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Speaker 1: An illegal alien from Guatemala charged with raping a child

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Speaker 1: in Massachusetts. An MS thirteen gang member from Al Salvador

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Speaker 1: accused of murdering a Texas man of Venezuelan charged with

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Speaker 1: filming and selling child pornography in Michigan. These are just

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Speaker 1: some of the heinous migrant criminals caught because of President

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Speaker 1: Donald J. Trump's leadership. I'm Christy nom the United States

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Speaker 1: Secretary of Homeland Security. Under President Trump, attempted illegal border

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Speaker 1: crossings are at the lowest levels ever recorded, and over

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Speaker 1: one hundred thousand illegal aliens have been arrested. If you

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Speaker 1: are here illegally, your next you will be fined nearly

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Speaker 1: one thousand dollars a day, imprisoned, and deported. You will

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Speaker 1: never return. But if you register using our CBP home

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Speaker 1: app and leave now, you could be allowed to return legally.

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Speaker 1: Do what's right. Leave now. Under President Trump, America's laws,

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Speaker 1: border and families will be protected.

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Speaker 2: Sponsored by the United States Department of Homeland Security. YO,

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Speaker 2: make no mistake. I started out just like many of you.

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Speaker 2: Are none of five worker at your school right behind me.

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Speaker 2: This is the where it all started for me.

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Speaker 3: But I learned skills over the years and I want

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Speaker 3: you to learn some too. I want you to learn

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Speaker 3: how to become financially free. I want you to set

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Speaker 3: a legacy to your family. I want you to build

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Speaker 3: generational wealth. You can do all that and more.

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Speaker 2: Shut out in Best Best Wife, buck.

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Speaker 4: Earns what's going on?

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Speaker 3: Traditional universities are outdated and don't teach you how to

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Speaker 3: an employee.

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Speaker 5: You go to school for four years and you leave

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Speaker 5: with nothing but debt. But here why EYL University. Our

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Speaker 5: curriculum is much different.

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Speaker 3: Our university teaches you real world skills that you can

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Speaker 3: you learn from professors that have never did what they teach,

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Speaker 3: our university, we use instructors that are currently successful in

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Speaker 3: specific field that they teach, and they teach you how

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Speaker 3: to become an entrepreneur.

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Speaker 3: Don't wait, don't hesitate it over there now.

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Speaker 6: My graduates from my school being force back drop bag

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Speaker 6: drop Mike, drop back, drop drop.

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Speaker 5: All right, guys, welcome back EYL Atlanta Edition. This is

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Speaker 5: our second home for sure. We spend so much time

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Speaker 5: out here. So this is gonna be a dope episode

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Speaker 5: because there's something that we have never covered as far

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Speaker 5: as the banking industry.

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Speaker 4: Shout out to Killer Mike.

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Speaker 5: We had the honor speaking to Killer Mike, and obviously

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Speaker 5: everybody knows that he's involved with Greenwick Bank, and he

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Speaker 5: gave us like a kind of an overview of the

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Speaker 5: whole situation, but we never actually spoke to like somebody

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Speaker 5: that's actually running the bank.

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Speaker 3: Yeah, we got questions. He was like, y'all gotta ask Ryan.

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Speaker 3: Ryan on here, y'all gotta ask Ryan.

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Speaker 2: Okay.

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Speaker 5: So Ryan Lover is the co founder and chairman of

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Speaker 5: Greenwood Bank. If you're not familiar with Greenwork, Greenwood Bank

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Speaker 5: is Greenwood Bank is a black owned fintech bank that

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Speaker 5: is launching very very soon, and he's the founder of it.

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Speaker 5: So this is the first time that we've actually spoken

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Speaker 5: to somebody that's actually running a bank. So we have

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Speaker 5: a lot of questions and he has a long history

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Speaker 5: outside of the banking industry, started Bounce TV.

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Speaker 3: I think that's what makes this even more impressive, Like

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Speaker 3: he doesn't have a banking background, but as a bank Yeah.

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Speaker 5: Yeah, So he was gracious enough to invite us in

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Speaker 5: his home and we're head to do this interview. I'm

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Speaker 5: sure it's going to be a legendary situation. So thank

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Speaker 5: you for having us. Appreciate it man, thank you for

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Speaker 5: coming to my home.

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Speaker 7: Man, and uh, it's some time with me to talk

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Speaker 7: about Greenwood and my long history, uh in the entertainment,

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Speaker 7: in the media, now in the banking world.

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Speaker 2: Yeah, we forgot one thing. He's an HU guy.

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Speaker 4: Oh yeah, Howard Universe.

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Speaker 2: Shout the Howard.

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Speaker 5: Absolutely the Bison's should I say the.

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Speaker 4: Yeah Hampton you.

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Speaker 7: Know we're the real h first and foremost you said, yeah,

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Speaker 7: you know exactly. Guys that went to Hampton must couldn't

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Speaker 7: have gotten into.

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Speaker 2: Howard shout Envy.

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Speaker 5: You have it all all right, So let's get into this.

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Speaker 5: So you're the head of the bank. But before that, right,

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Speaker 5: you find you found Bounce TV. Right, So how do

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Speaker 5: you make your way from going to Howard bounce, TV, banking.

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Speaker 4: It's like a lot of different parallels here. That's not

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Speaker 4: really yeah, and that's.

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Speaker 7: It important to kind of get into. It's a great

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Speaker 7: question because I was, as I was mentioning, if there

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Speaker 7: wasn't my if I didn't enter my past chapters in

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Speaker 7: different industries, there would be no Greenwood. So, you know,

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Speaker 7: just to be clear, from the Bay Area in California,

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Speaker 7: went to Howard University, graduated from Howard. Actually at Howard,

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Speaker 7: I was bitten by the entertainment bug, right, So there's

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Speaker 7: a at Howard University. As you guys know, there's a

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Speaker 7: long history and lineage of successful black entrepreneurs, all right,

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Speaker 7: and I was a part of the culture of successful

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Speaker 7: black entrepreneurs that were born at or came out of

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Speaker 7: Howard University. So Howard University graduated. I have a degree

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Speaker 7: in accounting. Ironically, uh you know, and I knew, you know,

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Speaker 7: after graduating, I wasn't cut to be an accountant. All right,

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Speaker 7: love business, but accounting just wasn't I believe my calling.

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Speaker 7: Uh So relocated to Atlanta, Georgia, started a studio called Noontime.

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Speaker 7: So we made records from everybody from Mary J. Blige,

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Speaker 7: Aliyah Sean P. Diddy Combs, a good friend of mine

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Speaker 7: who I met at at on Howard's campus, and a

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Speaker 7: litany of other hip hop and R and B artists. Uh.

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Speaker 7: That was super popular uh in the in the nineties

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Speaker 7: in the early two thousand. So that's kind of where

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Speaker 7: I cut my teeth. From a business perspective, is in

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Speaker 7: the is in the music, music business, right, So I

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Speaker 7: started Noontime publishing and production company, and from there I

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Speaker 7: knew that it was important to create content that mattered

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Speaker 7: to our culture. And I realized that if you create

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Speaker 7: content that means something that matters, it'll stand the test

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Speaker 7: of time. That's kind of where I got my start.

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Speaker 2: So we went from New Time to Bounce, is how it?

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Speaker 3: Because, I mean, we're talking about Greenwood and the first

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Speaker 3: time we're actually talking about somebody who has their own bank. Well,

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Speaker 3: we've never spoken to anybody who had their own broadcast networks. Yea, yeah,

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Speaker 3: I mean it was at first.

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Speaker 7: No, no, without a shadow of doubt. So spent ten

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Speaker 7: years in the music business. Noontime was an incredible journey

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Speaker 7: for me from a music perspective. Then I transitioned from

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Speaker 7: Noontime into television media. So I worked at a television network,

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Speaker 7: Turner Entertainment Network, TBST and T Adult Swim Cartoon Network.

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Speaker 7: Created programming, scripted and unscripted program for those networks. You know.

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Speaker 7: Spent six years there at Turner and really learned the

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Speaker 7: media business, utilize my resources and relationships to kind of

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Speaker 7: broaden at the time Turners involvement and understanding of our culture.

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Speaker 7: And then from Turner in twenty ten, I started a

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Speaker 7: Bounced TV African American broadcast network. Started off just me

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Speaker 7: and my partner. Grew that network to over two hundred

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Speaker 7: and fifty employees. We Bounced TV is in over one

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Speaker 7: hundred and ten million households across the country. And I

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Speaker 7: got to tell you guys, really what I prided myself

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Speaker 7: on what Bounce is is. And I got five children

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Speaker 7: from twenty two all the way down to zach is eight,

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Speaker 7: as so many kids I go age of, but I

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Speaker 7: prided myself with creating responsible programming that was entertaining that

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Speaker 7: all of my children could watch and I did not

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Speaker 7: have to change the channel if a show that I

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Speaker 7: programmed actually was on right. So, so credible content, responsible content,

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Speaker 7: entertaining content, uh, for the for the culture is really

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Speaker 7: what we prided ourselves on at Bounced TV and and

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Speaker 7: it resonated with the community.

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Speaker 3: What kind of shows did did we bring first to

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Speaker 3: Turner and then obviously to Bounce. What what are some

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Speaker 3: of the shows that you know the audience might be

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Speaker 3: familiar with.

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Speaker 7: Yeah, so, so you know, I didn't program Tyler the

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Speaker 7: Tyler Perry slew of shows, but I was a part

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Speaker 7: of on the executive side identifying that that that kind

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Speaker 7: of content will resonate within our community. So before, for

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Speaker 7: I was at Turner, there was no Tyler Perry, There

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Speaker 7: was no Ice Cuban, Joe Roth, there was there was

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Speaker 7: no a Jada Pinkett and Will Smith. But while I

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Speaker 7: was there, that programming existed because I helped the Turner

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Speaker 7: Entertainment Networks understand that our culture in our community is

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Speaker 7: not a fad. It matters and and you know we

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Speaker 7: are We come in many different shapes, sizes, colors, and

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Speaker 7: have many different interests and you know, Turner should broadcast

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Speaker 7: content they kind of spoke to a culture that was diverse.

