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From YouTube: Mountain Community Capital Fund
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B
Thank
you
Francia
good
morning,
everybody
so
good
to
see
you
all
again.
Hopefully
you
had
a
good
Thanksgiving.
I
know
it's
a
busy
time
of
year.
So
today
we
have
a
somewhat
shorter
agenda
compared
to
last
time,
but
we
will
just
jump
right
in
but
before
we
do,
let's
do
a
quick
roll
call
of
everybody
on
the
call
and
we
will
just
I'll
just
start
kind
of
from
the
left-hand
corner
and
go
around
that
way.
So
looks
like
d.
You
are
up
first.
C
Morning,
everybody,
my
name
is
D
Williams
I
am
a
city
appointed
representative
and
I
am
a
voting
member.
D
Good
morning,
I'm
Frank
McGowan
city
of
Asheville
staff
and
interim
assistant
director
for
the
CED
department
and
I
am
a
voting
member.
B
B
B
Perfect
Rachel.
H
B
Awesome
yasleen
I
believe
you
are
the
last
one
before
I
go
non-voting.
B
Thank
you
and
I
am
Maui.
Vang
I
am
a
County
appointee
voting
member
and
the
chair
from
CCF
so
good
to
have
you
all
so
looking
forward
to
this
hopefully
shortened
her
and
sweet
they're
meeting,
so
I'll
jump
into
our
agenda
items.
Hopefully
everybody
received
them
and
had
a
chance
to
look
over
beforehand,
and
so
first
thing
on
our
agenda
is
just
approval
from
last
meetings,
minutes
from
November
4th.
B
B
B
F
Thank
you
so
last
meeting
and
and
subs
in
our
previous
meetings,
our
group
has
been
talking
about
wanting
to
ensure
that
our
guiding
documents
for
this
committee
are
up
to
date
and
reflect
our
our
recent
additional
dollars
that
have
been
made
available
for
the
Mountain
Community
Capital
fund
and
so
I
am
working
through
our
city
legal
department
to
assist
in
some
of
those
changes.
F
We
had
looked
at
some
proposed
changes
from
this
group
and
and
now
we're
at
the
point
to
involve
our
legal
team
and
so
primarily
I
think
for
me,
it's
taken
on
a
three-way
approach,
and
so,
namely
that
is
to
work
within
the
document
that
we've
been
looking
at
together.
F
Also
ensuring
that
our
legal
team
can
provide
insight
into
this
committee
as
to
our
role
of
governance
role,
and
so
that's
something
that
we're
also
speaking
about
and
then
I
know
that
with
the
arpa
funds
that
both
the
city
and
the
county
are
dedicating
towards
nccf.
There's
also
that
component
as
well
and
so
I
had
a
chance
to
speak
with
Janice
just
to
acquire
where
she
is
on
the
on
the
project
and
I
I.
Don't
have
anything
back
from
her
yet
in
terms
of
something
for
this
group
to
review.
F
I
think
what
she
had
asked
is
if
we
could
inform
a
deadline-
and
maybe
look
at
some
dates-
that
we
would
want
some
deliveries
or
deliverables
by
a
certain
date
that
way
that
can
really
help
her
prioritize
this
work
and
ensure
that
we
have
what
we
need
before
we
we
start
making
further
progress
on
the
loans.
F
I
think
that
would
be
helpful
and
then
I
also
think
that
we
may
want
to
designate
perhaps
in
a
future
agenda
and
just
have
an
agenda
item
where
we
ask
legal
to
help
inform
the
committee
on
roles
and
responsibilities.
That
way
we
can
work
towards
that
date
as
well
to
let
legal
prepare
for
providing
some
insight
and
allowing
that
discussion
for
the
committee
to
really
understand
our
roles.
F
F
I
would
like
to
hear
feedback
from
the
group
on
on
those
two
items,
so
one
a
deadline
that
we
could
impose
for
proposed
changes
for
the
document
and
then
second
a
proposed
date
that
we
would
ask
legal
to
to
share
and
visit
with
this
committee
and
share
a
role
so
D
I
see
your
hands
raised,
so
go
ahead.
C
Some
certain
difficulty
I
do
apologize
for
the
benefit
of
the
motoring
public
and
some
of
us.
Could
you
I
guess
note
who
Janice
is
and.
F
Absolutely
absolutely
Janice
Ashley
is
a
senior
attorney
and
our
attorney's
office
here
at
the
city
of
Asheville
she's
worked
with
the
city
for
a
number
of
years.
F
One
of
the
departments
in
her
portfolio
is
the
community
and
economic
development
department,
and
so
she
is
our
liaison
to
our
our
legal
office,
and
so
she
is
we've.
We've
tapped.
Her
we've
invited
her
to
serve
in
this
role
to
help
us
through
some
of
the
changes
that
we
were
making
to
our
our
documents.
Just
because
I
always
appreciate
legal
Insight.
I
will
note
a
record
that
there
likely
will
be
subsequent
steps.
F
I
think
asking
Janice
to
take
the
first
first
draft,
but
I
I
also
want
to
acknowledge
that
the
County's
attorney
will
will
be
involved
in
this
process
as
well
as
if
we,
if
we
pursue
any
changes
that
would
impact
the
duties
and
services
agreement
with
our
local
lenders.
Of
course,
they
would
have
the
legal
responsibility
to
engage
their
own
Team
to
review
those
changes,
but
thank
you,
Dee
for
allowing
me
to
clarify.
B
B
If
anyone
else
has
any
questions
or
thoughts,
I
was
just
wanting
to
also
ask
a
quick
clarifying
question,
so
the
deadline
that
Janice
was
wanting
from
us
is
essentially
when
they
should
be
ready,
complete
with
their
viewing
or
reviewing
of
our
changes.
I.
F
Think
so,
and-
and
perhaps
one
suggestion
is
being
that
our
January
meeting
is
going
to
come
on
the
heels
of
the
holidays,
I
would
suggest
that
perhaps
we
look
at
February
for
a
potential
agenda
item
where
we
would
ask
for
for
legal
to
provide
some
information
about
the
duties
of
the
mccf
committee,
and
one
thing
came
to
mind.
I
will
say
too
that
Janice
was
helpful.
She
was
she's
been
here
from
since
the
Inception
of
Mountain
Community
Capital
fund
as
well.
F
So
that's
a
really
helpful
through
line
because
I
myself
was
not
here
when
it
started.
I
was
in
the
department,
but
not
in
this
particular
role.
So
I
appreciate
those
who
have
had
who've
been
there
been
here
since
the
Inception
of
of
the
committee
and
also
of
the
fund,
so
I
would
I
would
offer
like.
