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0 Cities for FINANCIAL EMPOWERMENT Fund GRANT AGREEMENT This Grant Agreement (the "Agreement"), dated as of March 1, 2023 (the "Effective Date") is by and between the Cities for Financial Empowerment Fund, Inc. (the "CFE Fund"), a Delaware non -stock, non-profit corporation with its principal office located at 44 Wall Street, Suite 1050, New York, NY 10005 qualified as exempt from federal income tax under section 501(c)(3) of the Internal Revenue Code of 1986, as amended (the "Code"), and the City of Miami, a municipal corporation of the State of Florida, whose principal address is 3500 Pan American Drive, Miami, Florida 33133, acting through its City Manager (the "Grantee") (the CFE Fund and the Grantee, collectively, the "Parties"). WHEREAS, the CFE Fund works to support municipal engagement to improve the financial stability of low and moderate income households by embedding financial empowerment strategies into local government infrastructure (the "Purposes"). WHEREAS, the CFE Fund has determined that the support of the Grantee in the work contemplated by this Agreement furthers the exempt purposes of the CFE Fund. WHEREAS, the Grantee has agreed to use the Summer Jobs Connect Innovation Grant funds provided by this Agreement (the "Grant") to support the Purposes by managing the implementation and operation of the activities for Summer Jobs Connect Innovation, as set forth in Exhibit A (the "Request for Proposal & Proposal") and Exhibit B (the "Scope of Work") (Exhibits A and B, collectively the "Program"). WHEREAS, the CFE Fund and the Grantee desire to enter into this Agreement to provide for the terms and conditions of the Grant and the Program. NOW, THEREFORE, the CFE Fund and the Grantee agree as follows: 1. Grant. The CFE Fund pledges and agrees to provide a Grant in the form of cash or cash equivalents in an amount not to exceed $50,000 (FIFTY THOUSAND DOLLARS). Grant funds will be paid in U.S. Dollars no sooner than what is laid out in the Grant Payout Schedule in Section 5(c). The Grant will be divided into a $10,000 planning phase for work related to the Grantee's 2023 summer youth employment program ("2023 SYEP) and a $40,000 implementation phase for the Grantee's 2024 summer youth employment program ("2024 SYEP), provided that the Grantee meets all programmatic requirements for work related to its 2023 SYEP, and CFE Fund approval of the Grantee's program plan its 2024 SYEP. 44 Wall Street, Suite 1050 I New York, NY 10005 I www.cfefund.org 2. Use of Grant. The Grant is to be used only for the purposes outlined in the Scope of Work and in accordance with the specific allocations identified in the Grant budget included in Exhibit C (the "Grant Budget"). The Grantee must obtain the prior written consent of the CFE Fund before engaging in any work that is beyond the Scope of Work and the failure to obtain such consent shall invalidate any obligation of the CFE Fund to pay any invoices for such work. 3. Term. (a) The Grant term will begin as of the Effective Date and end on January 31, 2025 (the "Term"). Any funds not used by the end of the Grant term toward the purposes of this Grant will be returned to the CFE Fund within thirty (30) days after the end of the Grant Term unless otherwise agreed upon by both parties in writing in advance. (b) This Agreement may be terminated at any time prior to its scheduled termination as set forth above: (i) By either the CFE Fund or the Grantee without cause by giving the other party sixty (60) days prior written notice; (ii) Immediately by a non -breaching party following a material breach of this Agreement by the other party and the expiration of a ten (10) day "cure" period after the non -breaching party shall have given notice to the breaching party of such breach; or; (iii) Immediately by the CFE Fund when its objectives can no longer be advanced through the relationship set forth in this Agreement including, without limitation, by the Grantee's administration of any Vendor work as it relates to the Scope of Work. (c) If the Agreement is terminated by any party for any reason, CFE Fund will have no further obligation to make any payments to the Grantee except for work already completed but not yet paid for prior to the termination; provided, that (i) such work is within the Scope of Work or (ii) if such work is beyond the Scope of Work, the prior written consent of the CFE Fund has previously been obtained. 4. Vendor(s). (a) A Vendor shall be defined for purposes of this Agreement as a community -based 501(c)(3) organization, governmental organization or private entity engaged by the Grantee to support the implementation of the Program. (b) The CFE Fund hereby appoints the Grantee as its sole and exclusive agent with respect to any Vendor(s). Each Vendor may rely upon the direction and instruction of the Grantee. CFE FUND GRANT AGREEMENT 2 (c) For a period of three (3) years and a day following the expiration of the Grant Term, the Grantee shall keep and maintain accurate books, records, and accounting documentation of each Vendor's performance under the Scope of Work and shall make such records available for inspection by the CFE Fund and/or its auditors upon prior reasonable notice to such effect. 5. Conditions of Disbursement of Grant. (a) Grantee shall be eligible to receive funds upon the fulfillment of the following conditions: (i) Planning Phase funds: Receipt by the CFE Fund of a countersigned copy of this Agreement, which includes Scope of Work and Grant Budget. Budget should be a detailed, line -item projected accounting of all Program costs. (ii) Implementation Phase funds: Satisfactory contract deliverables as defined in the Scope of Work at the end of the Planning Phase, submission and approval by the CFE Fund of the Grantee's program plan for its 2024 SYEP. (b) Disbursements of the Grant shall be subject to the fulfillment of the following conditions: (i) Timely receipt of all Grantee reports and financial reporting in accordance with Exhibit F ("Reporting"). (ii) Satisfactory performance of this Agreement in accordance with the Scope of Work. (c) Grant Payout Schedule: (i) Initial 20% of funds ($10,000) will be paid upon execution of Agreement and receipt of detailed line -item projected accounting. (ii) Additional 75% of funds ($37,500) will be paid upon approval of interim report including documentation of expenditures showing that at least the initial 20% disbursed has been spent, and CFE Fund approval of the Grantee's program plan for its 2024 SYEP. (iii) Final 5% of funds ($2,500) will be paid upon approval of final report and documentation of expenditures showing that at least the initial 95% disbursed has been spent, along with a plan for spending of remainder of grant funds within two months, if not already completely spent. The Grantee will be required to provide a final accounting when all funds have been spent. Any unused Grant funds will be returned to the CFE Fund. CFE FUND GRANT AGREEMENT 3 6. Payment of Grant. Subject to the fulfillment of the conditions set forth in Section 5: (a) The CFE Fund may increase the Scope of Work and corresponding outcome requirements and make concomitant payment adjustments as funds become available to expand services. Any increase in the Scope of Work and subsequent outcome goals would be made in consultation with and at the option of the Grantee. (b) Services provided by the Grantee beyond the Grant Term shall not be within the Scope of Work under this Agreement and shall not be included in the Grant. (c) The CFE Fund can make grant payments in one of two ways. Please initial in ONE of the boxes to select the requested payment option: Initial Here for Electronic Payment and to Authorize Employee Initial Here for Payment by Check (i) For electronic payment: The CFE Fund will make an electronic payment through the CFE Fund's payment system, bill.com. The Grantee authorizes the below employee to create an account and enter the Grantee's appropriate bank routing and account number into bill.com. The Grantee will ensure that account information in bill.com is accurate throughout the life of the Grant. (ii) For payment by check: The CFE Fund will issue a check to the Grantee at the address provided: City of Miami 444 SW 2nd Ave, 5th Floor Office of Grant Administration Attn: Lillian Blondet, Director Miami, FL 33130 (d) The CFE Fund's ability to pay out this Grant is dependent on the timely receipt of Grant funding from institutional grantors. In the event that the CFE Fund has not received sufficient or timely funding from these grantors, the CFE Fund may elect to postpone, reduce, or eliminate this Grant prior to disbursement. 7. Covenants. During the term of this Grant, the Grantee is expected to adhere to the terms and conditions below and outlined in Exhibit B ("Scope of Work"). Failure to adhere to these conditions will constitute an act of default and result in the return part or all of the Grant funds to the CFE Fund and the termination of any obligation of the CFE Fund to pay subsequent CFE FUND GRANT AGREEMENT 4 invoices submitted after such default. In such a case, the CFE Fund will determine in its sole and absolute discretion the percentage of the Grant to be returned. Cessation or reclamation of Grant funding by the CFE Fund may also result in the Grantee's elimination from consideration for investment from the CFE Fund in any other form. In the event that the CFE Fund terminates the Grant as provided herein, the Grantee shall return Grant funds to the CFE Fund within the time period specified by the CFE Fund upon termination. During the Grant Term and beyond as applicable, the Grantee under this Agreement agree to: (a) Coordinate the overall implementation of the program with respect to the Scope of Work. The Grantee will oversee and direct the work of all partner organizations with respect to the Scope of Work and proposal, if any, including nonprofit, referral, integration and training partners. (b) Adhere to the uses of the Grant detailed in the Program. (i) This Grant is made only for the purposes of implementing the Scope of Work pursuant to this Agreement. Any Grant funds not expended or committed for these purposes within the Grant Term will be returned to the CFE Fund. Any prospective changes in the use of this Grant totaling over ten percent (10%) of any individual budget line must be submitted in writing to and approved in advance by the CFE Fund. (ii) In addition, the Grantee is expected to meet the milestones and outcomes stated in the Scope of Work within the specified timeframe and in accordance with the Grantee Budget. Any material changes in the Grantee's milestones, outcomes or timeframe should be reported to the CFE Fund at the earliest reasonable opportunity. The CFE Fund will decide in its sole and absolute discretion whether any delays in meeting milestones or outcomes constitute a violation of this covenant, and thus an event of default. (iii) The Grantee will provide immediate written notification to the CFE Fund if significant changes or events occur during the term of the Grant which could potentially impact the progress or outcome of the Grant, including, without limitation, changes in the Grantee's management personnel or lead staff member(s) responsible for implementing the Program, loss of funding or other extenuating circumstances which could affect the Grant budget. The CFE Fund, in its sole and absolute discretion, will determine if requests for budget modifications are warranted. (c) Cooperate in the monitoring, evaluation and reporting of work, as detailed in Exhibit B (the "Scope of Work"). (d) Adhere to the CFE Fund financial compliance stipulations. CFE FUND GRANT AGREEMENT 5 (i) The Grantee will maintain financial records to account clearly for the Grant funds from the CFE Fund and proper expenditures in furtherance of the Grant. The Grantee shall retain and maintain adequate records to substantiate such expenditures according to generally accepted accounting practices. The Grantee shall retain original substantiating documents related to the specific Grant expenditures and make these records available to the CFE Fund upon request. (ii) The CFE Fund reserves the right to audit the Grantee's financial and other records to ensure the proper utilization of its Grant funds. During and at least three years and one day following the end of the Grant erm, the Grantee will be expected to maintain records showing, separately from other accounts kept in its books and records, the receipt and expenditure of the CFE Fund Grant funds. (e) Adhere to the marketing and communications guidance of the CFE Fund as below: (i) The Grantee agree to adhere to the marketing and communication guidelines of the CFE Fund (as it may be amended, modified, supplemented or otherwise revised), and any Grant -relevant institutional investors, including Citi Foundation as provided by the CFE Fund and as applicable. The current form of the marketing and communication guidelines of the Citi Foundation are attached hereto as Exhibit G (the "Citi Foundation Marketing Guidelines"). (ii) The Grantee agrees to provide details about all Grant -related marketing and communication materials and events to the CFE Fund reasonably in advance to jointly determine appropriate branding opportunities for the CFE Fund and any relevant CFE Fund partners. The Grantee agree to acknowledge the CFE Fund and Citi Foundation in all Grant -related materials and events, including but not limited to websites, newsletters, media releases, public announcements, event invitations and programs. The CFE Fund will provide specific communication protocols including language for recognizing the CFE Fund in text and logo format. Grantee shall also provide to the CFE Fund final copies of all printed materials as part of the progress reports for the Program. (iii) Any Grant -related media interviews or public announcements intended for media or public purposes must be coordinated with and approved by the CFE Fund in advance. (iv) The Grantee may not publicly announce the receipt of this Grant or its