He's an NBA All-Star; she's a two-time Olympic gold medalist and World Cup champion. But for Jrue and Lauren Holiday, their commitment to excellence transcends sports. Last year, they boldly pledged the remainder of Jrue's 2019-20 salary and created the JLH Impact Fund to support Black-owned businesses and Black-led nonprofits in communities closest to their hearts. Listen as they share their story and the crossroads that transformed their purpose and influence for good. Hear the full episode anywhere you listen to podcasts. https://plnk.to/CT?to=page Note to All Readers: The information contained here reflects the views of AllianceBernstein L.P. or its affiliates and sources it believes are reliable as of the date of this podcast. AllianceBernstein L.P. makes no representations or warranties concerning the accuracy of any data. There is no guarantee that any projection, forecast or opinion in this material will be realized. Past performance does not guarantee future results. The views expressed here may change at any time after the date of this podcast. This podcast is for informational purposes only and does not constitute investment advice. AllianceBernstein L.P. does not provide tax, legal or accounting advice. It does not take an investor’s personal investment objectives or financial situation into account; investors should discuss their individual circumstances with appropriate professionals before making any decisions. This information should not be construed as sales or marketing material or an offer or solicitation for the purchase or sale of any financial instrument, product or service sponsored by AllianceBernstein or its affiliates. The [A/B] logo is a registered service mark of AllianceBernstein, and AllianceBernstein® is a registered service mark, used by permission of the owner, AllianceBernstein L.P. © 2021 AllianceBernstein L.P.

Changing the Trajectory

Impact for Influence: Jrue and Lauren Holiday

Did you know that 90% of Black small businesses are sole proprietors or only have one or two employees? Today, James speaks with Kelly Ifill, founder and CEO of Guava, a full-service digital bank working to become Black Americans' financial institution of choice. Guava works to serve Black small business owners and provide resources for their enterprises. How will Guava help create wealth for communities systematically boxed out of the game? Listen to the full episode of #ChangingtheTrajectory anywhere you listen to podcasts. https://plnk.to/CT?to=page Note to All Readers: The information contained here reflects the views of AllianceBernstein L.P. or its affiliates and sources it believes are reliable as of the date of this podcast. AllianceBernstein L.P. makes no representations or warranties concerning the accuracy of any data. There is no guarantee that any projection, forecast or opinion in this material will be realized. Past performance does not guarantee future results. The views expressed here may change at any time after the date of this podcast. This podcast is for informational purposes only and does not constitute investment advice. AllianceBernstein L.P. does not provide tax, legal or accounting advice. It does not take an investor’s personal investment objectives or financial situation into account; investors should discuss their individual circumstances with appropriate professionals before making any decisions. This information should not be construed as sales or marketing material or an offer or solicitation for the purchase or sale of any financial instrument, product or service sponsored by AllianceBernstein or its affiliates. The [A/B] logo is a registered service mark of AllianceBernstein, and AllianceBernstein® is a registered service mark, used by permission of the owner, AllianceBernstein L.P. © 2021 AllianceBernstein L.P.

How Guava Will Level the Playing Field

After a career in city government, Jeff Lindor wanted to use his skills to better serve his community. Resisting a soul-crushing rise through the ranks in isolation, he started The Gentleman's Factory—a global community of Black and Brown professionals and entrepreneurs invested in each other's success. Learn about The Gentleman's Factory's thriving ecosystem and why "when communities come together, we move the world." Listen to the full episode of #ChangingtheTrajectory anywhere you listen to podcasts. https://plnk.to/CT?to=page Note to All Readers: The information contained here reflects the views of AllianceBernstein L.P. or its affiliates and sources it believes are reliable as of the date of this podcast. AllianceBernstein L.P. makes no representations or warranties concerning the accuracy of any data. There is no guarantee that any projection, forecast or opinion in this material will be realized. Past performance does not guarantee future results. The views expressed here may change at any time after the date of this podcast. This podcast is for informational purposes only and does not constitute investment advice. AllianceBernstein L.P. does not provide tax, legal or accounting advice. It does not take an investor’s personal investment objectives or financial situation into account; investors should discuss their individual circumstances with appropriate professionals before making any decisions. This information should not be construed as sales or marketing material or an offer or solicitation for the purchase or sale of any financial instrument, product or service sponsored by AllianceBernstein or its affiliates. The [A/B] logo is a registered service mark of AllianceBernstein, and AllianceBernstein® is a registered service mark, used by permission of the owner, AllianceBernstein L.P. © 2021 AllianceBernstein L.P.