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Speaker 7: So so I was instrumental in helping the network understand

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Speaker 7: really who we are as a as.

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Speaker 2: A white culture.

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Speaker 5: You said it not me, So how do we get

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Speaker 5: to start in Greenwood?

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Speaker 7: So you know sold Bounce in twenty seventeen, you sold Bounced,

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Speaker 7: sold Bounced TV, so launched a network.

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Speaker 2: Can we say how much?

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Speaker 7: We sold it? For three hundred and two million dollars?

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Speaker 7: I wrote that two scripts and you know, quite candidly speaking, guys,

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Speaker 7: I thought about retiring. You know, I love sports, I

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Speaker 7: loved my family, and you know, I wanted to do

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Speaker 7: something that didn't necessarily force me to have to wake

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Speaker 7: up at five point thirty in the morning and work

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Speaker 7: all the way through ten o'clock at night. Right. So,

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Speaker 7: a good friend of mine, because so you know, I'm

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Speaker 7: not speaking of Greenwood, I'm not a banker nor a technologist, right.

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Speaker 7: I am an individual who's built businesses, multiple businesses in

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Speaker 7: multiple industries for our culture and our community that I

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Speaker 7: believe have always have always created a content that has

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Speaker 7: resonated and been consistent, educational, and has helped our community advance.

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Speaker 7: So a good friend of mine got a name of

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Speaker 7: Paul Judge, who is actually a technologist, said you know,

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Speaker 7: I know you just sold a Bounce CV for three

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Speaker 7: hundred and two million dollars. You just can't just ride

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Speaker 7: off into the sunset. You have more resources, more life,

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Speaker 7: more energy that you need to lend to the culture.

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Speaker 7: He said, listen, man, I don't want to do anything right.

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Speaker 7: And he said, listen, you've got a ton of resource relationships.

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Speaker 7: You need to look into another avenue, another another way

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Speaker 7: to you know, kind of help our people advance. You

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Speaker 7: should think about the neo banking space. Didn't know much

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Speaker 7: about the space in any way, shape or form. But

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Speaker 7: what I didn't know try and Rashad is that I

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Speaker 7: had built multiple businesses over the course of my life

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Speaker 7: and I never utilized banking resources to build any of

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Speaker 7: those businesses. And to me, that was an atrocity.

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Speaker 3: When you say that, you mean like, so you didn't

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Speaker 3: get loans from banks.

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Speaker 7: You know, not only did I not get loans from banks,

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Speaker 7: My first thought about building business was not to go

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Speaker 7: to banks to get loans. I never thought about, hey,

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Speaker 7: any alterior are alternative lending facility to build a business.

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Speaker 7: It's always been utilizing personal resources to build brands and businesses.

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Speaker 7: Unlike unlike my friends who are in counterparts, who are

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Speaker 7: non African Americans, the first thing they think about is

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Speaker 7: going to banks or lending institutions right to further their

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Speaker 7: ideas and their dreams. I never thought about that. And

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Speaker 7: the reason why I never thought about that, rightly or wrongly,

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Speaker 7: is because we know generationally, you know, banking resources have

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Speaker 7: not been kind to individuals of color, have not been

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Speaker 7: kind to us for a number of reasons. And my

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Speaker 7: thought process was, you know, at the point where I

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Speaker 7: decided to start green Would was not to look at

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Speaker 7: all the atrocities that have occurred, but more so to

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Speaker 7: look at how I can be a part of the

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Speaker 7: solution versus talk about the problem. Right. So you know,

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Speaker 7: again not a not a not a banker, nor a

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Speaker 7: technology but I build businesses and I know what business

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Speaker 7: owners need and what they and what they want, what

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Speaker 7: they deserve to have, and I want to be at

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Speaker 7: Greenwood a conduit for that.

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Speaker 3: So when you're when you're doing this, I can imagine,

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Speaker 3: like you said, you had sold the company and obviously

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Speaker 3: up one hundreds of millions, and they might I'm assuming

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Speaker 3: it might have been a little bit opressiittive like I

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Speaker 3: have to do something because I've accumulated this, I've had

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Speaker 3: more resources than the average person in my community. After

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Speaker 3: that happens, right, what's the next step do you find

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Speaker 3: a team once Paul convinces you, now sure, yes, I

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Speaker 3: need to do this.

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Speaker 2: Who's a team and how do you go about finding them?

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Speaker 7: No, that's right. So so just to be clear, you know,

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Speaker 7: Greenwood is a digital digital company providing banking resources for

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Speaker 7: the community. That's that's who we are. We are, Uh.

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Speaker 7: We're going to roll our products out in this fashion,

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Speaker 7: a debit spending card, credit products, lending products, lifestyle products.

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Speaker 7: We will be a full service banking platform for our community.

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Speaker 7: You know, we're full service banking in your in our

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Speaker 7: in our consumers hands, Apple and Android pay, mobile deposits

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Speaker 7: at M services across across the country, two day early pay.

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Speaker 7: So all of the resources in the in the uh

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Speaker 7: functionality that traditional brick and mortars have, Wood will have

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Speaker 7: as well, as I mentioned, not a banker, not a technologist,

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Speaker 7: but all the businesses. To answer your question, Troy, all

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Speaker 7: the businesses that I've built have been built on an idea,

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Speaker 7: hard work, UH, strong prayer. Right. I'm a family man, love,

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Speaker 7: love the Lord, but also surrounding myself with people who

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Speaker 7: are professionals and who know what they do in their

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Speaker 7: areas of expertise. Right, So my my record company that

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Speaker 7: we built Noontime. I'm not a rapper singer, can't dance

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Speaker 7: my way out of a paper bag, right, but I

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Speaker 7: can identify talent and I I and I identified some

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Speaker 7: of the top producers writers in the industry to create

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Speaker 7: the platform and the success at Noontime and joy Bounce TV.

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Speaker 7: Same thing. Uh, you know, it's all about building a

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Speaker 7: media company with professionals that have done that have worked

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Speaker 7: in the media business for decades. Same thing with banking,

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Speaker 7: right you know. I won't go into detail, but there

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Speaker 7: was a myth that that there were that there is

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Speaker 7: not enough or a lack of banking talent that exists

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Speaker 7: in the African American community that work in traditional finance.

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Speaker 7: Not the case. When I decided to launch Greenwood, I

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Speaker 7: had talent coming from traditional financial institutions and from other

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Speaker 7: banking sources that wanted to participate with Greenwood as a mission.

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Speaker 7: So that's kind of what we did, all right.

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Speaker 5: So let's les, let's get into this conversation to meet

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Speaker 5: matatoes a right, So how do you start a bank?

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Speaker 4: All right?

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Speaker 5: What's the first board of directors? What is the first

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Speaker 5: steps to start a bank?

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Speaker 7: So in order to start a bank, one you've got

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Speaker 7: to have capital. So, you know, this same time last year, ironically,

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Speaker 7: after I decided, after I decided that I was going

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Speaker 7: to start Greenwood Digital Banking for our community, I decided

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Speaker 7: that one, I'm going to utilize my own personal capital

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Speaker 7: to start the bank, but I'm also going to raise

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Speaker 7: capital from angel investors and not just capital from any one,

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Speaker 7: you know. For me, I wanted to partner with people

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Speaker 7: who one understood our mission and just so we clear,

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Speaker 7: you know, Greenwood is in place. One to eradicate predatory lending.

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Speaker 7: I'm going to put all check cashing businesses out of business. Two,

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Speaker 7: Greenwood is going to recirculate capital in the community. You know,

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Speaker 7: an O to to Greenwood, which is and O to

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Speaker 7: the Greenwood District in Tulsa, Oklahoma. Right in the nineteen twenties,

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Speaker 7: the Greenwood District was a hotbed for African American and

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Speaker 7: minority businesses that thrived. And the reason why those businesses

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Speaker 7: thrived is because capital recirculated in the community. So one

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Speaker 7: dollar recirculated dozens of times before it left it left

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Speaker 7: the community. Unfortunately, in today's community, one dollar recirculates in

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Speaker 7: our community recirculates only six hours, right, So my one

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Speaker 7: of my missions at Greenwood is to recirculate capital in

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Speaker 7: the community. The third mission that we have UH is

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Speaker 7: to deploy capital to deserving borrowers. I mentioned earlier that

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Speaker 7: I UH and you know, all candor some of some

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Speaker 7: other African American business owners that I know don't have

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Speaker 7: the same access to capital that others have from other communities.

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Speaker 7: We want to eradicate and extinguish that fact of the matter.

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Speaker 7: So one, you've got to raise capital.

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Speaker 4: So how much? How much money?

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Speaker 7: So we raised three million dollars. That's it. We raised

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Speaker 7: three million dollars initially.

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Speaker 4: That's all. That's all it took.

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Speaker 7: Initially, That's all it took. Right, So we announced October

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Speaker 7: eighth Greenwood, after we after we raised three million bucks, right,

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Speaker 7: a kid, you not. The day that we announced that

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Speaker 7: we were launching Greenwood. The next day, ten thhis thousand

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Speaker 7: folks signed up on our waiting list. The next day

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Speaker 7: after that another ten thousand. At the end of the month,

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Speaker 7: there was one hundred thousand folks in our waiting list.

