Chase Bank’s

Aces for ACE

Prepared for
The Dallas Chamber of Commerce

Prepared by

Enrique Pujol, Payal Shah, Kevin Nyatanga, Charles Ogoti, Adeel Surahio

JP Morgan Chase Bank

September 24, 2017

Table of Contents

1 Introduction 1

1.1 Chase 1

1.2 Commitment to the Dallas Community 1

2 The Problem 2

2.1 The Challenges Posed by Adverse Childhood Experiences (ACEs) 3

2.2 The Poverty and Obesity Correlation 3

2.3 Health and Wellness concerns for South Dallas Youth 4

2.4 Declining Community involvement 4

3 The Proposal 5

3.1 Goals 5

3.2 Plan 6

3.3 Schedule 7

3.4 Staffing 8

3.5 Budget 9

4 Conclusion 10

5 Authorization 11

6 References 12
1. Introduction
J.P. Morgan Chase Bank is one of the largest and most successful banks across the globe,
as well as one of the oldest financial institutions in the US dating back over 200 years.
Chase Bank has accumulated over $2.6 trillion in assets through its many global financial
services that operate in more than 60 countries worldwide. In 2016, JPMorgan Chase and
its Foundation gave nearly $250 million to nonprofit organizations across the U.S. and in
40 countries around the world. In addition, more than 50,000 of employees provided
325,000 hours of volunteer service in the communities where they live and work. (JP
Morgan Chase, 2017)

1.1 Chase
JPMorgan Chase Bank’s strong financial presence in the Dallas community reflects its
desires to be a strong leader in communities all around the US like Dallas. Chase’s
developments in the North Texas region, including corporate offices and Dallas’ signature
Chase Tower in the downtown district, provide employment to over 12,000 employees
over 16 different campuses. As Dallas’ ninth largest employer, giving back to the
community is a priority for JPMorgan Chase. We are investing over $325 million around
the world to push for new skill development around the world. This encompasses a five-
year plan, influencing our resources, expertise, and global reach to expand education for
young people – New Skills For Youth. This program includes $75 million global initiative to
expand a quality, career focused schooling programs that lead to secure, long-term, and
fruitful careers. More recently in 2016, JPMorgan Chase has also launched a $125 million
project called Partnerships for Raising Opportunity in Neighborhoods to help support and
edge local solutions for distressed neighborhoods in the US. (JP Morgan Chase & Co.,
2017)

1.2 Commitment to the Dallas Community

JPMorgan Chase Bank employees are dedicated to the community and have contributed
13,000 volunteer hours last year in Dallas alone. With this push for community
involvement, Chase is pursuing a combined effort with for non-profit Chase campaign
Return The Serve and City of Dallas to combat adverse childhood development in poverty
stricken South Dallas neighborhoods. (JP Morgan Chase & Co., 2017) The correlation
between youth wellness issues (obesity, violence rates, poor education) and poverty have

1
highlighted the need for change in South Dallas neighborhoods such as Oak Cliff. The
median household income for South Dallas families is $30,565, while crime rates are
significantly above the national average. The chance of being a victim of a violent crime
is 1 in 97, while the chance of being a victim of a property crime is 1 in 20 (AreaVibes,
2015).
With the decline in youth sports participation in the Dallas area since 2008 and poor
education standards, childhood health and education is just as much of a concern as crime
rates in South Dallas communities (LaFerney, 2016). Several Dallas organizations are
trying to curb obesity rates among children 18 and under. Dallas Independent School
District, United Way, and Cooper Institute are developing similar proposals to lead the
way under the established Dallas County Children’s Health and Eradication of Childhood
Obesity Initiative (Administrator, 2012). JPMorgan Chase would like to help remedy the
at-risk youth of South Dallas by improving the Kiest Tennis Center recreation facility
located in Oak Cliff. The goal of this project will be to provide a long-term solution that
can be permanently implemented to create a healthier, more involved community.

2. The Problem
Adverse childhood experiences (ACE) means that children have experienced traumatic
experiences in the forms of: social,
emotional, physical or even sexual pain. ACE
leads to increased risk of disorders in the
future for children. This disruption leads to
the adoption of health-risk behaviors,
disease and social problems (obesity), and
even early death throughout an at-risk
individual’s life (SAMHSA, 2017).
A study conducted by NSCH in 2011- 2012 suggested that children living with biological
parents had a lower chance of
experiencing a family experience.
Children living with a single parent
were 3 to 8 times likely to have an ACE
compared to both the parents. If
children, are in non-parental care were
about 1.5 to 2.5 times as likely
compared to a single parent. The study
says that children in the hands of the
nonparental care were about 5-17

2
times as likely to have ACE compared to both the parents; experiencing about five adverse
traumas (Bramlett, 2014).

