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of 4 A Good Credit Score is 700 or Above. See yours in just 2 easy steps! ----------------- Forwarded Message: Fwd: Sharon Scarrella Anderson Answers/Cross Ramsey Dist.Crt 62cv09-1163 Subj: Date: 3/30/2009 11:30:03 A.M. Central Daylight Time From: Sharon4Anderson To: lynae k.e.olson@courts.state.mn.us CC: Sharon4Anderson Sorry for e-error A Good Credit Score is 700 or Above. See yours in just 2 easy steps! ----------------- Forwarded Message: Fwd: Sharon Scarrella Anderson Answers/Cross Ramsey Dist.Crt 62cv09-1163 Subj: Date: 3/30/2009 10:58:50 A.M. Central Daylight Time From: Sharon4Anderson To: Sharon4Anderson CC: a_democracy@yahoo.com, BillDahn4 Will transpose to http://taxthemax.blogspot.com My Presentations on SlideShare A Good Credit Score is 700 or Above. See yours in just 2 easy steps! ----------------- Forwarded Message: Sharon Scarrella Anderson Answers/Cross Ramsey Dist.Crt 62cv09-1163 Subj: Date: 3/30/2009 10:55:21 A.M. Central Daylight Time From: Sharon4Anderson To: lynae k.e.olson@courts.state.mn.us, mark.oswald@co.ramsey.mn.us, deb.haselman@co.ramsey.mn.us CC: askdoj@usdoj.gov, tim.pawlenty@state.mn.us, michael.campion@state.mn.us, attorney.general@state.mn.us, rca@co.ramsey.mn.us, john.harrington@ci.stpaul.mn.us, bob.fletcher@co.ramsey.mn.us, a_democracy@yahoo.com DTD: Mon 30Mar09 AFFIDAVIT OF SHARON SCARRELLA ANDERSON 697 Surrey 32.29.2.41.0053 2008_$2,499.43 pg 53 www.review-news.com ie: Janice Rettman Res: 2009-012 279 - DELINQUENT REAL ESTATE TAXES, 2008 Minnesota Statutes 697 Surrey_09 697 Surrey Illegal Assessments_09 TO THE ABOVE NAMED www.co.ramsey.mn.us www.ci.stpaul.mn.us STATE OF MINNESOTA DISTRICT COURT COUNTY OF RAMSEY 62cv09-1163 2ND JUDICIAL DISTRICT To: All Persons with Legal Interest in the Parcels of Real Property Described in the Folowing Delinquent Tax List, Filed with District Court Administrator Lynae.K.E.Olson 651-266-2002 , published 18Mar09, sent to Affiant by US Mails Fri.20thMar09, received Sat. 21Mar09, Auditor Mark Oswald, acting in concort with Larry Dease Court Administrator without a FEE, Proper Service, S&C. Heinous denial Sunday, April 05, 2009 AOL: Sharon4Anderson

of 4 of due process as Realestate taxes 2008 paid. State of Minnesota, County of Ramsey ,Auditor Mark Oswald,PS Michael Campion,Agents,Assigns,Official Capacity, Individually,severally, John Doe,Mary Roe Plaintiffs 279 - DELINQUENT REAL ESTATE TAXES, 2008 Minnesota Statutes vs. 697 Surrey, Intestate Decedant CplJimAnderson,VA Widow Sharon Anderson, heirs,assigns, all others as their interest appear Defendants Memorandumn of law,Dismissal 554 - FREE SPEECH; PARTICIPATION IN GOVERNMENT, 2008 Minnesota Statutes 3rd Party Pltf,vs. US&State of MN et al File No.62cv09-1163 INTRODUCTION COUNT 1 Title 18 At all times material, when notified Sharon has answered, techinaly the city of st.paul has created False Statements, False Assessments, False Ratification of Asessments, then signed off by the Mayor Chris Coleman WaterA06-1150f/_26 in a RICO Patterened DL/803-2007-02-27T0343 Enterprise against Seniors, Protected Class to Steal Cars, Suspend Drivers License, Shut off Water www.sharonanderson.org without Long Form Complaints, specifically DSI Employee Joel Essling, Sharon Anderson v. Joel Essling MN - Google Search unabated by Public Offici als. COUNT II 42 USC 3631 COUNT IIIMS 609.51SimulatingLegProcess To simulate legal process without decending to particulars , said file/complaint of delinquent taxes contains NO accusations or charging language, distinct from the published 18Mar09 Maple Wood Review www.review-news.com . COUNT IV MS555DeclaratoryJudgmentAct Affiant challenges Authority/Jurisdiction as no long formal complaints, Car fully insured until Dec.08, DL never returned http://sharonvaitkin.blogspot.com Property taxes were paid Please take legal notice: that E Commerce Brief is under construction, Affidavits of Prejudice against Kathleen Gearin and Gregg Johnson for Criminal Cause My Presentations on SlideShare Sa Tax Del62cv09 1163 18 1 hour ago Pursuant to Law Brief due 20 days from 18Mar09 = exclusive of weekends 7Apr to 17th Apr09 and or place in File 62cv09-1163 this E-Commerce Notification. to challenge the quot;takingquot; of Homestead Credit, The Bizzare Assessments with 12% interest is Bizzare, Reppugnant to Sunday, April 05, 2009 AOL: Sharon4Anderson

of 4 the 1st,4th,5th Amendments of the US and Art. 3 MN Constitution. Submitted in Good Faith /s/ Sharon4Anderson@aol.com ECF_P165913_sa1299 Attorney Pro Se_InFact,Private Attorney General,Candidate 2010 www.sharonagmn2010.blogspot.com Homestead Act of 1862 Sharon Scarrella Anderson's Page - We The People USA http://sharon4privateattorneygeneral.blogspot.com political ?(Sharon4Anderson?) Alliance for a Better Minnesota | Sharon Anderson's Blog Click here: Sharon4Council file4[1]Shar_thune_22.pdf - Google Docs Disclaimer on Site'sThe Electronic Communications Privacy Act MY FindLaw (ECPA) sets out the provisions for access, use, disclosure, interception and privacy protections of electronic communications. Sharon4Anderson | Scribd pdf files. The law was enacted in 1986 and covers various forms of wire and electronic communications. According to the U.S. Code, electronic communications quot;means any transfer of signs, signals, writing, images, sounds, data, or intelligence of any nature transmitted in whole or in part by a wire, radio, electromagnetic, photo electronic or photo optical system that affects interstate or foreign commerce.quot; ECPA prohibits unlawful access and certain disclosures of communication contents. Additionally, the law prevents government entities from requiring disclosure of electronic communications from a provider without proper procedure. The Legal Institute provides Title 18 of the U.S. Code, which encompasses ECPA. Blogger: Dashboard 127,&( 7KLV FRPPXQLFDWLRQ LV QRW HQFUSWHG 7KLV HPDLO LQFOXGLQJ DQ DWWDFKPHQWV

LV FRYHUHG E WKH (OHFWURQLF &RPPXQLFDWLRQV 3ULYDF $FW 86& DQG Electronic Communications Privacy Act The CAN-SPAM Act: Requirements for Commercial Emailers A Good Credit Score is 700 or Above. See yours in just 2 easy steps! Sunday, April 05, 2009 AOL: Sharon4Anderson

