Fall 2010

SEPTEMBER 2010

“Twenty years I’ve had this business. Where’s the payoff?”

VOLUME 3

FALL

this Quarter A quarterly publication of the San Francisco Chamber of Commerce

Preparing for an Economic Resurgence

Your success is no longer the question. Succession is.

Established and Emerging Companies Discuss Economic Recovery at CitySummit More than 400 thought leaders and innovators came together to discuss economic recovery, job creation and what’s next for the city’s most vibrant industries at the 2010 CitySummit on August 31. The event marked the 6th annual summit hosted by the Chamber dedicated to addressing a vital issue facing San Francisco business. Previously tackling topics such as healthcare reform and climate change, this year’s summit convened leaders and entrepreneurs from both established industries and emerging growth sectors to examine the city’s recovery trajectory – and the conditions that will be needed to sustain it well into the future. “San Francisco’s economic strong suit is generating innovative new start-ups, particularly in industries like digital and social media, biotechnology, and clean technology,” said San Francisco’s Chief Economist Ted Egan. “The challenge will be in building the kind of supportive business climate that encourages these businesses to grow in the city, and create job opportunities for all San Franciscans.”

www.bpmcpa.com San Francisco

San Jose

Palo Alto

Walnut Creek

Novato

Summit participants agreed that innovation will continue to play a key role in San Francisco’s recovery trajectory. However, panel discussions on social media and electronic entertainment revealed that changing social behaviors can be just as important in driving emerging industries forward as new technologies and other advancements. According to a new report from Nielsen Co., Americans now spend a Zynga was one of twelve companies featured at CitySummit 2010. quarter of their Internet time on social Above: Founder and CEO, Mark Pincus, with his now-deceased American networking sites such as Facebook bulldog, Zynga, who inspired him during the development of his company. and Twitter. The growing popularity of these sites inspired CitySummit Potrero Hill-based Zynga, which makes revenue participant Zynga, which makes popby selling virtual goods to its more than 230 milular browser-based games including FarmVille, lion active users, has quickly become the largest Texas Hold’Em Poker, Mafia Wars and others. developer of social interactive games on the Web. “You have this cocktail party--you’ve brought Since January, the company has quadrupled the everyone together” on Facebook Zynga founder number of its employees to about 800. This and CEO recently told Forbes Magazine. “Games played with friends are one way to fill users’ time.” (continued on p.5)

November Initiatives Carry Big Impact

Santa Rosa

How San Franciscans cast their votes in the upcoming November General Election will have a profound impact on economic recovery, government efficiency and quality of life in San Francisco.

Tell us what’s keeping you up at night. Call for a free expert consultation: 866-805-6312

Out of 25 initiatives on the crowded ballot, none will have a larger effect on the Bay Area’s longterm recovery outlook than Proposition 23. Aimed at repealing the implementation of California’s clean energy legislation (AB 32), this initiative is intended to roll back aggressive emission reduction standards until better economic times.

To explore your options, call Burr Pilger Mayer. We’ll help you reap the rewards of your labor. Don’t trust your business to just anyone. Talk to BPM — the largest California-based accounting and consulting firm.

According to the Chamber’s public policy committee, many businesses would be required to make operational changes to meet the new state standards. However, the costs of making these changes are far outweighed by the economic benefits resulting from accelerated green and cleantech industries.

November 2 General Election

Voting Guide Inside SF BUSINESS

VOTES

“AB 32 will spur innovation and jump-start the region’s emerging industries,” said Chamber Vice President of Public Policy Rob Black. “As other nations invest in clean energy technology, California should not move in the opposite direction.”

2010

(continued on p.5)

BPMCPA.com

San Francisco Business This Quarter

What’s Inside

Call for a free expert consultation: 866-805-6312 Palo Alto

Walnut Creek

Novato

Santa Rosa

Lenders and Borrowers Get Creative on Capital........................................................ 4 Q&A with San Francisco Recreation & Park General Manager Phil Ginsburg . .................. 6

NEWSPAPER

San Jose

235 Montgomery Street, 12th Floor San Francisco, CA 94104

San Francisco

10 Ways the Chamber Helped Your Business This Quarter..................................................... 3

SAN FRANCISCO BUSINESS THIS QUARTER

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2 Sept 2010

Calendar of Events Dear Chamber Members, This November, San Francisco voters have an opportunity to voice their priorities and set a more moderate course for our city’s future. This year’s crowded General Election Ballot will include more than 10 state and 15 local initiatives. In addition, voters in Districts 2, 6, 8 and 10 will choose between 5 to 21 candidates seeking election to the Board of Supervisors. If there was ever a time to stand up for a brighter economic future, November 2nd is it. In recent years, the cost of doing business in our city for small businesses has increased by approximately 40 percent. More than 40,000 San Franciscans are currently out of a job. And more than 13 million square feet of office space sits vacant in San Francisco today. Only an economic resurgence can help to reverse these unfortunate fiscal realities. The Chamber believes that this resurgence must start with a thriving business environment that creates jobs, grows the economy and generates tax revenue. We encourage all our members to vote in the November General Election. You can learn more about the issues and the Chamber’s perspective in our voting guide, available at www.sfchamber.com/ votingguide. We hope you will join us in voting for a better economic future on November 2nd.

Steven B. Falk, President & CEO San Francisco Chamber of Commerce

The Chamber’s Voting Guide is available at www.sfchamber.com/votingguide.

2010 Executive Committee L. Wade Rose, Chair, Catholic Healthcare West John Legnitto, Chair-elect, Recology James Woolwine, Immediate Past Chair, Presidio Bank Mario Alioto, San Francisco Giants Pamela Brewster, Charles Schwab Jeff Campbell, McKesson Mariann Costello, Scoma’s Restaurant Shelley Doran, Webcor Builders Sandra Edwards, Farella Braun + Martel Steven Falk, San Francisco Chamber of Commerce Tom Hart , Shorenstein Realty Services L.P. Mary Huss, San Francisco Business Times Travis Kiyota, Pacific Gas and Electric Company Steve Mayer, Burr, Pilger & Mayer Louis Meunier, Macy’s Chris Poland, Degenkolb Engineers Jerry Simmons, Hyatt Regency San Francisco Loretta Walker, AT&T California

Anniversaries

The Chamber congratulates and thanks the following companies that as of this quarter have been Chamber members for… 30 Years

10 Years

Queen Anne Hotel

Astound Microsoft Corporation The Orchard Hotel URS Corporation Waters Edge, a Joie de Vivre Hotel

25 Years The Asia Foundation BLUM Capital Partners, L.P. City College of San Francisco Varlow Enterprises

20 Years Lightner Property Group Recology SPUR / San Francisco Planning & Urban Research Association Stonestown

15 Years Amici’s East Coast Pizzeria

5 Years Bank of San Francisco BOOKS IN BALANCE Brown & Toland Medical Group Esurance Hon Pui Lam Deborah Lardie CPA MACTEC Engineering & Consulting MBH Architects Dean Shehu Squaw Valley USA Michael Tauber Architecture Tierra Technology ValueAct Capital Yelp!

