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Welcome from Governor Haslam l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l 3

Summit Schedule l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l 3 - 8

Music City Center Map l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l 11

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Tennessee’s Best Nominees l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l 35- 36

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Summit Exhibitors List l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l l 38

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2014Governor’s

HousingSummit

#2014GHS

Summit SponsorsThank You, Sponsors

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Financing Businesses. Strengthening Communi�es.

Reception Sponsors

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Wednesday, September 38:00 a.m. - 9: 45 a.m. THDA LIHTC Software Demonstration 104 D-E

8:30 a.m. Coffee Break & Exhibit Hall Room 104 A-C Sponsored by:

9:00 a.m. - 12:00 p.m. Registration First Floor

9:15 a.m. - 10:00 a.m. Tennessee Affordable Housing Coalition Meetings East Tennessee 105 A-B Middle Tennessee 106 A-B West Tennessee 106 C

10:15 a.m. - 11:45 a.m. Summit Sessions

Rural Studio and the 20K House Project Room 106 A-BRural Studio, a design-build architecture studio run by Auburn University, teaches students about the social responsibilities associated with the profession of architecture and strives to provide safe, well-constructed and designed homes and buildings for poor communities in rural west Alabama. Smith will discuss Rural Studio’s 20K House project, which seeks to design and construct a model home for less than $20,000 that could be reproduced on a large scale and offer a viable alternative to modular or manufactured housing. Speakers: Rusty Smith- Assistant Executive Director of Rural Studio, Auburn University

Summit Schedule

It is my pleasure to welcome you to the 2014 Governor’s Housing Summit.

Over the next two days, you will hear from leading economists and housing industry professionals as they discuss pathways to further improvements in the housing market. You will have the opportunity to attend sessions examining topics such as fair housing and multi-family development, and you will learn how to tell the story about the important work that you do. Most importantly, you will interact with like-minded individuals who are also making a positive difference for our state’s citizens every day.

On behalf of the State of Tennessee, THDA, and the Tennessee Affordable Housing Coalition, I would like to thank you for making housing a priority through your attendance at this year’s event. Your efforts are a vital contribution to economic growth and recovery. Crissy and I send our very best wishes for a productive and informative conference.

Welcome from Governor Haslam

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Affordable and Green – It’s Possible! Room 105 A-BIncorporating sustainability and energy efficiency features has increased in popularity as more developers seek to lower long-term energy costs and maximize the life of buildings. A representative from Enterprise Green Communities will provide an in-depth overview of the program and several multi-family developers will share their experiences associated with obtaining certification.

Speakers: Ray Demers- Program Director, Enterprise Green Communities; Mark Straub- Senior Development Officer, Pennrose Properties; Cady Seabaugh- Vice President of Green Certifications, McCormack Baron SalazarModerator: Phil Chamberlain- Owner, Chamberlain & McCreery and THDA Board Vice Chairman

Got Data? Accessing and Utilizing U.S. Census Bureau Data Room 104 D-EThe US Census Bureau’s American Community Survey (ACS) is a valuable planning tool used by community planners, businesses, nonprofit organizations, and state and local governments. Data collected through the ACS is used to determine how more than $400 billion in federal and state funds are distributed each year. This workshop will provide information on how to navigate the ACS website, access data, and perform targeted searches. Attendees are encouraged to bring their own laptop or tablet device.

Speakers: Erran Persley- Tennessee Census Representative, U.S. Census Bureau

Making the CITC Work for You Room 106 CThe Community Investment Tax Credit (CITC) is an effective but underutilized tool to promote the construction of affordable housing for both rental and homeownership opportunities. Panelists representing non-profit organizations and financial institutions will provide a summary of benefits and share their experiences with taking advantage of this valuable program.

Speakers: Steve Murray- Executive Director, Community Housing Partnership of Williamson County; Carla Jarrell- Community Development Officer, Pinnacle Financial Partners; Steve Lockwood- Executive Director, Frayser Community Development CorporationModerator: Toni Shaw- Community Programs Manager, THDA

12:00 p.m. - 1:45 p.m. Opening Luncheon Davidson A-C

Sponsored by: Setting the Stage: Housing Issues and Trends THDA Chairman Brian Bills, THDA Executive Director Ralph M. Perrey and invited guests will present current housing issues and trends and invite audience discussion.

Guest Speakers: Bob Coleman- Managing Director, Raymond James; Damon V. Allen- Senior Vice President-Community Investment Officer, Federal Home Loan Bank of Cinncinnati

1:45 p.m. - 2:00 p.m. Coffee Break & Exhibit Hall Room 104 A-C Sponsored by:

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2:00 p.m. - 3:30 p.m. Summit Sessions

Emerging Housing Trends: Room 106 A-BConverting Single Family Homes to Long-Term RentalsFollowing the housing crisis, there is increased interest among large, institutional investors to purchase single family homes and convert to long-term rental opportunities. Panelists will discuss their involvement in this growing market segment and discuss how this trend will impact the local housing market and existing homeowners.Speakers: Sarah Edelman- Policy Analyst, Center for American Progress; Bruce McNeilage- CEO, Kinloch Partners; Steve Schmitz- Chairman and CEO,American Residential PropertiesModerator: Bettie Teasley Sulmers, THDA Research & Planning Director

Rental Assistance Demonstration: The New Face of Public Housing Room 105 A-BThe Rental Assistance Demonstration (RAD) is viewed as the primary solution for preserving the nation’s aging stock of public housing units. Panelists will provide an overview of the RAD program and share real-life experiences about how RAD deals are structured, financed, and implemented.Speakers: Mike Austin- Director of Asset Management and Housing Assistance, Macon Housing Authority; Daryl Dalton- Director of Housing Operations, Spartanburg Housing Authority; Judy Van Dyke- Attorney, Bennett Strategy Group; The Honorable Rick Lazio- Director, Jones Walker; Shauna Sorrells- Director of HUD Office of Public Housing Programs, HUD

New THDA Property Standards Room 104 D-EThe THDA Community Programs division administers a variety of programs targeting the housing needs of Tennessee’s low-income residents and special-needs populations, including HOME and the Housing Trust Fund. Attendees will learn about several changes to these programs recently approved by the THDA Board of Directors, in addition to HUD updates affecting HOME Program Property Standards.

