History of Viejas
* 1542 - First European Contact
* 1769 - The Spanish Mission Period
* 1821 - Mexican Independence
* 1848 - United States Annexes California
* 1875 - Capitan Grande Reservation 
* 1924 - Indians Recognized As Citizens
* 1932 - Los Canejos Village and Capitan Grande
                  Forced Out
* 1934 - Viejas Reservation
* 1988 - IGRA
* 1991 - Viejas Casino
* 1997 - Bank Purchase
* 1998 - Viejas Outlet Center
* 2000 - California Amends Constitution
* 2002 - Tribal Partnership in Hotel

Bank Purchase
* Economic diversification
* Making money on own money
* Fees paid for service
* Deposits
* Expand financial and business expertise
* Enhance credibility through successfully operating in a mainstream, highly regulated environment
* Gain the best access possible to banks for the future

Moving Forward with Viejas
* Move the bank to a level where a sound economic future is insured
* Develop banking services specifically designed to meet the needs of Native American communities 
* The first bank to be a true partnership between the Native American community and the American community

Tribal Program Development
* Develop programs first for Viejas' needs
* Implement, test and refine at Viejas
* Offer those programs to other tribes with similar needs
* Expand programs to assist all tribes through government programs or businesses

Tribal Programs
* Banking Services Adopted To Tribal Government Needs
* Banking outreach to tribal members
* Credit assistance
* Per capita based loan programs
* Deferred compensation
* Trusts for future generations and elders
* Asset allocation and risk policies-models
* Economic Diversification

Per Capita Loan Program
* Established by contract between the tribe and the bank
* Tribe agrees to allow pledge of individual's per capita income as collateral
* Tribal government adopts procedures for assignment, recordation of lien, and default
* Program size is established by contract

Tribe's Experience 
* The diversification into the bank financially impacted all business and government operations positively
* Knowledge, experience and access to expertise has positively impacted all tribal operations
* Significantly improved access to all levels of financial services and reduced cost of capital
* Improved tribal members financial expertise, enhanced their credit options, gave them access to assistance. 

Bank's Experience
* Process, respect, patience, trust
* Focus on the Government
* Not every tribe is ready
* Remain focused on niche


Touch 'N' Go Check System

Resources
* www.borregospringsbank.com

* www.viejas.com

* www.kumeyaay.com

* www.pechanga.net