details until the CFE Fund and its institutional investors have made their official announcement. Prior to the official announcement, the Grantee should consult with the CFE Fund to develop language that may be used for the purposes of recruitment and other administrative purposes. CFE FUND GRANT AGREEMENT 6 (v) Execution of this Grant agreement provides the CFE Fund and its institutional investors the right to disseminate any products, outcomes, or other information related to the Grantee's efforts in any media of its choosing. Whenever feasible, the CFE Fund will share these materials with the Grantee prior to publication and give appropriate credit to the Grantee as the provider of this information. The Grantee will be expected to cooperate in any public education or outreach effort undertaken in connection with this Grant, which may include other CFE Fund programs. (f) Adhere to the following prohibitions on the use of the Grant. Under no circumstances shall the Grantee, any Vendor, or any other organization receiving the CFE Fund's Grant funds use these funds directly or indirectly for the following purposes or activities: (i) Make a Grant to an individual for travel, study or other similar purpose, as described in section 4945(d)(3) of the Code. (ii) Promote or engage in violence, terrorism, bigotry, or the destruction of any state, nor will it make sub -Grants to any entity that engages in these activities. (iii) Influence legislation, especially for the benefit of the CFE Fund or any of its affiliates or funders, including by publishing or distributing any statements, or any campaign in support of or opposition to any pending legislation. (iv) Any other purposes outside what is stated in the Scope of Work without express written permission from the CFE Fund. 8. Compliance with Laws. Grantee shall comply with, and shall ensure that any Vendors or sub -Vendors engaged by the Grantee in connection with the Program comply with, all local, state and federal laws (including common laws), ordinances, codes, rules and regulations regarding the Program and Grantee's obligations and performance under this Agreement. Grantee shall obtain and maintain, and shall ensure that any Vendors or sub -Vendors engaged by the Grantee in connection with the Program obtain and maintain, any and all permits, licenses, bonds, certificates and other similar approvals required in connection with this Agreement. 9. Indemnification. Neither party indemnifies the other in this Agreement. 10. Public Records Laws (a) This Grant is subject to Chapter 119 of the Florida Statutes (the "Florida Public Records Law"). The CFE Fund understands that the public shall have access, at all reasonable times, to all documents and information pertaining to this Agreement, CFE FUND GRANT AGREEMENT 7 subject to the Florida Public Records Law. The parties shall specifically require all Vendors and/or sub -Vendors to comply with this paragraph. (b) The parties shall additionally comply with Section 119.0701, Florida Statutes, including without limitation: (i) keep and maintain public records required by the Grantee to perform under this Agreement; (ii) upon request from the Grantee's custodian of public records, provide the Grantee with a copy of the requested records or allow the records to be inspected within a reasonable time at a cost that does not exceed the cost provided for in Chapter 119, or otherwise provided by law; (iii) ensure that public records that are exempt or confidential and exempt from public records disclosure requirements are not disclosed except as authorized by law for the duration of the Agreement term and following completion of this Agreement if the CFE Fund does not transfer the records to the Grantee; and (iv) provide to the Grantee all electronically stored public records, upon request from the Grantee's custodian of public records, in a format compatible with the Grantee' s information technology systems. (c) Upon completion of this Agreement, transfer, at no cost, to the Grantee all public records in possession of the CFE Fund or keep and maintain public records required by the Grantee to perform under this Agreement. If the CFE Fund transfers all public records to the Grantee upon completion of this Agreement, the CFE Fund shall destroy any duplicate public records that are exempt or confidential and exempt from disclosure requirements. If the CFE Fund keeps and maintains public records upon completion of this Agreement, the CFE Fund shall meet all applicable requirements for retaining public records. (d) The CFE Fund shall be permitted to retain any public records that make up part of its work product solely as required for archival purposes, as required by law, or to evidence compliance with the terms of this Agreement. (e) Notwithstanding any other provision to the contrary in this Section, the Grantee shall, prior to the release of any public records relating to this Agreement pursuant to the Florida Public Records Law: (i) provide written notice to the CFE Fund within three (3) business days of receipt by the Grantee of a request of public records relating to this Agreement pursuant to the Florida Public Records Act; provided, that such notice shall include a copy of the relevant records request; and (ii) obtain written response from the CFE Fund with respect to such notice containing either (A) a notice of approval, in which case the public records requested may be released or (B) a notice of intent to dispute, in which case no records may be released until such dispute has reached final legal adjudication. (f) Should the CFE Fund determine to dispute any public access provision required by Florida Public Records Law, then the CFE Fund shall do so at its own expense and at no cost to the Grantee. CFE FUND GRANT AGREEMENT 8 IF THE CFE FUND HAS QUESTIONS REGARDING THE APPLICATION OF CHAPTER 119, FLORIDA STATUTES, TO THE CFE FUND'S DUTY TO PROVIDE PUBLIC RECORDS RELATING TO THIS AGREEMENT, CONTACT THE DIVISION OF PUBLIC RECORDS AT (305) 416-1883, VIA EMAIL AT PUBLICRECORDS(a,MIAMIGOV.COM, OR REGULAR MAIL AT CITY OF MIAMI OFFICE OF THE CITY ATTORNEY, 444 S.W. 2ND AVENUE, 9TH FL, MIAMI, FL 33130. THE CFE FUND MAY ALSO CONTACT THE RECORDS CUSTODIAN AT THE CITY OF MIAMI DEPARTMENT WHO IS ADMINISTERING THIS AGREEMENT. 11. Non -Impairment of Charitable Status. The Grantee covenants and agrees that it shall take no action, omit to take any action, or engage in any activity that could impair or endanger, either directly or indirectly, the CFE Fund's exempt status under the Internal Revenue Code, or which could hinder the CFE Fund's ability to fulfill its charitable mission. 12. Confidentiality. All reports, information or data furnished to or to be prepared or assembled under this Agreement are to be held confidential, unless otherwise herein provided (including, without limitation, the terms and conditions set forth in Section 7(e) and the Scope of Work) or subject to disclosure by law. 13. Intellectual Property. All ownership, title, interest, and intellectual property rights of documents, templates, and other materials provided by the CFE Fund shall remain solely the CFE Fund's. Nothing in this section or agreement is intended to, and shall not be construed to, transfer any property rights or any intellectual property rights to materials developed by the CFE Fund to the Grantee. The Grantee may use the CFE Fund's intellectual property for (i) internal planning processes; (ii) in furtherance of the Scope of Work; and (iii) otherwise expressly authorized by the CFE Fund. Any unauthorized disclosure of the CFE Fund's intellectual property without expressed authorization shall be considered a breach of this agreement. The Grantee agree that CFE Fund may reproduce, publish or otherwise use the work product generated during the Grant Term without any restriction whatsoever, including any requirement for approval from the Grantee. 14. Non -Assignability. The Grantee shall not assign, transfer, subcontract, convey or otherwise dispose of this Agreement or of its rights, obligations, responsibilities or duties hereunder, either in whole or in part, without the prior written consent of the CFE Fund. CFE FUND GRANT AGREEMENT 9 15. Compliance with Anti -Discrimination Rules. In its use of Grant funds provided by the CFE Fund, and in the course of all development, marketing and operation activities, the Grantee shall fully comply with all applicable federal, state, local (and any other governmental), anti -discrimination laws, executive orders, rules and regulations. 16. Severability of Provisions. Each provision of this Agreement shall be considered severable and if for any reason any provision or provisions herein are determined to be invalid, unenforceable or illegal under any existing or future law, such invalidity, unenforceability or illegality shall not impair the operation of or affect those portions of this Agreement which are valid, enforceable and legal. 17. Entire Agreement. This Agreement contains the entire understanding between the parties hereto with respect to the subject matter of this Agreement and replaces and supersedes all prior agreements and understandings of the parties. This Agreement may be amended or modified only by a writing executed by the parties hereto. 18. Binding Agreement. Notwithstanding any other provision of this Agreement, the parties agree that this Agreement constitutes a legal, valid and binding agreement of each party, and is enforceable against each party in accordance with its terms. 19. Governing Law. AS A FLORIDA MUNICIPAL CORPORATION, GRANTEE IS BOUND BY THE STATE OF FLORIDA. AS A DELAWARE NON -STOCK, NON-PROFIT CORPORATION, CFE FUND IS BOUND BY THE LAWS OF THE STATE OF DELAWARE. THIS AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK, WITHOUT GIVING EFFECT TO THE CONFLICT OF LAWS PROVISIONS THEREOF. 20. Submission to Jurisdiction; Service of Process. (a) EACH OF THE PARTIES HERETO HEREBY IRREVOCABLY AND UNCONDITIONALLY SUBMITS, FOR ITSELF AND ITS PROPERTY, TO THE NON-EXCLUSIVE JURISDICTION OF THE SUPREME COURT OF THE STATE OF NEW YORK SITTING IN THE BOROUGH OF MANHATTAN IN THE CITY OF NEW YORK AND OF THE UNITED STATES DISTRICT COURT FOR THE SOUTHERN DISTRICT OF NEW YORK SITTING IN THE BOROUGH OF MANHATTAN IN THE CITY OF NEW YORK, AND ANY APPELLATE COURT FROM ANY THEREOF, IN ANY ACTION OR PROCEEDING ARISING OUT OF OR RELATING TO THIS AGREEMENT, AND HEREBY IRREVOCABLY CFE FUND GRANT AGREEMENT 10 AGREES THAT ALL CLAIMS IN RESPECT OF SUCH ACTION OR PROCEEDING MAY BE HEARD AND DETERMINED IN SUCH NEW YORK STATE OR FEDERAL COURT. THE PARTIES HERETO HEREBY IRREVOCABLY WAIVE ANY OBJECTION, INCLUDING ANY OBJECTION TO THE LAYING OF VENUE OR BASED ON THE GROUNDS OF FORUM NON CONVENIENS, THAT ANY OF THEM MAY NOW OR HEREAFTER HAVE TO THE BRINGING OF ANY SUCH ACTION OR PROCEEDING IN SUCH RESPECTIVE JURISDICTIONS. EACH PARTY TO THIS AGREEMENT AGREES THAT A FINAL JUDGMENT IN ANY ACTION OR PROCEEDING WILL BE CONCLUSIVE AND MAY BE ENFORCED IN OTHER JURISDICTIONS BY SUIT ON THE JUDGMENT OR IN ANY OTHER MANNER PROVIDED BY LAW. (b) EACH PARTY TO THIS AGREEMENT IRREVOCABLY CONSENTS TO THE SERVICE OF THE SUMMONS AND COMPLAINT AND ANY OTHER PROCESS IN ANY OTHER ACTION OR PROCEEDING RELATING TO THE TRANSACTIONS CONTEMPLATED HEREBY, ON BEHALF OF ITSELF OR ITS PROPERTY, BY PERSONAL DELIVERY OF COPIES OF SUCH PROCESS TO SUCH PARTY. NOTHING CONTAINED IN THIS SECTION WILL AFFECT THE RIGHT OF ANY PARTY TO SERVE PROCESS IN ANY OTHER MANNER PERMITTED BY LAW OR COMMENCE LEGAL PROCEEDINGS OR OTHERWISE PROCEED AGAINST ANY OTHER PARTY IN ANY OTHER JURISDICTION. 21. Waiver of Jury Trial. EACH OF THE PARTIES HERETO HEREBY EXPRESSLY AND IRREVOCABLY RELEASES, WAIVES AND RELINQUISHES ANY AND ALL RIGHTS TO TRIAL BY JURY IN ANY CLAIM, DEMAND, ACTION, SUIT, PROCEEDING OR CAUSE OF ACTION IN WHICH ANY OF THEM ARE PARTIES, WHICH IN ANY WAY (DIRECTLY OR INDIRECTLY) ARISES OUT OF, RESULTS FROM OR RELATES TO ANY OF THE FOLLOWING, IN EACH CASE WHETHER NOW EXISTING OR HEREAFTER ARISING AND WHETHER BASED ON CONTRACT OR TORT OR ANY OTHER LEGAL BASIS: (I) THIS AGREEMENT; (II) ANY PAST, PRESENT OR FUTURE ACT, OMISSION, CONDUCT OR ACTIVITY WITH RESPECT TO THIS AGREEMENT; (III) ANY TRANSACTION, EVENT OR OCCURRENCE CONTEMPLATED BY THIS AGREEMENT; (IV) THE PERFORMANCE OF ANY OBLIGATION OR THE EXERCISE OF ANY RIGHT UNDER THIS AGREEMENT; AND (V) THE ENFORCEMENT OF THIS AGREEMENT. EACH OF THE PARTIES HERETO HEREBY FURTHER AGREES THAT THIS AGREEMENT CONSTITUTES ITS WRITTEN CONSENT THAT TRIAL BY JURY WILL BE WAIVED IN ANY SUCH CLAIM, DEMAND, ACTION, SUIT, PROCEEDING OR OTHER CAUSE OF ACTION AND AGREES THAT EACH OF THEM WILL HAVE THE RIGHT AT ANY TIME TO FILE THIS AGREEMENT WITH THE CLERK OR JUDGE OF ANY COURT IN WHICH ANY SUCH CLAIM, DEMAND, ACTION, SUIT, PROCEEDING OR OTHER CAUSE OF ACTION MAY BE PENDING AS WRITTEN CONSENT TO WAIVER OF TRIAL BY JURY. CFE FUND GRANT AGREEMENT 11 22. Amendment. The CFE Fund shall consider, but is not obligated to agree to, requests by the Grantee to amend the terms of this Agreement. Amendments to this Agreement shall be made only after (i) the CFE Fund has received written request from the Grantee stating the nature of the amendment request, and (ii) the CFE Fund has executed a written agreement describing the terms of the amendment. 23. Counterparts and Electronic Signatures. This Agreement may be executed in any number of counterparts, each of which so executed shall be deemed to be an original, and such counterparts shall together constitute but one and the same Agreement. The parties shall be entitled to sign and transmit an electronic signature of this Agreement (whether by facsimile, PDF or other email transmission), which signature shall be binding on the party whose name is contained therein. Any party providing an electronic signature agrees to promptly execute and deliver to the other parties an original signed Agreement upon request. 