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Speaker 7: At that point, I knew that we needed more resource

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Speaker 7: to scale and if we were going to service the

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Speaker 7: community the way clearly the community said they needed to

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Speaker 7: be serviced. So I had no idea that I was

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Speaker 7: going to go into and move into a Series A

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Speaker 7: round of funding this soon in our lifespan, we have

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Speaker 7: a product that launches at the end of the summer.

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Speaker 7: You know, our goal was to raise three million dollars,

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Speaker 7: raise capital for our angel round, and then launch our

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Speaker 7: our digital bank, and then slowly but surely acquire customers

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Speaker 7: to participate right in our In our process, we have

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Speaker 7: five hundred close six hundred thousand folks on our waiting

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Speaker 7: list at the moment. That's scale. So I knew that

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Speaker 7: we had to raise more capital. We had to scale internally,

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Speaker 7: We had to raise capital to market our product. We

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Speaker 7: had to raise capital to hire as well. So we

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Speaker 7: started off Rashad and Troy with three employees. We now

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Speaker 7: have fifteen. By the end of the year, we'll have

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Speaker 7: twenty five employees. By the end of next year, we'll

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Speaker 7: have close to one hundred employees running or assisting me

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Speaker 7: in running Agree with Digital.

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Speaker 5: So all right, so three million was initial, but then

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Speaker 5: you realize that that definitely wasn't gonna be enough for

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Speaker 5: six hundred thousand customers. So you go and you take

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Speaker 5: money from Benure capitalists and other angel investors.

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Speaker 4: Yes, and how much money is you raise?

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Speaker 7: Yep, So I'm proud to on now ounce. So I'm

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Speaker 7: proud to announce the amount of money that we raised,

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Speaker 7: but I'm more proud that we raised it from a

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Speaker 7: wide mosaic of investors.

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Speaker 4: Right.

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Speaker 7: So to answer your question, we raised thirty million dollars

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Speaker 7: to our balance sheet for Greenwood Series A. But we

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Speaker 7: raised that capital from six of the seven top US

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Speaker 7: banks in the country, all led by truest Ventures, other

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Speaker 7: entertainment companies, other media companies, venture capitalists, and individuals as well,

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Speaker 7: all individuals, companies in corporations who are one passionate about

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Speaker 7: our mission, who believe in what we're doing, and who

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Speaker 7: have agreed to in lockstep join arms with us to

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Speaker 7: close this why wealth gap that exists in America. Green

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Speaker 7: was not going to do it all by itself by ourselves, right,

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Speaker 7: you know. And the wealth gap that exists in America

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Speaker 7: is not going to be closed in one year, or

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Speaker 7: in two years, or in five years for that matter.

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Speaker 7: But we are a part of, as I mentioned earlier,

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Speaker 7: going to be a part of the solution versus the problem.

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Speaker 3: That's interesting because you have JP you have Bank of America. True,

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Speaker 3: it's like you said, Wells Fargo's involved, PNZ Bank, all

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Speaker 3: financial institutions that are now supporting your financial institution when

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Speaker 3: you presented it to them, What made them say, you

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Speaker 3: know what, we're not going we could do this ourselves.

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Speaker 3: What made them believe in your vision for Greenland?

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Speaker 4: Yeah?

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Speaker 7: So I think one, they saw the team that we

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Speaker 7: put together. We have a world class banking team. I

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Speaker 7: think Two, they understood the mission. They understand that we're

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Speaker 7: passionate about deploying capital into our community. We circulated in

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Speaker 7: capital uh and closing and closing the wealth gap. Three,

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Speaker 7: I really believe Rashad and Troy that that they understand

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Speaker 7: that you know, although we're providing digital banking services, but

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Speaker 7: the guys that are running the the digital bank in

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Speaker 7: Greenwood are not bankers, right. We are business people that

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Speaker 7: that authentically understand the plight, the situation and where the

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Speaker 7: community as businesses want to want to go and grow.

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Speaker 7: You know, I understand where Pinky Coal from Slutty Vegan was,

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Speaker 7: where she is and where she wants to grow. Right.

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Speaker 7: I don't know if another financial institution or even another

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Speaker 7: challenge your bank understands where pinky wants to go and grow.

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Speaker 7: I can give you a number of different examples in

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Speaker 7: Atlanta alone of minority business owners that have great ideas,

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Speaker 7: that have a wealth of talent, but just don't have

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Speaker 7: the access to capital and the resource to become as

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Speaker 7: big as they We know that they can be, but

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Speaker 7: I do I know, I know those individuals.

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Speaker 3: So they're looking at you like it's not a competition.

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Speaker 3: You actually have a pulse in the community that they

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Speaker 3: don't have a reach too.

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Speaker 7: I look at myself as Robin Hood. Okay, I look

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Speaker 7: at myself as Robinhood. I don't look at and I

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Speaker 7: get the question all the time, or why do you

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Speaker 7: think all these institutions now you know, want to participate

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Speaker 7: in the message, in the movement. And you know my

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Speaker 7: answer to that question is I don't have the bandwidth

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Speaker 7: to think about what happened yesterday and a hundred years ago.

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Speaker 7: My goal and my mission is to solve help solve

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Speaker 7: the problem now and in the future. And if these

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Speaker 7: banking institutions want to utilize Greenwood as a conduit to

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Speaker 7: do it, and Ryan Glover and Paul Judge and our

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Speaker 7: world class team at Greenwood to do it, so be it.

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Speaker 7: We are here to be that conduit and to spread

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Speaker 7: that goodwill and mission and capital. The other thing I

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Speaker 7: want to mention too is there's a yin and a yang.

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Speaker 7: There is having access to capital, right, but there's also

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Speaker 7: a financial education component to our mission as well. It's

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Speaker 7: one thing to know or have access to capital, but

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Speaker 7: it's another thing to also know what to do with it.

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Speaker 4: Right.

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Speaker 7: So our mission is to give access to capital, but

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Speaker 7: also help and educate our community to understand what they

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Speaker 7: can do and what they should be doing with the

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Speaker 7: access to capital, utilizing the resources that we have.

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Speaker 5: So was there any hesitation as far as having the

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Speaker 5: other banks that traditionally have not given loans to people

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Speaker 5: of color to have them involved in your bank? Did

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Speaker 5: Did you ever think like this might be a conflict

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Speaker 5: of interest or it might, you know, be looked at

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Speaker 5: as something.

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Speaker 4: That is not, you know, in line of what we're

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Speaker 4: trying to do.

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Speaker 7: Not in any way, shape or form with SAD. I

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Speaker 7: have a very old school mentality on the way business

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Speaker 7: at any level should work and operate. And I believe

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Speaker 7: that it takes a village to raise a child, right.

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Speaker 7: I believe that it takes a well oiled conglomerate of

435
00:30:11,960 --> 00:30:25,080
Speaker 7: resource to to affect a culture, a generation, a or

436
00:30:25,160 --> 00:30:29,400
Speaker 7: a thwart an issue or a problem that has existed

437
00:30:29,640 --> 00:30:36,959
Speaker 7: for generations. Right, so the non access of capital in

438
00:30:37,000 --> 00:30:44,680
Speaker 7: our community has existed for generations for hundreds of years.

439
00:30:45,560 --> 00:30:51,520
Speaker 7: You know, one digital bank with a great mission, with

440
00:30:51,960 --> 00:30:59,560
Speaker 7: tons of personal resource isn't by itself going to thwart

441
00:30:59,800 --> 00:31:05,880
Speaker 7: and solve that problem. I looked at it as not

442
00:31:05,920 --> 00:31:09,160
Speaker 7: only will we need you know, the six out of

443
00:31:09,200 --> 00:31:13,520
Speaker 7: seven top banks and the other companies. I think we're

444
00:31:13,520 --> 00:31:19,000
Speaker 7: gonna need, not just more resources on our own, Can'tly speaking,

445
00:31:19,360 --> 00:31:23,560
Speaker 7: I believe that there needs to be more greenwoods.

446
00:31:24,040 --> 00:31:24,240
Speaker 3: Right.

447
00:31:24,880 --> 00:31:29,400
Speaker 7: You know, you know when I started Bounced TV, you

448
00:31:29,440 --> 00:31:30,880
Speaker 7: know there was you know, b et.

449
00:31:32,320 --> 00:31:34,560
Speaker 3: This episode is brought to you by P and C Bank.

450
00:31:34,960 --> 00:31:37,720
Speaker 3: A lot of people think podcasts about work are boring,

451
00:31:37,960 --> 00:31:41,800
Speaker 3: and sure, they definitely can be, But understanding a professionals

452
00:31:41,880 --> 00:31:45,120
Speaker 3: routine shows us how they achieve their success little by little,

453
00:31:45,520 --> 00:31:49,160
Speaker 3: day after day. It's like banking with P and C Bank.

454
00:31:49,640 --> 00:31:52,440
Speaker 3: It might seem boring to safe plan and make calculated

455
00:31:52,440 --> 00:31:55,560
Speaker 3: decisions with your bank, but keeping your money boring is

456
00:31:55,560 --> 00:31:58,920
Speaker 3: what helps you live or more happily fulfilled Life, p

457
00:31:59,000 --> 00:32:03,840
Speaker 3: and C Bank Brilliantly Boring since eighteen sixty five. Brilliantly

458
00:32:03,880 --> 00:32:06,520
Speaker 3: Boring since eighteen sixty five is a service mark of

459
00:32:06,560 --> 00:32:09,800
Speaker 3: the PNC Financial Service Group, Inc. P and C Bank

460
00:32:10,240 --> 00:32:12,960
Speaker 3: National Association Member fdiic.

461
00:32:15,560 --> 00:32:15,800
Speaker 4: Erners.

462
00:32:15,840 --> 00:32:16,200
Speaker 7: What's Up?