Want to know what’s coming up at the Chamber this fall? Visit sfchamber.com to view and register for upcoming events. Below are some key events you won’t want to miss.

women in

business

roundtable

TUES | SEP 14 Women in Business Roundtable


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10 Ways the Chamber Helped your Business this Quarter Your investment in the Chamber helps us build a vibrant economy where businesses can grow and prosper. Here are a few ways we’ve helped improve San Francisco business this quarter.

VOTE YES

ANNUAL

THURS | SEP 23 CityGolf

C L A S S I C Join the San Francisco Chamber of Commerce and leading San Francisco executives for a day of business and pleasure at the 2010 Annual CityGolf Classic at Harding Park - Home of The 2010 Charles Schwab Cup Championship.

THUR | OCT 28 Ebbies

Celebrate excellence in business at San Francisco’s preeminent awards gala honoring deserving businesses at the Nob Hill Masonic Auditorium.

ChinaTrip 2011

November 2 General Election Voting Guide Join the Chamber in voting for jobs and a better economic future. Download the Chamber’s full voting guide at www.sfchamber.com/votingguide and take it to the polls on November 2nd!

Join Edith Yeung, Founder of BizTechDay, for an interactive workshop on Social Media for Professional Women and learn strategies that will help you utilize social media effectively.

2010

3 Sept 2010

APRIL 4-12 | 2011 ChinaTrip

Join the Chamber and our partner tour company for an exceptional nine-day trip to China, April 4-12, 2011. Experience the wonders of China in a way that only an experienced tour company can allow. http://www.sfchamber.com/china2011/ BECHTEL CORP. • RILEY BECHTEL • DELTA DENTAL OF CALIFORNIA • GARY RADINE • LEVI STRAUSS & CO. • JOHN ANDERSON • WILBUR-ELLIS CO. • JOHN THACHER • WEBCOR BUILDERS • ANDREW BALL • SWINERTON BUILDERS • MICHAEL RE • DPR CONSTRUCTION INC. • DOUG WOODS • ASI CORP. • MARCEL LIANG • USS-POSCO INDUSTRIES • ROBERT SMITH • MORRISON & FOERSTER LLP • KEITH WETMORE • ORRICK, HERRINGTON & SUTCLIFFE LLP • RALPH BAXTER • HATHAWAY DINWIDDIE CONSTRUCTION CO. • GREG COSKO • GENSLER • ARTHUR GENSLER • KIMPTON HOTELS AND RESTAURANTS • MICHAEL DEPATIE • WILSON SONSINI GOODRICH & ROSATI PC • LARRY SONSINI • NORCAL WASTE SYSTEMS INC. • MICHAEL SANGIACOMO • TRICOR AMERICA INC. • CHEE LOUIE • APPLE AMERICAN GROUP LLC • GREG FLYNN • ACTIVANT SOLUTIONS INC. • PERVEZ QURESHI • HILL PHYSICIANS MEDICAL GROUP • STEVE MCDERMOTT • S.J. AMOROSO CONSTRUCTION CO. INC. • DANA MCMANUS • LITTLER MENDELSON PC • GARRY MATHIASON • PUTNAM DEALER GROUP • JOSEPH PUTNAM • W.L. BUTLER CONSTRUCTION INC. • FRANK YORK • PLANT CONSTRUCTION CO. LP • CRAIG ALLISON • CLIF BAR & CO. • “GARY ERICKSON, • KIT CRAWFORD “ • CAHILL CONTRACTORS INC. • JOHN CAHILL • SERENA SOFTWARE INC. • JEREMY BURTON • NOVO CONSTRUCTION INC. • JIM FOWLER • TOP GRADE CONSTRUCTION • WILLIAM GATES • PIER 39 • ROBERT MACINTOSH • DOME CONSTRUCTION CORP. • MARK BLEY • CASTO TRAVEL INC. • MARYLES CASTO • MCGUIRE AND HESTER • MICHAEL HESTER • LUCASFILM LTD. • MICH CHAU • CALYPSO TECHNOLOGY INC. • CHARLES MARSTON • O.C. JONES & SONS INC. • KELLY KOLANDER • GHILOTTI BROS. INC. • MICHAEL GHILOTTI • ALFA TECH CAMBRIDGE GROUP INC. • JEFF FINI • INTEGRATED ARCHIVE SYSTEMS INC. • AMY RAO • TRINET • BURTON GOLDFIELD • WAGEWORKS • JOE JACKSON • NIBBI BROTHERS GENERAL CONTRACTORS • ROBERT NIBBI • BAY CITIES PAVING & GRADING INC. • BEN RODRIGUEZ • ITRADENETWORK • ROBERT BONAVITO • PACIFIC EAGLE HOLDINGS CORP. • DAVID HENNEFER • OPENLANE INC. • DANIEL FARRAR • CLUB ONE INC. • JIM MIZES • EAST BAY RESTAURANT SUPPLY INC. • JOHN BREZNIKAR • G.S.E. CONSTRUCTION CO. INC. • ORLANDO GUTIERREZ • BILLS.COM • “BRAD STROH, • ANDREW HOUSSER CHEVRON CORP. • DAVID O’REILLY • HEWLETT-PACKARD CO. • MARK HURD • MCKESSON CORP. • JOHN HAMMERGREN • WELLS FARGO & CO. • JOHN STUMPF • SAFEWAY INC. • STEVE BURD • CISCO SYSTEMS INC. • JOHN CHAMBERS • INTEL CORP. • PAUL OTELLINI • APPLE INC. • STEVEN JOBS • ORACLE CORP. • LARRY ELLISON • GOOGLE • ERIC SCHMIDT • PG&E CORP. • PETER DARBEE • GAP INC. • GLENN MURPHY • SUN MICROSYSTEMS INC. • JONATHAN SCHWARTZ • URS CORP. • MARTIN KOFFEL • CALPINE CORP. • JACK FUSCO • EBAY INC. • JOHN DONAHOE • APPLIED MATERIALS INC. • MICHAEL SPLINTER • SYNNEX CORP. • KEVIN MURAI • YAHOO INC. • CAROL BARTZ • SANMINA-SCI CORP. • JURE SOLA • ROSS STORES INC. • MICHAEL O’SULLIVAN • VISA INC. • JOSEPH SAUNDERS • CORE-MARK HOLDING CO. INC. • MICHAEL WALSH • FRANKLIN RESOURCES INC. • GREGORY JOHNSON • SYMANTEC