APPLICATION FOR FUNDS

— 1 —(Version Date: 5/18/2012)

APPLICATION FOR FUNDS FOR PROJECT TO HELP WASHINGTONHOMEOWNERS AVOID PREVENTABLE FORECLOSURES OR TO AMELIORATE

THE EFFECTS OF THE FORECLOSURE CRISIS

Please submit an application including all of the following information. Incompleteapplications will not be considered.

I. APPLICANT INFORMATION

Organization Name: Washington Asset Building Coalition

Mailing Address: PO Box 3831

City, State, Zip: Seattle WA 98124

County: King

If Tribal, Designate Tribe:

Primary Contact Person: Stephanie Bowman, Executive Director

Primary Contact Phone No.: 206-898-3043

Primary Contact Email: SBowman@WashingtonABC.org

Secondary Contact Person: Diana Stone

Secondary Contact Phone No.: 206-275-1811

Secondary Contact Email: dstone@skcabc.org

II. ORGANIZATION TYPE

(check applicable)

501(c)3 nonprofit

Tribal

Governmental agency

44-003

APPLICATION FOR FUNDS

— 2 —(Version Date: 5/18/2012)

III. IDENTIFYING INFORMATION

Tax Identification Number (TIN): 27-1406157Uniform Business Identifier (UBI):

A. Does your organization currently receive any funding from the AGO? If yes,please identify the date of your last report.

No; Yes.

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

No; Yes.

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.

No; Yes.

IV. PROJECT PROPOSAL

A. Project Title The H.O.M.E. Project(Home Owners Mortgage Evaluation)

B. Requested Amount: $380,205.00

C. Project summary: In 150 words or less, concisely describe your project and howit meets the criteria set forth in the settlement. This summary will help theCommittee review proposals. Attachments and exhibits are not allowed in thissection. Over-length summaries will disqualify application.The Washington Asset Building Coalition (WABC) will develop, organize andsponsor 28 “Mortgage Help Days” in 13 counties across the state targeted to reachunderserved populations at risk of foreclosure over a 24-month period. Using ourstatewide network of asset-building coalitions, these events will bring together inone location resources for homeowners, including but not limited to housingcounselors, legal aid attorneys and consumer debt counselors, with the goal ofproviding homeowners with technical resources and their options regardingforeclosure prevention.

Outreach to homeowners in each community about “Mortgage Help Day” willoccur through a variety of sources, including but not limited to using the existingnetwork of asset-building coalitions; proactive, direct contact to homeowners atrisk of foreclosure as identified through public records and various advertisingmediums (e.g., print, radio, etc.).

Additionally, WABC will update, publish and distribute statewide 10,000 copies

44-004

APPLICATION FOR FUNDS

— 3 —(Version Date: 5/18/2012)

the Washington Foreclosure Resource Guide & Mediation Toolkit.

D. Describe how your project meets the criteria set forth in sections I and III above,including estimated start and completion dates. Supporting information andexhibits may be included here. Please try to make your submission as concise aspossible.WABC aims to stop preventable foreclosures by working with our statewidenetwork of 21 local asset-building coalitions to provide homeowners withcomprehensive foreclosure prevention assistance in an accessible, convenient,highly publicized event in communities across Washington.

As the parent organization, WABC will create a statewide structure and templatefor “Mortgage Help Day”, including but not limited to the types of necessaryservices to be provided at each event throughout the state (housing counselors,legal aid, etc.); marketing materials (public service announcements, pressreleases, printed collateral); systemic outreach to homeowners at risk offoreclosure (as identified by public records), operational support and fiscaladministration. WABC will then work with our local coalitions to host “MortgageHelp Day” in their community, including securing local professional assistancefor homeowners; outreach to affected homeowners and logistical support asneeded. WABC has a track-record of success with this model, as evidenced byour “Bank On Washington” initiative.

