendingCensusTract Number Value of Loans Number Value of Loans Number Value of Loans Number Value of Loans

City of Los AngelesResponsible Banking Investment Monitoring Program For Commercial BanksHome Mortgages and Home Equity Loans

2699.05 1 252 1 252 2699.06 1 417 1 417 2699.07 1 300 1 324 2 624 2701.00 1 260 3 254 4 514 2702.00 2 481 2 481 2703.00 1 455 4 1,327 5 1,782 2711.00 1 930 1 844 2 1,774 2712.00 1 248 1 190 2 438 2713.00 3 1,105 7 2,374 10 3,479 2714.00 3 2,758 10 4,679 13 7,437 2715.00 3 2,800 5 2,873 8 5,673 2716.00 3 2,831 6 2,683 9 5,514 2717.01 1 799 3 1,099 4 1,898 2717.02 2 545 2 545 2718.02 3 1,420 1 624 4 312 8 2,356 2719.01 2 948 2 948 2719.02 4 2,063 4 2,063 2721.00 1 1,500 1 260 6 1,087 8 2,847 2722.01 2 348 2 348 2722.02 1 681 2 930 3 1,611 2723.01 1 328 1 103 2 431 2723.02 2 402 2 402 2731.00 3 1,551 3 1,551 2732.00 5 2,119 5 2,119 2733.00 1 630 2 672 3 1,302 2734.02 2 1,512 2 1,213 4 2,725 2735.02 2 1,805 5 3,530 7 5,335 2736.00 1 1,536 5 2,358 6 3,894 2737.00 1 1,080 5 2,085 6 3,165 2738.00 1 1,056 4 2,236 5 3,292 2739.02 1 1,386 10 6,447 11 7,833 2741.00 15 9,632 1 700 15 5,097 31 15,429 2742.02 3 3,345 10 9,549 13 12,894 2751.01 2 678 2 678 2751.02 3 1,173 2 396 5 1,569 2752.00 4 855 4 855 2753.02 5 2,512 6 1,612 11 4,124 2753.11 1 592 2 635 3 1,227 2754.00 4 2,036 4 1,472 8 3,508 2755.00 1 160 2 167 3 327 2756.02 8 5,138 18 7,929 26 13,067 2756.03 7 1,919 7 1,919 2760.00 2 1,116 10 2,683 12 3,799 2761.00 4 1,052 4 1,052 2764.00 2 1,328 7 2,230 9 3,558 2765.00 1 610 6 1,708 7 2,318 2766.01 3 3,293 11 8,430 14 11,723 2766.03 1 381 10 1,452 11 1,833 2766.04 8 1,689 8 1,689 2770.00 1 634 13 5,364 14 5,998

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2013 HMDA FULL YEAR MIS mr Area is Los Angeles Selected by Town 2013 mr

Home Purchase Home Improvement Refinancing Total LendingCensusTract Number Value of Loans Number Value of Loans Number Value of Loans Number Value of Loans

City of Los AngelesResponsible Banking Investment Monitoring Program For Commercial BanksHome Mortgages and Home Equity Loans

2771.00 8 2,274 8 2,274 2780.01 1 400 2 616 3 1,016 2781.02 1 417 8 5,022 9 5,439 2911.10 1 257 2 315 3 572 2911.30 1 203 5 720 6 923 2912.10 7 1,391 7 1,391 2912.20 1 255 2 452 3 707 2913.00 4 617 4 617 2920.00 2 894 4 919 6 1,813 2932.01 6 1,385 6 1,385 2932.02 4 1,192 5 1,058 9 2,250 2933.01 2 722 6 1,232 8 1,954 2933.02 4 598 4 598 2933.04 1 221 6 1,319 7 1,540 2933.06 4 824 4 824 2933.07 1 300 1 129 2 429 2941.10 3 820 3 820 2941.20 2 507 2 507 2942.00 4 845 4 845 2943.01 6 1,200 6 1,200 2943.02 1 304 2 353 3 657 2944.10 2 57,301 4 1,028 6 58,329 2944.21 1 82 2 360 3 442 2945.10 3 781 3 781 2945.20 5 704 5 704 2946.10 4 952 4 952 2946.20 1 349 4 849 5 1,198 2948.10 1 200 4 871 5 1,071 2948.20 1 225 1 225 2949.00 3 512 3 512 2951.03 1 336 15 3,298 16 3,634 2962.10 2 559 2 559 2962.20 1 230 1 230 2963.00 2 537 17 3,259 19 3,796 2964.01 1 153 7 1,547 8 1,700 2964.02 4 1,608 7 2,005 11 3,613 2965.00 3 644 3 644 2966.00 7 1,151 7 1,151 2969.01 2 496 4 782 6 1,278 2969.02 1 239 1 100 3 649 5 988 2970.00 1 477 1 106 11 4,009 13 4,592 2971.10 3 348 3 348 2971.20 1 187 2 435 3 622 2972.01 1 264 3 851 4 1,115 2972.02 6 1,103 6 1,103 2973.00 4 812 4 812 2974.00 6 2,513 6 2,513 2975.00 2 920 7 2,120 9 3,040 2976.01 1 361 1 361 2976.02 1 320 5 707 6 1,027

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2013 HMDA FULL YEAR MIS mr Area is Los Angeles Selected by Town 2013 mr