2.1 The Challenges Posed by Adverse Childhood Experiences

(ACEs)
ACE influences children throughout their childhoods; leading up to adulthood. It shows
that if the base of their beginning isn't very strong, it tends to be very weak throughout.
There are numerous reasons why children face these problems:

 Harsh parenting and less attention given to children.

 Excessive criticism or brutal punishments
 Differentiating towards one child
 Marital conflict/Separation
(Anderson, 2014)
It is very essential children are given attention, love and care from the beginning to live a
healthy life in the future. Without a healthy life inside, these children deal with stress that
leads to anxiety, depression, and even obesity in children. Harsh parenting through
physical and emotional pain can make a child suicidal at a very young age. In a study
found: children who have had a minimum of four adverse childhood experiences; had a
higher tendency of harming themselves. This can also be a reason for poor academic
performances in children.
The problem about ACE is that it doesn't end during the childhood phase; it continues
throughout and effects individual's parenting.

2.2 The Poverty and Obesity Correlation

Poverty and Obesity are directly proportional to each other. The fact that snacks and
drinks are available easily and cheaply; people purchase these food items more often.
Higher obesity is linked with low education, minority status and low income. The more
educated a woman is, the more health conscious she tends to be. However, in this era,
obesity rates have steadily increased in both genders, educational levels, ages, and the
most in the minorities due to low incomes.
“Approximately one-third of U.S. children are overweight, and 16 percent are
obese."(Kimbro and Rigby). The problem is school lunches and other foods offered are
the main cause of this problem. Since, children tend to be at school most of the time;
schools must provide a proper diet for the children.

3
The most obese are women
below the poverty line at about
27% and then are the men
below poverty line at 23%. The
income level greater than or
equal to 4x have the lowest
obesity rate of 17% in men and
13% in women. Hence, the
results show that poverty and
the rate of obesity rate are
proportional to each other
(Stone, 2012).

2.3 Health and Wellness concerns for South Dallas Youth

Since the rates of obesity are increasing in children; there is a major concern. Schools have
not been engaging students in a lot of physical activities which is also a flaw in the system.
Another problem is that since children are told that their academic performances are
more important. They are unable to take care of their bodies and end up getting
overweight. Schools should promote fitness and health and start promoting it from a
young age. In 2007, physical fitness testing was conducted on all children in Texas from
grades 3-12. About 53.7%-95.1% of high school students did not have enough physical
activity for seven days. They didn't attend physical education classes. This suggests that
students must be monitored in school regarding their fitness (Agarwal, 2015).
A Texas "Request for Offer" process was used, and The Cooper Institute's FITNESSGRAM®
was selected as the statewide test. The teachers were trained to learn the software's,
data collections and proper processes to assess the fitness for the youth. Cooper was a
great progress for the children; they created "Our Kid's Health Foundation" for individual
and data collection on their fitness. The government has taken measures to help support
these children. However, providing proper education, providing a healthy diet and
healthy environment (home and school) will help the children to make the right decisions
in life (Bellis, et al., 2014).

2.4 Declining Community Involvement

The problem with this era is the lifestyles; people are very busy due to school, work and
other chores. It has become very hard to invest time and give back. Another factor is

4
greed; people tend to be greedy and want more and more. Their wants are never ending.
However, requiring community service for school/college projects have been a way for
children and adults to get in touch with the real world.
There are many ways to get involved:
 Work at a NGO
 Volunteering at hospitals/orphanages/old age homes
 Donating clothes/blankets/food
 Tutoring disabled kids
 Promote health/fitness/yoga

These are just a few ways to get involved. The community has done a lot for us. It's time
we do something for the community and do our part. We want to prevent obesity and
encourage fitness for children to have a better future and lives.

3. The Proposal
JPMorgan Chase Bank’s proposal is structured to specifically target the Oak Cliff youth
and spark change in other local South Dallas communities. This process will involve
creating supportive tennis programs (lessons, leagues, tournaments) along with
renovation of tennis facilities (lighting, courts, clubhouse, other utilities) as well as an
appropriate staff to run these activities. The budget for this project will be set to
accommodate such changes and additions to Kiest Tennis Center. Chase Bank will partner
with its own Return The Serve, a non-profit Chase initiative that focuses on providing
grants to local tennis organizations across America to aid in fund raising and event
planning.