F
If
we
want
to
say,
February
would
be
the
time
that
we
would
invite
legal
to
share
their
thoughts
on
the
the
role
of
the
committee
and
just
to
solidify
our
mutual
understanding
of
our
role
as
the
committee
and
then
open
the
hearing
suggestions
on
the
next
steps
for
our
our
other
documents.
If
we
need
to
have
that
also
done
by
February
or
if
there's
any
other
time
timeliness
that
we
need
to
be
aware
of
for
that,
but
that's
that
would
just
be
a
suggestion
that
perhaps
we
could
start
with.
B
I
think
that's
a
great
you
know
from
a
timeline
perspective.
I
can't
imagine
anybody
you
know
having
to
slave
over
these
documents
over
the
holidays,
I
one.
Another
quick
question
is
I,
think
last
time
Carl
and
I.
You
know
we
deliberated
briefly
on
the
trigger
points.
Kind
of
came
back
to
the
group
with
our
conclusion,
which
is
essentially
we're
not
proposing
to
change
the
sugar
points
at
the
moment,
but
that's
kind
of
what
led
into
the
conversation
about
our
broader
role
and
essentially
how
much
legal
Power
Authority
we
have.
B
So
it
sounds
like
as
far
as
actual
changes
or
revisions
to
the
document.
I
know
we've
gone
through
multiple
rounds
of
discussing
and
viewing
it
on.
This
call,
if
that
doesn't
require
much
more
input
from
us,
then,
is
that
something
that
we
could
move
up
even
to
January?
Or
do
you
think
it
might
could
be
a
good
to
kind
of
lump
it
together
for
February
I,
just
hate
for
things
to
keep
dragging
on
and.
F
I
hear
you
and
that's
why
I
think
having
a
deadline
is,
would
help
us
I
would
say
given,
given
that
it's
early,
December
I
would
say
if
we
want
to
name
February
with
our
deadline
and
and
namely
so
what
that
would
mean.
Is
that
because
I
I
want
to
reflect
on
our
past
conversations
as
well,
because
I
know
from
from
our
group,
there's
a
need
to
have
documents
in
advance
so
that
we
make
sure
that
the
committee
is
fully
informed
in
advance
and
so
likely.
F
What
that
would
mean
is
that
we
would
step
that
back.
So
a
mid-January
deadline
would
be
for
the
distribution
of
documents
for
the
team
to
review
so
that
when
we
get
to
our
February
meeting,
we
could
have
a
good
discussion
around
that.
So,
if
that
seems
like
a
a
reasonable
timeline,
then
that's
what
I
can
report
back
to
Legal,
so
I'll
just
put
that
out.
There
I
think
we
don't
necessarily
need
to
take
formal
action.
F
B
Yeah,
so
so,
just
to
recap:
middle
of
January
for
legal
to
finish
their
edits
or
proposals
to
the
documents
get
that
back
to
the
community
to
review
ahead
of
our
February
meeting,
but
also
invite
Janice
to
our
February
meeting.
To
comment
on
from
her
perspective,
what
our
role
is,
as
committee
members,
so
kind
of
bundle
that
up
into
the
February
meeting
any
additional
thoughts
or
questions
or
suggestions
about
on
this
topic.
G
This
is
Matt,
just
I
think
that
timeline
works
and
kind
of
related
to
this
is
you
know
what
bizworks
is
looking
to
also
get
the
kind
of
agreement
in
place
for
the
transferring
you
know
the
funds,
the
mccf
related
funds.
You
know
in
our
own
business
Works
matching
funds
that
we're
committing
through
this
I
know
those
original
construction
documents
of
of
this
is
a
little
unclear
about
how
additional
funders
get
added
and
so
I
think
this.
B
This
you
know
that
timeline
will
also
work
really
well
for
finalizing
those
those
next
steps,
so
we
can
get
those
moving
as
well
perfect.
Well,
thank
you
Matt
for
that
comment,
and
it
sounds
like
that's
a
good
timeline
for
all
so
Nikki.
We
you
I,
I,
take
it
you'll
relay
that
back
to
Janice
and
help
her
to
know
she
has
she
can
sleep
well
over
the
holidays.
B
B
You
know
any
potential
discussion
on
some
questions
with
mountain
bizworks
are
one
of
our
main
lending
partners,
and
this
is
and
to
provide
some
context
flows
from
the
quarterly
update
that
yaslin
put
together
first
last
time
and
I
think
there
were
just
some
numbers
in
there
that
we
just
wanted
some
further
clarification
on
and
then
also
the
more
technical
ins
and
outs
of
how
the
the
arbor
funds
will
actually
move
to
MCC
off.
So
we'll
open
up
the
floor
to
yasleen
and
or
Matt
to
comment
on
those
items.
A
To
start
with,
and
then
I'm
happy
to
fill
in
I'm
a
little
under
the
weather
today
so
but
I'll
do
my
posts,
so
I
can
certainly
share
the
updated
numbers
that
we
created
on
the
report.
A
I
A
I
will
also
share
I
believe
the
quarters
up.
So
if,
if
everyone
is
okay
with
it,
I
can
share
the
updated
report.
As
of
you
know,
towards
the
middle
of
the
month.
A
The
quarterly
report
for
the
end
of
the
year
externally
do
that
as
well
and
sent
that
to
send
that
out
to
the
committee
today
so
I
know
we
had
a
on
the
outstanding
balance
as
far
as
how
much
was
outstanding
on
the
guarantee
portion,
so
I
went
in
there
and
updated
the
added
the
450,
the
original
amount
of
mccf
and
so
I
can
quickly
share
my
screen.
One
second
foreign.
A
All
right
so
you've
got
the
outstanding
loan.
Balance
is
1.4.
A
The
total
came
out
to
be
3
million
on
2.5,
essentially
and
total
dollar
slant
over
the
life
of
the
fund.
1.5,
so
I
did
go
ahead
and
adjust
the
percentage
here
to
be
off.
Percentage
of
the
outstanding
guarantee
amount,
not
the
outstanding
principal
amount
and
I.
Think
really.
That
was
the
biggest
question
there.
B
D
H
H
It
looks
like
you
had
planned
to
go
in
and
confirm
the
maximum
loan
amount,
maximum
guarantee
amount
and
percentage
of
loans
utilized.
It
looks
like
at
a
glance.
Those
are
the
pieces
you
just
covered.
Does
that
sound
right?
Yes,.
B
I
think
this
looks
good
gasoline
if
it
would
be
possible
to
get
a
copy
at
some
point.
Just
for
the
you
know,
I
would
like
to
personally
just
do
a
quick
review
of
it.
A
B
J
Yes,
thank
you
and
I
hope
that
you
feel
better
might
be
a
good
opportunity.
Since
you
know,
we've
got
some
new
faces
on
the
call
Hunter
welcome
to
just
talk
about
how
the
guarantee
relates
to
the
loan
balance
and
kind
of
what
that
means
for
total
funds.