24. Notices. Any notices required to be delivered hereunder shall be in writing and personally delivered, mailed or sent by electronic mail, telefacsimile or other similar form of rapid transmission, and shall be deemed to have been duly given upon receipt (a) at the respective parry's address listed on Exhibit F ("Notices") or (b) at such other address as may be designated by written notice to the other party. [SIGNATURE PAGE FOLLOWS] CFE FUND GRANT AGREEMENT 12 IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be duly executed by their respective officers as of the day and year first above written. CITIES FOR FINANCIAL EMPOWERMENT FUND, INC. By: Name: Jonathan Mintz Title: President and Chief Executive Officer Date: THE CITY OF MIAMI, a municipal Corporation of the State of Florida By: Name: Arthur Noriega V Title: City Manager Date: APPROVED AS TO FORM AND CORRECTNESS: By: Name: Victoria Mendez Title: City Attorney Date: APPROVED AS TO INSURANCE REQUIREMENTS By: Name: Ann -Marie Sharpe Title: Director, Risk Management Date: ATTEST: By: Name: Todd Hannon Title: City Clerk Date: CFE FUND GRANT AGREEMENT 13 Exhibit A Request for Proposal and Proposal [To Be Attached] CFE FUND GRANT AGREEMENT EXHIBIT A 14 Lillian Blondet City of Miami Summer Jobs Connect Miami (SJC-Miami) Summer Jobs Connect: Innovative Banking to Support At -Risk Youth RFP City of Miami Ms. Lillian Blondet 444 SW 2nd Ave 10th Floor Miami, FL 33130 Ms. Lillian Blondet 0: 305-416-1407 M: 305-416-1536 444 SW 2nd Avenue, 5th Floor Miami, FL 33130 Lblondet@miamigov.com 0: 305-416-1536 M: 305-416-1536 Summer Jobs Connect: Innovative Banking to Support Printed On: 17 January 2023 At -Risk Youth RFP 1 Lillian Blondet City of Miami Application Form Summary With the generous support of the Citi Foundation, the Cities for Financial Empowerment Fund (CFE Fund) is seeking proposals from current Summer Jobs Connect grantees, which will support innovative banking integration approaches to target at -risk youth employment program participants (e.g., youth in foster care, justice -involved youth, homeless youth, etc.) and provide increased opportunities and support to open and learn how safely to use banking accounts. Proposals should highlight what new programs or supports are being designed and implemented to uniquely support a targeted subset of participants. Building off the success of the Summer Jobs Connect (SJC) program and leveraging the expanding availability of safe bank accounts for youth, the SJC Innovation Fund now can award grantees up to $70,000 to design, pilot, and fully implement an innovative banking access approach specifically targeting an at -risk youth population. The Summer Jobs Connect Innovation Fund is a grant that may span the 2023 and 2024 summers and will include technical assistance and learning community support from CFE Fund. Applicants must have an existing programmatic connection to youth and must have identified at least one likely banking partner with an account that meets the Youth Account Priorities. Awardees will be expected to share lessons learned with the larger SJC learning community, which likely will include writing a white paper, presenting at a learning community convening, and providing technical assistance to other SJC partners. Important Dates: RFP Release Date: October 25th, 2022 RFP Informational Webinar Date: November lst, 2022 at 2:OOpm EST using this link https://cfefund- org.zoom.us/j/85796500629. Proposal Due Date: November 21st, 2022 Selection of Awardees: January 2023 Contact: For any questions or additional information about this Request, please contact Matt Trombley at mtrombley@cfefund.org. Proposals should be submitted at our online portal. Background The Cities for Financial Empowerment Fund's mission is to leverage municipal engagement to improve the financial stability of low- and moderate -income households by embedding financial empowerment strategies into local government infrastructure. The Fund works with mayoral administrations and those interested in supporting them to implement innovative programs and policies -- and measures its success accordingly. Learn more about the CFE Fund. The CFE Fund is leading the effort to leverage government programming, funding, and partnerships to ensure that everyone has access to safe and affordable financial products and services. Working to support the successes of local Bank On coalitions and programs, the national Bank On initiative oversees the certification of accounts that meet Bank On National Account Standards, data collection from financial institutions with certified accounts, coalition grant support and technical assistance, and investments in multi -city programming approaches to integrating banking access into local services Summer Jobs Connect: Innovative Banking to Support Printed On: 17 January 2023 At -Risk Youth RFP 2 Lillian Blondet City of Miami The Summer Jobs Connect (SJC) Innovation Fund grant opportunity can support an existing SJC grantee to identify, plan, and operationalize a banking opportunity within their SYEP structure to specifically target an at -risk youth population. Eligible applicants must operate municipal SYEPs that can facilitate participants opening and using accounts that meet the SJC Youth Account Priorities. Local Staff Capacity Applicants must have sufficient and dedicated staffing within their youth employment programs and, ideally, their financial empowerment efforts to support the design and implementation of this pilot. Their roles will include: • Managing the design process for the banking integration within the youth employment program; • Analyzing program structure to identify programmatic touchpoints with the targeted at -risk population, to identify banking access integration strategies; • Participating in monthly telephone calls with the CFE Fund to develop program plans, bank or credit union account options, and integration processes; and, • Sharing lessons learned regarding targeted program design with the SJC learning community. Submitting Applications Applications must be made through our online grant portal. It is possible to save drafts of proposals on the site and return to them, but we suggest drafting applications outside of the system first (e.g., Microsoft Word), then copying and pasting the final answers into the submission system. To complete and submit the application, you must check the box at the bottom of the site indicating that this is your final submission. CFE Fund will consider proposals only when they are marked as final. As you are preparing the application, please feel free to contact Matt Trombley (mtrombley@cfefund.org) to refine the proposed program integration. Please note: All grant decisions will be made by the CFE Fund and are final. Contact Information Main Contact Person* Gissella Bermudez Sotelo Contact Person's Phone Number* (305) 416-1407 Contact Person's Email Address* gsotelo@miamigov.com Summer Youth Employment Program Name* Summer Jobs Connect Miami (SJC-Miami) Summer Jobs Connect: Innovative Banking to Support Printed On: 17 January 2023 At -Risk Youth RFP 3 Lillian Blondet City of Miami City & State* Miami, FL Municipal Agency/Department* City of Miami/Office of Grants Administration Type of Organization* City Government If Other, please specify. Organization Employer Identification Number (EIN)* 59-6000375 If chosen to receive this grant, will your organization require a fiscal sponsor to receive funds?* No At -Risk Youth Population Targeted At -Risk Youth Population* What at -risk youth population are you targeting for your innovative banking integration? Homeless youth If Other please specify below. Total Number of Targeted Youth Served* What is the overall number of your targeted at -risk youth population your organization serves in your SYEP annually? 200 Summer Jobs Connect: Innovative Banking to Support Printed On: 17 January 2023 At -Risk Youth RFP 4 Lillian Blondet City of Miami Targeted At -Risk Youth Population Demographics* Please provide demographic information about your targeted at -risk youth population (age, gender, ethnicity, etc.). Under the umbrella of the Summer Jobs Connect -Miami Program, the City of Miami will partner with Miami Bridge Youth & Family Services, Inc. (Miami Bridge) for the Miami Youth Start Up project to serve homeless youth, ages 14-17. This project will be offered to unhoused youth that are either living at Miami Bridge's Emergency Shelter and/or are participating in one of Miami Bridge's various outreach programs. The demographics of the youth who will be served by this project are as follows: Hispanic/Latino: 61% African-American/Black: 2 9 % Caucasian: 7% LGBTQ: 4% Female: 46% Male: 54% Banking Status of Targeted At -Risk Youth Population* What is the unbanked percentage of your targeted at -risk youth population? How are you calculating this? If you are uncertain, please estimate based on known data points (e.g. SYEP more generally), and then explain how you came to this estimate. The homeless youth this project will serve live within the City of Miami at Miami Bridges' Emergency Shelter, and/or participate in one or more of Miami Bridge's outreach programs. The youth served by Miami Bridge and that will participate in the Miami Youth Start Up program are unbanked. Statistics on the percentage of unbanked homeless youth is not readily accessible. Much of the banking data available does not account for the unhoused population. However, we can look at general youth statistics. Per the Federal Deposit Insurance Corporation (FDIC) 2021 Survey of Unbanked and Underbanked Households, the age group 15-24 is on par with the national average of 5.8% unbanked down from a high of 10% in 2017. One thing to note, is that FDIC tracks this data by "household," so this isn't representative of all youth, but rather youth who are heads of household. Therefore, it is fair to assume they are much more likely to be banked than the general youth population. With that in mind, in terms of the unbanked percentage of homeless youth in Miami, given the mailing address and ID requirements of banks and credit unions, it is safe to assume that very few, if any homeless youth, are banked. Miami Bridge has confirmed this statistic as 100% of their youth is unbanked. Programming Proposal Current Programming Efforts* Please describe the current efforts of your organization to engage the targeted at -risk youth population. Summer Jobs Connect: Innovative Banking to Support Printed On: 17 January 2023 At -Risk Youth RFP Lillian Blondet City of Miami In 2014, The City of Miami was chosen to be part of a national eight city Summer Jobs Connect initiative funded by the Citi Foundation and the Cities for Financial Empowerment (CFE) Fund. Since Summer Jobs Connect Miami (SJC-Miami) began, the City has been able to provide this opportunity to 1,631 youth from the City's most disadvantaged neighborhoods. The focus of SJC-Miami has been on hiring low/moderate income disadvantaged youth and engaging them in financial empowerment & education. Low -to -Moderate Income (LMI) means any census tract (or equivalent geographic area defined by the Bureau of the Census) in which at least 50% of households have an income less than 60 percent of the Area Median Gross Income (AMGI), or which has a poverty rate of at least 25%. The target group is students 16-19 years from area census tracts with 51% LMI. From this LMI population, the SJC-Miami program has identified approximately 5 homeless youth in the program since its inception. For SJC-Miami participation, the City goes directly to local high schools in high LMI census tract areas, but does not necessarily target homeless youth, nor do we ask participating students to identify their housing status. The Miami Youth Start Up project is a pilot expansion of SJC-Miami. It will be the first program of its kind in Miami, where the focus is solely on homeless youth, ages 14-17. Through its Human Services Department, the City of Miami has a Homeless Assistance division that offers services to the unhoused youth, families, and individual adults. Homeless Assistance provides homeless individuals aid by offering placement into appropriate housing and/or shelter. The program provides outreach, assessment, placement, information, referral and transportation services to homeless individuals and families. The program also employs and trains formerly homeless men and women. The City of Miami also runs The Lazarus Project, which began in August 2014 and was designed to provide much needed medical and behavioral healthcare to those still being homeless. The Lazarus Project engages, assesses, and administers medical treatment, including medication observation for previously prescribed psychotropic medications - on the street. The Project also monitors patient progress with a goal of stabilization for engagement and placement into housing. The Lazarus Project began as an innovative collaboration with various homeless assistance agencies such as: Camillus House, Miami -Dade County Homeless Trust; Miami Coalition for the Homeless; and a partnership with Jackson Behavioral Health Hospital that provides a Case Manager/ Housing Navigator and other health services to adults, including unhoused persons, with mental illness (MI) or co-occurring mental illness and substance abuse disorders (CMISAs) who are at a high risk of recidivism. Proposed Programming Plan* How do you plan to engage your targeted at -risk youth population with banking access and financial empowerment services? (Ex. technology, in -person programming, peer supports, etc.). Does your program offer a track that engages specifically with this population? The Summer Jobs Connect Miami (SJC-Miami) program has been a success since its inception in 2014. SJC- Miami offers a distinctive and unique experience to Miami's disadvantaged youth 16 to 19 years old to earn money, gain valuable skills and understand how they should take care of their financial future. The program impact is tangible, life -changing and provides a path to economic self-sufficiency. In its nine (9) years, SJC- Miami has employed 1,631 youth resulting in 385,904 hours worked, $3.7 million in wages, 1,344 new bank accounts opened and savings in excess of $843,316. Most summer employment programs (private and public entities) provide work