HFLA-SA 2025 IMPACT REPORT

HEBREW FREE LOAN ASSOCIATION OF SAN ANTONIO Changing Lives while Building Community one interest-free, no-fee loan at a time since 1924 2025 IMPACT REPORT

1924-2024

SHARING the LIGHT

In 1924, at a time of fear and exclusion, members of San Antonio’s Jewish community came together to offer strength, compassion, and a hand up to those struggling to find their footing. They built the Hebrew Free Loan Association of San Antonio — a legacy of dignity and shared responsibility that continues to shine more than a century later. Today, as families and individuals across our community face new financial hardships — some newly challenged, others already fragile — your partnership makes all the difference. In the shadow of the recent government shutdown and its lasting impact, you give people a reason to believe in the power of community once again. Every loan we provide, interest-free and rooted in trust, carries with it your compassion. You help families stay in their homes, students continue their education, and small businesses survive hard times. Together, we’re keeping alive the values that define us — hope, responsibility, and unwavering care for one another. As we embark on 2026, you can keep the light of compassion, strength, and resilience shining brightly in the year ahead. Please make your tax-deductible gift now and ensure that our shared legacy of hope continues into the next century.

With warmest wishes and gratitude, Howard S. Feinberg CEO, Hebrew Free Loan Association of San Antonio

Staff: Howard Feinberg, Chief Executive Officer Kendra Barnes, Office Manager & Administrator David Schulz, Centennial Historian (not pictured)

HFLA-SA 2026 Leadership Team

Pictured: Top Left: Tim Grossman, Greg Marion, Idan Mazuz, Steve Saklad, Dr. Anatole Trakhtenbroit, and Rikko Ollervidez Middle Left: Meg Grossman and Freida Donzis Bottom Left: Jeff Siegel, Michcael Robbins. Mike Kelne, and Tzipi Bar Yadin

2026 Board Members: Tzipi Bar Yadin, Jared Diamond, Robin Diamond, Meg Grossman, Roger Lyons M.D., Idan Mazuz, Rikko Ollervidez, Michael Robbins, Past President; Natalie Steiner, Dr. Anatole Trakhtenbroit Officers: Mike Kelne, President; Freida Donzis, VP Loans; Tim Grossman, Treasurer & Past President; Greg Marion, VP; Steve Saklad, VP; Lizette Feld, Secretary; Jeff Siegel, Immediate Past President

WHO ARE WEHeadin g

WHAT WE DO HFLA-SA offers loans that meet many different needs.

Our loans are always 0% interest, no fee, and require monthly payments. Repayments are immediately available to loan again to someone else in need.

LOAN PROGRAMS

EDUCATION LOANS

VETERAN & DEPENDENTS LOANS Up to $6,000

OLDER ADULT LOANS Up to $6,000

PERSONAL LOANS Up to $10,000

Up to $5,000, PER SEMESTER

2025 YEAR IN REVIEW

$178,000 in New Interest-Free, No-Fee Loans

26 Total Loans 18 Personal Loans 5 Education Loans 3 Older Adult Loans

93 Loans currently outstanding totaling $324,995 to meet some of the needs of our community.

Hebrew Free Loan Association of San Antonio's Board of Directors, staff, and honored guests recently enjoyed its festive board installation dinner.

2025 Fiscal Year Financial Overview Loan Program Snapshot 202 5 Total Amount Loaned: $178,000 2024 TotalAmount Loaned: $97,000

2025 Total SA Jewish Households Loaned to: 26

2024 Total SA Jewish Households Loaned to: 19

Thanks to your generosity, our Board was able to increase the maximum loan limit to $10,000 on personal loans and offer $5,000 educational loans per semester instead of per year. The new loan terms directly resulted in a 37% increase in the number of loans funded from 2024 to 2025 and a 84% increase in the dollar amount of loans funded. We thank you for your 2025 donations totaling $114,506 from 64 households and organizations.

The parent of a young daughter could make early childhood Jewish education possible; now they’re all joyfully singing the Alef-Bet. A neighbor on disability income covered food needs after other revenue sources ran out. An individual managed unexpected bills and regained financial stability while maintaining his dignity. A student was able to enter Medical School. A neighbor was able to repair his tractor. A community member paid off a high-interest loan. RECENT LOANS FUNDED BY HFLA-SA MADE POSSIBLE BY YOUR GENEROSITY

Every loan is a lifeline. Every gift ensures more loan applications are funded. Because of you, dignity and hope are possible.