Speakers: Coralee Holloway- Director of Community Programs, THDA; Carmon DiBiase- Senior Housing Program Coordinator, THDA

3:30 p.m. - 3:45 p.m. Coffee Break & Exhibit Hall Room 104 A-C Sponsored by:

3:45 p.m. - 5:15 p.m. Summit Sessions

Ask HUD Room 106 A-BThis panel will feature representatives from the US Department of Housing and Urban Development involved in a number of housing programs, including Section 8 Rental Assistance, Community Programs, and FHA mortgages.

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Future of the LIHTC Room 105 A-BThe future of the Low Income Housing Tax Credit program is in limbo due to the potential for comprehensive tax reform and its connection to the Rental Assistance Demonstration program. This session will focus on what changes to expect regarding the Tax Credit program and how affordable housing supporters can advocate for its preservation. Speakers: Robert Moss- Principal and National Director of Governmental Affairs, CohnReznick; Jeremy Densmore- Metro Atlanta Manager, Novogradac; J. Paul Compton, Jr.- Partner, Bradley Arant Boult CummingsModerator: Thom Amdur- Executive Director, National Housing & Rehabilitation Association

THDA Single Family Update Room 107 A-B(For New Start Program Partners Only)As the state’s housing finance agency, THDA’s primary purpose is providing affordable home loan options for eligible Tennesseans. During this session, THDA’s Single Family division will provide updates on its home loan programs, including a detailed overview of changes proposed for THDA’s New Start program. Speaker: Lindsay Hall- Senior Director of Single Family Programs, THDA

The Role of Housing in Rural Economic Development Room 106 CHomes are where jobs go at the end of the day. The recent economic development success in rural Tennessee put an emphasis on the availability of affordable housing. Panelists will discuss how an influx of new jobs in their communities has impacted the number of affordable housing units available for sale or rent, in addition to what programs and options are available to address this issue.Speakers: Matt Gravley- City Manager, City of Etowah; Donald Harris- Housing Program Director, USDA-Rural Development; The Honorable Barry Doss- TN State Representative

Moderator: Brooxie Carlton- TN Department of Economic and Community Development

5:15 p.m. - 6:45 p.m. Exhibit Hall Reception Room 104 A-EYou will want to take time to meet your counterparts from across Tennessee and the 2014 Governor’s Housing Summit exhibitors. The exhibitor’s list is on page 38. Sponsored by:

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Thursday, September 47:30 - 10:00 a.m. Breakfast Buffet Davidson A-B

Tennessee Affordable Housing Coalition Welcome Davidson A-BSponsored by: Economic Forecast with Elliot Eisenberg, Ph.D Davidson A-B

Learn how to keep the (economic) forest in your view and not lose sight of the (data) trees – with no sugar coating! Dr. Eisenberg’s entertaining and informative presentation on the economy will begin with a fun and fast-moving “top 10 list”. Attendees will hear how GDP growth will perform, what interest rates will do, whether household savings rates are likely to rise or fall, and how a whole host of other economic variables (including personal income, new automobile sales, new home building activity, existing home sales, foreclosures, defaults and home inventories) will impact the economy this year, and why.

10:00 a.m. - 10:15 a.m. Coffee Break Hallway (Outside 104)

10:15 a.m. - 11:45 a.m. Summit Sessions

Fair Housing in Tennessee Room 106 A-BThis session will provide an overview of fair housing issues, including recent changes to the eviction process and how some states are changing state law regarding the use of Testers. Speakers: Carol Gish- Managing Attorney, West TN Legal Services; Tracey McCartney- Executive Director, Tennessee Fair Housing CouncilModerator: Donna Duarte- Director of Civil Rights Compliance and Multifamily Advisor, THDA

Land Banks – A New Tool for Local Governments in Tennessee Room 105 A-BEarlier this year the Tennessee General Assembly expanded the number of local governments authorized to establish land banks. This session will provide an overview of land banks and how they can be used successfully to eliminate blight and promote community revitalization. Deb Cherry, Chairman of the Genesee County Land Bank, will provide insight on how lands banks were successfully utilized in Genesee County, Michigan, as well as how local governments in Tennessee are planning to take advantage of this new authority.Speaker: Deb Cherry- Treasurer, Genessee County Lank Bank (Flint, MI)

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2015 Qualified Allocation Plan for the LIHTC Room 104 D-EThe Low Income Housing Tax Credit provides an incentive for private-sector developers that commit to making a long-term investment in building or preserving affordable housing. This session will provide an overview of changes included in the 2015 Qualified Allocation Plan (QAP), including calculating the County Needs Score, offering scoring advantages to developments in Counties with preferential tax treatment, and others. Speaker: Mike Blade- Director and Assistant General Counsel for Multifamily Development, THDA

Impact of New Consumer Financial Protection Bureau Regulations Room 106 CEarlier this year, the Consumer Financial Protection Bureau (CFPB) implemented a number of regulations affecting the mortgage industry and credit availability for prospective homebuyers. This session will provide an overview of these new requirements, their impact on the housing market, and compliance issues for lenders offering mortgage credit.Speakers: Steve Smith- Executive Vice President of Retail Sales & Production, Mortgage Investors Group; Loretta Salzano- Founding Partner & Manager, Franzen & Salzano; Lara Smith, Regions Bank

12:00 - 1:45 p.m. Tennessee’s Best Luncheon Davidson A-B

Sponsored by: Awards Ceremony - Tennessee’s Best (p. 35-36), Star Rewards and Top Honors (p. 36)

