APPLICATION FOR FUNDS FOR PROJECT TO HELP WASHINGTON HOMEOWNERS AVOID PREVENTABLE FORECLOSURES OR TO AMELIORATE

THE EFFECTS OF THE FORECLOSURE CRISIS

Please submit au application including all of the following information. Incomplete applications will not be considered.

I. APPLICANT INFORMATION

Organization Name: Neighborhood Stabilization Corporation (nNscn)

Mailing Address: 3607 Washington Street

City, State, Zip: Jamaica Plain, MA 02130

County: Suffolk

If Tribal, Designate Tribe:

Primary Contact Person: Bruce Marks, Chief Executive Officer

Primary Contact Phone No.: 617-835-4477

Primary Contact Email: bmarks@naca.com

Secondary Contact Person: Detria Austin Russell, Chief Operating Officer

Secondary Contact Phone No.: 870-550-6663

Secondary Contact Email: daustinrussell@naca.com

II. ORGANIZATION TYPE

(check applicable)

IX! 501(c)3 nonprofit

o Tribal

o Governmental agency

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In. IDENTIFYING INFORMATION

Tax Identification Number (TIN): 043-244616

Uniform Business Identifier (UBI): 602-806-614

A. Does your Qrganization currently receive any funding from the AGO? If yes, please identify the date of your last report. [glNo; DYes.

B. Does your organization receive any funding from any other governmental agency for housing related projects or foreclosure related assistance? If yes, list the contracts by title, contract number and funding amount for the past 3 years. DNo; ~Yes.

US Department of the Treasury grants, applied for by NSC's parent corporation, Neighborhood Assistance Corporation of America NFMC - 2011, grant number PL 112-1 095X1350: $ 451,295 NFMC - 2010, grant number PL 111-117:95X1350: $3,500,000 NFMC - 2009, grant number PL 110-161 :95X1350: $15,000,000 NFMC - 2009, grant number PL 110-289:95X1350: $22,996,500

US Departnient of Housing and Urban Development Housing Counseling grants, applied for by NSC's parent corporation, Neighborhood Assistance Corporation of America 2011, HC11-0017020: $264,299 2011, HC11:..0011 015: $726,782 2010, HC09-0011017: $1,246,732 2009, HC08-0000016: $1,119,353

US Department of Labor Employment and Training Administration grant, applied for by NSC's parent corporation, Neighborhood Assistance Corporation of America ,~ ,~ -",~ ,~

;

C. Is your organization solely owned/operated by a current state employee? If so, please complete the Ethics Certification process at www.ethics.wa.gov. [giNo; DYes.

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IV. PROJECT PROPOSAL

A. Project Title HomeSave

B. Requested Amount: $ 1 9 20 00 1, 8 ,9 .

C. Project summary: In 150 words or less, concisely describe your project and how it meets the criteria set forth in the settlement. This summary will help the Committee review proposals. Attachments and exhibits are not allowed in this section. Over-length summaries will disqualify application.

The Neighborhood Stabilization Corporation ("NSC") is a subsidiary of the Neighborhood Assistance Corporation of America ("NACA") and will be providing the services in the future that NACA has been providing. For purposes of this application, the information provided here.in as NSC is the performance and activities previously provided by NACA.

NSC is the preeminent non-profit housing counseling organization. NSC provides neighborhood stabilization initiatives geared towards low- to moderate-income people and communities. With collaborative efforts between NSC and the private sector, government, and civil society institutions, NSC has unmatched counseling and results, and is well suited to maximize the objectives set forth herein to homeowners in Washington who are at risk of foreclosure.

NSC provides counseling services pursuant to the NFMC and other programs administered by HUD. NSC's experience will be an asset, enabling NSC to perform as a capable and effective partner by administering foreclosure prevention services in Washington.

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D. Describe how your project meets the criteria set forth in sections I and III above, including estimated start and completion dates. Supporting information and exhibits may be included here. Please try to make your submission as concise as possible.

HomeSave The project proposed will meet two critical needs for Washington. The first being HomeSave which focuses on addressing the foreclosure crisis by utilizing national industry standards in providing long-term solutions for tens of thousands of homeowners with an unaffordable mortgage. NACA has the foreclosure prevention counselors in place to handle a large volume of homeowners in need. The partnerships in place provides struggling homeowners with direct access to lenders and investors through to work out loan modifications. This is done through the Save the Dream events which bring homeowners and lenders face to face to negotiate a loan modification. This is done through counseling and submission of a loan modification packet electronically and on site negotiation with the servicer and investor underwriters. Homeowners can get on spot solutions during these unprecedented events.