Home Purchase Home Improvement Refinancing Total LendingCensusTract Number Value of Loans Number Value of Loans Number Value of Loans Number Value of Loans

City of Los AngelesResponsible Banking Investment Monitoring Program For Commercial BanksHome Mortgages and Home Equity Loans

6099.00 1 340 1 340 7001.01 1 60 1 60 7001.02 2 277 2 277 7002.00 4 1,707 4 1,707 7003.00 6 1,967 8 2,272 14 4,239 7004.00 2 2,347 8 4,827 10 7,174 7005.01 3 1,666 10 4,030 13 5,696 7005.02 1 293 5 1,198 6 1,491 7006.00 1 10,000 1 3,786 15 44,534 17 58,320 7007.00 5 17,063 13 33,228 18 50,291 7008.01 2 2,350 1 275 3 2,625 7008.02 2 935 2 935 7009.01 2 1,067 8 7,000 10 8,067 7009.02 2 2,169 7 5,538 9 7,707 7010.00 2 2,642 2 3,100 4 5,742 7024.00 1 460 5 1,144 6 1,604 7025.01 6 2,230 6 2,230 7025.02 2 289 14 3,075 16 3,364 7026.00 6 3,360 7 2,861 13 6,221 7027.00 1 550 8 2,642 9 3,192 7028.01 7 2,321 7 2,321 7028.02 1 395 1 395 7028.03 3 840 3 840 7029.01 1 420 4 712 5 1,132 7030.01 1 185 11 1,879 12 2,064 7030.02 1 739 12 3,782 13 4,521 7031.00 1 456 1 459 10 2,819 12 3,734 7032.00 2 716 14 4,229 16 4,945 Grand Total 515 405,985 34 48,045 2,117 973,512 2,666 1,427,542

11 of 11

Action TakenCensusTract Number of Loans Value of Loans ( in thousands)1810 21 1981813 6 421814 11 1411815 10 641816 1 201831.01 6 411831.03 2 21831.04 3 271832.2 3 211832.21 4 61832.22 4 241833 5 131834.01 2 341834.02 5 381835.1 3 151835.2 2 181836.1 3 191836.2 5 251837.01 2 21837.02 5 261838.1 5 341838.2 2 221851 10 651852.02 6 261852.03 4 121853.1 1 121853.2 3 91861 4 371862.01 1 91862.02 4 41862.03 1 201863.01 3 331863.02 10 501864.01 9 2871864.03 6 261871.01 2 91871.02 5 161872 8 48

SOURCE: 2013 SB FULL YEAR MIS 03_15_14 mrArea is Los Angeles Selected by Town 2013 mr

Originated Loans

City of Los AngelesResponsible Banking Investment Monitoring Program For Commercial BanksHome Mortgages and Home Equity Loans

1 of 17

Action TakenCensusTract Number of Loans Value of Loans ( in thousands)

SOURCE: 2013 SB FULL YEAR MIS 03_15_14 mrArea is Los Angeles Selected by Town 2013 mr

Originated Loans

City of Los AngelesResponsible Banking Investment Monitoring Program For Commercial BanksHome Mortgages and Home Equity Loans

1873 5 171881 13 721882.01 2 31882.02 10 491883 11 1261891.01 9 1341891.02 5 151892.01 6 271892.02 5 791893 15 971894 11 1051895 8 461896 7 431897.01 11 631897.02 6 371898 25 1611899.02 11 531899.03 8 251899.04 2 211899.05 10 701901 11 721902.01 2 41902.02 9 371903.01 7 361904.01 5 151904.02 2 121905.1 5 421905.2 4 341907 25 2641908.01 7 261908.02 13 631909.01 3 391909.02 7 781910 11 4541911.1 4 121911.2 6 81912.01 2 271912.03 3 15

2 of 17

Action TakenCensusTract Number of Loans Value of Loans ( in thousands)

SOURCE: 2013 SB FULL YEAR MIS 03_15_14 mrArea is Los Angeles Selected by Town 2013 mr

Originated Loans

City of Los AngelesResponsible Banking Investment Monitoring Program For Commercial BanksHome Mortgages and Home Equity Loans

1912.04 5 191913.01 1 21913.02 4 71914.1 6 151914.2 5 361915 8 421916.1 9 391916.2 2 21917.1 5 731917.2 2 41918.1 5 431918.2 1 51919.01 16 1491919.02 7 311920.01 6 721920.02 15 1491923 10 1201924.1 10 911924.2 7 351925.1 15 641925.2 6 131926.1 6 111926.2 4 231927 6 371941.01 6 501941.02 10 641942 12 1211943 11 1031944.01 9 1291944.02 14 1431945 13 881951 14 881952.01 9 701952.02 6 411953 8 491954 14 1951955 11 1341956 6 136

3 of 17

Action TakenCensusTract Number of Loans Value of Loans ( in thousands)

SOURCE: 2013 SB FULL YEAR MIS 03_15_14 mrArea is Los Angeles Selected by Town 2013 mr

Originated Loans

City of Los AngelesResponsible Banking Investment Monitoring Program For Commercial BanksHome Mortgages and Home Equity Loans