CORP. • JOHN THOMPSON • ADVANCED MICRO DEVICES INC. • DIRK MEYER • AGILENT TECHNOLOGIES INC. • WILLIAM SULLIVAN • CHARLES SCHWAB CORP. • WALTER BETTINGER • GILEAD SCIENCES INC. • JOHN MARTIN • CLOROX CO. • DONALD KNAUSS • CON-WAY INC. • DOUGLAS STOTLAR • ROBERT HALF INTERNATIONAL INC. • HAROLD MESSMER • DEL MONTE FOODS CO. • RICHARD WOLFORD • ELECTRONIC ARTS INC. • JOHN RICCITIELLO • ABM INDUSTRIES INC. • PAUL CENNI • ADOBE SYSTEMS INC. • SHANTANU NARAYEN • JUNIPER NETWORKS INC. • KEVIN JOHNSON • NVIDIA CORP. • JEN-HSUN HUANG • WILLIAMS-SONOMA • W. HOWARD Sign upINC. today! Visit: LESTER • SANDISK CORP. • ELI HARARI • NETAPP INC. • DANIEL WARMENHOVEN • INTUIT INC. • BRAD SMITH • LSI LOGIC CORP. • ABHI TALWALKER sanfranciscobusinesstimes.com/morning_call • KLA-TENCOR CORP. • RICHARD WALLACE • LAM RESEARCH CORP. • STEPHEN NEWBERRY • LOGITECH INTERNATIONAL • GERALD QUINDLEN • AUTODESK INC. • CARL BASS • PACER INTERNATIONAL • MICHAEL UREMOVICH • VARIAN MEDICAL SYSTEMS INC. • TIMOTHY GUERTIN • MAXIM INTEGRATED PRODUCTS INC. • TUNC DOLUCA • NATIONAL SEMICONDUCTOR CORP. • BRIAN HALLA • VMWARE INC. • PAUL MARITZ • XILINX INC. • MOSHE GAVRIELOV • BIO-RAD LABORATORIES INC. • NORMAN SCHWARTZ • CENTRAL GARDEN & PET CO. • WILLIAM BROWN • UT STARCOM INC. • PETER BLACKMORE • MCAFEE INC. • DAVID DEWALT • ATMEL CORP. • STEVEN LAUB • JDS UNIPHASE CORP. • THOMAS WAECHTER • BROCADE COMMUNICATIONS SYSTEMS INC. • MICHAEL KLAYKO • SUNPOWER CORP. • THOMAS WERNER • ALTERA CORP. • JOHN DAANE • NETFLIX INC. • REED HASTINGS • SYNOPSYS INC. • AART DE GEUS • TRIMBLE NAVIGATION LTD. • STEVEN BERGLUND • PALM INC. • ED COLLIGAN • LINEAR TECHNOLOGY CORP. • LOTHAR MAIER • SYBASE INC. • JOHN CHEN • SALESFORCE.COM INC. • MARC BENIOFF • POLYCOM INC. • ROBERT HAGERTY • THE COOPER COMPANIES INC. • ROBERT WEISS • CADENCE DESIGN SYSTEMS INC. • LIP-BU TAN • KKR FINANCIAL CORP. • WILLIAM SONNEBORN • VARIAN INC. • GARRY ROGERSON • NOVELLUS SYSTEMS INC. • RICHARD HILL • THE GYMBOREE CORP. • MATTHEW MCCAULEY • COST PLUS INC. • BARRY FELD • QUANTUM CORP. • RICK BELLUZZO • VERISIGN INC. • D. JAMES BIDZOS • VERIFONE HOLDINGS INC. • DOUGLAS today! Visit: BERGERON • PMI GROUP • L. STEPHEN Sign SMITHup • INTUITIVE SURGICAL INC. • LONNIE SMITH • OMNIVISION TECHNOLOGIES INC. • SHAW HONG • COPART INC. • WILLIS JOHNSON • INTEGRATED DEVICE TECHNOLOsanfranciscobusinesstimes.com/dailyupdate GY INC. • TED TEWKSBURY • INTERSIL CORP. • DAVID BELL • CYPRESS SEMICONDUCTOR CORP. • T.J. RODGERS • SIMPSON MANUFACTURING CO. INC. • THOMAS FITZMYERS • UCBH HOLDINGS INC. • THOMAS WU • NETGEAR INC. • PATRICK LO • AMB PROPERTY CORP. • HAMID MOGHADAM • EQUINIX INC. • STEPHEN SMITH • AMERICAN REPROGRAPHICS CO. • K. SURIYAKUMAR • BEBE STORES INC. • MANNY MASHOUF • SMART MODULAR TECHNOLOGIES INC. • IAIN MACKENZIE • TIBCO SOFTWARE INC. • VIVEK RANADIVÉ • DOLBY LABORATORIES INC. • KEVIN YEAMAN • SVB FINANCIAL GROUP • KENNETH WILCOX • COHERENT INC. • JOHN AMBROSEO • REDWOOD TRUST INC. • GEORGE BULL III • ELECTRONICS FOR IMAGING INC. • GUY GECHT • BARE ESCENTUALS INC. • LESLIE BLODGETT • SUPER MICRO COMPUTER INC. • CHARLES

Local Business News 24/7

Proposition G - Muni Reform SFCED Executive Director, Dennis Conaghan; Recology Vice President & Group Manager, John Legnitto; and Chamber President & CEO, Steve Falk, visited the 2010 World Expo during a business development trip to China.

1

Helped Gain Approval for Historic Hunters Point Shipyard Development The Chamber met with lawmakers and actively supported the Bayview Hunters Point Shipyard redevelopment, which was approved by the Board of Supervisors after nearly a decade of study and debate. The economyboosting project will create more than 10,000 jobs, 11,000 homes, 2 million square feet of office and R&D space, and more than $27 million in net revenue for the city each year.

2

Successfully Opposed New Taxes

The Chamber helped gain approval for the Bayview Hunters Point Shipyard development, which will create 10,000+ jobs, 2 million square feet of office space, and more than $27 Million in revenue for the city each year.

4

Advocated for San Francisco in Sacramento The Chamber led a delegation of more than two dozen business leaders in Sacramento to advocate on issues impacting San Francisco’s business climate. Meeting with key lawmakers including Senators Mark Leno and Leland Yee, Assemblymember Fiona Ma, Labor & Workforce Development Secretary Victoria Bradshaw and others helps ensure that San Francisco businesses are heard on regulation, economic development and other issues.