opportunities to youth 16 years or older, thus leaving a void for younger youth that is too old for summer camps and too young to work. Furthermore, research shows that many youths are ill -prepared to manage their earnings, especially low - Summer Jobs Connect: Innovative Banking to Support Printed On: 17 January 2023 At -Risk Youth RFP 6 Lillian Blondet City of Miami income youth. Results from the 2015 OECD PISA survey concluded that "financial literacy performance is strongly correlated with performance in mathematics and reading". The study also points out that many young people face financial decisions and are consumers of financial services, as a result, financial literacy is now globally recognized as an essential life skill. Our experience with SJC-Miami has also taught us that the younger program participants lack the basic knowledge and abilities to join the real -world workforce. While SJC-Miami has targeted its reach to youths from LMI neighborhoods, it has never specifically outreached to unhoused teens. Thus far, SJC-Miami has only identified up to 5 homeless youth participating in its program since it began. SJC-Miami does not ask for the housing status of its participants, and therefore outreach and integration has never been specific to this at -risk population. Therefore, the Miami Youth Start Up project will use this funding as an opportunity to exclusively outreach to homeless youth, ages 14-17 years, and educate them on the fundamentals of banking, financial literacy, and entrepreneurship skills to prepare them to join the "future -ready workforce." The City of Miami will partner with Miami Bridge Youth & Family Services, Inc. (Miami Bridge) for the Miami Youth Start Up project to serve homeless youth. Miami Bridge offers a myriad of services for families and youth in crisis-- among them is Emergency Shelter care. Miami Bridge's residential services provides respite shelter. When youth run away from family situations characterized by abuse, neglect, or domestic violence, Miami Bridge's Emergency Shelter provides a safe environment. When the child welfare system has no appropriate community -based homes available to provide domicile for dependent adolescents, the shelter nurtures and provides essential services to unhoused adolescents up to 17 years of age. The SJC-Miami Program Manager will oversee Miami Youth Start Up and be responsible for all grant contract award requirements being satisfied and have the support of the City of Miami Office of Grants Administration staff . The Program Manager will communicate with the Miami Bridge Executive Director to coordinate services. The Miami Youth Start Up project proposes to activate youth's entrepreneurial mindset and build start-up skills to create a business and boost career -readiness opportunities. The project will utilize the Network for Teaching Entrepreneurship (NFTE) evidenced -based curriculum or similar AND the SFJ-Miami financial literacy and money management curriculum called Youth Banking 101. By the end of the project period, participants will learn how to think like an entrepreneur, test ideas, build a competitive edge, create a successful marketing plan, make a profit and learn essential money management skills. The goal of the program will be to foster talent to drive their desire for innovation and financial success; and ensure that youth participants become banked and, if possible, have their first direct deposit. Miami Bridge will provide classroom and computer facilities for this 4-week program which will take place in Summer 2023. Classes will be Monday -Friday, from 8:30am-3:30pm. We estimate program participation of up to 25 homeless youth. Having Miami Youth Start Up on -site at Miami Bridge will make it much easier for these youth to attend since this eliminates transportation barriers to an off -site location. Miami Bridge will also provide breakfast and lunch to each of the 25-youth participating in the project. NFTE and Youth Banking 101 courses will be taught by one Miami Bridge teacher and one teaching assistant trained on both curricula. Per Miami Bridge's policy, there must always be two teachers/adults present to guide and supervise group activities. To leverage resources SJC-Miami will provide a youth Financial Ambassador who has completed the Youth Banking 101 Curriculum to assist the Miami Bridge teaching staff with providing the financial education instruction component of the project. Furthermore, by training Miami Bridge staff on the program curriculum, they will be able to educate other youth once the summer program concludes and will understand the process for opening bank accounts for the homeless youth. By the end of the program, Miami Youth Start Up participants will have created a business plan for their small business. Therefore, Miami Youth Start Up will offer a stipend to each unhoused youth, in the total of $1,680.00, to support their small business start-up. The stipend will provide youth with modest seed money for their start-up; AND the opportunity to apply the financial literacy and money management skills they learned from the program in the real world. The stipend will only be given to students who complete the 4- week program, open a bank account, and pass our partner credit union's budget quiz. To encourage healthy competition, the Top 4 business plans will receive incentives of up to $500 at the end of the program. Summer Jobs Connect: Innovative Banking to Support Printed On: 17 January 2023 At -Risk Youth RFP 7 Lillian Blondet City of Miami Our financial institution partner, Dade County Federal Credit Union (DCFC), will make an on -site visit (Bank Opening Day) at Miami Bridge to teach youth how to open a DCFC bank account online. At the end of the program, DCFC will also offer one of their branches for a full -day field trip experience, where our youth will be taught by bank personnel how to use an ATM and deposit their stipend check into their account at the teller line. The credit union will also provide youth participants with a information on how to use DCFC bank account features and credit union resources, so they can navigate their account once the program concludes. This also includes a basic budgeting quiz through the credit union's financial wellness platform GreenPath. Youth will then earn their free debit card and a certification of completion in financial education. Please describe how your integration plan is an innovative banking strategy for the Summer Jobs Connect program. What unique programming do you plan to implement?* Miami's current tech and innovation ecosystem will require youth to have job readiness skills as well as digital capabilities to ensure future success. Currently, there is no program in the City of Miami or Miami - Dade, providing the opportunity to homeless youth 14 and 17 years old to learn these skills and join Miami's "future -ready workforce". As an expansion of SJC-Miami, Miami Youth Start Up is innovative because it will be the only program in the County that solely focuses on banking homeless youth and teaching them the fundamentals of financial literacy, money management and entrepreneurship, so they will be better prepared for Miami's fast -changing workforce landscape. The goal is for our youth to leave the program with real world skills & knowledge AND have the know-how to manage their money, to put them on a path to financial independence and stability. The City of Miami also sees this as an opportunity to learn more about the needs of homeless youth and identify how we can better serve them with other future programming. Our partner, Miami Bridge, has attempted to have their homeless youth obtain bank accounts, but unfortunately have not found success doing so. This collaboration will offer a symbiotic interchange between the City and Miami Bridge. Miami Youth Start Up's 4-week program will be a combination of NFTE courses or comparable curriculum; and financial education utilized by SJC-Miami called Youth Banking 101. NFTE-based curriculum will focus students on the entrepreneurship and business principles that launch great ideas into a successful business solution. In this course, participants will also be introduced to Lean Canvas. Lean Canvas is a business plan model that helps deconstruct ideas into its key assumptions, replacing elaborate business plans with a single page business model. Miami Start Up youth will graduate from the program with an understanding of core business and operation knowledge as well as business communication and presentation skills that are transferable to both their post -secondary experiences and professional careers. Miami Start Up Youth will have acquired the following knowledge by the end of the 4- weeks: • Testing an Opportunity: Youth will learn the framework for the specific research that an entrepreneur must complete to ensure their business provides value to their customer segment. • Building a Competitive Edge: Youth will learn how to identify and define the "unfair advantage" for their business that would make a customer choose them over the competition. • Creating Your Biggest Fans: Youth will create a marketing plan, brand identity and key metrics to measure the success of their promotional channels. • Making a Profit: Our youth will be taught basic business finance to have a high-level understanding of cost structure and revenue streams. • Fast Pitch Challenge: Youth will have to complete their lean business canvas to develop a presentation of their business plan idea and work on their public speaking skills. The Youth Banking 101 curriculum will cement the Benefits of Banking in the minds of our students. The financial education curriculum will be taught onsite through the Empower app or the computer -based model of Empower. The Youth Banking 101 curriculum will provide the youth with the basic skills needed to Summer Jobs Connect: Innovative Banking to Support Printed On: 17 January 2023 At -Risk Youth RFP 8 Lillian Blondet City of Miami understand, use, and maintain a bank account. Participants will take a quiz after each lesson and require a passing score before moving on to the next lesson. The curriculum includes the following: • Benefits of Being Banked 101 • America Saves Pledge • Budgeting • Saving • Wants VS Needs • Managing A Bank Account 101 Youth will also get bank account management instruction from Dade Federal Credit Union (DFCU). The credit union will give on -hands instruction to our youth so they can manage their bank account by maximizing account benefits/features and understanding DFCU policies and resources. Youth will be instructed by DFCU representative on every facet of being a member of their credit union, including using the DFCU mobile banking app; how to use their GreenPath financial wellness platform; how to navigate essential DFCU resource tools such as bill pay and reporting a stolen/lost debit card; and a financial education certification of completion for passing DFCU's GreenPath Budgeting Basics Course. These are all basic bank account features applicable to all banking institutions. Considering the systemic barriers facing homeless youth, Miami Youth Start Up will also provide wrap- around services from the City of Miami and Dade County Federal Credit Union to our participants. We recognize that employment and a steady paycheck is fundamental to ensure that a bank account does not become dormant. Providing employment opportunities and continuance financial counseling to these at -risk youth is the only avenue to financial independence. Therefore, the City will identify which of its participants qualify for the Summer Jobs Connect Miami program, which they will be able to join after completing Miami Youth Start Up. Additionally, youth who are aging out of the Miami Bridge shelter, will also be routed to the City's Opportunity Center. The Opportunity Center connects ready, willing, and able job seekers with local job opportunities and employment resources through our newest hiring platform. Lastly, The Dade County Federal Credit Union has also committed to providing these at -risk youth with a teller internship and certification that would lead them to employment opportunities in the financial sector. Having a permanent job would allow them to continue to have revolving direct deposit funds that can lead to long banking relationships with the credit union or other banks. Miami Youth Start Up is a comprehensive approach to level the playing field for unhoused youth. Program Touchpoints Grid* Please use the Program Touchpoints Grid to demonstrate how your organization would incorporate the Three Steps of Banking into your program's touchpoints to engage your targeted at -risk youth population. Download the Program Touchpoints grid by clicking the link above. Final Innovation Fund Touchpoint Grid_City of Miami.xlsx Programming Funnel How many individuals do you estimate would be served at each of the Three Steps of Banking Access? Please clarify if all participants would be exposed to the various Steps of Banking, or if there would be a "funnel" at each step. How many individuals do you estimate will be served with the Benefits of Banking Financial Education? Summer Jobs Connect: Innovative Banking to Support Printed On: 17 January 2023 At -Risk Youth RFP Lillian Blondet City of Miami 25 How many individuals do you estimate will be served with the Account Opening opportunity? 25 How many individuals do you estimate will be served with the Direct Deposit enrollment opportunity? 