3.1 Goals
A five-goal objective will be set in place in which the goals are to:

 Renovate the tennis facility and courts (such as resurfacing courts, tennis pro-shop
update to more comfortably accommodate guests, and upgrading equipment),
and provide Kiest Tennis Center with lasting youth activities, lessons, and events
 Create a supportive staff around the facility to promote growth in youth ability
and community. This includes coaches, pro-shop employees, facility management,
maintenance crews, and volunteers
 Host an annual fundraising event in partnership with the Return The Serve
campaign where families and kids can become more involved in the community

5
  Establish a lasting long-term presence in the Oak Cliff community. Keep the
community youth involved through tennis, health, and wellness
 Improve the overall quality of the Oak Cliff community and surrounding
elementary, middle, and high schools

3.2 Plan
The scope and feasibility of this project will ultimately be guided by budgeting and
fundraising to raise capital to build a new facility, courts, and to renovate existing features
for Kiest Tennis Center. In our plan, we will follow strict guidelines to equally emphasize
project risk management and general project effectiveness.
A checklist will be established to track the progress of the project:
- Zoning Rules and City Ordinance
- Inspections and Risk Assessment
- Project construction and management (building materials, equipment, labor)
- Merchandise and equipment acquisition (vendors)
- Staffing
- Events coordination and planning
- Leagues, activities, and lesson implementation
- Community Involvement

Planning tennis events, leagues, and lessons will be the projects underlying foundation.
With a partnership with the United States Tennis Association, Kiest Tennis Center will be
able to host weekly event that range from in-house tournament set up by the club’s
management, to more expert sanctioned Jr. level (18 and under) tournaments, to charity
events that will promote future improvements for the facility. Tennis tournaments
sanctioned by the United States Tennis Association (USTA) will encourage children of ages
5-18 in the South Dallas area to become more active and constructive in their
communities. Overall, the USTA creates a tennis community through both expert and
“for-fun” leagues that will further improve community cohesion.
Partnering with Return The Serve (RTS) will assist in overall fund-raising for the project.
RTS will host an annual fundraiser at Kiest Tennis Center where kids are invited to
participate in a friendly tennis tournament. Prizes (tennis rackets, shoes, apparel, gift
certificates, and trophies) will be awarded to top fundraiser participants. The Event will
be hosted on the weekend before Halloween in late October as a Halloween themed
event. Kids, parents, and friends are invited to dress up, enjoy food and drinks, play
games, and participate in the annual Return The Serve tennis tournament.

6
3.3 Schedule
Chase Bank’s three-phased implementation strategy is as follows:
Phase 1
Identifying the main areas of need is the first step of assessing feasibility of the project.
The main concern will be to invest in capital projects such as new tennis courts that the
center intends to build. We will also invest time in determining the challenges that the
center has faced in the recent past with respect to the day to day operational needs.
These factors will help us in confirming if our budget assessment is accurate. Next, we will
further evaluate the general park and needed facility repairs in addition to extra land
acquisitions for expansion purposes.
Phase 2
Once we have established the immediate and foreseeable future needs, we will then
embark of raising funds for the renovation and upgrading of the tennis courts and jogging
tracks. Our company undertakes to fund up to 65% of the initial repair and upgrade
budget and 7% will be publicly funded by the City of Dallas. Through our Company liaison
officers, we will endeavor to reach out to our business partners, vendors and suppliers to
raise sufficient funds to cover at least 15% of the budget requirements. In our
anticipation, the remaining 3% of the budget will be funded through court fees and other
community events such as the annual Return The Serve Halloween tournament to raise
awareness in the community. The remaining 10% of the budget will be catered for by
tennis camps and lessons. We will conduct a membership drive in a bid to realize the part
of our budget that we anticipate being covered via this process.
Phase 3
Once the budgetary needs have been realized, we intend to identify a contractor to map
out the renovation work timeline. In our anticipation, the initial two tennis courts that we
have identified should be fully up and running by the end of the first six months.
Thereafter, the renovation work will be revamped on the remaining tennis courts which
will be running continuously for the remainder of our initial 5-year commitment period.
Long term Plan
We desire to have a streamlined program to ensure the full implications of these park
facilities are realized into the foreseeable future. Our 5-year funding commitment will
ensure financial stability which in return will translate into smooth operations of the
tennis center services.
To reiterate, it is the desire of our company to honor our 5-year commitment to support
the renovations and upgrades of the tennis facilities at the center. We guarantee to fund

7
65% of the initial budget needs and those of the subsequent years. Our company liaison
will engage with the other identified stakeholders to support this noble cause. Our ability
to continue this sponsorship will be dependent on realization of the set objectives. In the
event the said objectives are satisfactorily met, we make the commitment to continue
supporting this center into the foreseeable future.
In the long term, our desire is to increase the number of tennis centers from in the
immediate South Dallas area. This is in a bid to satisfy the growing demand of such
facilities in this low-income area.