There are numerous advantages to a coordinated, statewide effort. Mostimportantly, the economies of scale realized through WABC’s work indeveloping a template for “Mortgage Help Day” to be implemented statewide willresult in more homeowners throughout Washington being assisted in foreclosureprevention at a lower cost per dollar spent then if each community tried to createand hold such events on their own. The existing network of local asset-buildingcoalitions already includes many of the service providers (housing counselors,etc.) necessary to implement a successful outreach event. Second, WABC canensure broad geographic diversity for “Mortgage Help Day” by assistingcommunities that wouldn’t otherwise have the resources to reach distressedhomeowners. Third, the consistency inherent in a statewide effort will providegreater returns in advertising and outreach to homeowners, particularly the area ofearned media. Last but not least, WABC’s role as the fiscal agent will result inlower program administration costs (6.5% versus 10%).

Our proposed timeline for this work is:

September – October 31, 2012:Form steering committee & launch logistical planning for Mortgage Help Day(hire staff; develop specific outreach timeline; create template marketingmaterials); update and print Foreclosure Guides

November 2012 – August 2013:

44-005

APPLICATION FOR FUNDS

— 4 —(Version Date: 5/18/2012)

Host 14 “Mortgage Help Days” across the state; distribute Foreclosure Guidesstatewide

September, 2013:Program evaluation: make necessary adjustments to materials; outreach plan;provide Attorney Generals’ office with mid-project report.

October 2013 – August, 2014:Host 14 “Mortgage Help Days” across the state

September, 2014:Program evaluation & final report to Attorney General’s office

E. Describe the demographics of the consumers you serve. Please providesupporting data or statistics.WABC and our local asset-building coalitions serve low-and moderate-incomefamilies in 21 counties in Washington who face financial instability due to athreat or lack of assets - defined as homeownership, savings, education and smallbusiness development. Asset-building is both a poverty-reduction and communitybuilding strategy. Homeownership is widely recognized as the cornerstone toasset-building for low- and moderate-income families.

WABC does not use means-testing as a criteria for service. That said, our workand that of our members is specifically focused on assisting individuals andfamilies statewide who are in need of a broad array of financial empowerment andasset-building services, including financial counseling, debt counseling, housingcounseling, financial literacy and access to mainstream banking. In general,clients have household incomes less than $50,000 annually and ethnically diverseand traditionally under-served populations.

Seattle-King County’s “2012 Financial Fitness Day”, which is the model forMortgage Help Day, attracted the following residents:38% Black 13% Asian Pacific Islander 7% no information32% Caucasian 10% Hispanic

71% of the participants had incomes less than $40,000 annually; 11% ofparticipants had incomes between $40,000 - $80,000 annually.

44-006

APPLICATION FOR FUNDS

— 5 —(Version Date: 5/18/2012)

F. Describe the geographic scope of your project.The H.O.M.E. Project is a statewide effort specifically targeting homeowners atrisk of foreclosure in the following counties: King (Seattle and southeast King);Pierce; Thurston; Cowlitz; Clark; Whatcom; Snohomish; Grays Harbor; Kitsap;Spokane; Yakima; Benton / Franklin and Grant / Adams County.

G. Identify the total number of consumers you expect to serve during the life of thisgrant.Conservatively, we expect to directly attract 5,000 homeowners statewide to“Mortgage Help Day” events over the 24-month period of the grant, as well asdistribute 10,000 Foreclosure Guides to consumers during the first 12 months.

H. If this is not a new project, describe what changes are being made to an existingproject.This is a new project.

I. Describe how net benefit or positive outcomes can be measured at the end of theproject.There are several net benefits of The H.O.M.E. Project. First, this statewideoutreach effort will substantially raise public awareness about the foreclosureprevention resources available to Washington residents in communities across thestate. Using the existing network of local asset-building coalitions, WABC has theability to bring together more partners and resources for residents than otherorganizations working in a specific geographic area. Second, “Mortgage HelpDay” is by design a comprehensive approach to meeting the needs of those facingforeclosure: by combining access to housing counselors, debt counselors and legalaid professionals in a single day and location, we can address the variety ofchallenges a family faces more efficiently and effectively.

There are numerous ways to measure the success of this effort. First and foremost,WABC will closely track the number of participants at “Mortgage Help Day”,both at individual events in each county and in totality (statewide) over the 24-month period of the grant. Additionally, in order to monitor the quality of theservices provided, we will ask participants to complete a brief survey evaluatingtheir experience and providing feedback for ways to improve service. To thegreatest extent possible, WABC will work with partner organizations (such asthose providing housing counselors, for example) to track how many “MortgageHelp Day” participants continue to follow-through with the foreclosureprevention services they received. Finally, both after Year One and Year Two ofthe program, we will calculate and report the ROI based on the number ofparticipants and cost of each event. We intend to use this data at the end of YearOne to inform us of potential changes to the program in Year Two so that we canincrease participation where possible. To the extent that we can measure theeffectiveness of direct contact efforts to homeowners (either through mail or door-to-door canvassing of those homeowners having received a Notice of TrusteeSale), we will do so.