0 Why do you believe these activities will generate your intended outcomes? The partnerships with Miami Bridge and Dade County Federal Credit Union will be critical to achieving the intended outcomes of 25 homeless youth 1) receiving Benefits of Banking Financial Education; 2) opening a bank account; 3) deposit enrollment; and 4) building a long-term relationship between Miami Bridge and the banking institution. Since the SJC-Miami program does not have prior experience specifically outreaching to homeless youth, Miami Bridge serves a vital resource to reach out to this at -risk group. By having Miami Youth Start Up on -site at Miami Bridge, the City is afforded the unique opportunity to meet these youth where they reside. Secondly, having Miami Bridge educators as teachers in Miami Youth Start Up will also inspire trust among Miami Bridge shelter youth, as they will be guided in this 4-week program by familiar faces. These aspects of the partnership will go a long way in helping with homeless youth outreach, sign-ups, and retention in this 4- week program. Miami Youth Start Up will facilitate obtaining outcomes with the following activities: Benefits of Banking Financial Education outcome: • In addition to the NFTE curriculum, youth participants will be taught Youth Banking 101 curriculum, which includes Benefits of Banking Financial Education aka Benefits of Being Banked 101. Account Opening Opportunity Outcome: • The City and Miami Bridge will work together to identify youth who do not have the required identification documents to open a bank account and assist them with obtaining their IDs. Dade County Federal Credit Union can be a subject matter expert to alert us to any other barriers to opening an account that we may have to take into consideration. Once these youths are identified, Miami Bridge will contact their relatives to assist the youth in obtaining the necessary documentation to help them get a state ID. Miami Bridge will transport the identified youth who don't have a state ID to the Florida DMV, where the youth will receive the necessary assistance to obtain a state ID. • The Miami Youth Business Start -Up Program will make bank opening accessible to all the youth participants by having a Bank Opening Day. On Bank Opening Day, the Dade County Federal Credit Union will come to Miami Bridge to give each youth personalized attention and assist them in opening their first bank account. Deposit Enrollment Outcome Summer Jobs Connect: Innovative Banking to Support Printed On: 17 January 2023 At -Risk Youth RFP 10 Lillian Blondet City of Miami • Upon participating in Miami Youth Business Start -Up, the youth will receive a stipend in the total of $1,680.00, to support their small business start-up. When the youth receive their check stipend, the youth will deposit the funds personally at the teller line at the Dade County Federal Credit Union on the day of their field trip to the credit union branch. On the day of the field trip the youth will receive personalized attention from the staff at the DCFCU to ensure their first-time banking experience is a learning and pleasant experience. • Wrap around employment services provided by the City of Miami and DCFCU will give Miami Youth Start up participants the opportunity to find permanent employment. Having a permanent job will allow these youth to have the opportunity for revolving direct deposit funds that can lead to long banking relationships with the credit union. Partnership Relationship Outcome • Miami Youth Start Up is launching a relationship that currently is not present in City of Miami or Miami - Dade County, between an organization that offers youth homeless services and a financial institution. Specifically, with the mission of getting homeless youth banked, and helping them overcome the barriers to obtaining a bank account. This project offers a springboard for a continuing relationship and future innovations as project partners learn and develop best practices for helping this at -risk group. Programming Challenges* Identify any potential challenges in implementing this program and proposed solutions to address them. Two potential challenges were identified when discussing the project with our partner, Miami Bridge. 1) There is a possibility some of the youth in the program may drop off if their parents or legal guardians ask for their child to be discharged from Miami Bridge. However, youth will be encouraged to continue attending the program if the parents/legal guardians can facilitate transportation. 2) Homeless youth living onsite at the Miami Bridge shelter are required to have State ID, School ID and/or a birth certificate. Some of the youth in crisis may not be from Florida, therefore Miami Bridge investigates and tracks down information on behalf of the youth to locate required documents necessary to obtain a state issued ID. The work and fees associated with obtaining required identification is costly, therefore grant funding will be used to assist Miami Bridge with getting IDs for Miami Youth Startup participants. City of Miami will work with Miami Bridge to make sure any IDs obtained will meet the bank account requirements of the Dade County Federal Credit Union— our partner financial institution for this program. Financial Institution Partnership Financial Institution Partnership Information* Does your program have any existing relationships with local financial institutions offering sole -ownership banking accounts that meet the Youth Account Priorities? If so, please fill out the financial institution account information template. If not, please indicate any financial institution partners you have identified as potential partners below. Financial Institution Partner Account Terms_FINAL.xlsx Summer Jobs Connect: Innovative Banking to Support Printed On: 17 January 2023 At -Risk Youth RFP 11 Lillian Blondet City of Miami Dade County Federal Credit Union is the financial institution partner for this project. The financial institution account information template is uploaded for this application. This financial institution currently offers a bank account for youth as young as 14 years that does not require a co-signer. If possible, please provide a letter of support outlining the financial institution(s) interest in partnering on engaging this specific population of youth. Letter of Support_Financial Institution Partner.pdf Additional Population Considerations* What additional considerations would the financial institution need to make for this population of youth? (ID requirements, language access, permanent address challenges, etc.) In terms of permanent address requirements , homeless youth at Miami Bridge can stay in the Emergency shelter if they are 14-17 years of age but are discharged from the shelter when they turn 18 years old. However, the youth are able to keep the address at Miami Bridge even after they are discharged from the shelter as they can continue to utilize the services and work with a case manager. Case Managers follow the youth and their progression after they leave the shelter. As far as ID challenges, Miami Bridge already equips staff to help youth obtain government -issued IDs. The City and Miami Bridge will work together to identify anyone in Miami Youth Start Up who does not have proper identification. The goal is to have this completed for our youth before Banking Day. City of Miami has a large immigrant population where many residents speak a second -language, primarily Spanish or Haitian Creole. To overcome language access barriers, necessary assistance will be provided to all youth in the case of obtaining the documentation needed to open a bank account. The DCFC will make accommodations to provide the best personal assistance to all youth beyond any language barrier to ensure they are able to open a bank account. If financial institutions need to make changes to the account or opening process in order to successfully partner with you, what is the time frame in which you expect that to happen? In discussing the project with Dade County Federal Credit Union, no changes are anticipated to their Gen -You Savings and Checking Account. Proposal Budget Budget Request* What is the total amount of the proposal budget requested? (Note: we expect a budget of no more than $70,000. These funds are to be used for banking access only and cannot be used to fund job slots for youth.) $70,000.00 Summer Jobs Connect: Innovative Banking to Support Printed On: 17 January 2023 At -Risk Youth RFP 12 Lillian Blondet City of Miami Please use the budget proposal template to submit a budget of no more than $70,000. These funds are to be used for banking access only and cannot be used to fund job slots for youth. Budget Proposal_Innovative Banking to Support At -Risk Youth_City of Miami.xlsx Please calculate and list the total budget proposed against: 1) the proposed total number of accounts opened, and 2) the proposed total number of direct deposits initiated. Please justify the cost per successful outcome. * Proposed total number of accounts opened is 25 accounts for all 25 youth participants. The price of this outcome is $70,000 project cost /25 youth = $2,800 per account opened. Miami Youth Start Up was conceived to make sure our homeless youth will keep their bank accounts active after the program concluded. The cost per account is representative of a comprehensive approach to providing support and resources that facilitates having a bank account for youth who are severely limited in money and opportunities. Miami Youth Start Up will provide the following deliverables for each student: 1. Each youth will be banked and have a relationship with the credit union. 2. By solving ID and permanent address challenges that come with opening an account, we are also solving these same challenges they may find when applying for a job. 3. Money management and entrepreneurial training, so that our youth will have a knowledge base in which they can independently provide for themselves and handle money wisely. 4. A stipend and Business Plan Competition that realistically supports our homeless youth investing in creating a tangible business plan and keeping their bank accounts active. 5. Wrap -around services from the City of Miami and Dade County Federal Credit Union. This is especially important for 16-17-year-old youth who will be discharged from Miami Bridge once they turn 18 years old. Miami Youth Start Up can be used as a "feeder system" to get these youth with job opportunities in the Summer Jobs Connect, the City's Opportunity Center and DCFCU's teller internship program. Employment is also needed to keep direct deposits active. Budget Narrative* Please provide a budget narrative that outlines each budget line, any key assumptions, and indicate the duration of your proposal (Summer 2023 or Summers 2023 and 2024). The Miami Youth Start Up project is a 4-week program that will take place in Summer 2023. Program days and hours are Monday -Friday, 8:30am-3:30pm. The project will take place at Miami Bridge, a non-profit that serves homeless families and youths. Miami Bridge on average will have up to 40 homeless youth living at their facility at any given time. However, this is a highly transient population, so we anticipate having up to 25 homeless youth from Miami Bridge participating in Miami Youth Start Up. 1. Youth Bank Accounts Opened ($150) 25 accounts x $6.00 new account fee = $150 Gen -You checking & savings accounts for 25 homeless youth. This youth account from Dade County Federal Credit Union is designed to give teenagers between the ages of 14-17 the ability to establish good money habits without a parent or legal guardian. 2. Youth Business Start Up Stipend ($42,000) 25 youth x $1,680 each = $42,000 Summer Jobs Connect: Innovative Banking to Support Printed On: 17 January 2023 At -Risk Youth RFP 13 Lillian Blondet City of Miami Youth will receive a total stipend of $1,680 upon completing the 4-weeks of the program. We are making a key assumption that the homeless youth in this program are more financially vulnerable than typical SJC- Miami program participants. SJC-Miami considered that Miami Bridge homeless teens may not see the value or feasibility of Miami Youth Start Up if they do not have actual money to manage in their new bank accounts, nor a tangible way to even think of beginning their business idea. 3. Start Up Business Plan Competition ($2,000) Top 4 business plans will receive up to $500 = $2,000 The program will have a competition among the 25 youth to select the Top 4 Business Plans created. By presenting their ideas as part of a business plan competition, youth will also gain experience practicing their public -speaking skills. 4. NFTE Curriculum ($5,000) 1 NFTE curriculum x $5,000.00 = $5,000 The cost of the Network for Teaching Entrepreneurship curriculum is per site location where instruction is given. This includes a Summer License for NFTE Summer Curriculum and NFTE Assessment pre and post program, and instructional support. NFTE will provide consulting to certified teachers on structuring syllabi and programmatic elements as well as on -site support to assess classroom needs. 5. NFTE Curriculum Train the Trainer Teacher Training ($1,500) 1 Teacher x $1500 each = $1,500 This training will certify one (1) Teacher in the NFTE curriculum to serve up to 25 youth for 120 hours of instruction. This is an 8-hour Train the Trainer instruction. The Miami Bridge teacher selected to receive instruction will have the knowledge to teach the NFTE curriculum to our youth and also to train the Teacher's Assistant who will be there to help them with the students. 6. Miami Bridge Teacher ($7,200) (1 x $40/hr. x 45hrs x 4 wks. = $7,200) The Teacher will be from Miami Bridge's faculty staff. Key assumption is that having a teacher familiar working with homeless youth will provide more culturally competent instruction. 7. Miami Bridge Teacher Assistant ($3,200) 1 x $20/hr. x $40hrs x 4wks = $3,200 Miami Bridge policy is that group events, including classes, have at a minimum two Miami Bridge staff present depending on group size. Also, if the Teacher cannot make a session for any reason, the TA will be able to continue the lessons. 8. Government -Issued IDs ($625) 25 x $25 per ID = $625 Per Miami Bridge, a majority, if not all participants may not have the required ID to open a bank account. Miami Bridge also encounters youth who were previously from out of state, and sometimes must contact out- of-state agencies to get information for the IDs, which may come with an additional cost. 9. Classroom Supplies ($750) 25 x $30per youth = $750 Estimated cost per student to cover cost of 3-ring binders, notebook dividers, pencils/pens, erasers, pencil sharpeners, attention buzzers, etc. 10. Program Supplies ($1,665) 1 X $1,665 = $1,665 Estimated overall cost for Miami Start Up Youth logo creation and uniforms for 25 youths and 2 Teachers. 