3.4 Staffing
Administrative Positions
Kiest Park Tennis Center will be managing the professional staff with:
 Marketing
 Meeting
 Greeting/helping guests and members

This position will require the employees to:

 Answer phone calls
 Print documents for new contract members
 Place order for office supplies, equipment, and services.

The front management must ensure an energetic, friendly and organized environment for
all. If there are any questions; follow up with appointments and learn about special events
hosted at the Kiest Park Center.
Tennis Coaches
Tennis coaches will administrate individual or group lessons; from beginner to advanced
skills. The coach must:

 Warm up before practice

 Coordinate schedules and appointments on specific days and hours to practice.
 Encourage/motivate players to fall in love with the sports and learn about it.
 Enforce discipline and respect for each other.
 Maintain the safety of players and equipment.

Maintenance crews
Facilities, amenities, and tennis courts require periodic cleaning and general
maintenance. This position will require:

8
  Regularly sweeping/ cleaning the mess from the courts, to make it easier for players to
practice on top surface condition.
 Changing lights accordingly. Drying out surface after the rainstorm or any liquid on the
surface in the case of emergency or if someone slip and lead to bad injury.
 Opening and the closing the courts on time and aware player when the Kiest park center
will be close.
 Extensive cleaning of the courts per month which keep courts away from mold, mildew
to protect the courts or form of dangerous diseases or viruses to others using mild
household cleaners or bleaches.
 Keep bathrooms and other amenities repaired and clean

Volunteering

Along with hiring employees, Kiest Tennis Center decide to give volunteer opportunities to high
school students/college students during summer/spring. This activity will benefit students by
learning about tennis, meet new people, and most of all trying a new sport. The ability to face
real-life challenges along with school will enhance their overall experiences. As they volunteer
they will get to build skills, boost college application and improve their overall job search.

3.4 Budget
Anticipated budgetary needs:

Percentage Year 1 Year 2 Year 3 Year 4 Year 5 Total

of Total
Budget
JP Morgan 65% 430,000 380,000 380,000 380,000 380,000 1,950,00
Chase ($1,950,000)
Vendors 15% 110,000 85,000 85,000 85,000 85,000 450,000
and ($450,000)
Affiliates
Return The 3% 18,000 18,000 18,000 18,000 18,000 90,000
Serve ($90,000)
Program
Summer 10% 60,000 60,000 60,000 60,000 60,000 300,000
Camps and ($300,000)
Lessons
The City of 7% 42,000 42,000 42,000 42,000 42,000 210,000
Dallas ($210,000)
Totals 100% 660,000 585,000 585,000 585,000 585,000 3,000,000

9
4. Conclusion
Aces for ACE is a movement that will spark change in the surrounding South Dallas
communities. While our repairs, renovations, and programs might be short-term goals,
the priority for this project is to develop a lasting sense of community for the at-risk
children of South Dallas. The newly improved Kiest Tennis Center is the catalyst for the
mission. Bringing kids together of different race, color, gender, through tennis as a sport
is a perfect way to create unity while extinguishing Adverse Childhood Experiences (ACE).
Funding and time are critical factors for the Aces for ACE project. Implementing a
structured timeline with set objectives for each project year will provide a smooth
transition between the flow of funding and the incorporation of a tennis oriented
community in Oak Cliff. The sooner we are able to address the at-risk youth in South
Dallas, the faster crime and drop-out rates will diminish as well as a curbing of health-
related diseases/disorders. South Dallas youth are currently facing drug abuse, domestic
violence, and high drop-out rates. In a 1998 study, it is estimated that a typical career
criminal causes $1.3-$1.5 million in damages; a heavy drug user, $370,000-$970,000; and
a high school drop-out, $243,000-$388,000. The “monetary value of saving a high-risk
youth” averages to be from $1.7-$2.3 million (Cohen, 1998). The 2017 numbers are likely
to reflect a much larger figure and displays the problem and need for change in such
communities.
Ultimately, Chase’s Aces for ACE initiative will provide a structure for the betterment of
youth development in South Dallas neighborhoods like Oak Cliff. JPMorgan Chase plans
to utilize this plan of action to measure the effectiveness of bringing a sport, such as
tennis, into a community in need. The tennis community is a very giving and welcoming
community that embraces and focuses in positive childhood development. With Chase
being a long-time supporter and sponsor of the U.S. Open, USTA sanctioned events, and
the Dallas community, the promise to launch Aces for ACE has become our duty to give
back to the Dallas community and the future generations who will hopefully continue our
legacy.

