HOUSING OPPORTUNITIES COMMISSION OF MONTGOMERY COUNTY

                                                             10400 Detrick Avenue

                                                       Kensington, Maryland  20895

                                                                  (240) 773-9025

 

                                                                   M I N U T E S

                                                               December 11, 2002

                                                                        02 - 21

 

A regular meeting of the Housing Opportunities Commission of Montgomery County was conducted on Wednesday, December 11, 2002 at 10400 Detrick Avenue, Kensington, Maryland beginning at 7:30 p.m.  Those in attendance were:

 

Present

 

Richard Y. Nelson, Jr., Vice Chair

Norman Cohen, Chair Pro-tem

Ralph D. Bennett, Jr.

Y. Monroe Galloway

Michael J. Kator

LaKeyia L. Thompson

 

Absent

Warren Lasko, Chairman

 

Also Attending

Scott Minton, Executive Director                                                          Ken Tecler

Annie Alston                                                                                         Bill Murphy                 

Lillian Durham                                                                          Stuart Raynor              

Lembit Jogi                                                                                           Earl DeMaris   

Zachary Smith                                                                                      Andrew Oxendine

Harold Kramer                                                                         Scott Ewart     

Jerry Matthews                                                                         Les Kaplan

Jane Harrah                                                                                          Linda Mansouri

Gail Willison    

Dana Miller, Special Assistant to the Commission                     

 

 

Guests

Elizabeth Davison, Department of Housing and Community Affairs

 

Prior to the convening of the Commission meeting, service awards were presented to the following staff members: 

 

25 Years of Service – Gregory Frazier, Sharon Marbley and Kay Masood

 

20 Years of Service – Sandra Barnes

 

15 Years of Service

Agnes Adebona, John Colbert, Lillian Durham, Jill Friedman, Jerrilyn Matthews, Kenneth Miller, Joseph Pierre, Juan Puente, Antoinette Walker, and Ellen Brown

 

10 Years of Service

 Bobbie DaCosta, Reginald Epps, Robin Feller, Jacqueline Ghunaim, Maudese Jeffries, Amy Justice, Sandy Kozak, Miguel Perez,  Edward Polite, and Stuart Raynor

 

5 Years of Service

Lillian Busch, Barbara Cohen, Terri Copman, Walid Eltayeb, Rachel Genus, Arthur Owens, Harold Kramer, Lester Kaplan, Steven Lukaczer, Rose Matthews, Patrick Mattingly, Michael McGinn, Simone Obeid, Irma Rodriguez, Angela Russell, Jill Matthews-Smith, Zachary Smith, and Zulma Sum

 

Vice-Chairman Nelson called the meeting to order at 7:30 p.m.  He advised the Commission of additions and changes to the Agenda.  In particular, he noted that the Legislative Agenda was moved from Deliberation to Committee Reports for adoption. Additionally, two items of New Business were added to the Agenda.  Vice-Chairman Nelson then called for consideration of the Consent Calendar.  Commissioner Bennett moved, seconded by Chairman Pro Tem Cohen, for adoption.  Affirmative votes were cast by Commissioners Nelson, Kator, Bennett, Galloway, Cohen, and Thompson. Commissioner Lasko was necessarily absent and did not participate in the vote.

 

I.          CONSENT CALENDAR

 

A.                 Approval of Minutes of  November 20, 2002 – The minutes were approved as written.

 

B.                 Authorization for Executive Director to Execute Contracts for Interior Painting at HOC-Managed Properties

 

 

 

RESOLUTION:  02 – 106                                       RE:     Authorization for Executive

                                                                                                                        Director to Execute   Contracts for Interior Painting at HOC-                                                                  Managed Properties  

 

WHEREAS, HOC issued an Invitation for Bids (IFB) for interior painting and drywall repair services for all properties and units managed in-house by HOC staff; and

 

WHEREAS, twenty firms submitted bids in response to the IFB; and

 

WHEREAS, HOC staff determined that the lowest responsive bidders are responsible bidders.