HUD 903 Form Page 1 of 2 HUD Form 903 Online Complaint Note: The session timeout (the time you have to fill out and submit this form) has been set for 45 minutes. Please enter only the minimal information concerning your complaint. Additional details for your complaint will be collected by an investigator as needed in the future. If you have not submitted your complaint within the 45 minute time limit, your information will NOT be processed and you will have to re-enter your complaint. Enter your information. Enter your personal information. First Name: Sharon Daytime Phone Last Name: No: 651-776-5835 Anderson Your Address: PO Box 4384 Evening Phone Email: No: Sharon4Anderson@aol.com City: St. Paul State: Minnesota Zip Best Time to Call: Day Code: 55104-0384 Who else can we call if we cannot reach you? 1. Contact's First Name: Bill Daytime Phone No: 651-453-1992 Last Name: Dahn Evening Phone No : Organization: www.billdahn.com Best time to call: Days 2. Contact's First Name: Daytime Phone No: Last Name: Evening Phone No: Organization: Best time to call: Days Enter complaint information. What happened to you? How were you discriminated against? For example: were you 1. refused an opportunity to rent or buy housing? Denied a loan? Told that housing was not available when in fact it was? Treated differently from others seeking housing? State briefly what happened. City St.Paul, has systemically for over 20 years quot;takenquot; without compensation, currently Alleged Tax Delinquent Ranmsey Dist. Crt. 62cv09-1163, the quot;takingquot; of Homestead Credit, Assessments/Fees by Theft, Trespass,Treason all documented re: www.sharonanderson.org quot;takingquot; Water to Steal the Property at 697 Surrey Ave St.Paul MN. 55106 for pecuniary gain, ILlegal Sheriff Sales www.billdahn.blogspot.com HS at 256 Morton St. W. St.Paul,MN other related propertys 1058 Summit, 448 Desnoyer Duplex, 326 N. Wilder 6 unit,2194 Marshall Why do you believe you are being discriminated against? 2. It is a violation of the law to deny you your housing rights for any of the following factors: - race - color - religion - sex - national origin - familial status (families with children under https://www5.hud.gov/Hud903/main/pagHUD903Form.jsp 4/6/2009

HUD 903 Form Page 2 of 2 18) - disability. For example: were you denied housing because of your race? Were you denied a mortgage loan because of your religion? Or turned down for an apartment because you have children? Were you harassed because you assisted someone in obtaining their fair housing rights? Briefly explain why you think your housing rights were denied because of any the factors listed above. Bill Dahn is Native American, Sharon Scarrella Anderson, Senior VA Widow, 70 yrs, Social Security, Both Disabled, City of St. Paul has tried for years to exploit us for Political Reprisals Equity Skimming, Taking our Homestead Credits. etc. Who do you believe discriminated against you? Was it a landlord, owner, bank, real 3. estate agent, broker, company, or organization? First Name: Chris Last Name: Coleman Organization: Mayor City St.Paul MN www.ci.stpaul.mn.us Address: City Hall, St. Paul, MN 55102 Where did the alleged act of discrimination occur? Provide the address. For example: 4. Was it at a rental unit? Single family home? Public or Assisted Housing? A Mobile Home? did it occur at a bank or other lending institution? Address: Single Family Home 697 Surrey Ave City: St.Paul State: Minnesota Zip: 55106 When did the last act of discrimination occur? Enter the date: 30/03/2009 5. (mm/dd/yyyy) Is the alleged discrimination continuous or on going? Yes No Submit Reset Form Exit Complaint Form https://www5.hud.gov/Hud903/main/pagHUD903Form.jsp 4/6/2009

of 3 Subj: SharonScarrellaAnderson AFFIDAVIT Filings 62cv09-1163_Service by Fax Mon6thApr09 Date: 4/6/2009 10:56:40 A.M. Central Daylight Time From: Sharon4Anderson To: lynae.olson@courts.state.mn.us, fred.grittner@courts.state.mn.us, larry.dease@courts.state.mn.us, mark.oswald@co.ramsey.mn.us, shari.moore@ci.stpaul.mn.us, bob.fletcher@co.ramsey.mn.us, dexter_J._sidney@hud.gov, Shaun.Donovan@hud.gov, attorney.general@state.mn.us, askdoj@usdoj.gov, frank.magill@usdoj.gov, james.lackner@usdoj.gov, ron.guilfoile@ci.stpaul.mn.us, ron.ross@ci.stpaul.mn.us, robert@getliberty.org, a_democracy@yahoo.com, leslie@earthprotector.org, Julie.Kleinschmidt@co.ramsey.mn.us, rway@minnpost.com, sberg@minnpost.com, swaterman@minnpost.com, bhawkins@minnpost.com, dbeal@minnpost.com, brobson@minnpost.com, sjanecek@minnpost.com, info@minnpost.com, mhelms@minnpost.com, ccapecchi@minnpost.com, sschmickle@minnpost.com, rbattle@minnpost.com, jkimball@minnpost.com, dgrow@minnpost.com, chris.coleman@ci.stpaul.mn.us, citizen.service@ci.stpaul.mn.us, CityofSaintPaul@govdelivery.com, jerry.ludden@ci.stpaul.mn.us, mayor@ci.stpaul.mn.us, erin.dady@ci.stpaul.mn.us, ann.mulholland@ci.stpaul.mn.us, Jean.Karpe@ci.stpaul.mn.us, Anne.Hunt@ci.stpaul.mn.us, Vallay.Varro@ci.stpaul.mn.us, Kris.Fredson@ci.stpaul.mn.us, Joe.Spencer@ci.stpaul.mn.us, Darlyne.Morrow@ci.stpaul.mn.us, Chris.Rider@ci.stpaul.mn.us, Melvin.Carter@ci.stpaul.mn.us, Nancy.Homans@ci.stpaul.mn.us, Milyon.Tekle@ci.stpaul.mn.us, Nick.Shuminsky@ci.stpaul.mn.us, Carol.Washington@ci.stpaul.mn.us, Bob.Hume@ci.stpaul.mn.us, Sean.Johnson@ci.stpaul.mn.us, Va- Megn.Thoj@ci.stpaul.mn.us, matt.bostrom@ci.stpaul.mn.us, neil.melton@state.mn.us, john.harrington@ci.stpaul.mn.us, mary.bjornberg@state.mn.us, kwilkening@co.nobles.mn.us, terry.sandbeck@state.mn.us, johnp@alx.tec.mn.us, mitch.lee@state.mn.us, mylan.masson@minneapolis.edu, paul.monteen@state.mn.us, tracey.a.martin@co.hennepin.mn.us, mark.letexier@co.polk.mn.us, john.bolduc@co.crow-wing.mn.us, dan.glass@state.mn.us, brent.richter@state.mn.us, debra.soderbeck@state.mn.us, mdohman@ci.maple-grove.mn.us, sheryl.waddick@state.mn.us, junstad@yahoo.com, carol.j.hall@state.mn.us, mike.ardolf@state.mn.us, bill.martinez@ci.stpaul.mn.us, michael.young@ci.minneapolis.mn.us, peggy.strand@state.mn.us, timbildsoe@visi.com, starr.suggs@state.mn.us, harr@csp.edu, diverson@pioneerpress.com, dbeal@pioneerpress.com, mhopp@pioneerpress.com, rhubbard@pioneerpress.com, twebb@pioneerpress.com, jforster@pioneerpress.com, jkrocheski@pioneerpress.com, jbjorhus@pioneerpress.com, khubbard@pioneerpress.com, aharrington@pioneerpress.com, lsuzukamo@pioneerpress.com, dfondler@pioneerpress.com, janice.rettman@co.ramsey.mn.us, chiefclerk@co.ramsey.mn.us, tony.bennett@co.ramsey.mn.us, jim.mcdonough@co.ramsey.mn.us, rafael.e.ortega@co.ramsey.mn.us, jan.parker@co.ramsey.mn.us, toni.carter@co.ramsey.mn.us, victoria.reinhardt@co.ramsey.mn.us, rob.fulton@co.ramsey.mn.us, bonnie.jackelen@co.ramsey.mn.us, john.choi@ci.stpaul.mn.us, john.lesch@ci.stpaul.mn.us, lisa.veith@ci.stpaul.mn.us, john.kelly@ci.stpaul.mn.us, jerry.hendrickson@ci.stpaul.mn.us, dave.thune@ci.stpaul.mn.us, pat.harris@ci.stpaul.mn.us, kathy.lantry@ci.stpaul.mn.us, Lee.Helgen@ci.stpaul.mn.us, dan.bostrom@ci.stpaul.mn.us, russ.stark@ci.stpaul.mn.us CC: bdavis@am1500.com, glenn.wilson@state.mn.us, gljoe@am1500.com, Shewolfeagle, BillDahn4, dale.lindman@courts.state.mn.us, kathleen.gearin@courts.state.mn.us, gregg.johnson@courts.state.mn.us, DOR.taxpayeradvocate@state.mn.us, dorrick@pioneerpress.com Mon. 6thApr09 re: 62cv09-1163 AFFIDAVIT OF SERVICE: BY FAX AND ELECTRONICALLY TO Ramsey Co. District Court Clerk: Lynae.Olson Tel: 651-266-8255,FX:266-8263 Larry.Dease 2nd Judicial Administrator Tel:651-266-8266FX:266-8278 Sheriff Bob.Fletcher Tel: 651-266-9333 Fax 266-9301 RamseyCo.Attorney Susan Gaertner 651-266-3222 Fax:266-3010 Rule 24.04 State AG Lori Swanson Tel: 651-296-3353 Fax: 282-2155 Disclaimer: Secret Service Sgt. Bedford corrected the oversight of AG's Fax No. At all times Material,Affiant Sharon Anderson aka Peterson-Chergosky-Scarrella, Attorney Pro Se, Private Attorney General, and as Republican Candidate for State AG did by Legal Notice perfect service on all of the above. Tues31Mar09 Affidavit IFP signed by Judge Dale B. Lindman Order granting IFP Affiants Affidavit (19) pgs re: 697 Surrey 32.29.22.41.0053_2008 $2,499.52 pg 53 www.review-news.com Affiants Service by Fax on all of the Above Thurs. 2ndApr.09 SET I (27 ) pgs from 651-776-5835 Outgoing Separate Fax, not attached to PC.from 6pm t 8 pm Affiants Service by Fax on all of the Above Fi.3Apr09 SET II (26) Pgs, mainly evidence 7am to 10:35 am, re: Call from Sgt. Bedford 612-348-1800 Fax 612-348-1807 SS. Monday, April 06, 2009 AOL: Sharon4Anderson