10
5. Authorization From
Please authorize initiation of Aces for ACE project below.

Authorization
The Dallas Chamber of Commerce hereby authorizes JPMorgan Chase Bank to initiate
the Aces for ACE program, as presented on September 27, 2017 with a contribution
from the Dallas Chamber of Commerce amounting to $210,000 over a five-year period.

Notarized Authorization Signatures

Dallas Chamber of Commerce

Printed Name Signature Date

JP Morgan Chase Bank

Enrique Pujol
Signature Date

Payal Shah
Signature Date

Kevin Nyatanga
Signature Date

Adeel Surahio
Signature Date

Charles Ogoti
Signature Date

11
6. References

Aces for Alzheimers. (2017, September 27). Retrieved from Aces for Alzheimers:
https://acesforalzheimers100.org/about/

Administrator, d. (2012, November). Reversing childhood obesity trend a necessary long shot.
Retrieved from Dallas News: https://www.dallasnews.com/business/health-
care/2012/11/26/reversing-childhood-obesity-trend-a-necessary-long-shot

Agarwal, V. (2015). Effects of Adverse Childhood Experiences on Children. Journal of Indian

Association for Child & Adolescent Mental Health, 1-6.

Anderson, J. (2014). The impact of family structure on the health of children: Effects of divorce.
The Linacre Quarterly, 378-387.

AreaVibes. (2015, December). South Dallas, Dallas, Texas Crime. Retrieved from AreaVibes:
http://www.areavibes.com/dallas-tx/south+dallas/crime/

Bellis, M. A., Hughes, L., N., J., L., B., A., K., & M., .. .. (2014). Adverse Childhood Experiences and
Assoiciations with Health-harming Behaviours in Young Adults. World Health
Organization Bulletin of the World Health Organization, 641-655.

Bramlett, M. D. (2014). Adverse Family Experiences Among Children in Nonparental Care, 2011-
2012. National Health Statistics Report, 1-9.

Charles Bruner PhD, M. (2017). ACE, Place, Race, and Poverty: Building Hope for Children.
Acedemic Pediatrics, 123-129.

Cohen, M. A. (1998). The Monetary Value of Saving a High-Risk Youth. Journal of Quantitativ
Criminology, 5-33.

Graham, B. A. (2016, September). JP Morgan Chace & Co. Social Responsibility. Retrieved from
JP Morgan Chase Bank: https://www.jpmorganchase.com/corporate/Corporate-
Responsibility/st-tennis-and-education.htm

JP Morgan Chase & Co. (2017, September 23). Chase Bank in Dallas. Retrieved from JP Morgan
Chase & Co.: https://careers.jpmorgan.com/careers/locations/dallas

JP Morgan Chase & Co. (2017, September 23). Corporate Social Responsibility: Global
Philanthropy. Retrieved from JP Morgan Chase & Co.:
https://www.jpmorganchase.com/corporate/Corporate-Responsibility/global-
philanthropy.htm

JP Morgan Chase. (2017, September 22). About Us. Retrieved from JP Morgan Chase & Co.:
https://www.jpmorganchase.com/corporate/About-JPMC/about-us.htm

LaFerney, D. (2016, June). Most youth sports have seen decline in participation since 2008, and
cost plays a part of it. Retrieved from Dallas News:

12
 https://www.dallasnews.com/news/news/2016/06/21/family-income-a-major-factor-
in-falling-youth-sports-participation

SAMHSA. (2017, September 5). Adverse Childhood Experiences. Retrieved from Substance Abuse
and Mental Health Services Administration: https://www.samhsa.gov/capt/practicing-
effective-prevention/prevention-behavioral-health/adverse-childhood-experiences

Stone, R. M. (2012, October 8). How Republicans and Democrats Both Get “Obesity” Wrong.
Retrieved from Patheos:
http://www.patheos.com/blogs/rachelmariestone/2012/10/18/republicans-democrats-
obesity/

13