South Suburban Citizen 8-5-2020

Y O U R S O U R C E F O R C O R O N AV I R U S N E W S

Citizen The Citizen: Serving The Black Community For 55 Years Week of Aug. 5, 2020

| Vol. 39 | No. 37 | www.citizennewspapergroup.com

SOUTH SUBURBAN

State employment agency hit in nationwide fraud scheme Page 2

Lung Association to donate masks to underserved populations through COVID-19 Action Initiative Page 3

Remote Work to Drive Home Purchase Decisions in the Next Six Months Page 4

Congresswoman Robin Kelly during an event in February where she met with older constituents. Kelly has introduced H.R. 7699, Protecting Seniors from Emergency Scams Act, bipartisan legislation that directs the Federal Trade Commission to report the number and types of scams targeting seniors during the pandemic to Congress. Photo courtesy of Congresswoman Robin Kelly

KELLY INTRODUCES BIPARTISAN LEGISLATION FOCUSED ON PROTECTING SENIORS

Congresswoman Robin Kelly has introduced a bill, H.R. 7699, Protecting Seniors from Emergency Scams Act. The bipartisan legislation directs The Federal Trade Commission to report the number and types of scams targeting seniors during the COVID-19 pandemic to Congress. PAGE 2

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2 | CITIZEN | South Suburban | Week of Aug. 5, 2020

NEWS briefly EDUCATION ESA FOUNDATION OPENS DOORS FOR WOMEN, MINORITIES AND LGBTQI+ STUDENTS Driven by its steadfast commitment to diversifying the video game industry, the Entertainment Software Association (ESA) Foundation recently announced scholarship awards to women, minority and LGBTQI+ college students earning a computer science or video game arts and science-related degree. Scholars receive financial and non-monetary support, including access to influential industry figures and mentors.

The ESA Foundation established its scholarship fund in 2007 to empower and equip future video game creators who aspire to help shape a more diverse and inclusive world by developing games with richer narratives that give a voice to often muted or overlooked communities. While more than 220,000 Americans work in the rapidly growing video game industry, game developers are mostly Caucasian (69%1), heterosexual (79%2) and male (71%3), according to 2019 data from the International Game Developers Association (IGDA). Seeking to challenge the status quo, the ESA Foundation established a scholarship program 13 years ago.

HEALTH

HEALTH & HYGIENE RANKED EIGHTH OUT OF 15 INDUSTRIES STUDIED The health & hygiene industry retained its 2019 spot and ranked eighth out of the 15 industries studied in MBLM’s Brand Intimacy 2020 Study, which is the largest study of brands based on emotions. MBLM (pronounced Emblem), the agency using emotional science to build more intimate brands during these unprecedented times, announced the health & hygiene findings of its annual study and also further examined how the pandemic is impacting brands in the industry. Additionally, the agency explored how leader Dove is communicating about important racial justice and social issues. Brand Intimacy is defined as the emotional science that measures the bonds we form with the brands we use and love, and has become more important as brands adjust the ways they connect with consumers today.

MBLM’s study, now in its 10th year, revealed that Dove ranked #1 in the health & hygiene industry followed by Olay and Head & Shoulders. The remaining brands in the top 10 for the industry were Ivory, Colgate, Scope, Pantene, Crest, Nivea and Listerine. Additionally, top intimate brands in the U.S. continued to significantly outperform the top brands in the Fortune 500 and S&P indices in both revenue and profit over the past 10 years, according to the study.

To view the health & hygiene industry findings, visit https:// mblm.com/lab

LAW & POLITICS

CONGRESSWOMAN KELLY INTRODUCES STATE ATTORNEYS GENERAL EMPOWERMENT ACT Congresswoman Robin Kelly has introduced the State Attorneys General Empowerment Act (H.R. 7536), legislation to expand the power of state Attorneys General to investigate and resolve unconstitutional patterns and practices by law enforcement agencies within their states.

“Unconstitutional patterns and practices by law enforcement unfairly strip citizens of their rights and erode police-community trust, a critical element to ensuring public safety,” said Congresswoman Robin Kelly. “Tragically, this Administration, particularly under AGs Sessions and Barr, has turned a blind eye to significant abuses by police departments. By refusing to do their jobs, they have hurt our communities and left unconstitutional, unfair and unjust practices unchecked. This is wrong! If the federal government, under President Trump or any President, refuses to step up, our state Attorneys General, the top elected law official in each state, should be empowered to conduct their own critical investigations and take necessary steps to correct these practices,” Kelly said.

