Harbor Shores Community Benefits Plan

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Table of Contents
Introduction .3
Partner Acknowledgements
Vision and Mission
Project Description
Situation Analysis
Opportunity Analysis
Appendix 10
Family Literacy Center-Lifelong Learning
Local Business Consortium
Housing and Homeownership Consortium
Community Ventures Development Consortium
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HARBOR SHORES
21i4
Community Transformation
The idea of community transformation is not new one It has existed in various
iterations over the past several centuries In its modern day and urban context
communities have struggled with multitude of problems that have left them unattractive
at best to near hopelessness at their worst We have witnessed large declines in the
industrial sectors with the resulting layoffs creating significant declines in their skilled
workforce populations In many circumstances this has left our most vulnerable
populations in largely untenable situations We have seen inner city school districts bear
the brunt of these population shifts with not only loss of students but their teachers and
academic achievement levels as well Homeownership levels have plummeted in these
areas and without homeowners taking care of their properties substandard rental housing
has thrived These are only few of the national challenges that exist for many of these
historically urban settings
Benton Harbors challenges are no different than what we have already described In fact
many of Benton Harbors systemic challenges are more extreme because of the near total
absence of middle class population By federal definition every census tract is deemed
distressed The hurdles in Benton Harbor that currently exist range from the obvious to
the subtle One of the glaring challenges is continually declining population In its
heyday Benton Harbor had close to twenty thousand residents At present only ten
thousand seven hundred people still reside in the community As percentage of the
countys total tax base Benton Harbor has gone from over fifty percent to less than seven
percent in the past several decades Benton Harbor has also turned from community
thriving with homeowners to one that now has over sixty percent of its homes owned by
landlords And lastly and most importantly the city has watched it academic achievement
levels and literacy levels fall to unacceptable levels
As urban communities have faced these problems and more there have been multitude
of ideas studies and initiatives designed to reverse these misfortunes They have come in
the form of education reform housing initiatives specific job training as well as host of
other strategies These efforts have ranged from no measurable change within the
community to
very narrow pockets of success Unfortunately these targeted successes
have not lead to sustained community transformation for the broader community
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Different Approach
The philosophical model we have embraced within the context of the Harbor Shores
project is to embrace all of our municipalities and community partners in process of
catalyzing systemic change and community transformation Over the past three years this
philosophy has allowed us to successfully work with federal state and local
governmental units as well as broad based of community organizations Our first

step
was to acknowledge that full scale community transformation cannot be successfully
initiated within narrow community framework The Council for World-Class
Communities was established several years ago and served as the driver in bringing
thousands of our residents together to establish this common vision We realized this
transformation must come through the collaborative efforts of an agreed upon common
vision for the betterment of the entire community This vision includes economic
development lifelong learning understanding diversity and developing grassroots
organizations within the community The Alliance for World-Class Communities was the
first formal step in bringing the right resources together to achieve this vision The
Alliance represents four affiliated organizations Cornerstone Alliance Council for
World-Class Communities Citizens for Progressive Change and the Community
Partnership for Lifelong Learning that have joined together to begin addressing the
barriers to community transformation
These organizations informally worked towards arguably the same outcomes with the
challenge of wasted human and financial resources With the formal restructuring of
these four organizations into collective force we have been able to significantly
leverage our efforts as well as our impact within the broader community This same
leverage opportunity exists for Harbor Shores
Harbor Shores has the ability to use large residential and recreational development as an
enabler for true community transformation Using the Alliance framework of economic
develop diversity with inclusion lifelong learning and leadership development four
community benefits plans have been designed to take full advantage of development
that could exceed $500 million in its overall impact to the area These community
benefits plans include job creation workforce development literacy skill building
increased homeownership opportunities local and small business development as well as
developing strong roots organizations

grass
The following segments will describe the Harbor Shores project on vision and mission as
well as detailed community benefits plans
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Partner Acknowledgements
During the past three years there has been significant level of support provided to the
overall Harbor Shores project This support has come in the form of strategic
assistance technical development financial contributions

development governmental
and community engagement The Harbor Shores project wishes to extend their
appreciation and gratitude to those organizations and individuals who have contributed to
keeping the Harbor Shores project on pace to become reality They include
Harbor Shores Project Partners
Whirlpool Corporation and Whirlpool Foundation

Jeff Fettig Chairman CEO Whirlpool Corporation
David Whitwam Retired Chairman CEO Whirlpool Corporation
Governor Jennifer Granholm and the State of Michigan
Congressman Fredrick Upton

City of Benton Harbor Michigan
City of Saint Joseph Michigan
Benton Charter Township Michigan
County of Berrien Michigan
The Alliance for World-Class Communities
State of Michigan DOT DLEG DEQ DNR DOE
Heartland Alliance
Michigan Works
Lake Michigan College
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Vision Statement
To create an inclusive environment where the richness of our differences are viewed as
strengths and where all citizens are prepared and contributing to our interdependent world
class communities
Mission
We will accomplish this work by directly engaging with our federal state and community
partners to leverage the physical development opportunities generated by the Harbor
Shores project and in turn catalyze systemic change opportunities focused on human
capacity building that include educational economic and social initiatives
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Project Description
Harbor Shores is proposed 530-acre mixed-use development that spans parts of Benton
Harbor St Joseph and Benton Township Current plans include residential units
commercial hotel/conference center Jack Nicklaus Signature golf course indoor

space
and various other amenities
water park marinas parks and new green space
Harbor Shores is unique opportunity to revitalize the Twin Cities area and begin
to reverse declining populations shrinking county-wide school enrollments and

process
manufacturing job losses that have burdened our communities for the past several
decades It represents shared responsibility we have to one another and multitude of
shared opportunities for our connected communities The sheer physical scale of the
project will give us the ability to lay the groundwork in addressing not only our economic
challenges but our educational and social ones as well
Harbor Shores is projected to create 6000 direct and indirect jobs 4000 temporary
skilled-trade jobs during the construction phase and 2000 ongoing jobs in the hospitality
service and technology industries The residential space including mid-rise and low-
rise units town homes single family homes and senior independent living will offer
affordable housing options as well as at-market housing choices In addition the plan
would enhance the arts district and add recreation/entertainment opportunities retail
establishments and office

space to the community
Situation Analysis
The idea of redeveloping several hundred acres of contiguous dormant

contaminatedlandlocked properties in Benton Harbor Saint Joseph and Benton
Township has existed for almost twenty years These properties at best generate minimal
ad valorem revenues for their governmental units
Elements of Decline
As our communities have suffered through the pains of deindustrialization population
loss in particular our 18-34 year-olds plant closures and job losses we have recognized
that we must be open to innovative approaches to protecting the future viability of our
residents and businesses while continuing to use the core strengths of our communities
Educational disparities and high segregation indexes have also played negative role
across our collective communities
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These are some of the harsh realities our local communities and county have had to face
over the past several decades
-.9% population growth from 1970 to 2000
Above average exodus of our 18-34 year-old demographic in Berrien County

between 1990 and 2000
Geographic specific erosion of tax base BH SJ etc

Low in-migration between 1995 and 2001 that cost the county $100 million
dollars in personal income
Non-uniform educational attainment levels across the county
Ten-year projected declining county-wide school enrollments
The county continues to lose retail to surrounding areas
Quality of life measures such as new housing prices crime and school
performance have worsened
With all of the stark realities our communities have faced there has been an historic
coming together of our communities over the last ten years Weve seen significant
community engagement around creating world-class communities through diversity with
inclusion as result of organizations like Calling All Colors Council for World-Class
Communities and Lake Michigan College Weve also seen resurgence of
entrepreneurism as technology- and service-related industries have seen rebirth The
broader communities have also recognized the need for diversification of businesses
our region Cornerstone Alliance has played significant role through its economic
development strategies and collaborative efforts Quantitative and qualitative research
provided by the Upjohn Institute Berrien County and others have also been instrumental
in identifying our core assets and direction
Some of our community assets include
Shared lakefront and riverfront properties
Large land masses of undeveloped properties
core leadership group committed to systemic change
Proximity to multiple major MSAa Chicago Indianapolis Detroit etc

growing base of diverse and innovative companies
Whirlpool Global headquarters
Our communities possess significant strengths which have helped us to maintain our
status quo can we make this status grow at best They have not provided enough
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leverage around our existing assets to create the systemic change our communities are
striving towards
Given the resources and foundation that has been built in our communities the
environment is ripe to take on project that will allow all of our communities to share
and experience growth in economic educational and social wealth At no other time in
our communities histories have we been poised to successfully embrace such an
opportunity Community pride work ethic and the momentum around collaborative
community building is recipe for creating systemic change on multiple levels
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Appendix
10
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Family Literacy Center FLC
OPERATIONS MANUAL
COMMU NI TV
PARTNERSHIP
LIF LONG
LEARNING
REAL LJ1E
January 2007
HARBOR SHORES
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TABLE OF CONTENTS
Executive Summary The Family Literacy Center FLC
Recruitment Procedures
II Assessment Orientation
III Training Registration
IV Training Courses
Center for Literacy Development
Center for Education Development
GED Preparation 10
Catch the Dream for Adults LMC WMU Partnership forthcoming
Center for Life Skills
Bridges Out of Poverty 11
Diversity with Inclusion 11
Home Management Resources 12
Career Development 12
Personal Development 12
Program Monitoring 13
Appendix
Volunteer Handbook 14
Life Coach Implementation Strategy 29
Literacy Impact Metrics 33
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Operations Manual for the Family Literacy Center FLC
Executive Summary
The Family Literacy Center FLC

The Community Partnership for Lifelong Learning CPLL an affiliate of the
Alliance for World-Class Communities The Alliance is charged with developing
and implementing the goals and objectives of the LIFELONG LEARNING
consortium Our goal is to create an inclusive community where all citizens are able
to receive training and education that enables them to earn decent living at ajob that
provides stable and secure environment for their families
The lifelong learning continuum outlines the mechanism that will deliver the broad
scope of services to individuals in our community The LIFELONG LEARNING

consortium demonstrates the overarching service providers in Life Skills Diversity
w/inclusion One-on-one reading development GED preparation Job training and
Priority hiring in partnership with workforce development agencies local churches

colleges and volunteer and social service organizations
The Family Literacy Center FLC will focus on the literacy education and life skills
component of LIFELONG LEARNING We are adapting national family literacy

model which has four primary components
Adult Education may include basic education life skills workplace skills and
ESL instruction
Childrens Education may include instruction for preschool-aged children
elementary school-aged children and/or infants and toddlers
Parent and Child Together PACT Time interactive parent-child literacy
activities that strengthen the learning relationship between parent and child and
help parents become more empowered in their roles as their childrens primary
teacher
Parent Time provides parents with information about the literacy development
of their children and an opportunity to discuss their childrens development as
well as other concerns
Residents who cycle through the FLC will be engaged in number of ways To
ensure we reach high potential residents we will engage them using an Island1
process This Island engagement process will seek out individuals who demonstrate
high probability of success The profile characteristics of Island participants
assume
High School Graduate GED Completion

9th Grade Reading level
support system with at least committed partners
Willing to step out of their comfort level
Believes there is more to life than what they see in their current environment
Island process is
designed by Marcus Robinson Ph.D President CEO of Citizens for Progressive
Change and has been renamed as the Centers for Creative Living
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Through all of our engagement processes we seek to create vocationally certified
individuals with enhanced life skills who are GED and literacy prepared With the
these individuals with the necessary and training

ultimate goal being to equip literacy
to secure employment in todays competitive job market
Family Literacy Center Flow Process for 2007

Island Profile Assumes
GED Word Walk-ins

High School Diploma or 200 of Mouth Referrals
At least committed partners
Willing to step out of comfort level
life
Believes in better quality of
T__4LEch
eTrainigTransltlonal Jobs
INTAKE
2006 Uteracy center Operatons Manuel

November 29 Family
Saundra Johnson Austin EVP CPLL
The Family Literacy Center FLC is driving force of the Harbor Shores
It drives building human capacity through

Community Redevelopment Project
for
holistic approach using literacy and life skills as the foundational building blocks
residents to become job ready
The FLC serves residents throughout Berrien County with emphasis on the
communities in most need
The FLC targets residents who are unemployed underemployed incumbent
dislocated and ESL workers
The FLC focuses on developing the family through family literacy model which
childrens education and child together time

focuses on adult education parent
and parent time
The FLC has model of combining each training opportunity with

adopted
life skills for participants through life coaching strategy This model
developing
guidance in achieving individual goals by advising of the
supports providing
and resources for attainment while providing client
possible steps resolutions
driven advocacy and support along the way
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January
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Through funding from Harbor Shores partner developers foundations the

Department of Labor and Economic Growth The Alliance and other affiliate
organizations residents participate in FLC training opportunities with little to no

financial commitment
The following pages demonstrate how the Family Literacy Center FLC becomes
operational
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Recruitment Procedures
Individuals cycling through the Family Literacy Center FLC will be
vigorously recruited through various community engagement streams Our

goal is to
engage cross-section of individuals who are in need of training and
literacy development in Berrien County
Open Recruitment
Individuals that call-in or walk into the 175 Main Street facility
or identified HUBS
ii Mailings sent to current and former Bridges to Digital Excellence
Program participants
Selective Recruitment
Individuals targeted through the Island
Agency Referrals
ii Primary Agencies Department of Human Services and Michigan
Works
iii Secondary Agencies YMCA Salvation Army Capstone
Riverwood etc and local churches and their affiliates
All participants through open selected or agency referrals will be asked to
come in and fill out an application sheet and then scheduled for an assessment
orientation If no assessment time is available participants will be placed on

the waiting until time
list slot opens up
II Assessment Orientation
Through the Assessment Orientation our goal is to assess 200 individuals each
year Of those 200 we anticipate at least 100 will become engaged in some
level of our core services Reading Development GED Preparation and Life
Skills training
Fifty 50 of those individuals will be priority designation and assigned Life
coach who will help them select training and community benefits plan
programs that will help them realize their goals We anticipate the other 50
receiving services in one of our core areas with limited oversight in the form
of quarterly progress evaluation sessions
The Assessment orientation will determine each applicants area of interest or
need and be conducted in two phases
Phase 3-hour assessment which identifies reading level strengths and
weaknesses goals and attainment ability
Phase II 1-hour strategic focus session to integrate assessment results into
an Individualized Action Plan lAP and timeline
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Phase Scheduling
Monday and Wednesday from 1000 AM to 100 PM and 300 PM to 700PM

Thursdays from 530 830PM applicants will be assessed in the following
areas
Soft Skills Assessment includes career profiling
ii Reading literacy Assessment CASAS TABE or other DLEG

approved assessment
iii Opportunity Analysis
iv Culture Assessment
Each hour time block will accommodate up to applicants given current

staff limitations and scheduled two weeks in advance The Education
Specialist will be responsible for delivery of all reading assessments
We will engage area churches and organizations as HUB sites in delivering

literacy and life skills training The primary goal of the HUB sites to is
provide residents with alternate locations that are easily assessable within
walking distance to receive training Our HUB sites will be selected on their
desire and level of capability to deliver training to children youth and adults
Tuesdays and Fridays will be designated to conduct reading assessments at
HUB sites Time frame and number of applicants assessed will be determined
by HUB coordinator and Education Specialist
If all time slots are filled weeks out applicants are placed on the waiting list
until scheduling resumes the next week
Applicants who do not come in for their assessment orientation within
weeks of completing their initial application will be placed at the bottom of
the list to be scheduled for an assessment orientation
Applicants who miss scheduled assessment orientations will not be able to
re-apply for assessment for months
Phase II Scheduling
After Phase assessment Island participants will be assigned Life Coach