Anortion of the DJoiect wilLmovide Dublic education on the OCC IndeDendent Foreclosure

E. Describe the demographics of the consumers you serve. Please provide supporting data or statistics.

For the most recent reporting period, which covers the counseling period from October 1, 2010 to June 30, 2011, 59% of housing counseling services were administered to Black and Hispanic clients. During this counseling period, housing counseling services were provided to a total of 233,202 families, 27% of which, 63,535 total clients, were Hispanic, and 32% of which, 75,030 total clients, were Black.

As a grant recipient in the State of Washington, as can be seen by reviewing the diversity found within the pool clients counseled by NSC to date, NSC will continue to administer highly-effective foreclosure prevention counseling services to Washington homeowners from a broad range of diverse cultural, ethnic, racial, and financial backgrounds.

F. Describe the geographic scope of your project.

As a recipient of a grant from the Washington Consumer Foreclosure Remedies Fund Committee, NSC will expand its national services to service the state of Washington. This will include opening at least one branch office, have remote counselors available to provide services state-wide and have two of NACA's unprecedented American Dream Events.

This provides unprecedented access to the residents in Washington state. Homeowners would have access to counselors either face to face or by phone. In either instance they would be provided with comprehensive counseling. In addition, Washington residents would be under the agreements NSC has with all the major lenders and investors. These provide solutions where homeowners save hundreds and sometimes over a thousand dollars a month in their mortgage payment with interest rates permanently reduced to a low at 2% and sometimes the outstanding principal reduced by tens of thousands of dollars to achieve a Dermanent affordable Davment.

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G. Identify the total number of consumers you expect to serve during the life of this grant.

We expect to serve over 5,000 consumers during the life of this grant. This is a conservative estimate. We are the largest and most effective organization in the country in providing solutions to homeowners at risk of foreclosure. To date we have done 79 American Dream Events over the past four years. These events attract tens of thousands of homeowners. With the Servicers and investors on-site and providing same-day solutions, the word gets out and more and more people come over the five days. The agreements with the largest Servicers and investors provide unprecedented solutions encouraging many more homeowners to participate in the program.

H. Ifthis is not a new project, describe what changes are being made to an existing project.

As a recipient of a grant from the Washington Consumer Foreclosure Remedies Fund Committee, this project will be an expansion of current services. NSC has administered such services to Washington since 2008. As such, NSC intends to continue its success of administering effective housing counseling and foreclosure prevention services to Washington homeowners as well as expand the purchase opportunities with newly developed and improved partnerships with lenders.

I. Describe how net benefit or positive outcomes can be measured at the end of the project.

We are a results focused organization. We have created a state-of-the-art paperless Client Management System ("CMS") called NACA-Lynx that is used to ensure that counseling activities are closely supervised and that counseling results are measured in a timely manner. This ensures that counselors are providing clients with all of the necessary information at each counseling session and that we are able monitor and ensure affordable outcomes for the homeowners.

NACA-Lynx has hard-coded safeguards in place to ensure the effective delivery of foreclosure assistance including the review of individual client files by NSC management; and corroboration with data produced as a part of NSC's operational practices.

NACA-Lynx tracks client progress while enabling quick and accurate record validation, enabling management to perform high levels of quality control and file review on each file. Technoloav and suoervisor oversiaht are instrumental in monitorina nerformance and

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J. Have you applied for an equivalent grant in the past, and if so, to which entity and when?

NSC is a subsidiary of the Neighborhood Stabilization Corporation of America ("NACA"). NACA has applied for equivalent grant funding in the past. The organizations to which NACA has previously applied for grant funding are provided below for review:

1. US Department of the Treasury, 2009, 2010, 2011 2. US Department of Housing and Urban Development, 2009, 2010, 2011 3. US Department of Labor Employment and Training Administration, 2009

K. If you intend to collaborate with other organizations, please provide a letter of support from that organization.

L. Please provide an organizational chart for your organization.

Bruce Marks, Board Member-President-Chief Executive Officer, Glynn Lloyd, Treasurer anc

M. Please provide three references familiar with organization's activities and their contact information.

Congresswoman Corinne Brown Washington Office 2336 Rayburn HOB Washington, DC 20515 (202) 225-0123 Fax: (202) 225-2256

Congressman Barney Frank Washington D.C. 202-225-5931

Bishop Charles H. Ellis Greater Grace Temple 23500 W. Seven Mile Road Detroit Michigan, 48219 313-543-6000

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v. PROJECT BUDGET

As noted previously, this grant must be used to provide additional services and not merely replace existing services or supplant existing funding. No current salaries or benefits may be funded using grants provided by the AGO unless expressly and explicitly granted, in advance and in writing, by the Committee. The Committee reserves the right to request a more detailed budget prior to selection.

A. Total Project amount:

Salaries: $326,920.00

Goods and Services (identify): $1,000,000.00

Administrative Overhead: $7,500.00

Advertising or Outreach: $850,000.00

Travel: $5,500.00

Total: $2,189,920.00

B. What percent of your total project budget does this funding request represent?

The grant NSC is requesting from the Washington Consumer Foreclosure Remedies Fund Committee, in the amount of $2,189,920, represents 50% of the total project budget.