463
00:32:16,280 --> 00:32:18,760
Speaker 3: You ever walk into a small business and everything just

464
00:32:18,920 --> 00:32:22,120
Speaker 3: works like The checkout is fast, the receipts are digital,

465
00:32:22,640 --> 00:32:25,600
Speaker 3: tipping is a breeze, and you're out the door before

466
00:32:25,600 --> 00:32:29,760
Speaker 3: the line even builds Odds are they're using Square. We

467
00:32:29,920 --> 00:32:32,480
Speaker 3: love supporting businesses that run on Square because it just

468
00:32:32,520 --> 00:32:35,760
Speaker 3: feels seamless. Whether it's a local coffee shop, a vendor

469
00:32:35,800 --> 00:32:38,040
Speaker 3: at a pop up market, or even one of our

470
00:32:38,120 --> 00:32:41,760
Speaker 3: merch partners, Square makes it easy for them to take payments,

471
00:32:42,000 --> 00:32:45,720
Speaker 3: manage inventory, and run their business with confidence, all from

472
00:32:45,800 --> 00:32:49,200
Speaker 3: one simple system. If you're a business owner or even

473
00:32:49,280 --> 00:32:52,800
Speaker 3: just thinking about launching something soon, Square is hands down

474
00:32:52,840 --> 00:32:55,200
Speaker 3: one of the best tools out there to help you start,

475
00:32:55,560 --> 00:32:59,160
Speaker 3: run and grow. It's not just about payments, it's about

476
00:32:59,160 --> 00:33:02,120
Speaker 3: giving you time so you can focus on what matters

477
00:33:02,160 --> 00:33:05,440
Speaker 3: most Ready. To see how Square can transform your business,

478
00:33:05,680 --> 00:33:10,320
Speaker 3: visit Square dot com, backslash, go, backslash eyl to learn

479
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Speaker 3: more that Square dot Com backslash, goal backslash, eyl, don't wait,

480
00:33:15,880 --> 00:33:18,680
Speaker 3: don't hesitate. Let's Square handle the back end so you

481
00:33:18,720 --> 00:33:21,560
Speaker 3: can keep pushing your vision forward.

482
00:33:22,600 --> 00:33:27,000
Speaker 7: He existed. There are other African American networks that existed,

483
00:33:28,680 --> 00:33:33,080
Speaker 7: but that we also had a bounce, had a lane

484
00:33:33,120 --> 00:33:36,200
Speaker 7: of our own. And you know, you guys have cable.

485
00:33:36,520 --> 00:33:39,840
Speaker 7: There are a thousand channels that you can pick up

486
00:33:39,880 --> 00:33:43,240
Speaker 7: on cable. Right, there's only six or seven African American

487
00:33:43,600 --> 00:33:47,640
Speaker 7: network still to this day, right, that exist on cable, right,

488
00:33:49,760 --> 00:33:55,240
Speaker 7: but there should be more. Right, So Greenwood is existing,

489
00:33:55,760 --> 00:34:00,680
Speaker 7: and I believe a pioneer in the digital space, digital

490
00:34:00,720 --> 00:34:05,360
Speaker 7: banking space for black and brown people and allies. Right. So,

491
00:34:05,360 --> 00:34:09,040
Speaker 7: so I don't want my consumer just to be of color.

492
00:34:09,440 --> 00:34:14,640
Speaker 7: I also want our consumer to be allies, individuals who

493
00:34:14,760 --> 00:34:20,719
Speaker 7: aren't necessarily African American or Latino or of color, but

494
00:34:20,920 --> 00:34:27,640
Speaker 7: individuals who understand our struggle and are compassionate to our struggle.

495
00:34:27,800 --> 00:34:30,319
Speaker 7: So I want there to be other Greenwoods. I want

496
00:34:30,320 --> 00:34:34,440
Speaker 7: to I want to inspire other folks to build, to

497
00:34:34,440 --> 00:34:35,920
Speaker 7: build Greenwoods after us.

498
00:34:36,719 --> 00:34:40,040
Speaker 3: All Right, so you guys obviously had the financial firms

499
00:34:40,080 --> 00:34:42,280
Speaker 3: that are backing you, but you also have fintech companies

500
00:34:42,800 --> 00:34:44,479
Speaker 3: MasterCard and Visa that.

501
00:34:44,400 --> 00:34:46,080
Speaker 2: Are involved in the commen world as well. What was

502
00:34:46,080 --> 00:34:47,880
Speaker 2: that process like in getting them on board?

503
00:34:48,840 --> 00:34:53,680
Speaker 7: Great question. So strategically I wanted to partner with both

504
00:34:54,239 --> 00:34:59,560
Speaker 7: Visa and MasterCard. You know, as I mentioned earlier, you know,

505
00:35:00,080 --> 00:35:06,160
Speaker 7: we could have gone to one or two banking sources

506
00:35:07,320 --> 00:35:11,520
Speaker 7: to raise our Series A capital, But strategically, I wanted

507
00:35:11,520 --> 00:35:17,439
Speaker 7: to create a mosaic of of of partners that had

508
00:35:17,520 --> 00:35:22,080
Speaker 7: different resources and relationships that could help us go and

509
00:35:22,120 --> 00:35:29,720
Speaker 7: grow right as we grow. With MasterCard and Visa, same process.

510
00:35:30,120 --> 00:35:37,480
Speaker 7: So we have a relationship with MasterCard on the debit side,

511
00:35:37,920 --> 00:35:42,040
Speaker 7: and we have a relationship with Visa that will roll

512
00:35:42,080 --> 00:35:47,160
Speaker 7: out a credit products with with Greenwood. Strategically, so we

513
00:35:47,280 --> 00:35:52,040
Speaker 7: have debit products that we're partnering with MasterCard on and

514
00:35:52,080 --> 00:35:55,600
Speaker 7: in credit products that we're partnering with Visa on. And

515
00:35:55,719 --> 00:35:58,279
Speaker 7: the reason why we did that is because I understand

516
00:35:58,520 --> 00:36:02,360
Speaker 7: that MasterCard they have their own own relationships right. For example,

517
00:36:02,920 --> 00:36:09,240
Speaker 7: MasterCard has relationships with the Major League Baseball right. Visa

518
00:36:09,480 --> 00:36:16,040
Speaker 7: has relationships with the NFL. Right. So having multiple relationships

519
00:36:16,480 --> 00:36:23,000
Speaker 7: with multiple institutions gives Greenwood the opportunity to have multiple

520
00:36:23,080 --> 00:36:27,760
Speaker 7: partnerships right in in the country and in the world.

521
00:36:28,680 --> 00:36:33,279
Speaker 7: So so strategically, you know, that's kind of how I

522
00:36:33,320 --> 00:36:36,000
Speaker 7: think in how I operate.

523
00:36:36,480 --> 00:36:40,640
Speaker 5: So as far as okay, so having a bank is

524
00:36:40,680 --> 00:36:43,640
Speaker 5: still a business right. So the business model of banking

525
00:36:43,880 --> 00:36:47,560
Speaker 5: is that they charge interest and they invest the money

526
00:36:48,040 --> 00:36:51,759
Speaker 5: in the capital markets and they make money on your

527
00:36:51,800 --> 00:36:56,400
Speaker 5: money sitting in the bank. That's like the third grade explanation, right,

528
00:36:56,520 --> 00:36:58,640
Speaker 5: that's right? Is that is that your that's the business model.

529
00:36:58,760 --> 00:37:02,839
Speaker 7: That's the model. So yep. So at thirty thousand feet

530
00:37:03,280 --> 00:37:07,320
Speaker 7: we are launching a dibbit, a debit and spending card

531
00:37:07,440 --> 00:37:09,960
Speaker 7: at the end of the summer. That's the first product

532
00:37:10,200 --> 00:37:14,080
Speaker 7: that we're rolling out. And there's what's called interchange, right,

533
00:37:14,120 --> 00:37:20,480
Speaker 7: that exists when customers utilize or swipe their card, there's interchange,

534
00:37:20,600 --> 00:37:26,080
Speaker 7: just exchange that we get a small piece, the FDIC

535
00:37:26,239 --> 00:37:30,520
Speaker 7: insured bank gets a small piece. The merchant also makes

536
00:37:30,520 --> 00:37:35,200
Speaker 7: a small piece piece. So that's the interchange model. Okay.

537
00:37:36,320 --> 00:37:41,280
Speaker 7: We also, as I mentioned, will launch credit products where

538
00:37:41,400 --> 00:37:45,480
Speaker 7: interest comes comes into play and we'll have we'll have

539
00:37:47,560 --> 00:37:52,959
Speaker 7: competitive credit rates on those products as well. We'll also

540
00:37:53,000 --> 00:37:57,719
Speaker 7: have investment products that we'll roll out as well, So

541
00:37:58,560 --> 00:38:03,400
Speaker 7: there and lending product. So all of the products that

542
00:38:03,480 --> 00:38:08,560
Speaker 7: Greenwood will roll out, they'll all be a creator, a

543
00:38:08,680 --> 00:38:13,560
Speaker 7: creatively priced that our consumers will be able to take

544
00:38:13,600 --> 00:38:22,919
Speaker 7: advantage of. But our biggest asset, I believe assets over liabilities, uh,

545
00:38:23,280 --> 00:38:28,799
Speaker 7: is that we have the ability to identify credible and

546
00:38:28,960 --> 00:38:35,120
Speaker 7: solvent borrowers in our in our community, individuals that wouldn't

547
00:38:35,160 --> 00:38:38,960
Speaker 7: have the same opportunity to have that access to capital

548
00:38:40,560 --> 00:38:43,799
Speaker 7: that that others in other communities.

549
00:38:44,400 --> 00:38:45,080
Speaker 4: Well, how do you so?