of 3 FURTHER AFFIDAVIT OF SERVICE ELECTRONICALLY BY PDF FORMAT, SLIDESHARE RE: POA at www.sharonanderson.org Blogger: Dashboard Primarily 84 pgs www.sharon4mayor2010.blogspot.com altho Affiant is Candidate for State AG, http://sharonagmn2010.blogspot.com www.taxthemax.blogspot.com http://sharon4council.blogspot.com PURSUANT TO THE PENALITYS OF PERJURY AFFIDAVIT OF SERVICE /s/ Sharon Anderson ECF_P165913 sa1299 Electronic Filings must be implemented like NOW COMPLAINTS V. CITY OF ST.PAUL re: Sent: Monday, April 06, 2009 12:55 AM Subject: Re: Housing City of St. Paul, MN - Official Website then go to Agenda Good Nite Later http://stpaul.granicus.com/AgendaViewer.php?view_id=37&event_id=40 No. 9 is the HUD Resolution etc. 9. Resolution - 09-371 - Authorizing the Department of Planning and Economic Development to submit the 2009 Consolidated Plan to the U.S. Department of Housing & Urban Development. (GS 3068880) GS3068880-Resolution are herewith notified to the Hon. Shaun Donovan HUD, the City of St. Paul cannot violate by Stealing Cars, Trailers, Trespassing on private property of Seniors those in a protected class of Social Security, Heinous violations of the ADA with Criminal Intent to defraud the US of America and HUD. AFFIDAVITS OF BILL DAHN Native American who's Home was Stolen by Illegal Sheriff Sales www.billdahn.com www.billdahn.blogspot.com Interested Party, Amicus Curie and Blogger: Dashboard AFFIDAVIT OF SHARON SCARRELLA ANDERSON sites above must triggers State and Federal Investigations into the City of St. Paul's HUD Applications based on Fraud,Deceptive Trade,Anti Trust, Breech of Contract, Mail and Wire Fraud. 42 USC 3631 HUD Secre tary MN Minneapolis Field Office DEXTER SIDNEY Kinnard Financial Center Field Office Director - 920 Second Avenue South Google Minneapolis MN 55402 Search THE HON. SHAUN.DONOVAN HUD SECRETARY, AGENTS,ASSIGNS ET AL Complaints - HUD ,Minneapolis Field Office International Centre 920 Second Avenue South, Suite 1300 Minneapolis, MN 55402-4012 Phone: (612) 370-3000 Fax: (612) 370-3220 TTY: (612) 370-3186 Jurisdiction: State of Minnesota Dexter Sidney, Field Office Director Contact the Director's Office Monday, April 06, 2009 AOL: Sharon4Anderson

of 3 LEGAL NOTICE: /s/Sharon4Anderson@aol.com ECF_P165913Pacersa1299 telfx: 651-776-5835: Attorney ProSe_InFact,Private Attorney General QuiTam Whistleblower,Candidate AG2010 www.sharonagmn2010.blogspot.com Homestead Act of 1862 Twitter / Sharon4Anderson AllMN | Sharon Anderson's Blog neopopulism.org - Pro Se Dec Action Litigation Pack Sharon4Anderson | Scribd Document's are based on SEC filings, Blogger: Dashboard Home | FAIR USE NOTICEThis site contains copyrighted material the use of which has not always been specifically authorized by the copyright owner. We are making such material available in our efforts to advance understanding of whistleblower protection issues, MY FindLaw SharonsWritProA06_1150_30Jun06_26 The CAN-SPAM Act: Requirements for Commercial Emailers kare11.com_SA Sharons-Psychic-Whispers: Sharons Gypsy Curse-Court-Cop Corruption 3Apr0http://www.givemeliberty.org/RTPlawsuit/courtfilings/Docket.htm Sharon4Council: DLJ Managment v. City St. Paul A06-2118,Money LaunderinNo direct un-apportioned tax confirmed by the US Supreme Court rulings in CHAS. C. STEWARD MACH. CO. v. DAVIS, 301 U.S. 548, 581-582(1937) g andFCC Complaints - http://sharons- copywrite.blogspot.comknowledge gained as financial journalists , http://taxthemax.blogspot.com securities they recommend to readers, affiliated entities, employees, and agents an initial trade Public domain recommendation published on the Internet, after a direct mail publication is sent, before acting Google Search Times v. Sullvian Libel with malice - on that recommendations, and may contain errors. Investment decisions should not be based solely on these or other Public Office documents expressly forbids its writers from having financial interests in Google Search BlogItBabe2007 Candidate profile Sharon4Anderson's Legal BlogBriefs Sharon4Anderson St.Paul City Council Ward2 SA-Blogs2007 Blogger: Dashboard http://sharons-copywrite.blogspot.co A Good Credit Score is 700 or Above. See yours in just 2 easy steps! Monday, April 06, 2009 AOL: Sharon4Anderson