Kelly introduces bipartisan legislation focused on protecting seniors Continued from page 1

BY TIA CAROL JONES

Congresswoman Robin Kelly has introduced a bill, H.R. 7699, Protecting Seniors from Emergency Scams Act. The bipartisan legislation directs The Federal Trade Commission to report the number and types of scams targeting seniors during the COVID-19 pandemic to Congress.

The bill, which is endorsed by AARP, Elder Justice Coalition, American Society on Aging and National Adult Protective Services Association, requires recommendations from the Federal Trade Commission on how to prevent scams targeting seniors during the pandemic, with a look toward future emergencies.

It also directs the Federal Trade Commission to update its web portal, with information on scams targeting seniors.

“Our senior citizens have borne the brunt of this pandemic. Now, scammers and rip-off artists are targeting older Americans and preying on their fears related to COVID-19,” Kelly said. “We have a moral obligation to stop these con artists by empowering seniors with

facts and information while aggressively targeting criminals with all available Federal Trade Commission resources.”

Kelly said it seems like when different events, pandemics happen, con artists come out and prey on seniors. She said Congress needed to give the Federal Trade Commission the tools to fight the scammers. She said there is a concern for the senior population. “I don’t know if it’s a nice person who calls on the phone. These people are charming.

These seniors could be lonely,” she said.

“Obviously, they’re lied to, also.”

Kelly said oftentimes, the scams have something to do with finances. “They lose money on the deal. They could get their social security number, or they could get their credit card, something along that line. They prey on them and it’s usually for financial gain,” she said.

Kelly said constituents are getting calls from scammers purporting to have the cure or a prescription drug that may prevent coronavirus. Other scam calls are related to the Internal Revenue Service and telling people they would need to give money to get money from the HEROES Act. Kelly said she is hopeful that this

bipartisan, bicameral bill will get passed.

Congressman Roger Marshall, M.D., R-Kansas, is a co-sponsor of the legislation. On the Senate side, Senator Amy Klobuchar, D-Minn., and Senator Jerry Moran, R-Kansas, have introduced companion bill S. 3824. Kelly said it shows the scams are happening all over to seniors in urban, suburban and rural areas.

“I hope we can get it passed because people have enough to worry about, with COVID, and themselves and their families and this shouldn’t be something they have to worry about and seniors should definitely not be preyed upon, it’s shameful,” she said.

Kelly has worked with Marshall on telecom legislation in the past. “It is despicable that people would exploit the fear and uncertainty surrounding the coronavirus pandemic to take advantage of vulnerable Americans,” Marshall said. “Ensuring that all Americans have access to timely information about current scams, as well as where to turn for help, is important as we work to crack down on these predatory crimes.

I am proud to introduce this bipartisan legislation to protect our senior citizens from fraud.”

State employment agency hit in nationwide fraud scheme

BY PETER HANCOCK Capitol News Illinois phancock@ capitolnewsillinois.com

Springfield – The Illinois Department of Employment Security recently said it has been affected by a nationwide fraud scheme involving the federal Pandemic Unemployment Assistance program.

That program, enacted as part of the federal CARES Act, provides 100 percent federally funded jobless benefits to independent contractors, gig workers and others who don’t normally qualify for the traditional unemployment insurance program.

In a recent statement, IDES said the program was designed hastily as the COVID-19 crisis was unfolding and that it did not include adequate safeguards to prevent abuse. That’s because the program is designed for people who don’t have an

employer.

In traditional unemployment, the agency said, an employer would be able to challenge a claim by reporting that a claimant was still employed or had not lost work through no fault of their own.

IDES spokeswoman Rebecca Cisco said in an interview that the scheme involves filing unemployment claims using false identities and then attempting to have the payment method switched from the debit cards that people receive when they qualify for benefits to a direct deposit.

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The agency said those behind the fraud probably obtained people’s personal information through an earlier cyber hack or data breach such as the Equifax data breach of 2017.

IDES did not say how many fraudulent claims it has detected or how much money is involved, but it did say it is cooperating with both local and federal law enforcement agencies to track down and prosecute the individuals behind the scheme.

Gov. JB Pritzker addressed the fraud scheme during a recent news conference in Chicago, saying the scheme

has affected nearly every state unemployment program in the nation.

