<table cellspacing="0" cellpadding="0" border="0" ><tr><td valign="top" style="font: inherit;"><P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT face="Times New Roman"><B style="mso-bidi-font-weight: normal"><SPAN style="FONT-SIZE: 14pt">Dear FoCHAT Members,</SPAN></B></FONT></DIV>
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<P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT face="Times New Roman"><B style="mso-bidi-font-weight: normal"><SPAN style="FONT-SIZE: 14pt">1.</SPAN></B><FONT size=3> </FONT></FONT><B><SPAN style="FONT-SIZE: 14pt; COLOR: red; FONT-FAMILY: Arial">An Inaccurate Explanation for HUD Rejecting LRA Action Plan Amendment #28</SPAN></B><SPAN style="FONT-SIZE: 14pt; COLOR: red"><FONT face="Times New Roman"> </FONT></SPAN><B><SPAN style="FONT-SIZE: 14pt; COLOR: red; FONT-FAMILY: Arial">Based on Act 827<?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p></o:p></SPAN></B></DIV>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt; LINE-HEIGHT: 115%"><SPAN style="COLOR: black"><FONT size=3><FONT face="Times New Roman"> <SPAN style="mso-spacerun: yes"> </SPAN><o:p></o:p></FONT></FONT></SPAN></DIV>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt; LINE-HEIGHT: 115%"><B><SPAN style="FONT-SIZE: 11pt; COLOR: #333333; LINE-HEIGHT: 115%; FONT-FAMILY: Verdana; mso-fareast-font-family: 'Times New Roman'">In a Jan. 13 letter to Gov. Jindal signed from HUD, the LRA Action Plan Amendment 28 was rejected</SPAN></B><SPAN style="COLOR: black"><o:p></o:p></SPAN></DIV>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt; LINE-HEIGHT: 14.4pt"><B><SPAN style="FONT-SIZE: 11pt; COLOR: #333333; FONT-FAMILY: Verdana; mso-fareast-font-family: 'Times New Roman'"><o:p> </o:p></SPAN></B></DIV>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt; LINE-HEIGHT: 14.4pt"><B><SPAN style="FONT-SIZE: 11pt; COLOR: #333333; FONT-FAMILY: Verdana; mso-fareast-font-family: 'Times New Roman'">This action plan amendment would have fixed a major inconsistency in Road Home (RH) administration<o:p></o:p></SPAN></B></DIV>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt; LINE-HEIGHT: 14.4pt"><B><SPAN style="FONT-SIZE: 11pt; COLOR: #333333; FONT-FAMILY: Verdana; mso-fareast-font-family: 'Times New Roman'"><o:p> </o:p></SPAN></B></DIV>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt; LINE-HEIGHT: 14.4pt"><B><SPAN style="FONT-SIZE: 11pt; COLOR: red; FONT-FAMILY: Verdana; mso-fareast-font-family: 'Times New Roman'">It was mandated by Act 829</SPAN></B><B><SPAN style="FONT-SIZE: 11pt; COLOR: #333333; FONT-FAMILY: Verdana; mso-fareast-font-family: 'Times New Roman'">, signed into law on July 9, 2008, in which the <?xml:namespace prefix = st1 ns = "urn:schemas-microsoft-com:office:smarttags" /><st1:State w:st="on"><st1:place w:st="on">Louisiana</st1:place></st1:State> legislators called for reform of the Road Home Program <o:p></o:p></SPAN></B></DIV>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt; LINE-HEIGHT: 14.4pt"><FONT size=3><FONT face="Times New Roman"><SPAN style="COLOR: #333333"> </SPAN><SPAN style="COLOR: black"> <o:p></o:p></SPAN></FONT></FONT></DIV>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt; LINE-HEIGHT: 14.4pt"><FONT face="Times New Roman"><SPAN style="COLOR: #333333; FONT-FAMILY: inherit"><FONT size=3> </FONT></SPAN><SPAN style="FONT-SIZE: 10pt; COLOR: #333333; FONT-FAMILY: inherit"><A href="http://www.legis.state.la.us/billdata/streamdocument.asp?did=504663" target=_blank><SPAN style="mso-bidi-font-size: 12.0pt"><FONT color=#0000ff>http://www.legis.state.la.us/billdata/streamdocument.asp?did=504663</FONT></SPAN></A></SPAN><SPAN style="COLOR: black"><FONT size=3> <o:p></o:p></FONT></SPAN></FONT></DIV>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt; LINE-HEIGHT: 14.4pt"><FONT size=3><FONT face="Times New Roman"><SPAN style="COLOR: #333333"> </SPAN><SPAN style="COLOR: black"> <o:p></o:p></SPAN></FONT></FONT></DIV>
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<LI class=MsoNormal style="MARGIN: 0in 0in 0pt; COLOR: #333333; LINE-HEIGHT: 14.4pt; mso-list: l11 level1 lfo1; tab-stops: list .5in"><B><SPAN style="FONT-SIZE: 11pt; FONT-FAMILY: Verdana; mso-fareast-font-family: 'Times New Roman'">The bill was passed by 82 votes for vs. 11 opposed in the House and 93 for vs. 4 opposed in the Senate although LRA (Louisiana Recovery Authority) and OCD (Office of Community Development) argued against it<o:p></o:p></SPAN></B></LI></UL>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt 0.25in; LINE-HEIGHT: 14.4pt"><B><SPAN style="FONT-SIZE: 11pt; COLOR: #333333; FONT-FAMILY: Verdana; mso-fareast-font-family: 'Times New Roman'"><o:p> </o:p></SPAN></B></DIV>