J
G
Sure
I
can
take
that
to
him,
so
through
Mountain
Community
Capital
fund,
the
fund
will
provide
a
loan
guarantee
of
85
percent
up
to
a
maximum
guarantee
of
seventy
thousand
dollars
for
for
any
one
loan.
G
So
you
know
if
the
if
the
loan
amount
is
you
know,
roughly
80,
000
or
below
you
know,
it'll
be
at
the
full
kind
of
85
percent
guarantee
amount,
and
then
you
know
the
higher
it
goes.
The
guarantee,
it's
still
you
know,
will
cover
up
to
the
70
000
Max
guarantee,
but
then
the
percentage
you
know
we'll
go
down
for
the
larger
loans,
and
so
you
can
see
on
the
on
the
numbers
there.
G
You
know
we've
got
about
600
000
currently
in
guarantee,
which
is
you
know,
all
of
the
kind
of
initial
pilot
funds,
plus
the
first
progress
on
the
new
Dogwood
Health
Trust
funds
in
there
as
well,
and
then
going
into
the
next
two
years.
We've
got
significant
capacity
now
through
the
new
commitments
of
the
Arca
funds
via
Mountain
bizworks.
G
To
really
continue
to
to
make
this
transformational,
you
know
facility
in
our
community
going
forward
to
you
know
real.
So
a
lot
a
lot
of
capacity
there,
both
and
we'll
get
to
this
in
just
a
minute.
Both
the
Buncombe
County
and
the
City
of
Asheville
ones
has
a
couple
more
steps
before
we
can
actually
start
fully
utilizing
those,
but
those
are
those
are
those
are
coming
soon
and-
and
are
you
know
so
we'll
we'll
be
fully
available
here
here
shortly.
B
J
I
would
just
chime
in
real,
quick
and
I,
see
Dee
as
well
I
apologize,
but
just
to
say
it
another
way
that
guarantee
amount
is
about
three
million
dollars,
which
is
85
percent
of
the
total
loans
that
we
could
on
Guarantee
again,
so
the
total
loan
amount
will
be
larger
than
our
guarantee
amount,
which
is
3
million,
so
I
don't
have
that
math
handy,
but
maybe
3.5
million
dollars
in
total
loans
possible
with
an
85
guarantee.
J
Yes,
so
just
wanted
to
make
sure
everyone
had
that
in
particular
Hunter
since
I
know
this
is
your
person.
C
Thank
you
for
recognizing
me,
I
guess
goes
back
to
just
I'm
kind
of
at
a
disadvantage
visually
here
with
what
I've
got
going
on
and
but
appreciate.
We
get
these
documents
ahead
of
the
meeting
so
that
we
can
really
look
at
them
and
peruse
them
and
just
be
more
responsible
and
responsive
board
members.
If
you
will
I'd
appreciate
it.
Thank
you.
B
Thank
you,
Dee
Elise
appreciate
it,
but
yes,
we
if
we
can
get
that
distributed
post,
meaning
that
would
be
helpful
and
then
just
one
like
last
little
detail,
Tim
to
add,
since
we're
talking
through
and
all
the
how
the
numbers
work
together,
something
that
is
very
basic
but
I
kind
of
had
to
recently
a
little
eyeball
moment.
B
It
was,
you
know,
obviously,
as
the
loans
are
made,
the
it's
the
full
principal
amount
and
then
what
we
have
the
amount
of
our
guarantee,
but
as
those
loans
get
repaid
back
some
of
those
numbers
change,
you
know
quarter
quarter
as
the
lowest
can
be
paid
back,
and
so,
if
we
don't
have
any
defaults,
then
ideally
the
the
what
will
happen
over
time.
You
know
as
we're
lending
out,
but
loans
are
getting
repaid.
Is
that
that
amount?
B
C
One
moment
but
I'm
sorry
I,
neglected
to
also
ask
does
that
chart
reflect
how
many
of
those
loans
are
in,
like
a
state
of
suspension
for
principal
and
interest
payments,
because
generally
the
policy
is
to
give
them
I,
guess
a
chance
to
accumulate
some
class
cash
flow
or
acclimate
or
whatever.
Does
it
reflect
that?
How
many
of
them
are
are
in
a
stage
of
just
six
months
of
moratorium
or
whatever,
and
the
amounts.
G
It
it
includes
any
of
the
loans
that
are
delinquent
more
than
30
days.
It
does
not
reflect
you
know
some.
Some
loans
will
have
the.
As
you
know,
an
interest-only
period
where
they're
making
interest-only
payments
for
three
months
six
months
it
can
vary
depending
on
the
type
of
project
or
it.
In
some
cases
there
could
be
even
an
initial
kind
of
three
months
of
no
payments.
G
You
know
so
yeah
so
that
that's
not
reflected
in
here
and
that
can
vary
from
you
know,
depending
on
the
the
specific
loans
there,
but
it
does.
It
does
reflect
the
the
performance
of
the
of
the
portfolio,
that's
supported
by
about
Community
Capital
fund
and
at
the
moment
we've
got
34
active
loans
and
two
of
those
are
delinquent
more
than
30
days
at
the
moment,
both
to
the
to
the
same
entity.
C
I
I
guess
I
mean
I'm
not
asking
about
the
delinquences
I
already
know
what
those
are.
They
haven't
changed,
I
guess
I'm,
just
trying
to
look
at
the
overall
performance
and
I
guess
if
you've
enacted
a
moratorium
on
receipt,
a
principal
and
interest
or
anything
at
all,
I'm,
just
interested
too
and
and
What
stages.
These
loans
are,
and
generally
will
be,
the
newer
loans
is
that
right
and.
G
Yes,
yes,
a
lot
of
the
newer
loans.
There's
a
there'll
be
an
interest-only
period.
You
know
as
they
take
the
the
loans
put,
the
you
know,
put
their
project
to
work
and
build
up
the
cash
flow.
To
really
be
able
to,
you
know,
start
fully
repaying
on
the
loan,
so
there
can
be
that
you
know
that
window
of
there
to
give
them
some
flexibility,
and
you
know
that
that's
pretty
you
know
pretty
standard,
and
so
and
so
those
those
phases
are
not.
G
You
know
what
we
call
the
interest
only
phase
and
then
it
goes
into
kind
of
a
full.
You
know
Amber
amortized
principle
and
interest
repayment
phase
after
after
that
for
the
balance
of
the
loan.
G
Those
are
you
know
set
at
the
you
know,
they're
part
of
the
loan
agreement.
You
know
so
so
when
people
are
performing,
you
know,
according
to
the
loan
agreement,
those
are
still
current.
You
know,
then
there
could
be
other
situations
where
someone
runs
into
yeah.
They
had
a
big
contract
fall
through
or
something
in
the
real
cash
flow
shortage
and
we'll
have
to
go
through
and
do
a
modification
or
a
restructure
and
that's
kind
of
a
separate.