“If you received a debit card in the mail, do not activate it,” Pritzker said. “It’s also highly recommended that you check your credit report for possible suspicious activity. Again, this is a problem being experienced all across the country right now because the national program was poorly designed and susceptible to fraud.”

People who believe a fraudulent claim has been filed in their name are urged to call IDES immediately at 1-800-814-0513. When prompted, select the English or Spanish language option, then select option 1 for claimants and option 5 to report identity theft.

Information about identifying and reporting identity theft is available on the Federal Trade Commission’s website, www.ftc.gov.

CITIZEN | South Suburban | Week of Aug. 5, 2020

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NEWS

Lung Association to donate masks to underserved populations through COVID-19 Action Initiative As COVID-19 cases continue to increase, states across the nation are issuing orders that require people to wear face masks in public to slow the spread.

To help save lives and protect public health, the American Lung Association has launched the “Buy 2, Give 2 Masks” campaign to provide quality face coverings to the public.

For every two masks purchased, the Lung Association will donate two masks to those in need.

Each mask is made in the United States of 100% soft, breathable twoply cotton, is reusable and washable.

Funds raised through the “Buy 2, Give 2 Masks” campaign will support the COVID-19 Action Initiative.

COVID-19 is primarily transmitted via respiratory spray. While social distancing is the most effective method of decreasing transmission, there are some instances when social distancing is not possible.

Many people who become infected can unknowingly spread the COVID-19 virus because they have few or no symptoms. According to the

available data, wearing a mask is a key measure to decreasing viral spread.

“Every mask donation will help support our efforts to stop COVID-19 in its tracks and take precautionary measures to protect public health from future respiratory virus pandemics,” said American Lung Association President and CEO Harold Wimmer.

The Lung Association will provide mask donations to communities of color due to the systemic inequities that cause COVID-19 to disproportionately affect racial and ethnic minorities. The Centers for Disease Control and Prevention (CDC) states that some groups experience systemic health and social inequities that put them at increased risk of getting COVID-19 and experiencing severe illness. Data shows that the death rate for African Americans is

PRNewsfoto/American Lung Association

more than double that of other racial groups.

According to the United Nations (U.N.), multiple factors are responsible, including economic inequality, increased reliance on public transport, overcrowded housing, environ-

mental risks and limited availability of healthcare.

The “Buy 2, Give 2” mask campaign will raise funds for the COVID-19 Action Initiative, the Lung Association’s efforts to combat COVID-19 and defend against future

respiratory viruses.

For more information about the COVID-19 Action Initiative and how to support the effort, visit Lung. org/cv19-action. For resources on protecting lung health during COVID-19, visit Lung.org/covid19.

Study Explores the Changing Diversity of Law Students Since the Great Recession

Enrollment in law school has declined by 25% over the past decade; there are now more women than men pursuing law.

Enrollment in law school has declined by 25% over the past decade; there are now more women than men pursuing law; and Asian Americans, once the fastest-growing group in law schools, have experienced the steepest decline in recent years.

These are among the findings of a recent American Bar Foundation (ABF)-sponsored study of law student demographics, titled Who’s Going to Law School? Trends in Law School Enrollment Since the Great Recession.

The study, authored by Miranda Li, Phillip Yao, and California Supreme Court Justice Goodwin Liu, provides a comprehensive analysis of recent U.S. law school enrollment trends since the economic downturn and financial crisis of the late 2000s. “The study provides a fresh and thorough empirical foundation for discussions of diversity in the legal profession,” said Justice Liu, “and it lays the groundwork for examining future trends in enrollment and diversity in the wake of the coronavirus pandemic.”

The study examines enrollment data by gender, race, ethnicity, and nationality from 1999 to 2019, and pays particular attention to Asian Americans, building on a 2017 report, A Portrait of Asian Americans in the Law(Portrait Project 1.0), also coauthored by Justice Liu.

The new study’s findings include the following: l Total enrollment in law school has declined by almost 25% since the recession. Despite a recent increase, enrollment seems unlikely to rebound to the pre-recession levels. l Women have outnumbered men in law school since 2016, and the recent uptick in total enrollment is entirely attributable to more women pursuing law. l Since the Great Recession, Asian Americans and Whites have comprised a smaller share of enrollment in law schools. Asian American enrollment in particular has declined more steeply than any other group since the Great Recession. After rising for four decades, the number of Asian American lawyers is projected to stagnate beginning in 2030. l African Americans and Hispanics have also comprised a larger share of enrollment since the Great Recession.