1957.1 4 181957.2 4 401958.02 5 401958.03 2 21958.04 13 791959.01 2 731959.02 2 171959.03 4 151972 5 551973 4 121974.1 12 1641974.2 2 171975 10 641976 3 61977 2 241990 11 721991.1 3 151991.2 1 41992.01 5 111992.02 4 231993 3 181994 4 111997 9 301998 4 51999 3 142011.1 1 42011.2 3 182012 5 332013.01 3 92013.02 7 322014.01 6 252014.02 3 202015.01 4 222015.03 2 22015.04 3 212016.01 4 92016.02 7 492017 7 15

4 of 17

Action TakenCensusTract Number of Loans Value of Loans ( in thousands)

SOURCE: 2013 SB FULL YEAR MIS 03_15_14 mrArea is Los Angeles Selected by Town 2013 mr

Originated Loans

City of Los AngelesResponsible Banking Investment Monitoring Program For Commercial BanksHome Mortgages and Home Equity Loans

2031 2 112032 3 152033 1 252035 4 92036 3 292037.1 1 12037.2 4 182038 3 152041.1 2 52041.2 1 12042 2 292043 3 82044.2 4 82046 6 482047 6 182048.1 1 32048.2 1 102049.1 1 52049.2 5 242051.1 2 192051.2 3 42060.1 6 302060.2 4 72060.31 40 3472060.32 11 362060.5 6 2002062 17 1412063 1 72071.01 1 22071.02 12 1492071.03 9 912073.01 64 4542073.02 7 492074 1 252075.01 7 312075.02 4 582077.1 48 4442079 50 535

5 of 17

Action TakenCensusTract Number of Loans Value of Loans ( in thousands)

SOURCE: 2013 SB FULL YEAR MIS 03_15_14 mrArea is Los Angeles Selected by Town 2013 mr

Originated Loans

City of Los AngelesResponsible Banking Investment Monitoring Program For Commercial BanksHome Mortgages and Home Equity Loans

2080 6 492083.02 6 332084.01 1 202084.02 5 512085.01 4 92086.1 9 782086.2 1 102087.1 3 232087.2 5 172088.01 3 132088.02 5 592089.04 2 112091.02 6 152091.04 2 92092 14 1102093 2 162094.02 1 12094.03 4 122095.1 2 92095.2 5 302098.1 1 122098.2 1 22100.1 4 282110 26 4252111.2 13 342111.21 2 92111.22 3 252112.02 1 32114.1 5 132114.2 3 112115 13 642117.01 21 1442117.03 6 272117.04 2 72118.02 11 1032118.03 5 362118.04 4 522119.21 2 9

6 of 17

Action TakenCensusTract Number of Loans Value of Loans ( in thousands)

SOURCE: 2013 SB FULL YEAR MIS 03_15_14 mrArea is Los Angeles Selected by Town 2013 mr

Originated Loans

City of Los AngelesResponsible Banking Investment Monitoring Program For Commercial BanksHome Mortgages and Home Equity Loans

2119.22 3 62121.01 8 212121.02 2 62122.02 4 92122.03 1 152122.04 7 292123.03 8 722123.04 6 542123.05 1 132123.06 2 82124.1 13 712124.2 1 12125.01 1 12125.02 9 1602126.1 3 212126.2 7 362127.01 3 112127.02 8 552128 7 352129 1 42131 8 232132.01 5 302132.02 3 292133.1 2 52133.2 3 52134.01 4 62134.02 5 302140 35 4282141 16 1132144 3 382145.01 8 492145.02 5 402145.03 2 62146 12 942147 18 1892148 13 1362149.01 12 1212149.02 11 85

7 of 17

Action TakenCensusTract Number of Loans Value of Loans ( in thousands)

SOURCE: 2013 SB FULL YEAR MIS 03_15_14 mrArea is Los Angeles Selected by Town 2013 mr

Originated Loans

City of Los AngelesResponsible Banking Investment Monitoring Program For Commercial BanksHome Mortgages and Home Equity Loans

2151.01 9 832151.02 5 312161 4 222162 12 592163 41 3792164.01 7 572164.02 7 282167 17 1152168 12 1032169 9 822170.01 15 1132170.02 14 772171 5 132172 4 322181.1 5 172181.2 4 192182.1 3 32183 10 522184 5 632185 2 92186 2 42187.01 3 92187.02 2 42188 5 342189 2 22190.1 2 42190.2 8 222193 2 172195 2 62197 7 1372198 5 392199.01 5 262199.02 9 272200 10 992201 8 272211.1 3 132211.2 9 382212.1 3 4

8 of 17

Action TakenCensusTract Number of Loans Value of Loans ( in thousands)

SOURCE: 2013 SB FULL YEAR MIS 03_15_14 mrArea is Los Angeles Selected by Town 2013 mr

Originated Loans

City of Los AngelesResponsible Banking Investment Monitoring Program For Commercial BanksHome Mortgages and Home Equity Loans

2212.2 6 202213.02 5 702213.03 1 152213.04 2 72214.01 3 302214.02 8 452215 1 122216.01 1 12216.02 3 32217.1 3 272218.1 4 252220.01 4 302220.02 1 12221 3 182222 3 32225 2 82226 5 202240.1 5 222240.2 14 662242 2 42243.1 1 12243.2 1 22244.1 2 22244.2 2 62246 9 402247 1 32260.01 9 252260.02 47 6282264.1 2 112264.2 1 92267 9 252270.1 3 42270.2 2 52281 3 92282.1 3 42282.2 1 42283.1 1 82283.2 1 1