The Life Coach will work with these participants in intense one-on-one
sessions in developing their Individualized Action Plan lAP creating
timeline and working with them through guided advocacy model to achieve
their primary goals as defined by their lAP
Island participants are matched with Life coach because they have been
screed to have the highest probability for success Island participants are
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expected to reach their goals established on their lAP within to 12 months

after engagement
All non-Island participants will be scheduled for one-hour timeslot with an

in-take specialist During the strategic focus session they will discuss the
results of their Phase assessments develop their TAP and formalize next
steps Non-Island participants will meet with and in-take specialist formally
quarterly for progress evaluation and non-formally by appointment only
During the in-take process there will be instances where individuals who did
not come through the Island will be deemed good fit to receive the
services of Life Coach When this occurs the in-take specialist will forward
the individuals lAP results to the Life Coach who will put them in the queue
for the next available slot for services
Non-Island Strategic Focus appointments are scheduled on Tuesdays and
Fridays each week Island participants will be contacted by their Life Coach
to set up their Strategic Focus session and all other subsequent one-on-one
meetings
III Training Registration
Selective Registration Throughout the selective registration process
applicants who have gone through an orientation assessment in the
following categories
Island participants
ii Agency Referrals
Selective Registration occurs for approximately six weeks prior to training
opportunities noted in section IV During this time period only applicants on

the aforementioned waiting list will be allowed to register
Applicants on the waiting list will be contacted through letter or phone call
to come in and register for training opportunity See Section IV
Open Registration
Open registration occurs three weeks prior to training opportunity until
impending training classes are filled During this period any applicant
whether from the waiting list walk-in call-in island or agency referral
may
register for training opportunity Open registration applicants must have
gone through assessment orientation to register for training opportunity
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Hold Applicants
All assessed applicants will remain on file for months If an applicant has
not come into register by the end of the months their application will be put
into non-active file after which they will have to be re-assessed
IV Training Courses
During the strategic focus session applicants will be made aware of training
opportunities based on the goals set forth in their Individualized Action Plan
lAP
CENTER FOR LITERACY READING DEVELOPMENT
The Center for Literacy Developments primary purpose is to provide one-on-
one tutoring for individuals who test at or below the 8th grade level The goal
of this center is to provide literacy instruction that increases their reading
ability so they may enter GED preparation course
Of the 100 individuals that will be served through the FLC we anticipate
minimum of 25 individuals who will engage in Literacy development services
that will increase their grade by at least one level

per year
Applicants working on raising their literacy levels those who test at or below
the 8th grade level will be referred to the Literacy Specialist who will perform
an additional assessment miscue analysis and match them with volunteer
tutor
Volunteer Tutor will receive an instruction plan developed by literacy
specialist that tells the tutor the students instructional needs the short
and long term learning goals the materials prescribed to students and
list of appropriate strategies to use within their tutoring sessions
Both parties will be brought in to make their initial contact This
appointment can last from 1-2 hours
They are both asked to make month commitment to meet one-on-
one at least one time week

Tutee is given information form which lists contact information for
their tutor
Tutor and tutee will work out schedule that is mutually acceptable
and move forward with tutoring plan
Volunteer tutors and tutees can meet at public places the training
center or hub sites for instruction See attached volunteer tutor
handbook
Progress Reporting
After the pair has been meeting for six months the Literacy specialist will
bring them in or visit them for progress report meeting This meeting
includes the setting of new goals discussion of the students progress and
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accomplishments and assessment of the current materials/strategies used

within their meetings and gives the pair chance to discuss
concerns/questions After this initial progress report meeting pairs will

receive that
progress report meeting yearly after
Every student must receive pre and post test each program year We will
offer all testing after the initial assessment orientation in group testing
format Each student will be invited to group testing session at the Main
Training facility two times year Each time student is tested the tutor and
the student receive letter alerting them of the students progress and areas of
need
Pre Tests will be offered in August and Oct of each program year
Post Tests will be offered in Feb and May of each program year
CENTER FOR EDUCATIONAL DEVELOPMENT
The purpose for the Center for Educational Development will be to catch the
overflow of GED applicants who contact the local provider and are place on
the waiting list The goal of this center is for individuals to prepare for take
and pass their GED exam in its entirety
OfthelOO individuals served by the FLC we anticipate minimum of 25 to
prepare for and pass at least one of the five GED exams reading math
science social studies writing needed to receive your GED
Currently we are only offering computer based training for GED preparation
using the NovaNet system NovaNet is being piloted by the Michigan Dept of
Labor Economic Growth Individuals placed in our GED program will be
screened during the assessment orientation to find out their level of interest
and ability to use computer based instruction program Applicants working

on completing their GED will be referred to the Literacy Specialist who will
set them up with NovaNet user account
Students will be given weekly calendar and asked to schedule
minimum of hours and maximum of 15 hours week at NovaNet

dedicated computer stations
Applicants will receive information on how to access NovaNet from

home or other remote locations
Students who do not want to receive on-line instruction or prefer
classroom instruction for GED preparation will be referred to the
appropriate area GED class
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CENTER FOR LIFE SKILLS
The Center for Life Skills purpose is to provide individuals with the necessary
tools needed to successfully navigate their home and work lives The goal of
this center is to provide menu of personal enhancement programs that will
make individuals more attractive prospect for employers lending institutions
and other community environments
Of the 100 applicants served through the FLC we anticipate all to have
participated in at least one Life Skills training program
Applicants will be able to select from life skills training programs
Bridges Out of Poverty

Moving out of the culture of poverty requires more than an increase in
financial means devaluing relationships and accepting achievement as
the driving force in ones life It will require one to learn and use
middle class language and behaviors It will require the individual to
take on new worldview that is reflective of the middle class It
requires more than just workplace training The individual is
challenged to adapt new way of thinking about life their childrens
lives and the future
This session will assist individuals in understanding and experiencing

the differences that exist between those that live in
poverty and in the
middle class These sessions are designed to stimulate strategies that
assist persons to be more successful in the middle class workplace

and community
Bridges Out of Poverty is 10 week program taught by volunteers Sessions
will be offered on Tuesdays from 6pm to 8pm Bridges Out of Poverty
sessions will be offered times with scheduling being driven by

year
volunteer teams Bridges Out of Poverty will be offered at the Main
training facility and at HUB sites
ii Diversity w/inclusion
During these interactive multi-media workshops participants take
part in discovery session that examines individual attitudes
organizational culture and community forces that affect our
interactions with others The goal is to develop personal
accountability for ensuring an inclusive environment and building
awareness and skills that can be used at home at work and in the
community
Diversity w/inclusion is 12 week program Sessions will be on Monday

evenings from 6-8pm times per year
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iii Home Management Resources
This training course offers the essential skills needed to

manage
family personal growth positive attitudes healthy lifestyle family
relationships clutter organization meal planning and preparation
parenting and house cleaning
Home Management Resources Training is 10 week course taught by

volunteers Sessions will be offered to 10 times year with scheduling
being driven by volunteer teams designated by church affiliates HMR will
be offered at the main training facility and at HUB sites
iv Career Development
This training will enable the participants to Know their skills
values and experiences and understand how to leverage this
through
Defining their self brand
Developing their resume and cover letter
Enhancing their interviewing skills
Career Development training is an week program Sessions will be

offered on Wednesday mornings from 9am to 12 noon and Wednesday
evenings from 5pm to 8pm in alternate week cycles times year
Personal Development
The training will be adapted from Tough Choices beyond Anger
Management comprehensive video-driven cognitive-emotional-
behavioral life skills program This personal development training
will help participants begin the process of developing the
interpersonal skills required to perform effectively in home and
professional work environment
Personal Development Training is an week program Sessions will be
offered on Friday mornings from 9am to 12 noon and Thursday evenings
from 5pm to 8pm in alternate week cycles times year All training
will be offered in consecutive weeks because each topic builds on the next
one
Applicants are allowed to partic4ant in no more than two life skills
training programs at one time This is in addition to

any literacy or GED
preparation training they are engaged in Various life skills training
programs may be offered at HUB sites depending on staffing logistical
and scheduling restraints
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Program Monitoring
There will be pre and post evaluation participants will be asked to fill out on
all training programs they are engaged in The pre-evaluation will ask why
they are taking the training what are their expectations and what they feel
they will gain from the training The post evaluation will ask whether they met
their personal goals how satisfied they were with the training program i.e
tutor instructor instruction schedule and materials provided
Instructors and volunteer tutors will also provide evaluations on student
progress attendance and program operations
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APPENDIX
COMMUNITY
LIFELONG
LEARNING
VOLUNTEER
TUTOR
HANDBOOK2
Kent County Literacy Council
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Tutor Job Description and Responsibilities
Our volunteers are
Good readers writers and communicators
Open to new ideas and teaching techniques
Tactful nonjudgmental dependable patent and flexible and

Comfortable giving generous sincere compliments and praise
They must have
Enough time to
prepare lessons and work with student in relaxed manner
Mature and realistic attitudes and judgment
Assertive leadership qualities in finding and scheduling site and in

tutoring
follow-through with student
Willingness to ask for help when needed
Willingness to submit monthly reports to CPLL

Time and commitment to attend meetings designed to improve tutoring skills
Ability to foster independence in the student
firm understanding of and commitment to confidentiality
Tutoring Information
STUDENTS ASSIGNMENTS student will be assigned to you after you have

successfully completed tutor training literacy specialist will call you to discuss the
assignment You can pick up the students information tutoring plan and materials at the
Main St training facility
To become matched with your student
The Literacy specialist will call you to let you know you have been matched with
student and to set time for you and the student to come in and meet
At the meeting be sure to give you student you name and telephone number and
specifically ask him/her to call you if there is change in plans before you first
tutoring sessions
Know your students name nickname or both and how to pronounce and spell
them properly Ask you student what he/she wishes to be called
At the first meeting give student an index card with

your name and telephone
number on it As will as your tutoring day time and place Be sure that your
student knows where to reach you if he/she is going to be late or absent Be sure
to let
your student know in advance if
you cannot meet with him/her
Call the Main St facility after your meeting Please report the day time and place
that you are meeting Ex Mondays Union church 4-530p.m This will confirm
the tutor and student match
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REQUESTING TUTORING SPACE People usually respond positively to you request

for space Introduce yourself as CPLL tutor and ask whether they have private room
available for you to use weekly for about 1-1/2 hours to tutor an adult learner As
courtesy please notify the site provider if there are any changes in plans for use in their
space EXAMPLE You will not meet for two weeks because of vacation
BOOKS AND MATERIALS your student and tutor materials can be picked up at the
Main St facility Hopefully we will are the books of interest on hand if not they will be
ordered and should take no more than business days to arrive Please be prompt in
picking up materials
ATTENDANCE Remind your student to call you if he/she will be absent Sometimes the
first few meetings can be challenge as both of you are doing something new Be specific
when making arrangements with your student EXAMPLE We will meet inside the front
door of the library next to the check-out desk
NOTIFY OUR OFFICE After you have your first meeting please call our office to
confirm that you have met You may leave message on our voice mail system or speak
with office staff unless you have questions or comments You may also send an email to
the literacy specialist It is best that your questions be directed to the literacy specialist
RECORD YOUR TUTORING HOURS AND REPORT THEM MONTHLY Most

tutors will have their own system for keeping track of their time- calendar weekly
scrap of paper
planner or tucked into their pocket Please remember to send in your
Monthly Tutoring Log each month for the previous month You can send those by mail
email or fax You may also call in your hours but this method is lease desired
ENDING YOUR TUTORING SESSIONS If your student plans to stop tutoring
please call the Literacy Specialist Your student may need to be re-evaluated before you
stop meeting In addition you will need to complete Match Termination form
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General Guidelines for Our Tutors
Your attitude of acceptance is your most important asset Accept your students
abilities without criticism or blame Your student may come from different culture
accept personal differences Your student may need additional encouragement or support
because of past educational experiences
Be dependable meet your student regularly Do not accept undependable behavior from
your student Failure to call you or last minute cancellation except for real
emergencies need to be addressed early and assertively If you are not comfortable
call the Literacy for

doing this please Specialist support
Your role is that of reading tutor Please do not get involved in counseling or testing
even if that Refer your student to the Literacy if there are

is
your background Specialist
Problems or concerns outside of your tutoring role However you should show interest in
your student Gather knowledge that will help you to relate the instruction to his/her
goals Be aware that there is delicate line between real interest and prying
Your student is and adult but he or she may not have the social skills or assertiveness
to refuse requests from the tutor Please do not proselytize evangelize or attempt to
explain your religious or political beliefs to you student Also please do not try to
sell or
offer products or services to your student
Transportation You are not expected to provide transportation for you student If you
choose to do so you must have adequate insurance and the willingness to assume all
responsibility since CPLL does not have insurance for this purpose
Not in the home it is our organizations policy that tutors and students meet in private
room in public supervised building and not in the home Safety issues and distractions
in the home make it inadvisable to meet in this setting
Probation and Parole Occasionally will CPLL serve individuals who are on probation
or parole and those who are in treatment programs for substance abuse or emotional
problems It is our policy to inform the tutor of these situations before he/she agrees to
tutor the student insofar as we know abut the situation The tutor always has the option
of declining to work with particular individual If the match has already been made and
you become aware of students legal emotional Or substance abuse problem please
call the Literacy Specialist
Waiting for students Sometimes students will ask tutors to wait for them if there are
going to be disruptions to tutoring such as illness or job demands Sometimes reasons are
vague such as needing time off We ask that you wait no longer than weeks for
your
student to return to tutoring If
you find that you are being put on
hold by your student
explain that she/he may call our office when ready to resume tutoring and new tutor
will be assigned at that time Meanwhile we can keep our valuable tutors YOU busy
D01000069
Close relationships Because of the close relationship that often develops between
students and tutors some students may develop crush on their tutor If
you become
aware of this through the students actions or comments it would be best to address the
situation as soon as possible This may be very difficult for you to do but ignoring the
situation will usually not make it
go away Pleas call the Literacy Specialist to discuss
how this can be handled without embarrassment for you or the student
Partners in learning Sit next to your student so that you can work with him or her
corner of table work well Do not sit across from your student so that you can teach to
that
person Remember You are partner in your students learning process even though
you assume large portion of the leadership role
D010000692
General Policies Relating to Tutors
To be eligible to become tutor individuals must
Attend one-hour information session
Complete and sign tutor application including providing references
Minimum skills Be at least 18 years old with high school diploma or GED
Locate and meet with their student in an approved public supervised site
Demonstrate patience and genuine desire to help student
Demonstrate the ability to read write and spell well Demonstrate good verbal
communications skills including good grammar
Ability to relate to people diverse backgrounds and to be culturally sensitive
Demonstrate behavior appropriate to working with student which excludes such
behaviors as
Use of racial or ethnic slurs
Harassment any behavior perceived as offensive after being asked to
stop
Disruptively loud behavior
Threatening behavior
Disregard for personal hygiene
Complete the interview as designed by the Literacy Specialist

process
Attend 10 hours of tutor training hours mis-queue hours one-on-one skills
development and hours diversity training in consecutive sessions
Complete the tutor commitment form at the conclusion of training
To continue to be eligible to tutor individuals must