However, women, African American students, and Hispanic students are disproportionately enrolled in lower-ranked schools with lower rates of bar passage and post-graduation employment. As a result, it is unclear to what extent the changing diversity of law students will translate into greater diversity in the legal profession.

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l The number and percentage of multiracial students and international students in the J.D. program have grown. These trends have particular salience for Asians and Asian Americans, and they present increasingly serious challenges for collecting and reporting demographic data.

“The demographics of law students have changed significantly over the past decade, and understanding these changes is essential to building a more diverse and inclusive legal profession,” said Justice Liu. “We may see more big changes over the next decade, depending on the depth and duration of the economic slowdown due to the coronavirus pandemic.”

“As a part of the ABF’s Portrait Project 2.0 research program, this scholarship helps to shed critical light on the shifting general demographics of law students and Asian American enrollment trends in particular,” said Ajay K. Mehrotra, executive director of the American Bar Foundation. “Asian Americans are often an invisible minority in contemporary discourse on diversity, and this study provides a deeper exploration of the empirical reasons for the current challenges faced by the Asian American legal community.”

A full draft of the study is available at https://ssrn.com/abstract=3559213.

4 | CITIZEN | South Suburban | Week of Aug. 5, 2020

BUSINESS

50 Fastest-Growing Women-Owned and -Led Companies Honored The Women Presidents’ Organization (WPO), in collaboration with American Express, recently released the 13th annual ranking of the 50 FastestGrowing Women-Owned/Led Companies. The companies on this year’s 50 Fastest list span a range of industries, including healthcare, technology, and consulting. From January to December of 2019, the 50 Fastest generated a combined $3.8 billion in revenue and collectively employed more than 17,000 people.

The top three awardees are: TKT & Associates, Inc. is the fastest growing woman-owned business, moving up from the number two spot last year. Founded in 2006 by the late Tierra Kavanaugh, the Louisville-based company saw its revenue flourish ($134,763,762 in 2019) and employment more than double from 51 employees in 2017 to 260 in 2019. With Tierra’s passing this year, WPO and American Express wanted to honor her tenacity, determination, and tremendous success in becoming the fastest growing woman-owned business.

Enspire Energy, an energy marketing company based in Virginia is the second fastest growing women-owned business. Run by Mary Hensley and Julie Hashagen, the company credits its success to vast industry experience and knowledge as they continue to see tremendous business growth.

Lifestyle brand Modere, a newcomer to the list, is the third fastest-growing company in the 2020 rankings. Led by Asma Ishaq, the

business saw impressive revenue and hiring growth. Modere has made a lasting impact in the health and wellness space by creating unique opportunities for emerging product categories.

“The 50 Fastest Growing Women Owned/Led Companies are a trailblazing group of women who are leading some of the most successful businesses around the globe. At American Express, we are committed to supporting and

backing the growth of womenowned and -led companies and are delighted to recognize these leaders for their success,” said Jessica Ling, vice president and general manager, marketing strategy, content and experiences at American Express.

“Not only do women-owned businesses fuel the economy with trillions of dollars in revenue and the millions of jobs they provide, many have also pivoted their offerings and business strategies to provide

essential services and accommodate their employees, which has proven to be vital for navigating the pandemic.”

“At a time when bright spots are few and far between, we are thrilled to celebrate the business accomplishments of these 50 inimitable leaders,” said Camille Burns, CEO of the Women Presidents’ Organization. “American Express has made it possible to acknowledge the impressive influence women-owned and -led companies have in job creation and growing the global economy.”

All eligible companies were ranked according to a sales growth formula, combining percentage and absolute growth. To qualify for the ranking, businesses are required to be privately held, woman-owned or -led, and have reached annual revenues of at least $500,000 as of 2015 and every subsequent year. Applicants are not required to be WPO members.

The 50 Fastest companies were honored during the digital WPO Annual Conference, which was held on July 22- 23, 2020.

Remote Work to Drive Home Purchase Decisions in the Next Six Months Many families quickly adjusted their current living space to accommodate working from home, but those who expect the change to be permanent are likely to pull the trigger on a new home purchase in the next six months, according to a realtor.com® HarrisX survey of active home shoppers released recently.

Of the 2,000 home shoppers surveyed in June who plan to purchase a home in the next year, 63 percent of those currently working from home indicated their decision to buy a new house was a result of their ability to work remotely. Nearly 40 percent of those who said remote work was fueling their search, expected to purchase a home within four to six months, and 13 percent said changes related to COVID prompted their desire to purchase a new home.