C. If the project will be funded in part from other sources, identify those sources and the funding amounts.

NACA will provide the additional funds from its own resources. A portion may come to grants obtained through NFMC and HUD as listed above. Also, funds would come from Servicers and investors where we provide services and affordable solutions. For some of the Servicers we are paid approximately five hundred dollars when a homeowner obtains an affordable solution and makes their mortgage payments on time for three months.

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VI. PROJECT ADMINISTRATION

A. Identify within your organization who will be directly responsible for the following project components: (a) administration, (b) fiscal, (c) service delivery. Attach a current resume for the agency director, and the lead project staff person, and a current agency organizational chart.

Detria Austin Russell, NSC's National Operations Director, will be responsible for administering and managing the delivery for foreclosure prevention and housing counseling services to Washington homeowners.

Stella Marques-Murray, NSC's Accounting Director, is responsible for the oversight of fiscal matters relating to foreclosure prevention and housing counseling services provided to homeowners in the State of Washington.

B. Describe what steps your organization will take to ensure that the project will serve its intended purposes and be completed on time.

NSC will hire and train a Washington staff consisting of 6 Counselors and 3 Office Managers, and 3 Office Administrators who will administer and supervise housing counseling services provided to Washington homeowners who at risk of losing their homes to foreclosure. In studying the May 2012 State of Washington foreclosure totals, NSC will direct the majority of its foreclosure prevention counseling resources to homeowners residing in three Washington Counties ... King County, Pierce County, and Shohomish County.

In May 2012,650 homes entered foreclosure in King County, Washington. In May, one home in every 1,310 King County homes entered foreclosure ..

In May 201,592 Pierce County homes entered foreclosure, a rate of one home for every 550 homes (nearly twice the foreclosure rate of King County).

C. Describe how you plan to measure and evaluate the success of your project and include samples of evaluation tools if available.

NACA-Lynx has systems and controls in place which enable NSC's counselors to confirm that counseled clients' restructured home loans are affordable, while also corroborating, through reviewed client documentation accessible to counselors in NACA-Lynx, the accuracy of client financials. Additionally, client files are reviewed by NSC supervisors and by NSC's QC Department in order to ensure that counselors are sufficiently working with clients to develop long-term mortgage sustainability.

NACA-Lynx provides real-time data, which proves to be instrumental in monitoring client progress. File disposition and file status are monitored in NACA-Lynx. NACA-Lynx also determines what pending actions, if any, will be necessary to take for each file. Counselors are required to update NACA-Lynx files no less than every 30 days. NACA-Lynx is utilized by NSC for all counseling activities, with outcomes measured in real time. Constant updating and reporting enables project directors and managers to respond to file shortcominas at both the individual level and the branch level and if necessarv. to

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VII. CERTIFICATION

I certify that I have the authority to submit this proposal, and that the information in this proposal is true and accurate. If my organization is faith-based, I understand that federal and state law prohibit the use of public funds for religious worship, exercise, instruction or support of any religious establishment. http://www.acfhhs.govlprogramslccbllawlstateJaith_based.htm http://www.leg. wa.govlLaw sAndAgency Ruleslconstitution. htm

I understand that my organization will not receive reimbursement for any costs incurred in preparing this proposal. If awarded funding, I understand that our proposal will be incorporated into the final contract.

Printed Name and Title: Signature (by entering name here, form is electronically signed):

Date: 6/29112

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Bruce Marks, Chief Executive Officer

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Applications should be addressed to:

Rich Zwicker CPGrants@atg.wa.gov 206-389-3831 Consumer Protection Division Washington State Attorney General's Office 800 Fifth Avenue, Suite 2000 Seattle, Washington 98104-3188

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Neighborhood Assistance Corporation of America Organizational Chart

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DETRIA AUSTIN, eRE

EMPLOYMENT

MeG Health, Inc .. Augusta, GA

12525 Carriage Creek Augusta GA 30909 Phone (870) 550-6663 DETRIAAUSTIN@HOTMAIL COM

MCG Health, Inc. is a non-profit (50Ic3) organization, which serves as the operating company for the University System of Georgia's Health Science University: Medical College of Georgia Health System. The System facilities include a 478-bed adult hospital, an Ambulatory Care Center with more than 80 outpatient clinics, a Specialized Care Center housing a 13-county Level I regional trauma center and a 154-bed Children's Medical Center. The Health System also includes a variety of dedicated centers and units and more than 90 satellite clinics providing services for approximately 400,000 visits annually and an operating budget of $354 Million. Also, MCG Health, Inc has a contractual arrangement with a 350+ physicians group for business development and medical direction.

