2014 ANNUAL REPORT

disRUPT ThE cycLE

bREAk POvERTy

dEAR FRiENds:2014 was an extraordinary year.

Last year, thanks to you

Rubicon served nearly 4,000 people. Of the 1,039 people seeking employment, we placed 674 into jobs. The people we placed into jobs collectively earned $16.3 million.

We moved 273 families including 2,235 children, into housing.

We expanded services in southern Alameda County, at our Hayward site, and in west Contra Costa County, in Richmond. We started services in Oakland. Our new services in Hayward and in Oakland help families move off public benefits we help parents get jobs and housing.

We re-tooled, examining our theory of change which specific activities we need to undertake, to achieve our desired impact.

We did this because, quite simply, and tragically, after over four decades, we are not seeing the needle move on poverty in the communities we serve.

While the national poverty rate has seen peaks and valleys since registering at approximately 11% in 1973, the number of people facing poverty in the United States grew to 14.5%, or a staggering 45.3 million people, in 2013.

And if we turn our aspirations towards self-sufficiency standards we see even higher levels of need in our communities. In the East Bay, over 17% of adults are living below the self-sufficiency standard ($28,209 annually for 1 adult), and in some areas, this rate nears 23%.

Rubicon has benefitted the lives of thousands of people over its 40+ years. We are a strong, stable, accountable, high impact organization. However, we seek to have a lasting impact, break-ing the cycle of poverty. We want to change the way in which poverty fighting work happens, in a fundamental way.

With those aspirations, we undertook an intensive process to develop a new approach, and our strategic plan for 2015 2017. This included making some difficult but necessary changes to focus our resources on approaches that add the most value to our shared community even though these decisions result in our letting go of significant amounts of revenue.

We revised our mission statement:

Rubicon transforms East bay communities by equipping low-income people to break the cycle of poverty.

We recognize the boldness of our new mission, and the complexity of the efforts ahead. We fully appreciate that others have sought to achieve a mission that, if accomplished, would put them out of business.

We are humbled by our program participants, whose determi-nation to change course for themselves, their families, and their communities, inspires us each day. We are grateful to you for trusting in Rubicon to accompany you on your journey. You will see photos of a few of these people Sandra, Vernon, Faria in this report. We hope that you find as much inspiration in their expressions of triumph, joy, accomplishment, as we do.

We aspire to hold ourselves to the same level of determination and open-ness to change as our participants demonstrate. Our work will be difficult, and will take many more resources than we have at present. And we realize that our goals may seem lofty and unattainable. For all of these reasons, we are humble; yet, working with our allies, we remain hopeful that we will succeed.

Your partnership with Rubicon is more important than ever. We are grateful to you for joining us in transforming East Bay com-munities by equipping people to break the cycle of poverty.

Jane Fischberg President and Executive Director

3

iNTROdUciNg OUR NEw vALUEs:

We believe in the promise of fairness, equality and opportunity for all people. We collaborate with others who share our goals of dismantling institutional racism and the cycle of poverty, and we are committed to examining the role we play in perpetuating these systems. We hold ourselves accountable to these promises.

JUsTicEOur optimism and hope drive us to constantly seek justice. We think creatively about how to solve social problems. Our belief in our participants, staff, and community fuels our hope in achieving our mission to break the cycle of poverty. hOPE

We are responsive to the ever-evolving needs of the people we serve and the community in which we live. We humbly listen to our clients, our community and one another. The urgency of our work demands that we act boldly, and take risks, even if we make mistakes along the way.

hUmiLiTy

ONE missiON:To transform East Bay communities by equipping low-income people to break the cycle of poverty.

hOw:By acting on the new values we developed, Rubicon has conviction that we will achieve our mission and our vision.

4

iNcOmE: gETTiNg A JOb isNT ENOUgh Our community is full of hard-working people who still cant make ends meet. We arent interested in simply placing people into low wage jobs and declaring Mission Accom-plished we are passionate about equipping participants to successfully pursue career paths that will lead to enough income to support themselves and their families.

