As a complement to Social Screening and Shareholder Advocacy strategies, PAM offers clients the ability to make investments in programs that have direct social benefits. "High Impact" Social Investments From time to time, PAM Network brokers and their clients have access to unique investment opportunities with a high degree of social or environmental impact. Client investments provide capital to financially under-served communities and alternative investment projects. As examples, clients have recently invested in a state-of-the-art wind turbine company and have supported an established worker-owned cooperative that markets coffee and chocolate using "fair trade" practices. Social Purpose Investments Prudently Designed The PAM Network and the Calvert Social Investment Foundation have joined together to create PAM Community Investments, a national program in which investors can direct capital to low-income families and under served communities in the United States and internationally. The program provides investors with a convenient, effective way to invest in a professionally managed, multi-million dollar portfolio of innovative community development, low-income housing, and micro-credit loan funds. These Notes are only available through the PAM Network. Notes are being offered in amounts of $1000 and higher. Investors choose a rate of return from zero to three percent. Investments will be placed in a balanced portfolio of community development loan funds that help impoverished families and neighborhoods work their way out of poverty. Investors can earmark their investment to benefit a specific organization. Professional Management from the Calvert Foundation PAM Community Investments are administered by the Calvert Social Investment  Foundation.  This program is not a mutual fund. It should not be confused with any Calvert Group-sponsored investment product. Calvert Foundation is a registered 501(c)(3) charitable organization which acts as a professionally managed facility for investors to channel capital to disadvantaged communities. The program, though not FDIC insured, is protected by substantial loan loss and equity reserves, a $3 million debt cushion underwritten by the Ford and MacArthur Foundations, and Calvert Foundation's years of community investment management and analysis experience. Act Globally, Act Locally Funds are placed in a pool from which investments are made periodically with leading community investment intermediaries in the PAM Community Investments portfolio. The Portfolio is as diverse as the community development industry, combining organizations that offer micro credit lending, low-income housing, small business development, conservation-based development, health care, and other community development lending. Three of the funded programs are profiled below. The links take you to entries in the Calvert Foundation database of community programs: Accion International (Latin America) St. Ambrose Housing Aid Center (Baltimore, Maryland USA) Shared Interest (South  Africa) PAM Community Investments are offered by Information Guide. Investors should read the guide carefully before making an investment decision. The first step is to contact us to start the conversation. * PLEASE NOTE: The information being provided is strictly as a courtesy. When you link to any of these web-sites provided here, you are leaving this site. Progressive Asset  Management and Financial West Group make no representation as to the completeness or accuracy of information provided at these sites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, sites, information and programs made available through this site.  When you access one of these sites, you are leaving Progressive Asset  Management's web-site and assume total responsibility and risk for your use of  the sites you are linking to. [Home] [Financial Services] [Social Responsibility] [Screening] [Activism] [Community] [Access Your Account] [Articles] [Who We Are] [Contact Us] [Legal Notice] The Progressive Asset Management (PAM) Network serves as the socially responsible investment division of Financial West Group (FWG). Securities offered through and by Registered Representatives of Financial West Group, member NASD, SIPC. © 2006, Richard W. Torgerson