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Dina Harris Founder and President National Faith Homebuyers Dina Harris, Founder and President of National Faith Home Buyers, has more than 40 years of experience in the housing industry. Dina is responsible for more than 10,000 families being able to realize the American Dream of Homeownership. Dina is married and the mother of four. Prior to creating National Faith Homebuyers Program, Dina worked in public housing serving as Deputy Director and Executive Director. She worked in public housing for 20 years establishing a successful Section 8 Program she launched and an award-winning “successfully implemented’ Drug Elimination Program recognized by HUD in a ceremony in Reno, Nevada. Her education includes studies at Western Michigan University, Kalamazoo, MI and Washtenaw Community College studying both marketing and business administration. In 2006 Ms Harris was accepted into the Harvard School of Divinity in Boston, Mass, The Community Leadership Program which she completed with a national preeminent list of mega ministers. Dina has spent the last twenty years as the Executive Director, CEO and President of the Washtenaw Home Buyers Program, Faith Community Home Buyers, and now National Faith Home Buyers. All three nonprofits merged into one organization, the National Faith Homebuyers Program. Under Dina’s leadership, National Faith has counseled in excess of 12,000 families, leading to more than 5,000 first time home purchases. Founding and successfully pioneering National Faith Homebuyers is Dina’s testament to her “walk of faith”. She has been identified and recognized for her continued track record in housing development and community service. (1) She was awarded the first “Courage Award by the Secretary of Fair Housing at HUD. (2) She has developed and sold over 700 “affordable” single-family homes since the creation of the National Faith Homebuyers housing development program in 2011. (3) National Faith Homebuyers under Dina Harris leadership was recognized by the Congressional Black Caucus during its phenomenal “WOW” program by assisting over 500 families in an 18 month period to purchase the home of their dreams. (4)National Faith Homebuyers is a HUD-approved 501©3 non-profit organization. (5) In June 2020, she launched a virtual homebuyers workshop with a monthly attendance of approximately 70-100 families currently. She continues to design and implement model programs that can be replicated across the nation. These programs help families succeed by the family’s definition of success. Under her leadership, National Faith Homebuyers has managed a federal HOME and NSP down payment program on behalf of the Wayne County Government. She has successfully managed this program from 2002 to the present and has spent all funds allocated. National Faith Homebuyers under her direction has managed without blemish federal, local and statewide funds in excess of 10 Million Dollars. She has also supported and managed down payment programs in partnership with local and national banks and 5 local municipalities. Dina has replicated the success of the Detroit program by opening an Atlanta branch in 2018. National Faith Homebuyers is approved as a counseling program for the state of Georgia’s down payment assistance program. She continues to design and implement successful housing models that are replicable nationally and create successful homeowners. She has partnered with 13+ national banks, churches, local and national non-profit organizations as well as local governments/municipalities, HUD, Fannie Mae, National Community Stabilization Trust and Fannie Mae. National Faith Homebuyers has awarded mortgage-free homes to veteran families (2014-2019) in unique and creative processes, most often surprising the families with a “mortgage-free” home. She has formed partnerships with Little Caesar’s Pizza to provide a home during a Bowl football game at the Detroit Lions stadium and has also provided a home during a Detroit Pistons game during halftime in partnership with the Detroit Pistons. She hosted over 200 guests from the program during the game. Her other partners assisting in providing “mortgage-free” homes for veterans include Chase Bank, Wayne County Government, Radio One and the UAW. These videos can be seen on YouTube or on the National Faith Homebuyers website: nationalfaith.org.