2004-2006 Assistant Vice President for Administrative Services

The Assistant Vice President served as a member of Senior Management Team and as Chief of Staff for the President. This position had line and functional responsibilities for the following: Greeter Services, Food and Nutrition Services, Catering and Culturally and linguistically Appropriate Service (CLAS), hospital vending services, management of McDonald's)ffanchise contract and managed logistics for the MCG Health, Inc. Board of Directors and MCG Health, Inc. Insurance Captive Board (Cayman Island).

Accomplishments

Developed and implemented a Greeter Services program in support of Patient-Family Centered Care for the health system which included five distinct geographical locations, providing directions and patient information and other concierge services.

Developed and implemented a successful operational and fmancial plan which reversed the traditional trend of an operating loss for retail dining, improved customer satisfaction, expanded catering activity and decreased the employee turnover rate.

Developed and implemented a CLAS program during calendar year 2005 which ensured the health system's compliance with the Federal Standards and Recommendations.

Assumed a leadership role in working with Medical Staff Leaders in development of clinical pathways to support the clinical information system (CERNER Clinical System).

Served as a member of the workforce management team consisting of the President and Senior Vice Presidents which provided oversight and direction on the staffing requirements for the health system which resulted weekly approvals and disapprovals for new hires and replacement.

Assisted in the development of Insurance Captive to reduce operating expenses and improve risk management.

Spearheaded a taskforce to review and increase availability of clinical equipment and repairs to increase

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2002-2004 Special Assistant to the President

Detria Austin, CHE Page 2

The Special Assistant to the President and CEO position was created to provide promotion from Administrative Fellowship. This position served as executive project manager for organizational initiatives. This position provided leadership for governance activities and education with line responsibility for Patient Transport Services and Greeter Services.

Accomplishments

Planned, developed, and managed internal patient transport services for the adult hospital and ambulatory care clinics.

Led the installation and deployment of a computerized patient tracking system.

Planned, implemented and managed the Greeter and Concierge Services Department for entrance management of the adult and children's hospitals as well as the ambulatory clinic to increase customer satisfaction.

Developed the functional space plan and recommendation for a general clinical research center to acquire NllI funding. Supported strategic planning for national benchmarks and survey completion.

Improved the monitoring and disbursement of a $lM+ Mason Trust kidney transplant grant.

Improved management and tracking of Administrative budget for the executive office.

Served in a support role with the interfacing of IDX Patient Management system with the Healthquest Patient Billing System.

2000-2002 Administrative Fellow, MeG Health, Inc.

The Administrative Fellowship is a post graduate position reporting to the Executive Vice President/Chief Operating Officer. It served as a member of the hospital operations leadership team.

Accomplishments

Trained over 2500 employees on customer service skills.

Assisted in the development of the improved disaster preparedness plan.

Assisted in the RFP process and selection of patient meal and retail dining contract.

Analyzed the Radiation Therapy Center business model for recommendation to the Senior Leadership team.

Managed staff reallocation for hospital operations to match national benchmark targets according to MECON.

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Jefferson Regional Medical Center, Pine Bluff, AR

1997-2000 Marketing Internal Communications Specialist

Detria Austin, eRE Page 3

JRMC is licensed for 471 beds. It is a not-for-profit, private regional hospital, operating a diagnostic center, skilled nursing facility and a wellness center. JRMC serves over 280,000 residents of 11 counties.

Accomplishments

Developed a comprehensive communication strategy to improve employee awareness during the hospital's 1998 successful reaccredidation by the Joint Commission on Accreditation of Health care Organizations.

Trained over 1900 employees in customer service skills.

Directed and increased funding for the employee recognition and celebration committee and service awards activities.

Assisted with the redeSign, editing and publishing of weekly employee newsletter and bimonthly community magazine.

EDUCATION & CERTIFICATION

1995-1997 Masters of Health Service Administration University of Arkansas at Little Rock, AR

1991-1995 Bachelor of Science, Biology,

2006 . 2005-2006

2005

2003

2001

Spelman College, Atlanta, GA

Broadway School of Real Estate Cultural Competence Leadership Fellowship - Inaugural Class AHA & Health Research and Educational Trust, Chicago, IL Fellow of the Advisory Board Company - Inaugural Class The Advisory Board Company, Washington, DC Board Certified Healthcare Executive, Diplomate (CHE) . American College of Healthcare Executives, Chicago, IL Certified Customer Service Trainer Studer Group, Pensacola, FL

PROFESSIONAL & COMMUNITY AFFILIATION

American College of Healthcare Executive, Diplomate Leadership Augusta, GA Alumni - 2003 CSRA ARE Association National Alumnae Association of Spelman College, Chapter President Alpha Kappa Alpha Sorority, Inc. Jr. League of Augusta Leadership Pine Bluff, AR Alumni - 1998

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