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<LI class=MsoNormal style="MARGIN: 0in 0in 0pt; COLOR: #333333; LINE-HEIGHT: 14.4pt; mso-list: l11 level1 lfo1; tab-stops: list .5in"><B><SPAN style="FONT-SIZE: 11pt; FONT-FAMILY: Verdana; mso-fareast-font-family: 'Times New Roman'">It called for re-institution of the former RH policy of using the highest of multiple house valuations for calculation of grants<o:p></o:p></SPAN></B></LI></UL>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt 99pt; TEXT-INDENT: -0.25in; LINE-HEIGHT: 15.6pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l10 level1 lfo2; tab-stops: list 63.0pt"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Courier New'; mso-fareast-font-family: 'Courier New'"><SPAN style="mso-list: Ignore">o<SPAN style="FONT: 7pt 'Times New Roman'"> </SPAN></SPAN></SPAN><B><SPAN style="FONT-SIZE: 11pt; COLOR: #333333; FONT-FAMILY: Verdana; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: SimSun"><SPAN style="mso-tab-count: 1"> </SPAN></SPAN></B><SPAN style="FONT-SIZE: 11pt; FONT-FAMILY: SimSun; mso-fareast-font-family: 'Times New Roman'">Road Home stated that it<SPAN style="mso-spacerun: yes"> </SPAN>“Provides the applicant with the highest available pre-storm value” <SPAN style="mso-tab-count: 2">
</SPAN><SPAN style="mso-tab-count: 1"> </SPAN></SPAN><SPAN style="FONT-FAMILY: SimSun; mso-bidi-font-family: SimSun"><A href="http://road2la.org/Docs/policies/Homeowner_Program_Policies%20v5.2_5-6-08.pdf"><SPAN style="FONT-SIZE: 10pt; mso-bidi-font-size: 12.0pt"><FONT color=#0000ff>http://road2la.org/Docs/policies/Homeowner_Program_Policies%20v5.2_5-6-08.pdf</FONT></SPAN></A></SPAN><SPAN style="FONT-SIZE: 11pt; FONT-FAMILY: SimSun; mso-fareast-font-family: 'Times New Roman'"> (p. 22/30)</SPAN><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Calibri; mso-fareast-font-family: 'Times New Roman'"><o:p></o:p></SPAN></DIV>
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<LI class=MsoNormal style="MARGIN: 0in 0in 0pt; COLOR: #333333; LINE-HEIGHT: 14.4pt; mso-list: l11 level1 lfo1; tab-stops: list .5in"><B><SPAN style="FONT-SIZE: 11pt; FONT-FAMILY: Verdana; mso-fareast-font-family: 'Times New Roman'">From many applicants’ reports and staff reports, we know that grant values were downsized from original determinations by later PSV's that were lower. <o:p></o:p></SPAN></B></LI></UL>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt; LINE-HEIGHT: 14.4pt"><B><SPAN style="FONT-SIZE: 11pt; COLOR: #333333; FONT-FAMILY: Verdana; mso-fareast-font-family: 'Times New Roman'"> <o:p></o:p></SPAN></B></DIV>
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<LI class=MsoNormal style="MARGIN: 0in 0in 0pt; COLOR: #333333; LINE-HEIGHT: 14.4pt; mso-list: l5 level1 lfo3; tab-stops: list .5in"><B><SPAN style="FONT-SIZE: 11pt; FONT-FAMILY: Verdana; mso-fareast-font-family: 'Times New Roman'">Choosing the highest PSV was supposed to be an antidote to choosing the lower of the two values of PSV vs. estimated cost of damage in grant calculations<o:p></o:p></SPAN></B></LI></UL>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt; LINE-HEIGHT: 14.4pt"><B><SPAN style="FONT-SIZE: 11pt; COLOR: #333333; FONT-FAMILY: Verdana; mso-fareast-font-family: 'Times New Roman'"><o:p> </o:p></SPAN></B></DIV>
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<LI class=MsoNormal style="MARGIN: 0in 0in 0pt; COLOR: black; LINE-HEIGHT: 14.4pt; mso-list: l5 level1 lfo3; tab-stops: list .5in"><B><SPAN style="FONT-SIZE: 11pt; COLOR: #333333; FONT-FAMILY: Verdana; mso-fareast-font-family: 'Times New Roman'">ICF seems to be padding its bills with redundant PSV's and then often downsizing grant amounts by choosing low values for grant calculation</SPAN></B><o:p></o:p></LI></UL>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt; LINE-HEIGHT: 14.4pt"><FONT size=3><FONT face="Times New Roman"><SPAN style="COLOR: #333333"> </SPAN><SPAN style="COLOR: black"> <o:p></o:p></SPAN></FONT></FONT></DIV>
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<LI class=MsoNormal style="MARGIN: 0in 0in 0pt; COLOR: #333333; LINE-HEIGHT: 14.4pt; mso-list: l5 level1 lfo3; tab-stops: list .5in"><FONT size=3><B><SPAN style="COLOR: maroon; FONT-FAMILY: Arial">Most importantly, HUD allows RH to give applicants the highest ICF-calculated PSV in their file upon appeal</SPAN></B><FONT face="Times New Roman"><SPAN style="FONT-FAMILY: inherit"> </SPAN><B><SPAN style="FONT-SIZE: 11pt; FONT-FAMILY: Verdana; mso-fareast-font-family: 'Times New Roman'"><o:p></o:p></SPAN></B></FONT></FONT></LI></UL>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt 0.25in; LINE-HEIGHT: 14.4pt"><B><SPAN style="FONT-SIZE: 11pt; COLOR: #333333; FONT-FAMILY: Verdana; mso-fareast-font-family: 'Times New Roman'"><o:p> </o:p></SPAN></B></DIV>