5

The Chamber successfully opposed a new tax on business rents and a 40 percent increase in the parking tax that were headed for the November General Election Ballot. These harmful taxes would have impacted thousands of businesses, deterred commerce in the city, and put jobs and economic recovery at risk. The Chamber continues to fight against the 2 percent hotel tax and property transfer tax increases. Passage would result in the highest hotel tax in the country and the highest transfer tax in the Bay Area.

Helped Establish the JCAP Energy Innovation Hub

Helped Overturn Ban on Same-Sex Marriage

The Chamber successfully advocated for Proposition D, which was passed by voters in June to amend the city Charter to reduce skyrocketing pension benefit costs for new city employees. This good governance reform will help address the growing pension liability that threatens the fiscal solvency of San Francisco.

3

As one of the first business organizations to sign the amicus brief supporting the federal trial to repeal Proposition 8, the Chamber helped overturn the ban on same-sex marriage (Proposition 8), which was ruled unconstitutional by Judge Vaughn R. Walker in August. Ending marriage discrimination will help California stay competitive in attracting top businesses and talent.

The Chamber supported the Joint Center for Artificial Photosynthesis (JCAP) in its bid winning up to $122 million over five years to establish an Energy Innovation Hub aimed at developing methods to generate fuels directly from sunlight. Supporting the region’s top scientists helps secure federal investments to bolster the region’s emerging cleantech economy and create jobs.

6

Successfully Supported Proposition D (Pension Cost Reform)

7

Successfully Cautioned against City’s Public Power Contract The Chamber met with the San Francisco Public Utilities Commission and other lawmakers to highlight concerns surrounding the city’s

Chamber delegation of more than two dozen business leaders convened at the State Capitol to advocate for San Francisco.

failed public power contract, which would have borrowed up to $400 million to subsidize consumer electricity rates. The Chamber will continue to work with lawmakers and the public to minimize the negative impacts of the city’s proposed Community Choice Aggregation (CCA) program.

8

Strengthened Neighborhood Business Ties The Chamber strengthened business ties in Districts 3 and 4 by connecting local merchants with city officials and service providers during two Neighborhood Business Summits. Nearly 200 businesses attended this quarter’s summits in Parkside and North Beach attended by Supervisors Carmen Chu and David Chiu respectively.

9

Helped Hold Supervisors Accountable The Chamber released a mid-year legislative scorecard ranking the performance of the Board of Supervisors in growing the economy, creating jobs and improving government efficiency. The Chamber’s Paychecks & Pink Slips scorecards are helping to inform voters and hold lawmakers accountable for their actions to create paychecks or trigger pink slips in San Francisco.

10

Created Business Connections in China The Chamber and the San Francisco Center for Economic Development (SFCED) led a business development trip to China connecting San Francisco-based companies with Chinese government officers, leading business and trade groups, and key international corporations. Building international business relationships helps encourage economic development in both countries.

Stay connected with the Chamber. Sign up to receive Action Alerts on hot policy issues at [email protected] Subscribe to San Francisco Business This Week at [email protected] Subscribe to the How We See It Blog at [email protected]

This proposition will end Muni’s flawed wage formula, which guarantees that city transit operators are the second highest paid in the nation, despite continued service cuts and rising budget deficits. This sound managerial policy will reestablish Muni’s control over its largest costs and help ensure more efficient and equitable Muni operations in San Francisco. Proposition K - Hotel Tax Clarification This proposition clarifies the law and closes a loophole that has allowed online travel companies to avoid paying the city’s required transient occupancy tax. Prop K also clarifies existing law to ensure that companies renting hotel rooms for more than 30 days at a time will pay the tax. Prop K will make clear any ambiguities surrounding the transient occupancy tax and ensure that the city can collect the full tax that is currently required by law. Proposition L - Civil Sidewalks Sidewalks are for everyone. This important public safety measure will prohibit sitting and lying on public sidewalks during busy daytime hours, and enable law enforcement to address aggressive individuals who camp out in front of homes and stores. Prop L targets individual behavior – not social status – and will help make our streets safer while promoting commerce and community across San Francisco.

VOTE NO Proposition J - Hotel Tax Increase This labor sponsored initiative will increase the hotel occupancy tax from 15 to 17.5 percent – higher than any of San Francisco’s competitor cities. This 2 percent tax increase is estimated to kill 2,026 jobs and eliminate $75.5 million in wages annually. This harmful initiative will discourage travel to San Francisco, hurt our city’s largest industry, and eliminate jobs for hardworking San Franciscans. Proposition M - Community Policing and Foot Patrols This ill-conceived initiative would require the Police Chief to develop a comprehensive foot patrol policy and program in all city police stations. Prop M is a thinly veiled attempt to micromanage the police department and will require a specific type of resource intensive policing at a time when new, more efficient data and techniques are currently being implemented. Proposition N - Real Property Transfer Tax This proposition would raise the tax on the sale of residential and commercial properties by as much as 33 percent – to become the highest in the region. During an era of declining real estate values, Prop N could bring homeowners and businesses higher tax bills even after selling property at a loss. Additionally, transfer tax revenues are volatile making this tax an undependable source of revenue for the city. Proposition 23 - Initiative to Suspend AB32 Now is not the time to move backwards when it comes to developing a clean energy economy. As other nations invest in clean energy technology, Prop 23 will repeal or delay the implementation of California’s Landmark Clean Energy Law (AB32). Suspending AB32 will kill thousands of jobs and derail California’s leadership in developing solar, wind, and other clean energy technologies. Read more at www.sfchamber.com/votingguide


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Lenders and Borrowers Get Creative on Capital Even in the best of times, accessing capital to start or grow a small business can be challenging. But today’s economic environment has made it even more difficult, as demand for capital remains soft and lenders are more risk averse. As a result, lenders and borrowers are getting more creative when it comes to financing local small businesses. Conventional lending institutions are making more loans to small businesses and finding new ways to support them. Bank of America is increasing lending to small and medium-sized businesses by at least $5 billion this year and has hired 400 small business specialists across the country. But it’s not just more lending that is helping local small businesses access the capital they need.

the next opportunity, Wells Fargo is there with you, with the financial strategies and solutions tailored to every stage of your growth. We continue to invest in our relationship with our customers because we want them to last a lifetime.” JPMorgan Chase is also increasing loans to small businesses, by as much as 31 percent this year. The company instituted a second review process resulting in $110 million in additional loans nationwide. In June, it began offering incentives to encourage businesses to grow and create jobs.

