Southern Regional Community Development Plan

Retail and Mortgage Lending Activities

1. Target Mortgage Lending Goals (2014 prior year)

   1. Believable Banking – Home Mortgage $4MM over 3yrs
   2. 62838 62471 Believable Banking – Home Improvement Loan $2MM over 3yrs

2. Diverse Community Engagement Marketing Strategy

   1. Middle Middle 1.33% 22.38% Development of a Strategic Community Engagement Plan with the assistance of Conversions Global, LLC and Vector Communications consisting of;
      • Traditional and non-traditional advertising mediums 
      • Participation in community events, (Fairs, Festivals, Workshops, Initiatives…etc)

3. Diverse Mortgage Loan Officers & Management

   1. Community Development & CRA Officer
   2. (1) Community Development Mortgage Consultant

Small Business Lending – Believable Banking, “Emerging Business Program”

The objective of the Emerging Business Lending & Capacity Building Program (EBP) is to provide emerging company’s access to adequate market-rate capital liquidity, training, and other professional services, so they grow and increase capacity, creating economic opportunity in their communities. Emerging business are defined as: Minority/Women/Disadvantaged and Small Businesses as defined by the SBA SBIC guidelines. 

Community Development Partnerships

• 6:35 Pantry
• BCMW  - Bond, Clinton, Marion, Washington (counties) Community Services
• Court Appointed Special Advocate (CASA)
• C.E.F.S. Economic Opportunity Corporation (CEFS)
• Chamber of Commerce’s – Centralia, Greenville, & Vandalia, Effingham
• Centralia Area United Fund • CEO Program • Cities • Effingham Central Business Group
• Meals on Wheels
• Heartland Human Services
• Jewett Community Church
• JMWCDC – Jefferson Marion Williamson Community Development Corporation
• Kaskaskia College Small Business Technical Development Center
• Salvation Army
• SCIGA
• Senior Citizen Services
• Soroptimist International
• St. Mary’s Hospital Foundation
• Unit 40 Mentoring Program
• United Way
• Jefferson Elementary
• Ramsey Grade School
• St. Elmo Grade School
• Effingham County Fish Human Services (FISH)
• Big Brothers Big Sisters 

Community Outreach and Engagement

A. Financial Education

1. Fayette County – South Central School District 
2. Effingham County – “Wellness Loft” program
   

B. Community Advisory Board – Meets Quarterly

1. Southern Region Advisory Board 2016 Members – Leonard Taylor, Larry Unverfehrt

C. Outreach and Engagement Efforts: Organization Membership, Board & Committee Appointments

• Dan Rice – JMWCDC President, Board of Directors
• Doug Knebel – Fayette County Hospital Board of Directors
• Karen Kessinger– Greenville Chamber Board of Directors
• Kylene Hoelscher – Centralia Chamber Board of Directors 
• Leonard Taylor (Advisory Board) – Greenville Regional Hospital Board of Directors
• Kyndy Schaefer – Effingham Salvation Army, Board Treasurer
• Kyndy Schaefer – Unit 40 School District Mentoring Program, Mentor
• Aaron Myers – Arts Connection of Central Illinois, Board Director
• Aaron Myers – Harmony Playground, Chairperson
• Mel Stock – United Way of Effingham County, Executive Committee 
• Mel Stock – Effingham County Chamber of Commerce, Executive Committee & Vice President Business Development, 2017 Fiscal Year Chair Elect
• Mel Stock – Rotary Charities Foundation of Effingham, Board Treasurer 

Multi-Lingual Materials and Services

Midland States Bank will have multi-lingual materials available and provide access to multi-lingual staff as needed.