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<LI class=MsoNormal style="MARGIN: 0in 0in 0pt; COLOR: maroon; LINE-HEIGHT: 14.4pt; mso-list: l5 level1 lfo3; tab-stops: list .5in"><B><SPAN style="FONT-FAMILY: Arial"><FONT size=3>So this law would let applicants who have not had a chance to appeal get the same treatment as those who do<o:p></o:p></FONT></SPAN></B></LI></UL>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt; LINE-HEIGHT: 14.4pt"><B><SPAN style="FONT-SIZE: 11pt; COLOR: #333333; FONT-FAMILY: Verdana; mso-fareast-font-family: 'Times New Roman'"> <o:p></o:p></SPAN></B></DIV>
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<LI class=MsoNormal style="MARGIN: 0in 0in 0pt; COLOR: #333333; LINE-HEIGHT: 14.4pt; mso-list: l0 level1 lfo4; tab-stops: list .5in"><B><SPAN style="FONT-SIZE: 11pt; FONT-FAMILY: Verdana; mso-fareast-font-family: 'Times New Roman'">Amazingly, the letter arrived at a judgment about Action Plan Amendment 28 inconsistent with the words of the Amendment <o:p></o:p></SPAN></B></LI></UL>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt; LINE-HEIGHT: 14.4pt"><B><SPAN style="FONT-SIZE: 11pt; COLOR: #333333; FONT-FAMILY: Verdana; mso-fareast-font-family: 'Times New Roman'"> <o:p></o:p></SPAN></B></DIV>
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<LI class=MsoNormal style="MARGIN: 0in 0in 0pt; COLOR: #333333; LINE-HEIGHT: 14.4pt; mso-list: l0 level1 lfo4; tab-stops: list .5in"><B><SPAN style="FONT-SIZE: 11pt; FONT-FAMILY: Verdana; mso-fareast-font-family: 'Times New Roman'">The amendment is not about pre-storm home valuations “20% higher than the next nearest estimate,” as stated in the letter<o:p></o:p></SPAN></B></LI></UL>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt; LINE-HEIGHT: 14.4pt"><B><SPAN style="FONT-SIZE: 11pt; COLOR: #333333; FONT-FAMILY: Verdana; mso-fareast-font-family: 'Times New Roman'"><o:p> </o:p></SPAN></B></DIV>
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<LI class=MsoNormal style="MARGIN: 0in 0in 0pt; COLOR: #333333; LINE-HEIGHT: 14.4pt; mso-list: l0 level1 lfo4; tab-stops: list .5in"><B><SPAN style="FONT-SIZE: 11pt; FONT-FAMILY: Verdana; mso-fareast-font-family: 'Times New Roman'">Nor is it about any 20% rule as the letter states<o:p></o:p></SPAN></B></LI></UL>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt; LINE-HEIGHT: 14.4pt"><B><SPAN style="FONT-SIZE: 11pt; COLOR: #333333; FONT-FAMILY: Verdana; mso-fareast-font-family: 'Times New Roman'"><o:p> </o:p></SPAN></B></DIV>
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<LI class=MsoNormal style="MARGIN: 0in 0in 0pt; COLOR: #333333; LINE-HEIGHT: 14.4pt; mso-list: l0 level1 lfo4; tab-stops: list .5in"><B><SPAN style="FONT-SIZE: 11pt; FONT-FAMILY: Verdana; mso-fareast-font-family: 'Times New Roman'">It is about ICF's multiple, often inaccurate & wasteful determinations of pre-storm value (PSV) for grant calculation<o:p></o:p></SPAN></B></LI></UL>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt; LINE-HEIGHT: 14.4pt"><B><SPAN style="FONT-SIZE: 11pt; COLOR: #333333; FONT-FAMILY: Verdana; mso-fareast-font-family: 'Times New Roman'"><o:p> </o:p></SPAN></B></DIV>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt; LINE-HEIGHT: 14.4pt"><B><SPAN style="FONT-SIZE: 11pt; COLOR: #333333; FONT-FAMILY: Verdana; mso-fareast-font-family: 'Times New Roman'">The State (Office of Community Development, OCD) admitted in the fiscal note for RH reform bills in 2008 that it would cost something like $0.5 billion to give applicants the highest of multiple ICF-determined PSVs in their file <o:p></o:p></SPAN></B></DIV>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt; LINE-HEIGHT: 14.4pt"><FONT size=3><FONT face="Times New Roman"><SPAN style="COLOR: #333333"> </SPAN><SPAN style="COLOR: black"> <o:p></o:p></SPAN></FONT></FONT></DIV>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt; LINE-HEIGHT: 14.4pt"><B><SPAN style="FONT-SIZE: 11pt; COLOR: #333333; FONT-FAMILY: Verdana; mso-fareast-font-family: 'Times New Roman'">The yellow highlighting below comes from LRA’s Action Plan Amendment & the yellow highlighting is theirs to indicate the change for Amendment 28. <o:p></o:p></SPAN></B></DIV>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt; LINE-HEIGHT: 14.4pt"><FONT face="Times New Roman"><SPAN style="FONT-SIZE: 10pt; COLOR: #333333"> </SPAN><SPAN style="COLOR: black"><FONT size=3> <o:p></o:p></FONT></SPAN></FONT></DIV>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt; LINE-HEIGHT: 