 

NOW, THEREFORE, BE IT RESOLVED by the Housing Opportunities Commission that the Executive Director, or his designee, is hereby authorized to execute eight contracts totaling $301,000 as follows:

 

Group 1 – Elderly Properties

           1. Primary Contractor:  5:01 Office & Home Contractors          $  38,000

           2. Secondary Contractor:          Independent Cleaning               $  16,000

 

Group 2 – Multifamily Up County Properties

           3. Primary Contractor: Camco, LLC                                        $  20,000

           4. Secondary Contractor:          Colossal Contractors                            $    9,000

 

Group 3 – Scattered Site Properties

           5. Primary Contractor:  Camco, LLC                                        $134,000

           6. Secondary Contractor:          j.j.d. Painting and Construction              $  58,000

 

Group 4 – Multifamily Down County Properties

           7. Primary Contractor:  Colossal Contractors                            $ 18,000

           8. Secondary Contractor:          5:01 Home & Office                             $   8,000

 

 

C.                 Adoption of  Pet Policies for Non-Public Housing Units

 

RESOLUTION:  02 – 107                                       RE:       Adoption of Pet Policies for Non-Public Housing Units

 

WHEREAS, on September 18, 2002, staff presented a proposed Pet Policy for Non-Public Housing Units to the Commission for “Deliberation” under which the decision as to whether or not pets are to be allowed at HOC multifamily properties would be made on a property-by-property basis as determined by each property’s characteristics; and

 

WHEREAS, the Commission directed staff to resubmit for “Consent” a Pet Policy for Non-Public Housing Units which is consistent (not property specific) and which contains a proviso under which pets currently allowed in certain properties will be “phased out”; and

 

WHEREAS, the HOC Resident Advisory Board was consulted with regard to staff’s recommended policy and concurred with staff’s recommendation.

 

NOW, THEREFORE, BE IT RESOLVED by the Housing Opportunities

Commission that 1) the Pet Policy for Non-Public Housing Elderly Units continues to be that pets be allowed in accordance with the policy adopted in 1987 and 2) the Pet Policy for Multifamily Properties and Scattered Site Units be that no pets are allowed, other than birds and fish, with the proviso that residents who currently have approved pets be allowed to continue to have those specifically approved pets in their dwelling unit.

 

D.                Approval of Renewal of Single Family Draw Down Indenture with Merrill Lynch

 

RESOLUTION:  02 – 108                                       RE:       Approval of Renewal of                                                                                                        Single Family Draw Down                             Indenture with Merrill                                                                                       Lynch

 

WHEREAS, the Commission has participated in a draw down agreement (Trust Indenture) with Merrill Lynch since January 2000; and

 

WHEREAS, that agreement expires on January 1, 2003; and

 

WHEREAS, Merrill Lynch desires to renew the draw down agreement with an option to terminate the agreement with notice and has requested that the investment not be collateralized; and

 

WHEREAS, the Commission desires to continue the draw down process in order to achieve savings in the Single Family Mortgage Purchase Program.

 

NOW, THEREFORE, BE IT RESOLVED that the Housing Opportunities Commission of Montgomery County approves the renewal of the draw down agreement with Merrill Lynch & Co. subject to certain revisions and authorizes the Chairman, or Vice Chairman or Chairman Pro Tem or Executive Director to execute the necessary documents to implement the renewal of the agreement. 

 

E.                 Approval of Lenders and Pool Insurer for 2002ABC Mortgage Purchase Program

 

RESOLUTION:  02 – 109                                         RE:       Approval of Lenders and Pool Insurer for 2002ABC Mortgage Purchase                                                                                                                      Program

 

WHEREAS, the Commission desires to continue providing below market mortgage financing to low and moderate income first time home buyers in Montgomery County; and

 

WHEREAS, the Commission approved an authorizing resolution on August 14, 2002; and

 

WHEREAS, solicitations for lenders and a pool insurer have been conducted.

 

NOW, THEREFORE, BE IT RESOLVED by the Housing Opportunities Commission of Montgomery County that:

 

The following lenders are accepted as participants in the 2002ABC Mortgage Purchase Program:  B.F. Saul Mortgage, First Horizon Mortgage, SunTrust Mortgage, Inc., OBA Federal Savings Bank, Residential Home Funding Corp., and Legacy Financial Group.

 

1.                  The following lenders are accepted as participants in the 2002ABC Mortgage Purchase Program:  B.F. Saul Mortgage, First Horizon Mortgage, SunTrust Mortgage, Inc., OBA Federal Savings Bank, Residential Home Funding Corp., and Legacy Financial Group.

 

2.                  Mortgage Guaranty Insurance Corporation (MGIC) is approved as the pool insurer for the 2002ABC Mortgage Purchase Program and the single fixed premium of 60 basis points is accepted as the fee for the pool insurance.