Concluding Remarks Ralph M. Perrey, THDA Executive Director

2:30 p.m. Post Summit Members-only Meetings SAHMA TN State Committee Meeting Room 105 A-B NH&RA Tennessee Developers’ Council Room 106 A-B TN Affordable Housing Coalition Annual Meeting Room 104 D-E

4:00 p.m. Post Summit Members-only Meetings Housing Counselors & Educators of Tennessee Room 104 D-E

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Summit SpeakersMike AustinDirector of Asset Management and Housing AssistanceMacon (GA) Housing Authority

Mike Austin is Macon (GA) Housing Authority’s Director of Asset Management and Housing Assistance. His 20+ years of housing experience includes asset management for private third-party investors and tax credit syndicators, conventional public housing programs, private property management, Section 8 new construction property management, single-family home rehab and sales, Section 8 program management, and HAP contract administration. He is responsible for the development and implementation of the RAD program at MHA. Austin has a BS from Weber State University, an MPA from the University of Utah and an MBA from Mercer University. Austin holds the CPM® designation and is a CCIM® candidate. Austin has served as MHA’s Director of Housing Assistance since 1998 and Asset Management Director since 2008.

Brian Bills Sr. VP, Residential Mortgage LendingSunTrust Mortgage Inc.

In 2011, Governor Bill Haslam named Brian Bills as the Chairman of the THDA Board of Directors. Bills has been a member of the Board of Directors since 2009 representing the Savings and Loan industry. He has significant experience in residential and commercial lending. Bills, who lives in Knoxville, TN, is the Senior Vice President and Regional Mortgage Line of Business Manager for SunTrust Mortgage.

Michael Blade Director and Assistant Legal Counsel for Multifamily DevelopmentTennessee Housing Development Agency

Michael Blade has been with THDA since 2009 and is serving as Director and Assistant Legal Counsel for THDA’s Multifamily Division. Blade graduated with a Doctorate of Jurisprudence and Master of Business Administration from Vanderbilt University in 1996. Before beginning his tenure at THDA, Blade worked for several law firms from 1996 to 2009, including three of Nashville’s most respected law practices, as well as the Washington D.C.-based Wiley, Rein & Fielding. Blade earned his undergraduate degree from the University of Oregon, and is still known to support his Oregon Ducks.

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Deb CherryTreasurerGenesee County, Michigan

Deb Cherry was elected as the Genesee County, MI, Treasurer in 2010, at a time when unprecedented foreclosures were occurring. As Chair of the Genesee County Land Bank, she is a major partner in the redevelopment of Flint and Genesee County. Elected to the Michigan Senate in 2002 and 2006, she was a member of the Senate Appropriations and Finance committees. Prior to being elected to the Senate, Cherry served with distinction for six years in the Michigan House of Representatives, where she also served as the Assistant Majority Floor Leader. Cherry was the sponsor of the Michigan Promise Grant, which entitled every Michigan high school student to be eligible for a $4,000 higher education scholarship upon graduation.

J. Paul Compton, Jr.PartnerBradley Arant Boult Cummings LLP

Paul Compton has broad experience in innovative commercial financing transactions, particularly those involving tax credits (including federal and state LIHTC, historic, and new markets) and structured finance, and in the formation and sale of regulated financial institutions (banks, insurance companies and agencies, consumer finance companies, broker/dealers and community development entities). Compton has a strong understanding of operational and financial aspects of the banking and insurance businesses and extensive experience with their regulators. He has been involved in hundreds of transactions, including over 200 transactions involving low income housing tax credits (federal, Georgia and North Carolina) for equity investors, lenders, credit support providers and developers, including more than 40 involving private activity bond financed developments.

Daryl DaltonDirector of Housing OperationsSpartanburg Housing Authority

Daryl Dalton is the Director of Housing Operations for the Spartanburg Housing Authority (SHA). Over the past 30 years he has been significantly involved in grant applications that have resulted in the award of more than $45 million. For SHA he is responsible for the Housing Authority’s Public Housing and Housing Choice Voucher Section 8 Program and for SHA’s Rental Assistance Demonstration (RAD) efforts. He is also involved with SHA’s Choice Neighborhood’s initiative. He has held positions on a number of Boards and Commissions in the housing industry including the Public Housing Authorities Directors Association, the National Association of Housing and Community Development Officials and the Virginia Associations of Housing and Community Development Officials. Dalton holds a Master’s Degree in Business Administration.

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Ray DemersProgram DirectorEnterprise Green Communities

Ray Demers is leading the technical team updating the Enterprise Green Communities Criteria. Ray performs technical reviews for Green Communities Certification, assists with green training development and delivery, and supports Enterprise in integrating green practices and technologies into core business functions. He is a member of the Sustainable Native Communities Collaborative, an initiative of Enterprise’s Rural and Native American Initiative that advocates for culturally appropriate, sustainable building practices in Indian Country. Previously, Ray worked at Erdy McHenry Architecture in Philadelphia, PA, and as an assistant project manager at Harvey Construction Corporation in New Hampshire. He holds a Master of Architecture from the University of Pennsylvania.

Jeremy DensmoreManagerNovogradac & Company LLP

Jeremy Densmore is a manager in the metro Atlanta, Georgia office of Novogradac & Company LLP. He joined Novogradac & Company LLP in 2008. Densmore has extensive experience in developer consulting with an emphasis in real estate partnership audit, taxation and consulting, including those subject to the audit requirements of the U.S. Department of Housing and Urban Development. He is also experienced in final cost certification audits, various states’ tax credit application packages and nonprofit projects. He received his bachelor’s degree cum laude in business administration with an emphasis in accounting from North Georgia College & State University. He is licensed as a certified public accountant and certified general appraiser in Georgia.