You
know
thing
that
occasionally
comes
up
as
well.
G
C
I
apologize
for
that
clock,
turning
I'm,
sorry
I
have
another
question
and
then
I'll
cease.
Those
two
laws
that
are
in
default
are
those
both
refinances
I.
Think
I've,
asked
and
I
kind
of
already
knew
the
answer
to
the
question
from
and
I'm
looking
at
it
from
an
Actuarial
standpoint
where
both
of
those
refinances
of
existing
debt.
G
One
of
them
did
include
as
part
of
the
loan
purpose.
A
partial
part
of
the
loan
was
a
refinance
of
existing
that
that
was
actually
mostly
just
because
of
a
timing
issue.
In
that
you
know
it
was
we're
expecting
that
to
go
in
the
Mountain
Community
Capital
fund.
G
There
was
some
delays
in
getting
the
funds
open,
so
we
ended
up
funding
the
loan
a
few
weeks
you
know
had
a
smaller
amount
before
and
then
once
the
fund
got
fully
open,
we
we
finished
up
the
project,
so
it
was
always
intended
to
be
in
the
ncgcf
from
the
beginning,
but
there
was
a
small
amount
of
that.
That
was,
that
was
refinanced
and
the
second
one
was
just
new
loan
Capital.
So
no
no
refinance
in
the
second
round
of
funding.
C
One
was
funded
to
supplant
funding
that
was
made
before
the
mccf
funds
could
come
in
I,
guess
I'm,
just
looking
at
it
trying
to
be
more
just
specific
about
what
did
happen
and
I'm
pretty
analytical
about
what
did
happen.
Are
we
looking
both
really
are
refinances
of
existing
debt.
G
Second
one
was:
we
increased
the
they
had
a
new,
a
new
opportunity.
We
gave
them
new
new
capital,
so
it
was
100
new
capital,
no
refinance
there.
Okay,
yeah
and
the
you
know,
I
I
think
you
know
in
in
programs
like
this
I.
Don't
think
we
have
this
in
our
our
you
know
our
documents.
It
might
be
a
good,
a
good
thing
to
consider,
but
like
in
typical
SBA
guarantee
programs
or
other.
G
You
know
what
loan
credit
enhancement
programs
they'll
have
a
provision
that
you
know
participating
lenders
will
not
enroll
any
loans
in
the
program
solely
for
the
benefit
of
getting.
You
know
the
additional
credit
enhancement,
so
we
wouldn't
take.
You
know
a
loan,
that's
not
performing
or
whatever,
and
and
move
it
in
into
the
facility
just
to
get
that
is
you
know
we
only
be
doing
it.
G
You
know
in
those
opportunities
where
it's
to
the
borrowers,
you
know
it's
helping
the
bar
make
the
next
step,
and-
and
you
know
there
could
be
some
refinance
of
an
existing
amount,
but
it's
helping
as
that
businesses.
Business
grows.
So
I
think
that
might
be
something
for
us
to
look
at.
We've
got
some
model
language
around
that
just
to
make
sure
that's
that's
clear
that
any
participating
lenders
would
not
be
using
the
facility
in
that
manner.
B
Foreign,
thank
you
for
your
thorough
responses.
There
Matt
and
I
appreciate
your
questions
D
and
the
due
diligence
that
you
offer
this
committee
and
these
reports
so
I
think
we
definitely
welcome
those
and
I
I
certainly
have
learned
a
good
amount,
just
around
Matt's
comments
just
now.
So
if
there
are
no
other
comments
or
questions
from
these
follow-up
items
to
last
month's
meeting,
we
can
proceed.
Fourth
and
tap
Matt
share
again
on
well,
actually
yeah,
so
that
we
I
don't
think
we
touched
on
your
part
of
it.
H
I
thought
I
might
tee
you
up
Matt,
because
I
was
responsible
for
leaving
leaving
off
this
topic
at
the
last
meeting.
E
H
We
know
how
the
basic
fund
works
and
we've
just
reminded
ourselves
of
the
the
funds
that
sit
and
are
available
to
be
used
as
guarantee
when
we
got
the
additional
Grant
funds
not
long
ago
from
Dogwood
Health
Trust.
That
guarantee
amount
increased
once
Karen
and
others
at
self-help
who
hold
the
who
hold.
The
fund
negotiated
the
grant
agreement
that
that
fund
increased
by
four
hundred
and
fifty
thousand
dollars
the
size
of
the
grant.
H
All
at
once,
I
had
been
thinking
that,
when
Buncombe
County,
government
and
city
of
Asheville
also
made
increases
to
Mountain
Community
Capital
fund
through
our
arpa
dollars
that
the
same
thing
would
happen,
and
it's
not
that
simple,
because
these
federal
dollars
have
to
be
expended
fully
spent
within
a
certain
time
frame
and
so
using
the
federal
dollars
that
then
have
that
timeline
to
to
serve
as
the
guarantee
funds
actually
doesn't.
Allow
us
to
make
that
expenditure.
H
So
we
leaned
heavily
on
the
creativity
and
and
want
to
just
expressed
gratitude
to
the
mountain
Biz
Works
team
for
and
self-help
folks
for
helping
us
strategize
about
how
to
still
have
those
funds
accomplish
the
goals
that
were
that
are
intended,
while
also
complying
with
the
requirements
that
come
along
with
those
federal
dollars
and
I
stopped
short.
Last
meeting
of
explaining
it
myself,
because
it's
sort
of
it's
it's
on
the
edge
of
my
ability
to
expertly
convey
so
I'm
glad
that
you're
here
Matt
to
do
that.
G
Thanks
Rachel
very
much
for
that
setup,
so
yeah!
So
exactly
as
Rachel
was
saying
so,
we've
we've
received
the
Buncombe
County
arpa
awards
that
one's
that
one's
under
contract
and
then
the
city
also
made
an
additional
matching
commitment
to
the
overall
program
growth,
which
is
terrific.
G
We
just
had
our
pre-contract
meeting
with
the
city
this
week
and
understand
we'll
actually
see
a
contract
in
the
next
couple
weeks,
so
hopefully,
by
the
end
of
the
year,
we'll
have
all
that
put
together
so
we'll
have
both
of
those
in
hand
and
ready
to
move
move
forward,
but
both
both
are
going
to
work,
the
same
way
where
the
Founders
works
as
receiving
the
Arca
funds.
G
And
then,
as
we
make
mccf
eligible
loans,
say,
say:
there's
a
ten
thousand
dollar
loan
just
for
easy
math
that
we
that
we
approve
that's
mccf
eligible
and
gets
enrolled
in
the
nccf
program.
At
the
time
of
loan.
Closing
we
will,
in
addition
to
funding
the
loan
we
will
also
fund.