11. Field Trip Off -site Lunch ($750) Summer Jobs Connect: Innovative Banking to Support Printed On: 17 January 2023 At -Risk Youth RFP 14 Lillian Blondet City of Miami 25 x $30 per youth To cover off -site lunch cost for youth during field trip to Dade County Federal Credit Union. 12. Field Trip Transportation ($160) (2 x $80) Miami Bridge will supply 1-2 vans for a field trip to Dade County Federal Credit Union. Estimated gas cost for transportation each way is $80. 13. Program Food Cost ($5,000) 25 youth x $50wk x 4wks = $5,000 For Miami Bridge to provide on -site breakfast and lunch to 25 youth, Monday -Friday over a 4-week period. Supporting Materials If your organization is not a government entity, please provide proof of your organization's or your fiscal sponsor's 501(c)(3) IRS or government tax-exempt status. If you intend on utilizing a fiscal sponsor to receive grant funds, please upload their most recent annual report or similar document. If you intend on utilizing a fiscal sponsor to receive grant funds, please upload their most recent audited financial statements. If your organization is not a government entity, or intends to use a fiscal sponsor, please upload a list of the organization's board of directors and senior staff members. Summer Jobs Connect: Innovative Banking to Support Printed On: 17 January 2023 At -Risk Youth RFP 15 Lillian Blondet City of Miami File Attachment Summary Applicant File Uploads • Final Innovation Fund Touchpoint Grid_City of Miami.xlsx • Financial Institution Partner Account Terms_FINAL.xlsx • Letter of Support_Financial Institution Partner.pdf • Budget Proposal_Innovative Banking to Support At -Risk Youth_City of Miami.xlsx Summer Jobs Connect: Innovative Banking to Support Printed On: 17 January 2023 At -Risk Youth RFP 16 Summer Jobs Connect: Innovative Banking to Support At -Risk Youth Program Touchpoints nemiccem ecriemcee .., is Malistn...tly Financial institution Location When did Me partnership begin? account ,-- . Accou c ?Wm n-custodal Limier no ^"'"'"`" - nortuntodlal posh '.11-5,cfls,clieFelvte,Fii : -Mbraul., panache insured Deposits .... ., .. Screening for consumers under 18 Now Account Screenlas for consumers 18 and over Alternative . 1 l Asollobillty of remote account openings (at program slte or online) other notes Dade County Federal Credn Umon ' ..... 2 Rank Brmcbs 3 Onste 2020 Gen -You Account say. .a g Checlungs Non-Cusco...1,count la touch,. 1 Sb 00 butd from the SIC-Manu Program_ $.5 00 gces towards the Es, ace°. and '.....Y. " fi..0,,,n the accowt 8.6 00 are rembursed to all program p.c.,. un.r the Summer Sobs Connect umbrella None $5 00 No Overdeft Fees N,A Free m-netword and See all PubrucATMs NCUA Chexsystems Only Chmems. Efunds and Credlt State Id Ifstate II) cant be provideelattbe time ofacco. or.emng School ID or PasPon lull be aecpeted and You... be gven 7 daP to oPtm ta. ID to complete bank open,. 100, Dade County Federal Credlt Umon inll fialltate par..M....1 open, tlxtr first bank aaount at the nalm Bridge shelter Youth parhapants .1,11. a fteld trip to the Dade County ...Cr.. Umon branch to provide the youth .11 hands-m expaimee m usmg an ATM and deposkmg.nds m the.- weakly... teller lme The Dade County Federal Cr.. Umon wIll provide all youth parhapants with bas. hvigeting gum trough they fume. velNess platrom Greenradunth a passIng score, the youth can earn they free detnt card and a cerafieahon of complehon m rmanetal ...Ion Serving our community since 1939 Cities for Financial Empowerment Fund 44 Wall Street, Suite 1050 New York, NY 10005 Dear Cities for Financial Empowerment Fund: On behalf of the Dade County Federal Credit Union, this letter of support establishes our partnership with the City of Miam in service of the Miami Youth Start Up project. Since our founding in 1939, Dade County Federal Credit Union's purpose has been to offer financial independence and security to Dade County employees. We know all too well the importance of financial literacy in order for people to make the right financial decisions for themselves and their families. At Dade County Federal Credit Union, our members, always have and always will, come first. This commitment to serving our community will extend to the participants in the Miami Youth Start Up project. Dade County Federal Credit Union commends the City of Miami for focusing this project to assist homeless adolescents, ages 14-17, on obtaining financial literacy, learning entrepreneurship skills, and assisting them with opening up their first credit union account. This diversified knowledgebase will give these children the tools they need to succeed and hopefully put them on the path to stability and a better quality of life. Dade County Federal Credit Union is an enthusiastic partner in this endeavor and will collaborate with the City of Miami to work with this unbanked, and often neglected population. As a financial institution partner, Dade Federal Credit Union will offer one of its branches for an on -site field trip, where our staff of professionals, will teach Miami Start Up youth how to open an account at our credit union and advise on how to best manage their account. We will also offer guidance to City of Miami on the resources they will need to provide to their homeless youth, in order to overcome any potential challenges to opening a bank account. We look forward to collaborating with the City of Miami and Cities for Financial Empowerment Fund, and hope that you strongly consider the Miami Youth Start Up project for funding. Sincerely, } Paola Chigne Vice President of Marketing and Youth Development Jessica Vasquez Assistant Marketing Manager DADE COUNTY FEDERAL CREDIT UNION 1500 N.W. 107th Avenue, Miami, FL 33172 • Phone (305) 471-5080 • Fax (305) 392-2597 0 Cities for FINANCIAL EMPOWERMENT Fund SUMMER JOBS CONNECT: Innovative Banking to Support At -Risk Youth ***please complete all sections h/ghOghted /n yellow" City Name: City of Miami Budget Year FY 2023 Amount Budgeted: $70,000 Innovative Banking to Support At -Risk Youth Funding Proposal Amount Youth Bank Accounts Opened (25 accounts x $6ea new account fee = $150) $150.00 Youth Business Start -Up Stipend (25 youth x $1,680.00 ea = $42,000) $42,000.00 Start Up Business Plan Competition (Group of the 4 top bussiness plan $500.00 each team member). $2,000.00 NFTE Curriculum (1 x $5,000ea = $5,000) $5,000.00 NFTE Curriculum Train the Trainer Teacher Training (1 x $1,500 ea = $1,500) $1,500.00 Miami Bridge Teacher for 25 youths (1 x $40/hr x 45hrs x 4 wks = $7,200) $7,200.00 Miami Bridge Teacher Assistant (1 x $20/hr x $40hrs x 4wks = $3,200) $3,200.00 Government -Issued IDs (25 x $25 per ID = $625) $625.00 Classroom Supplies (25 x $30per student) $750.00 Program Supplies (1 x $1,665 = $1,665) $1,665.00 Field Trip Off -site Lunch cost(25 x $30 per student) $750.00 Field TripTransportation (2x $80 ea way = $160) $160.00 Program Food cost for 4-wk period (25 youth x $50wk x 4wks = $5,000) $5,000.00 TOTAL PROPOSAL $70,000.00 Exhibit B Scope of Work 1. Banking Access and Financial Empowerment Programming The CFE Fund will provide the City of Miami with $50,000 of funding to create a comprehensive banking access integration and deliver financial empowerment programming targeting homeless youth connected to the Summer Jobs Connect Miami Program. This work should be connected to but separate from the existing banking access and financial empowerment programming that supports the general Summer Jobs Connect Miami Program population. In 2023, the Grantee will plan and pilot banking access integration and financial empowerment programming for homeless youth by completing the tasks set forth in Exhibit C ("Banking Access and Financial Empowerment"). The Grantee will collaborate with the CFE Fund on developing a plan for full implementation of the programming, and, upon receiving approval from the CFE Fund, put the plan in place in 2024. The Grantee will regularly update the CFE Fund about proposed changes to the program structure and will additionally document program design in the interim and final reports. The Grantee will provide homeless youth participants with access to solely -owned bank and credit union accounts that meet the CFE Fund's Summer Jobs Connect Youth Account Priorities (Exhibit F — "Summer Jobs Connect Youth Account Priorities: Sole Ownership Accounts for Minors"). The Grantee will provide homeless youth participants with the ability to receive paychecks and stipends through direct deposit, and help youth navigate the direct deposit registration process. 2. Evaluation The Grantee must identify, track, and report on financial empowerment programming funded by the CFE Fund. The Grantee and its vendors will also document progress towards the outcomes as structured in Exhibit E ("Reporting"). 3. Learning Community The Grantee will attend the CFE Fund's Summer Jobs Connect Convening in fall 2023 and at least one program convening during 2024. The setting of Summer Jobs Connect convenings will be determined by public health guidance. The Grantee will also attend virtual learning community events throughout the grant term to facilitate sharing of program ideas. The Grantee will be expected to share lessons learned with the larger Summer Jobs Connect learning community, which likely will include writing a white paper, presenting at a learning community convening, and providing technical assistance to other Summer Jobs Connect partners. The CFE Fund reserves the right to hold monthly, one-on-one check -in calls with the Grantee. CFE FUND GRANT AGREEMENT EXHIBIT B 15 4. Media and Public Relations The Grantee will document the success of the program, focusing on financial empowerment achievements, throughout the year to communicate the progress and impact of SJC. To do so, the CFE Fund will compile data and stories from all cities participating in the Summer Jobs Connect program. To prepare for both planned and ad hoc communication opportunities, the Grantee will be expected to prepare and provide content to the CFE Fund that includes, but is not limited to: A. Social media campaign: The CFE Fund will execute the national SJC Social Media campaign throughout Summer 2023 and 2024. The CFE Fund will provide partners with custom social media kits, a social media strategy guide, and flyers with each weekly prompt for the campaign. Partner participation in the campaign includes but is not limited to: • City Partner Engagement in SJC Social Media Outreach: Cities and program partners will be asked to post content; to tweet regularly, and if partners also have Instagram, they can use that channel as well. The CFE Fund will provide a social media calendar with sample tweets, but partners should also be prepared to create and post original content. All posts should use the #SummerJobsConnect hashtag. • SJC Participant Engagement in National SJC Social Media Campaign: Throughout the summer, the CFE Fund will run weekly prompts, including incentivized contests, where youth will be rewarded for sharing what SJC success has meant to them over Twitter and Instagram. City partners are responsible for disseminating CFE Fund information about these contests and regularly encouraging participation in contests; city partners should also ensure that participants understand contests guidelines and requirements. City partners may choose to identify a cohort of Ambassadors who are encouraged to share social media content regularly, both for CFE Fund contests and independently. B. Communications and Press: The Grantee is expected to participate in and include the CFE Fund and Citi Foundation in all relevant communications and marketing opportunities, including but not limited to press releases, grant announcements, social media posts, launch events, or other program related events where press will be present and/or program funders will be recognized. o Logos and Collateral Material: Please add the CFE Fund and Citi Foundation logos liberally to materials — mockups or drafts of logo usage should be sent to Katie Plat (kplat@cfefund.org) for approval. CFE FUND GRANT AGREEMENT EXHIBIT B 16 Exhibit C Banking Access and Financial Empowerment The Grantee will employ the Summer Jobs Connect Logic Model to plan and pilot banking access integration and financial empowerment programming targeting homeless youth connected to the Summer Jobs Connect Miami Program. SUMMER JOBS CONNECT: LOGIC MODEL Designing a pr PLANNING PHASE gram integration and building required infrastructure. MPtlfs A paid Summer Youth Employment Program A program team committed to financial empowerment and banking access The ability to pay pamcipants via direct deposit Eight l0 twelve months 10r program design, building partnerships, and training staff Planning Activities Confirm the program population i5 substantially unbanked Identify the program touchp0mts, brainstorm how they can be utilized for financial empowerment efforts Examine the program payroll process and identify opportunities for direct deposit registration Build relationships with local financial institutions and negotiate accounts that meet the SJC Youth Account Priorities Identify implementation partnerships and determine partner roles Develop a plan for communicating new financial empowerment opportunities to participants Examine pay card terms, consider re.negotiating terms/ lees Planning Outputs Implementation Inputs A plan for integrating banking access Training plans and materials for program staff and participants Commuted financial institution partner(5) offering accounts that meet the SJC Youm Account Priorities Outreach materials produced and ready for distribution A clear process for direct deposit registration A data collection plan in place (data snaring, measuring outcomes) Improved pay card terms as an alternative to direct deposit IMPLEMENTATION PHASE Operating your banking integration at scale. Implementation Activities Provide program staff with financial empowerment training Educate participants on the benefits o1 banking: • Build into appllcation & enrollment processes • Build into orientation curriculum • Train financial empowerment trainers • Offer online resources Help unbanked participants open appropriate accounts! • Invite financial institution to program touchpolnts • Program staff facilitate account opening process Enroll participants in direct depose • Youth provide account information to program staff • Youth have access to a self. registration portal • Financial institutions proulde account information to payroll Distribute sale/cost elllcienl pay cards Outputs High % of program staff are trained on financial empowerment High % paniclpanls have received training on the benefits of banking High %of paticipants nave opened youtRlnen0ly transactional accounts Low % of participants report difficulties with opening accounts and registering for direct deposit High % of pamapants register for direct deposit Outcomes Youth understand the benefits of banking and direct deposit Youth intend to continue using their accounts Financial empowerment and banking access are embedded in program structure Program partners commit 10 building integrations in future program years The Grantee will propose a separate banking access integration and financial empowerment plan for targeting homeless youth connected to the 2024 Summer Jobs Connect Miami Program. The 2024 banking access integration and financial empowerment program plan is subject to the CFE Fund's approval. CFE FUND GRANT AGREEMENT EXHIBIT D 17 Exhibit D Grantee Budget The CFE Fund will provide $50,000 to support the Grantee's efforts to integrate banking access and financial empowerment targeting homeless youth in the 2023 and 2024 City of Miami's Summer Jobs Connect Miami Program. The Grantee will utilize the first grant installment of $10,000 according to the budget below. 