Track One Auction.com Presents... Opening the Door to Opportunity AUGUST 18 · 3:15 - 4:45 PM Join us on a journey to learn why transparency in distressed asset disposition is a win for investors and a win for banks and servicers. We will share the evolution of our auction philosophy, current programs that are redefining how the industry views disposition and challenge the misconception of who buys distressed real estate. Hear our thoughts on where the market is heading and how non-profits and development-minded investors can leverage our platform to help stabilize neighborhoods and drive change. SPEAKERS (From left to right) Racquel Reddie - Managing Director, Community Development at the National Community Stabilization Trust (NCST) Don Hofacker - Managing Director, CollateralValuation Group, Chase Home Lending Back to Agenda

REGISTRATION IS CLOSED As of June 22, 2022 at 11:59 PM, Registration for the 2022 National Black and Latino Economic Summit has closed. We will not be accepting applications submitted after that time. Back to www.blackandlatino.org Be Notified when Registraton goes LIVE

General Scholarship Health & Safety Privacy & Media Terms & Conditions 2022 NMCRC National Black and Latino Economic Summit Terms & Conditions Created June 1, 2022 Updated June 26, 2022 ​ ​This document sets out the terms and conditions between you and NMCRC. By registering for the 2022 National Black and Latino Economic Summit (herin "Summit") you are agreeing to comply with the terms and conditions set forth below. Prior to your registration, you must acknowledge and accept the Terms & Conditions contained herein. Should you not wish to accept the Terms & Conditions you should not register. Submission of a registration is regarded as an affirmation of your acceptance of the Event Terms & Conditions. You should read this document carefully and submit any questions to summit@blackandlatino.org before submitting your registration application. 1. General Terms 2. Scholarship Recipients 3. Health & Safety 4. Privacy & Media Policy 1. General Terms NMCRC reserves the right to change, amend, add or remove any of the above Terms & Conditions in its sole discretion and without prior notice. If one or more of the conditions outlined in these Terms & Conditions should become invalid, the remaining conditions will continue to be valid and apply. These Terms & Conditions apply to all event participants (attendees, speakers, sponsors, exhibitors). ​ The views expressed by any event attendee, speaker, exhibitor, or sponsor are not necessarily those of NMCRC. All attendees, speakers, exhibitors, and sponsors are solely responsible for the content of all individual or corporation presentations, marketing collateral, and/or advertising. ​ Attending the Summit. Once the registration application is complete and submitted, the appropriate committees will review the applications. Whether the potential attendee is awarded a full scholarship, a partial scholarship, or covering their own travel expenses, the attendee will receive an email confirming their registration by June 30, 2022, to include a link to the summit app — Whova — to access all summit information, materials, agenda, and notifications. (This is an updated term) ​ Previous Term Statement: Once the registration application is complete and submitted, the appropriate committees will review the applications. Whether the attendee is awarded a full scholarship, a partial scholarship, or covering their own travel expenses, the attendee will receive an official registration link for the summit via email. Once registered through this link the attendee will have access to all summit materials, agendas, and notifications. The platform used for the summit is called Cvent. ​ Nondiscrimination policy. NMCRC prohibits discrimination, harassment, and bullying against any person for any reason—for example, because of age, ancestry, color, disability or differing ability, national origin, race, religion, gender, sexual or affectional orientation, gender identity, appearance, matriculation, political affiliation, marital status, veteran status, or any other characteristic protected by law. ​ Liability waiver & release . In consideration of being allowed to register for, and participate in the Summit, you hereby warrant and represent that you are age 18 or above and freely waive, release from liability, assume all risks, and covenant not to sue NMCRC or its members, employees, board members, agents, or volunteers for any expense, loss, damage, personal injury, including loss of life, illness, including but not limited to COVID-19, disability, property damage, or property theft or actions of any kind that you may hereafter suffer or sustain before, during, or after the event, unless said expense, loss, damage, personal injury, including loss of life, illness, disability, property damage or property theft or actions of any kind is caused by the sole, gross negligence of NMCRC. This Liability Waiver and Release is specifically binding upon your heirs and assigns and is knowingly given. ​ Credential/badge scanning during the event . NMCRC event co-sponsors, exhibitors, and other third parties may directly request your personal information at their exhibit booths or presentations. Providing your information to them is optional, and you should review their privacy policies to address your particular needs and concerns about how they will treat your personal information. If during the event you attend a session or program hosted by an exhibitor other than NMCRC, you understand and agree that when you present your badge for scanning or when you provide personal data, that information