44-007

APPLICATION FOR FUNDS

— 6 —(Version Date: 5/18/2012)

J. Have you applied for an equivalent grant in the past, and if so, to which entity andwhen?No.

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

L. Please provide an organization chart for your organization.Attached.

M. Please provide three references familiar with organization’s activities and theircontact information.Carol GregoryExecutive Director, BURRST for Prosperity(206) 527-3881CarolG@chs-wa.org

Joel RyanExecutive Director, Washington State Association for Head Start & ECEAP425.453.1227Joel@WSAHEADSTARTECEAP.com

Jeannie DarnielleWashington State Representative(360) 786-7974PO Box 40600Olympia WA 98504-0600

44-008

APPLICATION FOR FUNDS

— 7 —(Version Date: 5/18/2012)

V. PROJECT BUDGET

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

A. Total Project amount:

Salaries: $70,000.00Goods and Services (identify): $304,000.00

Administrative Overhead $24,310.00Advertising or Outreach 0.00

Travel: $3,000.00Total: $401,310.00

B. What percent of your total project budget does this funding request represent?approximately 75%

C. If the project will be funded in part from other sources, identify those sources andthe funding amounts.N/A

VI. PROJECT ADMINISTRATION

A. Identify within your organization who will be directly responsible for thefollowing 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.Administration -Stephanie Bowman (Executive Director)Fiscal - Christine Garst (accountant) & Stephanie BowmanService Delivery - a new .5 FTE will be hired to manage The H.O.M.E. Project,supervised by Executive Director

Organizational Chart is attached

B. Describe what steps your organization will take to ensure that the project willserve its intended purposes and be completed on time.Our first and foremost objective is that The H.O.M.E. Project reach as manyWashington residents as possible and provide them with resources to help preventforeclosure of their homes.To this end, WABC will work closely with our local coalitions and their partnersto develop a detailed implementation plan for “Mortgage Help Day” in eachcounty, identifying up-front any potential hurdles (for example, conflicting

44-009

APPLICATION FOR FUNDS

— 8 —(Version Date: 5/18/2012)

events, lack of resources, etc.) that could impact the success of this program.Additionally, we will prepare a detailed evaluation within two weeks of theconclusion of each event (including participant evaluations), and use thisinformation to make necessary changes to the program on an on-going basis. Asmentioned in Section IV (D), we will also evaluate the program at the end of YearOne in order to ensure the highest rate of participation in Year Two.

C. Describe how you plan to measure and evaluate the success of your project andinclude samples of evaluation tools if available.As mentioned previously in Section IV (I), the success of The H.O.M.E. Projectwill be measured in a variety of ways:• The total number of homeowners participating in “Mortgage Help Day”, both atindividual events and collectively statewide;• The quality of the services of provided at “Mortgage Help Day”, as evaluated byparticipants (including effectiveness of pre-event advertising);• The range of service providers at each “Mortgage Help Day”• The return on investment (ROI), based on number of participants and cost perevent• Number of homeowners who continue through foreclosure prevention servicesor other financial counselingTo the greatest extent possible, WABC will also attempt to track the effectivenessof contacting homeowners directly (either through public information from Noticeof Trustee Sale documentation or through door-to-door canvassing), in addition toreferrals made by partner organizations.