550
00:38:45,200 --> 00:38:48,040
Speaker 5: All right, this is interesting because it's like you walk

551
00:38:48,040 --> 00:38:51,280
Speaker 5: in the thin line. I'm assuming because you have to

552
00:38:51,480 --> 00:38:54,320
Speaker 5: make money, That's right. We never apologize to making money.

553
00:38:54,440 --> 00:38:56,799
Speaker 5: That's a way in business for it, that's right. But

554
00:38:56,920 --> 00:38:59,279
Speaker 5: you also don't want to be a predatory Linda, and

555
00:38:59,280 --> 00:39:02,440
Speaker 5: you don't want to take a that's correct. But then

556
00:39:02,480 --> 00:39:05,200
Speaker 5: when you don't want to lend somebody money that can't

557
00:39:05,200 --> 00:39:08,040
Speaker 5: pay it back, that's right. But then you also want

558
00:39:08,080 --> 00:39:12,080
Speaker 5: to get people opportunities that doesn't necessarily have opportunity somewhere.

559
00:39:11,760 --> 00:39:12,520
Speaker 7: Else, that's right.

560
00:39:13,120 --> 00:39:15,439
Speaker 4: So great question, how do you walk that line?

561
00:39:15,440 --> 00:39:16,920
Speaker 7: All right? So I'm gonna give you a quick analogy.

562
00:39:17,200 --> 00:39:21,400
Speaker 7: So I come from the media space, television media space.

563
00:39:21,840 --> 00:39:25,719
Speaker 7: You all are familiar with the Nelson ratings, right, and

564
00:39:25,840 --> 00:39:29,920
Speaker 7: Nelson ratings really you know, you know, kind of identify

565
00:39:30,719 --> 00:39:35,440
Speaker 7: the important or the successful shows that exist across the country.

566
00:39:35,520 --> 00:39:35,719
Speaker 2: Right.

567
00:39:36,040 --> 00:39:41,400
Speaker 7: Do you guys know anyone anyone that has an actual

568
00:39:41,760 --> 00:39:47,440
Speaker 7: Nelson box in their house? Right? You know? No? I

569
00:39:47,440 --> 00:39:52,680
Speaker 7: don't either, Right. So that is a metric that media

570
00:39:52,960 --> 00:40:00,120
Speaker 7: uses to identify qualified, incredible content, But we don't know

571
00:40:00,920 --> 00:40:06,960
Speaker 7: how those programs are identified or rated. Okay. In the

572
00:40:07,000 --> 00:40:12,759
Speaker 7: banking space, we're judged on credit right now. Credit is

573
00:40:12,800 --> 00:40:18,520
Speaker 7: a good barometer to use for you know, ninety percent

574
00:40:19,360 --> 00:40:23,480
Speaker 7: of the community on whether you pay your bills, how

575
00:40:23,520 --> 00:40:25,480
Speaker 7: often you pay your bills, you pay them on time.

576
00:40:26,160 --> 00:40:29,879
Speaker 7: But I think, me personally, there are other metrics that

577
00:40:30,080 --> 00:40:33,879
Speaker 7: we should in the banking industry be using that we

578
00:40:33,960 --> 00:40:41,319
Speaker 7: plan on using to identify qualified and credible sources that

579
00:40:41,400 --> 00:40:46,680
Speaker 7: we would say, hey, Rashard Greenwood will stick their neck

580
00:40:46,719 --> 00:40:51,319
Speaker 7: out on the line to loan earn your leisure X

581
00:40:51,400 --> 00:40:56,680
Speaker 7: number dollars to build a bigger and broader media business

582
00:40:56,880 --> 00:41:00,120
Speaker 7: that you're building. Okay, there are other things that I

583
00:41:00,120 --> 00:41:06,320
Speaker 7: believe that bankers should look at outside of purely credit

584
00:41:07,000 --> 00:41:14,040
Speaker 7: to identify qualified borrowers, and we are going to kind

585
00:41:14,040 --> 00:41:16,440
Speaker 7: of do that at Greenwood.

586
00:41:16,960 --> 00:41:20,160
Speaker 3: It feels like there's this social responsibility in what you're saying,

587
00:41:20,680 --> 00:41:23,080
Speaker 3: and so is part of the products that you said,

588
00:41:23,080 --> 00:41:25,200
Speaker 3: Like you said, we have spending and savings products as

589
00:41:25,239 --> 00:41:28,640
Speaker 3: part of the products and education component when people are

590
00:41:28,680 --> 00:41:30,040
Speaker 3: applying to get these loans.

591
00:41:31,080 --> 00:41:34,960
Speaker 7: So so content, as you as you guys know, is

592
00:41:35,000 --> 00:41:41,840
Speaker 7: a part of our DNA. You know, I come from

593
00:41:42,640 --> 00:41:51,560
Speaker 7: the media space, so creating content to educate is important

594
00:41:51,960 --> 00:41:57,319
Speaker 7: for us, you know, looking at Earn your Leisure as

595
00:41:57,360 --> 00:42:04,160
Speaker 7: an example, which I believe is a bible to educating

596
00:42:04,280 --> 00:42:11,600
Speaker 7: our community. Uh, you know, and a resource for me

597
00:42:12,920 --> 00:42:17,520
Speaker 7: that is untraditional compared to you know, some of the

598
00:42:17,560 --> 00:42:21,680
Speaker 7: other programs that you may see on linear television for

599
00:42:21,680 --> 00:42:28,000
Speaker 7: for our community, right, I think utilizing content to educate

600
00:42:28,320 --> 00:42:35,600
Speaker 7: folks uh in a entertaining but but but uh educational

601
00:42:35,600 --> 00:42:40,040
Speaker 7: way is absolutely a way to to kind of educate

602
00:42:40,080 --> 00:42:43,400
Speaker 7: our community on on money.

603
00:42:44,280 --> 00:42:45,600
Speaker 2: Well, thank you for words.

604
00:42:47,200 --> 00:42:53,080
Speaker 5: So all right, the boarder directors, board of directors conversation.

605
00:42:53,920 --> 00:42:56,520
Speaker 5: Who is your board of directors? How important is it

606
00:42:56,560 --> 00:42:57,520
Speaker 5: to have a board of directors?

607
00:42:57,680 --> 00:43:01,120
Speaker 7: It's very important. So so I sit on the board,

608
00:43:02,120 --> 00:43:06,399
Speaker 7: Paul judges on our board. Bo Young investor Andrew young

609
00:43:06,480 --> 00:43:11,160
Speaker 7: Son is on the board. And there are two other

610
00:43:11,239 --> 00:43:15,000
Speaker 7: individuals a part of our board that are part of

611
00:43:15,040 --> 00:43:19,040
Speaker 7: our Series A investment investment community, and we selected those

612
00:43:19,040 --> 00:43:23,520
Speaker 7: individuals not just because they are in the banking community,

613
00:43:23,680 --> 00:43:26,480
Speaker 7: but because they have resources in the digitals, in the

614
00:43:26,520 --> 00:43:29,440
Speaker 7: digital banking space. As I mentioned earlier in our in

615
00:43:29,480 --> 00:43:36,360
Speaker 7: our series in our Angel Investment round, in our Series

616
00:43:36,400 --> 00:43:42,080
Speaker 7: A round, it wasn't just about receiving a check from

617
00:43:42,200 --> 00:43:46,960
Speaker 7: certain individuals. It was money is always important. As you

618
00:43:47,000 --> 00:43:50,840
Speaker 7: mentioned Rashad that you know we're running a business, so

619
00:43:50,920 --> 00:43:53,600
Speaker 7: money you need capital to run the business, but it's

620
00:43:53,680 --> 00:43:59,719
Speaker 7: also about partnering with the right individuals who have resources

621
00:43:59,800 --> 00:44:03,759
Speaker 7: that can help your business grow and develop. So our

622
00:44:04,640 --> 00:44:09,400
Speaker 7: our border directors not just are include individuals who have

623
00:44:09,600 --> 00:44:12,279
Speaker 7: capital and access to capital to help our business grow,

624
00:44:12,360 --> 00:44:16,240
Speaker 7: but also have resources as well. So it's always selecting

625
00:44:16,280 --> 00:44:20,040
Speaker 7: the right partnerships. In my personal opinion, that's as equal

626
00:44:20,080 --> 00:44:24,360
Speaker 7: as important as as the capital. So our our border

627
00:44:24,400 --> 00:44:30,080
Speaker 7: directors are important not just to help the business to

628
00:44:30,160 --> 00:44:32,120
Speaker 7: start the business, but also help it grow as well.

629
00:44:33,800 --> 00:44:37,239
Speaker 5: All right, So you guys are online bank. What is

630
00:44:37,239 --> 00:44:40,600
Speaker 5: the difference between online and physical obviously physical locations, but

631
00:44:41,280 --> 00:44:43,520
Speaker 5: I'm assuming that you didn't want to do the physical

632
00:44:43,520 --> 00:44:46,279
Speaker 5: bank because it's a lot more overhead and it's a

633
00:44:46,320 --> 00:44:49,280
Speaker 5: lot harder to manage than the online situation without.

634
00:44:49,239 --> 00:44:52,919
Speaker 7: Without a shoutout of doubt. So so you know, we

635
00:44:53,000 --> 00:44:56,480
Speaker 7: look at what we're doing at Greenwood as as a

636
00:44:56,520 --> 00:44:59,160
Speaker 7: bank in a box, okay, a digital bank in a

637
00:44:59,200 --> 00:45:06,280
Speaker 7: box where where you know, we're providing the same digital

638
00:45:06,320 --> 00:45:12,120
Speaker 7: experience or banking experience as traditional banks, but we believe

639
00:45:12,200 --> 00:45:16,840
Speaker 7: that we're providing a more authentic service for our community

640
00:45:17,200 --> 00:45:21,200
Speaker 7: without the overhead, without the brick and mortar overhead that

641
00:45:21,719 --> 00:45:30,319
Speaker 7: traditional banks, traditional financial institutions have. So those additional expenses

642
00:45:32,040 --> 00:45:37,360
Speaker 7: drive the cost of doing business up right, So you

643
00:45:37,440 --> 00:45:40,520
Speaker 7: take a look at your business. Earn your leisure as

644
00:45:40,560 --> 00:45:47,720
Speaker 7: an example, You guys gather and create content, from my understanding,

645
00:45:48,360 --> 00:45:55,160
Speaker 7: not necessarily in a set structure that you have hundreds

646
00:45:55,200 --> 00:46:00,160
Speaker 7: of employees that you where you gather the content and

647
00:46:00,239 --> 00:46:03,080
Speaker 7: other services that you provide in a brick and mortar space.