9 of 17

Action TakenCensusTract Number of Loans Value of Loans ( in thousands)

SOURCE: 2013 SB FULL YEAR MIS 03_15_14 mrArea is Los Angeles Selected by Town 2013 mr

Originated Loans

City of Los AngelesResponsible Banking Investment Monitoring Program For Commercial BanksHome Mortgages and Home Equity Loans

2284.1 5 452284.2 3 82285 3 62286 1 12287.1 2 52287.2 1 122288 4 182289 4 152291 3 122292 4 252293 1 32294.1 2 122294.2 3 92311 9 502312.1 2 52313 3 162314 5 212315 5 172316 1 12317.2 4 622318 1 82319 3 72321.2 3 112322 1 32323 2 142324 4 62325 9 122326 2 92327 2 22328 2 22340 9 472342 2 52343 7 302345.01 2 82345.02 2 72346 4 162347 5 92348 1 2

10 of 17

Action TakenCensusTract Number of Loans Value of Loans ( in thousands)

SOURCE: 2013 SB FULL YEAR MIS 03_15_14 mrArea is Los Angeles Selected by Town 2013 mr

Originated Loans

City of Los AngelesResponsible Banking Investment Monitoring Program For Commercial BanksHome Mortgages and Home Equity Loans

2349.01 1 22351 3 42352.01 1 12352.02 2 22360 8 1092361 5 302362.02 1 22364 4 72371.01 5 172371.02 4 182372.01 1 22372.02 6 162373 3 42374.02 4 202375 1 12376 1 82377.1 4 152377.2 3 142378 5 172380 5 242381 1 122382 8 372383.1 1 102383.2 2 22384 3 92392.01 3 72392.02 9 392393.3 4 72395.02 2 82397.01 5 182397.02 3 62398.02 3 122400.1 1 22400.2 2 142402 2 72403 4 42404.01 2 62404.02 2 19

11 of 17

Action TakenCensusTract Number of Loans Value of Loans ( in thousands)

SOURCE: 2013 SB FULL YEAR MIS 03_15_14 mrArea is Los Angeles Selected by Town 2013 mr

Originated Loans

City of Los AngelesResponsible Banking Investment Monitoring Program For Commercial BanksHome Mortgages and Home Equity Loans

2405 1 92406 2 142407 1 12408 4 82409 2 52410.01 2 162410.02 3 172411.1 3 72412.02 2 22413 2 62414 3 262420 1 12422 3 162423 2 132426 1 22427 5 192430 6 212431 1 42611.01 13 1352611.02 11 1402612 18 1642621 6 292622 14 1912623.01 4 352623.02 8 872623.03 11 742624 10 1282625.01 18 3522626.01 7 1182626.04 22 3152627.04 14 1822627.06 13 1302628.02 13 2652640 6 492641.02 14 802641.03 16 3702643.01 12 3082643.02 26 205

12 of 17

Action TakenCensusTract Number of Loans Value of Loans ( in thousands)

SOURCE: 2013 SB FULL YEAR MIS 03_15_14 mrArea is Los Angeles Selected by Town 2013 mr

Originated Loans

City of Los AngelesResponsible Banking Investment Monitoring Program For Commercial BanksHome Mortgages and Home Equity Loans

2651 5 172652.01 9 652652.02 16 1912653.01 2 402653.03 2 132653.05 4 6162654.1 2 212654.2 3 192655.1 24 2742655.2 9 1032656.01 6 232656.02 12 792657 9 622671 16 1452672 21 2392673 3 152674.02 15 1522674.03 7 412674.04 4 262675.01 9 242675.02 7 462676 17 2682677 17 1262678 14 1142679.01 54 5772679.02 14 652690 22 1982691 18 5612693 11 1162695 7 592696.01 1 32696.02 3 162697 5 132698 3 132699.03 6 942699.04 5 162699.05 5 342699.06 2 28

13 of 17

Action TakenCensusTract Number of Loans Value of Loans ( in thousands)

SOURCE: 2013 SB FULL YEAR MIS 03_15_14 mrArea is Los Angeles Selected by Town 2013 mr

Originated Loans

City of Los AngelesResponsible Banking Investment Monitoring Program For Commercial BanksHome Mortgages and Home Equity Loans

2699.07 5 182701 8 722702 11 522703 6 412711 3 72712 4 282713 5 272714 8 632715 4 272716 4 232717.01 13 1262717.02 10 692718.01 4 202718.02 11 672719.01 7 612719.02 3 72721 7 222722.01 3 892722.02 4 102723.01 4 272723.02 7 322731 5 382732 2 62733 8 642734.02 8 602735.02 12 1002736 3 222737 3 262738 12 1242739.02 21 1742741 18 2512742.02 17 1682751.01 5 182751.02 3 412752 4 312753.02 27 2742753.11 7 672754 22 153

14 of 17

Action TakenCensusTract Number of Loans Value of Loans ( in thousands)

SOURCE: 2013 SB FULL YEAR MIS 03_15_14 mrArea is Los Angeles Selected by Town 2013 mr

Originated Loans

City of Los AngelesResponsible Banking Investment Monitoring Program For Commercial BanksHome Mortgages and Home Equity Loans