will go to a non-NMCRC entity and NMCRC takes no responsibility for how that company uses your personal information. ​ Service as an invited speaker . If you agree to speak at a NMCRC sponsored event, we may share your contact and biographical information with event attendees. Sometimes we may also request a photograph. In other cases, we post on the respective event website information such as your name, employer, physical work address, and work email address, as well as a link to your company website and/or professional LinkedIn page available to the public. This is so that visitors to the event website, including event attendees and speakers, can contact you with questions and requests for more information, and to provide feedback if needed. Additionally, speakers may be asked to complete a release agreement or copyright form prior to their presentation. ​ Conference Modification or Cancellation . NMCRC reserves the right to modify the agenda or program as necessary without notice. NMCRC reserves the right to cancel the summit. We are unable to refund any travel costs (flight, hotel, etc.) in the case of NMCRC cancellation unless you are a scholarship recipient. 2. Scholarship Recipients Scholarship Inclusions. If an attendee is awarded a scholarship, it will cover either 100% or 50% of the attendee's round-trip flight and hotel accommodations (whichever was requested) from Wednesday, August 17 through Friday, August 19, 2022 (2 nights). Travel outside of those date ranges will not be covered or reimbursed. (This is an updated term) ​ Previous Term Statement: If an attendee is awarded a scholarship, it will cover either 100% or 50% of the attendee's round-trip flight and hotel accommodations from Wednesday, August 17 through Friday, August 19, 2022 (2 nights). Travel outside of those date ranges will not be included. ​ Notification of Award. Recipients will be notified by email of the scholarship award by Thursday, June 30, 2022 and will be required to accept or reject the scholarship within ten (10) business days. (This is an updated term) ​ Previous Term Statement: Recipients will be notified by email of the scholarship award by Thursday, June 30, 2022 Airfare Reimbursements. Scholarship recipients are responsible for purchasing their airfare at least thirty (30) days in advance of arrival. NMCRC will only reimburse base flight costs. NMCRC will not reimburse First-Class, priority seating, any other additional services, or flights booked within thirty (30) days of arrival. Upon arrival at the Summit, NMCRC will process reimbursement via check when all necessary documents have been provided. All reimbursements must be submitted with valid receipts upon arrival. NMCRC requires a minimum of thirty (30) days to process all reimbursement requests and issue payments. (This is an updated term) ​ Previous Term Statement: Scholarship recipients are responsible for purchasing their airfare in advance. Upon arrival at the Summit, NMCRC will process reimbursement via check when all necessary documents have been provided. All reimbursements must be submitted with valid receipts on the start date of the Summit (Wednesday, August 17, 2022). NMCRC requires a minimum of 30 days to process all reimbursement requests and issue payments. NMCRC is committed to taking no longer than 90 days for reimbursements to be issued if valid registrant information is on file. Hotel Accommodations. Scholarship recipients will be required to provide a valid credit card number within ten (10) business days of receiving the scholarship to hold their reservation and for room incidentals. The hotel will hold one (1) night hotel stay in the amount of $165.00. When you arrive and check in at the hotel, the hold will be released. If you do not show, you will be charged for that night including any applicable taxes and fees). NMCRC covers 2 nights (August 17th and August 18th). You are welcome to book additional nights at the special summit rate, which will be charged upon check out. You will be provided with a direct booking link to submit your credit card information. You represent and warrant that you are an authorized user of the credit card number provided, and you agree to pay all charges resulting from your stay, including any unauthorized charges incurred prior to your notice to NMCRC of such charges. Your credit card is required for hotel incidentals. Please do not email forms with the credit card information to protect your data and to comply with the NMCRC payment terms. Emailed credit card information will not be accepted. If you opt to book personally selected hotel accommodations or additional nights outside of the designated summit dates, you will be responsible for all fees associated with your hotel stay. (This is an updated term) ​ Previous Term Statement: Scholarship recipients will also be required to provide a valid credit card number when checking into the hotel for room incidentals. You represent and warrant that you are an authorized user of the credit card number provided, and you agree to pay all charges resulting from your stay, including any unauthorized charges incurred prior to your notice to NMCRC of such charges. Your credit card is required for hotel incidentals. Please do not email forms with credit card information. To protect your data and to comply with the NMCRC payment terms emailed credit card information will not be accepted. If you opt to book personally selected hotel accommodations you will be responsible for all fees associated with your hotel stay. ​ Cancellation. Scholarship Recipients must give 30-day notice for cancellation approval. NMCRC will respond within 48 hours if the cancellation has been approved and if the hotel cost has been waived. Scholarship Recipients who do not provide a 30-day notice will incur the cost of their hotel stay and any non-refundable travel costs. NMCRC may make exceptions based on approved emergency circumstances. 