Carmon DiBiaseSenior Housing Programs Coordinator of ConstructionTennessee Housing Development Agency

Carmon DiBiase received a Bachelor of Science in Business Management from Arizona State University while working full time. He continued his education in the construction industry with building codes and achieving certifications from International Code Council. He currently holds 11 ICC certifications and has been a member since 2007. DiBiase started his career as a construction specialist, which evolved into a superintendent role for The Arizona Bank and then Scottsdale Healthcare. He broadened his construction management experience into the residential arena with a local builder/ developer. Most recently he has had the responsibility of a Quality Control Manager working a variety of construction projects on multiple Army Bases managed by the U.S. Army Corp of Engineers.

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The Honorable Barry DossState RepresentativeTennessee General Assembly

The Honorable Barry Doss was born and raised in Lawrenceburg, TN. He graduated from the University of Tennessee-Knoxville with a Bachelor’s degree in Animal Science and Business. He served as a county commissioner from 1998-2002. He is the President/Owner of Doss Brothers, Inc. where he is also a general contractor. He has served in the Tennessee House of Representatives since 2012.

Sarah EdelmanEconomic Policy AnalystCenter for American Progress

Sarah Edelman is a Policy Analyst on the Housing Finance & Policy team at the Center for American Progress. Her work focuses on foreclosure prevention, single family rental, and promoting access to affordable housing. Edelman’s publications have been cited by The Financial Times, MSNBC, and Bloomberg News, among others, and have been used as a resource by numerous advocacy and community groups across the country. Prior to CAP, Edelman worked in the areas of community development, community organizing, and consumer protection at Public Citizen, Community Legal Services, the office of Senator Sherrod Brown, and the FDIC’s division of consumer protection. She holds a master’s degree from the University of Maryland’s School of Public Policy and a bachelor’s degree from George Washington University.

Elliot Eisenberg, Ph.D.Economist and Public Speaker GraphsandLaughs, LLC

Elliot Eisenberg, Ph.D. is a nationally acclaimed economist and public speaker specializing in making the minutiae of economics fun, relevant and educational. Dr. Eisenberg earned a B.A. in economics from McGill University, and a Master’s and Ph.D. in public administration from Syracuse University. Eisenberg, formerly a Senior Economist with the National Association of Home Builders, is a frequent speaker on topics including: economic forecasts, economic impact of industries such as homebuilding and tourism, consequences of government regulation, cost-benefit analysis, and strategic business development. He is the creator of the multifamily stock index, and serves on the Editorial Board of the Encyclopedia of Housing.

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Carol Gish Managing AttorneyWest Tennessee Legal Services

Carol Gish is the West Tennessee Legal Services Managing Attorney, Housing; Fair Housing Project Director, with oversight of the Fair Housing Project, in affiliation with Legal Aid of East Tennessee and Legal Aid Society of Middle Tennessee and the Cumberlands; and Project Director, HUD approved National Housing Counseling Intermediary and the NFMC Program through NeighborWorks®. She was WTLS/Tennessee Project Director for the FHIP-FHOI Grants with California Rural Legal Assistance, Mississippi Center for Legal Services, and Legal Aid of North Carolina. She represents individuals alleging violation of the Fair Housing Act, violation of the Truth in Lending Act, RESPA, and/or common law violations associated with residential mortgage lending, and noncompliance with legal requirements associated with the landlord/tenant relationship.

Matthew GravleyCity ManagerCity of Etowah

Matthew Gravley has brought the City of Etowah out of a large deficit into a surplus situation, growing the general fund each year of his tenure while simultaneously overhauling all city equipment; opening a new community center and new park; renovating the historic railroad depot; raising staff salaries each year; completing dozens of infrastructure improvements; recruiting several businesses; revitalizing the housing market; and updating all technology. Standard of living and quality of life issues are forefront in his planning, and Gravley sees housing as the avenue to achieve these goals. Gravley has a Master’s degree in Public Administration, 1997, University of Tennessee, Knoxville.

Lindsay Hall Senior Director of Single Family ProgramsTennessee Housing Development Agency

Lindsay Hall has been working in the real estate industry and lending arena since 1986. She has developed and managed retail origination teams for national lenders, owned and operated a mortgage company and combined her lending, appraising education, and real estate knowledge to specialize in REO listings and sales. She joined the THDA staff in 2010 as the Assistant Director of Single Family Programs and was promoted to Sr. Director of Single Family Programs in 2012. Hall has held licensure as a real estate salesperson, residential real estate appraiser and mortgage loan originator. Hall believes this combined experience helps her understand the challenges that THDA Partners encounter on a daily basis.

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Don HarrisHousing Program DirectorUSDA-Rural Development

As the Housing Program Director, Don Harris is responsible for the Single Family Housing loan and grant programs and the Multi-Family Housing rental and subsidy assistance programs. These housing programs are delivered through seven area offices across Tennessee. During 2009-10, he was assigned to the National Office in Washington D.C. as the Team Leader for the National Outreach Initiative Pilot Program that provided specialized outreach and loan packaging services for persistent poverty counties located across the nation. Harris previously served as the Deputy Executive Director for THDA and the State Director of Adult Probation for the Tennessee Department of Correction. He serves on various housing and community organizations both locally and nationally.

Coralee HollowayDirector of Community ProgramsTennessee Housing Development Agency

Coralee Holloway is the Director of the Community Programs Division for THDA. The Division is responsible for the administration of the State HOME program, the Emergency Solution Grant Program, the Community Investment Tax Credit Program, the Weatherization Assistance Program, the Low Income Home Energy Assistance Program, and the THDA Housing Trust Fund which includes the Rural Housing Repair program, the Housing Modification and Ramp program, the Emergency Repair Program for the Elderly, the HTF Competitive Grants, and the Rebuild and Recover Disaster Program. Prior to joining THDA in 1991, Holloway spent six years as the closing coordinator for a real estate attorney in Nashville and six years as the associate production manager for the Alaska Repertory Theatre in Anchorage, AK.