Having a home office is very important for people who work remotely, but not at the exclusion of more conventional features. Over 20 percent of respondents who are buying because of remote work say that having a home office is important to them and a home office was the most chosen new home feature. Similar to overall home buyers, the five next most

popular features were a garage, a quiet location, an updated kitchen, a large backyard, and an open floor plan.

“The ability to work remotely is expanding home shoppers’ geographic options and driving their motivation to buy, even if it means a longer commute, at least in the short term,” said realtor.com® Senior Economist George Ratiu. “Although it’s too early to tell what long-term impact the COVID-era of remote work will have on housing, it’s clear that the pandemic is shaping how people live and work under the same roof.”

Today’s remote work snapshot According to the data, nearly 40 percent of currently employed respondents are currently working from home as a result of COVID. Thirty-five percent of respondents were remote employees before COVID happened and 28 percent are still going into their place of employment.

When given the choice of working remotely or in an office setting, 52 percent of remote workers indicated they prefer to work from home. Interestingly, 39 percent prefer to work

in an office setting and 9 percent said it makes no difference to them.

Accommodating remote work at home With entire families at home, finding a quiet place for work or school has been challenging for many. Fifty percent of respondents do the majority of their work in a home office. Fifteen percent work in their bedroom, 13 percent in the living room, 12 percent at the kitchen table and 7 percent move from room to room depending on where their family is.

In order to accommodate work from home, 45 percent of respondents converted a room in their home to an office. Thirty-six percent created a home office space and 28 percent updated their existing office space with a new monitor, chair, etc. Only 7 percent have not made any accommodations or already had a good office set up at home.

Majority of respondents anticipate some aspect of remote work in the future With many companies and schools pushing back return dates, especially as new COVID outbreaks continue to increase across certain

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regions of the country, 53 percent anticipated that they will be working in an office full-time.

Approximately one in five, 22 percent, of those surveyed expect a mix of in-office and remote work, while 14 percent responded they don’t anticipate ever returning to the office.

Flexibility also seemed an option among survey respondents, with 63 percent indicating that their employer will be open to remote work in some capacity. Of these respondents, 40 percent stated that their employer permitted a mix of office and remote work and 16 percent said their employer permitted remote work entirely. Only 37 percent indicated they are required to be in the office full time.

Of those stating that they will resume going into the office either full or part time, 40 percent anticipated it would be within the next three months, while 46 percent thought it would be within the next three to six months.

Thirteen percent thought they would return in 2021 and 2 percent said never.

For more information about realtor.com’s remote work survey, please visit: https://www. realtor.com/research/home-buying-2020remote-work-post-covid

CITIZEN | South Suburban | Week of Aug. 5, 2020

NEWS

Eight Quick Tips for Saving Money StatePoint - Saving money is a top priority for many Americans, but it becomes even more important during times of economic turmoil. Luckily, there are many simple steps you can take to eliminate wasteful spending in your daily life.

Here are eight easy strategies to start saving more money now: 1. Track your personal expenses in a notebook or spreadsheet for 30 days. Doing this is as easy as writing down what, where, when and how much you spend on every transaction. It is only after you know what you are spending your money on that you can wisely choose where to reduce or cut.

2. Ask for discounts and use coupons when shopping for essentials. When possible, select non-branded products, which are often found at a lower price than name brand goods. But be savvy and check for a trial price or return/refund guarantee.

3. Make major purchases using credit cards that offer product assurance guarantees and make filing disputes easy. If a product is defective or damaged, you may be able to get it repaired or replaced for free.

4. Check your bank and credit card statements or online account information for any automatic charges you are paying for services that you no longer use. A $5 charge per month for a service that you don’t need is equivalent to throwing away $60 every year.

5. Contact service providers to confirm there are no other contract options that offer lower month-

ly service charges. Many companies offer varying service levels and contracts at different prices, but they won’t tell you about them unless you ask. For instance, you could avoid a $190 cable bill by paying only for the channels you most frequently watch.

6. Learn to say “no,” at least sometimes, to your kids and grandkids. Spending money, mobile phone plans, car insurance, gas money and car payments are a few things you may be supplementing for a child or grandchild that you might consider cutting out or at least reducing.

7. Set up different checking accounts for your non-discretionary and discretionary spending.

Arrange for monthly bills to be paid from the first account by a bill-pay service or electronic fund transfer. Conversely, use a debit card for personal spending. With two separate accounts, you can better manage and monitor your discretionary spending.