Civil Rights Division Home Page Page 1 of 3 Skip to content En Español CRIMINAL INTERFERENCE WITH Main Page RIGHT TO FAIR HOUSING Division Overview Section Sites Summary: FOIA Section 3631 of Title 42 makes it unlawful for an Press Releases individual to use force or threaten to use force to injure, Frequently Asked intimidate, or interfere with, or attempt to injure, Questions intimidate, or interfere with, any person's housing rights Special Topics because of that person's race, color, religion, sex, handicap, familial status or national origin. Among those Cases & Briefs housing rights enumerated in the statute are: Recruitment & The sale, purchase, or renting of a dwelling Employment The occupation of dwelling The financing of a dwelling Contact Us Contracting or negotiating for any of the rights enumerated above Go to the Applying for or participating in any service, Department of Justice organizations, or facility relating to the sale or rental of dwellings. Privacy Act Statement This statute also makes it unlawful to use force or threaten to use force to injure, intimidate, or interfere with any person who is assisting an individual or class of Search Civil Rights persons in the exercise of their housing rights. Hints... The offense is punishable by a range of imprisonment up Feedback Form to a life term, depending upon the circumstances of the crime, and the resulting injury, if any. TITLE 42, U.S.C., SECTION 3631 Whoever, whether or not acting under color of law, by force or threat of force willfully injures, intimidates or interferes with, or attempts to injure, intimidate or interfere with-- (a) any person because of his race, color, http://www.usdoj.gov/crt/crim/3631fin.php 4/6/2009

Civil Rights Division Home Page Page 2 of 3 religion, sex, handicap (as such term is defined in section 3602 of this title), familial status (as such term is defined in section 3602 of this title), or national origin and because he is or has been selling, purchasing, renting, financing, occupying, or contracting or negotiating for the sale, purchase, rental, financing or occupation of any dwelling, or applying for or participating in any service, organization, or facility relating to the business of selling or renting dwellings; or (b) any person because he is or has been, or in order to intimidate such person or any other person or any class of persons from-- (1) participating, without discrimination on account of race, color, religion, sex, handicap (as such term is defined in section 3602 of this title), familial status (as such term is defined in section 3602 of this title), or national origin, in any of the activities, services, organizations or facilities described in subsection (a) of this section; or (2) affording another person or class of persons opportunity or protection so to participate; or (c) any citizen because he is or has been, or in order to discourage such citizen or any other citizen from lawfully aiding or encouraging other persons to participate, without discrimination on account of race, color, religion, sex, handicap (as such term is defined in section 3602 of this title), familial status (as such term is defined in section 3602 of this title), or national origin, in any of the activities, services, organizations or facilities described in subsection (a) of this section, or participating lawfully in speech or peaceful assembly opposing any denial of the opportunity to so participate-- shall be fined under Title 18 or imprisoned not more than one year, or both; and if bodily injury results from the acts committed in violation of this section or if such acts include the use, attempted use, or threatened use of a dangerous weapon, explosives, or fire shall be fined under Title 18 or imprisoned not more than ten years, or both; and if death results from the acts committed in violation of this section or if such acts include kidnaping or an attempt to kidnap, aggravated sexual abuse or http://www.usdoj.gov/crt/crim/3631fin.php 4/6/2009

Civil Rights Division Home Page Page 3 of 3 an attempt to commit aggravated sexual abuse, or an attempt to kill, shall be fined under Title 18 imprisoned for any term of years or for life, or both. Return to the Criminal Section Home Page Updated 2008-07-25 http://www.usdoj.gov/crt/crim/3631fin.php 4/6/2009

Civil Rights Division Home Page Page 1 of 6 Skip to content En Español Criminal Section Main Page Statutes Enforced Division Overview Section Sites Conspiracy Against Rights, 18 U.S.C. § 241. Section 241 of Title 18 is the civil rights FOIA conspiracy statute. Section 241 makes it unlawful Press Releases for two or more persons to agree together to injure, threaten, or intimidate a person in any Frequently Asked state, territory or district in the free exercise or Questions enjoyment of any right or privilege secured to Special Topics him/her by the Constitution or the laws of the Cases & Briefs Unites States, (or because of his/her having exercised the same). Unlike most conspiracy Recruitment & statutes, Section 241 does not require that one of Employment the conspirators commit an overt act prior to the Contact Us conspiracy becoming a crime. The offense is punishable by a range of imprisonment up to a Go to the life term or the death penalty, depending upon the Department of Justice circumstances of the crime, and the resulting injury, if any. Privacy Act Statement Criminal Interference with Right to Fair Housing, 42 U.S.C. § 3631. Section 3631 of Title 42 makes it unlawful for an individual to use force Search Civil Rights or threaten to use force to injure, intimidate, or interfere with, or attempt to injure, intimidate, or Hints... interfere with, any person's housing rights because of that person's race, color, religion, sex, Feedback Form handicap, familial status or national origin. Among those housing rights enumerated in the statute are: 1) the sale, purchase, or renting of a dwelling, 2) the occupation of dwelling, 3) the financing of a dwelling, 4) contracting or negotiating for any of the rights enumerated above, and 5) applying for or participating in any service, organizations, or facility relating to the sale or rental of dwellings. This statute also makes it unlawful to use force or http://www.usdoj.gov/crt/crim/statutes.php 4/6/2009

Civil Rights Division Home Page Page 2 of 6 threaten to use force to injure, intimidate, or interfere with any person who is assisting an individual or class of persons in the exercise of their housing rights. The offense is punishable by a range of imprisonment up to a life term, depending upon the circumstances of the crime, and the resulting injury, if any. Damage to Religious Property, 18 U.S.C. § 247. Section 247 of Title 18 prohibits anyone from intentionally defacing, damaging or destroying religious real property because of the religious nature of the property, so long as the crime is committed in or affects interstate commerce. The statute also prohibits anyone from intentionally obstructing or attempting to obstruct, by force or threat of force, a person in the enjoyment of that person's religious beliefs, where the crime is committed in or affects interstate commerce. Finally, the statute prohibits anyone from intentionally defacing, damaging or destroying any religious real property because of the race, color, or ethnic characteristics of any individual associated with the property, regardless of any connection to interstate or foreign commerce. Section 247 also prohibits attempts to do any of the above. See Reports of the National Church Arson Task Force. The offense is punishable by a range of imprisonment up to a life term or the death penalty, depending upon the circumstances of the crime, and the resulting injury, if any. Deprivation of Rights Under Color of Law, 18 U.S.C. § 242. This provision makes it a crime for a person acting under color of any law to willfully deprive a person of a right or privilege protected by the Constitution or laws of the United States. For the purpose of Section 242, acts under quot;color of lawquot; include acts not only done by federal, state, or local officials within the their lawful authority, but also acts done beyond the bounds of that official's lawful authority, if the acts are done while the official is purporting to or pretending to act in the performance of his/her official duties. Persons acting under color of law within the meaning of this statute include police officers, prisons guards and other law enforcement officials, as well as judges, care providers in public health facilities, and others who are acting as public officials. It is not necessary that the crime be motivated by animus toward the race, color, religion, sex, handicap, http://www.usdoj.gov/crt/crim/statutes.php 4/6/2009

Civil Rights Division Home Page Page 3 of 6 familial status or national origin of the victim. The offense is punishable by a range of imprisonment up to a life term, or the death penalty, depending upon the circumstances of the crime, and the resulting injury, if any. Federally Protected Activities, 18 U.S.C. § 245. The portion of Section 245 of Title 18 which is primarily enforced by the Criminal Section makes it unlawful to willfully injure, intimidate or interfere with any person, or to attempt to do so, by force or threat of force, because of that other person's race, color, religion or national origin and because of his/her activity as one of the following: A student at or applicant for admission to a public school or public college; A participant in a benefit, service, privilege, program, facility or activity provided or administered by a state or local government; An applicant for private or state employment; a private or state employee; a member or applicant for membership in a labor organization or hiring hall; or an applicant for employment through an employment agency, labor organization or hiring hall; A juror or prospective juror in state court; A traveler or user of a facility of interstate commerce or common carrier; A patron of a public accommodation or place of exhibition or entertainment, including hotels, motels, restaurants, lunchrooms, bars, gas stations, theaters, concert halls, sports arenas or stadiums. This statute also prohibits wilful interference, by force or threat of force, with a person because he/she is or was participating in, or aiding or encouraging other persons to participate in any of the benefits or activities listed above without discrimination as to race, color, religion, or http://www.usdoj.gov/crt/crim/statutes.php 4/6/2009