“We are working with local businesses to help them survive and thrive,” says Bank of America Business Market Executive and Senior Vice President of Business Banking Claudio Cipollina. “We don’t just write a check and walk away. We provide advisory services and technical assistance to ensure that our business clients can be successful.” Bank of America has helped nearly 200 companies raise more than $335 million in capital through its Inner City Capital Connections (ICCC) program. The program educates investmentready inner city businesses about equity and other sources of capital and matches them with investors. Participating companies have experienced a compound growth rate of 23 percent. According to participants, the program’s instruction and feedback are worth as much as its connections to investors. “I had taken some money and banking courses in college; however, ICCC’s introduction to private equity was much more sophisticated and relevant for our business,” said Todd Parent, CEO of San Francisco-based Extreme Pizza. Wells Fargo is consistently ranked the number one small business lender in the United States. In a letter appearing in this year’s San Francisco Small Business Week Program, Wells Fargo’s Regional President, Michael Billeci says, “Whether you are just starting out or looking for

and financial services, small businesses have a variety of sources from which to seek capital. “San Francisco small businesses are fortunate to have numerous lending options,” said Chamber President & CEO Steve Falk. “While there is no doubt that accessing capital in today’s environment is challenging, our city’s innovative entrepreneurs are finding ways to grow.” One option for Bay Area businesses is the Opportunity Fund. Supported in part through contributions from conventional institutions like Bank of America, the Opportunity Fund provides small business loans from $1,000 - $10,000 based on merit, not just credit. The Fund also offers a credit builder loan for entrepreneurs with bad credit or who need to establish a solid credit history. The San Francisco Revolving Loan Fund is another solution. The Fund offers microloans from $5,000 - $25,000 to San Francisco-based businesses creating at least one full-time or two part-time jobs within a year. Loans up to $50,000 are available for established entrepreneurs in business for more than two years.

Maria Guerrero of Bay Area-based DW Morgan pitches Jabbar Abdi of CSW Private Equity during the Inner City Capital Connections (ICCC) program sponsored by Bank of America.

“We know how important it is to help small businesses because they are core to the U.S. economy,” said JPMorgan Chase Chairman and CEO Jamie Dimon. JPMorgan Chase is lowering the interest rates on new business lines of credit by 0.5 percent for each new hire, for up to three hires for the life of the loan. The company estimates a small business owner could save about $4,000 over three years on an outstanding balance of about $65,000. For businesses that do not qualify for traditional financing, a number of alternatives are available. From Small Business Investment Companies (SBICs) providing venture capital through privately owned and managed investment funds to Community Development Financial Institutions (CDFIs) offering U.S. Treasury-certified credit

“People are becoming very creative in finding ways to bring their company to the next level,” said Agnes Cheung, Business Development Officer for TMC Working Solutions, the nonprofit organization that oversees the Revolving Loan program. According to Cheung, more established companies are now applying for the city-funded loan program, particularly businesses looking to grow or expand their operations. The program has approved sixteen loans since it began in April of 2009. Many other lending options are available to San Francisco small businesses. Chamber member small business lenders include: Bank of America, Comerica, First Bank, JPMorgan Chase, Presidio Bank, Redwood Credit Union, Wells Fargo and many others. Visit the Chamber’s online member directory at www.sfchamber.com for a full listing of member lenders.

businessperspectives This quarter we ask… “The Transbay Terminal is being re-built to become the city’s new transit center and hub for California High Speed Rail. How important is High Speed Rail to San Francisco businesses?” For 160 years, the Chamber’s Board of Directors has championed the needs of business and advocated for the city’s economic vitality and quality of life. Each quarter, we ask members of the Board to share their perspectives on a thought-provoking issue facing San Francisco.

Stuart Sunshine Vice President Parsons Brinkerhoff

“High Speed Rail represents a ‘gold rush’ opportunity for San Francisco in terms of jobs and economic growth. Not only will it provide alternative access to and from San Francisco for those who work and play here, it will help define future land-use and lifestyle decisions for generations to come.”

Shelley Doran Vice President Webcor Builders

“Immediately and for the next seven years, the Transbay Transit Terminal will be the single largest construction employer in San Francisco and maybe even the state. There is an immediate add of 8,000+ jobs as well as an anticipated producer of 48,000 jobs over the life of the project. The terminal is vitally important to the economic health of San Francisco. Of course, let’s not forget how interstate commerce will benefit once the High Speed Rail is complete.”

Greg Cosko President & CEO Hathaway Dinwiddie Construction

“The social, economic and environmental benefits of having High Speed Rail in California will be invaluable to future generations. This is a great investment for us, our children and our children’s children.”


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Preparing for an Economic Resurgence growth is helping to fuel San Francisco’s economic recovery, according to Mayor Gavin Newsom, who declared December 2009 “Zynga Month” in honor of the company’s contributions to the community. SOMA-based Twitter is another fast-growing startup helping to drive the city’s economic recovery. In just four years, Twitter has grown from an idea into one of the world’s most popular microblogging sites on the Internet boasting more than 100 million users. Planning for its continued growth, the company recently doubled its office space and is rolling out advertising initiatives to bring more revenue to the company. But no matter how innovative a company, San Francisco’s business climate has an impact on success according to CitySummit participants. While the needs of emerging and established businesses can differ when it comes to specific taxes and regulations, panelists flagged city policies requiring employers to pay additional minimum wage,

5 Sept 2010

(continued from p.1)

sick pay and health care costs as risk factors for all businesses and the city’s long-term economic growth. “During such a challenging economic time, we should be thinking about how we can create an environment that is attractive to businesses across all industries in order to maximize San Francisco’s future growth opportunity,” said Susan Garner, President of JPMorgan Chase Middle Market Banking for Northern California. The key to encouraging growth in the private sector is finding as much certainty as possible according to AT&T Bay Area External Affairs Vice President Loretta Walker.

Building off the discussion at CitySummit, the Chamber will continue working with its members and local, state and federal officials to create a business and political environment that encourages an economic resurgence and long-term prosperity for San Francisco. The 2010 CitySummit was presented by AT&T and Chase with support from Catholic Healthcare West, PG&E, California Pacific Medial Center and other sponsors. Information on upcoming Chamber events and programs is available at www.sfchamber.com.

“The political climate can encourage or discourage growth – around the globe and here in San Francisco. So whether the leadership is Democrat or Republican, conservative or liberal, companies will look to grow in a stable political environment,” Walker said.