Meet their student on regular basis
Report volunteer hours and student progress on monthly basis
Maintain confidential treatment of all student information
Maintain conditions of initial eligibility as defined under General Policies
Relating to Tutors above

Attend periodic follow-up meetings and training opportunities
D010000693
Student Eligibility Policy
General Literacy Service
Be at least 18 years old or 16 years if out of school
Agree to meet in an approved public tutoring site 9barrier-free if needed

Be able to and agree to get to the approved public site without assistance from the
program or the tutor
Be able to express their needs/goals related to reading
Demonstrate the ability to attend to tasks for the duration of the intake interview
Be able to respond to personal history questions
Demonstrates desire to learn Participant needs to come to CPLL on his/her own

free will
Demonstrate behavior appropriate to learning with tutor which excludes such

behaviors as
Use of racial or ethnic slurs
Harassment any behavior perceived as offensive after being asked to
stop
Disruptively loud behavior
Threatening behavior
Disregard for personal hygiene

Be willing to commit to least hour per week for six consecutive months of
instructional time
Reading must be identified by the individual as his/her primary need
For Reading instruction at initial intake participant must also
Be able to communicate basic information in English
Be able to differentiate characters on the printed page
Maximum skills Demonstrate reading deficiencies by scoring no higher that 9.0
grade equivalence on the Test of Adult Basic Education
Be able to use writing instrument such as pen or pencil to print out letters or
to draw recognizable square

and recognizable circle OR be able to find and
strike specified keys on keyboard
To be eligible for continued literacy services after being accepted into the program
candidates must
Attend scheduled tutoring sessions regularly
Arrive at tutoring sessions on time
Notify the tutor in advance of planned absence or expectations to be late

student who does not call/not show for three sessions can be terminated
Maintain conditions of initial eligibility as defined under General Literacy
Services and other applicable sections above

Show measurable progress as demonstrated by increasing test score after
months of tutoring OR meeting some other indicator previously agreed upon

Take an active role in the learning process
Participate in scheduled testing and progress meetings
D010000694
Confidentiality Policy
Confidentiality is essential in working with literacy students particularly those who are
working to improve their reading Many students who come to the CPLL for reading
assistance do not want others to know that they have asked us for help
In the course of your volunteer experience CPLL staff and your student likely will share
confidential information with you We ask that you follow these guidelines
Always keep your students personal information confidential As you share your
student stories please do not reveal personal information about your student
such as name place of employment personal problems churchlclub membership

etc that would indicate the learners identity You do not know whether the
person you are speaking to knows your student
Always check your tutoring plan to see whether you can leave message for your
student Please follow your students withes about calls to the home or workplace
Do not discuss your students abilities progress or attendance with anyone other
than CPLL staff Examples Do not discuss your student with their spouse
parent or other relative the their employer or supervisor or co-worker or social
workers medical personnel or other human services worker CPLL will not
discuss the student unless we have the students signed consent to do so
If
you are questioned by relative caseworker employer or other individual
please say am sorry but cannot discuss that with you Please call CPLL
CPLL takes our confidentiality policy very seriously Violating your students
confidentiality can harm family and work relationships In addition it is grounds for
dismissal from your tutoring position
D010000695
Helpful tips for Teaching Adults
After providing an overview of the purpose or goal of reading activity break
down tasks into small increments and teach the student in paced sequential
manner
Present variety of short assignments
Use as many of the senses as possible when presenting new material visual
auditory speaking tactile and kinesthetic
Teach to the students strengths
Relax new material to everyday life whenever possible This can make abstract
concepts more understandable
Control the complexity and the amount of directions Break things down into
steps and present one step at time Speak at an even speed
De-emphasize any timed reading timed test or timed anything Give your student
the times/he needs to learn
Limit the teaching of new vocabulary to words used in specific lesson or
exercise Do not overload

your student with new words or information about
works Do not teach all of the meaning of one work at one time that can be too
confusing
Use uncomplicated drawings and large print when needed Use color whenever
possible Color-coding is helpful to many
Help the student visualize material being learned The more student can
visualize and hear what is present the better s/he will understand and retain the
information
Provide opportunities for touching and handling materials that relate to ideas
presented Provide the aspirin bottle when teaching to read directions For
example
D010000696
Tips for Successful Tutoring
Respect your student as person Do not criticize student who doesnt read
well Your criticism may destroy self-confidence and interest in learning
Do not ridicule or shame your shame student Never permit yourself to be

sarcastic Do not parrot the student by repeating the answers he/she gives
Do not correct speech but accept it Some students may have dialects and
accents making their speech different from yours Your primary purpose is to
teach reading Limit your corrections to those that affect the meaning of words
Concentrate on helping him/her understand what is being read in English Too
many corrections of your students speech will be interpreted by her/him as
criticism and could destroy the interest in learning
Be sure to give directions clearly Do not talk above the students head do not
talk down Assume that if the student does not understand there is something
wrong with your techniques or your explanation not with the student
Do not teach what the student knows already Build on what she/he knows
Do not ask the student about something that you have not yet taught Follow
the sequence of skills introduced in the materials Do not skip around to test the
student If
you thing your student may know something already ask
How you react to errors is very important It is more constructive when the
student has made an error to correct it casually rather than overemphasize it by

asking questions to lead him/her to correct it himself or herself If it is
appropriate teach and re-teach the point

Do not do tedious drilling on particular skills Practice is already built into the
reading material If the student needs more help give little at each lesson
Build on your students strength and interests Remember that it is your

responsibility to plan carefully for the lesson and at the same time be flexible
taking your cues on content from the student
Avoid asking questions to which the student need give only one-word
answers particularly yes and no Instead ask questions that encourage

longer answers Tell me about the TV show you saw yesterday or what are
you planning to do this weekend Encourage students to answer in complete

sentences
Never promise anything you cannot deliver you may be joining long line of
others who have broken promises to him or her You must make every effort to
show your student that s/he can have confidence in you and that
your promises
are meaningful
Be careful not to overwhelm or overburden the student S/he must leave each
lesson with this/her self-confidence intact and real sense of enjoyment and
achievement
Praise the student frequently during the lesson but only for genuine success
Indiscriminate praise is not helpful Your student can sense if you are genuine
Say something positive at the close of each session Be specific
D010000697
Be patient Progress is sometimes very slow You cannot hope to teach
overnight what your student has failed for years to learn nor can you hope to
undo instantly the damage that has occurred over period of years
D010000698
Strategies for Tutors From Other Tutors
Write story together and encourage the student to use words they may not
know how to spell
Give your student an incentive to learn You might for example work with
menu from your students favorite restaurant When they become comfortable
reading it offer to treat them to meal at that restaurant
Make flash cards with words that the student cant pronounce or spell After
teaching these words quiz them After few weeks show the stack of cards
to the student to reinforce how much progress has been made
Keep shared journal or personal dictionary Encourage the student to use
works they are unsure how to spell Have the student underline the words
they are unsure of and then go over them together
If student enjoys or wishes to travel to particular place order travel guide
and read through it together
Surf the Internet with your student Show them the basics and most
importantly get them to site with an audio dictionary such as wee.m-v.com
words-Within-Words is great trick to help remember how to spell word

not to necessarily pronounce them i.e friends ends with ends
Use readings that are positive of interest to the student and dont focus on the
skill level so much If your student doesnt know some of the words then
make them part of the lesson
Create list of words that often appear in the students environment This
gives them wonderful opportunity to practice outside of the sessions
If student is unfamiliar wit ha word or concept try to demonstrate it
visually Let the student see or touch the actual item or concept
Make sure that your student comprehends what he or she is reading
D010000699
Tips for Tutors From Other Tutors
Be upfront with your student Ask your students whether it is OK to correct him or
her Deal with lateness and problems that

you have as they occur Always clear the
air
Tell your students to stop you if they do not understand Clarify and re-explain
Be as open as you can with your student You will need to build your students trust
Ask your student What are your expectations What would you like to learn
Make your students feel good about what they know Remember They now
something that you dont know Share your knowledge and let
your students share
theirs
Go back and review your students plan occasionally to remind yourself of the goals
Help your students to refine their goals Always keep your students goal in mind
when planning lessons
Ask for the students input at all times and encourage him or her to voice opinions
about the structure of each lesson This gives your students an avenue to tell you
what is helping them
Work as long as you and the student are comfortable Dont stare at your watch or
end in the middle of lesson just because it has already been an hour and half This
shows the student that you are there helping because you enjoy it not to
pass time
Look at your student as new friend not student Respect them and treat them with
the same if not more respect than you would expect
Make sure that your student understood what you said Ask them to repeat directions
or statements in their own words
Always use humor whenever you can
D010000700
Library Skills Checklist for Literacy Students
Literacy tutors are encouraged to help their students cards and learn to use the
get library
library Some students find the library an intimidating place and avoid it Others may be
somewhat familiar but dont feel comfortable going on their own Please accompany
your student and help himlher to learn the skills necessary to access information and
checkout books
If you have your tutoring sessions at the library access will be easy For those of you
who meet elsewhere please make plans to the library periodically change of scene is
always welcome for students
Following is list of skills and activities you can teach your student over time
Take an informal tour of the library Stop to examine books or materials that
might be of interest to your student
Invite your student to apply for library card usually all that is needed is
picture ID with current address Make sure that your student understands that
they will incur fines if materials are not returned on time
Help your student select and check out books for himlherself of for children or
family members Many libraries have adult new reader selections or books with
large print Explore the records tapes CDs and videos
Browse through variety of magazines
Explain briefly how books are organized in the library Read the signs together to
help your student in future visits
Practice using the computers the copy machine and the microfilm and
microfiche machines
When the opportunity presents itself look up information on topic form
reading lesson find word in the dictionary or use an encyclopedia map or
other resource
Many people love to research their family history Direct your student to the
librarys local history and genealogy materials
Reassure the student that libraries expect to he asked for help
DOI00007O1
APPENDIX
COMMUNITY
PARTP
LIr LONG
LEARNING
LIFE COACHING
ENGAGEMENT
AND
IMPLEMENTATION
PROCESS
D010000702
Community Benefits Citizen

ALLiAN
Engagement Cycle
Creating an inclusive
community where all citizens are
able to receive training and
education that enables them to
provide stable environmentfor
their families reating opportunities for
businesses to benefit
from the economic
Creating and ty generated by the
arbor Shores Project

environment
Thatutiuizes arts
cultrire as means
of enriching lives
enhancing
sunvundings and
revitalizing Facilitating
communities individual
Family and
community
capacities to
Creating and
drive self-
developing quality of
lifeassets in the
sufficient home
community
October 2006 Kareemah El-Amin

19
Director of Training Operations CPLL
INTERNAL USE ONLY
Engagement Process
IL
LEWS
Life dch H20
HowWeGet
There
AE Phase III
LBC
CVD

19
INTERNAL USE ONLY
D010000703
Coaching Implementation Process
Metrics
Now Are We Doing
The Vision Realized through guided advocacy
October 2006 Kareemab El-Amin

19
INTERNAL USE ONLY
Phase
Assessment Where we are now
Soft Skills Assessment
What you do well like to do want to do or would do if
given the
opportunity
Literacy Assessment
Evaluating clients literacy or level of knowledge relative to
their area of interest or need learning to read buying house
opening business etc.
The potential gain realized if the process for change is implemented an
acted on The analysis is an opportunity to determine up front the time
if
investment is justified by the potential returns
Culture Assessment
Any support challenges or changes in the home work or social
environment that will help or hinder the effectiveness of the process of

vision attainment

19
INTERNAL USE ONLY
D010000704
Phase II
Visioning Where we are going
Strategic Focus Session

Part of the of changing is avoiding the temptation to
challene
just do something To avoid
response in the moment and
instead adopt strategic approach the client and the life coach
will clearly define and tie together the clients goals and
objectives
Develop Individualized Action Plan lAP

Once the goals and objectives are clearly established plan of
action is designed lAP The Individualized Action Plan is the
initial roadmap that will help define which activities are essential
and which are distractions
Create Timeline
The timeline will reflect measurable and realistic timeframe to
reach goals and objectives
October 19 2006 Kareemah El-Amiri

INTERNAL USE ONLY
Phase III
Learning How we get there

Literacy Activities
Clients will be engaged in appropriate literacy educational business

housing social etc
development Activities are designed to ensure
consistent understanding of the process of learning and acquaint them
with the mindset skills and maturity needed to be successful
Communications Plan
At phase of the will be necessary to keep all stakeholders

every process it
aware of the thinking the purpose the plans the activities and the results of the
process
Engagement Activities
The purpose of the engagement is to make clients feel sense of involvement in
the also includes involvement with/in

implementation process Engagement
community resources and activities that will help clients reach their
goals
Learning Take Aways

As the implementation takes hold there will be opportunities to recognize
pockets of effectiveness within the process of change Recognition and rewards

given to those who make noticeable and tangible changes will reinforce new
behaviors
October 19 2006 Kareemah El-Amin

INTERNAL USE ONLY
January2007 Page 31 of 34
D010000705
Continuous Phase
Action Learning How are we doing
Monitor Measure
Before the process begins we will establish measurable goals
and outcomes is important
It to continually monitor the results
and make adjustments as needed

Measurements that establish specific consortium goals relative
to their mission and goals
Plan Evaluation
specific discipline that assesses how well we have followed

the Individualized Action Plan lAP and how close the results
match the projected outcomes
Periodic Mini-Surveys Best Practices
Surveys that give feed back on the Life coaches effectiveness
from participants they work with Periodic mini-surveys are

designed to assess how those perceptions are changing for the
better or worse as the implementation process takes hold
October 19 2006 Kareemah El-Amiri

INTERNAL USE ONLY
ALLc
The Vision Realized
The purpose of the entire process is to move

progressively toward the vision/goals
established by the Individualized Action

Plan lAP The continuous improvement
loop in the process is way to make sure
our clients are moving forward and that we

are raising the bar as time goes on

19
INTERNAL USE ONLY
D010000706
APPENDIX
COMMUNITY
PARTI .IP
LIFELONG
LEARNING
LITERACY
IMPACT
METRIC
D010000707
Literacy Impact Metrics
Description 2007 2008 2009 2010 2011 TOTAL
Volunteers recruited trained 100 100 50 50 50 350
Grades 0-3
50 50 50 50 50 250
Pt grade gain per year
Grades 4-6
50 50 50 50 50 250
pt grade gain per year
GED Test Takers 50 50 50 50 50 250
GED Partial Completers