Happy Passover!

If you need a no-interest, no-fee loan up to $10,000 (Education, Home/Car Repairs, Medical Bills, Rent, Travel, Debt Consolidation, Personal Situations) call us at 210-736-4352 or visit www.hfla-sa.org for more information. Hebrew Free Loan Association of San Antonio wishes you and your family good health, happiness, peace, & prosperity this Passover season and throughout the year.

Heb r e w F r ee Loan A ss ocia t ion of San An t onio changing li v e s and b u ilding comm u ni ty s ince 1924 , and mo v ing fo rw a r d w i t h o ur f u nding p a rt ne rs :

SINCE 2020, HEBREW FREE LOAN ASSN. OF SAN ANTONIO HAS GRANTED 129 NEW INTEREST-FREE LOANS TOTALING $701,700

Hebrew Free Loan Association of San Antonio changing lives and building community since 1924, and moving forward with our funding partners:

2025 STATEMENT OF FINANCIAL POSITION ASSETS

Cash & Investments: $254,165 Pledges Receivable: $189,515 Loans Receivable: $361,044 Other Assets: $97,625 Total Assests as of 12/31/95: $902,349 LIABILITIES & EQUITY Total Liabilities: $4,781 General Fund: $897,924 Restricted Funds: $8,228 Endowment Account: $101,894

Net Income: $-110,478 Total Equity : $897,568

Total Liabilities Plus Equity as of 12/31/95: $902,349

"This book is living history of Jewish people and events in the San Antonio area. Pages are donated in honor of or in memory of loved ones and their contribution to the Jewish community. We find records of Bar and Bat Mitzvahs, marriages, births, elections to various Jewish organizations, and other achievements. It is both a written and photographic history. It is how we recognize a person's good deeds." (from HFLA-SA Diamond Jubilee, 1999)

These are just some of the 300+ pages in the Books of Reminiscence. Please visit https://www.hfla-sa.org/books of-reminiscence to browse or for more information on the Books of Reminiscence .

You can order a Books of Reminscence page honoring yourself, family, or organizaton by calling 210-736-4352 or for more information visit https://www.hfla sa.org/books-of reminiscence

Books of Reminiscence II Digital Books for the Next Century Pricing $500 per single page $3,600 per family book (5-10 pages)

Thank You! Your donations make it possible for us to offer interest-free loans to those who are facing financial hardship or working to realize their dreams. We are grateful for our 2025 donors and pledges! Joanie Alexander Amols Bonnie & Barry Bankler Barshop Jewish Community Center of SA Bar Yadin Family Foundation Big State Financial Judge Jonathan Blucher B'nai B'rith San Antonio Alamo Lodge Dr. Leon & Bobbie Ghitis Michael Goldstone Meg and Tim Grossman Diane Gunning Gurinsky’s Fine Jewelry Dr. Dana Harmon

Nothing Bundt Cakes Shavano Park Ann Nurre & David Schulz Operational Servies, TDM Peggy’s on the Green Alan Petlin Harriet and David Pinansky Michael Robbins Jenn & James Rosenblatt Lauren and Marc Ross Ross & Stern Family Fund Matthew Saal Amy & Steve Saklad San Antonio Jewish Senior Services San Antonio Missions Baseball Club Gaby Scharlack Rivka Schechter Laura Schnitzler Commander Herschel & Joyce Sheiness Rick Sieband Jeff Siegel Linda Siegel Matthew Starr Temple Beth-El Sherie & Dr. Anatole Trakhtenbroit

Harmony Smile Care Jorge Yaacov Herszage Raquel & Leonard Holzman Lance and Robin Hoppes Dr. Rosalind Horowitz Jewish Federation of San Antonio Judy and Mike Kelne Marianne Kestenbaum Kids Smile Pediatric Dentistry Stephan Kline Kona Ice San Antonio

Bohanan's Prime Steaks & Seafood Carol Brumer & Richard Parker Chabad Israeli Center Chicago Bagel & Deli Chill N Nitrogen Ice Cream Marilyn Collins Congregation Agudas Achim Congregation Rodfei Sholom Ismelda Correa Cover 3 Robin & Jared Diamond Jessica Diric Freida Donzis Howard & Esther Feinberg Lizette & Brian Feld David Fisher Diane & Ian Fisher Nancy Fractor Tyler & Valerie Fuller Sharon Abelman Gewertz