AssETs: shiFTiNg kNOwLEdgE iNTO AcTiON In todays economy, earning a good salary isnt enough. We need to know how to make our hard-earned money work for us. Rubicon is focused on working with participants to devel-op game changing asset building and money management skills that leverage their hard earned money to reach their definition of success.

cONNEcTiON: NO ONE PERsON OR ORgANizATiON cAN bREAk POvERTy ALONE Rubicon believes in community sufficiency. Regardless of our background, we all need positive social networks, mentors, allies, and collaborators to be as successful as possible in meeting our goals.

wELLNEss: hEALThy PEOPLE mAkE hEALThy cOmmUNiTiEs A holistic approach to health addresses the various factors that contribute to and keep people in poverty. Healthier people are equipped to make choices for themselves and their families that set up our whole community for success.

ONE Aim: To partner with the participants we serve, equipping them with the best services, tools, and resources possible on their path to prosperity.

whAT:After going through an intensive organization wide strategic planning process, Rubicon developed a program designed to break the complicated factors that cause poverty.

iNTROdUciNg OUR NEw PROgRAm dEsigN: + =

5

ONE cOmmUNiTy: No one person or organization can break the cycle of poverty. It takes many collaborators our participants, staff, partner organi-zations, donors, and supportersto transform the East Bay.

whO: participantSSandra, former Rubicon participant and current Rubicon staff

When I realized that we all need people to succeed, everything changed for me.

I first came to Rubicon to get support for a job but I didnt know about everything else, from substance abuse services, to legal help, to counseling.

But, I also found that its more than the programs or the services its the one-on-ones in the hallways, the check-ins with staff about the daily things that happen in your life. Staff have shared with me some of their life experiences and that helped me realize that the people that work at Rubicon have had some of the same experiences that I have gone through. A bell went off that said you can be successful. Even though people come from different backgrounds they can have similar experiences and they can support each other. I dont feel alone anymore.

Community means everything and everyone to me. We have to live together, we have to look out for one another.

Every decision that we make and every choice we make, affects everyone around us. The saying that I really like is hurt people hurt people and healed people heal people. The power of Rubicon is that it sees that, it understands how to work with people so that they can get to a place where they can go back to their community and do some healing work.

I have a brighter future now. Not only was I a participant, but now I am an employee of Rubicon. Theres no way I could turn back my dreams are too big. I can do anything I want to now, because I am connected. When youre connected the sky is the limit. Rubicon helped me look inside and bring out who I am. It started with Rubicon but I see that it is up to me to go back in to the community and give back. Stopping the cycle means setting the example. I wake up every day at 4:30am to be at work because I look forward to helping Rubicon trainees. Now, any opportunity I have to help a person change their lives, Im willing to take.

6

whO: StaFFJennifer, Rubicon staff

As a single mom, being from and living in the East

Bay, I feel so passionate about being part of building

up my community. I know Im not just helping the

individual Im working with Im helping their family.

I feel like Im paying it forward so that participants can reach their goals because people in my support network helped me reach mine. I feel like the only difference between me and our participants is that Ive had support networks. I want to be that for our participants part of their support networks.

I started working at Rubicon three years ago after being unemployed for five months. I had just received my Mas-ters degree and was beginning to get frustrated looking for work. Thanks to a connection I had with someone that worked at Rubicon, I started working as a career coach, and since then have been promoted twice first to the position of Rubicon Antioch site manager and now as the Director of the West County Reentry Resource Center.

Now that Im the Director of the Center, Im excited to extend that support network and collaborate with Rubicons partners to provide a hub of multi-faceted resources that have been needed in our community for so long. We help people coming out of incarceration get back to their life and their community. Richmond has a history of excellent service providers. The West County Reentry Resource Center is meant to be a place where they can come together under one roof and collaborate to make sure our community is thriving. No one organization can do it by themselves. The participants and our community really benefit when we collaborate.