44-010

APPLICATION FOR FUNDS

— 9 —(Version Date: 5/18/2012)

VII. CERTIFICATION

I certify that I have the authority to submit this proposal, and that the information in this proposalis true and accurate. If my organization is faith-based, I understand that federal and state lawprohibit the use of public funds for religious worship, exercise, instruction or support of anyreligious establishment.http://www.acf.hhs.gov/programs/ccb/law/state_faith_based.htmhttp://www.leg.wa.gov/LawsAndAgencyRules/constitution.htm

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

Printed Name and Title: Stephanie Bowman, Executive DirectorSignature (by entering name here,form is electronically signed):

Stephanie L. Bowman

Date: 6/29/2012

44-011

Washington Asset Building Coalition Organizational Chart

Board of Directors: Marcy Bowers, Director, Statewide Poverty Action Network (statewide)* Dave Sieminski, Executive Director, Express Credit Union (Seattle, WA) Molly Morris, Northwest Native Development Fund (Coulee Dam - Eastern WA) * Liz Myntti, Lower Columbia CAP (Longview - Southeast WA)* Roberta Marsh, Executive Director, South Sound Services (Tacoma, WA)* Kerry Rodkey, SNAP Financial Services (Spokane – NortheastWA)* Todd Pietzch, Boeing Employees Credit Union (statewide) Karan Gill, BURST for Prosperity (Renton, WA)* Diane Fay, Washington State Department of Commerce (statewide)* Diana Stone, Seattle-King County Asset Building Collaborative (Seattle, WA)* Barbara Gorzinski, Associated Ministries (Tacoma, WA)* Paul Knox, Executive Director, United Way of Thurston County (south Puget Sound region)

*= denotes female and / or person of color

Professional Staff: Executive Director: Stephanie Bowman Program Manager: Denise Rodriguez Staff Intern: Sasha Sabowski Accountant / Financial Administration: Christine Garst

Local Asset-Building Coalitions (chapters) are in the following counties:

King Grays Harbor Whatcom Pierce Kitsap Spokane Thurston Mason Jefferson Cowlitz Benton / Franklin Clallum Clark Walla Walla Columbia Skamania Chelan / Douglas Klickitat Grant / Adams Yakima Snohomish

44-012

Stephanie L. Bowman

P r o f e s s i o n a l E x p e r i e n c e

Executive Director

Washington ABC, Seattle WA November, 2011 – present Responsible for the management of a statewide non-profit association which promotes policies

and programs to help low- and moderate-income families build financial assets through investments in homeownership, education, savings and entrepreneurship. Responsibilities include management and coordination of 19 chapters statewide on public policy development and advocacy; fiscal management of the association; fund and membership development; coordination and development of asset-building initiatives with state agencies including the Department of Commerce; DSHS and Department of Financial Institutions.

Manager of Federal Governmental Affairs

Port of Tacoma, Tacoma, WA April, 2006 – April 2011 Responsible for the development, advocacy and implementation of federal government-level

public policies, including but not limited to national transportation policy, environmental regulation, international trade and supply chain competitiveness. Externally, manage the Port’s federal lobbying team and agenda with Members of Congress and professional staff, federal agencies, and national coalitions and trade organizations. Internally, proactively identify and prioritize issues of strategic significance; develop communication materials (including but not limited to policy analysis, testimony, and opinion editorials); manage the federal government affairs budget; provide counsel and support to the Port’s executive team and various departments regarding the organization’s positions on federal / national issues. Community Outreach Specialist

Vulcan, Inc., Seattle, WA 2005 – March, 2006 Responsible for the development and implementation of an outreach strategy to increase

community understanding and support for Vulcan's mission and initiatives in South Lake Union. Serve as the company’s liasion to local businesses, non-profit and community-based organizations in the South Lake Union neighborhood; proactively identify and pursue opportunties for strategic alliances to enhance the company’s position.

Director of Marketing

Fonté Coffee Roaster Inc., Seattle, WA 2004 Responsible for the creation and execution of a marketing and public relations program to

promote Fonté’s products on local and national levels. Elements include development of marketing materials and advertising; coordination and organization of media events; development and nurturing of relationships with influential industry leaders; representation of Fonté on the Boards of various state and national industry associations.

Director of Government Relations Greater Seattle Chamber of Commerce, Seattle, WA 1999 - 2004

Responsible for promoting the interests of Washington’s second-largest business organization to the Washington State Legislature and Executive Branch. Additional responsibilities include annual development of the Chamber’s legislative and public affairs agendas, with emphasis on communicating with the public the Chamber’s on-going public affairs positions to generate support for specific strategic legislative objectives; management of the Chamber’s Public Affairs Department; in-depth policy and

44-013

fiscal analysis of state and local ballot measures, and provide strategic advice to the Board of Trustees on various initiatives.