Scott Lefton Harry Levy Barbara & Dr. Roger Lyons Jodi & Greg Marion Bebby & Arhur Marlin Drs. Alvin & Nola Marx Sammi & Idan Mazuz Stephanie Kotick Mendiola Ira & Julie Miller Moon Mippy Barbara & Jeffrey Moss

Jill & Tibarek Vexler Mathew Wahrman Susan Whipple Your Mechanic LLC

HFLA-SA Life & Legacy Endowment Commitments

Robyn Abelow Anonymous Ruben Bar-Yadin Tzipora Bar-Yadin We would like to extend a grateful thank you to the following individuals who have chosen to honor HFLA-SA with a Life & Legacy endowment gift. ​ Raquel Holzman Nehemia "Nammie" Ichilov Mike Kelne Beth Karen Keough Allison Abelow Laughinghouse Dr. Roger & Barbara Lyons Shari Markowitz

Uri Bar-Yadin Dr. Mel Cohen Jared Diamond Robin Diamond Jessica Diric Roger Eth Esther Feinberg Howard S. Feinberg Melissa Mensch Fiero Hinda Kanter Greenberg Charles Gurinsky Rhonda Gurinsky Danna Halff Dr. Jorge Yaacov Herszage Michael R. Hardy Sally Hardy Jessica Hernandez Joe Hernandez Leonard Holzman Meg Grossman Tim Grossman

Davora Peck Christi Petitt Alan Petlin David M. Pinansky Harriet Pinansky Laura Zausmer Richardson Michael Richardson Michael Robbins Gena Ross Jenna Clare Ross Barbara Scharf-Zeldes Roberta "Rivka" Schechter Jeff Siegel Allan Smith

Hebrew Free Loan Association of San Antonio 12500 NW Military Highway Suite 200 San Antonio, TX 78231 Changing Lives while Building Community since 1924

It has truly been quite a journey. For those who may not know my story, I first came to HFLA SA as a borrower. My children also benefited as borrowers to help support their college education and avoid student debt. Because of this, HFLA-SA holds a deeply personal and meaningful place in my heart. My involvement began over 15 years ago as a non-voting board member, as I still had an active loan. Once my loan was fully paid, I became a voting member, later served on the Executive Committee as VP of Development, and eventually had the privilege of serving as Board President. These last three years as president have been an honor. When I joined the board all those years ago, HFLA-SA's total assets were under $300,000, and few people in the community even knew who we were. We worked hard to raise awareness within the San Antonio Jewish community, but lending activity was minimal—maybe 8–10 loans a year. Then momentum began to build. In 2017, we hosted our first gala in many years. The word began to spread. We followed with our community picnic in 2018–2019, which brought even more visibility. Loans increased to over 20 per year, and assets grew past $300,000. From there, we made a strategic decision to invest in the agency and grow to the next level. We brought on Howard Feinberg as CEO and Kendra Barnes as Administrator. As President, I had the privilege of working closely with Howard and Kendra to develop a strategic plan and chart a long-term vision—work that became one of my proudest achievements. Together with our dedicated lay leaders and professional team, we leveraged HFLA-SA’s 100th anniversary as a springboard for growth. And in 2024, our assets surpassed $1 million. An extraordinary milestone and a testament to the passion of our team and the generosity of our community. We are a close, committed group who truly enjoy working alongside one another. We have fun, we challenge each other, and we respect each other deeply. I leave every board meeting and event inspired and grateful. The work we do matters. There is no other organization in San Antonio doing what we do, and the stories of our borrowers remind me every day why we continue this mission—one loan at a time.

Board of Directors Mike Kelne President Freida Donzis VP Loans Greg Marion VP Steve Saklad VP Tim Grossman Treasurer Lizette Field Secretary Jeff Siegel Immediate Past President Tzipi Bar Yadin Jared Diamond Robin Diamond Meg Grossman Roger M. Lyons M.D. Idan Mazuz

Rikko Ollervidez Michael Robbins Natalie Steiner

Dr. AnatoleTrakhtenbroit

Staff

Howard Feinberg Chief Executive Officer Kendra Barnes Administrator David Schulz Centennial Historian

“Let Not Kindness and Truth Forsake Thee”