ONE RUbicON: Transforming East Bay communities by equipping low-income people to break the cycle of poverty.

7

Rubicon has never subscribed to the belief that some lives matter less than others. They know that with intensive support in the hardest hit communities that positive change will occur. As a donor, we are proud to support Rubicon and the committed and resilient men and women who desire positive growth and transformation for their family and community.

Paul Morton, The Morton Foundation.

We value our relationship with Rubicon based on the quality of services it provides, the organizations innovative approaches to meeting community needs, and Rubicons ongoing willingness to partner effectively with others.

Chief Chris Magnus, Richmond Police Department

Rubicon partners with Rubys Place in a way that is sensitive to the needs of the people we serve. They have taken the time to get to know our program and our clients to ensure that they receive the services they need to live independently and safely.

Vera Ciammetti Executive Director of Rubys Place,

Homeless Shelter

STAND! for Families Free of Violence highly values our strong collaboration with Rubicon. Through this work we are able to make a critical difference in the lives of our clients who have been affected by family violence.

Gloria Sandoval, Executive Director, STAND

The work Rubicon Programs does is important in enhancing the lives of many within our community. Heffernan is proud to be a partner with Rubicon Programs and we value and admire the work that they do to help people achieve financial independence, personal empowerment, and more.

Melani Conti, Heffernan Insurance

Rubicons continuous, hands on, and meaningful workshops support participants, and are a great model in building a sustainable community.

Sophia Loh, Donor

As a Board member of Rubicon, I am truly honored by the hard work I see done by each individual that works at Rubicon. Rubicon is an organization that allows for anyone needing help to knock at the doors of the organization and many doors will open in providing training for productive lives.

Karen Norwood, Board Member

The Antioch Police Department partners with Rubicon because we have seen first-hand how their services positively impact the lives of those individuals who need services the most. As a Police Chief with 28 years in public safety, I have been extremely impressed with Rubicon staff and services as they are doing wonderful work in our community.

Chief Allan Cantando, Antioch Police Department

whO: partnErS

8

50%

38%

12%

FiNANciALs: FISCAL yEAR 2014 ASSETS AND LIABILITIES

Current Assets $4,749,116

Property and Equipment 9,549,587

Other Assets 1,077,380

Total Assets $15,376,083

Current Liabilities $3,526,792

Other Liabilities 5,786,240

Total Liabilities 9,313,032

Total Net Assets 6,063,051

Total Liabilities and Net Assets $15,376,083

REVENuE

Government Contracts $9,345,709

Earned Income 7,063,568

Grants and Contributions 2,133,264

Total Revenue $18,542,541

ExPENSES

Programs $12,630,971

Businesses 4,500,618

Administration 708,571

Fundraising 542,248

Total Expenses $18,382,408

REVENuE

Government Contracts

Earned Income

Grants and Contributions

Programs

Businesses

Administration

Fundraising

ExPENSES

69%

24%

3%

4%

9

$250,000-$999,999Tipping Point

Community

$100,000-$249,999East Bay Community

Foundation Lesher FoundationY&H Soda Foundation

$25,000-$99,999 Chevron Richmond RefineryVirginia DavisHedco FoundationKaiser Permanente East Bay Community

Benefit Program Mr. Charles SchwabRichmond Community

FoundationThe San Francisco

FoundationWalmart FoundationWells Fargo Bank

$10,000-$24,999Bank of the WestMaureen Kennedy and

Konrad AltSamuel Schuchat and

Ilana DeBarePaul LeonardThomas J. Long

FoundationThe Morton FoundationVan Lben Sels/

RembeRock Founda-tion

John and Ereca Shrewsberry

Single Stop USA, Inc.Union Bank of California

$5,000-$9,999First Republic BankJenn Bonilla and

Steve MyerJane Fischberg and

Dan RobinsonHeffernan Insurance

BrokersUnited Way of the

Bay Area

$1,000-$4,999Kerry Abbott and

Henry SigalRobert and Evelyn ApteAlma AzarconAlison BurkeBeth and Jamie BarrettRichard ChaconPhillip ClinardTimothy CombsImport Tile CompanyScott CrawfordRobert Creek and