3. Health & Safety COVID-19 Duty of Care (In-Person Events) . By attending the summit, you agreed to abide by and engage in certain health-and-safety-beneficial conduct while attending the Summit. The following regulations are set forth: Mask-wearing is optional and not mandated for indoor public areas We storngly-recommend and encourage all vendors, speakers, guests, and attendees to be fully vaccinated, if able Engaging in appropriate physical distancing Do not attend the Summit if you are ill or have been recently exposed to COVID-19. If you have questions regarding NMCRC’ COVID-19 procedures or need accommodations, please contact NMCRC summit@blackandlatino.org ​ Event conduct and safety . NMCRC is committed to providing a safe, productive, and welcoming environment to all participants, including staff and vendors, at NMCRC-related events. NMCRC has no tolerance for discrimination, harassment, or bullying in any form at NMCRC-related events. Participants are expected to adhere to these principles and respect the rights of others. What To Do If You Witness or are Subjected to Unacceptable Behavior. Participants should report any behavior inconsistent with these principles to onsite event staff. Event staff will be happy to help participants contact venue security or local law enforcement, provide escorts, or otherwise assist those experiencing harassment to feel safe for the duration of the event. We value your attendance. You may also contact NMCRC directly to report a concern at summit@blackandlatino.org ​ Be mindful of your surroundings and of your fellow participants. Alert emergency services if you notice any behavior inconsistent with these principles or what you assess to be a dangerous situation or someone in distress. For other violations of this Code of Conduct, you can email summit@blackandlatino.org 4. Privacy & Media Policy How we will use your information . NMCRC is committed to data privacy and protecting your personal information. Information on how NMCRC collects, processes, and uses your data is hereby incorporated into these Terms & Conditions. Additionally, by submitting your email address during the event registration process, you agree that NMCRC and its event partners may send you event-related information. A valid email address is required for all registrations. ​ NMCRC uses the personal data you provide in this registration for administering your participation in this event. This may include information about the event’s content, event logistics, payment, updates, and additional information related to the event. NMCRC may disclose your personal data to third-party service providers engaged by NMCRC to assist in the conduct of the event (e.g. housing bureau, mobile application provider). Information you provide when registering for or participating in an event managed or co-sponsored by parties other than or in addition to NMCRC may be shared with those parties, and the treatment of such information is further subject to the privacy policies of those parties. Except as described herein, NMCRC will not disclose your personal data to any other third party without your consent except where required to do so by law. ​ Usage of photographic and video material taken at NMCRC events . To comply with global data privacy laws, NMCRC imposes certain restrictions on the use of multimedia at its events (e.g. photography, video, audio, online streaming, and all future mediums). An attendee is permitted to use hand-held cameras and/or smartphones to take photographs and capture digital images for personal, non-commercial use, provided the photography is not disruptive. Photographs may not be published, sold, reproduced, transmitted, distributed or otherwise commercially exploited in any manner whatsoever. ​ NMCRC may hire professional service providers (photo/video/streaming/audio) to document and display the event experience. NMCRC may also use social media platforms (ie. Facebook and/or Instagram) to: (i) post real-time photos and videos to its social media feeds; and (ii) display select submissions from those feeds on monitors throughout the event venue. Attendees and sponsors are encouraged to capture their event experiences and post their own social content from the event (text, photos, audio, video, streaming), provided it does not infringe upon the rights of any attendee, sponsor, third party, or NMCRC. Such infringement would include, but is not limited to, defamation or infringement of intellectual property rights. In the event an attendee requires a release or permission to protect the rights of a third party, obtaining such a release or permission shall be the sole responsibility of the attendee. By attending the event, you acknowledge and agree as follows: (a) NMCRC may edit and use footage it captures at the event for marketing and promotional activities and for any other lawful purpose in the ordinary course of its business; and (b) due to the prevalence of mobile recording devices in today’s world, NMCRC disclaims all liability for the capture of your image in any multimedia format by other attendees at the event. Recordings of the proceedings of NMCRC staff and partner meetings . The NMCRC applies restrictions on recording the proceedings of NMCRC meetings. Restrictions include, but are not limited to, the usage of audio recording, video recording, and photography by participants or observers.