2755 1 202756.02 11 1542756.03 5 82760 7 2642761 16 1092764 10 1122765 5 282766.01 12 1172766.03 2 42766.04 6 962770 6 382771 11 742772 6 702774 1 102780.01 16 772781.02 4 92911.2 3 82911.3 8 512912.1 3 252912.2 4 92913 10 652920 15 5532932.01 7 372932.02 6 382933.01 1 42933.02 5 262933.04 6 92933.06 3 52933.07 4 122941.1 3 122941.2 8 232942 8 712943.01 4 272943.02 2 172944.1 7 222944.21 11 202945.1 6 492945.2 3 5

15 of 17

Action TakenCensusTract Number of Loans Value of Loans ( in thousands)

SOURCE: 2013 SB FULL YEAR MIS 03_15_14 mrArea is Los Angeles Selected by Town 2013 mr

Originated Loans

City of Los AngelesResponsible Banking Investment Monitoring Program For Commercial BanksHome Mortgages and Home Equity Loans

2946.1 6 332946.2 7 322947.01 8 292948.1 2 152948.2 4 142948.3 4 172949 3 152951.03 9 1262962.1 2 142962.2 5 92963 9 432964.01 3 32964.02 1 42965 1 22966 9 522969.01 4 192969.02 2 132970 8 672971.1 9 322971.2 4 432972.01 5 222972.02 2 212973 1 52974 7 662975 2 362976.01 1 52976.02 1 16099 4 427001.01 15 1007001.02 29 2987002 15 1507003 23 2797004 20 2527005.01 23 2467005.02 21 1977006 10 477007 22 1717008.01 66 615

16 of 17

Action TakenCensusTract Number of Loans Value of Loans ( in thousands)

SOURCE: 2013 SB FULL YEAR MIS 03_15_14 mrArea is Los Angeles Selected by Town 2013 mr

Originated Loans

City of Los AngelesResponsible Banking Investment Monitoring Program For Commercial BanksHome Mortgages and Home Equity Loans

7008.02 27 2247009.01 40 1,1237009.02 33 4227010 41 3257011 2 197024 25 1967025.01 10 937025.02 13 787026 16 957027 14 987028.01 6 507028.02 6 397028.03 19 1607029.01 30 2697030.01 22 847030.02 12 647031 5 237032 7 169800.14 4 119800.28 19 3079800.31 6 111Subtotal 4,456 38,039

17 of 17

To learn more visit www.citifoundation.com

College Success

A college degree is critical to breaking inter-generational cycles of poverty, increasing earning power and contributing to the economy. Eighty percent of today’s fastest growing careers in the U.S. require a postsecondary degree1 and college degree holders can expect to earn 84% more than their counterparts with only a high school diploma.2 Unemployment rates are also lower for college graduates, which increases financial stability and security.3 The college graduation rate in the U.S. has not kept pace with that of other industrialized nations, and the United States is facing an alarming education deficit that threatens our global competitiveness.4 President Obama has framed this issue as essential to our economic future and set a goal to ensure that at least 55% of young Americans earn a degree by 2025.

Unfortunately, family income is a strong determinant of an individual’s likelihood to enroll in and graduate from college. In the United States, fewer than 10% of students from low-income families graduate from college by their mid-20s. That is over 40% lower than the graduation rate of students from families in the highest income quartile. Without effective interventions to improve the college attainment rates of low-income students, they will be left further behind, perpetuating cycles of poverty and growing income inequality in an increasingly competitive job market.

Scholarship and academic preparation alone are not enough to support low-income students in this undertaking. In order to increase the number of students who successfully earn a degree, they need the support to not only get into college but also to persist, pay for and complete their degrees. To complement this holistic effort, research is needed to enable educators to identify the issues that prevent students from pursuing college and to develop interventions to address these barriers.

Our Strategy

Our strategy supports programs that help families eliminate the financial barriers to college access and completion in order to move up the economic ladder. These programs facilitate early financial planning to fund college and build college aspirations; link academic preparation to career planning; provide financial coaching to help students adopt positive financial behaviors that enable them to persist to college completion and minimize debt; and assist low-income students through the search, application and financial aid processes. Further, we seek to support research efforts that lead to viable solutions that will increase the college graduation rate in the United States.

In 2013, the Citi Foundation invested $8 million in support of programs that generate a dramatic and sustainable increase in the number of low-income, academically qualified students who enroll in and complete postsecondary education.

We seek to increase the

number of low-income,

academically qualified

students who enroll in and

complete postsecondary

education

1Hecker, Daniel E. “Occupational employment projections to 2012 (Monthly Labor Review)”. Washington, DC: U.S. Department of Labor, Bureau of Labor Statistics, November 2005.