648
00:46:03,640 --> 00:46:08,520
Speaker 7: You guys go and you go get the content and

649
00:46:08,560 --> 00:46:11,959
Speaker 7: go craft the content and go to the people where

650
00:46:11,960 --> 00:46:16,040
Speaker 7: they are. That's what we're doing. We are meeting our

651
00:46:16,160 --> 00:46:21,920
Speaker 7: customer where he or she is, not necessarily having our

652
00:46:22,000 --> 00:46:28,080
Speaker 7: customer come to where they think we should be. So

653
00:46:28,400 --> 00:46:33,840
Speaker 7: to me, at us, that's a more important way of

654
00:46:33,880 --> 00:46:35,160
Speaker 7: providing banking services.

655
00:46:35,200 --> 00:46:37,160
Speaker 3: So you guys, obviously you started with the capital to

656
00:46:37,160 --> 00:46:39,200
Speaker 3: get the bank and said series as funding.

657
00:46:39,880 --> 00:46:42,680
Speaker 2: Then you had the board that you put together.

658
00:46:42,960 --> 00:46:45,839
Speaker 7: Every business that I've built, as I mentioned earlier, has

659
00:46:45,880 --> 00:46:53,880
Speaker 7: been built around best in class executive talent. There's you know,

660
00:46:54,320 --> 00:47:05,960
Speaker 7: there is no sustainable business that will thrive without individuals

661
00:47:06,000 --> 00:47:09,319
Speaker 7: one who are best in class and have done what

662
00:47:09,640 --> 00:47:16,600
Speaker 7: you're paying them to do for for some time. So

663
00:47:16,600 --> 00:47:22,200
Speaker 7: so you know, I knew that there is there is competent,

664
00:47:22,719 --> 00:47:27,200
Speaker 7: incredible banking talent that worked at traditional fies and worked

665
00:47:27,239 --> 00:47:34,760
Speaker 7: at other challenger banks that understood our mission and our motive.

666
00:47:35,280 --> 00:47:40,520
Speaker 7: And I I make folks offers that they can't refuse

667
00:47:41,520 --> 00:47:45,239
Speaker 7: candidly speaking, So so you know, you know, I I

668
00:47:45,920 --> 00:47:51,360
Speaker 7: sold the fact that that we're authentic, that we're providing

669
00:47:51,719 --> 00:47:56,600
Speaker 7: a service that hadn't been provided to our community, that

670
00:47:56,840 --> 00:48:02,600
Speaker 7: we were going to make history. Uh And and you know,

671
00:48:02,760 --> 00:48:08,520
Speaker 7: I I believe that there was a community of minority

672
00:48:08,600 --> 00:48:13,640
Speaker 7: banking individuals and talent that that wanted to participate in

673
00:48:13,680 --> 00:48:16,200
Speaker 7: our in our mission and what we were building, and

674
00:48:16,239 --> 00:48:17,000
Speaker 7: that's what happened.

675
00:48:17,080 --> 00:48:20,200
Speaker 5: So like the debit card, well people be able to

676
00:48:20,239 --> 00:48:22,319
Speaker 5: use that ATM machines, And how does that work since

677
00:48:22,360 --> 00:48:24,279
Speaker 5: you don't have ATM machine like they go to like

678
00:48:24,360 --> 00:48:26,200
Speaker 5: Chase and then they get charged like a fee for

679
00:48:26,400 --> 00:48:27,319
Speaker 5: using it a Chase yep.

680
00:48:27,400 --> 00:48:34,440
Speaker 7: So So so we have partnerships ATM partnerships with Truest,

681
00:48:35,960 --> 00:48:41,279
Speaker 7: with P and C, with Wells Fargo, UH with All

682
00:48:41,360 --> 00:48:45,000
Speaker 7: Points and Money Pass. So I'm proud to announce we

683
00:48:45,120 --> 00:48:54,520
Speaker 7: have the widest broadest swath of free UH service use

684
00:48:54,719 --> 00:48:58,520
Speaker 7: of ATMs across the country. So so the you do

685
00:48:58,640 --> 00:49:03,080
Speaker 7: you there are no charge for any of our customers at.

686
00:49:03,120 --> 00:49:08,440
Speaker 4: Those locations locations so in that.

687
00:49:08,440 --> 00:49:12,560
Speaker 7: Those locations are growing weekly. So we are making other

688
00:49:12,600 --> 00:49:16,759
Speaker 7: deals with other banking institutions to even grow that that

689
00:49:16,920 --> 00:49:17,640
Speaker 7: service in that way.

690
00:49:17,760 --> 00:49:20,759
Speaker 3: From from a technology standpoint, what kind of technology can

691
00:49:20,800 --> 00:49:23,520
Speaker 3: we expect from Greenway. I know, like some some things

692
00:49:23,520 --> 00:49:24,920
Speaker 3: they have where you can take the picture of the

693
00:49:24,960 --> 00:49:26,839
Speaker 3: check and it's directly deposited. I know, we can use

694
00:49:27,280 --> 00:49:29,480
Speaker 3: uh zell and we can use cash up by these

695
00:49:29,520 --> 00:49:31,640
Speaker 3: things that will all be a part of the green situation.

696
00:49:32,160 --> 00:49:35,879
Speaker 7: Yep, yep. So so from the technology side, so we're

697
00:49:36,280 --> 00:49:41,400
Speaker 7: we're starting uh, best in class full service banking in

698
00:49:41,440 --> 00:49:46,640
Speaker 7: your hand. Uh As I mentioned Apple and Android pay,

699
00:49:47,239 --> 00:49:53,200
Speaker 7: we'll have we have over a thousand uh ATM locations

700
00:49:53,920 --> 00:49:58,719
Speaker 7: at the moment today early pay. Uh so all of

701
00:49:58,760 --> 00:50:04,120
Speaker 7: the digital services that our competitors have, Greenwood have as well.

702
00:50:04,600 --> 00:50:07,080
Speaker 4: So how do you see people using it? So obviously

703
00:50:07,200 --> 00:50:07,960
Speaker 4: it's not open yet.

704
00:50:07,960 --> 00:50:09,560
Speaker 5: When it's open, I'm definitely gonna have an account, but

705
00:50:09,680 --> 00:50:12,040
Speaker 5: right now I have chases my main account, and I

706
00:50:12,040 --> 00:50:15,200
Speaker 5: have capital one. I was like online savings, just a

707
00:50:15,239 --> 00:50:19,400
Speaker 5: slightly higher interest rate. That's kind of like how I

708
00:50:19,440 --> 00:50:22,040
Speaker 5: have like my banking set up. How do you envision

709
00:50:22,080 --> 00:50:25,040
Speaker 5: for people to use Greenwood do you use it? Do

710
00:50:25,080 --> 00:50:27,799
Speaker 5: you envision I'm using that as their primary bank, as

711
00:50:27,880 --> 00:50:30,200
Speaker 5: a bank that they have some money in, as a bank,

712
00:50:30,280 --> 00:50:33,080
Speaker 5: that they have online savings, all of the above. Like

713
00:50:33,120 --> 00:50:35,520
Speaker 5: what is your idea of how Greenway can be using

714
00:50:35,560 --> 00:50:36,560
Speaker 5: a bank portfolio?

715
00:50:36,760 --> 00:50:43,759
Speaker 7: Yep, great question. So we're building Greenwood for users in

716
00:50:44,040 --> 00:50:53,800
Speaker 7: our community, an authentic digital banking experience for our community.

717
00:50:54,000 --> 00:51:02,520
Speaker 7: We don't envision the entire minority community to leave right

718
00:51:03,080 --> 00:51:07,080
Speaker 7: there their banking institutions that they currently bank in. I

719
00:51:07,120 --> 00:51:12,160
Speaker 7: personally have three banks that I that I bank at.

720
00:51:13,040 --> 00:51:18,000
Speaker 7: But Greenwood is a more authentic banking experience for our community.

721
00:51:18,280 --> 00:51:25,319
Speaker 7: Greenwood is a a a banking institution that will provide

722
00:51:26,160 --> 00:51:33,920
Speaker 7: other opportunities, mainly for African American and minority business owners,

723
00:51:34,480 --> 00:51:38,719
Speaker 7: right to have access to capital to build personal and

724
00:51:38,920 --> 00:51:44,400
Speaker 7: professional goals and dreams. That there are other financial institutions,

725
00:51:44,600 --> 00:51:50,160
Speaker 7: more traditional banking institutions don't currently uh, they don't currently

726
00:51:50,280 --> 00:51:57,160
Speaker 7: utilize those relationships for so so we envision for our

727
00:51:57,200 --> 00:52:00,640
Speaker 7: community to look at us as an additional resource right

728
00:52:00,800 --> 00:52:07,440
Speaker 7: from a business perspective, to have access to capital personally

729
00:52:07,880 --> 00:52:09,160
Speaker 7: and professionally.