8. Consider creating a separate savings account at a different financial institution from where you have your checking account(s) so it is harder to transfer money. You can set up a direct deposit or auto-draft from your paycheck to do this each month without any effort on your end.

A Certified Financial Planner professional can also help you audit and discover expenses that can be reduced or eliminated. To find a CFP professional near you, visit letsmakeaplan.org.

These simple steps may seem small, but they can add up to big savings for you and your family.

Simple steps may seem small, but they can add up to big savings for you and your family.

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HOME

Plan the Ultimate Kitchen Upgrade

(Family Features) A kitchen serves as commandcentral of most homes, so it’s also one of the first rooms homeowners choose when it’s time to make upgrades. When approaching your kitchen remodel, it’s important to keep your family’s lifestyle at the forefront of your planning to create a space that fits the way you like to live.

Make purposeful changes. A desire to bring your kitchen’s style up to date is plenty of motivation for a renovation, but to get maximum benefit from your new space, spend time considering what functional improvements you can make, too. Do you need more cabinets for storage? Is there enough counter space for meal prep? Does the overall layout suit your family’s needs? Even if you chose the original layout and floorplan, chances are good that over time you’ve found a few things you’d change given the chance to do it again.

Consider physical space. If yours is a family that cooks together, or if guests tend to congregate in the kitchen when you’re entertaining, a renovation is the perfect time to make adjustments that accommodate more bodies in the kitchen. You might want more work zones for multiple cooks or an island or peninsula set away from the high-traffic zone for guests more interested in snacking and chatting than getting hands-on.

Evaluate your shopping style. You may be in the habit of doing your grocery shopping to fit your available space. However, with a larger refrigerator and more pantry space,

your shopping habits could change, allowing you to become a bulk shopper or at least increase the time between shopping trips.

Be realistic about mealtime. If your family’s activities have everyone eating at different times, you may benefit from a feature like a warming drawer that keeps dinner warm until each family member makes it home for a meal. Think about features that would make the table space more practical, such as task lighting so kids can tackle homework at the table or convenient access to power for laptops.

Choose appliances with care. It’s easy to get carried away with all of the design elements that go into a kitchen renovation, but at the end of the day, remember the appliances are the true centerpiece of the space. Be sure to leave room in the budget to select the best appliances for your needs so you have all the functions, features and space to make using your new kitchen as enjoyable as possible.

Think into the future. A kitchen renovation can be a costly venture, so it’s a good idea to project years down the road as you consider your needs. Are there features that would enhance the safety if a baby (that soon will become an inquisitive toddler) joins the family? Are there elderly family members may benefit from a lower or higher work station down the road?

Find more expert tips to inform your renovation planning at RemodelingDoneRight.com. www.citizennewspapergroup.com

CITIZEN | South Suburban | Week of Aug. 5, 2020

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Written permission is required to reproduce contents in whole or in part from the publisher. Citizen Newspaper Group, Inc. does not assume the responsibility for nor are we able to return unsolicited materials, therefore they become property of the newspaper and can or will be discarded or used at the newspapers disgratation. Deadlines for advertising is every Friday at noon. Deadlines for press releases are Thursdays at 10 am prior to the next week’s edition. Please send information for the calendar at least three weeks prior to the event. Send to: editorial@citizennewspapergroup.com. For more information on subscriptions or advertising, call us at (773) 783-1251 or fax (872) 208-8793. Our offices are located at 8741 South Greenwood Suite# 107, Chicago, Illinois 60619.

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8 | CITIZEN | South Suburban | Week of Aug. 5, 2020

Taking action on our commitment to Chicago We know we must do more to address the very real consequences of systemic racism that exist in society today. The impact on communities across the country is clear, including where our teammates live and serve our clients.

To drive progress, Bank of America has committed to invest $1 billion over four years to advance racial equality and economic opportunity, building on work we’ve had underway for many years. We’re partnering with community and corporate leaders to create sustainable change. Our actions will help address critical issues and long-term gaps, including: •

connecting workers to new skills and enhanced job readiness

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increasing medical response capacity and access to health care

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powering minority-owned small businesses through access to capital

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helping people find a place to call home they can both love and afford

We know there’s a lot of work to be done, but we promise to keep listening as we work together on this shared mission.

Paul Lambert Chicago Market President

Bank of America, N.A. Member FDIC. Equal Housing Lender

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