Just Say No to Isolation: The Evolution of The Gentleman’s Factory

"Where there's a will, there's a way." Well, not always. But, "If you fail to plan, you plan to fail” are words James and his guests today uphold. Tiffany McKenzie, Partner at Harrison & Held LLP, discusses why estate planning is a vital function of passing on generational wealth for minority groups and rectifying the racial wealth gap. She and Bernstein financial advisor Lonnell Williams share insightful ways to plan for harmony when you're gone. Why should pre-death planning involve more than just a will? Listen to the full episode of #ChangingtheTrajectory anywhere you listen to podcasts. https://plnk.to/CT?to=page Note to All Readers: The information contained here reflects the views of AllianceBernstein L.P. or its affiliates and sources it believes are reliable as of the date of this podcast. AllianceBernstein L.P. makes no representations or warranties concerning the accuracy of any data. There is no guarantee that any projection, forecast or opinion in this material will be realized. Past performance does not guarantee future results. The views expressed here may change at any time after the date of this podcast. This podcast is for informational purposes only and does not constitute investment advice. AllianceBernstein L.P. does not provide tax, legal or accounting advice. It does not take an investor’s personal investment objectives or financial situation into account; investors should discuss their individual circumstances with appropriate professionals before making any decisions. This information should not be construed as sales or marketing material or an offer or solicitation for the purchase or sale of any financial instrument, product or service sponsored by AllianceBernstein or its affiliates. The [A/B] logo is a registered service mark of AllianceBernstein, and AllianceBernstein® is a registered service mark, used by permission of the owner, AllianceBernstein L.P. © 2021 AllianceBernstein L.P.

Getting Your Affairs in Order

Why is Atlanta, long known as a mecca for upward mobile African-Americans, number two in America in income inequality? And as home to the second-largest number of Black-owned businesses in the country, why are their employees often not counted in census data? Today on our show, Latresa McLawhorn Ryan of the Atlanta Wealth Building Initiative shares how her nonprofit challenges systemic bias and introduces new systems and structures of capital to achieve shared prosperity. Learn how AWBI helps people of color build wealth in a way that has a responsibility to community. Listen to the full episode of #ChangingtheTrajectory anywhere you listen to podcasts. https://plnk.to/CT?to=page Note to All Readers: The information contained here reflects the views of AllianceBernstein L.P. or its affiliates and sources it believes are reliable as of the date of this podcast. AllianceBernstein L.P. makes no representations or warranties concerning the accuracy of any data. There is no guarantee that any projection, forecast or opinion in this material will be realized. Past performance does not guarantee future results. The views expressed here may change at any time after the date of this podcast. This podcast is for informational purposes only and does not constitute investment advice. AllianceBernstein L.P. does not provide tax, legal or accounting advice. It does not take an investor’s personal investment objectives or financial situation into account; investors should discuss their individual circumstances with appropriate professionals before making any decisions. This information should not be construed as sales or marketing material or an offer or solicitation for the purchase or sale of any financial instrument, product or service sponsored by AllianceBernstein or its affiliates. The [A/B] logo is a registered service mark of AllianceBernstein, and AllianceBernstein® is a registered service mark, used by permission of the owner, AllianceBernstein L.P. © 2021 AllianceBernstein L.P.