14.4pt"><SPAN style="FONT-SIZE: 10pt; COLOR: #333333; FONT-FAMILY: inherit"><A href="http://www.doa.louisiana.gov/cdbg/dr/plans/Amend28-PUBLIC-COMMENT-Appraisal-Determination-08-08-08.pdf" target=_blank><SPAN style="FONT-FAMILY: 'Times New Roman'; mso-bidi-font-size: 12.0pt"><FONT color=#0000ff>http://www.doa.louisiana.gov/cdbg/dr/plans/Amend28-PUBLIC-COMMENT-Appraisal-Determination-08-08-08.pdf</FONT></SPAN></A></SPAN><SPAN style="COLOR: black"><FONT size=3><FONT face="Times New Roman"> <o:p></o:p></FONT></FONT></SPAN></DIV>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt; LINE-HEIGHT: 14.4pt"><FONT face="Times New Roman"><SPAN style="FONT-SIZE: 10pt; COLOR: #333333"> </SPAN><SPAN style="COLOR: black"><FONT size=3> <o:p></o:p></FONT></SPAN></FONT></DIV>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt; LINE-HEIGHT: 14.4pt"><SPAN style="FONT-SIZE: 10pt; COLOR: black"><FONT face="Times New Roman"> </FONT></SPAN><U><SPAN style="FONT-SIZE: 10pt; COLOR: #333333; FONT-FAMILY: Arial; mso-fareast-font-family: SimSun">Pre-Storm Value <o:p></o:p></SPAN></U></DIV>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt; LINE-HEIGHT: 14.4pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto"><SPAN style="FONT-SIZE: 10pt; COLOR: #333333; FONT-FAMILY: Arial; mso-fareast-font-family: SimSun">To accurately calculate compensation, the <I>Road Home </I>Program must base assistance on a fair and equitable pre-storm value of the home. The pre-storm value is based on one of four methods listed below.<B style="mso-bidi-font-weight: normal"> <SPAN style="BACKGROUND: yellow">If more than one method of determining pre-storm value is available, the pre-storm value used in the <I>Road Home </I>calculation will be based on the method with the highest value, regardless of any difference between the values determined by different methods.</SPAN></B><SPAN style="BACKGROUND: yellow"> </SPAN></SPAN><SPAN style="FONT-SIZE: 10pt; COLOR: black; FONT-FAMILY: Arial; mso-fareast-font-family: SimSun"><o:p></o:p></SPAN></DIV>
<OL style="MARGIN-TOP: 0in" type=1>
<LI class=MsoNormal style="MARGIN: 0in 0in 0pt; COLOR: #333333; LINE-HEIGHT: 14.4pt; mso-list: l1 level1 lfo5; tab-stops: list .5in"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'">Homeowner-provided appraisal of pre-storm value performed by a <st1:State w:st="on"><st1:place w:st="on">Louisiana</st1:place></st1:State> certified and licensed appraiser that was completed since January 1, 2000 (including appraisals completed post-storm). These appraisals will be adjusted, if necessary, to reflect the market rate as of the 2nd quarter of 2005 using figures released by Office of Federal Housing Enterprise Oversight (www.ofheo.gov). If the appraisal provided by the homeowner is a post-storm appraisal of pre-storm value the valuation will be verified by the Road Home. <o:p></o:p></SPAN></LI>
<LI class=MsoNormal style="MARGIN: 0in 0in 0pt; COLOR: #333333; LINE-HEIGHT: 14.4pt; mso-list: l1 level1 lfo5; tab-stops: list .5in"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'">FNMA (Fannie Mae), Freddie Mac, FHA, VA, USDA, or SBA Appraisal that was completed since January 1, 2000. If there is more than one source available, the <I>Road Home </I>will use the most recent appraisal available. These appraisals will be adjusted to reflect the market rate as of the 2nd quarter of 2005 using figures released by Office of Federal Housing Enterprise Oversight (www.ofheo.gov). <o:p></o:p></SPAN></LI>
<LI class=MsoNormal style="MARGIN: 0in 0in 0pt; COLOR: #333333; LINE-HEIGHT: 14.4pt; mso-list: l1 level1 lfo5; tab-stops: list .5in"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'">A pre-storm market analysis that is obtained by <I>The Road Home </I>program from a <st1:State w:st="on"><st1:place w:st="on">Louisiana</st1:place></st1:State> certified and licensed appraiser <o:p></o:p></SPAN></LI>
<LI class=MsoNormal style="MARGIN: 0in 0in 0pt; COLOR: #333333; LINE-HEIGHT: 14.4pt; mso-list: l1 level1 lfo5; tab-stops: list .5in"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'">A BPO of pre-storm value that is obtained by <I>The Road Home </I>program from a <st1:State w:st="on"><st1:place w:st="on">Louisiana</st1:place></st1:State> licensed Realtor. The Road Home program will coordinate with home evaluation team to obtain square footage of home and any other information about the home necessary for the Realtor to prepare a valid BPO. The BPO will involve a drive-by of the property to view the neighborhood and the subject property’s land and structures.<SPAN style="mso-spacerun: yes"> </SPAN></SPAN><SPAN style="FONT-SIZE: 11pt; FONT-FAMILY: Calibri; mso-fareast-font-family: 'Times New Roman'"><SPAN style="mso-spacerun: yes"> </SPAN></SPAN><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial;