Passed one or more of five
GED 10 10 10 10 10 50
exams
GED Completers
GED exams 40 40 40 40 40 40
Passes all
High School Recovery

within credits of
psrtcipants
graduaton 10 25 25 25 25 110
Life Skills
Assumes participation in two
or more Life Skills training
sessions 50 75 100 100 125 450
Impacted youth 50 50 100 100 100 400
Impacted families 50 50 100 100 125 425
Impacted individuals 160 175 175 175 175 860
January2007 Community Partnership for Lifelong Learning
D010000708
D010000709
Implementation of the
Local Business Consortium
Community Benefits Plan

for
Harbor Shores
HARBOR\ SHORES
By
Small Business Services
to
D01000071
Small Business Services Cornerstone Alliance
Implementation of the Local Business Consortium
Community Benefits Plan for Harbor Shores
Executive Summary
Healthy local businesses are basic component of strong sustainable communities They provide essential
amenities and generate job opportunities for residents that keep money circulating within the community
rather than draining it outward as quickly as it was attracted project such as the Harbor Shores
development provides opportunities for local enterprises both existing businesses as well as entrepreneurial
ventures to expand their operations and to maximize their wealth generation ability
The Local Business Consortium targets small businesses that are located within the communities impacted
by the Harbor Shores development special emphasis is given to businesses owned by people of color
known as minority-owned business enterprises as well as women-owned business enterprises
Challenges facing these businesses include access to capital training equitable contracting prospects and
venture and partnership opportunities local businesses often overlooked in

joint Additionally many are
major development projects in favor of larger businesses from outside the area Such biases inhibit growth
opportunities for local and small businesses and stifle community development
The Local Business Consortium LBC was established in the late spring of 2006 as forum for the inclusion
of local businesses into the planning of the Harbor Shores development The initial membership of the
consortium reflected the emphasis upon the construction trades during the early phases of Harbor Shores
Both well-known general contractors as well as subcontractors with wide range of experience were
included in the Consortium Membership also includes staff of Cornerstone Alliances Small Business
Services SBS Plans to expand the consortium into include suppliers local retail and service providers are
already underway
The LBC will establish program to create opportunities for those businesses to benefit from the economic
activity generated by the Harbor Shores Project These activities will be delivered within two primary
program areas contractor assistance and development and entrepreneurial small business development
The Contractor Assistance and Development Program CADP will initiate immediately to take
advantage of the momentum generated around the Harbor Shores project and provide gateway for
local contractors to realize benefits during the construction phase of Harbor Shores
The Entrepreneurial/Small Business Development E/SBD initiatives will provide opportunities for
long-term successes as entrepreneurs are identified and their businesses are nurtured through this
support and assistance plan
These programs coordinate with both the Housing and Home Ownership Consortium of the Council for
World Class Communities as well as the Literacy Education and Workforce Solutions Consortium of the
Community Partnership for Lifelong Learning
The LBC staffed by Cornerstone Alliances SBS will work primarily with the Citizens for Progressive
Change CPC and other local organizations to help populate the

programs
D01000071
LBC Candidate
Identification
CP/LocaI Organizations
Initial LBC Candidate
Assessment
CPC/SBS
LBC Contractor LBC Entrepreneurial
Assistance Small Business
Development Development
Three assessment tools have been developed to help the CPC staff identify those candidates that are ready for
participating in LBC programming These assessments tools include the following and are attached to this
document as Exhibit
Is Entrepreneurship for You planning checklist for individuals considering entrepreneurship
Prescreening Assessment Checklist tool for CPC staff and others to use when discussing
entrepreneurship with individuals
Business Readiness Assessment Checklist -- This tool developed and used by Cornerstone
Alliances Small Business Services division is discussed with entrepreneurs during their first
counseling session
Through the efforts defined below the LBC will be successful in achieving the following long-term goals
Increasing the number of local business start-ups from last years number by 20% each year
Developing stronger local businesses by increasing participation in CORE FOUR training
programs by 20%
Encouraging local businesses to hire local employees by member participation in three local
job fairs each year

Establishing 25% local business participation goal for the Harbor Shores project by
initiating and tracking benchmarking data
Following is detailed description of each component of the Local Business Consortium Implementation
Plan proposed 5-year budget for each component has also been developed and is included as Exhibit
Additionally priority budget for Year is included in this spreadsheet that indicates all LCB activities can
be initiated in 2007 for under $100000
Contractor Assistance and Development Program CADP

The Contractor Assistance and Development Program CADP will initiate immediately to take advantage
of the buzz around the Harbor Shores project and provide gateway for local contractors to realize
benefits during the construction phase of Harbor Shores
Local Contractor Assessment and Directory
Local Contractor Assessment and Directory
Program Summary
Participants Local contractors and subcontractors
D010000712
Accountability Small Business Services SBS staff of Cornerstone Alliance will take the lead
in developing updating and printing or electronic dissemination of the Directories Harbor
Shores management and project developers will

help distribute to materials to other developers
and general contractors
SBS staff will also work to locate suitable location for the Plan Room for Harbor Shores
and other projects so that development plans and blueprints can be accessible to all
contractors The Plan Room will serve as library of project plans and specifications where
subcontractors may check-out bidding documents and receive access to Harbor Shores
project information including plans specs and addenda for bidding Harbor Shores
construction projects and other projects posted in the plan room
Local and regional general contractors will be encouraged to share private projects posted in
their Corporate Construction Offices by utilizing the Plan Room to post preconstruction and
bidding opportunities for their privately bid work Through this network LBC registered
subcontractors will have the ability to request access from general contractors to bid on
private projects posted in their Construction Offices This is one more way that the LBC can
help subcontractors find additional opportunities for work and cultivate new relationships
with general contractors looking for additional participation in their projects
Objectives The Directory will provide an avenue to increase the exposure of local businesses
and thereby their prospects for increased opportunities The Plan Room will provide earlier
access so that local contractors can plan ahead to bid on projects
Expected Outcomes The LBC will develop directory designed to identify local contractors
and subcontractors Project developers and general contractors hired to build Harbor Shores
product are more likely to consider local contractors if the LBC provides easy access to them
This Directory will be updated every six months and distributed to the Harbor Shores
development team Additionally the Plan Room will spur early financial and construction
schedule planning encourage local contractor partnerships and lead to local involvement on
larger contractors
Implementation The Local Contractor Directory will be presented to all developers and
contractors as they are interviewed about the project All Harbor Shores developers should be
required by contract to make their project blueprints available through the Plan Room at least 20
days before bids are taken
Timeline The first draft of the Directory is complete as of September 2006 Updates will be
added on semi-annual basis The Plan Room should be open and information dispersed to
Directory members prior to the first bid letting for the Harbor Shores Project
Metrics LBC Directory will be developed and updated bi-annual during the first three years
and annual thereafter
The LBC will work in conjunction with an existing program for contractors funded in part by the Michigan
State Housing Development Authority which provides twelve week contractor training This program is our
starting point for developing local contractors that could benefit from the Harbor Shores project Upon
completion of the Spring 2006 program graduates were assessed according to their specific trade in terms of
experience equipment bonding capability and insurance coverage This information is now being
DOI000071
incorporated into revised Local Business Directory for distribution to participant contractors in the Harbor
Shores development
Incentives to contractors including CADP graduates of up to 10% of the contract amount have been
factored into the planning of many of these tasks Harbor Shores Plan Room containing details on the
project will be available to local contractors seeking relevant work opportunities Speaker identification for
continued development meetings is currently underway to ensure continuity and ongoing involvement Our
goal is to provide additional educational opportunities networking and practical experience in manner that
will expand the overall capabilities of contractors in the region consistent with the overall employment goals
of Harbor Shores
Contractor Development Program
2006 2007
Oct Nov Dec Jan Feb Mar Apr May June July Aug
Conduct
Assessment of
MSHDAs CAP
Graduates
Draft Local
Business
Directory and
Distribute along
with updates
Identify location
and open Harbor

Shores Plan Room
Quarterly
Contractor
Development
Meetings
Diversflcation of Development Opportunities
DiversjIcation of Development Opportunities
Program Summary
ParticiDants Local Business Consortium including local Contractors Subcontractors and SBS Staff
as well as CAP Graduates Developers City of Benton Harbor
Accountability LBC SBS Staff including LBC Program Manager
The diversification efforts will produce teams of lesser experienced contractors capable of
Objectives
performing three residential rehabs per year We hope to build capacity by connecting teams of
contractors that work together to finish rehab projects
Specifically we will coordinate an A-Team of contractors which will consist of one specialist in
each area an excavator mason framer drywall installer roofer and painter If the local
talent exists we will expand to include an electrician plumber and an HVAC contractor With
oversight from local General Contractor project coordinator will supervise the A-Team on
D010000714
residential rehabilitation project to build experience in all aspects of rehab project including skill
building timing concerns and teamwork Additional contractors will either be worked into the
Team or additional teams will be developed if the talent pool exists
We will work in conjunction with the Literacy Education and Workforce Solutions LEWS
Consortium managed by the Community Partnership for Lifelong Learning CPLL to identify those
individuals who may either have desire to become an independent subcontractor and to assist those
individuals for career in construction with finding employment with participating

looking
subcontractors
Expected Outcomes Expansion of the subcontractors relevant work experience and interaction with
the major General Contractors as well as the rehabilitation of existing residential properties and the
development of future commercial facilities
Location of Activities Greater Benton Harbor with an emphasis on the area surrounding downtown as
well as the major feeder corridors to Harbor Shores These corridors include Pipestone East Main
Street Britain Empire and Broadway
Implementation While the CAP graduates will be promoted for inclusion on all upcoming
construction activities much of the work detailed above will actually result from the input of the Block
Club Corridor Analysis and the Feasibility Study which will be conducted in the spring and summer
of 2007
Timeline Preliminary activities can begin in conjunction with the Spring of 2007 round of faade
grants pick up additional direction from the Block Clubs and community based organizations and
continue through the design and construction activities related to the new service and retail
requirements identified in the feasibility study
Metrics Over the five-year implementation period to 11 contractor teams are formed including five
up
A-Teams and up to B-Teams consisting of framers painters roofers and carpenters It is envisioned
that these teams will be the core of our areas small and minority contractor base and Teams will
play prominent rolls in completing 21 commercial and residential faade projects
In an effort to expand the capabilities of our local contractors the LBC seeks to provide practical experience
in residential projects that are driven by local market opportunities The transportation corridors feeding
downtown Benton Harbor as well as the entry points from Harbor Shores to the Benton Harbor community
offer
many rehabilitation options ranging from minor repairs and upgrades to complete renovation projects
While the Pipestone and Empire corridors will see the most immediate impact of Harbor Shores East Main
Street and Broadway will also be impacted locally-funded faade grant program in conjunction with
funds from the Cool Cities program which has focused on commercial buildings in the downtown area
will be expanded to include residential buildings within these corridors and will present many viable small
scale projects
The Housing and Homeownership Consortium managed by the Council for World Class Communities
CWCC is expected to further increase the demand for residential rehabilitation opportunities The LBC
will work with homeowners wishing to embark on improvement projects to not only improve the housing
stock within the City of Benton Harbor but also to provide additional training opportunities to the LBC
contractors and subcontractors Grants and loans will be available directly to the residential property owners
process and review upon need and

for an based to repay
improvements through application ability
In June the LBC hosted mobile meeting of its members and participants identified several areas
surrounding Harbor Shores and downtown Benton Harbor that will experience great
deal of growth retail
DOI000071
and service clusters resulting from the Harbor Shores development These businesses will address
additional long term employment needs as well as construction work opportunities feasibility study to
specific details such as the types of businesses their staffing and facility requirements training
generate
of Harbor Shores the entire community
needs and access to capital will bring the long term effects to
commercial building rehabilitation will provide contractors with more advanced

Subsequently large projects
construction experience while entrepreneurial training based upon the studys results will ensure greater
probability of success for the retail and service entities The LBC will design an evaluation/appraisal format
for these properties under consideration for rehabilitation
The LBC members have also identified areas in which the acquisition and rehabilitation of residential
will add to the level of the contractorsall while providing affordable housing options
buildings experience
to the community Residential faade grants and revolving loan fund for residential improvements would
help ignite housing stock improvements and community pride along the targeted corridors The CWCC
through its Housing and Homeownership Consortium can further assist in identifying potential buyers for
these residential units
Contractor Diversification Program
2007 2008
June Sept Oct Nov Dec Jan Feb

Apr May July Aug
Continuation of
Commercial Faade
improvement program
Expansion of
Residential Faade
improvement program
Initiate Mentor/ProtØgØ
program
Offer residential
revolving loan fund
Identification of
residential contractor
work
Identification of
commercial contractor
work
Assemble A-Team
and Initiate Work
Product
Technical Assistance
Technical Assistance
Program Summary
ParticiDants Local Business Consortium including local Contractors Subcontractors and SBS Staff
as well as CAP Graduates and the Home Ownership Consortium
Accountability LBC SBS Staff including LBC Program Manager
in the program subcontractors will achieve higher level of

Objective Through participation
and that will ensure their long term viability General Contractors will
experience sophistication
develop mutually beneficial relationships with subcontractors
D01000071
Expected Outcomes Formalization of the Subcontractor/General Contractor relationship to the benefit
of both parties The General will gain from an expanded pooi of experienced subcontractors while the
subcontractor will gain from the experience as well as by expanding into commercial projects in which
access not have previously existed

may
Location of Activities Under the supervision of the LBC the mentor/protØgØ work relationships will
perform work in the Greater Benton Harbor area
Implementation The LBC will review the results of meetings with Block Clubs and other community
based organizations and the Feasibility Study as well as plans of the Home Ownership Consortium to
compile list of work that will provide the necessary scope and experience to involve both the mentors
and the subcontractors in an endeavor that will benefit both groups Mentor-ProtØgØ relationships will
be encouraged in Harbor Shores-related projects and other development projects throughout the
Incentives for mentoring will be negotiated with General Contractors during the bid process
region
Timeline As the major commercial projects identified in the feasibility study commence targeted for
late 2007 the LBC can start to identify work of sufficient size that justify incentives to the General
Contractors and experience for the subcontractors
Metrics contractor teams and business training sessions and