Director of Government and Community Relations The Cascadia Project, Seattle, WA 1994 - 1999

Responsible for implementing a legislative and community relations strategy for the policy initiatives of Discovery Institute’s Cascadia Project, focusing on economic development and community planning. Responsible for project advocacy with state and local elected officials and community leaders throughout Washington and Oregon. Managed Discovery Institute’s contract with the Seattle Bid Committee for the Summer Olympics, which included securing project funding ($250k), generating support from community organizations and overall project management.

Legislative Staff

Washington State Legislature, Olympia, WA 1993 Provided general support for the House of Representatives Corrections Committee during the

1993 legislative session. Responsibilities included research of corrections/penal issues as well as preparation and staffing of committee hearings.

Legislative Analyst Hawaii State Legislature, Honolulu, HI 1989

Primary liaison for Representative Michael O’Kieffe between constituents and caucus staff. Responsible for issue analysis, writing of daily briefing papers, press releases and monthly newsletters; researched and resolved constituent inquiries and concerns.

E d u c a t i o n & A w a r d s

Master of Business Administration, Executive Leadership, Seattle University, 2009 Bachelor of Science, Political Science, University of Idaho Recipient of the American Marshall Memorial Fellowship, 2007 Recognized by the Puget Sound Business Journal as an emerging business and community leader through

the “40 Under 40” award program

P r o f e s s i o n a l & C o m m u n i t y I n v o l v e m e n t ( p r e s e n t & p a s t )

American Association of Port Authorities: Legislative Policy Council; selected member, National Freight Policy Advisory Council Pacific Northwest Waterways Association: Executive Board member Coalition for American’s Gateways & Trade Corridors, West Coast advisory member Plymouth Housing Group (Seattle), former Board & Executive Board member P-Patch Trust, former Executive Board member Northwest Harvest Capital Campaign Committee Beacon Hill Community Council, member & former Executive Committee member Columbia Gorge Windsurfing Association

44-014

Washington Homeownership

Resource Center

6/29/2012

Conswner Protection Division Washington State Attorney General's Office 800 Fifth Avenue, Suite 2000 Seattle, Washington 98104-3188

Attention: Rich Zwicker, Paralegal

Washington Homeownership Resource Center 17544 Midvale Ave N, Suite LL. Shoreline, WA 98133 PH: (877) 894-4663 FX: (877) 751-6382

Letter of Support for Funding the Washiugton Homeownership Resource Center's Homeownership Information Hot1iue

Dear Washington Conswner Foreclosure Remedies Fund Committee:

Please accept this letter of support for the proposal submitted by the Washington Asset Building Coalition, requesting funding to for an important outreach program for Washington conswners affected by foreclosure.

We strongly support their project.

Thank you for your consideration.

Sincerely,

~Y~ Marc G. Cote Homeown~~p Pr_oWaIIl~_ J:)i!ector

44-015

Apprisen

614 552_2222 pMoI'

614 552.4800 I,,,

800 355.2227 ",II rr .....

3560 BrldccjX>rt Way W.

Uni~prslty PI~c(, IVA 98466

appri""".com

Consumer Protections Division Wash ington State Attorney General's Office 800 Fifth Avenue, Suite 2000 Seattle, WA, 98104

Attention: Rich Zwicker

Dear Fund Committee,

IUn<: 22, 2tH~

Charlie Helms, Regional President NW 3560 Bridgeport Way West, 1-0 University Place, WA, 98466

Please accept this letter of support for the proposal submitted by the Washington Asset Building Coalition requesting funding to assist distressed Homeowners and recently dispossessed Homeowners through the efforts of the statewide coalition.

We intend to partner with the Coalition by cross-referring residents in need between OUf HUD-approved financial/housing counseling agency and WABC local coalition members.

WABC coalition members will refer appropriate clients to our agency for housing counseling and also to our recovery program for recently dispossessed homeowners. This program provides multiple one-to-one financial counseling sessions to help those who have experienced foreclosure regain their financial footing.

As the clients worn their way through the recovery program, Apprisen will refer the them back to the WABC member agency for assistance with tax preparation, IDA enrollment, EITC assistance and additional services provided by members.

(~ji/;;;~li::_eration of the WABC request, Charlie Helms Regional President Northwest

44-016