mso-fareast-font-family: 'Times New Roman'"><o:p></o:p></SPAN></LI></OL>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt; LINE-HEIGHT: 14.4pt"><FONT face="Times New Roman"><SPAN style="FONT-SIZE: 10pt; COLOR: #333333"> </SPAN><SPAN style="FONT-SIZE: 10pt; COLOR: black"> <o:p></o:p></SPAN></FONT></DIV>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt; LINE-HEIGHT: 14.4pt"><FONT face="Times New Roman"><SPAN style="FONT-SIZE: 10pt; COLOR: #333333"> </SPAN><SPAN style="COLOR: black"><FONT size=3> </FONT></SPAN></FONT><B><SPAN style="FONT-SIZE: 11pt; COLOR: #333333; FONT-FAMILY: Verdana; mso-fareast-font-family: 'Times New Roman'"> <o:p></o:p></SPAN></B></DIV>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt; LINE-HEIGHT: 14.4pt"><B><SPAN style="FONT-SIZE: 11pt; COLOR: #333333; FONT-FAMILY: Verdana; mso-fareast-font-family: 'Times New Roman'">HUD got it wrong, as they did in a May 19, 2008 letter elicited by former OCD head Suzie Elkins<o:p></o:p></SPAN></B></DIV>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt; LINE-HEIGHT: 14.4pt"><B><SPAN style="FONT-SIZE: 11pt; COLOR: #333333; FONT-FAMILY: Verdana; mso-fareast-font-family: 'Times New Roman'"><o:p> </o:p></SPAN></B></DIV>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt; LINE-HEIGHT: 14.4pt"><B><SPAN style="FONT-SIZE: 11pt; COLOR: #333333; FONT-FAMILY: Verdana; mso-fareast-font-family: 'Times New Roman'">That letter was used to help defeat another bill, the Road Home Applicants Bill of Right, SB 740<o:p></o:p></SPAN></B></DIV>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt; LINE-HEIGHT: 14.4pt"><B><SPAN style="FONT-SIZE: 11pt; COLOR: #333333; FONT-FAMILY: Verdana; mso-fareast-font-family: 'Times New Roman'"><o:p> </o:p></SPAN></B></DIV>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt; LINE-HEIGHT: 14.4pt"><B><SPAN style="FONT-SIZE: 11pt; COLOR: #333333; FONT-FAMILY: Verdana; mso-fareast-font-family: 'Times New Roman'"><SPAN style="mso-tab-count: 1"> </SPAN>It had the same mistake about the 20% rule that was irrelevant to that bill <o:p></o:p></SPAN></B></DIV>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt; LINE-HEIGHT: 14.4pt"><FONT size=3><FONT face="Times New Roman"><SPAN style="COLOR: #333333"> </SPAN><SPAN style="COLOR: black"> <o:p></o:p></SPAN></FONT></FONT></DIV>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt"><o:p><FONT face="Times New Roman" size=3> </FONT></o:p></DIV>
<H2 style="MARGIN: 12pt 0in 3pt; LINE-HEIGHT: 15.6pt"><SPAN style="FONT-SIZE: 14.5pt"><EM>2. Predatory New Wording in Closing Documents For Those Who Sold Their Home To the Road Home Program<o:p></o:p></EM></SPAN></H2>
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<LI class=MsoNormal style="MARGIN: 0in 0in 6pt; COLOR: #333333; LINE-HEIGHT: 15.6pt; mso-margin-top-alt: auto; mso-list: l7 level1 lfo6; tab-stops: list .5in"><SPAN style="FONT-SIZE: 11pt; FONT-FAMILY: Verdana">Closing documents now state that applicants would have to return the entire grant even if they made an unintentional “mistake” <o:p></o:p></SPAN></LI></UL>
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<LI class=MsoNormal style="MARGIN: 0in 0in 6pt; COLOR: #333333; LINE-HEIGHT: 15.6pt; mso-margin-top-alt: auto; mso-list: l9 level1 lfo7; tab-stops: list .5in"><SPAN style="FONT-SIZE: 11pt; FONT-FAMILY: Verdana">This is easy to do in the maize of changing and overly complicated rules for the Road Home <o:p></o:p></SPAN></LI></UL>
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<LI class=MsoNormal style="MARGIN: 0in 0in 6pt; COLOR: #333333; LINE-HEIGHT: 15.6pt; mso-margin-top-alt: auto; mso-list: l12 level1 lfo8; tab-stops: list .5in"><SPAN style="FONT-SIZE: 11pt; FONT-FAMILY: Verdana">The wording is <BR></SPAN><SPAN style="FONT-SIZE: 11pt; COLOR: black; FONT-FAMILY: Verdana">CIVIL LIABILITY DISCLOSURE</SPAN><SPAN style="FONT-SIZE: 11pt; FONT-FAMILY: Verdana">: I agree to repay the Grant in the event I have made or hereafter make or file false, misleading and/or incomplete statements and/or documents, even if not intentional on my part. <o:p></o:p></SPAN></LI></UL>
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<LI class=MsoNormal style="MARGIN: 0in 0in 6pt; COLOR: #333333; LINE-HEIGHT: 15.6pt; mso-margin-top-alt: auto; mso-list: l3 level1 lfo9; tab-stops: list .5in"><SPAN style="FONT-SIZE: 11pt; FONT-FAMILY: Verdana">This is yet another example of the applicant-hostile nature of many aspects of the Road Home Program <o:p></o:p></SPAN></LI></UL>