Civil Rights Division Home Page Page 4 of 6 national origin. The offense is punishable by a range of imprisonment up to a life term, or the death penalty, depending upon the circumstances of the crime, and the resulting injury, if any. Freedom of Access to Clinics, 18 U.S.C. § 248. Section 248 of Title 18 protects the exercise of free choice in obtaining reproductive health services, and the exercise of First Amendment religious freedoms. Section 248 makes it unlawful for a person to use force, threat of force, or physical obstruction to intentionally injure or intimidate a person because he/she is or has been obtaining or providing reproductive health services. Section 248 also makes it unlawful for a person to use force, threat of force, or physical obstruction to intentionally injure or intimidate a person because he/she is lawfully exercising the right of religious freedom at a place of worship. Finally, Section 248 makes it unlawful for a person to intentionally damage or destroy the property of a facility because it provides reproductive health services, or because it is a place of worship. Section 248 also prohibits anyone from attempting to commit any of the above. Read about the work of the National Task Force on Violence Against Health Care Providers . An offense under this statute is punishable by a range of imprisonment up to a life term, depending upon the nature of the offense and whether or not it is a repeat conviction under this statute. Peonage, 18 U.S.C. § 1581. Section 1581 of Title 18 makes it unlawful to hold a person in quot;debt servitude,quot; or peonage, which is closely related to involuntary servitude. Section 1581 prohibits using force, the threat of force, or the threat of legal coercion to compel a person to work against his/her will. In addition, the victim's involuntary servitude must be tied to the payment of a debt. Involuntary Servitude, 18 U.S.C. § 1584. Section 1584 of Title 18 makes it unlawful to hold a person in a condition of slavery, that is, a condition of compulsory service or labor against his/her will. A Section 1584 conviction requires that the victim be held against his/her will by actual force, threats of force, or threats of legal coercion. Section 1584 also prohibits compelling a person to work against his/her will by creating a http://www.usdoj.gov/crt/crim/statutes.php 4/6/2009

Civil Rights Division Home Page Page 5 of 6 quot;climate of fearquot; through the use of force, the threat of force, or the threat of legal coercion [i.e., If you don't work, I'll call the immigration officials.] which is sufficient to compel service against a person's will. Forced Labor, 18 U.S.C. § 1589. Section 1589 of Title 18, which was passed as part of the TVPA, makes it unlawful to provide or obtain the labor or services of a person through one of three prohibited means. Congress enacted § 1589 in response to the Supreme Court’s decision in United States v. Kozminski, 487 U.S. 931 (1988), which interpreted § 1584 to require the use or threatened use of physical or legal coercion. Section 1589 broadens the definition of the kinds of coercion that might result in forced labor. Trafficking with Respect to Peonage, Slavery, Involuntary Servitude, or Forced Labor, 18 U.S.C. § 1590. Section 1590 makes it unlawful to recruit, harbor, transport, or broker persons for labor or services under conditions which violate any of the offenses contained in Chapter 77 of Title 18. Sex Trafficking of Children or by Force, Fraud, or Coercion, 18 U.S.C. § 1591. Section 1591 criminalizes sex trafficking, which is defined as causing a person to engage in a commercial sex act under certain statutorily enumerated conditions. A commercial sex act means any sex act, on account of which anything of value is given to or received by any person. The specific conditions are the use of force, fraud, or coercion, or conduct involving persons under the age of 18. The punishment for conduct that either involves a victim who is under the age of 14 or involves force, fraud, or coercion is any term of years or life. The punishment for conduct that involves a victim between the ages of 14 and 18 is 40 years. Unlawful Conduct with Respect to Documents in Furtherance of Trafficking, Peonage, Slavery, Involuntary Servitude, or Forced Labor, 18 U.S.C. § 1592. Section 1592 makes it illegal to seize documents in order to force others to work. By expanding its coverage to false documents as well as official documents, § 1592 recognizes that victims are often immobilized by the withholding of whatever documents they possess, even if the documents are forged or fraudulent. Section 1592 expands the scope of federal trafficking statutes to reach those who prey on the vulnerabilities of immigrant victims by http://www.usdoj.gov/crt/crim/statutes.php 4/6/2009

Civil Rights Division Home Page Page 6 of 6 controlling their papers. Additional Provisions Under the Trafficking Victims Protection Act Mandatory Restitution, 18 U.S.C. § 1593 Attempt and Forfeiture, 18 U.S.C. §§ 1594(a) and (b) Private Right of Action, 18 U.S.C. § 1595 Intimidation of Voters, 18 U.S.C. § 594 Section 594 makes it illegal to use intimidation, threats, or coercion, or attempt to use any of these means, to interfere with the right of another to vote or vote as the individual chooses, or to cause the individual to vote or not vote for any particular candidate for federal office. National Voter Registration Act, 42 U.S.C. § 1973gg-10(1) Section 1973gg-10(1) of Title 42 criminalizes, in a federal election, to intimidate, threaten, or coerce a prospective registrant or voter from registering to vote, voting, or attempting to register or vote, or for urging another to register or vote. Return to the Criminal Section Home Page Updated 2008- 07-25 http://www.usdoj.gov/crt/crim/statutes.php 4/6/2009

Complaints - HUD Page 1 of 1 Complaints HUD News HUD handles complaints in several categories: Newsroom Information by State Priorities Esta página en español About HUD Housing discrimination: Federal law prohibits Print version housing discrimination based on your race, Homes color, national origin, religion, sex, family Buying status, or disability. If you have been trying to Owning buy or rent a home or apartment and you believe your rights have been violated, Selling you can file a fair housing complaint. Renting Homeless Bad landlords in federal housing: Hundreds of landlords have been fined Home improvements and/or debarred from doing business with the federal government as a result of HUD homes Fair housing failing to provide safe and decent housing for the poor, while enriching themselves FHA refunds on taxpayer-funded subsidies. Find out how to report a bad landlord. Foreclosure Consumer info Manufactured housing: If you have a problem with your manufactured home, learn how to solve the problem. Communities About communities Land sales: The Interstate Land Sales Full Disclosure Act protects consumers Volunteering Organizing from fraud and abuse when buying or leasing land from developers. If you believe Economic development your rights have been violated, you can file a complaint by writing to HUD. Working with HUD Deceptive contractors: HUD insures loans to help people renovate and repair Grants their homes through a program called Title 1. If you have problems with a Programs contractor who is performing work for you under this program, find out how to Contracts report it to HUD. Work online HUD jobs Complaints Fraud, waste, and abuse: If you are aware of fraud, waste, and abuse in HUD programs and operations, report it to HUD's Inspector General Hotline! Resources Library Customer Service: HUD strives to provide excellent customer service. Had a Handbooks/ forms great experience with HUD? Didn't get the service that you expected from HUD? Common questions We want to know. Tools Webcasts Problems with HUD's web site: We do our best to keep HUD's web site current Mailing lists and accurate for you. If you find something wrong on HUD's web site - bad links, RSS Feeds information that you believe is wrong or outdated - we want to know. Please Help contact us! Content current as of 6 October 2006 Back to top FOIA Privacy Web Policies and Important Links Home U.S. Department of Housing and Urban Development 451 7th Street S.W., Washington, DC 20410 Telephone: (202) 708-1112 TTY: (202) 708-1455 Find the address of a HUD office near you http://www.hud.gov/complaints/index.cfm 4/6/2009