Carla JarrellCommunity Development OfficerPinnacle Financial Partners

Carla Jarrell is responsible for managing Pinnacle’s community development activities both in Middle Tennessee and in Knox County. Jarrell currently serves on the following boards: Woodbine Community Organization, the Tennessee Affordable Housing Coalition and Habitat for Humanity of Greater Nashville. She is a member of R-Connect of Rutherford County, the Affordable Housing and Community Growth Forum of Nashville, Nashville Next Housing Committee, BankOn Music City Nashville Advisory board and the Nashville Alliance for Financial Independence. She is the current President of Tennessee Jump$tart and is a past board chair of Progress, Inc., an agency that provides support services for adults with developmental disabilities, and served for several years on the Mayor’s Advisory Committee for Persons with Disabilities. Jarrell was recently named a finalist in the Community Supporter category of the Nashville Business Journal’s Women of Influence for 2014.

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The Honorable Rick LazioPartnerJones Walker

Rick Lazio is currently a Partner in the New Orleans-based law firm Jones Walker, with 17 offices throughout the United States. He heads the New York office and oversees their National Housing Finance Practice group, with focus on issues of affordable housing, housing finance, as well as financial services. Lazio is also a director of Houston, Texas-based alliantgroup. The national tax-consulting firm specializes in qualifying businesses for state and federal tax credits, incentives and deductions. While a member of Congress, he was Chairman of the House Financial Services Committee’s Subcommittee on Housing and Community Opportunity. He authored the Quality Housing and Work Responsibility Act of 1998, the most sweeping reform of America’s public housing in more than 60 years.

Steve LockwoodExecutive DirectorFrayser Community Development Corporation

Steve Lockwood, Frayser CDC’s Executive Director, joined the organization in 2002. Lockwood has worked in the Community Redevelopment field since 1995. Prior to joining the non-profit world, he spent 15 years as a real estate developer specializing in residential rehabs. The Frayser community is an old, first ring suburb suffering from disinvestment. Home sales in 2012 averaged $23,000. The community has had Tennessee’s highest foreclosure rate for the entire last decade. Since 2002, Frayser CDC has grown from one to seven staff members. The CDC purchases and renovates homes in the Frayser community for sale, lease/purchase and rent. The CDC conducts Homebuyer Education Classes as well as Foreclosure Counseling and Credit Restoration Counseling—all free.

Tracey McCartneyExecutive DirectorTennessee Fair Housing Council

Since joining the Tennessee Fair Housing Council, Tracey McCartney has overseen the day-to-day operations including setting the broad direction of the agency; supervising the enforcement staff on testing, case intake and litigation; and supervising the operation of the National Fair Housing Advocate web site, www.fairhousing.com. McCartney is an attorney, admitted to the bars of both Alabama and Tennessee. McCartney previously worked for the Central Alabama Fair Housing Center. While there she coordinated individual testing visits in the areas of rental, sales and mortgage lending and assisted with individual insurance tests. She also handled complaints of housing discrimination, provided counseling, and referred customers to HUD for investigation and to attorneys for litigation.

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CARING—ANTICIPATION—RESPONSIVENESS—GROWTH

Helping Clients Navigate in Uncharted Waters…

NATION’S LEADING FULL SERVICE FINANCIAL ADVISOR SERVING HOUSING AGENCIES

RAISING CAPITAL EFFICIENTLY FOR HOMEOWNERSHIP AND RENTAL IN TODAY’S MARKETS CASH FLOWS FOR RATINGS, YIELD COMPLIANCE, DEBT MANAGEMENT AND STRATEGIC PLANNING CAPITAL ADEQUACY, RISK ASSESSMENT, RESOURCE ALLOCATION, AND DECISION-MAKING FRAMEWORK ANALYSES DESIGNING INNOVATIVE AND EFFECTIVE HOUSING PROGRAMS THAT WORK FINANCING ECONOMIC DEVELOPMENT, INFRASTRUCTURE AND REDEVELOPMENT PROJECTS INNOVATIVE FINANCINGS FOR PUBLIC HOUSING AND PRESERVATION DEBT RESTRUCTURING STRATEGIES & WORKOUTS

NEW YORK 914 961-0003 Tim Rittenhouse trittenhouse@csgadvisors.com

ATLANTA 678 319-1900 David Jones djones@csgadvisors.com Patrick Johnson pjohnson@csgadvisors.com

SAN FRANCISCO 415 956-2454 Gene Slater gslater@csgadvisors.com John Hamilton jhamilton@csgadvisors.com Eric Olson eolson@csgadvisors.com Scott Smith ssmith@csgadvisors.com Nicole Graham ngraham@csgadvisors.com Kim Mondelli kmondelli@csgadvisors.com Jack Wiggins jwiggins@csgadvisors.com

www.csgadvisors.com

www.EnterpriseCommunity.com © 2

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For over 30 years, we have created opportunity for low- and moderate-income communities. And it all starts at home. Never before has our work been as urgent. Together with our partners, we will continue to create vibrant communities, filled with promise and the opportunity for a good life. Join us.

Enterprise is a proud sponsor of the 2014 Tennessee Governor’s Housing Summit.

For more information about Enterprise, please contact:Steve Smith, Vice President, Syndication-Originator410.772.2723 | ssmith@enterprisecommunity.com

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Bruce McNeilageCEOKinlock Partners LLC & Kinloch Homes LLC

Bruce W. McNeilage brings more than 25 years of financial and real estate investment experience to his role as Managing Member of Kinloch Partners LLC and Kinloch Homes LLC. In the past 12 years, he has invested in more than 250 properties and sold more than 50 properties throughout Georgia, Florida and Tennessee. McNeilage specializes in increasing occupancy rates and lowering operating costs by renovating and managing apartment complexes and large portfolio single family assets. His time-tested proprietary techniques help create immediate positive cash flow and long-term growth in value for his properties. McNeilage holds Bachelor Science degrees in Economics and Risk Management/Insurance and is also a Chartered Financial Consultant.