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<LI class=MsoNormal style="MARGIN: 0in 0in 6pt; COLOR: #333333; LINE-HEIGHT: 15.6pt; mso-margin-top-alt: auto; mso-list: l4 level1 lfo10; tab-stops: list .5in"><SPAN style="FONT-SIZE: 11pt; COLOR: black; FONT-FAMILY: Verdana">LRA</SPAN><SPAN style="FONT-SIZE: 11pt; FONT-FAMILY: Verdana"> has even used what it calls pull-backs to decrease grants <STRONG><SPAN style="FONT-FAMILY: Verdana">after</SPAN></STRONG> closing by not putting the full amount signed for in the applicant’s bank account <o:p></o:p></SPAN></LI></UL>
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<LI class=MsoNormal style="MARGIN: 0in 0in 6pt; COLOR: #333333; LINE-HEIGHT: 15.6pt; mso-margin-top-alt: auto; mso-list: l6 level1 lfo11; tab-stops: list .5in"><SPAN style="FONT-SIZE: 11pt; FONT-FAMILY: Verdana">It has done this even for alleged Road Home mistakes <o:p></o:p></SPAN></LI></UL>
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<P class=MsoNormal style="MARGIN: 0in 0in 0pt"><B style="mso-bidi-font-weight: normal"><SPAN style="FONT-SIZE: 14pt"><FONT face="Times New Roman">3. Good News, Sold-At-A-Loss Extended to Aug. 29, 2007<o:p></o:p></FONT></SPAN></B></DIV>
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<P class=MsoNormal style="MARGIN: 0in 0in 0pt"><B style="mso-bidi-font-weight: normal"><SPAN style="FONT-SIZE: 14pt"><FONT face="Times New Roman">Bad News, We Hear Of Shortchanging Some of These Applicants<o:p></o:p></FONT></SPAN></B></DIV>
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<P class=MsoNormal style="MARGIN: 0in 0in 0pt"><B style="mso-bidi-font-weight: normal"><SPAN style="FONT-SIZE: 14pt"><FONT face="Times New Roman"><SPAN style="mso-spacerun: yes"> </SPAN>& No Money Given Out More Than Half A Year After Approved Grants For Those Who Sold by Aug. 29. 2006<o:p></o:p></FONT></SPAN></B></DIV>
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<DIV><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial"><A href="http://www.nola.com/news/index.ssf/2009/01/more_than_800_homesellers_now.html">http://www.nola.com/news/index.ssf/2009/01/more_than_800_homesellers_now.html</A><o:p></o:p></SPAN></DIV>
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<H1 style="MARGIN: auto 0in"><SPAN style="FONT-SIZE: 13.5pt; FONT-FAMILY: Arial">More than 800 homesellers now eligible for Road Home grants</SPAN><SPAN style="FONT-FAMILY: Arial"><o:p></o:p></SPAN></H1>
<H3 style="MARGIN: auto 0in"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">by Michelle Krupa, The Times-Picayune </SPAN><SPAN style="FONT-FAMILY: Arial"><o:p></o:p></SPAN></H3>
<H3 style="MARGIN: auto 0in"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">Friday January 23, 2009, 9:33 PM</SPAN><SPAN style="FONT-FAMILY: Arial"><o:p></o:p></SPAN></H3>
<DIV><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">More than 800 Road Home applicants who sold their homes at a loss between Aug. 30, 2006, and Aug. 29, 2007, now are considered eligible for compensation grants, the Louisiana Recovery Authority announced Friday.<o:p></o:p></SPAN></DIV>
<DIV><A name=more></A><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">The change comes a day after the U.S. Department of Housing and Urban Development authorized expansion of the Road Home's Sold Homes program for an additional year, LRA spokeswoman Christina Stephens said. Applicants must have applied to the program before the July 31, 2007, deadline and completed their first appointment by Dec. 15, 2007.<o:p></o:p></SPAN></DIV>
<DIV><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">"Homeowners had to make tough personal choices about what to do with their homes after Hurricanes Katrina and Rita, and many times this included selling a home for an extreme loss, " LRA Executive Director Paul Rainwater said in a statement.<o:p></o:p></SPAN></DIV>
<DIV><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">"By approving this change, the federal government is allowing us to aid more of those families, for which we are thankful, " he said.<o:p></o:p></SPAN></DIV>
<DIV><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">Original Road Home guidelines allowed grants for homeowners who had sold their homes at a loss by Aug. 29, 2006, the program's launch date. LRA officials, however, did not confirm until mid-2008 that the Road Home's $10.3 billion budget was sufficient to provide grants to those who sold their homes in late 2006 or early 2007.<o:p></o:p></SPAN></DIV>
<DIV><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">The grants are supposed to cover the difference between a home's pre-storm value and the amount the owner got from insurance proceeds and the sale.<o:p></o:p></SPAN></DIV>