 

 

II.        INFORMATION EXCHANGE

 

 

A.                 Executive Director's Report - Mr. Minton added the following items to his written report:

 

1)                  Staff has received notification that HOC will be awarded a $500,000 ROSS grant. The grant will cover three years of employment-related services to Public Housing residents which will include: skills training, educational opportunities, and case management.

 

2)                  Mr. Minton directed the Commission’s attention to copies of the Montgomery Arms relocation plan.  He explained that the plan was distributed to the residents of the property.  A resident meeting is scheduled for December 16th to go over the plan in detail.

 

3)                  The Maryland Association of Housing and Redevelopment Agencies (MAHRA) has agreed to co-sponsor the Housing Day in Annapolis along with MCCD and HOC.  Housing Day in Annapolis has been scheduled for February 12th.

 

4)                  An award application has been submitted to NAHRO for the work that Rockville Housing Enterprises (RHE) and HOC has done on the Tax Credit Program.  The application was submitted jointly with RHE.

 

 

DHCA: South Silver Spring Revitalization

 

Elizabeth Davison, Director of DHCA, presented the proposed development and revitalization in South Silver Spring.  The presentation highlighted approaches to transforming the abandoned industrial area into a residential neighborhood with pedestrian access to the new arts and entertainment district.  The presentation focused on streetscape design elements which would enhance the environment.

 

Ms. Davison estimates that the proposed new developments will yield approximately 1,400 housing units.  She noted that there will be a fairly balanced mix of housing types serving varying income levels.

 

Commissioner Bennett commended Ms. Davison on the energy put into redevelopment of the area.  He pointed out that streetscaping is both important and welcomed.

 

Housing Choice Voucher Lease-Up Initiative

 

            Bill Murphy, Director of the Rental Assistance Division, informed the Commission that the Lease-Up Initiative has resulted in over 4,996 leased units to date.  He explained that the HUD-imposed minimum goal is 5,017.  He stated that HOC has approximately three and one half months to achieve, if not exceed, that goal.

 

            In response to a question by Commissioner Bennett, Mr. Murphy stated that the Agency currently has enough funding to support 100% utilization (5,575 leased units).  There was a lengthy discussion about the budget and funding for the next year. 

 

            Vice-Chairman Nelson congratulated Mr. Murphy and his staff on the success of the Lease-Up effort.  He stated that, despite the housing market, staff has made considerable progress.  Mr. Murphy stated that his staff has worked very hard.

           

            Chairman Pro Tem Cohen inquired about new landlords to the program.  Mr. Murphy stated approximately 166 landlords joined the Program since July 1, 2002.

 

            Mr. Murphy stated that the Lease-Up Initiative will reach its goal ahead of schedule and under budget.

 

            B.        COMMISSIONER EXCHANGE

                       

            Vice-Chairman Nelson introduced new Commissioner LaKeyia Thompson and welcomed her to the Commission.  He read a portion of her letter of interest to County Executive Doug Duncan and stated that Ms. Thompson has a commitment to giving back to the Agency and participating in the affordable housing process.

 

            Chairman Pro Tem Cohen directed the Commission’s attention to copies of the book Nickel and Dimed.  He explained that the book was recommended to him by former Councilmember Blair Ewing.  He asked Commissioners to read it and to pass it along to others who work or volunteer with HOC.

 

C.       COMMUNITY FORUM – no comments made.

 

 

III.       COMMITTEE REPORTS

                       

            Budget, Finance and Audit Committee   Vice-Chairman Nelson reported that the Committee met earlier that evening to review the FY04 Operating Budget and the FY03 County Operating Budget Savings Plan. 

 

1.                  Authorization to Submit FY04 County Operating Budget

 

Vice-Chairman Nelson explained that, in recent years, the Council has begun the process with directed cuts.  This year the directive was to reduce HOC’s base budget by 3%.  As a result, a budget will be submitted that is 3% less than last year’s budget.  Vice-Chairman Nelson explained that a request to restore items, which have been cut to meet the 3% reduction, will be submitted as well.  The budget submission is due on December 12, 2002. 

 

Vice-Chairman Nelson stated that it is a difficult time for the County.  However, he noted that the County must find an answer to assist HOC continue its work.  He stated that the Commission will be working over the next few months to prepare a budget for FY04.  He explained that each time an activity is cut, it hurts the program and the overall effort of the Commission.  He stated that, although it will be more difficult than recent years, the Commission will continue to work to maintain the programs and activities with limited funding.  He stated that the Committee talked briefly about projections that Public Housing operations may be under-funded by the federal government in the coming year.  Vice-Chairman Nelson stated that this added challenge will require supplementing the federal funding budget.   He went on to state that Commission approval of the FY04 County Operating Budget is the first step in meeting the budget challenges ahead.

