Community & Economic Development Programs to preserve, rehabilitate and construct affordable housing in low and moderate-income areas; Organizations that provide home-buyer counseling to families in the LMI communities; Programs that support small business development, commercial revitalization, and job creation; Programs tailored to assist LMI individuals in development of work and life skills, with a specific emphasis on work-entry programs, skills training, and employment retention.     Education Innovative programs that offer assistance to low-and moderate-income (LMI) youths to excel in school and prepare for higher education; Financial literacy programs for youth and adults in LMI communities; Effective mentoring programs for at-risk youths; Student scholarship programs focused on finance related studies.     Civic & Community Civic organizations that focus on development of neighborhoods and preservations of social issues; Organizations that seek to enhance communications and understanding of other communities with our communities.     Health & Welfare Homeless, crisis shelters and battered women shelters; Programs that provide services to children and families at risk; Soup kitchens.     Cultural & Arts Well-managed cultural activities in LMI communities; Promotion of arts through education.     How to apply for a grant Copyright 2008 Cathay Bank Foundation. All rights reserved.