2James, Jonathan. “The College Wage Premium,” Federal Reserve Bank of Cleveland. 2012.08.08. http://clevelandfed.org/research/commentary/2012/2012-10.cfm

3Lee, Donghoon. “Household Debt and Credit: Student Debt,” Federal Reserve Bank of New York, February 23, 2013. (presentation) http://www.newyorkfed.org/newsevents/mediaadvisory/2013/Lee022813.pdf

4College Board, Advocacy and Public Policy Center in collaboration with the National Conference of State Legislators. “The College Completion Agenda: State Capitals Campaign 2011.” Retrieved from Completionagenda.collegeboard.org

To learn more visit www.citifoundation.com

College Success

Examples of Our Leadership

KIPP College Accounts Program The KIPP College Accounts Program (KCA) is rooted around recent findings from the Center for Social Development at Washington University in St. Louis that have shown that students with savings accounts are four times more likely to attend college than those without, and students with accounts in their own name are six times more likely to attend and persist through college than their peers without savings. Funded by the Citi Foundation, this multi-layered partnership between KIPP Academies, UNCF, Citi Community Development and Citi Microfinance, offers a comprehensive suite of support services to students from the sixth grade through college graduation--focused specifically on addressing financial barriers to college completion. At the core of the program are college savings accounts, which are offered to participating students to help finance postsecondary education expenses. By providing students and their families with an accessible savings account, seeded with an initial deposit, and with the potential for matching funds, the program is demonstrating that this concept can reach greater scale and serve as a model for significantly transforming college readiness and success among low-income families.

Financial Aid U Financial Aid U (FAU) empowers low-income students and their families with the necessary tools and information to access financial aid resources to enroll in, persist, and graduate from college. Completion of the Free Application for Federal Student Aid (FAFSA) is recognized as a major barrier for many low-income students and their families as they struggle to understand how to finance their college education. Although financial aid is available, lack of awareness and the complicated financial questions on the FAFSA prevent many students from even enrolling in college. Led by the Center for Economic Progress and its National Community Tax Coalition (NCTC), FAU assists families in completing their tax returns and the highly correlated FAFSA to unlock access to millions of dollars of federal and state grant and loans. Students also receive follow-up services on topics related to college financing, including school billing cycles, understanding the components of financial aid, cost comparisons, and personal budgeting. Through direct service, as well as federal policy and systems change efforts, FAU seeks to boost college completion rates for low-income students to improve their economic circumstances and help them participate in the financial mainstream. Together, the Citi Foundation and NCTC has helped put more than 8,000 students on the path to earning a college degree since the program launched in 2008. In 2013, Citi and NCTC were recognized with the Best Partnership Award by the U.S. Chamber Foundation’s Business Civic Leadership Center for their work with FAU.

Citi Supplier Diversity US Overview 2013

Citi’s corporate philosophy is that Supplier Diversity is an integral part of its corporate social responsibility and sustainability and therefore high on its agenda. Citi launched our U.S. Supplier Diversity program over 35 years ago on the principles that it is important to work with a wide range of diverse suppliers and consultants in the communities we serve.

Since then we have engaged with diverse businesses in accounting, equity markets, legal, and technology sectors. Citi tracks both Tier I and Tier II spend. The Tier II program is designed to encourage our Prime Suppliers to subcontract with small and diverse businesses as well as develop a supplier diversity program of their own. Spending with diverse suppliers is tracked and reported on a quarterly basis. In 2013, Citi spent over $10 billion for goods and services in the United States. Our supplier diversity expenditures totaled over $750 million with direct and indirect diverse suppliers in 2013, compared with over $625 million in 2012—an increase of 21% over last year. In 2013, Citi Supplier Diversity made significant progress in driving internal efforts to more effectively leverage diverse suppliers. Citi Procurement Services senior leadership took several strong actions, including implementing a sourcing goal to increase diverse spend by 10% year over year. The CPS senior management steering committee continued to ensure focus on diverse supplier utilization for both Tier I and Tier II opportunities. Additional actions in 2013 included:

Developed robust diversity champion teams across both Non-Technology and Technology sourcing, with individuals tasked at the category level to track performance, identify opportunities and provide reporting on program progress.

Implemented Tiering initiative through our MSP, which created increased opportunity for Approved Diverse Suppliers in our Workforce/IT Professional services space, realizing a significant increase in Tier 1 diverse spend.

Increased focus on collaborating with sourcing teams to drive supplier diversity consideration during strategic planning and pipeline discussions.

Integrated Supplier Diversity and Sustainability focus as part of Procurement new hire training with specific attention to development of understanding and capabilities in global Procurement Service Centers.

Continued to leverage industry-wide Supplier Connection initiative to drive focus across categories towards US Small Business Spend as it relates to unemployment and economic recovery.

Citi Supplier Diversity also continued on-going outreach efforts including:

Participated in annual meeting with The Greenlining Institute, a public policy, research, and advocacy nonprofit organization which works to empower diverse communities and other disadvantaged groups.

Hosted its sixth annual “Doing Business with Citi” forum, which puts eligible Minority-, Women-, and Veteran-owned Business and Small Businesses from Supplier Connection in the room with Citi Sourcing Professionals, providing invaluable insight and access to decision makers.

In partnership with the National Minority Supplier Development Council (NMSDC), Citi continued its participation in the Center of Excellence program which launched in 2012. This small group of corporations has committed to implementing the NMSDC’s minority business development best practices, and developing relationships with selected minority-owned businesses over the period of the program.

Hosted its ninth annual Supplier Diversity/Capital Markets Origination Broker Dealer Breakfast in New York, where over 80 broker dealers from diverse firms were represented.The breakfast includes a briefing on Citi’s view of the markets and direction for the upcoming year.

Citi Supplier Diversity continued its partnership with the NYC Small Business Services Corporate Alliance Program. The program brings together large corporations and minority and women owned firms with a focus on corporate skills training and mentoring.