0 Cities far FINANCIAL EMPOWERMENT Fund SUMMER JOBS CONNECT: Innovative Banking to Support At -Risk Youth ''please complete at! sections highfightedin yellow' City Name: Budget Year Amount Budgeted: City of &tiami FY 2023 $5,500 Innovative Banking to Support At -Risk Youth Funding Proposal Amount Youth Bank Accounts Opened (10 accounts x $6ea new account fee = $60) $60.00 Youth Stipend to complete Pilot Program (LO youth x $100tuk ea — $2,000.00) $2,000.00 Youth Stipend to Participate in Focus Group (Group of the 4 top bussiness plan $100.00 each team member). $500.00 Government -Issued IDs (10 x $25 per ID = $250) $250.00 Program Suppiles (L x $ 250 = $250) $250.00 Program Food cost for 2-wk period (L0 youth x $20wk x 2wks = $400) $440.00 Focus Group $2,000.00 TOTAL PROPOSAL $5,500.00 CFE FUND GRANT AGREEMENT EXHIBIT D 18 Reporting Grant Reports Exhibit E The Grantee will complete two grant reports to track progress towards grant objectives and understand financial empowerment accomplishments, challenges, and lessons learned. The interim report is due on October 5, 2023, and the final report is due on October 3, 2024. The Grantee is responsible for submitting progress reports using the CFE Fund's online grant portal which can be accessed through the web link below: https://www.grantinterface.com/Home/Logon?urlkey=CitiesFE Financial Reporting The CFE Fund will require financial documentation in both the interim and final grant reports that demonstrate expenses paid through this grant. Expenses must correspond with the Grantee Budget in Exhibit D. Qualitative Reporting The CFE will require a program narrative in both the interim and final grant reports. The narrative will address performance, operations, partnerships, and client stories. Quantitative Reporting The Grantee will track and report the following outcomes for homeless youth and all youth enrolled in the City of Miami's Summer Jobs Connect Miami Program: Program model _ Summer Jobs Connect Outcomes How many youth participated in SYEP throughout the city? 2023 Target Population 2023 Program Total Estimated pre-SJC totals` How many youth were served by the SYEP your agency oversees/manages? Financial Education How many youth were taught about the benefits of banking? How many youth received follow-up financial education on how to efficiently use a bank account, budgeting, and/or savings? Account opening How many youth did the city determine banking status for? (Whether participants had an account prior to programming) , How many youth identified as unbanked at the beginning of the program? How many youth had the opportunity to open an bank or credit union account through the program? How many youth actually opened accounts through the program? Direct Deposit How many youth had the opportunity to direct deposit their SYEP paychecks into a bank/credit union account? How many youth actually received their pay via direct deposit? How many youth chose to split their SYEP paychecks into a savings and transactional (checking) account? CFE FUND GRANT AGREEMENT EXHIBIT E 19 Exhibit F Summer Jobs Connect Youth Account Priorities: Sole Ownership Accounts for Minors summer jobs/connect 0 .,,ar FINANCIAL EMPOWERMENT r and SUMMER JOBS CONNECT YOUTH ACCOUNT PRIORITIES These following priorities are intended for use by programs seeking or negouahng hnancuil mstrtution transaction accounts for youth populations. Critical Features Terms Transaction Account at Banking Institution Minimum Opening Deposit Monthly Maintenance Fee Overdraft or Non -Sufficient Funds INSFI Fees Dormancy or Inactivity Fees Withdrawal Capability Insured Deposits New Account Screening le.g. ChexSystems. Early Warning Services) Alternative lDs Remote Account Opening Linked Savings Accounts Standards Checking account 'including checkless checking): bank- or credit union -offered prepaid Non -custodial account ownership for those under 1111 S25 or less, with ability for consumer to delay funding initial balance until first payroll None for youth accounts None, structurally not possible le.q. via checkless check.ngl None; after 6 months or more of inactivity, account can be suspended with an option to reactivate Free methods to access funds through in -network ATMs Insured by FDIC or NCUSIF For consumers under lei Flexible usage, reflecting that any negative reports are unlikely to De fault of the minor For consumers 'Sand own Flexible usage; only deny new customers for past incidences of actual fraud Accept alternatne IDs 'e.g. school IDs. program IDs( Accounts can be opened remotely Ie.g. through °none program enrollment. assisted account opening. or ontrnel, including issuing account numbers off -site Free savings accounts and account transfers Additional Important Features Point of Sale IPOSI Capability Branch Access Telephone Banking Use olOut-of-Network ATM Deposit Capability Bill Pay by Customer Bill Pay by Financial Institution Clack Cashing for Checks Issued by that Bank Online and Mobile Banking Banking Alerts Monthly Statements Mobile Deposits Funds Availability Money Orders Remittances (International Win) Credit -Building Product Offerings Bankkn Debit card/prepaid card Free and unrestricted Free and unrestricted )including live customer support) S2.50 or less (not including local ATM feel Free et brand% at ATM. and direct deposit Free Free d available, otherwise at least tour free money orders andfor cashier checks per month Free Free Free Frei piper (er electronic with consumer consent) Available, free Immediate avadabdity for known customers casting government. payroll, or same -bank checks S1.60 or less (based on U.S. Postal Service ratel Competitively priced IS6A0 - S20.00. depending on country) Secured credit card or secured personal loan. e.g. trnte.de uodarg CFE FUND GRANT AGREEMENT EXHIBIT F 20 Notices Cities for Financial Empowerment Fund, Inc. Scott Schwartz Senior Associate Cities for Financial Empowerment Fund, Inc. 44 Wall Street, Suite 1050 New York, NY 10005 Telephone: (347) 382-7003 Email: sschwartz@cfefund.org Grantee Lillian P. Blondet Director Office of Grants Administration City of Miami 444 SE 2nd Avenue, 5th Floor Miami FL 33130 Telephone: 305-416-1536 Email: LBlondet@miamigov.com Exhibit G CFE FUND GRANT AGREEMENT EXHIBIT G 21 Exhibit H Citi Foundation Marketing Guidelines [To Be Attached] CFE FUND GRANT AGREEMENT EXHIBIT H 22 Citi Foundation Logo LOCK Up Guidelines Version 1.4 October 12, 2012 citi Citi Foundation - Logo Lock Up Standards Contents 3 Citi Foundation Logo Lock Up Versions 4 Citi Foundation Logo Lock Up — Legal Legend Use 5 Citi Foundation Logo Lock Up Color Variations 6 Citi Foundation Logo Lock Up Backgrounds 7 Citi Foundation Logo Lock Up Clear Space and Sizing 8 Citi Foundation Examples 9 Citi Foundation Logo Lock Up — Incorrect Use 10 Usability Considerations for Color Blind Audiences 11 Ethical Standards for Brand Communications 12 Additional Resources Visit Brand Central at: brandcentral.citi.com Confidential. For internal, approved agency and approved licensee use only. October 12, 2012 These standards elaborate on specific requirements laid out in the Global Brand Policy, and must be adhered to by all Businesses and Global Functions. Citi Foundation - Logo Lock Up Standards 3 Citi Foundation Logo Lock Up Versions The Citi Foundation logo lock up is the core brand element in our visual system. When we use our logo correctly and consistently, we reinforce our commitment to strengthening our brand. We also help our current and future clients recognize us more easily and trust that we are unified. The Citi Foundation logo lock up is comprised of the word mark Citi Foundation along with the Citi Arc Design mark. The Citi and Arc Design mark is a registered service mark of Citigroup Inc. Therefore, certain applications require the registration symbol (CO, as explained at right. When using the Citi Foundation logo lock up at extremely large or extremely small sizes, the registration symbol might become either too prominent or illegible. In these situations, visually adjust the symbol. The symbol may be removed when it is too small to be legible. The registration symbol should always appear to the right of and aligned to the base of the Red Arc as shown at top right. Master artwork is available that provides the registration symbol in a fixed size and position. Logo with registration symbol Use this configuration on: • Marketing, promotional and advertising materials • Websites • PowerPoint presentations • Small -sized outdoor advertising (e.g., posters) • Social media • Mobile Logo without registration symbol Use this configuration on: • Stationery • Building signage • Large -sized outdoor advertising (e.g., billboards) • Television commercials • Promotional items (e.g., merchandise) Citi Foundation logo lock up Citi Foundation logo lock up Citi Foundation citl° Citi Foundation cffi Citi Foundation name Red Arc Registration symbol shares baseline with the Red Arc Citi name Citi Foundation name Red Arc Citi name Visit Brand Central at: brandcentral.citi.com Confidential. For internal, approved agency and approved licensee use only. October 12, 2012 These standards elaborate on specific requirements laid out in the Global Brand Policy, and must be adhered to by all Businesses and Global Functions. Citi Foundation - Logo Lock Up Standards 4 Citi Foundation Logo Lock Up - Legal Legend Use A copyright notice and a trademark attribution need to appear on all materials that include our logo lock up. The standard language for these statements is listed below. Copyright notice: © 20xx Citi Foundation. All rights reserved. Trademark attribution for the marks used in the Citi Foundation logo lock up: Citi, and Citi and Arc Design are registered service marks of Citigroup Inc. The examples at right demonstrate proper use and placement of the legal legend. Note: In the copyright notice, the year that the work is created must be substituted for the "xx," and the business entity that created or commissioned the work can be substituted for "Citi Foundation" The trademark attribution should list all trademarks that appear in the specific communication. If you are not sure whether a particular mark is registered in your market, or which entity is its owner, please check with the Global Trademark Legal in New York. Visit Brand Central at: brandcentral.citi.com Sample applications Legal legend Legal legend Confidential. For internal, approved agency and approved licensee use only. October 12, 2012 Foundanan at! Brochure back cover cm Foundation at! Solapis Blati Mg t orllcae gage a nosam quae part, noosed1, cuptatern que One -page slipsheet Legal legend e. ^@ @;go mSubject: Emiting Event will Take Place September 25, 2D12 To client CM Foundation Citl" Experior estium estrumque necumquid aut dolecti atioresti quatur, eum que cum Introduction eleua':el°a`da°daedaia e° arnt °n;asmauate ullupta guiseipasiarisgmgulametmodguamguiin Section TrIle Goes Here subtitle Can Go Here elupta':el°a`da°daeda,a k°st at°rmuamin°nuaasmauate lluptaeul aasia� eulamet mod auam gui in et odipsae id gue subtitle Can Go Here Email invite Employee Name Employee Title Citi Foundation Legal Entity Name Address Line 1 /1 Address Line 2 C T 000 000 0000 F 000 000 0000 C 000 000 0000 email@riti.eom Legal Name Co Business card Note: The legal legend does not appear on some materials that contain the logo without registered trademark symbol, such as stationery. Images and application examples throughout this document are only for illustrative and guidance purposes and not available for general use. Any imagery rights must be acquired on a case -by -case basis. These standards elaborate on specific requirements laid out in the Global Brand Policy, and must be adhered to by all Businesses and Global Functions. Citi Foundation - Logo Lock Up Standards 5 Citi Foundation Logo Lock Up Color Variations A set number of color variations exist to Primary color variations accommodate different applications of the logo. On blue wave backgrounds, use the full -color reverse logo lock up. When the logo appears on a white background, opt for the full -color positive logo. Reserve the secondary variations for situations where the use of a full -color logo lock up is not feasible due to technical or other constraints. Note: The boxes surrounding the logos displayed at right are only for illustrative purposes and to represent a background. Full -color reverse logo lock up Use this logo variation on the blue wave or other blue backgrounds. Full -color positive logo lock up Use this logo variation on white or light -color backgrounds. Secondary color variations One -color positive logo lock up Use this logo variation on white or light backgrounds where featuring the full -color positive logo is either not possible or not desired. One -color reverse logo lock up Use this logo variation on dark backgrounds where featuring the full -color reverse logo is either not possible or not desired. 