G
The
collateral
support
piece
to
nccf
will
expense
that
to
nccf
as
a
permanent
expense
to
to
the
fund
that
will
allow
it
to
be
enrolled
in
the
in
the
fund.
So
essentially,
as
we
make
the
as
we
make
those
eligible
loans,
we
will
be
incurring
those
expenses
and
sending
the
guarantee
portion
to
the
NCC
at
lots
of
self-help,
and
you
know,
along
with
the
one
percent
guarantee
fee
as
as
well,
so
that's
how
those
funds
will
draw
down-
and
you
know,
there'll
be
two
pots:
there'll
be
a
bunco
County.
G
You
know
the
segment
and
then
there'll
be
a
city
of
Asheville
segment.
You
know
we're
gonna
be
hoping.
You
know.
The
plan
will
be
to
deploy
both
of
those.
You
know
as
quickly
as
we
can
and
kind
of
draw
them
down
into
kind
of
a
similar,
similar
way,
we'll
probably
prioritize
projects
that
are
in
Asheville
towards
the
actual
funds
and
ones
that
are
outside
of
Asheville,
but
in
the
county
through
the
county
funds.
G
But
you
know
I
know
they're
all
they're
all
eligible
as
long
as
they're
in
Bunker
County
the
amounts.
Yes,
we
do
so
from
the
county.
We
have
1.15
million
in
support
for
nccf
and
then
1
million
in
the
City
contract.
G
Oh
we're
awaiting
that
final
final
contract
there,
but
and
those
are
listed
on
that
table
report
as
well
that
that
yaslin
shared
earlier
so
that's
I-
think
it's
important
yeah
I
want
to
stress
that
the
how
the
fund
operates,
how
the
fund,
but
there's
no
change
to
how
the
funds
you
know,
sorry
what
loans
get
approved
and
any
of
those
sorts
of
things.
G
That's
all
the
exact
that
all
happened,
the
exact
same
way
it's
just
once
those
loans
are
approved
and
then
closed
at
the
time
of
closing
or
funding
the
loans
is
when
we'll
distribute
disperse
the
funds,
the
guarantee
portion
of
the
funds
to
nccf
and
then
they'll,
be
there
in
perpetuity.
You
know
for
to
revolve
and
be
there
for
for
future
use.
B
Thank
you,
Matt
I
do
have
a
couple
of
follow-up
questions,
so
it
sounds
like
again
some
creative
sort
of
accounting
that's
happening
there,
which
is.
You
know
great.
Thank
you
for
stepping
up
to
help
facilitate
that.
My
question
is
that
since
we've
you
we've
come
up
with
that
flow.
That
structure.
Are
we
not
under
sort
of
the
federal
timeline
anymore
on
you
know
like
using
down
those
funds
like
that
distribute
kind
of
time.
You
know
like
how
much
time
do
we
have
essentially
great.
G
Question
we
are
still
under
the
arpa
timeline,
so
they
have
funds
have
to
be
fully
expended
or
committed
by
the
end
of
2026..
G
So
that's
that's
the
kind
Horizon
to
spin,
both
the
the
Buncombe
County
and
the
City
of
Asheville
Awards.
So
roughly
roughly
three
years.
We
hope
to
do
it
a
little
quicker
than
that
yeah.
H
G
Because
the
the
federal
regs
are
very
clear,
like
you
know
that
that
we've
got
to
show
those
expenditures
as
the
impacts
being
happened
as
we're
funding
the
funding
alone,
we
couldn't
just
do
it
one
time,
that's
what
we
hope
to
do
at
first
and
then,
once
the
guidelines
came
out,
we
figured
we
had
to.
We
had
to
restructure
it,
and
so
that
this
is
the
structure
that
ensures
we
stay
compliant
with
the
federal
guidance
on
this.
G
Any
unspent
amounts
go
back
to
the
city
county
and
then
probably
back
to
the
to
the
FED
to
federal
government.
G
We
have
a
good
incentive
to
try
to
get
get
these
funds
deployed,
committed
and
yeah
benefiting
benefiting.
G
Yeah,
we
still
have
the
full.
This
new
money
has
not
been
none
of
it's
really
been
deployed
yet
so
we've
got
that
full
full
amount
to
utilize
as
we
get
into
the
new
year,
so
we're
waiting
to
get
the
city
contract
and
then
we're
hoping
to
have
kind
of
one.
G
Then
agreement
that
kind
of
governs
all
these
funds
with
self-help-
and
you
know
with
nccf
in
place
right
right
after
that
and
so
it'll
be
some
always
have
to
get
our
legal
with
I,
don't
know
if
it
self-help's
legal
or
Nikki
or
yeah,
but
figure
out.
You
know
who
the
entity
is
and
just
make
sure
we've
got
that
set
up
correctly.
B
Thank
you
any
other
questions
or
thoughts
for
Matt
taking
time
out
of
his
day
to
join
us
this
morning.
J
I
have
a
an
item
and
it
can
wait
until
later,
but
I'd
like
to
make
sure
that,
because
we've
got
a
few
cdfis
on
the
call
and
so
I'd
like
to
have
kind
of
a
discussion
with
them
before
they
all
go
to
their
next
meetings.
And
we
can
do
that
at
the
very
end.
But
I
just
wanted
to
ask
Karen
Matt
Anya
to
just
hang
out.
If
you
can.
Until
the
end.
H
The
other
item
for
Matt
was
very
often
yes,
lean
mentions
Catalyst
fund
during
loan
guarantee
presentations,
and
so
we
were
hoping
that
would
also
be
included
in
the
mpw
update
today
that
just
how
that
works.
B
B
Would
that
be
all
right
Tim,
because
I
think
you
were
requesting
the
cdfis
too
stay
so
we'll
just
fill
in
Frankston
yeah,
perfect!
Thank
you
so
back
to
you,
Matt.
G
So
the
Multicultural
Catalyst
fund
is
a
a
specific
loan
product
that
we
have
here.
That
was
really
created
to
kind
of
maximize
the
benefit
of
the
Mountain
Community
Capital
fund.
G
So
the
amount
Community
Capital
fund
is
there
to
you
know,
meet
some
specific
Capital
gaps
around
a
low
income
and
entrepreneurs
of
color
in
our
community
that
often
have
less
collateral
and
personal
ability
to
put
funds
into
into
a
business
and
to
might
struggle
to
get
the
amount
of
capital
that
they
need,
and
so
you
know
we
did
I.
Think
you
know.
G
Part
of
our
commitment
to
these
funds
is
not
just
to
use
them
for
kind
of
the
same
old
stuff,
but
really
to
use
it
to
expand
the
credit
box,
use
it
to
expand
access
to
the
bio
Capital
needed
to
start
and
grow
small
businesses.