Homestead Act of 1862 Page 1 of 2 Settlement Family History -- Bethune, Colorado -- German Russian Settlement Developed by: Nathan Krämer -- Blair, Nebraska Homestead Act of 1862 Summary The Homestead Act of 1862 was passed by the U.S. Congress. It provided for the transfer of 160 acres (65 hectares) of unoccupied public land to each homesteader on payment of a nominal fee after five years of residence; land could also be acquired after six months of residence at $1.25 an acre. The government had previously sold land to settlers in the West for revenue purposes. As the West became politically stronger, however, pressure was increased upon Congress to guarantee free land to settlers. Several bills providing for free distribution of land were defeated in Congress; in 1860 a bill was passed in Congress but was vetoed by President Buchanan. With the ascendancy of the Republican party (which had committed itself to homestead legislation) and with the secession of the South (which had opposed free distribution of land), the Homestead Act, sponsored by Galusha A. Grow, became law. In 1976 it expired in all the states but Alaska, where it ended in 1986. SEC. 3. And be it further enacted, That the register THIRTY-SEVENTH CONGRESS of the land office shall note all such applications on Sess. II Ch. 75 1862 the tract books and plats of his office, and keep a register of all such entries, and make return thereof Chap. LXXV. -- An Act to secure Homestead to to the General Land Office, together with the proof actual Settlers on Public Domain. upon which they have been founded. Be It enacted by the Senate and House of SEC. 4. And be it further enacted, That no lands Representatives of the United States of America in acquired under the provisions of this act shall in any assembled, That any person who is the head of a event become liable to the satisfaction of any debt of family, or who has arrived at the age of twenty-one debts contracted prior to the issuing of the patent years, and is a citizen of the United States, or who therefor. shall have filed his declaration intention to become such, as required by the naturalization laws of the SEC 5. And be it further enacted, That if, at any time United States, and who has never borne arms against after the filing of the affidavit, as required in the the United States Government or given aid and second section of this act, and before the expiration comfort to its enemies, shall, from and after the first of the five years aforesaid, it shall be proven, after January, eighteen hundred and sixty-three, be due notice to the settler, to the satisfaction of the entitled to enter one quarter section or a less quantity register of the land office, that the person having of unappropriated public lands, upon which said filed such affidavit shall have actually changed his or person may have filed a preëmption claim, or which her residence or abandoned the said land for more may, at the time the application is made, be subject than six months at any time, then and in that event to preëmption at one dollar and twenty-five cents, or the land so entered shall revert to the government. less, per acre; or eighty acres or less of such unappropriated lands, at two dollars and fifty cents per acre, to be located in a body, in conformity to the SEC. 6. And be it further enacted, That no individual legal subdivision of the public lands, and after the shall be permitted to acquire title to more than one same shall have been surveyed: Provided, That any quarter section under the provision of this act; and person owning and residing on land may, under the that the Commissioner of the General Land Office is provisions of this act, enter other land lying hereby required to prepare and issue such rules and contiguous to his or her said land, which shall not, regulations, consistent with this act, as shall be with the land so already owned and occupied, exceed necessary and proper to carry its provision into in the aggregate one hundred and sixty acres. effect; and that the registers and receivers of the several land offices shall be entitled to receive the same compensation for any lands entered under the SEC. 2. And be it further enacted, That the person provision of this act that they are now entitled to applying for the benefit of this act shall, upon receive when the same quantity of land is entered application to the register of the land office in which with money, one half to be paid by the person he or she is about to make such entry, make affidavit making the application at the time of so doing, and before the said register or receiver that he or she is the other half on the issue of the certificate by the the head of a family, or is twenty-one year or more http://www.nathankramer.com/settle/article/homestead.htm 4/6/2009

Homestead Act of 1862 Page 2 of 2 of age, or shall have performed service in the army person to whom it may be issued; but this shall not or navy of the United States, and that he has never be construed to enlarge the maximum of borne arms against the Government of the United compensation now prescribed by law for any register States or given aid and comfort to its enemies, and or receiver; Provided, That nothing contained in this that such application is made for his or her exclusive act shall be so construed as to impair or interfere in use and benefit, and that said entry is made for the any manner whatever with existing preëmption purpose of actual settlement and cultivation, and not rights. And provided, further, That all persons who either directly or indirectly for the use or benefit of may have filed their applications for a preëmption any other person or person whomever; and upon right prior to the passage of this act, shall be entitled filing the said affidavit with register or receiver, and to all privileges of this act: Provided, further, That no on payment of ten dollars, he or she shall thereupon person who has served, or may hereafter serve, for a be permitted to enter the quantity of land specified: period of not less than fourteen days in the army or Provided, however, That no certificate shall be given navy of the United States, either regular or volunteer, or patent issued therefor until the expiration of five under the laws thereof, during the existence of an years from the date of such entry; and if, at the actual war, domestic or foreign, shall be deprived of expiration of such time, or at any time within two the benefits of this act on account of not having years thereafter; the person making such entry; or, if attained the age of twenty-one years. he be dead, his widow; or in case of her death, his heirs or devisee; or in case of a widow making such SEC. 7. And be it further enacted, That the fifth entry, her heirs or devisee, in case of her death; shall section of the act entitled quot;An act in addition to an prove by two credible witnesses that he, she, or they act more effectually to provide for the punishment of have resided upon or cultivated the same for the term certain crimes against the United States, and for of five years immediately succeeding the time of other purposes,quot; approved the third of March, in the filing the affidavit aforesaid, and shall make affidavit year eighteen hundred and fifty-seven, shall extend that no part of said land has been alienated, and that to all oaths, affirmations, and affidavits, required or he has borne true allegiance to the Government of authorized by this act. the United States; then, in such case, he, she, or they, if at that time a citizen of the United States, shall be SEC. 8. And be it further enacted, That nothing in entitled to a patent, as in other cases provided for by this act shall be so construed as to prevent any law; And provided further, That in case of the death person who has availed him or herself of the benefits of both father and mother, leaving an infant child or of the first section of this act, from paying the children, under twenty-one years of age, the right minimum price, or the price to which the same may and fee shall enure to the benefit of said infant child have graduated, for the quantity of land so entered at or children; and the executor, administrator or any time before the expiration of the five years, and guardian may, at any time within two years after the obtaining a patent therefor from the government, as death of the surviving parent, and in accordance with in other cases provided by law, on making proof of the laws of the State in which such children for the settlement and cultivation as provided by existing time being have their domicil, sell said land for the laws granting preëmption rights benefit of said infants, but for no other purpose; and the purchaser shall acquire the absolute title by the Approved, May 20, 1862. purchase, and be entitled to a patent from the United Vol. XII Pub -- 50 page 393 States, on payment of the office fees and sum of money herein specified. http://www.nathankramer.com/settle/article/homestead.htm 4/6/2009