 

There was a brief discussion about the list of items above the base budget for which the Agency is requesting funding.  Mr. Minton explained that there will be ample opportunity to amend the list or make a strong case for the items as staff reviews the budget with the Council and the Office of Management and Budget (OMB).

 

Chairman Pro Tem Cohen moved to adopt the FY04 County Operating Budget. The motion was seconded by Commissioner Galloway.  Affirmative votes were cast by Commissioners Bennett, Galloway, Kator, Cohen, Thompson and Nelson.  Commissioner Lasko was necessarily absent and did not participate in the vote.

 

RESOLUTION: 02 - 110                                           RE:     Authorization to Submit

                                                                                                FY04 County Operating

                                                                                                Budget           

 

WHEREAS, the Housing Opportunities Commission of Montgomery County wishes to submit a request for County funds for FY’04; and

 

WHEREAS, the County has instructed HOC to submit a budget with a 3% proposed reduction in funding for FY’04 by December 12, 2002; and

 

WHEREAS, the HOC also has various over the “MARC” budget requests totaling $526,020.

 

NOW, THEREFORE, BE IT RESOLVED by the Housing Opportunities Commission of Montgomery County that it hereby submits a request for FY’04 County Funds in the amount of $4,779,050.

 

 

2.                  Authorization to Submit FY03 County Operating Budget Savings Plan

           

            Vice-Chairman Nelson explained that a request has been made by the County Chief Administrative Officer to reduce the FY03 budget by three percent or $131,540.  He explained that staff has identified areas to reduce in compliance with the request.  He further explained that the items are “hard cuts” which will not be replaced. 

 

            Commissioner Bennett asked whether the Agency pays rental license fees.  Mr. Minton explained that, although the Agency pays the fees, in recent years the Council reimburses the cost. To reach the three percent cut, HOC will forego the reimbursement of those fees for the remainder of the year.  Mr. Minton further explained that the Agency has a very limited number of options with regard to the areas of reduction.

 

            Commissioner Bennett moved to adopt the FY03 County Operating Budget Savings Plan. The motion was seconded by Chairman Pro Tem Cohen.  Affirmative votes were cast by Commissioners Galloway, Kator, Cohen, Thompson, Bennett and Nelson.  Commissioner Lasko was necessarily absent and did not participate in the vote.

           

RESOLUTION: 02 - 111                                           RE:     Authorization to Submit

                                                                                                FY03 County Operating

                                                                                                Budget Savings Plan

 

WHEREAS, the Housing Opportunities Commission of Montgomery County has to submit a County Operating Budget Savings Plan for FY’03; and

 

WHEREAS, the County has instructed HOC to submit a proposed savings plan for the HOC County Operating Budget of 3% or $131,540 for FY’03 by December 19, 2002; and

 

WHEREAS, the County has instructed HOC to submit a proposed savings plan for the Closing Cost Assistance Program of 3% or $6,450 for FY’03 by December 19, 2002.

 

NOW, THEREFORE, BE IT RESOLVED by the Housing Opportunities Commission of Montgomery County that it hereby submits a FY’03 County Savings Plan totaling $137,990.

 

            Legislative and Regulatory Committee   Commissioner Galloway reviewed the proposed HOC 2003 Legislative Agenda.  She noted two additions which were incorporated into the revised agenda.  Commissioner Galloway thanked Vice-Chairman Nelson for his input.   She stated that the staff has done an excellent job, over the last year, preparing the Agenda.  She further stated that Commissioners will play a vital role in advocating the Agenda with the County Council, the Maryland General Assembly and the United States Congress.

 

            There was a brief discussion about the County Legislative Priority to advocate for funding for resident services linked to self-sufficiency.  Commissioner Bennett stated that this particular Priority needed to be clarified for the public.  He further explained that, in light of the recent economic downturn and Welfare reform, it is especially critical for continued assistance with daycare, job training and programs which enable County residents to fully participate in the workforce.

 

            Commissioner Galloway moved to adopt the resolution.  Chairman Pro Tem Cohen seconded the motion.  Affirmative votes were cast by Commissioners Kator, Cohen, Thompson, Bennett, Nelson and Galloway.  Commissioner Lasko was necessarily absent and did not participate in the vote.