So
we
established
one
one
of
our
products,
doing
that
is
the
Multicultural
Catalyst
fund
or
Catalyst
fund
for
short,
which
is
specifically
aimed
on
addressing
a
lot
of
the
barriers
of
very
low
income
and
entrepreneurs
of
color.
G
You
know
typically
face
around
Capital
Access
we've
got
a
a
if
you
go
to
our
website
under
the
get
funding
section
of
the
site,
there's
a
page
that
really
outlines
cat
all
the
Catalyst
details
up
I'd
point
you
there
for
kind
of
the
full
full
information
and
there's
a
nice
video
on
there
as
well.
It
gives
a
little
background
on
it,
but
you
know
in
general,
these
are
ones
that
allow
us
to
be
more
flexible
around
collateral
requirements.
There's
no
there's
no
minimum
credit
score.
G
There's
a
number
of
flexibilities.
There's
that,
as
we
talked
about
earlier,
most
of
the
loans
will
have
three
to
six
months
of
interest,
only
so
a
patient
period
to
allow
them
to
build
up
the
a
a
very
affordable
interest
rate.
So
right
now
those
are
at
five
percent
fixed
interest,
so
you
know
very,
very
accessible
and,
and
you
know,
we
think
you
just
yeah
it's
a
great,
very
founder,
friendly
and
so
other,
and
then
it
comes
with
integrated
technical
assistance
and
other
things
as
well.
G
Just
to
you
know
help
those
borrowers
have
the
the
resources
they
need
to
to
Really
find
success,
so
I
mean
that's,
that's
the
the
over.
You
know
the
kind
of
overall
program,
and
we
you
know
it's
really
that's
where
actually
a
lot
of
the
major,
almost
all
of
the
loans
that
we've
enrolled
in
in
Mountain
Community
Capital
fund
have
come
through
that
through
that
program,
so
it
started
with
a
maximum
loan
size
of
50
000
we've
increased
that
to
a
hundred
thousand
and
moving
into
next
year's.
G
You
know:
we've
got
some
other
things
in
the
pipeline
that
there
may
be
some
kind
of
other
products
that
also
you
know,
help
meet
some
specific
needs
in
the
community
that
are
kind
of
like
catalysts.
B
B
We
appreciate
that
yeah,
so
I
guess
my
question
is
again
kind
of
wraps
all
this
together,
given
that
we're
on
under
this
sort
of
three-year
timeline,
with
this
large
amount
of
funding
and
you
already
having
that
mcf
and
potentially
have
some
other
programs
in
the
pipeline.
What
are
you
all
doing
on
the
Mountain
business
front
and
then
what
can
we
do
on
our
end,
to
sort
of
get
the
word
out
and
not
only
make
the
impact
that
we
want
to
make
but
ensure
that
those
funds
are
deployed
within
the
three
years.
G
That's
a
great
yeah,
great
question:
we're
seeing
you
know
very
strong
loan
demand
through
this
and
growing
and
I.
Think
you
know
it's
it.
We
want
to
build
on
that
momentum.
You
know
continue
to
share
the
the
positive
stories
that
are
coming
out
of
this,
which
you
know
helps
you
know
more
people
realize
that
these
that
this
resources
available
and
how
to
use
it
would
be
would
be
fantastic
and
I.
Think
our
you
know
we'll
we
we,
you
know
we
could
come
close
to
fully
utilizing.
G
You
know
the
the
additional
funds
just
with
our
current
product,
but
we
we
do
see
several
you
know
some
other
gaps
in
the
community
as
well
like
around
owner
occupied
commercial
real
estate
is,
is
one
that
we're
working
on
some
things,
which
I
think
could
be
very
impactful
for
supporting
small
businesses
and
wealth
creation
and
a
number
of
things
there
and
then
also
we're.
G
You
know
we're
just
at
the
beginning
of
you
know
what
folks
are
calling
the
silver
tsunami
where
we've
got
you
know
more
than
more
than
half
of
our
businesses
in
our
region
are
now
owned
by
people
55
years
and
older,
and
that
are
looking
to
transition
those
to
new
ownership
in
the
next
10
years,
and
so
there's
a
real
opportunity.
G
There's
a
financing
will
play
a
role
in
a
lot
of
those
Transitions
and-
and
we
see
this
as
a
real
great
opportunity
for
maintaining
those
businesses
in
our
community
keeping
those
jobs,
but
also
you
know,
gives
opportunities
for
others
to
get
into
business
by
purchasing
a
business
which
can
be
a
lot.
You
know
a
lot
lower
risk
than
going
through.
All
the
you
know,
efforts
of
starting
up
something
from
from
scratch.
You
can
go
ahead
and
purchase
something
that's
already
working
and
breaking
even
and
whatnot.
G
So
those
are
just
a
couple
examples
of
I
think
additional
areas
that
these
new
funds
could
really
help.
Help
unlock
for
us,
which
is
exciting.
G
Yeah
I
think
around
sharing
that
this
you
know
collaboration
on
on
how
we
can
make
sure
that
everyone
in
our
community
knows
that
this
is
here
that
you
know
that
could
benefit
from
it.
So
any
any
thoughts
on
on
that.
You
know
like
we
work
hard
on
that,
but
we
all
have
you
know
fantastic
relationships
and
lots
of
different
conversations,
so
guidance
on
that.
G
As
you
see,
other
opportunities
or
hear
of
other
opportunities
as
well
like
I,
had
a
coffee
with
with
Nikki,
and
she
was
talking
about
public
Contracting
and
procurement
and
that's
another
area
where
financing
can
really
help
and
I
think
you
know
these
These
funds
could
help
more
folks
be
able
to
cash
flow,
larger
government
contracts,
and
things
like
that,
so
any
of
those
sorts
of
things
as
well
I
think,
would
be
great
and
helpful.
You
know
for
that
ourselves
and
other
in
the
other
participating
lenders.
F
And
we'll
just
I'll
just
do
a
quick
shout
out
to
Frank
because
he's
leading
up
the
city's
efforts
around
a
disparity
study
to
look
at
our
the
city's
Contracting
and
procurement.
Frank
I!
F
Don't
know
if
you
want
to
jump
in
here,
but
you
know,
hopefully
in
the
with
the
fruition
of
this
disparity
study,
to
really
see
how
the
city's
dollars
are
spent,
in
particular
on
our
businesses
of
color
in
our
community,
to
really
better
understand
what
what
barriers
that
might
be
faced
by
by
by
people
in
our
community,
but
also
how
we
can
address
those.
F
So
it's
a
really
great
time
to
kind
of
knit
these
activities
together
and
really
see
how
we
can
help
support
our
local
community
so
excited
about
these
opportunities
that
we're
working
toward
and
and
really
wanting
to
highlight
just
the
the
opportunity
to
knit
these
things
together
and
really
work
strategically
and
and
help
help
lift
our
community
up.