November Initiatives Carry Big Impact

(continued from p.1)

Local tax measures will also impact the city’s economic recovery. Proposition J, a 2 percent hotel tax increase sponsored by the Labor Council, is poised to make San Francisco the most expensive to visit among all its competitor cities. The Chamber estimates that the tax will kill 2,026 jobs and eliminate $75.5 million in wages annually. “Raising city revenue at the expense of hotels and hospitality workers is not the answer to the city’s fiscal problems,” said Chamber Senior Vice President of Public Policy Jim Lazarus. “This harmful tax will only discourage travel to San Francisco and hurt our city’s largest industry.” A slew of other ballot measures will influence the efficiency of local government. Among the most significant is the Muni reform initiative, Proposition G. By requiring collective bargaining to set pay, benefits and work rules, Proposition G will end guaranteed high wages for transit operators and help ensure more efficient and equitable transit operations.

One of the most talked about ballot measures – the Civil Sidewalks initiative (Proposition L) – will drastically improve safety, commerce and community across the city. Long-advocated by the Chamber, Proposition L was placed on the ballot by Mayor Newsom in response to numerous complaints from merchants and residents in the Haight and other neighborhoods. This proposition will prohibit sitting and lying on public sidewalks during busy daytime hours, and enable law enforcement to address aggressive individuals who camp out in front of homes and stores. The Chamber encourages the business community to vote on November 2. A voting guide including the business perspective on key state and local issues impacting business on the 2010 California General Election Ballot can be found on page three of this newsletter and at www.sfchamber.com/votingguide.


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6 Sept 2010

Appointed in July 2009, Ginsburg previously served as Chief of Staff to Mayor Gavin Newsom, as Deputy City Attorney, and as the head of the Department of Human Resources. An avid runner, park advocate and park user, Ginsberg is credited with resolving a decades-long dispute over weekend automobile use in certain parts of Golden Gate Park. The Recreation & Park Department has been asked to cut $12.4 million from this year’s budget. How severely are the city’s fiscal problems impacting the Department? The Recreation and Park Department has been hampered by the city’s overall budget woes. Following successive years of cuts, in 2009-10 we were asked to trim more than 20% of our General Fund operating subsidy. The only silver lining for us is that with crisis has come an opportunity to focus on financial sustainability through greater departmental efficiencies, and new revenue strategies and partnerships. How are public-private partnerships – such as the recent Peter Pan Production – helping to boost revenues for the Department? What role do these partnerships play in the future? Public-private partnerships are critical to the future vitality of the Recreation and Park Department. The Peter Pan production at Sue Bierman Park across from the Ferry Building was a great example of how we are bringing fun park experiences to the public, activating parks spaces and helping our park system survive. In 2009-10, revenue from Peter Pan and Outside Lands will have employed approximately 20 gardeners and recreation staff. In addition to these large events, we are blessed to partner with non-profit and philanthropic groups like the San

onthemove

AAA promoted Paula Downey to CEO of the Northern California, Nevada and Utah region. The Asia Foundation named David Arnold as its president. Bank of the West promoted Karen Mayfield to senior vice president and national sales manager. Brown & Toland Medical Group hired Michael Gam as chief financial officer. Cannon Design welcomed back Robert Garra Jr. as association vice president and electrical engineering leader for the Western Region. Duane Morris LLP added Richard Hoffman as a partner in its San Francisco practice. Farella Braun + Martel LLP named Marc Tarlock an associate in its intellectual property and technology department. Fine Arts Museums of San Francisco hired Julian Cox as its founding curator of photography. Gap Inc. named Rosella Giuliani creative director for its 1969 denim brand. Grubb & Ellis Co. hired Adria Giacomelli as a senior associate of their retail group in the Walnut Creek office. Kaiser Permanente promoted Anthony Barrueta to senior vice president of government relations. The Leukemia & Lymphoma Society named Richard Miles executive director of the Greater San Francisco Bay Area Chapter.

makingnews

Bay Area Publishers was honored with the 2010

Benny Award from Printing Industries of America for its 2009 Fall/Winter Bay Area Meetings Source Book. Glide Foundation founding president, Janice Mirikitani, and Gumas Advertising founder and president, John Gumas, were inducted into the San Francisco State University Alumni Hall of Fame. Hellmuth, Obata + Kassabaum (HOK)

Francisco Parks Trust, the Botanical Society, the CityFields Foundation and the Trust for Public Land – among many others – who help keep our parks clean, safe and fun. Recently, the Department has come under some criticism for “privatizing” public parks through proposed new entrance fees at the Botanical Gardens and higher fees at other attractions and golf courses. What is your reaction to these claims? The word “privatization” is an overused, scare term suggesting we are reducing access to public parks and facilities, and that is not what we’re doing. In fact, we are trying to maintain and even increase access to our parks and programs by thinking creatively and teaming with businesses, foundations and philanthropists to make our park system financially sustainable. Fees for specialty attractions [such as the The Botanical Garden] are typical and responsible and widely accepted in urban park systems throughout the Country. While we charge for camps and programs, no San Francisco child or family in our park system is denied access based on ability to pay. Our fees are highly subsidized and are accompanied by a robust scholarship program for which we fundraise. If privatization means raising private money to help underserved children and their families make healthy recreational choices, I’m all for it. The Controller reviews your department’s performance annually and in spite of recent budget cuts, park maintenance scores are improving. What management strategies are you using to enhance productivity? We are doing more with less. We have developed an award-winning park evaluation system that identifies, in detail, areas for

our staff to focus on. Our department is also relying on volunteers more than ever to help maintain our parks. Groups, individuals and companies contributed more than 128,000 volunteer hours last year, a jump of 23 percent over the previous year. We have also worked to reduce workers compensation costs by creating a culture of health in our department and by getting injured employees back to work more quickly in transitional assignments consistent with their medical restrictions. Through this initiative, we reduced the cost of new workers comp claims last year by 23 percent. How can businesses get engaged with San Francisco parks and recreations programs? Donate, Advocate, Volunteer, Partner. We need the business community’s support more than ever. Our Partnerships and Resource Development team has been instrumental in our efforts to build capacity and realize our potential, and companies have shown a tremendous willingness to get involved. We are open and welcoming to businesses that can enhance our park visitor experience. Check our website [www.sfparks.org] or contact us with your ideas.