Anita WoodJoanne and Terry DaleEdward Downer, III and

Yoshimi DownerKaren and Steve EllisNetwork for GoodJohn Ford and Toni

AyresATT FoundationSafeway FoundationThe Morrison &

Foerster Foundation Brian Fraser and

Karen DempseyPacific Gas and Electric

Company Andrew GaubatzHarrington Group,

CPAs, LLP

Jacquie GuzzoDaniel Higgins

and Maiya ShawSusan JohnsonMiriam JoscelynHolly KaneSteve Kaufhold and

Christy Richardson Laurance and

Deborah Kelley Alan KosanskyAmit Kurlekar and

Joanne Lee Margaretta Lin and

Rajiv Bhatia Sophia Loh and

Thomas Li Karen Kiyo-Lowhurst

and Daven Lowhurst Enterprise Fleet

ManagementThe Mechanics Bank Philip Monrad and

Molly Sullivan Susann and Louis

Nordrum NBBJKaren NorwoodCharles Olcott and

Laura Pochop Scott PolandCaroyln Schwab

Pomerantz and Gary Pomerantz

Greg and Alison Powell Dianne RoachJennifer Rose and

Richard HartLaura Trupin and

Beth Ross Elizabeth SchaafKatie Schwab Paige

and Matt Paige

Harry and Pat Sigworth Andy and Narda SkovBrynne and David Staley Richard and Jan

Stephenson Elizabeth and Bert Tuan Susan and Christopher

Willrich Emily and Danny Wu

$500-$999Mitchell AdamsLisa BarrowKelly CorriganRalph Cotter, IIITracy DeanKaren EichlerPatricia EnradoDr. Larry FranzFred Glass and

Maureen Katz Jay Goldman and

Mona Goldfine Lindy HahnRobert HerbstChristopher and Dee

HockettRob Hope and Sarah

Shanley HopeJonathan Jacobs and

Joy KolestskyPatricia KatesJudy KellyViktor ManriqueMarie MonradRobin Roy and Kathy Zoi Ruth RymerJane SperringKarla SpormannPaul StaleyAndrew Stoloff and

Leslie CraryRenske Van Staveren

Timothy WestEllen and Craig Whittom

$1-$499Kerry Haig AgigianMarci AlborghettiAngela AlexanderAbony and Nicholas

Alexander Deja AndersonLucy AnemoneDavid and Jill Anderson Erik Babcock and Lisa

Puntillo William and Joanne

Baker Matthew BallUS BankKimberly BarnesCassandra BenjaminDan BernieLiz BertkoLawrence BestCarol BethJohn Bliss and Kim

Thompson Renee BottJanis BrewerPamela BrownPorschea BrownChristopher

BuckleyJulia BusseyDave and Diana Butler Babette CantonBruce CaplanCarol and Robert Castaneda Lorraine CastilloGarlin CephasBerkleley Chamber

of CommerceSusan CieutatDeborah Clarett

mANy ThANks: The transformative work Rubicon does would not be possible without your generous donations. Our sincerest gratitude goes out to the following donors and sponsors:

10

Gisela and Donald Clemons

Tony ConsoleJames CookLois and Michael

Courchaine Miriam CovingtonLinda CruzCatherine DarceRuchira DattaJoe DeCredicoGordon DeppeKelly DunnFlorence ErikssonSuki-Rose EtterKaty FaixPhilip FarroccoKrista FechnerAmanda FeinsteinLeona FieldsJohn and Anna Ford The Clorox Company

Foundation Lisa FranklinMarianne FranksEda FreggiaroMonique FuentesBenevity Community