Up to 11 will be instructed through
mentor/protØgØ relationships
comparison of various mentor/protØgØ programs including those managed by the US Small Business
Administration SBA the City of Grand Rapids and the State of Michigan have provided insight into the
successes and failures of these programs The LBC is working to create model to be incorporated locally
between the large local General Contractors and the CAP graduates Financial incentives for serving as
Mentor will help these General Contractors compete for projects as they develop sub-contractors on these
commercial projects It is anticipated that these incentives will be an additional percentage of the bid
contract awarded to the General Contractor up to 10%
Contractor FinancialAssistance
Contractor Financial Assistance
Program Summary
Participants Harbor Shores developers SB Staff Local contractors and subcontractors
Accountability Harbor Shores will provide funds for lending LBC and Small Business Services staff
will develop program guidelines and administer/service loans
The funds will provide small businesses

necessary to develop
working capital in
Objectives
conjunction with the technical assistance and practical work experience gained through the other
components of the overall program
Expected Outcomes LBC will identify seed funding through local state and national sources looking
at both grant and loan programs Businesses will have an avenue to acquire needed capital that is
possibly less onerous than traditional sources making it more likely that they will participate directly
or residually in the Harbor Shores project
Location of Activities Throughout greater Benton Harbor area
DOI000071
Imilementation The Local Contractor Financial Assistance LCFA Fund will be presented to all
developers and contractors as they are interviewed about Harbor Shores LBC and/or Home Ownership
Consortium approved projects Draft loan guidelines and operating procedures are in place see
Exhibit and the fund will be managed by Cornerstone Alliance
Contractors that are not successful in obtaining financing from this fund will be referred to the Peer
Group lending program With seed money from the Local Business Consortium this outside group to
be determined but could include membership from CAP graduates CPC or the Band of Brethren will
themselves as the lender of last resort They will charge the same or higher interest rates as
organize
the LCFA and will only review those requests that have been turned down by LCFA The purpose of
this secondary lending is to allow those that cannot obtain market financing due to project
program
scope longevity in business credit history past repayment practices etc to apply for funding It is
that the Peer will provide social to insure that loans are paid because future
expected Group pressures
loans from this fund to other peer contractors will be dependent on having funds available
secondary alternative under consideration would be for the Local Business Consortium to work with
to make available to the contractors the supplies they will need to

local building supply companies
complete project The LBC would then be able to collect from the contractor at the time final
payment is made
Timeline Upon acquisition of the revolving loan funds this

program will initiate It is anticipated
that the funds will be identified in early 2007
Metrics Over the five-year implementation period ten and B-Team contractors will qualify for and
receive revolving loans for working capital needed to complete Harbor Shores related projects Local
General Contractors utilizing and B-Team sub-contractors can benefit from GC incentives 12
residential revolving loans are issued to BH residents for home improvement projects that are
contracted with and B-Team contractors
with the funds necessary to grow

loan fund will contractors their companies
revolving initially provide
and workforce expansions As these funds are repaid the
through equipment purchases working capital
dollars would then be available for the startup or expansion of retail and service companies in conjunction
with the Small Business Development activities

program
D01000071
Contractor Loan Fund
2007 2008
Apr May June July Aug Sept Oct Nov Dec Jan Feb
Establish Program
Parameters
Acquisitionof
Loan Funds
Promote RLF Fund

to LBC
Contractors and
close loans
Identify partners
and Establish Peer
Group Loan
Program
Promote Peer
Fund to LBC
Contractors and
close loans
flow chart of the LBC Contractor Assistance and Development Program is provided on the following
page Definitions of the available resources and programs referred to in the flow chart are attached as
Exhibit
10
D01000071
LBC CONTRACTOR ASSISTANCE DEVELOPMENT
LBC Candidate Assessment
Local Business Training Opportunities
LBC CONTRACTOR ASSISTANCE LBC CONTRACTOR DEVELOPMENT LBC CONTRACTOR DEVELOPMENT
Licensed Licensed Not Licensed
Credit Capacity Limited Bonding Credit Capacity No Bonding or Credit Capacity

Bonding
Years of Years Experience Less than Years Experience

Experience
Track Record Limited Track Record Limited Track Record

Significant
Possess Required Equipment Access to Required Equipment Limited Access to Required Equipment
Week CORE Four

Formalization of Subcontractor Contractor Development Training
Business Course
General Contractor Relationship LBC CAP Planning
Economic Literacy Economic Literacy

A-Teams
NA
Home Commercial Contractor LBC

Week CORE Four
Improvement Development Business Course Development Entrepreneurial

Planning
Tract Tract Training Development
Assessment Assessment LBC CAP SBS
BTeams
Local Contractors Financial
Assistance Fund
Formalization of and Team
Eligible for loan over $5k
Relationship
Track record determined by proven

Home Commercial Home Improvement Tract Execution
and value of
experience volume
Improvement Development Subcontractor for -Team
work demonstration of successful
Tract Tract
and significant projects and project
Execution Execution
references and referrals
Local Contractors Financial
Assistance Fund
Eligible for loan less than $5k
Team Member Achieves
Bonding Credit Capacity
Years of Experience
Significant Track Record
Required Equipment
11
D010000720
Entrepreneurial/Small Business Development E/SBD
The Entrepreneurial/Small Business Development E/SBD initiatives will provide opportunities for long-
term successes as entrepreneurs are identified and their businesses are nurtured through this support and
assistance plan
Analyze Corridors
Corridor Analysis
Program Summary
Participants SBS Staff including Local Business Consortium Program Manager and LBC members
City of Benton Harbor Benton Twp
Accountability Local Business Consortium Program Manager with assistance from other SBS staff
will schedule and conduct Block Club other community based organizations and resident meetings
Objectives In addition to the work experience opportunities for the local contractors the community
will have forum for vocalizing the needs and wants of their area
Expected Outcomes Information about the needs and characteristics of neighborhoods will be
gathered Neighborhood needs and resources identified and wish list developed
Location of Activities Primary Benton Harbor/Benton Township thoroughfares including Pipestone
Street Main Street Britain Ave Empire Ave and Broadway Street
Implementation Local Business Consortium Program Manager should be funded and join the SBS
staff before the end of 1St quarter 2007 Exhibit provides draft of the positions job description
Timeline Block Club/resident meetings and neighborhood canvases and needs identified by end of
quarter 2007
Because the Local Business Consortium can only estimate the businesses that will be supported within any
residential we need to determine that our estimates are consistent with what the
particular neighborhood
residents feel is needed The LBC members will canvas various neighborhoods and meet with Block Clubs
to gain input on the needs of the neighborhood from the perspective of neighborhood residents
Feasibility Studies
The LBC will commission feasibility study to determine the opportunities for small businesses as well as
services that will be required to support these entrepreneurs
Feasibility Study
Program Summary
Participants USDA EDA SBS Staff including Local Business Consortium Program Manager
Accountability The LBC Program Manager and LBC will oversee the consultant study though regular
updates to ensure an accurate study will be completed in timely manner
12
D010000721
Objectives The feasibility study will provide an objective interpretation of the projected impacts of
Harbor Shores upon the small businesses in the community and their corresponding needs This will
the opportunity resources in the successful and/or

provide to ensure that all are place to ensure startup
growth of our local businesses
Expected Outcomes An experienced outside consultant will assess the probable impacts of Harbor
Shores upon the business community and surrounding neighborhoods The identification of retail and
service business opportunities for supporting the project will be conducted as result of the Harbor
Shores project with details of their financial training and facility needs
Location of Activities Throughout the municipalities surrounding Harbor Shores downtown Benton
Harbor and the major access thoroughfares leading to both downtown and the Harbor Shores
development
Implementation Application to USDA/EDA followed by formalization of the Feasibility Study
guidelines and consultant selection criteria in anticipation of securing funding will begin immediately
with consultant selection and feasibility study funding targeted for the Second Quarter of 2007
Feasibility study results targeted for Fourth Quarter will be analyzed by the LBC for submittal to the
relevant sub-groups and committees
Timeline First
quarter 2007 for submission of feasibility study funding applications with receipt of
funding targeted for second quarter 2007 Upon funding LBC will review the scope of the feasibility
within 120 of the letting

study and evaluate potential consultants The study should be completed days
of contract
Metrics Over the five-year implementation period new businesses and 25 new job opportunities
will be assisted
the cost and likelihood business

feasibility study will be necessary to ascertain of the success of
incubator or neighborhood business corridor The feasibility study will lay the groundwork for successful
incubation program and help determine whether the proposed project has all the factors crucial to an
incubators successa solid market sound financial base and strong community support The same
considerations and results would be drawn from the business corridor section of the study
13
DO10000722
Small Business Feasibility Study
2007 2008 2009
01 02 03 04 01 02 03 04 01 02 03
Funding
application for
studygrant
Issue RFP for
study and
Contract award
Ongoing Review
of Study Progress
Completion and
Review
Identification of
commercial
contractor work
Entrepreneurial
Training Needs
Small Business Incubator
Small Business Incubator
Program Summaiy
Participants USDA EDA Harbor Shores Local Business Consortium and the Program Manager
Accountability The LBC the Incubator Manager to be identified
The Small Business Incubator will provide an environment conducive to the development
Objectives
of area businesses through the sharing of resources and networking
ExDected Outcomes Funding from USDA/EDA and Harbor Shores to conduct Feasibility Study fund
building retrofit and help fund initial operations Incubator businesses will become established and
sustainable during their start up phase and provide economic and fiscal community benefits
Location of Activities downtown Benton Harbor location is preferred
Imilementation The planning of the facility and selection of its management team will
thorough
provide an efficient environment for developing businesses permitting them to grow into independent
operations in their own facilities in reasonable timeframe
quarter 2007 to secure targeted

Timeline first building Assuming targeted building is secured
Target
applications to USDA/EDA will be submitted for feasibility study with receipt of funding targeted for
fourth quarter 2007 Utilizing the Feasibility Study and past experiences of the LBC members the
facility design requirements will be identified to accommodate the anticipated mix of businesses
Staffing needs will also be finalized as will the equipment requirements Second quarter 2008
retrofit completed and incubator begins operations
14
DO10000723
Metrics Over the five-year implementation period 6-8 new businesses will be developed creating 15
new jobs
The Harbor Shores Business Incubator HSBI will be facility designed to assist businesses to become
established and sustainable during their start

up phase The Incubator will provide shared facility for start
up and young businesses Tenants will benefit from business assistance services networking opportunities
and rental with flexible leases shared basic office services and access to equipment all under one roof
space
The incubator will provide tangible benefits to firms such as lower operating costs and access to services as
well as intangible benefits such as moral support advice from other tenants and access to information
Tenant and graduate businesses provide economic and fiscal benefits to our local community through the
creation ofjobs and income and the payment of state and local taxes
The main goal of the HSBI is to nurture the development of entrepreneurial companies helping them survive
and grow during the start-up period when they are most vulnerable The HSBI will also help produce
companies that create jobs and wealth in our communities
Feasibility Study funded in part by the U.S Department of Agriculture USDA and/or the Economic
Development Administration EDA

Land Acquisition If targeted facility is not made available funds will be needed to identify an
alternative site If targeted facility is made available land acquisition funds would be needed for
environmental review and site clean-up

RehabilitationlConstruction Cost Targeted facility will require significant reconfiguration
weatherization and rehab including considerable expense to construct commercial kitchen major
draw homebased businesses Funding assistance for the kitchen incubator section of
for many local
the HSBI will be sought from the USDA

Building Overhead Expense Utilities and maintenance expenses We anticipate that this cost will be
made more manageable as result of the planned building weatherization
Staffing and Training successful business incubator has full-time hands-on management team
The HSBI will be program of Cornerstone Alliance Small Business Services and as such will draw
upon Small Business Services staff and its programs to help provide services to HSBI tenants
Existing SB staff will provide support services for HSBI however HSBI team will be necessary
and will include
Fulitime HSBI manager responsible for facility tenant oversight and coordination of
business assistance services kitchen incubator facilities and scheduling
Receptionist
Part time building maintenance person
The LBC will continue to work with customers of the LEWS Consortium as well as area residents receiving
assistance from the Citizens for Progressive Change to identify candidates for entrepreneurial training that
could benefit from location within the HSBI
15
D010000724
Business Incubator Study
2007 2008 2009
Qi Q2 03 Q4 QI 02 03 Q4 01 Q2 Q3
Funding application for
study grant
issue REP for study and
Contract award
Ongoing Review of
Study Progress
Completion and Review
Incubator Funding
Identification
Application and Award
Selection and
Rehabilitation of Facility
Opening of Small
Business incubator
Entrepreneurial Training
Entrepreneurial Training
Program Summary
Participants Small Business Services including the Womens Business Center and SCORE with input
from the LBC and Literacy Education and Workforce Solutions Consortium
Accountability Cornerstone Alliances Small Business Services Division
Objectives New business enterprises

with stronger expectations for success due to more thorough
preparation enhance economic development by providing small businesses with management and
technical assistance
Expected Outcomes The development of new training offerings that will address practical issues that
area small businesses face on daily basis
Location of Activities The Resource Center at Cornerstone or training facilities at the local college
campuses
Implementation Small business training the of the Feasibility Study all

is ongoing Upon completion
parties will review newly identified training needs and contrast them to the existing offerings at
Cornerstone and other local recourses They will then identify training programs or local business
experts in these areas that will supplement available courses and provide them to the new
entrepreneurs
Timeline Taking advantage of existing training opportunities provided by SBS and other local
entities training is ongoing Training and financial requirements of the anticipated new businesses will
be included as component of the Feasibility Study Once the consultant has completed the Study all
involved parties will review the training recommendations to identify any new training requirements
16
DO10000725
This is expected to occur in the forth quarter of 2007 with newly identified training needs added to
existing training programs
Metrics Over the five-year implementation period new franchises will be established by program
participants
This program activity will consist of the training and transmittal of information focused on subjects not
thoroughly covered by other entrepreneurial training resources i.e business law including environmental
and contract issues affecting small-business owners This training will also include providing experts who
can speak to specific business opportunities that are compatible with the both the identified needs of the
community and the desires of local entrepreneurs i.e franchising opportunities
Program Summary
Participants LBC Developers Harbor Shores
Accountability The LBC
Objectives The meetings will provide forum for the involvement of smaller companies that
may not
have had the opportunity to hear and discuss the benefits and issues resulting from the Harbor Shores
development
Expected Outcomes Greater networking for smaller businesses permitting them to offer feedback on
Harbor Shores as well as to gain insight into business opportunities training or financial
potential
programs that are available to them
Location of Activities Benton Harbor
Implementation Under the direction of the LBC the meetings will commence early 2007 Promotion
through all involved parties and the Communication Department of Cornerstone is necessary to ensure
widespread participation and community benefit
Timeline of 2007 and continuing throughout the life of the project

Spring
Metrics Over the five-year implementation period 30 small business will start-up or be enhanced
through training sessions offered
These meetings will be targeted to contractors and other service providers who are looking for Harbor
Shores business opportunities Participants will meet quarterly more frequently if needed to review
Harbor Shores progress interface with developers identify special business needs training and
requirements relative to the Harbor Shores development
17
DO10000726
Entrepreneurial and Small

Business Training
2007
Feb Mar Apr May June July Aug Sept Oct Nov Dec
Conduct
Franchising
Seminars
program
Host 6-Week
COREFOUR
Program
Host Business
Training
Opportunities
Program
Host WNET
Entrepreneurial
Roundtables
flow chart of the LBC Entrepreneur/Small Business Development Program is provided on the following
page
18
D010000727
LBC
Entrepreneual
Development
Startup Business
Existing
New entrepreneur or businesses in
Business operation for less than 12 months
Business Business Readiness
Assessment Assessment
Technical CORE Four
Assistance Business Planning Course
SBS SCORE SBS
Financial Assistance Econom Literacy
Harbor Shores
Renaissance Development Fund
SBA
Local Banks based Business
Incubator Tenant Home
Professional Development
Business Mentor Relationship
SBS
Financial Management
SCORE
E-Business for Small Business
Chamber of Commerce
Accounting for Small Business
Banks
Quicken Basics
FranNet
SBS SCORE Chamber of

Incubator Graduation
Commerce SBDTC
Facility Development Assistance
If Needed
Cornerstone Alliance
Local Municipalities
Realtors
19
D010000728
Administration of Local Business Consortium
In order for the goals and objectives of each program area to be successful sufficient management and
administration should be allocated will be hired an of