<DIV><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">Stephens said no Sold Homes applicants have received their grants yet. She said the value of the grants are expected to be far less than the average payment made so far to property owners who stayed in their homes.<o:p></o:p></SPAN></DIV>
<DIV><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">About 5,500 Road Home applicants who had sold their homes at a loss applied. LRA officials last year sent letters asking those still interested in receiving aid to respond, though they still had not determined whether money would be available.<o:p></o:p></SPAN></DIV>
<DIV><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">About 3,000 applicants replied, Stephens said. Of those, 1,657 applications are pending -- and 102 are being verified -- covering properties that were sold in the year after the storm. She said the LRA will immediately begin reviewing paperwork from 832 applicants who sold their homes at a loss in the year ending Aug. 29, 2007.<o:p></o:p></SPAN></DIV>
<DIV><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">. . . . . . .<o:p></o:p></SPAN></DIV>
<DIV><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: Arial">Michelle Krupa can be reached at mkrupa@timespicayune.com or 504.826.3312.<o:p></o:p></SPAN></DIV>
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<P class=a style="MARGIN: 0in 0in 10pt"><FONT face=Calibri><B style="mso-bidi-font-weight: normal"><SPAN style="FONT-SIZE: 16pt; LINE-HEIGHT: 115%">4</SPAN></B><B style="mso-bidi-font-weight: normal"><SPAN style="FONT-SIZE: 14pt; LINE-HEIGHT: 115%">.</SPAN></B><FONT size=3> </FONT></FONT><B><U><SPAN style="FONT-SIZE: 14pt; COLOR: red; LINE-HEIGHT: 115%; FONT-FAMILY: Arial; mso-fareast-font-family: SimHei; mso-bidi-font-family: 'Times New Roman'">ICF Emergency Management Services, LLC (ICF) & Quadel Consulting Corp. (an ICF Subcontractor) could not buy the silence of all of its employees <o:p></o:p></SPAN></U></B></DIV>
<P class=MsoNormal style="MARGIN: 0in 0in 10pt; LINE-HEIGHT: 115%"><B><SPAN style="FONT-SIZE: 14pt; COLOR: red; LINE-HEIGHT: 115%; FONT-FAMILY: Arial; mso-fareast-font-family: SimHei; mso-bidi-font-family: 'Times New Roman'"><FONT color=#000000>At the Dec. 10 CHAT meeting being televised by Cox 10, you can hear and see one Road Home employee whose silence about RH problems could not be bought with a <U><A href="http://chatushome.com/chatusfiles/Quadel_RH_Subcontractor_SeverancePaymentRequiringSilence%5b1%5d.pdf"><SPAN style="LINE-HEIGHT: 115%; mso-bidi-font-size: 12.0pt">severance agreement</SPAN></A> <o:p></o:p></U></FONT></SPAN></B></DIV>
<P class=MsoNormal style="MARGIN: 0in 0in 10pt 0.5in; TEXT-INDENT: -0.25in; LINE-HEIGHT: 115%; mso-list: l8 level1 lfo12; tab-stops: list .5in"><FONT color=#000000><SPAN style="COLOR: red; FONT-FAMILY: Wingdings; mso-fareast-font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-bidi-font-weight: bold"><SPAN style="mso-list: Ignore"><FONT size=3>Ø</FONT><SPAN style="FONT: 7pt 'Times New Roman'"> </SPAN></SPAN></SPAN><B><SPAN style="COLOR: red; FONT-FAMILY: Arial; mso-fareast-font-family: SimHei; mso-bidi-font-family: 'Times New Roman'"><FONT size=3>The problems with ICF upper management intimidating employees who made constructive suggestions and the lack of consulting staff who dealt with applicants about the effectiveness of new or ongoing ICF protocols have been confirmed by additional former ICF staff<o:p></o:p></FONT></SPAN></B></FONT></DIV>
<P class=MsoNormal style="MARGIN: 0in 0in 10pt 1in; TEXT-INDENT: -0.25in; LINE-HEIGHT: 115%; mso-list: l8 level2 lfo12; tab-stops: list 1.0in"><FONT color=#000000><SPAN style="COLOR: red; FONT-FAMILY: Symbol; mso-fareast-font-family: Symbol; mso-bidi-font-family: Symbol; mso-bidi-font-weight: bold"><SPAN style="mso-list: Ignore"><FONT size=3>·</FONT><SPAN style="FONT: 7pt 'Times New Roman'"> </SPAN></SPAN></SPAN><B><SPAN style="COLOR: red; FONT-FAMILY: Arial; mso-fareast-font-family: SimHei; mso-bidi-font-family: 'Times New Roman'"><FONT size=3>Many ICF staff members told us they were just as frustrated with the Road Home as the applicants<o:p></o:p></FONT></SPAN></B></FONT></DIV>
<P class=MsoNormal style="MARGIN: 0in 0in 10pt 0.5in; TEXT-INDENT: -0.25in; LINE-HEIGHT: 115%; mso-list: l2 level1 lfo13; tab-stops: list .5in"><SPAN style="FONT-FAMILY: Wingdings; mso-fareast-font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-bidi-font-weight: bold"><SPAN style="mso-list: Ignore"><FONT size=3>Ø</FONT><SPAN style="FONT: 7pt 'Times New Roman'"> </SPAN></SPAN></SPAN><B><SPAN style="FONT-FAMILY: Arial; mso-fareast-font-family: SimHei; mso-bidi-font-family: 'Times New Roman'"><FONT size=3>We thank George Blow and COX10 for their dedication to getting the facts about Road Home to applicants and UNO for hosting our biweekly meetings!</FONT></SPAN></B></DIV>