Robert MossPrincipal, National Director of Governmental AffairsCohnReznick

Bob Moss leads CohnReznick’s federal and state government relations efforts in affordable housing, helping to protect client interests in this industry through the legislative process. He is operating out of CohnReznick’s Boston and DC-metro offices. Moss has 28 years of affordable, multifamily housing experience that includes syndication, preservation and development, debt financing, tax credit applications, and property management. He recently provided testimony on the LIHTC before the full House Ways and Means Committee on Tax Credit Reform and Residential Real Estate hearings. Prior to joining the Firm, Moss was the Senior Vice President and Director of Origination, Affordable Housing, for Boston Capital.

Steve MurrayExecutive DirectorCommunity Housing Partnership of WIlliamson County

Stephen Murray is the Executive Director of Community Housing Partnership of Williamson County (CHP). He has been responsible for the development of over 500 single-family houses for homeownership and 600 rental units for low-income families across Tennessee and continues in the field. He also developed a rural psychiatric hospital, over 100 units of housing for individuals with mental illness or developmental disabilities, adult day care centers, battered women shelters, partnering with numerous not-for-profits. Murray is a recognized leader in housing issues in the country and has served on a variety of boards. He serves as a homebuyers’ counselor. A graduate of the University of Dayton, Murray is married to his beautiful wife, Debra, and is father to three sons and one daughter.

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Ralph M. PerreyExecutive DirectorTennessee Housing Development Agency

Ralph M. Perrey is the Executive Director of THDA. He served on THDA’s Board for nine years before his appointment, chairing its Tax Credit and the ad hoc Strategic Planning Committees. Perrey formerly worked for Fannie Mae, directing the Tennessee Community Business Center, coordinating the company’s Central Appalachia Initiative, and serving as national co-lead for the Public Entities Loan Team. His housing experience also included service on the boards of several non-profit organizations, notably the Federation of Appalachian Housing Enterprises. Prior to joining Fannie Mae, Perrey served Tennessee Governor Don Sundquist, in a variety of policy and communication roles and as a Congressional staffer in Washington DC. Perrey is serving on the board of the National Council of State Housing Agencies.

Erran PersleyData Dissemination Specialist Tennessee Census Representative

Erran Persley is a data dissemination specialist for the U.S. Department of Commerce/U.S. Census Bureau in Murfreesboro. He is responsible for assisting businesses, community-based organizations, and state and local governments in utilizing census data and data tools to make business and policy decisions, apply for federal grants, and promote community and economic development in the states of Kentucky and Tennessee. In 1994, Persley served under Secretary Ronald H. Brown as the international trade specialist in charge of the Japanese Official Development Assistance program at the U.S. Department of Commerce. Persley holds dual MBA’s from Georgetown University and the ESADE School of Business in Spain.

Loretta SalzanoPartnerFranzen & Salzano

Loretta Salzano is one of the firm’s founding partners and manages Franzén and Salzano’s state and federal compliance practice. She drafts and negotiates contracts on behalf of financial institutions, including, but not limited to loan purchase and sale agreements, warehouse line agreements and servicing agreements. Salzano also spends a great deal of her time advising mortgage lenders, brokers and other settlement service providers on how to increase their business while remaining within the confines of the Real Estate Settlement Procedures Act and other state and federal laws. Salzano serves as Legal Counsel to the Mortgage Bankers Association of Georgia, and as a Chair and Legal Counsel to Rainbow Village, a transitional housing shelter. Salzano is a frequent lecturer on mortgage lending issues.

rbccm.com/housingfinancegroup | rbccm.com/tceg

Source: Thomson Financial for the dates 01/01/2009 to 08/07/14. This advertisement is for informational purposes only. ® RBC Capital Markets is a registered trademark of Royal Bank of Canada. © Copyright 2014. Used under license. Member SIPC. All rights reserved.

Michael BaumrinBond Underwriting212.618.5644michael.baumrin@rbccm.com

Cory HoeppnerBond Underwriting612.313.1073cory.hoeppner@rbccm.com

Dave UrbanTax Credit Equity980.233.6437david.urban@rbccm.com

Commitment to Affordable HousingRBC Capital Markets’ Housing Group provides a complete range of financial solutions to meet the single family and multifamily needs of HFAs, investors and the affordable housing community. We are committed to the advancement of affordable housing in Tennessee, having raised over $68 million in tax credit equity and ranking as the #1 underwriter with over $521 million in lead managed debt financings since 2009.

SunTrust Bank, Member FDIC. ©2014 SunTrust Banks, Inc. SunTrust is a federally registered service mark of SunTrust Banks, Inc. How can we help you shine? is a service mark of SunTrust Banks, Inc.

To be whatever she wants to be. Ballerina. Veterinarian. Supermodel. Pilot. She has a bright future ahead of her. And I intend to help her make the most of it.

Thankfully, my bank understands this. They’ve walked me through a number of options that I can put into action today, so that my daughter has the tomorrow of her dreams.

Stop in, call 800.SUNTRUST or visit suntrust.com.

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Steve SchmitzChairman, CEO & Co-FounderAmerican Residential Properties

Stephen G. Schmitz is Chairman, Chief Executive Officer and Co-Founder of American Residential Properties, Inc. (NYSE: ARPI). American Residential Properties (“ARP”) and/or its affiliates were formed in 2008 to invest in the single- family housing sector throughout the United States. The firm’s mission is to provide rental housing for family residents while, at the same time, earn a high risk adjusted return for shareholders. In 2008 ARP was one of the first in the country to employ a single family buy-and-hold rental strategy on an institutional scale. The company is organized as a REIT and completed an IPO on May 9, 2013. American Residential Properties and its affiliates own and manage approximately 8,000 single family properties in Arizona, Nevada, California, Florida, Texas, Illinois, Georgia, North Carolina, South Carolina, Tennessee, Kentucky, and Indiana.