Impact Fund Charles GeerhartVanessa GeorgeMartin Gibb and Karen

Panico Cinda GillilandDorothy GoffTim HallahanCricket HalseyBill and Kathleen HammJohn HanawaltMarcia HatayeRuth Hawley Hillyard Inc.Sherry HirschChristina HolmesRachel Lee Holstein Tom HopeApril HopkinsRosanne Howell and

Cormac Smith

Andrew Huang and Elaine Tseng

Shireen HusainFrancesca JacobsonJacqueline Janet Jeannie JaramilloThe John Stewart

Company Barbara JohnsonNancy and William

Johnston Tina JungJUSTGIVEAlicia Kae Miller Caroline KelleyHolly Kernan and Mike

Woitala Tima KhatriMike KilpatrickShana KilpatrickAdrienne KimballMr. and Mrs. Thomas

KleinPhilip LaMereMartha LaboissiereJohn LauMary LawStephanie LawrenceZachary and Steffany

LeeJill LevineChristopher and

Madeline LiddicoatDiane LofgrenJay and Karen Leong Joe MacDonaldJenny MacdonaldLaura MaechtlenClaire MarcusBenjamin MartinezCarly MaskNancy McCaulouLisa McCrackenMegan McKeonCity Mechanical Inc. Daniel MejiaRobin Miller and Daniel

RossiCatherine Minor

Mariana MooreKarina MorenoJulie MozenaMSM Inc.Marsha MurringtonElizabeth MuthRichard and Ela

Newacheck Ride OaklandLiz Orlin and John Ifcher Mothusi PahlGerd PannkePatricia Paul Richard and Sharon

Pipkin David PontecorvoGeoffrey and Verity

PowellKimberly RaymundoWesley and Bora ReedMatthew RidenourGeorge RostLee SafranRob SakuraiHerbert SampleGuillermo Sandavol

CoustasseThomas Sander and

Laura Carter SanderArthur SandhuJack SawyerLouis SchusterChris ScrivaniRachel ShifrinDiana SmithRachael SmithRichard and Sally Smith Call SocketRobert and Althea

Soldano Robert SolotarMichael and Deborah

SosebeeJocelyn SperlingMorgan StanleyChad Stegeman and

Stacy LeeMargaret SyedDemetrio Tafoya

Lilian Tham and Hal Berman

Tami UnsworthSara ValkonenBonnie VasquezWessington

Ventures, LLCMarc VezinaAshley VinsonHelene WallaceCarole Watson United Way CA Capital

Region Patricia and Stanley Wells Lewis and Elma Ruth

White Frankie WhitmanRon WilsonPeter WilliamsSherry WilliamsRobert WuAbby Yim

In Kind DonationsDave and Diana Butler Deborah Clarett Holly Kane Whole Foods MarketKaren Norwood The Athenian SchoolCat Peers Smith Verizon Wireless

MatchUnion Bank of California Chevron Humankind

Employee Funds FairIsaacGoldman, Sachs & Co.

Matching United Way of Central

Maryland

We gratefully acknowledgethe generosity of our donors. If we inadvertentlymisspelled your name oromitted your gift, pleaseaccept our apologies andcontact us at 510.231.3994.

RUbicON PROgRAms bOARd OF diREcTORs ANd OFFicERsAs of June 2014

Amit Kurlekar, Chair Attorney

Lilian Asperin Clyman, Vice Chair Project Director WRNS Studios

Virginia Davis, Secretary Owner Virginias Live a Little

Deborah Clarett, Treasurer VP/Loan Services Center Manager Bank of Orient

Paul Leonard West Coast Director Center for Responsible Lending

Susann Nordrum GHG Integration Consultant Chevron Corporation

Karen Norwood Facilities Services Manager Kaiser Permanente, School of Allied Health

Scott Poland Vice President Wells Fargo Advisors

Jane Fischberg, President President and Executive Director Rubicon Programs

Kelly Dunn, Asst. Secretary General Counsel Director Rubicon Legal Services

Roger Contreras, Asst. Treasurer & CFO Chief Financial Officer Rubicon Programs

11

ONE RUbicON