A Focus on Community Capital

At the intersection of HBCUs and venture capital lies HBCUvc—a nonprofit dedicated to bringing more Black and Brown investors into the venture capital ecosystem. Jaisa Minor, Head of Partnerships at HBCUvc, joins James in conversation today with HBCUvc benefactors Brantly Fulton, Lab Fund recipient and CEO of Lamar IoT, and Trea’jure Dahl, Spelman College junior and HBCUvc fellow. For firsthand insights on why there is nothing stronger than a community investing in itself, listen to the full episode of #ChangingtheTrajectory anywhere you listen to podcasts. https://plnk.to/CT?to=page  Note to All Readers: The information contained here reflects the views of AllianceBernstein L.P. or its affiliates and sources it believes are reliable as of the date of this podcast. AllianceBernstein L.P. makes no representations or warranties concerning the accuracy of any data. There is no guarantee that any projection, forecast or opinion in this material will be realized. Past performance does not guarantee future results. The views expressed here may change at any time after the date of this podcast. This podcast is for informational purposes only and does not constitute investment advice. AllianceBernstein L.P. does not provide tax, legal or accounting advice. It does not take an investor’s personal investment objectives or financial situation into account; investors should discuss their individual circumstances with appropriate professionals before making any decisions. This information should not be construed as sales or marketing material or an offer or solicitation for the purchase or sale of any financial instrument, product or service sponsored by AllianceBernstein or its affiliates. The [A/B] logo is a registered service mark of AllianceBernstein, and AllianceBernstein® is a registered service mark, used by permission of the owner, AllianceBernstein L.P. © 2021 AllianceBernstein L.P.

Nothing Is Stronger Than a Community Investing in Itself

When Tanya Van Court’s 8-year-old daughter asked for a new bike and enough money to start an investment account for her 9th birthday, Tanya knew: “If I can get every child in Bed-Stuy and every child across America who looks like you to say that, I can change the world." James’s guests today work with passion and intention to solve for the wealth disparities that exist in America. Karim Hill, Executive Director of The American College Center for Economic Empowerment and Equality, and Tanya Van Court, Founder and CEO of Goalsetter, aim to galvanize underserved people to achieve financial freedom through education, investment know-how, and more. Listen to the full episode of #ChangingtheTrajectory anywhere you listen to podcasts. https://plnk.to/CT?to=page  Note to All Readers: The information contained here reflects the views of AllianceBernstein L.P. or its affiliates and sources it believes are reliable as of the date of this podcast. AllianceBernstein L.P. makes no representations or warranties concerning the accuracy of any data. There is no guarantee that any projection, forecast or opinion in this material will be realized. Past performance does not guarantee future results. The views expressed here may change at any time after the date of this podcast. This podcast is for informational purposes only and does not constitute investment advice. AllianceBernstein L.P. does not provide tax, legal or accounting advice. It does not take an investor’s personal investment objectives or financial situation into account; investors should discuss their individual circumstances with appropriate professionals before making any decisions. This information should not be construed as sales or marketing material or an offer or solicitation for the purchase or sale of any financial instrument, product or service sponsored by AllianceBernstein or its affiliates. The [A/B] logo is a registered service mark of AllianceBernstein, and AllianceBernstein® is a registered service mark, used by permission of the owner, AllianceBernstein L.P. © 2021 AllianceBernstein L.P.

Empowering Economic Justice Through Financial Literacy

Angel investor Lorine Pendleton once heard a quote that so shocked her, it changed the course of her career: "Only 1% of VC dollars go to African American founders." Today Lorine is Lead Partner in Rising America, a VC fund dedicated to investing in companies with underrepresented founders. Renee King cofounded Fund Black Founders after an entrepreneurial venture of her own led to a hyperawareness of the immense funding gap Black entrepreneurs face. This Women's History Month, James speaks with these dynamic women about the vital work they are doing to better Black entrepreneurs' odds and create a network effect. Listen to the full episode of #ChangingtheTrajectory anywhere you listen to podcasts. https://plnk.to/CT?to=page  Note to All Readers: The information contained here reflects the views of AllianceBernstein L.P. or its affiliates and sources it believes are reliable as of the date of this podcast. AllianceBernstein L.P. makes no representations or warranties concerning the accuracy of any data. There is no guarantee that any projection, forecast or opinion in this material will be realized. Past performance does not guarantee future results. The views expressed here may change at any time after the date of this podcast. This podcast is for informational purposes only and does not constitute investment advice. AllianceBernstein L.P. does not provide tax, legal or accounting advice. It does not take an investor’s personal investment objectives or financial situation into account; investors should discuss their individual circumstances with appropriate professionals before making any decisions. This information should not be construed as sales or marketing material or an offer or solicitation for the purchase or sale of any financial instrument, product or service sponsored by AllianceBernstein or its affiliates. The [A/B] logo is a registered service mark of AllianceBernstein, and AllianceBernstein® is a registered service mark, used by permission of the owner, AllianceBernstein L.P. © 2021 AllianceBernstein L.P.