Jules Dunham Howie CO-CHair, Director UPC Westside CDC Jules Dunham Howie has worked on organizational development issues for over 20 years. Through her consultancy firm, Jul Enterprise, she has provided facilitation, training, and capacity-building supports including fund development, strategic planning and board development to for-profits and non-profits all across the United States. Over 2000 people have been trained by Jules on organizational capacity building and grantsmanship issues. She is a strong community activist and serves on the board of the Historic Marble Hill Community Association and as Director of the UPC Westside CDC. Jules is the President of the Maryland Black Caucus. Foundation and enjoys using her policy development skills honed in her United Nations work. Jules received her BS in Communications and Theatre from James Madison University, and she received her Master of Divinity degree from Payne Theological Seminary. She is an Itinerate Elder in the AME Church and is married to Rev. Myron D. Howie. Together they have two children Ollie and Grace Marie and reside in Baltimore, Maryland.

Track One Back to Basics - Building Profitable Affordable Housing Business Using A Market-Based/Profit-Oriented) Model AUGUST 19 · 10:30 AM - 12:00 PM To include the unveiling of a new profitable rehab business component using Regions Bank Rehab Loan Product that increases Black & Latino home values Building income for nonprofits is crucial to build a path towards self-sufficiency. This summit session will focus on how FMCRC/The Housing Pros is able to build profitable affordable housing that is driven by the market and profit and not reliant on government funding. This model includes a “Robin Hood” component that targets building of high-income housing and taking that profit back into your affordable housing sector of the business that allows for lower rents and for sale prices. This session will present both construction and financial infrastructures needed to facilitate this For-Profit affordable housing model. This will include the various types of construction lines of credit (and from which banks) needed to produce profitable affordable housing for nonprofits and for-profit affordable housing developers. This session will also unveil a new and historic profit-building rehab business component (within your affordable housing business) that is driven by a rehab loan product from Regions Bank that can be used nationally. This session will review the components of this Regions rehab loan product and The Housing Pros (www.thehousingpros.org ) rehab business that targets Black & Latino homeowners with the goal of increasing the appraisal value of their home. Back to Agenda

In Memory of Al Piña It is with great sorrow that we share the passing of our beloved economic justice leader and a great champion of change. ​ Even though Al's swift transition on May 17, 2022, was unexpected, he has left a blueprint for us all to follow as we continue to be about seeking economic justice for Black and Latino Communities ​ Visit his memorial page to view the service held on May 27th, download the obituary, send a special tribute, or donate to causes that were near and dear to his heart. Visit Al Piña's Memorial Page