named John Wells senior vice president and chief credit officer and hired Clay Jackson as executive vice president and corporate banking manager. Merrill Lynch hired Drew Lyon as associate director for the Golden Gate Pacific Region and San Francisco Complex. Orrick, Herrington & Suttcliffe hired Jennifer George as a partner in its compensation and benefits group. PG&E promoted Steve Malnight to vice president of integrated demand side management within the customer care division. The Port of San Francisco named Elaine Forbes as its new finance director. PricewaterhouseCoopers hired Jeremy Fago as principal at the firm’s U.S. transaction services practice. Redwood Credit Union appointed Tony Hildesheim as the new senior vice president of information technology and named Billy McMillan as manager of the West College Avenue branch in Santa Rosa. Riverbed Technology Inc. appointed Edward Chapman as vice president of cloud storage acceleration products. The company also hired Carolyn Crandall as vice president of worldwide

senior vice president and co-director of justice, Chuck Oraftik was elevated to the College of Fellows by the American Institute of Architects. McKesson Corporation senior product manager, Cheryl Brinkman, was nominated by Mayor Gavin Newsom to serve on the San Francisco Municipal Transportation Agency (SFMTA) Board of Directors. Scoma’s Restaurant vice president,

7 Sept 2010

The Chamber Welcomes the Following New Members All Transitions Coach / Consultant Business & Personal 275 Fifth St. at Folsom San Francisco, CA 94103 Tim Steele

www.alltransitions.com Arysta LifeScience Chemicals & Life Science 423 Washington St., 2nd Flr. San Francisco, CA 94111 John Brubaker

www.arystalifescience.com asknet, Inc. Online Products & Services 235 Montgomery St., Ste. 1025 San Francisco, CA 94104 Scott Bruner www.asknet.com BPS Reprographics 945 Bryant St. San Francisco, CA 94103 David Blain www.bps.com The Bay Citizen Newspapers 126 Post St., Ste. 500 San Francisco, CA 94108 Rose Roll www.baycitizen.org Ben & Jerry’s Haight Ashbury Caterers 1480 Haight St. San Francisco, CA 94117 John Slater www.benjerry.com/haightashbury Bioclaris Business Consultants 2236 Cecilia Ave. San Francisco, CA 94116 Bob Lanier www.bioclaris.com Blue September (Prostate Cancer Awareness) Health & Human Services 1200 Bridgeway Sausalito, CA 94965 Craig Thornton

www.blueseptember.org

San Francisco Recreation & Park General Manager Phil Ginsburg

membernews Lockton Inc. hired Steven Kjar as vice president and retirement plan producer. Mechanics Bank

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New Members

Q&A with Phil Ginsberg This quarter, we speak with San Francisco Recreation & Park General Manager Phil Ginsburg about the impact of the city budget on the parks and recreation programs and the innovative ways the department is generating new revenue.


marketing. RMW architecture & interiors promoted Stan Lew, AIA, LEED® AP, to Associate and Rhea Butler to studio director. Safeway, Inc. promoted Jonathan Mayes to senior vice president of government relations, public affairs, corporate social responsibility and philanthropy. The company also appointed Kelly Griffith to the new position of president, merchandising. The San Francisco Examiner promoted Deirdre Hussey to executive editor. The San Francisco Hispanic Chamber of Commerce appointed Marc-Andrew Aguilera as chairperson, Fernando Rivera as vice chair and Lou Magallon as treasurer. SmithGroup hired Kim Swanson. Stone & Youngberg LLC hired Denise Flagg as vice president of the institutional sales and trading group. Swinerton Incorporated appointed Gary Wells as director of business development. United Way of the Bay Area appointed Stuart Canning as chief development officer. Virgin America hired John Varley as senior vice president and general counsel. Wells Fargo named Steve Godfrey as head of the foreign exchange e-commerce division. The company also hired Tony Orme as a senior vice president and business and market segment manager for the San Francisco region.

Mariann Costello, was nominated as second vice chair of the California Restaurant Association Board of Directors. Shorenstein Properties LLC chairman and CEO, Douglas Shorenstein, was selected as chair and Chevron Corp chief financial officer, Patricia Yarrington, was selected as deputy chair of the San Francisco Federal Reserve Bank for 2011. Submit your company’s news to [email protected]

Burson-Marsteller Public Relations Service 303 Second St., North Tower, Ste. 350 San Francisco, CA 94107 Nate Ballard www.bm.com Campton Place Hotel Hotels 340 Stockton St. San Francisco, CA 94108 Ashrafi Matcheswala

www.tajhotels.com

Cary Law Center, PC Arbitration & Mediation Services San Francisco, CA Catherine Cary

www.catherinecary.com Ceramics Annual of America Arts Organizations 521 First St Davis, CA 95616 John Natsoulas

www.ceramicsannual.org Circle Bank Banks 3938 24th St. San Francisco, CA 94114 Carlos Rivera

www.circlebank.com

Enrico’s Sidewalk Cafe Restaurants 504 Broadway San Francisco, CA 94133 Seamus B. Cronin

www.enricossf.com Eventbrite Inc. Event Production 410 Townsend St., Ste. 200 San Francisco, CA 94107 Brianna Haag

www.eventbrite.com Gears & Grapes Getaways, Inc. Tours - Operators & Promoters 623 Fillmore St. San Francisco, CA 94117

Christina Fan

www.adammetz.com The Morales Law Firm Attorneys - Criminal Law One Daniel Burnham Ct., Ste. 240C San Francisco, CA 94109 Chris Morales

Golden Gate Capital Group, LLC Equipment Leasing Services 145 Corte Madera Town Ctr., Ste. 120 Corte Madera, CA 94925

Natural Capitalism, Inc. (Sustainability Training) Training 82 Levant St. San Francisco, CA 94114

John Turnacliff

www.goldengatecapitalgroup.com Greener Promotions Advertising Specialties 2505 Pacific Ave. San Francisco, CA 94115 David Usner

www.greenerpromotions.net Referred by Crystal Shanks, ActionCOACH Business Coaching Gsolutionz, Inc. Telecommunications Telephone Equipment, Services & Systems 33 New Montgomery St., Ste. 1510 San Francisco, CA 94105 Gustavo Kalen

www.gsolutionz.com Referred by Jim Tatol, Top Speed Data Communications HOODZ of Northern San Francisco/Bay Area Kitchen Exhaust Cleaning 182 Howard St., Ste. 127 San Francisco, CA 94105 Kristi Frederick

www.hoodz.us.com In Good Health Insurance Group Insurance 1535 Eddy St., Ste. 413 San Francisco, CA 94115 Ludwing E. Demorizi

www.ingoodhealthinsurancegroup.com Indigo Payments Merchant Services 2000 Riveredge Pkwy., Ste. 745 Atlanta, GA 30328 Philip Galante

www.indigopayments.com Referred by Crystal Shanks, ActionCOACH Business Coaching International Mailing Equipment Mailing Machines & Equipment 336 N. 12th St. Sacramento, CA 95811 Rob Biedenweg

www.postagemeter.com ividence Computer Software 456 Montgomery St., Ste. 488 San Francisco, CA 94104 Chuck Swenberg

www.ividence.com Janet’s Residential Facility Residential Care Facilities 2970 25th Ave. San Francisco, CA 94132 Janet Spires

www.coltoncommercialsf.com

www.jenniferjaynes.com

Jennifer Jaynes

Constant Contact Online Marketing 1601 Trapelo Rd. Waltham, MA 02451

JetBlue Airways Airlines 4225 E. Donald Douglas Dr. Long Beach, CA 90808

Stuart Carty

Jace Hieda

www.constantcontact.com

www.jetblue.com

Craigslist Foundation Foundations 989 Market St., Ste. 200 San Francisco, CA 94103