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Housing and Redevelopment Authority Page 1 of 3 AGENDA OF THE SAINT PAUL HOUSING AND REDEVELOPMENT AUTHORITY CITY COUNCIL CHAMBERS, 3RD FLOOR City Hall and Court House 15 West Kellogg Boulevard Wednesday April 8, 2009 2:00 PM ROLL CALL CONSENT 1. Approval of the February 25, 2009 meeting minutes. 2. Resolution Authorizing the Execution and Delivery of an Amended and Restated Intercreditor Agreement in Connection with the Issuance by the City of Saint Paul, Minnesota, of Its Variable Rate Demand Taxable Sales Tax Revenue Refunding Bonds (RiverCentre Arena Project), Series 2009A and Authorizing other Actions in Connection Therewith, District 17 Report Resolution Attachment B DISCUSSION 3. Resolution (A) Authorizing the Issuance of Parking Facility Lease Revenue Bonds, Series 2009 (Rivercentre Parking Ramp Improvements), and (B) Authorizing the Execution of Various Documents in Connection with the Bonds and Related Transaction, and (C) Supplementing a Redevelopment Plan, District 17. http://stpaul.granicus.com/AgendaViewer.php?view_id=37&event_id=2 4/6/2009

Housing and Redevelopment Authority Page 2 of 3 Report Resolution Budget Attachment B Attachment C & C1 4. Endorsement of Proposed Changes to the Minneapolis/Saint Paul Housing Finance Board's Low Income Housing Tax Credit Procedural Manual and Low Income Housing Tax Credit Qualified Allocation Plan for 2010, Citywide Report Resolution Attachment B Attachment C 5. Saint Paul Hero's First-Time Homebuyer's Loan Program, Citywide Report Resolution Attachment B ADJOURNMENT ************************************* Council Meeting Information Web Meetings are available on the Council's website. Email notification and web feeds (RSS) of newly released Minutes, Agendas and Meetings are available by subscription. Please visit http://www.stpaul.gov/council/ for meeting videos and updated copies of the Agendas, Minutes and supporting documents. http://stpaul.granicus.com/AgendaViewer.php?view_id=37&event_id=2 4/6/2009

Housing and Redevelopment Authority Page 3 of 3 Cable Meetings are live on St Paul Channel 18 and replayed on: Thursdays at 5:30 p.m., Saturdays at 12:30 p.m., and Sundays at 1:00 p.m. (Subject to change) ***************************************** http://stpaul.granicus.com/AgendaViewer.php?view_id=37&event_id=2 4/6/2009

HOUSING AND REDEVELOPMENT AUTHORITY OF THE CITY OF SAINT PAUL, MINNESOTA REPORT TO THE COMMISSIONERS DATE: April 8, 2009 REGARDING: SAINT PAUL HEROS FIRST-TIME HOMEBUYERS LOAN PROGRAM, CITYWIDE Requested Board Action Staff is requesting the HRA Board of Commissioners to approve a first-time homebuyer loan assistance program for heros as defined herein, purchasing homes in Saint Paul. Background The HRA Board of Commissioners adopted Resolution 09-01/28-06 approving the Take Credit! mortgage credit certificate program which will provide up to $8,094,750 of federal tax credits to qualified first-time homebuyers purchasing homes in Saint Paul. Pursuant to the guidelines of Take Credit! , a homeowner may take 20% of their mortgage interest paid per year, for the life of the mortgage loan, as a tax credit rather than as a exemption , thus receiving a dollar-for-dollar reduction in taxes owed for the year. Program funding will be able to assist up to 130 first-time homebuyers. The government, health care and education sectors of our economy are experiencing challenges never before confronted, both financial and otherwise. Yet these sectors continue to provide quality services and safety for the citizenry due in large part to the dedicated commitment and sacrifice of the workers providing service. In recognition of their efforts, Mayor Coleman and Commissioner Helgen are proposing a loan program for first-time homebuyers in who work in these sectors to make purchasing a home in Saint Paul more affordable to them. Specifically, the loan program would be eligible to first-time homebuyers who are veterans or in the U.S. Armed Forces, firefighters, emergency medical/technicians, paramedics, health care workers, police officers, teachers and public employees. Up to $15,000 can be used for down payment assistance, cover closing costs ,or buy down the principal on the mortgage. The interest rate on loans will be 0% interest. No payments will be required. Repayment will be required when one of the following occurs: primary mortgage is paid off, the homeowner no longer uses the home Page 1 of 4

as his/her primary residence, or when the home is sold, unless the borrower resides in the home as their primary residence longer than 10 years. In this case, the loan will be forgiven. Details regarding eligibility, specific loan terms, purchase price, and income limits are specified in Attachment B of this report. The loan is a supplement and can only be used with the Take Credit! MMC program as an added incentive to those who to choose to live in Saint Paul. The program will be implemented by over 30 participating private mortgage lenders and will officially go into effect April 21, 2009. Budget Action No budget action is necessary. The program will be funded by dollars previously earmark though the Minneapolis-Saint Paul Finance Board for special assistance for first-time homebuyers as part of the CityLiving single family mortgage program. Future Action None. Financing Structure The Saint Paul Heros First-time Homebuyer Loan Program must be used in combination with the Take Credit! Program and any fixed-rate FHA, VA, RHS, Fannie Mae or Freddie Mac insured loan product that is generally considered to be an “A” or “prime lending product” originated through participating lenders. Saint Paul Heros First-time Homebuyer Loan Program loans are not eligible for use with subprime, interest-only, or balloon loans, or adjustable rate mortgages (ARMS). Loan Terms Zero percent interest • No monthly payments • Minimum loan - $1,000 • Maximum loan - $15,000 • Page 2 of 4

Repayable when the primary mortgage is paid off, the homeowner is no longer the • primary residence, or when the home is sold, unless the borrower resides in the home as their primary residence longer than 10 years; in this case, the loan will be forgiven. Considered a ‘special mortgage” under the terms of Minnesota Statutes 58.13 Loans. • Loans will be separately secured by a Second Mortgage and Promissory Note. Loan will be forgiven if borrower resides in the home as their primary residence longer • than 10 years. Loan will be allowed to be subordinated to a refinancing of the original mortgage loan so • long as no cash is taken out of the refinanced mortgage loan unless used to make improvements to the borrower’s home. PED Credit Committee Review Not applicable. Compliance Compliance is not applicable because the program funds are used to assist first-time homebuyers to purchase existing homes. Green/Sustainable Development It is not applicable because the program funds are used to assist first-time homebuyers purchase existing homes. Public Purpose To increase homeownership in Saint Paul • To increase the affordability to purchase a home in Saint Paul • Recommendation: The Executive Director recommends approval of the attached resolution (Attachment A) creating the Saint Paul Heros First-time Homebuyer Loan Program. Sponsored by: Commissioner Helgen Staff: Stephanie Hawkinson, 266-6585 Allen Carlson, 266-6616 Page 3 of 4

Attachments Attachment A – Resolution • Attachment B – Program Summary • Page 4 of 4

HOUSING AND REDEVELOPMENT AUTHORITY OF THE CITY OF SAINT PAUL, MINNESOTA REPORT TO THE COMMISSIONERS DATE: APRIL 8, 2009 REGARDING: ENDORSEMENT OF PROPOSED CHANGES TO THE MINNEAPOLIS/SAINT PAUL HOUSING FINANCE BOARD’S LOW INCOME HOUSING TAX CREDIT QUALIFIED ALLOCATION PLAN FOR 2010 – CITYWIDE Requested Board Action The purpose of this report is to request the Housing and Redevelopment Authority (HRA) Board of Commissioners to endorse proposed changes to the Minneapolis/Saint Paul Housing Finance Board’s Low Income Housing Tax Credit Procedural Manual and Qualified Allocation Plan for 2010. The proposed changes are specifically identified in Article VII and Article VII of the Procedural Manual which is referenced in Attachment B and Article IX of the Qualified Plan- Saint Paul Selection Priorities which is referenced in Attachment C. Background The Federal Tax Reform Act of 1986 created the Low Income Housing Tax Credit (“LIHTC”) for qualified residential properties to encourage the production of affordable, low-income rental housing. The LIHTC provides a reduction in federal tax liability to owners and investors in qualified low-income housing developments. The LIHTC is taken annually for ten years. In order to take the LIHTC, the applicable building must comply with federally-imposed rent and tenant income restrictions for 15 years with an extended use period of an additional 15 years. At a minimum, at least 40% of the units must be affordable to and rented as such to households at or below 60% of the area median income (AMI) or at least 20% of the units must be affordable to and rented as such to households at or below 50% of AMI for the duration of the restricted period. The Minneapolis/Saint Paul Housing Finance Board (“Housing Finance Board”) is the sub- allocator of the LIHTC offered to qualified housing developments located in Saint Paul through the HRA Board and in Minneapolis through the Minneapolis City Council. As a sub-allocator, Proposed LIHTC Allocation Plan 2010.doc 1