Track One Community Development, Capital Markets, and Intentional Investment Vehicles to Increase Your Organization's Single-Family Affordable Housing Development Business AUGUST 18 · 10:15 - 11:45 AM Private HEDGE Funds have purchased much of the Single-Family Scattered Site inventory and move them into their rental portfolio’s. Which unfortunately makes purchasing a home in Black and Latino Communities nearly impossible. The HEDGE Funds own the assets and pay cash for any that come on the market frustrating Owner/Occupants. So that begs the questions; “is it possible for non-profit organizations to use private investment capital to invest in the acquisition of Non-Performing Loans (NPL’s) and the Single Family Scattered Site space. Can non-profit organizations partner with Community Development Financial Institutions (CDFI’s) to purchase NPL’s and Real Estate Owned (REO) by the banks to further their mission and purpose and offer Owner/Occupants an opportunity to compete with the HEDGE Funds? ​ Presented by Hogar Hispano & Guests Back to Agenda

Track Two Black & Latino Small Business Access to Capital Forum AUGUST 18 · 3:15 - 4:45 PM Black & Latino small business organization leaders from across the U.S., key banks and audience members engage in a candid discussion on how to address the lack of access to capital that is hampering critical economic growth in predominate Black & Latino communities. In addition, this session will review successful capital loan entities targeting Black & Latino small businesses and new bank capital initiatives targeting increased access to capital for minority small businesses. Part of session highlights successful programs and equity capital funds that target access to equity capital for Black and Latino small business. Equity capital is the most coveted capital for any small business regardless of race. Equity capital is critical to development and expansion of small businesses. Recent studies show that Black & Latino small businesses account for less than 5% of recipients of equity capital. This session will engage equity capital experts on how local Black & Latino small business organizations can better link their small businesses to equity capital. Back to Agenda

Official Summit Kick-Off AUGUST 18 · 8:30 - 10:00 AM Keynote Speaker Dr. Bernice King Dr. Bernice King is a global thought leader, strategist, solutionist, orator, peace advocate, and CEO of the Martin Luther King, Jr. Center for Nonviolent Social Change (The King Center). She continues to advocate her parents' legacy of nonviolent social change through policy, advocacy, research, as well as education, and training through NV365™. Read Full Bio Back to Agenda

Adam Briones CEO California Community Builders Adam leads research, advocacy, and community organizing efforts to end California’s racial wealth gap and housing crisis for communities of color. Prior to CCB, Adam was the Greenlining Institute’s Senior Director of Economic Equity and helped to secure over $10 billion in community reinvestment commitments from large financial institutions. Previously, Adam spent a decade in housing development and real estate finance, primarily in New York. His work there included acting as Vice President of Real Estate Development at the Genesis Companies, one of the city’s most active African American-owned affordable housing developers. Adam was also a Senior Analyst for HR&A Advisors, a leading national consulting firm specializing in real estate and economic development advisory services. Before that, Adam was a Housing Fellow with New York City’s primary affordable housing finance agencies, the NYC Housing Development Corporation and the Department of Housing Preservation & Development. As a Housing Fellow, he closed construction and permanent financing on over 1,300 units totaling more than $150 million in debt and tax credit equity. As a Congressional Hispanic Caucus Fellow in Washington DC, Adam interned with the office of Congresswoman Maxine Waters and the House Financial Services Committee. Adam has also held internships with Union Bank’s Community Development Finance group as well as the West Angeles Community Development Corporation, a faith-based community developer. Adam holds a Master of Urban and Regional Planning from the University of California Los Angeles and earned his Bachelor of Arts in Anthropology from UC Santa Cruz.

Track Two Solutions to Address the Racial Bias in The Home Appraisal Process: Increasing Black & Latino Wealth Through Increased Home Appraisals AUGUST 19 · 1:00 - 3:00 PM The Racial Wealth Gap is driven by lack of Black & Latino home equity and racial appraisal bias is contributing to the widening of the Racial Wealth Gap. Studies are consistently showing evidence that Black & Latino home owners and neighborhoods are receiving significantly lower home appraisals compared to white home owners that is resulting in the minimizing of Black & Latino wealth and ability to buy up. This session will convene housing and appraisal experts to review the racial bias on appraisals and solutions to combat this appraisal bias that builds up Black & Latino home equity and wealth. Back to Agenda