Participated in the annual “Supply Chain Sustainability Summit” hosted by the New York/New Jersey Minority Supplier Development Council (NY/NJ MSDC).

In 2013, Supplier Diversity continued to meet and partner with our California Community Development team, Global Diversity, Global Community Development and Public Affairs to address the concerns of various advocacy groups. Citi’s Supplier Diversity team continues to support and partner with leading national and regional diverse business development organizations, including the National Minority Supplier Development Council (NMSDC), Women’s Business Enterprise National Council (WBENC), National Minority Business Council and local chambers of commerce. Citi actively participated in the Financial Services Roundtable—Supplier Diversity, a banking and insurance networking industry group dedicated to the growth and development of diverse businesses. At Citi we recognize the value of a diverse supply chain and are committed to driving supplier diversity as part of the way we do business by focusing our efforts on supplier development, training, outreach, and sourcing. We believe continued focus on supplier diversity as part of a sustainable supply chain will only make our businesses, our customers, and the communities we serve stronger.

A Final Note

For additional information about the Citi Supplier Diversity Program please visit: http://www.citigroup.com/citi/corporate/supplier_diversity/index.htm Read our 2013 Citizenship Report here: http://www.citigroup.com/citi/about/global_citizenship.html or contact us at: SupplierDiversityUS@citi.com

FOR IMMEDIATE RELEASE Citigroup (NYSE: C) March 31, 2014

The Citi Foundation Launches Pathways to Progress to Improve Career Readiness for 100,000 Youth

$50 Million Initiative Represents Largest Single Commitment in

Citi Foundation’s 20-Year History

Focus on Helping 100,000 Youth in 10 Cities with Civic Engagement, Summer Jobs, and Entrepreneurship Training

Mayors Across the Country Applaud Effort to Jump-Start

Career Readiness of the Next Generation New York – The Citi Foundation today announced Pathways to Progress, a three-year $50 million initiative to unlock economic opportunity for 100,000 low-income youth in 10 cities across the United States. Pathways to Progress is the largest single commitment ever made by the Citi Foundation, and through the initiative, the Citi Foundation will work with community partners, government officials, and Citi volunteers to help young people ages 16-24 develop the workplace skills and leadership experience they will need to secure jobs and begin developing career paths. The Citi Foundation funded and developed Pathways to Progress over the last year, working with input from leading nonprofit partners. The program is focused on fostering career readiness through civic engagement, summer employment, and entrepreneurship training. “If we want a strong labor force for generations to come, we need to make sure our country’s youth are prepared to meet the evolving needs of employers,” said Citi CEO Michael Corbat. “Through Pathways to Progress, we will connect young people with opportunities to fuel their own career ambitions and develop the skills that are needed in a 21st century economy. The professional success and civic engagement of our young men and women are critical to our economic competitiveness, and we are proud to support them.” As job-creation efforts struggle to gain traction, Americans ages 16-24 who should be at the beginning of their working lives are facing a persistent 15% national unemployment rate – higher than many other groups – according to various sources. The economic slowdown and the decline of both manufacturing and family-run businesses all contribute to an inability of our nation’s youth to access entry-level jobs. For our country and its largest cities, the ripples of youth joblessness impact household and community stability and exacerbate the macroeconomic effects of broader unemployment. Pathways to Progress will focus on 10 of the largest U.S. cities where Citi has a presence: Boston, Chicago, Dallas, Los Angeles, Miami, New York City, Newark, St. Louis, San Francisco, and Washington, DC. The initiative is launching with three

elements developed in tandem with leading community partners who will identify and recruit low-income young adults with demonstrated potential for success. Additional programs will be developed during the course of the three-year campaign.

ServiceWorks: The Citi Foundation and Points of Light, the world’s leading volunteer organization, will work with the Corporation for National & Community Service to launch the nation’s largest corporate-sponsored AmeriCorps program in 10 cities nationwide. The program – which will deploy 225 AmeriCorps VISTA members – will build a large-scale volunteer response to the crisis of low college and career attainment and use volunteer service as a strategy to help youth and young adults develop the critical leadership and workplace skills they need to prepare for college and careers.

Summer Jobs Connect: The Citi Foundation and the Cities for Financial Empowerment Fund will work with municipal governments in five of the partner cities to connect youth with meaningful summer job opportunities, along with financial education and access to financial products, to create a platform for future economic success. The effort will also link city agencies and community partners to share effective strategies for leveraging resources and mitigating costs associated with youth unemployment.

Make Your Job: The Citi Foundation and the Network for Teaching Entrepreneurship will establish youth entrepreneurship camps in 10 cities that empower participants to “make their own job” through self-employment and the development of an entrepreneurial mindset critical to succeeding in a modern workforce. Immersive training will seek to nurture the instinct to innovate and promote the growth of business and technical skills.

Pathways to Progress aims to develop opportunities for low-income urban youth to set education and career goals and develop visions and blueprints for their professional future. The new initiative will be bolstered by the active involvement of Citi volunteers and mentors, and will complement the Citi Foundation’s longtime focus on enabling college success for low-income students. The initiative will also bring together urban policymakers, private sector stakeholders, and community leaders to learn from these programs and scale cross-sector approaches to tackling chronic youth joblessness. “From the boardrooms of corporate America to the hallowed halls of Congress, preparing our youngest citizens for college and career is a responsibility we all share,” said U.S. Department of Education Secretary Arne Duncan. “I applaud the Citi Foundation and its partners for putting the needs of our children first and coming together on Pathways to Progress. The innovative partnership among these organizations will help our nation’s young people succeed inside and outside the classroom while strengthening and building a thriving middle class.”