Program Manager at approximate compensation
$55000 per year salary and benefits to work entirely on the development and implementation of this
program including serving as staff to the Local Business Consortium
In lieu of securing for the five-year plan Cornerstone Alliance has structured budget for the first
financing
This modified
year of the program 2007 to initiate these activities for less than $100000 budget is
included in Appendix
20
D010000729
Exhibit
LBC Assessment
Documents
21
D010000730
Is ENTREPRENEuRsHIP FOR You

Is En1repreneurshi For You
An entrepreneur is one who assumes the financial risk of the initiation operation and management of
given business or undertaking
There is no way to eliminate all the risks associated with starting business However you can improve
your chances of success with good planning and preparation good starting place is to evaluate your
strengths and weaknesses Carefully consider each of the following questions
Are you self-starter will be up not someone else to develop and follow through on
It to you projects
details
How well do you get along with different personalities Can you deal with demanding client an
unreliable vendor or cranky staff person
How good are you at making decisions Small business owners are required to make decisions constantly-
often quickly under pressure and independently
Do you have the physical and emotional stamina to run business Can you face 12-hour work days six
or seven days week
How well do you plan and organize Research indicates that many business failures could have been
avoided through better planning
Is your drive strong enough to maintain your motivation Strong motivation can make the business
succeed and will help you survive burnout
How will the business affect your family The long hours and stress of starting business can be difficult
upon family It is critical to have support at home
On The Upside
Its true that there are lot of reasons not to start your own business But for the right person the
of business ownership far outweigh the risks

advantages
You get to be your own boss

Hard work and long hours directly benefit you rather than increasing profits for someone else
Earning and growth potential are far less limited
new venture is exciting
Running business will provide endless variety challenge and opportunities to learn
22
D010000731
PREscREENING ASSESSMENT CHEcKLIST
Who is ready to be an entrepreneur
Initial life skills assessment should be performed by CPC to verify that there are no educational
social or familial issues that would hinder the individual in his goal of business ownership
Items such as transportation child care and family cash flow must be considered
Are there credit issues that might limit the individuals ability to assemble the necessary funding
for business start-up Yes or no
Does the individual have experience in the particular field that he has selected
Has the individual performed supervisory tasks in the past
Does the candidate understand the basics of business planning as outlined on the Readiness
Assessment Checklist
Is the individual willing to dedicate the time and effort to write business plan
23
D010000732
BUSINESS READINESS ASSESSMENT CHECKLIST
Business Plan is performance tool and road map for your business
The plan reflects your ability to plan and organize your business concept
and your depth of business InowIedge
MARKET
Products/Services Is your product or service clearly identified Clearly identify and

describe the product or seivice your customer
to Describe what customer need
or want is being filled and the features and benefits to your product or seivice
Distribution Have you identified appropriate methods of distribution for
your product or service What is the cost and how you will distribute it
through other stores or vendors Will you travel to customers home
Industry What knowledge do you have of the industry What are the
industry trends on local regional and national and
international basis Is this Fashion fad Know the histoty and statistics
and what the future may hold for this industly Sign up with that association
Competition Who will

you be competing against What are their strengths
and weaknesses How will your business compare Check out
your competitors Know their strengths and weaknesses List what you will offer
that they dont Know how you will stand out
Position What will be your position in the marketplace Is it clearly
identified Will it be difficult to establish Whatis your
competitive advantage why will customers buy from you instead of the
competition
Packaging/Image How you package your product or service Is

will it
appropriate Do you have an appropriate location for your
business What the image of your business

will be What your will
packaging look like What do your business cards and promotion al material
look like Where will your business be located and why did you choose this
location
24
D010000733
Promotion Do you have plan to promote your product or service Is it
affordable Important Have you considered brochures business cards

flyers word of mouth promotional or grand opening idea or event
Pricing How will you determine pricing for your product or service
Will
you price higher lower or the same as your
competitors How did you determine your pricing Do your prices compare
to the competition
Selling Who will be responsible for sales What are their

qualifications for selling your product or service Is the person
qualified dependable
MANAGEM ENT
Who will manage Will you manage the business yourself If someone else will
be managing your business do they have the training skills

and experience necessary List who will handle which functions and
how you will
manage sales tax recordkeeping and inventoty
Readiness Have you researched and obtained the necessary licenses

permits tax IDs etc Find information vvww.michigan.qov You can
obtain DBA through your local County Clerks Office Tax ID number is
obtained through the IRS
Record Keeping Do you have record keeping system in place

Create recordkeeping system Be familiar with tax and reporting laws CPA
can help SCORE Counselors can also assist you
Policies/procedures Have you created policies and procedures for your business
Who will handle accounts customer service inventory
management etc Have policies in place Will you accept cash credit
or checks
25
D010000734
Risk Management Do you have the proper insurance in place You may check with
Home/Auto Insurance carrier for quotes
MONEY
Personal finances Do you know your personal income expenses and net worth
Have savings to invest into business If
you cant invest into it will the Lender
invest into it
Credit worthiness Do you know your credit history Have you obtained copy
of your credit report Get your free credit report
www annualcredit report corn
Cash flows Have you done two years of cash flow projections for your
business Figure out the owners draw taxes and sales
projections Projection sheet will break down what your living expenses are
as well as the additional expenses for the business Whats the number you
need How many services or products are required per month to meet it and pay
you
Start up working Have you identified what you will need to get your business
Capital needs started Do you have sufficient capital List your start-up costs
Breakeven At what point will your business break even Is it an

attainable level Can you continue to sell above that level
Do you want to Do the homework on finding out how many products or
services you have breakeven your expenses your personal

to sell to with for life
and the business
Collateral Do you have sufficient collateral for any loans you have or
may need Home Business equipment
26
D010000735
CONTINGENCIES
Sales below projections What will you dont make your sales projections
happen if
How long can you maintain How much money is needed to maintain
Expenses increase What happen if your expenses increase unexpectedly

will
Temporarily Permanently Gas prices product prices lease or rent

etc..
Competitor aggression How will you handle competitor aiming to put you out of
business Can you survive What you do competitor lowerswill if its
prices
Illness emergency Who will operate the business if

you cant Short term
Long term Family friends What are their qualifications
Cant make payments How will

you pay the bills of the business if the business
cant Whats PLAN
Action Plan next steps
Thank you for visiting the Small Business Services today

Our contact information is below
Small Business Services
at Cornerstone Alliance
38 Wall Street Benton Harbor Michigan

Phone 269 925-6100
Fax 269 925-4471 27
D010000736
Exhibit
Proposed 5-year Budget

for LBC Operations
28
D010000737
Exhibit
Draft Guidelines for

Local Contractor
Financial Assistance
LCFA Loan Program
29
D010000738
Harbor Shores Local Contractor Financial Assistance Fund
Loan Guidelines Operating Procedures
The Harbor Shores Local Contractor Financial Assistance Fund the Fund was created to provide short-term one
year or less working capital loans to help contractors and sub-contractors who have received contracts resulting
from Harbor Shores LBC and/or Home Ownership Consortium approved projects cover contract related
expenses
and purchase equipment materials and supplies needed to complete an awarded contract The Fund will increase
the amount of short-term financing available to local small contractors and in particular reach those that have
traditionally had difficulty in accessing such financing minorities women low-income individuals those without
adequate credit histories and the operators of very small construction businesses While these are the priorities
for the
program most small construction concerns may be eligible
Eligible Borrowers Contractors and sub-contractors who have received contracts resulting from Harbor Shores
LBC and/or Home Ownership Consortium approved projects
Finance Instrument Direct loans between the Fund and the borrower
Uses of Funds Working capital equipment materials and supplies
Terms Up to 12 months no penalty for early repayment
Rates Fixed rate determined on case-by-case basis based on the strength of application
Criteria The of business plan/economic of business

major criteria for this program are quality viability
experience personal character credit history and collateral
The Fund is not intended to replace conventional financing and applicants should first seek financing from local
banks and other financial institutions Should the contractor be unsuccessful in securing funding from local
financial institutions the contractor can then apply to the Fund for financing consideration
LCFA borrowers must demonstrate that they have the Capacity to repay the loan The Fund will consider the cash
flow from the business the timing of the repayment the probability of successful repayment of the loan and the
borrowers contingent sources of repayment Payment history on existing credit relationships personal and
commercial is considered an indicator of future payment performance
The Fund may decide subjectively whether or not the borrower is sufficiently trustworthy to repay loan The
borrowers educational background and experience in business and in the trade/industry will be reviewed by the
Fund The quality of the borrowers references and the background and experience of the borrower and employees
will also be considered
Collateral Business assets personal assets and personal guarantees Collateral or guarantees are acceptable
forms of loan security Assets such as equipment buildings and in some cases accounts receivable may be
considered acceptable collateral Both business and personal assets can be sources of collateral for loan
guarantor someone else signs guarantee document promising to repay the loan if the borrower cantt is
acceptable provided the guarantor is satisfactory to the Fund The Fund may require such guarantee in addition
to collateral as security for loan
Range of LCFA Financing Loans from $500 to $35000 while the average loan is roughly $10000
Technical Assistance Cornerstone Alliance and the Local Business Consortium offer one-on-one business
and seminars Borrowers be required attend seminars as condition of the

counseling training may to training
loan
30
DO10000739
Social Impact Reaching members of minority groups women low-income individuals and veterans is
priority
of the Local Contractor Financial Assistance Fund
Examples of Client Businesses General contractors sub-contractors dry wall contractors electricians
plumbers framers flat-workers painters landscapers etc
LCFA loan Committee Comprised of representative from the Local Business Consortium the Home
Ownership Consortium and Cornerstone Alliance
Application Process
For Start-Up Construction Related Businesses The first step is to discuss the borrowers situation with
Resource Development Coordinator at Cornerstone Alliance to assess the borrowers readiness to start the
business If it is determined that the borrower is not yet at the point to seek financing plan for the borrower to
obtain the etc will be by the Local Business Consortium Program

necessary training experience developed
Manager and Resource Development Coordinator If its determined that the borrower is ready to finance the
construction project the borrower will be asked to complete LCFA Application When the application has been
completed it is returned to the Resource Development Coordinator along with copy of the construction
contract and any additional required information and $25 non-refundable application fee which will be used to
pay for credit report and other processing costs
The Resource Development Coordinator will review your application and present an analysis to the LCFA loan
Committee for approval and the borrower will receive commitment letter outlining the terms of financing After
the Fund receives the borrowers signed commitment letter loan closing will be scheduled at Cornerstone Alliance
offices If the loan request is denied the borrower will receive letter to that effect with the reason for denial
The Local Business Consortium Program Manager will work with the borrower and Resource Development
Coordinator in an attempt to identify options that will enable the borrower to satisfy the awarded contract The
decision from the time the completed application is received generally takes from to weeks
process
sometimes much shorter sometimes longer
For Established Construction Related Businesses After an initial discussion of borrowers situation if it is
determined that the Local Contractor Financial Assistance Fund is appropriate for the borrower the borrower will
be asked to complete the LCFA Application When the application has been completed by the borrower it is
returned to the Resource Development Coordinator at Cornerstone Alliance along with copy of the construction
contract and additional required information and $25 non-refundable deposit against cost used to pay for
any
credit and other costs The Resource Development Coordinator will then schedule visit with
report processing
the borrower to site where the borrower will be performing work as the contractor or subcontractor and at that
time tie
up any loose ends with the application and/or contract The Resource Development Coordinator will then
review the application and present an analysis to the LCFA loan Committee for approval
The borrower will receive commitment letter outlining the terms of financing After the Fund receives the
borrowers signed commitment letter loan closing will be scheduled at Cornerstone Alliance offices If the loan
is denied the borrower will receive letter to that effect with the reason for denial The Local Business
request
Consortium Program Manager will work with the borrower and Resource Development Coordinator in an attempt
to identify options that will enable the borrower to satisfy the awarded contract The decision process from the
time the completed application is received generally takes from to weeks sometimes much shorter
sometimes longer
Fees In addition to the $25.00 Application fee borrower is required to pay $50.00 Loan Processing Fee at loan
closing plus filing and legal fees when applicable
31
D010000740
Exhibit
Glossaryof
Program Resources
32
D01000074
LBC Glossary of Terms
A-Team Contractors who have met Local Business Consortium capacity and performance standards LBC
will look to contract with A-Team contractors before any others A-Team contractors are licensed have
bonding and credit capacity with at least 5-years experience They also possess significant tract record and
have the equipment needed to perform their assigned task
B- Team Contractors who have NOT met Local Business Consortium capacity and performance standards
but have the wherewithal to perform as subcontractor to A-Team contractors A-Team contractors will look
to subcontract with B-Team contractors before any others
CAP Graduates Contractors that have completed the Contractor Assistance Program
CAP Program Contractor Assistance Program The CAP Program is 12 week training program available
to small minority and female contractors Construction related topics are covered including bidding and
bonding bookkeeping business planning estimating financing human resources insurance marketing
scheduling an interactive hands-on approach lead all of the sessions
CADP Contractor Assistance and Development Program An ongoing LBC program designed to help
local contractors build their capacity
Cool Cities The Cool Cities Initiative is one part of Michigans overall plan to stimulate economic growth
by attracting and retaining young highly-educated workforce and helping cities jumpstart redevelopment
and construction projects including building new parks renovating old buildings and organizing
neighborhood clean-ups
CPC Citizens for Progressive Change CPC is the grass-roots organization established to engage citizens
in resolving economic social and human service issues with the ultimate goal of improving the quality of life
of Benton Harbor residents
CORE FOUR The CORE FOUR Business Planning Course is an indispensable learning tool for both
novice and experienced entrepreneurs The four core elements of business planning are taught including
learning how to identify and target market understanding how to operate business under the proper
standards and legal requirements learning how to project business cash flow and planning for business
success
EDA Economic Development Administration United States Commerce Department Agency that works
in partnership with state and local governments regional economic development districts public and private
nonprofit organizations and Indian tribes to generate jobs help retain existing jobs and stimulate industrial
and commercial growth in economically distressed areas
General Contractor or individual that contracts with another organization or individual the
company
owner for the construction of building road or other facility general contractor is responsible for the
supplying of all material labor equipment and services for the construction of the project
necessary
HSBI Harbor Shores Business Incubator shared facility for start-up and young businesses Tenants
benefit from on-site business assistance services networking opportunities and rental space with flexible
leases shared basic office services and access to equipment all under one roof The Harbor Shores Business
Incubators main goal is to produce successful firms that will leave the program financially viable and
freestanding
33
DO10000742
LBC Local Business Consortium The Local Business Consortium LBC is