So
thanks,
Matt
yeah.
G
And
one
other
thing
I'll
shares
we
recently
went
to
our
national
cdfi
conference
and
we're
sharing
and
yeah
this.
This
program
is
like
the
Envy
of
so
many
communities.
That
is,
it's
there's
somebody
that
you're
going
to
want
to
come
and
study
it
and
see
how
they
can
do
something
similar,
so
I
think
it's
just
a
testament
to
the
the
power
of
the
the
partnership
and
and
the
collaboration
that
has
made
this
possible.
B
B
B
You
know
awesome
well,
thank
you
again,
Matt
for
taking
time
to
help
refresh
Us
in
some
ways
you
know
Enlighten
us
on
just
all
the
cool
things
that
are
happening
at
Mount.
This
works
in
the
ways
that
you're
utilizing
the
mctf
funds
plans
that
you
have
for
the
future.
You
guys
are
doing
a
great
job.
We
really
appreciate
our
partnership
with
you,
so
thank
you
for
being
here
today
gives
me
at
least
a
just
a
great
sense
of
confidence
that
you
know
we
are
making
an
impact
through
through
members
work.
B
So
thank
you
at
this
time.
Let's
see
we
are
coming
up
on
some
time,
so
we
do
have
a
few
more
agenda
items
Tim
real
quick!
Are
you
all
right
if
we
also
hold
off
on
I,
think
you
had
some
thought
or
follow-up
question
that
you
wanted
to
involve
the
CDF
eyes
which
Matt
we
would
have
to
stay
on
for
10
months
to
just
that
in
a
bit,
but
we
do
have
two
other
agent
items
before
we
get
to
that.
B
So
with
that,
we
will
move
on
to
a
quick
introduction
from
Hunter
our
newest
Committee
Member
welcome
Hunter
I
know
you
came
on
just
a
little
bit
late
after
our
roll
call,
and
so,
if
you
can
just
introduce
to
us
who
you
are
whether
you
are
city
or
county
appointee,
whether
you
are
a
voting
member
and
then
just
a
little
bit
of
background
information
on
you.
That
would
be
appreciated.
L
Good
morning,
everyone,
my
name,
is
Hunter
Gooseman
I
am
the
executive
director
of
the
education
research
Consortium
another
non-profit
here
in
Asheville
and
I
am
a
county
appointee
to
this
group
in
a
former
lifetime,
I
was
a
banker,
so
I
have
some
experience
there
with
regards
to
Lending,
but
also
in
my
present
role
as
executive
director,
I've
been
with
the
ERC,
for
this
is
my
18th
year
with
the
ERC
and
have
been
involved
in
technical
support
and
Broadband
around
the
region
for
all
of
those
to
all
of
those
years,
and
my
role
is
evolving
and
growing
now
and
this
opportunity
for
to
serve
on
this
board
is
one
of
those
opportunities
for
me
not
associated
with
my
job
per
se.
L
But
just
in
my
role
as
a
community
advocate,
does
that
support.
B
B
L
Some
of
my
a
couple
of
my
pictures
have
one
has
won
a
competition
and
I've
received
some
other
very
favorable
comments
and
gotten
some
honorable
mentions,
but
only
one
has
actually
won
a
contest,
but
I'm
very
proud
of
that
one.
It's
actually
a
sports
photo
I
took
of
my
son
over
it
Long
County,
Sports,
Park
and
and
as
in
the
morning
when
there
was
a
lot
of
fog
on
the
ground
and
the
sun
was
burning,
the
fall
Golf
and
it
came.
B
L
B
B
Thank
you
yasleen,
so
I
think
we've
gone
through
all
of
our
agenda
items.
So
if
there
are
no
other
comments
on
those,
we
can
turn
at
this
time
to
you.
Tim.
J
Great
and
I
will
be
brief,
so
we
can
get
out
of
here,
but
since
we
have
the
cdfis
on
the
call
Tara,
Anya,
others
and
Tara
I
think
this
will
be
interesting
related
to
the
reparations
IFA
as
well.
But
our
team
here
has
been
looking
at
PPP
loans,
and
so
this
is
in
an
mccf
topic,
but
it's
related
right
because
it's
small
business
and
I've
mentioned
this
briefly
with
Matt,
but
we're
seeing
that
loan
forgiveness
for
PPP
loans
isn't
being
universally
kind
of
accepted.
J
So
there's
a
lot
of
lenders
that
have
done
a
really
good
job
on
loan
forgiveness,
Matt
I
think
has
forgiven
approximately
a
thousand
loans
out
of
a
thousand
loans
issued,
which
is
great.
However,
it
seems
like
there's
untapped
forgiveness
out
there
and
I
I,
don't
know
if
it
there's.
Actually,
this
is
all
publicly
available.
Data
I'd
be
glad
to
bring
our
team
in
to
the
next
meeting.
J
All
of
that,
we
need
to
figure
out
a
strategy
to
get
the
word
out
to
either
the
individuals
or
the
lenders
themselves
to
forgive
some
of
these
loans,
because
there's
thousands
that
are
sitting
out
there
just
for
Buncombe
County
and,
as
you
could
probably
guess,
and
ascertain,
there's
disparities
based
on
race
in
the
data,
so
I
wanted
to
throw
that
out.
J
There
offer
to
bring
our
team
to
the
next
meeting
if
we
wanted
to
present
some
data
but
really
brainstorm
it
either
in
this
group
or
outside
of
this
group,
to
figure
out
how
we
get
to
some
of
those
other
lenders
who
may
be
big
small
and
not
on
this
call
to
get
the
word
out
on
forgiveness.
So
that's
my
my
quick
nugget
malware
I'd
ask
you
do
you
feel
like
this
is
something
we
want
to
talk
about
in
a
future
meeting,
or
should
we
break
it
off
into
something
separate,
I'm
agreeable
either
way.
B
Thank
you,
Tim
I
think
you're
right
that
it
is
not
necessarily,
you
know
at
the
core
function
of
our
committee,
but
given
that
it's
kind
of
same
constituency
that
we
are
surveying
that
it's
definitely
worth
it
for
us
here
to
be
aware
of,
especially
you
know
again,
like
me,
I'm,
not
in
the
day
in
day
out
of
the
data
and
so
I
think
even
just
for
an
educational
moment
would
be
helpful.
I'm,
not
sure
if
we
need
to
do
that
on
our
monthly
call.
You
know
that
is
publicly
recorded.
I
Thank
you,
Tim
for
bringing
up
this
issue
and
I
don't
want
to
give
you
a
work
assignment,
but
I
know.
At
one
point,
you
had
organized
a
group
of
people
working
on
equity
and
small
business
to
talk
about
this,
and
not
this
particular
PPP
issue,
but
just
in
general,
black
entrepreneurship
and
other
issues.