 

RESOLUTION: 02 - 112                                           RE:     Adoption of 2003                                                                                                                    Legislative Agenda

 

WHEREAS, there is a need for developers in the County to be able to voluntarily build MPDUs in developments with 35 or fewer units; and

 

WHEREAS, there is a need for additional funding in the County’s Housing Initiative Fund to build more affordable housing; and

 

WHEREAS, there is a shortage of developable land in the County and a need for an inventory of County-owned land and for surplus land to be made available for the new construction of affordable housing; and

 

WHEREAS, there is a need for adequate funding for daycare, job training and programs which enable HOC residents to fully participate in the workforce; and

 

WHEREAS, the establishment of a Joint Committee on Housing Policy in the Maryland General Assembly is needed to facilitate legislation and information on housing-related bills and resolutions; and

 

WHEREAS, there is a need to maintain the current funding level for the State Partnership Rental Housing and Rental Housing Production programs; and

 

WHEREAS, there is a need for Montgomery County to have additional authority from the State of Maryland to issue bonds in order to preserve and create affordable housing; and

WHEREAS, there is a need for the U.S. Congress to identify a funding source for the creation of a National Affordable Housing Trust Fund; and

 

WHEREAS, an adequate U.S. Congressional appropriation is needed in the U.S. Department of Housing and Urban Development’s Fiscal Year 2003 and 2004 budgets to prevent the permanent loss of vouchers through the Housing Choice Voucher Program.

 

NOW, THEREFORE BE IT RESOLVED by the Housing Opportunities Commission that it hereby adopts and promotes these items as the Agency’s 2003 Legislative Agenda and Work Program.

 

Planning Committee   Chairman Pro Tem Cohen stated that the Commission and staff met on Saturday, December 7th to discuss the final draft of the Strategic Plan for the Agency.  He explained that staff and Commissioners began work on the Plan during the summer months and the work has resulted in what he considers to be the best Plan to date.

                        Chairman Pro Tem Cohen stated that staff will submit the Plan to the Strategic   Planning Committee for review.  The finalized Plan will be submitted to the Commission for adoption at the January meeting.

 

IV.       DELIBERATION / ACTION CALENDAR

 

A.                 Approval of Financial Software Acquisition

            Scott Ewart, Director of Information Technology, introduced Earl DeMaris, Chief Financial Officer.  Mr. Ewart stated staff has gone through an extensive search for core business systems software for approximately the past year and a half.  He went on to state that staff has reviewed most of the major significant products in the housing industry as well as leading financial products utilized in the private sector.   He directed the Commission to a written description of the process and names of the products evaluated.

 

            Mr. Ewart stated that the product and company that staff is recommending is Yardi – the leading software provider in the property management field.  Yardi was established in 1982 and served over 18,000 companies with products serving property, asset and financial management needs.  He stated that Nan McKay’s Public Housing software development division joined Yardi in August 2000, which added credibility and strengthened Yardi’s position in public housing software.  Mr. Ewart went on to state that Yardi offers technology that is not only current but also lends itself as a product that will best serve HOC going forward.  He went on to state that, HOC will be better able to utilize the technology offered by Yardi to improve staff operations and reporting ability.

 

            Mr. Ewart stated that technology was not the leading factor in making the recommendation.  He stated that Finance Division staff spent a considerable amount of time reviewing the functionality of this product and other products.  He stated that the cost of the software is approximately $375,000.   Full implementation of the software will cost the Agency nearly $500,000.

            Mr. Ewart stated that staff recommends utilizing an outside project manager to insure that the implementation is done correctly and on time.  He explained that staff has worked out a timeline with Yardi that will have the new system operational by July 1, 2003 to coincide with the beginning of FY04.  He stated that, based on reference checks, this is an attainable date for the implementation.

 

            There was a brief discussion in which Mr. DeMaris stated that the Finance Division staff has evaluated the product and are doing field testing.  He went on to state that staff is very pleased and positive about the recommend software.  Mr. DeMaris explained that staff evaluated two other software products and found Yardi to be the most appropriate – especially for financial reporting.

 

            Mr. Ewart pointed out that Yardi was a private property management system prior to adding the Nan McKay public housing component to their software.  He explained that, because HOC does so much more than Public Housing, the limitations imposed by CCS will no longer exist once the Agency has made the switch to Yardi.

