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prehensive Health Care benefits and at least a $1,500 allowance for Continuing Education, both 3-star scores. Furthermore, Monique Ngyuen, Human Resource Generalist & Corporate Secretary, argues that in practice its policy is even more generous, stating that “any employee with a reasonable request for continuing education would likely be approved.”

• Clean Tech, Green Energy and Green Chemistry • Women- and Minority-Owned Businesses • Resource Efficiency and Conservation in the Built Environment • Upcycling, Recycling and Repurposing • Rural Community Development and Support of Natural Resources

Local Benefit OPCB is committed to developing local, sustainable economies and is a proud member of the Business Alliance or Local Living Economies (BALLE). OPCB CoFounder and CEO Kat Taylor lives within 25 miles of the bank’s headquarters in Oakland, and 100% of the senior executives live within 50 miles of their office locations, meeting the 3-star criteria for Local Control.

This commitment exceeds the 3-star requirements for Responsible Investing and is a model for how companies can make an impact while generating a great return on their investment. In fact, in 2012 the bank ranked in the top quartile of its peers for quarter-on-quarter loan growth. The bank’s 401k plans also include SRI options, which the Institute is now considering including as a requirement for the JUST program.

OPCB also has a policy to promote ecologically sustainable and socially responsible purchases. It received 3 stars for Local Sourcing by procuring the majority of external goods and services either locally or regionally from independent, locally-owned and operated businesses. All profits are also invested in the local communities through the One PacificCoast Foundation.

In addition to required financial disclosures, the bank also reveals its annual greenhouse gas emissions and buys carbon offset for the full amount, earning 3-stars for Transparency. OPCB is also planning to report on water usage and waste generation this year.

Community Volunteering is another category where the JUST program has inspired changes to the bank’s policies. While employees are involved with numerous Stewardship The responsible management of resources is the cat- non-profit boards and volunteer activities, the written egory where the JUST program and OPCB have the policy only allowed eight hours per year in unpaid leave greatest alignment of values, revealing an incredible for volunteering. The bank is now revising this policy opportunity to work together to transform the market in 2014 to 32 hours of paid time off, a strong message of support for its employees to get involved in their for social good. local communities. OPCB not only gives all its profits to the OPCB Foundation; it also targets specific market segments with its Finally, by offering a range of beneficial financial prodinvestment to make the greatest social impact. Accord- ucts to underserved markets with potential for positive ing to the 2012 Beneficial Banking Report, approxi- change in their targeted sectors, the bank clearly met mately 83% of loan dollars met the criteria for mission- the 3-star criteria for Positive Products. aligned and Socially Responsible Investments (SRI) in Harnessing Market Forces the following sectors: for Social Justice • Affordable Housing, Multi-family and Neighbor- One of the most exciting aspects of the partnership between JUST and OPCB is the impact that transparhood Stabilization ent reporting of corporate social equity practices may • Sustainable Food, Fisheries and Agriculture • Low-Income Community Economic Development have on the lending market. OPCB has been refining

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