Creating a Network Effect

What do Stacy Abrams, Kamala Harris, and Raphael Warnock have in common besides a penchant for politics? They are all graduates of Historically Black Colleges and Universities (HBCUs)! In honor of Black History Month, James and his guests Adrienne Lance Lucas, Ronald Mason, Waymond Jackson, and Rodney Trapp focus on HBCUs' importance as hubs of leadership and entrepreneurship. In historical appreciation of the contributions of HBCUs to Black education and opportunities, a lively and informative discussion follows. Learn how you can best support these vital institutions and invest in HBCUs to keep their momentum going as they continue to produce and elevate Black talent. Listen to the full episode below or anywhere you listen to podcasts. https://plnk.to/CT?to=page Note to All Readers: The information contained here reflects the views of AllianceBernstein L.P. or its affiliates and sources it believes are reliable as of the date of this podcast. AllianceBernstein L.P. makes no representations or warranties concerning the accuracy of any data. There is no guarantee that any projection, forecast or opinion in this material will be realized. Past performance does not guarantee future results. The views expressed here may change at any time after the date of this podcast. This podcast is for informational purposes only and does not constitute investment advice. AllianceBernstein L.P. does not provide tax, legal or accounting advice. It does not take an investor’s personal investment objectives or financial situation into account; investors should discuss their individual circumstances with appropriate professionals before making any decisions. This information should not be construed as sales or marketing material or an offer or solicitation for the purchase or sale of any financial instrument, product or service sponsored by AllianceBernstein or its affiliates. The [A/B] logo is a registered service mark of AllianceBernstein, and AllianceBernstein® is a registered service mark, used by permission of the owner, AllianceBernstein L.P. © 2021 AllianceBernstein L.P.

This is Our Time: The Impact and Influence of HBCUs

What is a power broker for change? Leon Ford will teach you. During a traffic stop in 2012, Leon was racially profiled and shot five times by Pittsburgh police, resulting in losing his ability to walk. James speaks with Leon and AB Financial Advisor Richard Murray about perseverance, community building, and Leon's journey to financial literacy on today's episode. Leon lives a life of purpose, driven by creating legacy and consensus-building to enact change. Listen to the full episode of #ChangingtheTrajectory anywhere you listen to podcasts. https://plnk.to/CT?to=page  Note to All Readers: The information contained here reflects the views of AllianceBernstein L.P. or its affiliates and sources it believes are reliable as of the date of this podcast. AllianceBernstein L.P. makes no representations or warranties concerning the accuracy of any data. There is no guarantee that any projection, forecast or opinion in this material will be realized. Past performance does not guarantee future results. The views expressed here may change at any time after the date of this podcast. This podcast is for informational purposes only and does not constitute investment advice. AllianceBernstein L.P. does not provide tax, legal or accounting advice. It does not take an investor’s personal investment objectives or financial situation into account; investors should discuss their individual circumstances with appropriate professionals before making any decisions. This information should not be construed as sales or marketing material or an offer or solicitation for the purchase or sale of any financial instrument, product or service sponsored by AllianceBernstein or its affiliates. The [A/B] logo is a registered service mark of AllianceBernstein, and AllianceBernstein® is a registered service mark, used by permission of the owner, AllianceBernstein L.P. © 2020 AllianceBernstein L.P.