730
00:52:10,120 --> 00:52:12,640
Speaker 3: So, I know you spoke about the spending and saving product,

731
00:52:13,000 --> 00:52:16,080
Speaker 3: the lending product, and credit products, but I was intrigued

732
00:52:16,080 --> 00:52:17,960
Speaker 3: because you said that there's going to be investment products,

733
00:52:18,000 --> 00:52:19,600
Speaker 3: and so I'm thinking, and I've seen a lot of

734
00:52:19,640 --> 00:52:22,840
Speaker 3: financial institutions do this now where you can invest directly

735
00:52:22,880 --> 00:52:26,040
Speaker 3: into the stock market through your account or even I'm thinking, now,

736
00:52:26,280 --> 00:52:27,960
Speaker 3: what is the role that crypto will play in green

737
00:52:27,960 --> 00:52:29,759
Speaker 3: What is that something that you guys are looking to

738
00:52:30,160 --> 00:52:32,200
Speaker 3: include and when you fully launch.

739
00:52:32,200 --> 00:52:35,600
Speaker 7: Yep, not when we fully launch, no, no. So we

740
00:52:35,640 --> 00:52:40,279
Speaker 7: will start with as I mentioned, debit is spending account right,

741
00:52:40,560 --> 00:52:45,280
Speaker 7: and then we'll roll into credit. Then lending in crypto

742
00:52:45,440 --> 00:52:47,440
Speaker 7: is a what we call a fast follow.

743
00:52:48,200 --> 00:52:48,520
Speaker 2: Uh.

744
00:52:48,600 --> 00:52:53,440
Speaker 7: So we're building our crypto products now as we're building

745
00:52:53,520 --> 00:52:59,720
Speaker 7: our credit right products and our investing are our credit

746
00:53:00,239 --> 00:53:02,480
Speaker 7: and investing in lending products as well.

747
00:53:02,560 --> 00:53:04,840
Speaker 3: Yeah, one of the things that you said that you

748
00:53:04,840 --> 00:53:06,440
Speaker 3: were going to do is this community involvement. I know

749
00:53:06,480 --> 00:53:08,480
Speaker 3: that's a big part of what you're doing, and I

750
00:53:08,520 --> 00:53:11,920
Speaker 3: was reading that every time every person that signs up,

751
00:53:11,920 --> 00:53:13,880
Speaker 3: there's gonna be five meals that's given out and you

752
00:53:13,960 --> 00:53:14,640
Speaker 3: partner with GOODA.

753
00:53:14,960 --> 00:53:18,240
Speaker 2: That's our girl, Jasmine croch out to alumni.

754
00:53:18,760 --> 00:53:20,920
Speaker 3: But also I think I believe ten thousand dollars a

755
00:53:20,960 --> 00:53:22,640
Speaker 3: month is going to go to a small business.

756
00:53:22,880 --> 00:53:24,080
Speaker 2: Can you talk about that lot yep.

757
00:53:24,120 --> 00:53:27,960
Speaker 7: The recirculation of capital, as I mentioned, is one of

758
00:53:28,000 --> 00:53:33,520
Speaker 7: our major missions. I mentioned earlier that the reason that

759
00:53:34,000 --> 00:53:38,680
Speaker 7: the Greenwood District in Tulsa, Oklahoma thrived and was so

760
00:53:38,680 --> 00:53:46,080
Speaker 7: successful is because capital recirculated amongst multiple businesses multiple times

761
00:53:46,680 --> 00:53:52,439
Speaker 7: in that community. So we have at Greenwood a give

762
00:53:52,520 --> 00:53:59,640
Speaker 7: back program where our customers have the opportunity to round

763
00:53:59,719 --> 00:54:05,520
Speaker 7: up they're change right and make a purchase. They're rounded

764
00:54:05,640 --> 00:54:11,240
Speaker 7: change can either go to the naacp U, n CF Gooder,

765
00:54:12,719 --> 00:54:19,800
Speaker 7: or a combination of all of those organizations per per swipe.

766
00:54:20,480 --> 00:54:26,080
Speaker 7: So our goal is to create even a water wider

767
00:54:26,360 --> 00:54:32,160
Speaker 7: swath of businesses that we want to participate in that program.

768
00:54:32,280 --> 00:54:36,080
Speaker 7: The second thing that we're doing is we're identifying every month,

769
00:54:36,640 --> 00:54:42,840
Speaker 7: as I mentioned, African American businesses that we want to

770
00:54:42,920 --> 00:54:49,319
Speaker 7: deploy capital too in ten thousand dollars increments. So we

771
00:54:49,400 --> 00:54:54,200
Speaker 7: have a program that will start this fall where we

772
00:54:54,680 --> 00:55:01,560
Speaker 7: are deploying ten thousand dollars to that identified businessiness. And

773
00:55:01,560 --> 00:55:05,279
Speaker 7: in fact we gave our first check too. We could

774
00:55:05,280 --> 00:55:10,120
Speaker 7: have checked the T's Barbershop in Tulsa, Oklahoma last month

775
00:55:10,320 --> 00:55:15,560
Speaker 7: as the inaugural minority business UH to start that program.

776
00:55:15,640 --> 00:55:18,120
Speaker 3: Is that something that you plan on doing continuously? We

777
00:55:18,360 --> 00:55:20,040
Speaker 3: were actually in to so we spent some days out

778
00:55:20,080 --> 00:55:23,560
Speaker 3: there on the hundredth anniversary of the massacre and we

779
00:55:23,640 --> 00:55:25,000
Speaker 3: got to speak to the locals and one of the

780
00:55:25,040 --> 00:55:26,719
Speaker 3: things that they were saying is like, we need more.

781
00:55:26,640 --> 00:55:27,319
Speaker 2: People to come back.

782
00:55:28,040 --> 00:55:29,800
Speaker 3: Is that something that green would obviously be in the

783
00:55:29,880 --> 00:55:32,759
Speaker 3: name is You're making considered efforts to make sure that

784
00:55:32,760 --> 00:55:34,600
Speaker 3: that is those people are taking care of as.

785
00:55:34,480 --> 00:55:36,600
Speaker 7: Well without a shadow of a doubt. I mean that

786
00:55:36,600 --> 00:55:41,680
Speaker 7: that that community is at the core in the heart

787
00:55:42,400 --> 00:55:46,200
Speaker 7: of what we represent. It's not just from a namesake perspective,

788
00:55:46,480 --> 00:55:55,080
Speaker 7: it's also too Turmshod part of our DNA. The recirculation

789
00:55:55,200 --> 00:56:00,359
Speaker 7: of capital again, I can't harp on that enough is

790
00:56:00,840 --> 00:56:04,440
Speaker 7: really the life bread of what of what Greenwood is

791
00:56:04,440 --> 00:56:08,560
Speaker 7: all about. Deploying capital in the community is what we

792
00:56:08,640 --> 00:56:14,080
Speaker 7: are We're all about. You mentioned rishard predatory lending, you know,

793
00:56:14,160 --> 00:56:18,080
Speaker 7: thwarting predatory lending is what is what we are all about.

794
00:56:19,239 --> 00:56:25,160
Speaker 7: And those three nuances all existed in Greenwood, uh, and

795
00:56:25,280 --> 00:56:27,960
Speaker 7: it was the reason why that community was successful and

796
00:56:28,040 --> 00:56:30,200
Speaker 7: is the reason why I believe we will be as well.

797
00:56:30,640 --> 00:56:33,319
Speaker 5: So when it when is it gonna launch? And I

798
00:56:33,360 --> 00:56:34,719
Speaker 5: know a lot of people is on a waiting list.

799
00:56:34,800 --> 00:56:36,800
Speaker 5: Right now you're talking to me o camera about the

800
00:56:36,800 --> 00:56:39,080
Speaker 5: different phases that you have to go through the launch, So, yeah,

801
00:56:39,200 --> 00:56:41,320
Speaker 5: what's the what's the what's the phases for the launch.

802
00:56:41,880 --> 00:56:45,840
Speaker 7: So so we have close to six hundred thousand people

803
00:56:46,280 --> 00:56:52,680
Speaker 7: on our waiting list currently. So we have three separate phases.

804
00:56:53,280 --> 00:56:58,759
Speaker 7: There is a a an alpha release where we uh

805
00:56:59,000 --> 00:57:02,799
Speaker 7: test our product to a certain number of people. There's

806
00:57:02,840 --> 00:57:07,799
Speaker 7: a beta process where we test our product to a

807
00:57:07,840 --> 00:57:11,880
Speaker 7: wider swath of individuals in our community. And then there's

808
00:57:12,160 --> 00:57:17,960
Speaker 7: there's a limited release where we basically open the rest

809
00:57:18,040 --> 00:57:22,000
Speaker 7: of the community up to our products. So by the

810
00:57:22,160 --> 00:57:29,760
Speaker 7: end of this year, we should have our our community

811
00:57:30,080 --> 00:57:34,960
Speaker 7: fully engaged in our Greenwood products. Next year start the

812
00:57:35,000 --> 00:57:38,360
Speaker 7: start of twenty two is when we'll open up Greenwood

813
00:57:38,680 --> 00:57:41,520
Speaker 7: to the community as a whole.

814
00:57:41,760 --> 00:57:45,400
Speaker 2: And that that's true for the United States right right now?

815
00:57:46,080 --> 00:57:47,840
Speaker 2: Only is it the continental United States.

816
00:57:47,760 --> 00:57:48,720
Speaker 7: Kind of the United States?

817
00:57:48,720 --> 00:57:51,400
Speaker 3: Okay, that's a good question, right right, So because I

818
00:57:51,400 --> 00:57:53,360
Speaker 3: know we I mean, it's not just African American, but

819
00:57:53,400 --> 00:57:55,760
Speaker 3: the Latin ex community. So I'm thinking Puerto Rico, I'm

820
00:57:55,760 --> 00:57:58,720
Speaker 3: thinking Dominican Republic, a lot of these places that would

821
00:57:58,800 --> 00:58:00,960
Speaker 3: need this type of service. Is that something that we're

822
00:58:01,000 --> 00:58:02,760
Speaker 3: looking forward to in the future without a.