Phone: 210-736-4352

Email: info@hfla-sa.org

Web: www.hfla-sa.org

Hebrew Free Loan Association of San Antonio 12500 NW Military Highway Suite 200 San Antonio, TX 78231 Changing Lives while Building Community since 1924

Board of Directors Mike Kelne President Freida Donzis VP Loans Greg Marion VP Steve Saklad VP Tim Grossman Treasurer Lizette Field Secretary Jeff Siegel Immediate Past President Tzipi Bar Yadin Jared Diamond Robin Diamond Meg Grossman Roger M. Lyons M.D. Idan Mazuz Rikko Ollervidez Michael Robbins Natalie Steiner Dr. AnatoleTrakhtenbroit Howard Feinberg Chief Executive Officer Kendra Barnes Administrator David Schulz Centennial Historian Staff

As I transition out of the role of President, I want to sincerely thank the board, the Executive Committee, and Howard and Kendra for your partnership and unwavering support. Everything we have accomplished has been because of our shared dedication. I am excited for what lies ahead. With Mike Kelne stepping in as incoming President, and with this incredible board and leadership team behind him, I know HFLA-SA will continue to thrive and serve our community with impact and purpose. Here’s to the next 100 years—and to continue to lift lives and strengthen our community one loan at a time. I am humbled by what we have achieved together, and grateful to all of you who have helped us reach this moment. With appreciation,

Jeff Siegel Immediate Past President

“Let Not Kindness and Truth Forsake Thee”

Phone: 210-736-4352

Email: info@hfla-sa.org

Web: www.hfla-sa.org

Hebrew Free Loan Association of San Antonio 12500 NW Military Highway Suite 200 San Antonio, TX 78231 Changing Lives while Building Community since 1924

Board of Directors Mike Kelne President Freida Donzis VP Loans Greg Marion VP Steve Saklad VP Tim Grossman Treasurer Lizette Field Secretary Jeff Siegel Immediate Past President Tzipi Bar Yadin Jared Diamond Robin Diamond Meg Grossman Roger M. Lyons M.D. Idan Mazuz Rikko Ollervidez Michael Robbins Natalie Steiner Dr. AnatoleTrakhtenbroit

To Members of San Antonio’s Jewish Community, As we begin the new year, one thing is certain and that’s uncertainty. No one knows what will happen with jobs, prices or many other things that we used to regard as stable and reliable. When paychecks are interrupted due to job loss or shutdowns, or when we face unbudgeted home or car repairs or medical bills, people often need a temporary financial helping hand. That’s where Hebrew Free Loan Association of San Antonio can help with no-interest, no-fee loans. We’ve been doing this since 1924, and the need in our community continues to grow. You can see details of this growth throughout this report. It's the responsibility of HFLA-SA’s leadership to grow the resources needed to meet this growing need. We will do this not only with fundraising efforts, such as our annual picnic with the JCC (slated for Sunday, May 17, 2026) and periodic appeals, but also by operating ethically, efficiently and confidentially to be worthy of our community’s support. There are still many in San Antonio’s Jewish community who don’t know HFLA-SA and what we do, so education will also be a focus. We hope to reach the point that when members of San Antonio’s Jewish community need financial help they will automatically think of HFLA and reach out to us. Your help in raising awareness of who we are and what we do will be key to people getting the financial helping hand they need. Tell your family; tell your friends. Thank you for your continued support and may we all have a healthy and meaningful year.

Mike Kelne President

Pictured Left to Right: Howard Feinberg, Chief Executive Officer Mike Kelne, President

Staff

Howard Feinberg Chief Executive Officer Kendra Barnes Administrator David Schulz Centennial Historian

“Let Not Kindness and Truth Forsake Thee”

Phone: 210-736-4352

Email: info@hfla-sa.org

Web: www.hfla-sa.org

Recap of HFLA-SA in the Community in 2025

HFLA-SA Community Picnic & Fun Day at the

Come Celebrate Summer as One SA Jewish Community Save the Date: Sunday, May 17th, at 12:00 - 3:00 pm

Hebrew Free Loan Association of San Antonio changing lives and building community since 1924, and moving forward with our loan-funding partners:

Hebrew Free Loan Association of San Antonio is proud to partner with the following organizations to help members of our Jewish community meet economic challenges one interest-free loan at a time.

Thank You to our Loan-Funding Partners

12500 NW Military Highway, Suite 200 San Antonio, TX 78231 210-736-4352

info@hfla-sa.org www.hfla-sa.org