Legacy Through Tragedy with Leon Ford

Fresh perspectives. Important discussions. Insightful conversations with inspiring thought-leaders and change agents. 2020 has been memorable in more ways than one. Today James shares some of his favorite moments from Changing the Trajectory’s inaugural year, featuring highlights from conversations that educate, inspire, and empower thought and action for the advancement of Black and Brown communities. Listen to the full episode of #ChangingtheTrajectory anywhere you listen to podcasts. https://plnk.to/CT?to=page  Note to All Readers: The information contained here reflects the views of AllianceBernstein L.P. or its affiliates and sources it believes are reliable as of the date of this podcast. AllianceBernstein L.P. makes no representations or warranties concerning the accuracy of any data. There is no guarantee that any projection, forecast or opinion in this material will be realized. Past performance does not guarantee future results. The views expressed here may change at any time after the date of this podcast. This podcast is for informational purposes only and does not constitute investment advice. AllianceBernstein L.P. does not provide tax, legal or accounting advice. It does not take an investor’s personal investment objectives or financial situation into account; investors should discuss their individual circumstances with appropriate professionals before making any decisions. This information should not be construed as sales or marketing material or an offer or solicitation for the purchase or sale of any financial instrument, product or service sponsored by AllianceBernstein or its affiliates. The [A/B] logo is a registered service mark of AllianceBernstein, and AllianceBernstein® is a registered service mark, used by permission of the owner, AllianceBernstein L.P. © 2020 AllianceBernstein L.P.

The Best of Changing the Trajectory

What do economic and community development, healthcare, and education all have in common? Hint: for under-resourced communities, the answer isn't equity. Want to help bridge the gaps but don't know how? Today, James speaks with trailblazer Karen Hunter—host of Sirius XM's "The Karen Hunter Show"—and Eric Glass, Senior Portfolio Manager of Muni-Impact Strategies at AB, about investing and acting with intention to impact the social change we want to see. All hands on deck, minds, and dollars to work. Listen to the full episode of #ChangingtheTrajectory anywhere you listen to podcasts. https://plnk.to/CT?to=page  Note to All Readers: The information contained here reflects the views of AllianceBernstein L.P. or its affiliates and sources it believes are reliable as of the date of this podcast. AllianceBernstein L.P. makes no representations or warranties concerning the accuracy of any data. There is no guarantee that any projection, forecast or opinion in this material will be realized. Past performance does not guarantee future results. The views expressed here may change at any time after the date of this podcast. This podcast is for informational purposes only and does not constitute investment advice. AllianceBernstein L.P. does not provide tax, legal or accounting advice. It does not take an investor’s personal investment objectives or financial situation into account; investors should discuss their individual circumstances with appropriate professionals before making any decisions. This information should not be construed as sales or marketing material or an offer or solicitation for the purchase or sale of any financial instrument, product or service sponsored by AllianceBernstein or its affiliates. The [A/B] logo is a registered service mark of AllianceBernstein, and AllianceBernstein® is a registered service mark, used by permission of the owner, AllianceBernstein L.P. © 2020 AllianceBernstein L.P.

Karen Hunter and Social Impact: "All Hands on Deck"

What are the realities of being Black in corporate America? Statistics show that structural racism persists, and Black professionals systematically experience bias, barriers to advancement, and a glaring lack of visibility in the workplace. James Seth Thompson, in conversation with Lanaya Irvin, President of the global think tank Coqual, and David Clunie, Executive Director of the Black Economic Alliance and a former Obama appointee at the Treasury Department at the White House, discuss the data behind the inequities Black talent faces and how such factors impact economic challenges present in Black America today. Tune in for a meaningful exchange of personal experiences as Black professionals in corporate America, why intentionality is crucial, and the importance of leveraging your platform to drive change. Listen to the full episode of #ChangingtheTrajectory anywhere you listen to podcasts. https://plnk.to/CT?to=page Note to All Readers: The information contained here reflects the views of AllianceBernstein L.P. or its affiliates and sources it believes are reliable as of the date of this podcast. AllianceBernstein L.P. makes no representations or warranties concerning the accuracy of any data. There is no guarantee that any projection, forecast or opinion in this material will be realized. Past performance does not guarantee future results. The views expressed here may change at any time after the date of this podcast. This podcast is for informational purposes only and does not constitute investment advice. AllianceBernstein L.P. does not provide tax, legal or accounting advice. It does not take an investor’s personal investment objectives or financial situation into account; investors should discuss their individual circumstances with appropriate professionals before making any decisions. This information should not be construed as sales or marketing material or an offer or solicitation for the purchase or sale of any financial instrument, product or service sponsored by AllianceBernstein or its affiliates. The [A/B] logo is a registered service mark of AllianceBernstein, and AllianceBernstein® is a registered service mark, used by permission of the owner, AllianceBernstein L.P. © 2020 AllianceBernstein L.P.