<P class=MsoNormal style="MARGIN: 0in 0in 10pt 0.5in; TEXT-INDENT: -0.25in; LINE-HEIGHT: 115%; mso-list: l2 level1 lfo13; tab-stops: list .5in"><B><SPAN style="FONT-FAMILY: Arial; mso-fareast-font-family: SimHei; mso-bidi-font-family: 'Times New Roman'"><FONT size=3>(next one is Feb. 4, see <A href="http://chatushome.com">http://chatushome.com</A> for details)</FONT></SPAN></B></DIV>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt 0.5in; TEXT-INDENT: -0.25in; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l2 level1 lfo13; tab-stops: list .5in"><SPAN style="FONT-FAMILY: Wingdings; mso-fareast-font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-bidi-font-weight: bold; mso-fareast-language: ZH-CN"><SPAN style="mso-list: Ignore"><FONT size=3>Ø</FONT><SPAN style="FONT: 7pt 'Times New Roman'"> </SPAN></SPAN></SPAN><B><SPAN style="FONT-FAMILY: Arial; mso-fareast-font-family: SimSun; mso-fareast-language: ZH-CN"><FONT size=3>The 2-hour <SPAN style="COLOR: green">CHAT meeting on Dec. 10, 2008 about Road Home Contradictions</SPAN> has been/will be shown on:<o:p></o:p></FONT></SPAN></B></DIV>
<P class=MsoNormal style="MARGIN: 0in 0in 10pt; LINE-HEIGHT: 115%"><B><SPAN style="COLOR: red; FONT-FAMILY: Arial; mso-fareast-font-family: SimHei; mso-bidi-font-family: 'Times New Roman'"><FONT color=#000000 size=3>Tues., Dec. 16, 4 PM; Wed., Dec. 17, noon; Thurs., Dec. 18, 8 AM; Tues., Dec. 23, noon; Thurs., Dec. 25, noon; Fri., Dec. 26, 8 AM; Sat., Dec. 27, 4:30 PM; Sun., Dec. 28, 1 PM; Mon., Dec. 29, noon; Wed., Dec. 31, 2 PM; Thurs., Jan. 1, 1 PM; Fri., Jan. 2, 8 AM & 6 PM; Sat., Jan. 3, 3 PM; Mon., Jan. 5, 1:30 PM; Tues., Jan. 6, 3 PM; Wed., Jan. 7, noon; Thurs, Jan. 8, 4 PM; Fri., Jan. 9, 1:30 PM; Sat., Jan., 10, 3 PM; Mon., Jan. 12, 4 PM; Tues., Jan. 13, noon; Wed., Jan. 14, 2 PM; Thurs., Jan. 15, 2 PM; Fri., Jan. 16, noon; Sat., Jan. 17, 3 PM; Mon., Jan. 26, 4 PM; Tues., Jan. 27, noon; Wed., Jan. 28, 4:30 PM; Thurs., Jan. 29, noon; Fri., Jan. 30, 3 PM; Sat., Jan. 31, 4 PM.</FONT></SPAN></B></DIV>
<P class=MsoNormal style="MARGIN: 0in 0in 10pt; LINE-HEIGHT: 115%"><B><SPAN style="COLOR: red; FONT-FAMILY: Arial; mso-fareast-font-family: SimHei; mso-bidi-font-family: 'Times New Roman'"><FONT size=3><o:p>5. We are hearing more and more about paybacks demanded of applicants to Road Home on appeals.</o:p></FONT></SPAN></B></DIV>
<P class=MsoNormal style="MARGIN: 0in 0in 10pt; LINE-HEIGHT: 115%"><B><SPAN style="COLOR: red; FONT-FAMILY: Arial; mso-fareast-font-family: SimHei; mso-bidi-font-family: 'Times New Roman'"><FONT size=3><o:p>Is this more of squeezing grants to build up the surplus?</o:p></FONT></SPAN></B></DIV>
<P class=MsoNormal style="MARGIN: 0in 0in 10pt; LINE-HEIGHT: 115%"><B><SPAN style="COLOR: red; FONT-FAMILY: Arial; mso-fareast-font-family: SimHei; mso-bidi-font-family: 'Times New Roman'"><FONT size=3><o:p>Is it to discourage appeals?</o:p></FONT></SPAN></B></DIV>
<P class=MsoNormal style="MARGIN: 0in 0in 10pt; LINE-HEIGHT: 115%"><B><SPAN style="COLOR: red; FONT-FAMILY: Arial; mso-fareast-font-family: SimHei; mso-bidi-font-family: 'Times New Roman'"><FONT size=3><o:p>Tell us if you have a problem: <A href="http://chatushome.com">http://chatushome.com</A> for survey or send an email to <A href="mailto:chatlra@yahoo.com">chatlra@yahoo.com</A></o:p></FONT></SPAN></B></DIV>
<P class=MsoNormal style="MARGIN: 0in 0in 10pt; LINE-HEIGHT: 115%"><B><SPAN style="COLOR: red; FONT-FAMILY: Arial; mso-fareast-font-family: SimHei; mso-bidi-font-family: 'Times New Roman'"><FONT size=3><o:p></o:p></FONT></SPAN></B> </DIV>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT face="Times New Roman" size=3>Best wishes,</FONT></DIV>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt"><o:p><FONT face="Times New Roman" size=3> </FONT></o:p></DIV>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT face="Times New Roman" size=3>Melanie Ehrlich</FONT></DIV>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT face="Times New Roman" size=3>Co-Chairman, Citizens’ Road Home Action Team</FONT></DIV>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT face="Times New Roman" size=3>Member, LRA Housing Task Force (which has not met since June despite numerous requests for meetings)</FONT></DIV>
<DIV><A href="http://chatushome.com">http://chatushome.com</A></DIV></td></tr></table>