program established to help
create opportunities for local businesses to benefit from the economic activity generated by the Harbor
Shores Project These activities will be delivered within two primary program areas contractor assistance
and development and entrepreneurial small business development
LBC Program Manager Small Business Services staff member assigned to work entirely on the
development and implementation LBC program and activities and is the primary staff to the Local Business
Consortium
LCFA Local Contractor Financial Assistance Fund Loan fund created to assist local contractors by
providing funds for Harbor Shores and LBC related projects
Local Contractor Directory Directory of local contractors including Minority and Women owned firms
MSHDA Michigan State Housing Development Authority State agency that provides financial and
technical assistance through public and private partnerships to create and preserve decent affordable housing
for low- and moderate-income Michigan residents
Peer Group lending program The program operates through peer groups where existing or potential
business owners band together to provide each other support and co sign each others loans Members are
personally accountable for the loan payments of the other group members Group pressure has proven more
effective than collateral for assuring good loan payment among low income borrowers
Plan Room location where local contractors can go to have access to project plans and specifications to
do estimates and review up coming construction projects
RFP Request for Proposal
Resource Center at Cornerstones SBS Center located at Cornerstone Alliance Small Business Services
offices that provide reference materials library and computer work stations for entrepreneurs
SBA US Small Business Administration
SBS Small Business Services at Cornerstone Alliance Cornerstone Alliance Small Business Services
CASBS provides business counseling training technical and financial resource assistance to small
businesses and entrepreneurs with an emphasis on low-income women and minority entrepreneurs
SBDTC Small Business and Technology Development Center The Michigan Small Business
Technology Development Center network provides full range of services for variety of small businesses
that are emerging and growing throughout Michigan including new venture companies existing small
businesses expanding businesses new technology companies and innovators
SCORE Service Corp of Retired Executives volunteer organization that uses the skill and experience of
retired executives to assist individuals with their decisions to begin or to operate small businesses
Small Business Incubator shared facility for start-up and young businesses Tenants benefit from on-site
business assistance services networking opportunities and rental

space with flexible leases shared basic
office services and access to equipment all under one roof
SMCAA Southwest Michigan Community Action Agency private non-profit Community Action
Agency part of state and national network that provides human services to the residents of the southwest
Michigan counties of Berrien Cass and Van Buren
34
D010000743
Subcontractor subcontractor is hired by general contractor or prime contractor to perform specific
task as part of the overall project The incentive to hire subcontractors is either to reduce costs or to mitigate
project risks In this way the general contractor receives the same or better service than the genera contractor
could have provided by at lower overall risk Many subcontractors do work for the same
itself companies
rather than different ones This allows subcontractors to further their skills
specialize
USDA United States Department of Agriculture
WBC Womens Business Center Womens Business Centers provide assistance and/or training in finance
management marketing procurement and the Internet as well as addressing specialized topics such as
home-based business counseling and access to SBA programs and services The Womens Business Center at
Cornerstone Alliance provides individual business counseling and access to SBA programs and services
WNET Womens Networking for Entrepreneurial Training WNET is mentoring program that brings
together experienced business owners with aspiring or nascent women business owners Participants share
advice on business practices and introduce each other to new networks
35
D010000744
Exhibit
Job Description
for
LBC Program
Manager
36
D010000745
Role Description
Position Title Manager Local Business Consortium
Reports To V.P Financial Small Business Services
FLSA Status Exempt
Date December 2006
Job Summary Plans directs and coordinates activities of the Local Business Consortium for Cornerstone
Alliance and all other involved parties involved in the Harbor Shores project including but not limited to Harbor
Shores management team developers contractors and all government agencies
Essential Functions
Ensure all project schedules are kept on target and that the flow of information among all parties is
maintained in timely manner
Communicate project management information through written reports oral reports or group presentations
Directly oversee the tasks of all Consortium members and provide the momentum and oversight to keep the
program moving forward while ensuring the quality of all

necessary functions within the project 60%
Fiscal responsibility including management of funding requests follow-up reporting annual budgets and
grant preparation will be critical elements 15%

Directly involved in the development site selection and hiring of the Incubator Manager for the
concept
Small Business Incubator development at Harbor Shores Continue to participate in the programs
development in an advisory role 10%
Primary responsibility for managing the Harbor Shores Plan Room and the LBC Business Directory
including all regularly scheduled updates Availability of current project data in the Plan Room and the
service and material providers listed in the directory are critical to fundamental objectives of the Harbor
Shores Community Benefits Program 15%
37
D010000746
Mana2er Local Business Consortium continued
Qualifications
Bachelors degree from four-year college or university and/or one to two years related experience and/or
training or equivalent combination of education and experience Construction experience and local business
contacts are essential
Former experience in governmental procedures and bi-lingual capabilities in Spanish are beneficial
Must be self-starter and possess the ability to plan organize develop implement and interpret the programs
goals objectives policies and procedures
Multi-tasking capabilities within an ever-changing set of priorities while working in high profile
environment must not detract from the completion of the necessary tasks
Articulate speaker with strong written verbal communication skills and organization skills
Proficiency in PC systems using word processing database and spreadsheet applications Microsoft Office
preferred Requires operation of assorted office equipment
Excellent interpersonal skills assertive outgoing personality ability to work independently with strong
drive to see projects through to completion in timely and cost effective manner
with large groups of diverse

Ability to interact people
Working Conditions
Fast paced highly detailed work environment Sits for long periods of time stands bends lifts and moves
intermittently during working hours
This role description is intended to describe the normal level of work required by the person performing the work
We are dynamic organization in rapidly changing industry Accordingly the responsibilities associated with
this job will change from time to time in accordance with the Companys business needs More specifically the
incumbent be required to perform and/or different from those above

may additional responsibilities set forth
This description is not intended as contract and is subject to change Any written contractual agreements
supersede this document Reasonable accommodations may be made to enable individuals with disabilities to
perform the essential functions
Reviewed and approved by Date
38
D010000747
D010000748
woo
COUNCIL
UUUIIII
Q5 WORLD-CLASS COMMUNITIES
Housing and Home Ownership

Consortium
Community Benefits P1an
HARBOR
D010000749
Executive Summary
Housing is key element in community transformation Not oniy does quality affordable housing provide
the physical foundation to build individual skills and earning capacity it also serves as the launch ramp to
homeownership Homeownership may be the most important asset-building strategy for individuals and is
the key to building strong healthy neighborhoods The lack of accessible homeownership opportunities is
one of the most intractable barriers to development in low- and moderate-income communities
Neighborhoods with high homeownership typically have greater neighborhood stability lower crime rates
and more politically engaged residents Economically high homeownership attracts commercial investment
in turn creating increased employment opportunities
The approach to the Housing and Home Ownership component of the Community Benefits Plan will
leverage community resources to build human fiscal and ultimately homeownership capacity of
individuals and families Whether discussing housing in general or homeownership specifically the
foundational element of this plan is the iNDIVIDUAL/FAMILY By building capacities the
INDIVIDUAL/FAMILY will be able to move along the Housing and Homeownership continuum towards
self sufficient homeownership
Housing and Home Ownership Continuum
Hckkei
Rater
Asaed UiAssted
Ei
IHTSII QrirTthai Qiace ToOn lconidal
IVkxrI ___ ___ _______ ___ ____ ____ ____
Cobisng
iIivesith Ihae Theae llivehaead laittolod lealtolive 1haerm lliveinttshai Ikveinttsha

ane irrt cf is rat ar in rrlj atity to Ihs rra Us rerara lit at becaira it is the becaai like it
Itacar lkenghae rrurthtorrrath taathsa hoard ecic4itofced eth

atarns tetnct becaisees laatbecaseI honefcsa Ihseethett taTriathp
Thsar cavict/cth athqae needtopat hareto edflcarcd ctfiratuat jatneeclalitte
wiid at se4to ces d1hi crcicnto Fkepaidlcaite
raj. liiljjke taarne reecuto atwisisna
tan
initidia aitMe
ad hair
ketted aid Waiated
The execution of the capacity building benefits will rely on internal new and existing competencies as well
as existing external resources In the initial phase of the plan the Housing and Homeownership Consortium
will be developed With leadership from CWCC CPC and CPLL the HOUSiNG AND HOME
OWNERSHIP CONSORTIUM will identify current and future community housing needs inventory tools
and incentives to help low- and moderate income families achieve homeownership and most importantly
identify gaps between needs and existing tools TheCWCC CPC CPLL HSCRI and additional targeted
community partners will collaborate to create an MOU to solidify the needs and solutions to achieve
community benefit The purpose of the MOU is to facilitate/solidify wide range of financial incentives
counseling and educational opportunities to maximize the Individual/Family capacities in order help realize
the American dream of homeownership and to take extraordinary advantage of new housing opportunities in
D010000750
Communities including but not limited to Harbor Shores
the Impacted Project Harbor Habitat Hope VI
Harbor Town Woodridge Benson Road and Brunson Hill
Since there are variety of capacity building needs THE HOUS1NG AND HOME OWNERSHIP
CONSORTIUM will rely heavily on the Family Literacy Center Local Business Consortium and local
housing and educational resources to develop and execute the program The following illustrates four basic
capacity area of focus Human Capacity Fiscal Capacity Homeownership Capacity and Local Market
Quality Home Capacity
Henter
Established
Hidden Assisted Assisted UnAssisted

Homeless Cs-Housing Circumstance Choice To-Own Commercial
Homeless Renter Homeownership Homeownership
Homeownerhip
____________________ ___________________
Human Capacity iiururr F1rrnutinn
Liteskibs raining
Fiscal Capacity Employment Assistance TANF
Predatory Lending
Credit
Homeownership Counseling
Capacity Rentvs Buy
Home ownemhip fairs
Homeownership voucher
MHOCHomeChoice Marl
Homeownership Counselling
Quality Home Office of Housing Non prft Prg
Project Based Voucher Affordable Housing

Capacrly/lnnentory
The cross pollination of program is the key to leveraging resources and attracting
individuals/families into the HOUSING AND HOME OWNERSHIP CONSORTIUM pipeline In
addition successful execution will require attention to the supply and demand side of the housing
equation
er Woodridge Habitat Not forP
Credit MHOC Other I-lope Vi Harbor Tow Harbor Shore
ia ia
Ii
.1
Individuals
Inventory of Increased
Families wI
Quality Housing Homeownership
Homeownership
Opportunities
D010000751
Housing and Home Ownership Vision Mission Goals
Vision Statement
The vision of the Housing and Homeownership Consortium to build the necessary
capacities to drive mobility not maintenance of targeted individuals/families towards
self-sufficient homeownership
Mission Statement
The mission of THE HOUSING AND HOME OWNERSHIP CONSORTIUM is to utilize
holistic collaborative approach to facilitate the elimination of barriers and the building of
individual/family competencies in order to achieve homeownership
Goals for the Housing and Homeownership Consortium
The Consortium will engage resources to analyze current housing needs/opportunities in
Benton Harbor/Benton Township Including but not limited to candidate profiles lending
agency minimum requirements etc
The Consortium will compile all relevant existing programs and tools available to drive
increased affordable housing and stimulate homeownership
The Consortium will develop modular curriculum for Financial Discipline Credit
Counseling and Homeownership Literacy
The Consortium will develop the access to capital for targeted individuals/families
The Consortium will develop post-homeownership coaching and mentoring process
The Homeownership Consortium will consult with HSCRI at regular intervals regarding
the
progress
towards the 5-year goals of
Delivering effective Housing and Homeownership curriculum to 200 Individuals
Partnering with Cornerstone Alliance Physical Development place 50 families in rehabbed homes
Placing 50 families in market rate homes
Improve financial status to improve rental consumption of 100 families
D010000752
Process Plan
Candidate Identification
CPCBDEOther Agencies
Financial Mgmt Credit
Counseling
6-12 month plan
lndiv Asset Building

Consortium
Home Ownership Training
SMCAA
Financing
ConsortiumMSHDAICCF
Post Homeownership Mentoring
Institutional Education
Consortium CWCC
D010000753
The HOUSING AND HOME OWNERSHIP Consortium leverages all of The Alliance for World
Class Communities organizations to drive homeownership
Housing and Home Ownership Leverage Points
Impact
OMMUN ITY
woo Housing and Home

PARTNERSHIF CITIZEN FOR Ownership
Ill
Cornerstone LIFELONG PROGRESSIVE Consortium
CHANGE
AIhrn Cbmkr of Commoro
Planning High School Di or GED 300

150 Renters
Organization of Contractors for Program
Two committed partners 150 Homeowners
Home To Wiling to step out of comfort Participants
Quote/Complete Want Better Quality of life
Individuals/Families Focused
Curriculum Fifty
lndiv Credit Fundable Who need Capacity Individual

Repair
50 New Homeowners
Plan Building BEFORE Plans for
Rehab
Homeownership Plan Homeownership
Secure Housing Coach Opportunities 50 Individuals
can be executed
Identify Housing Supply w/Homeownership
Secure Funding Capacity
D010000754
Critical Path Issues
Home Ownership Capacity

Partner with SMCAAICCF and other agencies to develop and provide appropriate
Financial Literacy Homeownership Knowledge and Credit Counseling
Provide Homeownership coaching mentoring and monitoring
Asset/Capital Capacity
Housing Coach SMCAA MSDHA and HUD to execute Asset/Capital

Utilize Programs
Consortium to fund Asset access and credit improvement plans secured credit card
downpmt assistance
Focused Attention
Housing Coach to drive success/commitment

Curriculum adapted to participants
Basic Needs issues addressed by Consortium Child Care Transportation etc
Retention
Incentives to drive Benton Harbor residency and program completion
Rehab homes ensure desirability
Rehab homes leverage corridor revitalization
Holistic Approach
Case management to integrate Housing and Homeownership Plan with other CBP
Catalytic Impact
Homeownership Capacity IndividualfFamily Foundational Asset Building
Bring Benton Harbor to the National Average Homeownership rate
Leverage Alliance collaboration and holistic approach

CPC Candidate Selection
CPLL Literacy Building

CA Local Business Capacity Other CA Programs
Physical Dev Supply of rehab housing
Develop Corridors i.e Empire Pipestone Britain Colfax Fair
Rehabbing on corridors creates visible change
Attracts private investment off corridor second phase

Builds neighborhoods
Leverages 50 rehabs to create
Increased property values in targeted areas
Drive unassisted home improvements

Increase desirability
Fiscal impact potential to align tax rates attraction
There is Measurable Positive Social Impact of Homeownership
D010000755
Pilot Program
In order to illustrate the effectiveness of the approach the Housing and Homeownership
Consortium will pilot scaled version of the plan It will address Home Ownership Capacity
Building Asset Building and Focused attention by
Validating developing and delivering effective Homeownership and Financial Mgmt
curriculum
Selecting an effective/honest 3rd party credit repair agency/resource
Managing Asset Building Activities Secured CC mdiv Saving/iVlatch Acct

Monitor participant progress
Be the participants champion with Case Mgmt
There is structural difference between the pilot program and Full Execution the use of Housing
Coach
Full Execution The Housing Coach provide credit repair and focused attention
Pilot Program No Housing Coach is deployed Credit Repair will be executed by 3rd party
agency and focused attention will be provided by Case Managers
The Imp act of the pilot will be to

Delivered focus curriculum to 15 participants
Of the 15 participants
will purchase home rehabbed by Cornerstone Physical Development LBC and Band of Brethren
will purchase market rate homes in BH

will continue credit repair into 2008 but will be able improve rental status
Pilot Budget
2007
15
Participants
Training Hours 18
per participant
Horn
Capital/Asset Asset Capacity Building Support Secured Credit Card 15000