Since
you
know
we're
all
working
on
disparities
in
small
business
in
the
region
and
I.
Think
at
one
point
we
thought
well,
maybe
spark
tank
is
already.
I
You
know,
convening
different
small
business
service
providers,
but
maybe
with
you
know,
reparations
happening
now,
as
you
brought
up
in
different
I,
don't
know,
maybe
it's
time
to
just
have
another
one
of
those
meetings.
I
I,
don't
know
if
you
want
to
speak
to
why
you
did
that
and
maybe
why
it
isn't
happening
anymore.
But
maybe
you
know
this
is
one
particular
issue
that
we
that
we
want
to
bring
up
to
work
on
together.
J
Eric
I
think
that's
a
great
idea,
Tara
And
for
those
on
the
group.
Everyone
would
be
welcome
to
attend.
It
was
meant
to
just
connect
some
of
our
folks
in
the
small
business
space,
there's
a
lot
of
good
work,
and
sometimes
it's
synced,
and
sometimes
it's
not
and
that's,
okay.
J
G
I
just
want
to
say
thanks
for
raising
this
top
topic,
Tim
I
think
it's
it's
really
important
and
we,
you
know
at
bizworks,
I
think
we've
we've
had
our
team
here
has
done
a
great
great
job
on
on
this
front.
You
know,
like
you
mentioned,
we
did
a
1024
PPP
loans
and
a
thousand
and
twenty
of
those
have
been
forgiven
thus
far
and
the
other
four
are
just
we're.
Trying
to
get
the
information
to
help
those
folks
get
forgiven.
So
I
think
you
know
I
think
they
will
too.
G
You
know
we'd
be
happy
to
you
know,
sign
on.
If
there
was
some
sort
of
you
know
letter
to
those
other
lenders,
you
know
around
like
hey,
you
know
this
is.
This
is
a
an
issue
that
is
concerning
to
us
right,
and
you
know
a
lot
of
PVP
lenders
have
two:
this
might
be
getting
too
much
in
the
weeds,
but
had
two
kind
of
Pathways
to
process
forgiveness.
They
could
either
do
it
themselves
like
work
with
their
borrowers.
G
Take
the
help
their
borrowers
navigate
the
Forgiveness
process,
or
they
could
essentially
Outsource
everything
to
the
SBA
and
just
send
the
SBA
Portal
information
directly
to
their
borrowers.
We,
we
elected
to
do
the
former
one
to
provide
the
additional
technical
assistance
to
our
folks
to
help
them
navigate
the
process.
I
wouldn't
be
surprised
if
some
of
the
ones
that
are
having
issues,
because
we've
heard
we've
heard
this-
has
been
kind
of
complex
and
confusing.
G
If
they
went
direct
to
the
portal,
didn't
really
know
what
they
had
to
put
in
there
and
and
didn't
have
folks
kind
of
reminding
them
about
the
deadlines
and
those
sort,
those
sorts
of
things.
So
if
we
could
help
provide
any
guidance
for
technical
assistance
or
some
of
the
other,
when
vendors
would
be
happy
to
happy
to
help
in
that
way,.
E
Yeah,
we
also
did
a
lot
of
PPP
loans
about
2800
and
same
experience.
I
think
you
know,
we've
had
other
borrowers
come
to
us
who
used
other
lenders
to
help
them
with
forgiveness,
but
there's
only
so
much
that
we
can
do
with
that
depending
upon
the
lender,
and
so
I
think
that
we
need
to
be
realistic.
I
mean,
as
we
talk
about
this
about,
like
what
Outreach
we
could
possibly
do,
and
the
other
piece
is
that
we
had
a
third
of
our
borrowers
who
just
never
even
responded
to
us
like
like
Matt.
E
We
also
went
the
former
route
and
worked
directly
with
our
borrowers
to
help
them
through
the
process
and,
despite
like
lots
of
different
Outreach
emails
phone
calls
letters
it
took.
It
took
a
ton
of
work
just
to
get
a
third
of
our
borrowers
to
just
respond,
and
sometimes
it
took.
Finally
the
letter
saying
you're
gonna
have
to
repay
this.
It's
it's
you
know,
and
then
they
responded.
So
you
know
I
think
it's
probably
a
mix
of.
Definitely
there
are
lenders
out
there
who
are
not
working
with
the
borrowers
but
I
think
just
it'll.
J
Thanks
for
that
y'all,
so
what
I'll
do
I'll
I'll
see
if
I
can
schedule
something?
Maybe
we
can
get
it
in
in
December
or
early
January
to
discuss
and
we'll
see,
what's
possible
and
then
Maui
I'm
glad
to
bring
our
folks
to
provide
a
summary.
You
know
once
we're
done
just
so.
Everyone
can
see
kind
of
what
the
data
we're
dealing
with
I
think
it's
important
concepts
for
this
committee
as
we
move
forward
so.
B
I
agree,
thank
you.
Tim
I
also
just
wanted
to
mention
that
what
I
would
be
interested
to
see
is,
if
some
of
those
barriers
that
you
see
from
your
studies,
if
they
may
also
be
some
potential
barriers
that
would
prevent
folks
from
accessing
mccf
funds.
B
You
know
like,
if
is
it
technical
assistance
is,
is
that
a
main
you
know
like
just
getting
Gathering
documents
following
through
with
getting
everything
in
order
like
I'd,
be
really
interested
to
see
what
kind
of
the
common
threads
are
that
not
only
helps
on
that
front,
but
perhaps
more
help
us
to
be
more
effective
in
reaching
folks
again,
that's
right
through
your
timeline,
because
sometimes
maybe
people
know
they
know
that
there's
forgiveness.
B
K
Yeah,
thank
you
very
much.
I
was
in
that
previous
meeting.
My
name
is
Vania
and
I.
Work
for
wwpc
as
a
business
consultant.
I
provide
technical
assistance
that
mainly
to
Hispanic
community
and
I,
am
very
happy
to
be
here
and
glad
to
collaborating
any
way
possible
and
provide
any
information
that
I
am
very
new
in
the
position.
I
started
on
October
and
I
am
still
getting
familiar
with
all
the
processes
and
everything
but
yeah
I
I'm
gonna,
be
here
every
month
and
yeah
and
after
as
I
said
happy
to
collaborating
anyways.
B
B
Great,
thank
you
so
I
think
we've
gone
through
all
our
agenda
items.
Everybody
I!
Thank
you
all
for
your
participation
for
your
engagement.
I
know
it's
a
busy
time
of
year,
but
you
know
we
all
made
time
out
of
our
day
to
be
here
so
I'm
grateful
for
that.
I
just
wish
everybody
a
very
happy
holiday
season
and
I
look
forward
to
collaborating
some
more
together
in
the
new
year.