823
00:58:02,720 --> 00:58:07,120
Speaker 7: Shadow of doubt. So, you know, we are as a

824
00:58:07,160 --> 00:58:13,640
Speaker 7: culture and a community, a global culture in community that

825
00:58:14,080 --> 00:58:20,680
Speaker 7: I believe needs access to capital, you know, globally, just

826
00:58:20,760 --> 00:58:24,120
Speaker 7: as we need access to capital from a continental United

827
00:58:24,120 --> 00:58:29,440
Speaker 7: States perspective, so as as we as we go and grow,

828
00:58:29,960 --> 00:58:34,280
Speaker 7: so will our products across across the pond if you will,

829
00:58:35,720 --> 00:58:37,000
Speaker 7: you know, across the globe.

830
00:58:37,480 --> 00:58:39,880
Speaker 4: Right, what can you say that people that you know?

831
00:58:40,520 --> 00:58:42,800
Speaker 5: You know people, we have a hard time trusting each other,

832
00:58:43,800 --> 00:58:45,840
Speaker 5: especially when it comes to money, So like, what kind

833
00:58:45,840 --> 00:58:48,400
Speaker 5: of reinsurance can you give the people? Everybody's going to

834
00:58:48,720 --> 00:58:50,400
Speaker 5: it's never going to be an issue, it's not issues.

835
00:58:50,440 --> 00:58:52,760
Speaker 5: There's always gonna be issues, problems or things. That's just

836
00:58:52,840 --> 00:58:55,680
Speaker 5: part of the game. But you know, to try to

837
00:58:55,760 --> 00:58:57,439
Speaker 5: let them know that you know, you're here to help

838
00:58:57,480 --> 00:58:59,360
Speaker 5: and you're not going to be, you know.

839
00:59:00,120 --> 00:59:02,640
Speaker 4: Part of the problem. As far as like predatory lending,

840
00:59:02,720 --> 00:59:03,760
Speaker 4: high interview stuff like that.

841
00:59:03,760 --> 00:59:07,400
Speaker 7: That's a great question. I think. To answer that question,

842
00:59:08,440 --> 00:59:13,960
Speaker 7: I have to let my personal history and track record

843
00:59:15,360 --> 00:59:21,160
Speaker 7: in business kind of speak for itself. As I mentioned

844
00:59:21,200 --> 00:59:25,920
Speaker 7: earlier on, you know, I started my professional career in

845
00:59:26,000 --> 00:59:30,880
Speaker 7: the entertainment in the music entertainment space, and I prided

846
00:59:30,960 --> 00:59:38,760
Speaker 7: myself on creating consistent quality products in the in the

847
00:59:38,800 --> 00:59:43,560
Speaker 7: in the music business. Then that devetailed in the creating

848
00:59:43,880 --> 00:59:50,960
Speaker 7: products in media. My stint at at Turner Broadcasting and

849
00:59:51,440 --> 00:59:58,520
Speaker 7: Bounce TV, where I created uh credible in quality media

850
00:59:58,640 --> 01:00:02,640
Speaker 7: content for the f An American community, which then in

851
01:00:02,720 --> 01:00:10,760
Speaker 7: turn devetailed into me launching Greenwood a platform, a technology company,

852
01:00:11,080 --> 01:00:14,120
Speaker 7: or released digital banking services for our community. In each

853
01:00:14,160 --> 01:00:18,320
Speaker 7: of the chapters of my life, I have created con

854
01:00:18,920 --> 01:00:24,200
Speaker 7: content that has been credible, that has been consistent, and

855
01:00:24,240 --> 01:00:29,800
Speaker 7: I think that has resonated authentically with our community. Say

856
01:00:30,280 --> 01:00:33,080
Speaker 7: what I've done in my other chapters is what I

857
01:00:33,160 --> 01:00:36,280
Speaker 7: plan on and I'm going to do do at Greenwood.

858
01:00:36,640 --> 01:00:40,040
Speaker 7: So as you mentioned, yes, there are there are hiccups.

859
01:00:40,280 --> 01:00:43,280
Speaker 7: You know there are there are hiccups at Bank of America,

860
01:00:43,880 --> 01:00:49,360
Speaker 7: there are banking hiccups at other African American banks and

861
01:00:49,400 --> 01:00:55,480
Speaker 7: other challenger banks. So you know problems occur. But know

862
01:00:55,720 --> 01:01:00,840
Speaker 7: that that I have over twenty five years, been consistent

863
01:01:01,160 --> 01:01:07,040
Speaker 7: and stood behind every product that I've I've created and

864
01:01:07,480 --> 01:01:11,160
Speaker 7: that I have released to my community, and Greenwood is

865
01:01:11,160 --> 01:01:11,640
Speaker 7: no different.

866
01:01:12,800 --> 01:01:16,200
Speaker 5: There you have it as an honor. What would you

867
01:01:16,200 --> 01:01:18,600
Speaker 5: like to lead the people with social media for Greenwood?

868
01:01:18,600 --> 01:01:20,840
Speaker 5: How can they get on the wait in lists? What's

869
01:01:20,880 --> 01:01:24,600
Speaker 5: what's all the information website, all that stuffy yees www.

870
01:01:25,160 --> 01:01:30,160
Speaker 7: Bangreenwood dot com. You know, you know, we are a

871
01:01:30,200 --> 01:01:36,080
Speaker 7: growing digital bank that will grow. You know. I want

872
01:01:36,880 --> 01:01:41,240
Speaker 7: you know, our community to understand that we are compassionate

873
01:01:41,320 --> 01:01:46,680
Speaker 7: and passionate about our mission, that that we are sincere,

874
01:01:47,200 --> 01:01:49,880
Speaker 7: and that we're going to continue to create products that

875
01:01:49,960 --> 01:01:57,640
Speaker 7: we believe resonate with with our community authentically consistently. And

876
01:01:58,040 --> 01:02:01,160
Speaker 7: I want to also mention that we're all about partnerships.

877
01:02:01,440 --> 01:02:04,880
Speaker 7: So it's an honor and pleasure to be again in

878
01:02:04,960 --> 01:02:09,600
Speaker 7: business with Earn your leisure and a partner with with

879
01:02:09,640 --> 01:02:13,720
Speaker 7: the products that you guys are are working on and growing.

880
01:02:14,080 --> 01:02:19,640
Speaker 7: As you know, what you're doing is important. And I

881
01:02:19,680 --> 01:02:25,480
Speaker 7: think that the more that African American and just minority

882
01:02:25,520 --> 01:02:32,280
Speaker 7: companies band together and work together, which doesn't happen that often,

883
01:02:32,480 --> 01:02:36,520
Speaker 7: but the more we can sit down and and and

884
01:02:36,720 --> 01:02:40,640
Speaker 7: create that bonding, the better I think we are as

885
01:02:40,640 --> 01:02:43,120
Speaker 7: a community and a culture as a whole.

886
01:02:44,080 --> 01:02:47,040
Speaker 4: There you have it, ladies and gentlemen, Troy housekeeping it

887
01:02:47,120 --> 01:02:47,520
Speaker 4: on well.

888
01:02:47,520 --> 01:02:49,840
Speaker 3: Congrats, congrats and thank you for opening up your home

889
01:02:49,880 --> 01:02:53,360
Speaker 3: for us. And congrats to Ambassador Andrew Young and Killer

890
01:02:53,400 --> 01:02:57,560
Speaker 3: Michael former lay Alma on this and amazing endeavor that

891
01:02:57,560 --> 01:02:59,680
Speaker 3: you guys have taken on and thank you for the

892
01:02:59,680 --> 01:03:00,360
Speaker 3: partner man.

893
01:03:00,800 --> 01:03:01,760
Speaker 2: We're looking forward to it.

894
01:03:02,000 --> 01:03:04,240
Speaker 3: And shout everybody on patreon dot com. That is our

895
01:03:04,280 --> 01:03:07,160
Speaker 3: product paid program. Obviously Tier five members you have access

896
01:03:07,160 --> 01:03:10,400
Speaker 3: to eyl University with over ten thousand members.

897
01:03:10,440 --> 01:03:10,960
Speaker 2: That's a lot, man.

898
01:03:11,000 --> 01:03:13,240
Speaker 3: I remember doing this and it was five hundred and

899
01:03:13,240 --> 01:03:16,120
Speaker 3: now at ten thousand, which tells you that the community

900
01:03:16,160 --> 01:03:18,160
Speaker 3: is growing, not only because of the information we're given,

901
01:03:18,240 --> 01:03:20,760
Speaker 3: but the information that you were also providing to each other.

902
01:03:20,760 --> 01:03:22,160
Speaker 3: So shout out to all the earners and shout out

903
01:03:22,160 --> 01:03:25,080
Speaker 3: to the merch team. We got some new stuff coming,

904
01:03:25,280 --> 01:03:27,320
Speaker 3: so be on the lookout for that. Love is love, y'all.

905
01:03:28,000 --> 01:03:31,320
Speaker 4: Peace, Thank you for rocking with us.

906
01:03:31,360 --> 01:03:32,120
Speaker 2: We see you next week.

907
01:03:32,160 --> 01:03:32,400
Speaker 4: Peace.

908
01:03:34,600 --> 01:03:39,840
Speaker 6: My graduates from my school being forced bad drop bag drop,

909
01:03:40,440 --> 01:03:42,840
Speaker 6: Mike drop bad drop drop.

910
01:03:53,800 --> 01:03:57,720
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911
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Speaker 7: How can you find amazing kind and it's fast easy.

912
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921
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922
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