La Ventana Eating Disorder Programs Eating Disorders Information and Treatment 3150 California St., Ste. 6 San Francisco, CA 94115

www.craigslistfoundation.org

www.laventanaED.com

Cypress Security Security Services 452 Tehama St. San Francisco, CA 94103

Leadership Business Consulting Consultants 425 California St., Ste. 1200 San Francisco, CA 94104

www.cypress-security.com

www.leadership-bc.com

Nils M. Welin

Metz Consulting Consultants 123 10th St. San Francisco, CA 94103

www.sfcriminallawspecialist.com

www.gearsandgrapes.com

The Law Office of Jennifer Jaynes Attorneys - Estate Planning & Tax PO Box 411594 San Francisco, CA 94141

Mindy Galoob

Marilen McIntyre

Arianne Goodman

Colton Commerical & Partners, Inc. Real Estate Commercial 555 Montgomery St., Ste. 1155 San Francisco, CA 94111 Jay Shaffer

McIntyre Insurance Services Insurance 3450 Sacramento St., Ste. 336 San Francisco, CA 94118

Ashley Pooley

Torben Rankine

Elliot Hoffman

www.natcapinc.com Referred by Gwen Kaplan, Ace Mailing, Inc. Pallas & Co Coach - Business 268 Bush St., Ste. 4102 San Francisco, CA 94104 Eleni Pallas

www.pallasco.com Payroll Resource Group, Inc. Payroll Services 180 Sansome St., Ste. 600 San Francisco, CA 94104

San Francisco Opera Guild Opera Education 301 Van Ness Ave. San Francisco, CA 94102 Susan Malott

www.sfopera.com/guild.asp Sibis Consulting Employee Benefits 220 Montgomery St., Ste. 1090 San Francisco, CA 94104 Nate Sayles

www.sibisinc.com SideMark Office Furniture & Equipment - Dealers 222 Sutter St., Ste. 750 San Francisco, CA 94108 Josh Katz

www.sidemark.com Referred by Steve Lawler, POLLACK architecture Silver Wing Consulting & Coaching Coach / Consultant - Business & Personal 152 Lombard St., #704 San Francisco, CA 94111 Keiko Hsu

www.silverwingconsulting.com Slow Food San Francisco Charitable Organizations 599 Third St., Ste. 301 San Francisco, CA 94107 Dava Guthmiller

www.slowfoodsanfrancisco.com Referred by Marian Mullally, MCM, Marketing & Business Strategies

Brad Sides

Karl Smayling Individual Membership

Premier Benefits Resources Insurance 2682 Bishop Dr., Ste. 214 San Ramon, CA 94583

Soroptimist International of San Francisco Women’s Organizations & Services 236 West Portal Ave., PBN 352 San Francisco, CA 94127

www.pbrbenefits.com Referred by Crystal Shanks, ActionCOACH Business Coaching

www.sfsoroptimist.org

www.p-r-g.com

Anne Marie Foley

Premier Lending, Inc. Real Estate Investments 1199 Howard Ave., Ste. 200 Burlingame, CA 94010 Faris Faraj

www.farajgroup.com Proforma Printing Plus (Printing, Promotions, E-Solutions) Marketing Consultants 25 Vasquez Ave. San Francisco, CA 94127 Patricia O’Neill

www.proforma.com/sf Qponomics (Location-Based Target Marketing) Marketing Consultants 1338 Bakar St., #8 San Francisco, CA 94115 Nick Avedesian

www.qponomics.com RLM Executive Transportation Limousine Service 274 Shotwell St. San Francisco, CA 94110 Ashley Adams

www.rlmexecutive.com Rahman Gramly LLP Attorneys 369 Pine St., Ste. 600 San Francisco, CA 94104 Shaana A. Rahman

www.rahmangramly.com Referred by Craig Ackerman, Ackerman Realty Group Rapid Debt Resolution Credit & Debt Counseling Services 1750 Montgomery St., 1st Flr. San Francisco, CA 94111 Scott Roseveare

www.rapiddebtresolution.com Real Estate Advisors, LLC Real Estate 201 Calfornia Street, Ste. 411 San Francisco, CA 94111 Scott Roseveare

www.realadvisors.com Carolyn Reinholdt - Solo Support Legal Services 2250 24th St., #234 San Francisco, CA 94107 Carolyn Reinholdt

www.solosupport.net Referred by Crystal Shanks, ActionCOACH Business Coaczhing Runway Couturier Fashion-Only Event Production Event Production 620 Jones St., Ste. 703 San Francisco, CA 94102 Fritz Sheldon

www.runwaycouturier.com

Karl Smayling

Gail Dekreon

Spa at the Intercontinental Hotel Day Spa 888 Howard St., 6th Flr. San Francisco, CA 94103 Rick Maack

www.interconspasf.com Specialists in Health Insurance Services Insurance 1399 Ygnacio Valley Rd., Ste. 210 Walnut Creek, CA 94598 Janelle Lee

www.sihis.com Stanley Steemer Carpet & Upholstery Cleaners 1500 Michigan St. San Francisco, CA 94124 Sanjay Bhandari

www.stanleysteemer.com Syntegratek, Inc. Computer Software & Systems Consulting 5214F Diamond Heights Blvd., Ste. 504 San Francisco, CA 94131 Ken Maki, MSIS

www.syntegratek.com Tower 737 Apartments 737 Post St. San Francisco, CA 94109 Bryan Taing

www.experience737.com Village Profile Publishers 33 N. Geneva St. Elgin, IL 60120 Mark Waligorski

www.villageprofile.com The Vin Club Restaurants 515 Broadway San Francisco, CA 94133 Dario Zucconi

www.thevinclub.com Clifford Waldeck, Business Products Specialist Office Supplies 7730 Pardee Ln. Oakland, CA 94621 Clifford Waldeck

www.givesomethingback.com Zelle Hofmann Voelbel & Mason LLP Attorneys 44 Montgomery St., Ste. 3400 San Francisco, CA 94104 Demetrius Lambrinos

www.zelle.com