10 a.m., Chicago After a full night on the job as a jailer for the City of Chicago Police Department, Tony Greenwood is mid-way through his second job as a developer on Chicago’s South Side. Tony has renovated four large buildings he owns, two of which previously were poorly managed eyesores occupied by drug dealers and gang members. He is well on his way to realizing his dream of being a full-time developer. “My buildings are in the neighborhood I grew up in,” Tony says, “and I’m providing affordable living for my community. Outsiders are seeing the neighborhood differently now, and are bringing in other money and businesses because they see that existing owners care about their property.” In addition to providing loans to Tony, ShoreBank sponsored workshops where Tony and other developers learned ways to rehab buildings to reduce energy consumption. Tony also benefited from ShoreBank’s unique Rehab Certificate of Deposit, in which depositors take a slightly lower interest rate, which enables the bank to make no interest loans for rehab with no payments until the sale of the property. Tony also participates in an informal network of ShoreBank customers who share information about contractors, building material suppliers, accounting and legal professionals and tenant management strategies. ShoreBank is the nation’s leading community development bank focused on funding rehab projects in its priority areas, creating safe housing, jobs, vibrant communities and building personal wealth.