“I would like to commend the Citi Foundation on this important initiative,” said U.S. Senator and former Newark Mayor Cory Booker. “Our economy is recovering, but for young Americans especially, that recovery has been uneven, and chronic joblessness persists. There is simply no better investment we can make today to ensure sustained economic growth in the future than empowering our young people with the skills, confidence and access they need to choose a career where they can create better lives for themselves and their communities.” “We need to use every tool possible to ensure we set all our city's students up for success,” said New York City Mayor Bill de Blasio. “I applaud the Citi Foundation’s investment in our youth. Initiatives like Pathways to Progress help to provide our low-income students an opportunity to acquire the job readiness skills needed to get their professional lives started on the right foot.” “Through this initiative, Citi recognizes that the future economic strength and vibrancy of our city lies in the hands of our young adults,” said Chicago Mayor Rahm Emanuel. “The Citi Foundation’s Pathways to Progress initiative is another investment in the promise to Chicago’s young people that hard work done today is an investment in a future where opportunity and personal success are well within reach.” “On behalf of the City of Los Angeles, I’d like to thank the Citi Foundation for partnering with our Hire L.A. Youth Summer Jobs program,” said Los Angeles Mayor Eric Garcetti. “Hire L.A. Youth Summer Jobs will give 10,000 young Angelenos the skills they need to earn future success and ensure that Los Angeles has a competitive workforce for our economy.” “With this initiative, the Citi Foundation is demonstrating that the path to a meaningful professional life often begins at a young age, with experiences that reward dedication and hard work with opportunities to learn and succeed,” said Miami-Dade County Mayor Carlos A. Gimenez. “We have a collective responsibility to ensure that our city's young adults are given the opportunity to prepare themselves for the workforce of the future, and the Pathways to Progress program is an excellent model to make this a reality.” “I commend the Citi Foundation for taking this important step to support our young residents,” said District of Columbia Mayor Vincent C. Gray. “Through successful initiatives like the District’s Summer Youth Employment Program, we’re working together to tackle joblessness and ensure that students and young adults are prepared to enter the workforce. Working with community partners like Citi, we are empowering the next generation to stand on their own, support their neighborhoods and ultimately, grow the District’s economy.” “Through my Summer Jobs+ program, we partnered with our private sector to provide opportunities and experiences for San Francisco’s young people so that they can compete and win in the 21st century economy,” said San Francisco Mayor Ed Lee. “While we connected more than 6,800 youths to jobs and internships last summer,

even more needs to be done. That’s why I thank the Citi Foundation for collaborating with its community partners to help young men and women find a path to professional achievement and personal success.” “Ensuring our young people have the confidence and skills necessary to succeed in this 21st century global economy is one of the best investments we can make,” Dallas Mayor Mike Rawlings said. “I welcome Citi’s leadership in an initiative that leverages its own resources, people and the expertise of its community partners to improve the long-term employability of Dallas’ youth.” “Meaningful opportunities, like the ones offered through the Citi Foundation’s Pathways to Progress, are an immediate response to the need to provide youth with constructive ways to increase academic success, develop workplace skills, and spend their time in ways that reduce negative behaviors,” said St. Louis Mayor Francis Slay. “Boston is proud to work with the Citi Foundation to connect our next generation with opportunities and knowledge to help our youth formulate a blueprint for their own professional success,” said Boston Mayor Martin J. Walsh. “Investments made today will create a skilled, confident, and motivated workforce for tomorrow that will continue propelling Boston’s local economy in the future.” “With this initiative, the Citi Foundation and mayors around the country recognize that strengthening the career-readiness of young workers in a community may not only contribute to their own improved outcomes, but can help drive a region's economic growth through productivity gains, rising incomes and business attraction and retention,” said Sarah Rosen Wartell, President of the Urban Institute. With a focus on 10 of the country’s largest cities, Pathways to Progress reinforces Citi’s commitment to deploy its resources, expertise and unmatched global presence to improve the ability of cities to modernize, operate efficiently, deliver high-quality public services, and expand economic opportunity. For more information about Citi’s work enabling progress in urban centers around the world, visit www.citiforcities.com.

# # # About Citi Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management. Additional information may be found at www.citigroup.com | Twitter: @Citi | YouTube: www.youtube.com/citi | Blog: http://blog.citigroup.com | Facebook: www.facebook.com/citi | LinkedIn: www.linkedin.com/company/citi About the Citi Foundation The Citi Foundation works to promote economic progress in communities around the world and focuses on initiatives that expand financial inclusion. We collaborate with best-in-class partners to create

measurable economic improvements that strengthen low-income families and communities. Through a “More than Philanthropy” approach, Citi’s business resources and human capital enhance our philanthropic investments and impact. For more information, visit www.citifoundation.com. Media Contacts: David Roskin, 212-559-4767 or david.roskin@citi.com Kamran Mumtaz, 212-793-7682 or kamran.mumtaz@citi.com