Asset Capacity Building Incentive $1000 15000
Capacity Benton Harbor Home Incentive $1000 15000
rta
Total 61750
IndiiduaIs will be required to deposit$500 into participating institution to receive Asset Building Incentive
This is contigency incentive to influence home purchasers to purchase in BH
lAsset Building
Individual 500
Savings
Asset Building Incentive 1000
Benton Harbor hcentive 1000
Total 2600 This equates to 5% dow npaynent on $50K Hone
Credit counselling
Birollriont 100
Maintenance 600
700
D010000756
Full Execution Budget and Timeline
2007 2008 2009 2010 2011
Participants 30 50 70 30 20
Training Hours per participant 18 18 18 18 18
Counselling Hours participant

per
pac
Capital/Asset Asset Capacity Building Support 30000 30000 30000 30000 30000
Capacity Asset Capacity Building lncentie $500 15000 25000 33000 15000 20000
Building Appraisals/Misc Value Realization ActiMtes 18800 8800 20800 22820
ci
Housing Supply Acquisition/Rehab of 50 homes 950000 950000 950000 950000 950000

Total 1070000 1070000 1070000 1070000 1070000
2007 2008
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
---.-it--t-.-
Consortium Meetings
Curriculum Deeloped/Produced
Trainers Selected/Trained
Housing Coach Hired
Participants Selected
Classes Held
Credit Counselling/Repair
Acquisition
Pre-Deelopment Complete
Construction
Homes completed
Marketing/Sales/Matching
Finacing Process
Homes Occupied
Wae
Curriculum Committee
Carl Spikner CWCC
Judith Peterson SMCAA
Jessica McGuire SMCAA
Jon Wallace Carter-Wallace Mortgage

Jeff Kyle Edgewater Bank
Katie Mcllwee Berrien County Housing Commission
Margorie Zibble LMC
Tim Batton Nile CDC
Saundra Johnson-Austin CPLL
Capacity Building Partners
Community Partnership for Lifelong Learning LEWS Consortium

Citizens for Progressive Change
Community Co-Ventures Consortium

SMCAA relations to MSHDA and HUD
ICCF
The Alliance for World Class Communities
D010000757
Cornerstone Alliance
Edgewater Bank
10
D010000758
D010000759
COMMUNITY VENTURES
DEVELOPMENT CONSORTIUM
CITIZENSF0R
PROGRESSIVE
CHANGE
D010000760
Community Ventures Consortium 2007 Operations Plan
Rationale for the Community Ventures Work
Vibrant community ventures are vital to the livability of all neighborhoods
Community developers and practitioners recognize the importance of revitalizing
older venture districts in existing residential communities as part of the broader
strategy for overall community development We envision the establishment of
sustainable interaction between individuals 501 3c organizations businesses and
communities that improves access opportunity and support that improves the quality
of life for all our citizens and visitors
Our goal is to establish and support Community-Venture Development Consortium
CVDC initiatives to understand the community assets needs and future
opportunities we have to achieve equitable community transformations across the
impacted communities Members of the CVDC will include representatives from
HSCRI AWCC the City of Benton Harbor the City of St Joseph Benton Township
the State of Michigan and other community partners
Primary Tools Used to Create Value in the Community Ventures Space
Community-based Summits designed to convene stakeholders and key
collaborators in discovery-based dialogue to create shared sense of
vision values and mutuality founded on the basis of inclusion and full
participation
Action-Learning Projects to hone the skills of all participants toward to
achievement of the stated goals of the consortium and its members
Coaching to assure and support the natural motivation to navigate the
various avenues to achieving the goals of the consortium and its members
Three consortiums are envisioned in this initiative They are
Individual and Organizational Capacity Building and Networking
including churches and 501c3 organizations
1.1 primary focus of this consortium is the development of capable
leadership in the African-American male populations in the greater
Benton Harbor area
1.2 Methodology for developing the CVDC will include individual
coaching/mentoring action-learning group work through the Band of

Brethren in Christ and area church group programs
1.3 Primary contributors in the development phase will be the CPC

CWCC CPLL and CVDC Additional contributions by outside
consulting and coaching resources will be engaged as needed
Cool Cities Downtown Development Group

2.1 Targeted to individuals and organizational leaders with desire to
participate in the Benton Harbor Cool Cities Initiative
First Year CVDC Activity Plan
D010000761
2.2 Active participants will receive technical support to successful win
State Grant and Loan funding to achieve consortium goals for
downtown development
coaching/mentoring action-learning work groups

2.4 Primary contributors in this developmental stage will be CA CPC
City of Benton
Harbor State of Michigan and Southwest Michigan
Planning Commission Additional resources will be sought as needed
Cool Cities Neighborhood Development Group

3.1 Targeted to individuals and organizational leaders with desire to
participate in the Benton Harbor Cool Cities Initiative
3.2 Active participants will receive technical support to successful win
State Grant and Loan funding to achieve consortium goals for
neighborhood development
coaching/mentoring action-learning work groups

3.4 Primary contributors in this developmental stage will be CA CPC
Kellogg Connect Up City of Benton Harbor State of Michigan and
the Southwest Michigan Planning Commission Additional resources
will be sought as needed
How Will the Consortium Activity Be Implemented
Individual and Organizational Capacity Building and Networking First Year
Activity Plan
studies of the and

Qi Staff is identified and developed Field 501c3 faith
organizations are developed to understand number demography

organizational and leader capacity Networking sessions for individuals
interested in personal development education job training housing
entrepreneurship neighborhood development Summit and Action-Learning

session design and development
Month Hire staff develop participant enrollment forms set
monthly roundtable meeting with key stakeholders and
providers plan social network intervention define curriculum for
summit and action-learning session train volunteer and partner
staff members
Month Initiate ongoing enrollment drive initiate social network
intervention host first enrollment sessions monthly Roundtable
meeting make adjustments to enrollment forms and strategy
develop winning profile for candidates most likely to benefit
from CBP services and identify candidates that best fit the profile
refine summit and action-learning curricula continue to train and
develop staff
Month Launch Summit enrollment and participant selection
Roundtable meeting refine profile and sharpen candidate selection
D010000762
process review and improve summit design and executable plans
refine and execute action-learning sessions continue to train and
develop staff reflect and learn from the stQ experience and
publish quarterly report to the CPC Board of Directors partners

and stakeholders
Q2 Opportunity Summits for Personal Growth and Organizational
Development resulting in action-learning projects for all participants Finalize
design for Action-Learning sessions
Month Complete summit activity and launch action-learning
sessions ongoing enrollment drive continue social network
intervention monthly Roundtable meeting make adjustments to
enrollment forms and strategy refine summit and action-learning
curricula continue to train and develop staff
Month Continue action-learning sessions ongoing enrollment
drive continue social network intervention monthly Roundtable
develop staff
Month Roundtable meeting refine profile and sharpen candidate
selection process review and improve summit design and
executable plans refine and execute action-learning sessions
continue to train and develop staff reflect and learn from the 2ndQ
experience and publish quarterly report to the CPC Board of
Directors partners and stakeholders
Q3 Action-Learning sessions for Personal Growth Community Leadership

and Faith Leadership
develop staff
develop staff
Month Roundtable meeting refine profile and sharpen candidate
selection process review and improve summit design and
executable plans refine and execute action-learning sessions
continue to train and develop staff reflect and learn from the Q3
experience and publish quarterly report to the CPC Board of
Directors partners
and stakeholders
D010000763
Q4 Action-Learning sessions for Personal Growth Community Leadership
and Faith Leadership
Month 10 Complete 2nd summit activity and launch action-
learning sessions ongoing enrollment drive continue social
network intervention monthly Roundtable meeting make
adjustments to enrollment forms and strategy refine summit and
action-learning curricula continue to train and develop staff
Month 11 Continue action-learning sessions ongoing enrollment
develop staff
Month 12 Roundtable meeting refine profile and sharpen
candidate selection process review and improve summit design
and executable plans refine and execute action-learning sessions
continue to train and develop staff reflect and learn from the 4thQ
experience and publish annual report to the CPC Board of
Cool Cities Downtown Development Group DDG First Year Activity Plan
Qi Staff is identified and developed Planning sessions with governors Cool
Cities Champion for Benton Harbor City of Benton Harbor Economic
Development Director Cornerstone Alliance and the Southwest Michigan
Planning Commission to define group development parameters Create
Steering Committee for the Downtown Development Group process Develop

for bringing key stakeholders together through working luncheons and
process
networking sessions
Month Define staff responsibilities develop participant

enrollment forms set monthly roundtable meeting with key
stakeholders plan monthly meetings for DDG define curriculum
for summit and action-learning session train volunteer and partner
staff members
Month Initiate ongoing enrollment drive organize DDG Summit
and monthly action-learning sessions
Month Launch Summit with State Resource Champions

Roundtable meeting refine profile and sharpen technical
assistance requirements review and improve summit design and
executable plans through action-learning sessions continue to train
and develop staff reflect and learn from the stQ experience and

and stakeholders
Q2 Opportunity Summits for Structural Rehabilitation and New Business
Attraction resulting in action-learning projects for all participants Develop

informed consensus on form-based building codes Review and refine
inventory of downtown structures and development opportunities Create
D010000764
shared view of the future of the Benton Harbor downtown space Finalize
design for Action-Learning sessions
Month Continue action-learning sessions refine summit and
action-learning curricula deliver technical assistance as may be
required continue to train and develop staff
Month Roundtable meeting refine profile and sharpen technical
and develop staff reflect and learn from the Q2 experience and

and stakeholders
rehabilitation of existing
Q3 Action-Learning sessions for structures
attracting new business opportunities in the Down Town space and acquiring
needed State and local resources to achieve the goals of the Action-Learning
Teams

Month Launch 2nd Summit with State Resource Champions

Roundtable meeting refine profile and sharpen technical
and develop staff reflect and learn from the Q3 experience and
and stakeholders
Q4 Action-Learning sessions for rehabilitation of existing structures
attracting new business opportunities in the Down Town space and acquiring
needed State and local resources to achieve the goals of the Action-Learning
Teams
Month 10 Continue action-learning sessions refine summit and
Month 11 Continue action-learning sessions refine summit and
Month 12 Roundtable meeting refine profile and sharpen
technical assistance requirements review and improve summit
design and executable plans through action-learning sessions
continue to train and develop staff reflect and learn from the Q3
experience and publish annual report to the CPC Board of
D010000765
Cool Cities Neighborhood Development Group NDG First Year Activity Plan
Qi Staff is identified and developed Planning sessions with governors Cool
Cities Champion for Benton Harbor City of Benton Harbor Economic
Development Director City of Benton Harbor Housing Commission Benton

Harbor Neighborhood Block Clubs Cornerstone Alliance Council for World-
Class Communities Kellogg Connect Up and the Southwest Michigan
Planning Commission to define group development parameters Create
Steering Committee for the Neighborhood Development Group process

Develop for bringing key stakeholders together through working
process
luncheons and networking sessions
Month Define staff responsibilities develop participant

stakeholders plan monthly meetings for NDG define curriculum
for summit and action-leaming/charrette sessions train volunteer
and partner staff members

and action-learning charrette
Month Launch Summit and Charrette with State Resource
Champions for Benton Harbor WARD IV Roundtable meeting

refine profile and sharpen technical assistance requirements
review and improve summit design and executable plans through
action-learning sessions continue to train and develop staff reflect
and learn from the Qi experience and publish quarterly report to
the CPC Board of Directors partners and stakeholders
Q2 Opportunity Summits for Neighborhood Planning and Revitalization as
well as Housing and Home Ownership resulting in action-learning projects for
all participants Develop strategy and practice for neighborhood revitalization
planning Review and refine inventory of neighborhood assets and
development opportunities Create shared view of the future of Benton
Harbor neighborhood Finalize design for Action-Learning sessions
Month Redefine staff responsibilities develop participant

for summit and action-learning/charrette sessions train volunteer

Champions for Benton Harbor WARD III Roundtable meeting

and learn from the Q2 experience and publish quarterly report to
D010000766
Q3 Action-Learning sessions for revitalization planning and housing and
home ownership as well as acquiring needed State and local resources to
achieve the goals of the Action-Learning Teams
Month Redefine staff responsibilities develop participant


Champions for Benton Harbor WARD II Roundtable meeting

and learn from the Q3 experience and publish quarterly report to

Q4 Action-Learning sessions for revitalization planning and housing and
home ownership as well as acquiring needed State and local resources to
achieve the goals of the Action-Learning Teams
Month 10 Redefine staff responsibilities develop participant


Month 11 Initiate ongoing enrollment drive organize DDG
Summit and action-learning charrette
Month 12 Launch Summit and Charrette with State Resource
Champions for Benton Harbor WARD Roundtable meeting

and learn from the Q4 experience and publish annual report to the
CPC Board of Directors partners

and stakeholders
D010000767

Harbor Shores Community Benefits Plan

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Harbor Shores Community Benefits Plan

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HARBOR SHORES

Community Benefits Plans

Community Benefits Plans

Vision and Mission

Family Literacy Center-Lifelong Learning

Local Business Consortium

Housing and Homeownership Consortium

Community Ventures Development Consortium

academic achievement levels as well Homeownership levels have plummeted in these

historically urban settings

levels and literacy levels fall to unacceptable levels

project is to embrace all of our municipalities and community partners in process of

governmental units as well as broad based of community organizations Our first

was to acknowledge that full scale community transformation cannot be successfully

initiated within narrow community framework The Council for World-Class

development lifelong learning understanding diversity and developing grassroots

Alliance represents four affiliated organizations Cornerstone Alliance Council for

World-Class Communities Citizens for Progressive Change and the Community

barriers to community transformation

leverage opportunity exists for Harbor Shores

developing strong roots organizations

assistance technical development financial contributions

Harbor Shores Project Partners

Whirlpool Corporation and Whirlpool Foundation

Congressman Fredrick Upton

partners to leverage the physical development opportunities generated by the Harbor

capacity building that include educational economic and social initiatives

commercial hotel/conference center Jack Nicklaus Signature golf course indoor

to reverse declining populations shrinking county-wide school enrollments and

decades It represents shared responsibility we have to one another and multitude of

challenges but our educational and social ones as well

establishments and office

The idea of redeveloping several hundred acres of contiguous dormant

ad valorem revenues for their governmental units

As our communities have suffered through the pains of deindustrialization population

across our collective communities

over the past several decades

-.9% population growth from 1970 to 2000

Above average exodus of our 18-34 year-old demographic in Berrien County

Geographic specific erosion of tax base BH SJ etc

Non-uniform educational attainment levels across the county

Ten-year projected declining county-wide school enrollments

The county continues to lose retail to surrounding areas

performance have worsened

community engagement around creating world-class communities through diversity with

Communities and Lake Michigan College Weve also seen resurgence of

entrepreneurism as technology- and service-related industries have seen rebirth The

development strategies and collaborative efforts Quantitative and qualitative research

in identifying our core assets and direction

Some of our community assets include

Shared lakefront and riverfront properties

Large land masses of undeveloped properties

core leadership group committed to systemic change

Proximity to multiple major MSAa Chicago Indianapolis Detroit etc

Whirlpool Global headquarters

our communities histories have we been poised to successfully embrace such an

community building is recipe for creating systemic change on multiple levels

Executive Summary The Family Literacy Center FLC

III Training Registration

Center for Literacy Development

Center for Education Development

Catch the Dream for Adults LMC WMU Partnership forthcoming

Center for Life Skills

Bridges Out of Poverty 11