Cady SeabaughVice President, Green Certifications McCormack Baron Salazar

Cady Seabaugh, LEED AP, serves as internal sustainability consultant for projects developed by McCormack Baron Salazar, a leading national developer of economically-integrated urban communities. In this role, she evaluates, recommends and ensures implementation of strategies to conserve energy, water and natural resources. She has been directly responsible for the development and certification of multiple Enterprise Green Communities, two LEED-ND communities and several LEED-H homes. She also worked closely with McCormack Baron Salazar’s renewable energy affiliate, Sunwheel Energy Partners, to retrofit more than 500 kW of solar photovoltaic panels on existing housing sites in St. Louis, MO under HUD’s competitive ARRA 2009 Green Communities Program.

Steve SmithExecutive Vice President, Retail Sales & ProductionMortgage Investors Group

Steve Smith manages all aspects of retail sales and production for MIG. Since joining the firm in 2005, he has spearheaded the company’s expansion efforts into Memphis, Cookeville and Sevierville and targeted new markets for future growth. Drawing on his background in direct lending, secondary marketing, construction lending and retail production management, Smith has fostered new relationships with preferred Realtors® across Tennessee. He brings more than three decades of industry experience to the table, having served as a member of Fannie Mae’s National Advisory Council and president of the Tennessee Mortgage Bankers Association. He is a master certified mortgage banker and an advisory member for the Tennessee Housing Development Agency’s (THDA) first-time homebuyer program.

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Nashville: 615-251-0025Memphis: 901-272-1122

Chattanooga: 423-756-6201Knoxville: 865-637-1679

Johnson City: 423-232-5097

Everyone needs a place to call HOME. We can help … The TN Alliance helps Tennessee families learn what it takes to be a successful homeowner through a variety of tools –

• homebuyer education classes• foreclosure counseling• lending products that will fit your needs• homes for sale in a neighborhood you will love

We strengthen Tennessee neighborhoods, one family at a time.

Make the investment that lasts a life time.Call the Tennessee Alliance today.

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Lara SmithMortgage Product and Credit Administration ManagerRegions Bank

Lara Smith has been with Regions and in the Mortgage Lending industry for 13 years. She serves as Mortgage Product and Credit Administration Manager. Smith is responsible for implementation and maintenance of Mortgage products and policy, as well as managing agency, investor, and mortgage insurance relationships. She serves on several regulatory implementation committees within Regions. Smith has a B.S. in International Business from Auburn University. She is a member of Alabama Mortgage Bankers Association.

Rusty SmithAssociate DirectorRural Studio

Rusty Smith is the Associate Chair of the Auburn University Program of Architecture and Associate Director of the Rural Studio. He is a nationally recognized teacher and scholar. Smith’s honors related to teaching excellence include the receipt of the American Institute of Architects National Teaching Honor Award, along with the American Institute of Architecture Students National Teaching Honor Award. He was educated at both Auburn University and The School of the Art Institute of Chicago. Smith is an artist whose work has been exhibited internationally and collected by private benefactors as well as public museums and galleries. He makes robots, none of which ever work.

Shauna SorrellsDirector of HUD Office of Public Housing ProgramsU.S. Department of Housing and Urban Development

Shauna Sorrells serves as the Director of the Office of Public Housing Programs at the Department of Housing and Urban Development (HUD). The Office is responsible for overall coordination across Public Housing; the Public Housing Operating Subsidy which provides nearly $5 billion in Federal resources for ongoing operations; Rental Assistance Demonstration (RAD) outreach, as well as general occupancy, admissions and management policy. In addition, she heads policy direction for Energy Performance Contracting within Public Housing which has leveraged more than $2 billion dollars to support energy efficiency and sustainability investments within the portfolio. Sorrells has been with the Department for over 10 years most recently as the Deputy Director for the Disaster Housing Assistance Program (DHAP).

Community Investment Corporation of the CarolinasP.O. Box 19999, Raleigh, NC 27619

Toll free: (800) 662-7044www.ncbankers.org/CICCAR

@CICCarolinas

Community Investment Corporation of the Carolinas is a lending consortium of more

than 100 financial institutions, working together to provide permanent financing that supports the development of high-quality affordable multifamily housing in six southeastern states.Since 1990, CICCAR members have funded more than $250 million in loans, creating 16,000 units in over 300 properties. In return, they

receive the benefits of loan growth, CRA credit and the satisfaction of creating “home” for nearly 50,000 people.Call today to learn more about our leading program.

It’s Not Just a Building ... It’s Home.

Quality Development. Proven Management. Great Lifestyles.

3914 St. Elmo Avenue, Suite A | Chattanooga, TN 37409423.634.8955 | Pennrose.com

Oaks at Camden Glenbrook at Oxmoor Valley The Villages at Alton Park

Wells Fargo is proud to sponsor the 2014 Tennessee Governor’s Housing SummitAt Wells Fargo, we focus on building long-term relationships with our customers. As our customer, you have a local team that works alongside your team to help you keep your business on track. This local support, combined with our comprehensive suite of products and services and Wells Fargo’s time-tested strength and stability, means we can support your business now, and for many years to come.

To learn more, visit wellsfargo.com/government.

© 2014 Wells Fargo Bank, N.A. All rights reserved. Member FDIC. WCS-1207351

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Mark StraubSenior Development OfficerPennrose Properties, LLC

Mark Straub has over 20 years’ experience in the affordable housing industry experience. He joined Pennrose Properties in 2005 as the Senior Development Officer responsible for managing all of the firm’s efforts in its Southeast Region. Straub participates in all aspects of the redevelopment of large scale community redevelopment efforts including Choice Neighborhoods, HOPE VI, and large scale tax credit developments. He is also well versed in rehabilitation, market-rate, affordable rental and for-sale housing. With a wealth of prior experience in the field of real-estate development, Straub is particularly skilled in urban revitalization, energy performance contracting, sustainable and green project development, and project management. He currently manages a combined $150 million in construction and development production.