1 1 ounsa ion Citi Foundation at! Citi Foundation C tl Citi Foundation at! Visit Brand Central at: brandcentral.citi.com Confidential. For internal, approved agency and approved licensee use only. October 12, 2012 These standards elaborate on specific requirements laid out in the Global Brand Policy, and must be adhered to by all Businesses and Global Functions. Citi Foundation - Logo Lock Up Standards 6 Citi Foundation Logo Lock Up Backgrounds Always place the logo in a manner that provides sufficient contrast in order to maximize visibility and recognition. Accomplish this by selecting the best logo color variation with a particular background. Background contrast For full -color logos, the positive variation works best on backgrounds that are lighter than a 20% tint of Citi Blue. The reverse variation works best on backgrounds that are darker than a 40% tint of Citi Blue. Do not use either of these logos on backgrounds that are between 20% - 40% Citi Blue in darkness. For one -color logos, the black variation works best on backgrounds that are lighter than a 40% tint of black; the white variation works best on backgrounds that are darker than a 40% tint of black. Material treatments In limited situations, it may be appropriate to use material treatments. It is critical that the logo does not appear in a color; rather treat it in a manner consistent with its environment (e.g., etch the logo into a metal pen, rather than printing a silver logo onto it). Background contrast Full -color positive logo Citi Foundation cltl o% One -color black logo Citi Foundation 0% 20% 40% Full -color reverse logo 100% One -color white logo Citi Foundation Material treatment examples Blind deboss on paper 40% Etched into metal Frosted adhesive on glass 100% Embossed into leather Visit Brand Central at: brandcentral.citi.com Confidential. For internal, approved agency and approved licensee use only. October 12, 2012 These standards elaborate on specific requirements laid out in the Global Brand Policy, and must be adhered to by all Businesses and Global Functions. Citi Foundation - Logo Lock Up Standards 7 Citi Foundation Logo Lock Up Clear Space and Sizing It is important to surround our logo with a healthy amount of breathing room — clear space — so it stands out in our communications. Avoid placing any text or graphic elements within the designated clear space. Additionally, to ensure legibility, never scale the logo smaller than the minimum size recommendation shown at lower right. Note: For information regarding logo clear space when placed within a blue wave housing shape, refer to page 3.19 of this document. Clear space Always maintain at least the minimum clear space at right. Avoid placing any text or graphical elements within this space. Whenever possible, allow for more clear space than the minimum requirement. Minimum size To ensure proper legibility, never size the logo smaller than 7pt, measured from the height of the Citi name. 0.(5x Citi Foundation Citi Foundation 70 l Cltl 0.i5x 0.75x Citi Foundation 7pt l at! x 0.75x Visit Brand Central at: brandcentral.citi.com Confidential. For internal, approved agency and approved licensee use only. October 12, 2012 These standards elaborate on specific requirements laid out in the Global Brand Policy, and must be adhered to by all Businesses and Global Functions. Citi Foundation - Logo Lock Up Standards Citi Foundation Examples La o._onao.000m 200YEARS at! eltlFraurerlstim Owervinr aw2eemene The Foonpato^ sonars one'Kamm. OrNIMo rorr and Ii^erael —,a✓newn. Web aMFoundation C l" PRESS RELEASE HEADLINE Employee Name Employee Title Legal Entity Name Address Line 1 Address Line 2 T 000 000 0000 F 000 000 0000 C 000 000 0000 emau®aa.eom Legal Name Business card Citi Foundation 0 Citi Foundation Citi Foundation Cltl Cltl Citi Foundation I ion Citi Foundation Citi Foundatio Citi Fo citi Citi Foundation Citi Foundation Cltl Cltl ion Citi Foundation Citi F ti Fo Media Wall New Email From: IT@citi.com To employee name©citi corn Date August 25, 2D 12 at 915am Subject: Note that Event will Take Place September 25, 2a12 Citi Foundation G tI Ique usam antur mod in porro estis explita latus. Introduction remaler, omnls etsnenamgee peel estisoleplatnmigeenaae explita jeoar allemgeam In nulparnm geale latus Osam, ullupta gulsc p asi ans pre gulametmoci guam gui in et oaipsae la gee nnanutaanrepeligue alaesa epeaaes Negui mmeguem�larDmernman Section Title Goes Here subtitle rematur,omnseliguosnunarngueporro estis Highlight Heading Event • June. at 10amET .onntatta Doe Press Release Newsletter Note: The Citi Foundation logo lock up should appear on all applications that are explicitly connected to the Citi Foundation. Visit Brand Central at: brandcentral.citi.com Confidential. For internal, approved agency and approved licensee use only. October 12, 2012 Images and application examples throughout this document are only for illustrative and guidance purposes and not available for general use. Any imagery rights must be acquired on a case -by -case basis. These standards elaborate on specific requirements laid out in the Global Brand Policy, and must be adhered to by all Businesses and Global Functions. Citi Foundation - Logo Lock Up Standards Citi Foundation Logo Lock Up - Incorrect Use There are limited ways to properly use the Citi Foundation logo lock up. Never alter the logo lock up artwork or use it in a manner that conflicts with the principles outlined in the previous pages. Displayed at right are several examples of the misuse of the logo lock up artwork. Keep in mind that we consider any modifications, other than proportionate scaling, to be misuse. Note: Always use approved artwork. Citi Foundation logo artwork files are available for download from Citi Brand Central at: brandcentral.citi.com 1;°11:°°11111:°#..161111 Do not use legacy artwork variations. Do not rotate, stretch, skew or otherwise distort the logo. Citi Founda cite Do not change the positioning of the logo components. Citi Founda cite Citi Founda citi Do not create new logo color variations. Citi Foundation Global Community Do not create lockups with the logo. Citi Foundat Do not change the position of the registration symbol. Do not add drop shadows or other Do not use the red arc as an specialty effects to the logo. illustrative element. Do not modify the name and Citi logo placement or size relationship Citi Founda citi Do not add graphic elements to the logo. Do not use the red arc alone. Do not feature the logo on backgrounds that provide insufficient contrast for legibility. Visit Brand Central at: brandcentral.citi.com Confidential. For internal, approved agency and approved licensee use only. October 12, 2012 These standards elaborate on specific requirements laid out in the Global Brand Policy, and must be adhered to by all Businesses and Global Functions. Citi Foundation - Logo Lock Up Standards 10 Usability Considerations for Color Blind Audiences When selecting color for use in digital media, consider the breadth of our audiences and any limitations that may impact their ability to effectively use our digital properties (e.g., myopia or color blindness'). The specification of color (e.g., Citi Red in the arc of the Citi logo, blue wave gradient, accent colors) should not be altered in any way to compensate for these audience limitations. These limitations should, however, influence the way in which we apply color and utilize other devices to improve usability for these audiences (e.g., hyperlinks, interactive button states, etc.). Listed at right are several things to keep in mind when designing for digital media. Note: The list of considerations at right is not exhaustive. Please use good judgment and research any issues that may impact your particular digital media project. ' Color blindness is most commonly associated with a person's inability to distinguish between the colors red and green and in some cases, blue and yellow. It is extremely rare that color blindness effects an individual's ability to recognize color in general. Things that work well: • Ensure that color is not the only visual cue used to communicate an important item (e.g., provide and asterisk next to a required field rather than just coloring the field name in red) or an interactive element (e.g., include an underline for a hyperlink to signal interactivity, in addition to coloring the text). • Use style sheets to control color, when possible. This gives users the ability to turn off the style sheets, or override them with their own, to achieve a visual presentation that meets their needs. • Ensure that images have visual impact — even in a desaturated state. • When possible, consult online tools or color-blind persons to evaluate the effective use of color within a particular application. Things to avoid: • Avoid placing red and green or blue and yellow together, especially for navigation or important text elements. These colors may blend together for a color-blind person, making the text difficult to distinguish. • Do not ignore the issue. If a color choice — made purely for aesthetic purposes — negatively impacts functionality for color-blind people, consider alternative solutions that could reduce any functionality issue. Visit Brand Central at: brandcentral.citi.com Confidential. For internal, approved agency and approved licensee use only. October 12, 2012 These standards elaborate on specific requirements laid out in the Global Brand Policy, and must be adhered to by all Businesses and Global Functions. Citi Foundation - Logo Lock Up Standards Ethical Standards for Brand Communications We are expected to demonstrate and deliver the highest levels of integrity and good judgment in our brand communications. If we communicate using our brand in an inappropriate manner, we risk damaging our reputation and offending the clients and employees that are so critical to our organization's success. It is paramount that we protect our brand through the use of sound judgment and adherence to our brand policies. Outlined at right are ethical standards for all Citi branding, advertising, sponsorships, marketing and promotions. Note: The guidance on this page is not exhaustive, nor a substitute to obtaining legal, regulatory or trademark approvals. Brand Policy It is our responsibility to do our utmost to build our brand and protect its integrity through ethical practices. It is Citi policy that our brand names, logos and any communications that include our brand should not be used in connection with anything that could disparage, misrepresent or otherwise harm, tarnish or diminish the reputation or goodwill associated with Citi. Do ensure that our materials are original and not imitative of others. Do ensure that all claims we present are accurate, current and based on evidence that is verifiable. Do ensure that testimonials or endorsements are genuine, verifiable, relevant, based on the personal experience or knowledge of the person. Do obtain additional approval from the Citi Global Branding department before agreeing to use the Citi logo on items or in programs that could pose potential risks to the brand (see exception approval process on page 4.5). Do respect the marks and brands of others we feature in our materials, in a manner consistent with legal and contractual obligations. Do not feature our brand in any type of communications that involves, facilitates, advocates or promotes libelous, defamatory, obscene, pornographic, adult -content, sexually -explicit or abusive activities. Do not align our brand with gambling, illegal substances, alcohol, tobacco, violence, use of firearms, sedition or illegal activities, or sponsor events the sole purpose of which is to promote the foregoing. Do not align our brand with activities that are religious or political (without senior approval) in nature, or that discriminate on the basis of race, ethnicity, gender, religion, sexual orientation, age or disability. Do not present claims or information that are unfair, incomplete or misleading. Do not use testimonials or endorsements that were given by persons who were compensated (either monetarily or otherwise) without disclosing that fact. Do not violate rights of privacy or publicity of persons portrayed or mentioned in our materials without obtaining permissions, as required. Do not violate the intellectual property rights of any person or entity. Visit Brand Central at: brandcentral.citi.com Confidential. For internal, approved agency and approved licensee use only. October 12, 2012 These standards elaborate on specific requirements laid out in the Global Brand Policy, and must be adhered to by all Businesses and Global Functions. Citi Foundation - Logo Lock Up Standards Additional Resources Should you have any questions regarding the standards set forth in this document, or to source additional guidance regarding how to apply these standards across our various offerings, please visit Citi Brand Central: brandcentral.citi.com Should you have further questions regarding Citi Foundation specifically, please email: citifoundation@citi.com ©2012 Citigroup Inc. All rights reserved. Citi, Citi and Arc Design, and Citibank are trademarks and service marks of Citigroup Inc. and are used and registered throughout the world. Citigroup Inc. and its subsidiaries also claim rights in certain other trademarks and service marks contained in these pages. Confidential. For internal and partner use only. citi