 

            Commissioner Bennett inquired about technical support for the product.  Mr. Ewart stated that reference checks have revealed positive feedback from other housing authorities.  He further explained that HOC’s IT staff is trained in the technology utilized by Yardi and will be better able to support the product.  Yardi utilizes current technology, whereas CCS utilizes technology developed in 1976, to which staff has had to learn and adapt. 

           

            Chairman Pro Tem Cohen inquired about the cost for services.  He asked if the quoted fee of $200 per hour was reasonable.  Mr. Ewart stated that the fees are in line with what the industry is paying today.  He went on to state that staff intends to hire an outside project manager in an effort to save the Agency money.  He added that the amount saved will not likely be a significant savings.

 

            Commissioner Bennett moved to adopt the resolution.  Commissioner Kator seconded the motion.  Affirmative votes were cast by Commissioners Galloway, Nelson, Cohen, Thompson, Kator, and Bennett.  Commissioner Lasko was necessarily absent and did not participate in the vote.

 

RESOLUTION: 02 - 113                                           RE:     Approval of Financial Software Acquisition

                       

WHEREAS, the Housing Opportunities Commission of Montgomery County continues to experience problems with the CCS financial system; and

 

WHEREAS, external auditors continue to find deficiencies with the CCS financial reporting package; and

 

WHEREAS, the Information Technology Division briefed the Commission in March, 2001 regarding the intent to convert to a new software system for HOC’s core business products; and

 

WHEREAS, the Information Technology Division conducted an extensive evaluation of financial software systems on the open market; and

 

WHEREAS, the Finance Division evaluated the functionality of the various software systems; and

 

WHEREAS, based on the evaluation and references, the Finance Division ultimately selected the Yardi Financial and Property Management system.

 

NOW, THEREFORE, BE IT RESOLVED by the Housing Opportunities Commission of Montgomery County that it authorizes the purchase and implementation of the software conversion utilizing the Yardi Financial and Property Management system.

 

B.                 Approval of Series Bond Resolutions and Cost of Issuance for  2002A, 2002B, 2002C Single Family Bonds

            Earl DeMaris, Chief Financial Officer, introduced Tom DeBrine, Manager of Single Family Programs.  Mr. DeMaris explained that the series resolutions would be incorporated in the master indenture.  The resolutions detail the terms of the agreement with the bondholders and the trustee.  He stated that a cost of issuance budget was included with the briefing materials to the Commission.

            Mr. DeMaris stated that there may be a change to the bond structure.  He reminded the Commission that the Series C bonds have a variable rate structure.  He further explained that it is a Pre-Ullman product in which a variable rate is used to keep the Agency’s costs down.  To protect the Agency, an interest rate swap will be utilized. 

            Mr. DeMaris stated that, in the initial proposal to the Commission, a 15-year interest rate swap was recommended.  However, rates have gone up since that time and a 15-year swap is no longer appropriate.  Staff now recommends a ten-year swap – a fixed rate for ten years and an option to lock into a permanent rate or redeem the bonds after that time.

            Mr. DeMaris explained that rates have again gone down since the briefing materials were prepared.  He explained that initial estimates indicated that the Agency would earn approximately $110,000 per year for the indenture with the ten-year swap.  The funds would be used for future Public Purpose.  At the current rate, the Agency would lock in at approximately 4.1 %.  At that rate, the Agency would earn approximately $160,000 per year (accruing $1.6 million over ten years).

            Mr. DeMaris explained that staff recommends the ten-year swap because of the strength of the indenture.  He stated that, if inflation and interest rates have dramatically increased, the Agency would have the financial ability to redeem the bonds within one year.  He went on to state that the interest rate exposure on the back end is justified by the future Public Purpose which can be built up in the indenture during the first ten years.

            Mr. DeMaris stated that the Agency will not lock into a rate until tomorrow (December 12th) morning.  He stated that, if rates drop further by that time, staff will explore the 15-year swap as an option.

            In response to a question by Vice-Chairman Nelson, Mr. DeBrine explained that  there are three separate resolutions which require Commission approval to move forward.

            Chairman Pro Tem Cohen moved adoption of the resolution approving the cost of issuance budget for the 2002ABC Mortgage Purchase Program.  Commissioner Galloway seconded the motion.  Affirmative votes were cast by Commissioners Bennett, Kator, Thompson, Nelson, Cohen and Galloway.  Commissioner Lasko was necessarily absent and did not participate in the vote.

RESOLUTION:  02 – 114