Judy Van DykePartnerThe Bennett Group

Judy Van Dyke is an attorney specializing in affordable housing, community development and related issues for 17 years. Van Dyke joined Fred Bennett in 2004 and in 2007, they formed The Bennett Group LLC, focusing on affordable housing development. As a partner, her duties include all real estate matters; construction and permanent loan closings; organizational, operating and partnership agreements; Low Income Housing Tax Credits, HOME funds, credit enhanced bonds, CDBG Funds and FHLB AHP Grants. She assists with site selection and negotiation, development budgets, community relations, deal structuring and due diligence with equity investors. In addition, Van Dyke is the sole member of Van Dyke & Company LLC which has served as developer and/or consultant in nine affordable housing developments and serves as the co-general partner in all of those developments. Van Dyke has become The Bennett Group’s in-house expert on HUD’s new Rental Assistance Demonstration (RAD) Program.

Tennessee Developers Councilis proud to support the2014 Governor’s Housing Summit

We invite you to join the Tennessee Developers Council!

The Tennessee Developers Council (TDC) provides a forum for Tennessee’s affordable, multifamily, rental housing development community to share ideas, network, and discuss policy issues related to tax credit and affordable housing development. TDC acts as an intermediary between our members and the Tennessee Housing Development Agency (THDA) and the Tennessee General Assembly, advocating for positive change for the affordable housing development community.

Have you ever applied for a 9% or 4% Low-Income Housing Tax Credit allocation in the state of Tennessee?

Are you looking for new affordable multifamily housing business opportunities?

Are you interested in becoming involved with shaping the Tennessee allocation process?

TDC ThanksOur Sponsors:

Gold Sponsors Silver Sponsors

CONTACT INFORMATION

Thom Amdur, Executive Director

Caitlin Jones, Director of Advocacy and Programs

Visit the TDC website or contact TDC staff tolearn more about becoming a member:

www.tennesseedeveloperscouncil.com

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Tennessee’s Best NomineesSummaries of all of the Tennessee’s Best nominations will be available at the Tennessee’s Best Luncheon on September 4. They are also available online at: www.thda.org/DocumentCenter/Home/View/2817.

Excellence in Partnership • Habitat for Humanity of Greater Nashville• Greater Nashville Association of REALTORS® and NashvilleNext• Clinch-Powell Resource Conservation and Development Council, Inc.• Alcoa, Inc. and Blount County Habitat for Humanity • Affordable Housing Resources

Excellence in Partnership Rising Star• Pathway Lending• Knox County Sheriff’s Office and Knoxville Habitat for Humanity

Outstanding Advocate • Sherrie Whisnant / Kingsport Housing• Ella Smith / Morgan Scott Project• Kelly Spears / Foothills Community Development Corporation• Renee Rickman / Wesley Housing• Gina Hopper / Wesley Housing• Keith Lampkin / Clarksville Housing & Community Development• Robert Hyde / ALCO Management• Steve Baldwin, City of Johnson City

Remarkable Achievement - Rural • The Woda Group: Barton Greene and Pennington Crossing• Of One Accord• Loudon County Habitat for Humanity• Clinch-Powell Resource Conservation and Development Council, Inc.

(Continued on page 36)

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Remarkable Achievement - Urban • Metropolitan Development and Housing Agency / Ryman Lofts• Frayser Community Development Corporation• Franklin Housing Authority

The Best in Innovation• Wesley Housing Corporation of Memphis, Inc.• United Housing, Inc.• Clinch-Powell Resource Conservation and Development Council, Inc.• Blount County Habitat for Humanity• Binghampton Development Corporation

Star Rewards and Top Honors THDA Star Rewards - Processor of the Year 2014Frederica Maxwell- People’s Home Equity

THDA Originator of the Year 2014Michael Hampton - People’s Home Equity

THDA Listing Agent of the Year 2014Sharlene Williams, H&D Homes

THDA Buyers Agent of the Year 2014Kimberley Fram, Reliant Realty

THDA Builder of the Year 2014Ole South

Congratulations to all the Tennessee’s Best Nominees

You Make Tennessee Better

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Summit ExhibitorsWe invite you to interact with our 2014 Governor’s Housing Summit Exhibitors on September 3 in Room 104 A-C. The all day exhibitors will be joined by additional exhibitors at the Exhibit Hall & Reception on September 3 from 5:15 - 6:45 p.m. in Room 104 A-E.

* denotes Reception Only Exhibitors

• Aegon USA

• Bank of America

• Barge, Cauthen & Associates, Inc.*

• Bath Fitter *

• BB&T

• Bowen National Research

• Bug Busters

• Citizens For Radioactive Radon Reduction

• Creative Wetcast Products

• Del Mar Lighting

• E3 Innovate*

• Empire Construction

• Federal Home Loan Bank of Cincinnati

• First Sterling

• Frontier Basement Systems

• Fyffe Construction

• Habitat for Humanity of Greater Nashville*

• Metropolitan Development and Housing Agency*

• National Cinemedia

• National Equity Fund, Inc.

• Pathway Lending

• Pioneering Technology

• Professional Warranty Service Corporation

• Sears Hometown Store Franchise

• SocialServe

• SunTrust*

• SWAT Franchise Development

• The Gill Group

• Tennessee Department of Health

• Tennessee Human Rights Commission

• Toxic Substances Program*

• US Bank

Metropolitan Development and Housing Agency

Connecting People to Better Lives Through Great Housing Choices, Strong Successful Neighborhoods and a Growing, Vibrant City

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