the Housing Finance Board must annually publish a Tax Credit Procedural Manual (Manual) and Qualified Allocation Plan (Plan). The Manual and Plan set the time line, process, and criteria by which the Housing Finance Board chooses projects to receive the LIHTC. In 2009, federal legislation authorized an enhanced higher credit amount. However, the federal legislation had a sunset clause that was applicable only for 2008 and 2009. Consequently, the 2010 LIHTC allocation is reduced to reflect changes in federal legislation. Saint Paul’s LIHTC allocation amount is now estimated to be $925,157 for 2010 compared to $969,212 for 2009. Staff is proposing, based upon previous HRA Board action and discussions with HRA Commissioners, certain amendments to the Plan which give selection preference to LIHTC projects that support city initiatives. Summary of Changes to the 2010 Low Income Housing Tax Credit Procedural Manual As referenced in the Attachments, HRA staff recommends changes to the Low Income Housing Tax Credit Procedural Manual as follows: 1. Add language in Submission Requirements for Carryover Agreements, Article VII (C) of the Procedural Manual to require developers to submit a Tax Identification Number as part of the LIHTC Carryover application. 2. Revise Article VIII (B) and Article VIII (D) to increase the special counsel fee from $2,500 to $3,000. The special counsel fee is paid by the developer so that HRA can determine whether the LIHTC applications comply with federal legislation. 3. Revise Article VIII (C) to make the LIHTC reservation deposit non-refundable in 2010. Currently, the HRA receives a refundable reservation deposit of 1.5% of the tax credit allocation amount for projects in Saint Paul prior to issuance of a reservation letter. This proposed change can generate approximately $15,000 annually for HRA to cover HRA operations related to affordable housing development. 4. Revise Article VIII (D) to make the Carryover Reservation Fee non-refundable in 2010. Currently, HRA receives a refundable carryover reservation deposit equal to 1.5% of the tax credit allocation amount when HRA issues a carryover allocation for projects in Saint Paul. This proposed change may also generate approximately $15,000 annually for HRA to cover HRA operations related to affordable housing development. Proposed LIHTC Allocation Plan 2010.doc 2

5. Revise Article VIII (F) to increase the physical inspection fee of LIHTC rental units from $30 to $35. To comply with LIHTC regulations, physical inspections occur every three years. Summary of Changes to the Qualified Allocation Plan HRA staff recommends changes to the Qualified Allocation Plan in order to reflect the priorities of the HRA Board. In summary, the proposed changes include the following: 1. Under Saint Paul’s Selection Priorities, Article IX of the Plan will give increased priority points to projects that preserve below market rate, subsidized, low-income housing. This proposed change supports the city’s existing affordable housing stock. 2. Article IX will give priority points to projects that are located within 0.25 miles of a mass transit stop adjacent to the Preferred Transit Network of the Transportation Plan of the Saint Paul Comprehensive Plan or within 0.5 miles of the Phalen Corridor. This proposed change supports redevelopment along the City’s major transit corridors. 3. Article IX will give priority points to projects with higher density housing built within the Neighborhood Centers or Corridors as identified in the Land Use Plan of the Saint Paul Comprehensive Plan. The proposed change supports new development in neighborhood centers or corridors where housing, employment, shopping, and community amenities, supported by transit, work together to meet the needs of the residents. 4. Article IX will give increased priority points to projects that received a tax credit allocation in the prior year, but due to a shortage of credits in the prior year allocation, these projects require an allocation of Credits to be financially feasible. This proposed change reflects HRA Board priorities. Future Action Upon HRA Board endorsement of the proposed amendments to the Plan, the Housing Finance Board will hold a public hearing on May 6, 2009 to consider formal adoption of the proposed amendments. Applications for LIHTC will be due to the HRA on June 23, 2009. HRA staff will request HRA Board action to allocate the 2010 LIHTC in August or September 2009. Proposed LIHTC Allocation Plan 2010.doc 3

Green/Sustainable Development All new construction projects must comply with the sustainable development standards known as the Minnesota Overlay developed in coordination with Green Communities. All rehabilitation projects must comply with the sustainable development standards known as the Interim Saint Paul PED/HRA Sustainability Initiative. Public Purpose Annual approval of low-income housing tax credits promotes rental housing that is affordable to Saint Paul residents with incomes at or below 60% of area median income. Recommendation Staff recommends that the HRA Board endorse the proposed amendments to the Low Income Housing Tax Credit Qualified Allocation Plan for 2010 pursuant to the attached resolution. Commissioner Dave Thune Sponsored by: Joe Collins, 651-266-6020 Staff: Attachments: • Attachment A – Resolution Attachment B – Proposed Changes to Low Income Housing Tax Credit Procedural • Manual Attachment C – Proposed Changes to Article IX of the Qualified Plan • Proposed LIHTC Allocation Plan 2010.doc 4

of 1 Subj: HUD-903.1 Internet Form Date: 4/6/2009 11:59:39 A.M. Central Daylight Time From: complaints_office_00@hud.gov To: complaints_office_00@hud.gov, Sharon4Anderson@aol.com, complaints_office_05@hud.gov Thank you for your support. We received your inquiry on April 6, 2009 12:59 PM. Complainant: Sharon Anderson Time to Call: Day Daytime #: 651-776-5835 Evening #: Address: PO Box 4384 St. Paul MN 55104-0384 #1 Contact: Bill Dahn Organization:www.billdahn.com Daytime #: 651-453-1992 Best Time to Call: Days Home #: #2 Contact: Organization: Daytime #: Best Time to Call: Days Home #: What Happened: City St.Paul, has systemically for over 20 years quot;takenquot; without compensation, currently Alleged Tax Delinquent Ranmsey Dist. Crt. 62cv09-1163, the quot;takingquot; of Homestead Credit, Assessments/Fees by Theft, Trespass,Treason all documented re: www.sharonanderson.org quot;takingquot; Water to Steal the Property at 697 Surrey Ave St.Paul MN. 55106 for pecuniary gain, ILlegal Sheriff Sales www.billdahn.blogspot.com HS at 256 Morton St. W. St.Paul,MN other related propertys 1058 Summit, 448 Desnoyer Duplex, 326 N. Wilder 6 unit,2194 Marshall duplex, Gun Lake, Buck Lake, et al Why: Bill Dahn is Native American, Sharon Scarrella Anderson, Senior VA Widow, 70 yrs, Social Security, Both Disabled, City of St. Paul has tried for years to exploit us for Political Reprisals Equity Skimming, Taking our Homestead Credits. etc. Forensic Evidence http://sicko-citystpaul.blogspot.com http://sharon4council.blogspot.com Respondent: Chris Coleman Organization:Mayor City St.Paul MN www.ci.stpaul.mn.us Address: City Hall, St. Paul, MN 55102 Where did it happen: Single Family Home 697 Surrey Ave St.Paul MN 55106 When: 30-mar-2009 Is it continuing:Yes Monday, April 06, 2009 AOL: Sharon4Anderson

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