Black in Corporate America: When Ambition and Talent is Still Not Enough

Creating a profitable brand is a way to leave a legacy for our families and build generational wealth for our children's children. Vanessa Braxton, CEO and Founder of Black Momma Vodka and Tea, is the first female African-American distiller and operator of a multi-million-dollar nationally distributed vodka brand. In conversation with James Seth Thompson, Braxton shares the details of her unexpected path to entrepreneurship. For this and why access, exposure and financial literacy are equally vital to building family legacy, listen to the full episode of #ChangingtheTrajectory anywhere you listen to podcasts. https://plnk.to/CT?to=page Note to All Readers: The information contained here reflects the views of AllianceBernstein L.P. or its affiliates and sources it believes are reliable as of the date of this podcast. AllianceBernstein L.P. makes no representations or warranties concerning the accuracy of any data. There is no guarantee that any projection, forecast or opinion in this material will be realized. Past performance does not guarantee future results. The views expressed here may change at any time after the date of this podcast. This podcast is for informational purposes only and does not constitute investment advice. AllianceBernstein L.P. does not provide tax, legal or accounting advice. It does not take an investor’s personal investment objectives or financial situation into account; investors should discuss their individual circumstances with appropriate professionals before making any decisions. This information should not be construed as sales or marketing material or an offer or solicitation for the purchase or sale of any financial instrument, product or service sponsored by AllianceBernstein or its affiliates. The [A/B] logo is a registered service mark of AllianceBernstein, and AllianceBernstein® is a registered service mark, used by permission of the owner, AllianceBernstein L.P. © 2020 AllianceBernstein L.P.

Building Family Legacy Through Entrepreneurship

African Americans are 48 million strong in the United States. But what does the data reveal about Black consumer impact on U.S. economics and culture? Crisis manager Drew McCaskill gets us up to speed, empowering African Americans to understand just how powerful and influential they are. For a crash course into conscious consumerism and the three epicenters of African American power, listen to the full episode of #ChangingtheTrajectory anywhere you listen to podcasts. https://plnk.to/CT?to=page Note to All Readers: The information contained here reflects the views of AllianceBernstein L.P. or its affiliates and sources it believes are reliable as of the date of this podcast. AllianceBernstein L.P. makes no representations or warranties concerning the accuracy of any data. There is no guarantee that any projection, forecast or opinion in this material will be realized. Past performance does not guarantee future results. The views expressed here may change at any time after the date of this podcast. This podcast is for informational purposes only and does not constitute investment advice. AllianceBernstein L.P. does not provide tax, legal or accounting advice. It does not take an investor’s personal investment objectives or financial situation into account; investors should discuss their individual circumstances with appropriate professionals before making any decisions. This information should not be construed as sales or marketing material or an offer or solicitation for the purchase or sale of any financial instrument, product or service sponsored by AllianceBernstein or its affiliates. The [A/B] logo is a registered service mark of AllianceBernstein, and AllianceBernstein® is a registered service mark, used by permission of the owner, AllianceBernstein L.P. © 2020 AllianceBernstein L.P.

All Money Is Power

Changing the Trajectory is a podcast hosted by James Seth Thompson that seeks to inspire and empower meaningful generational planning and legacy building through intentional and deliberate action. Featuring roundtable discussions that highlight multicultural markets and communities as breeding grounds for success and change, we offer fresh perspectives on responsibility and investing. Learn to prioritize core values and act with intent to leverage influence and create lasting impact. We won’t dodge the hard stuff. Together, let's make the pivot from a standard operating procedure to that of intentionality and purpose.

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Changing the Trajectory

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