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                      SOCIAL SERVICES

PURPOSE:                CACLV strives to enhance economic opportunity for all residents
                        of the Lehigh Valley.

ORIGIN:                 CACLV is a community-action agency created in 1965 as part of
                        the War on Poverty.

HOW IT WORKS:           CACLV is governed by a board of directors representing the public
                        sector, the private sector, and the low-income community. Each of
                        CACLV’s programs was developed in response to identified
                        community needs through a problem-solving approach that stresses
                        public-private partnerships.

SERVICE AREA:           CACLV serves Lehigh and Northampton counties.

TRACK RECORD:           In addition to many human-services programs serving low-income
                        households in the Lehigh Valley, CACLV operates the following
                        programs that pertain to community reinvestment:

                        Home-Ownership Counseling Program — this effort involves
                        community outreach, seminars on the home-buying process,
                        advocacy, and pre-settlement and individual counseling.

                        The Community Action Development Corporation of the
                        Lehigh Valley (CADCLV) — an Allentown-based subsidiary that
                        develops market opportunities and creates and incubates employee-
                        owned businesses.

                        The Community Action Development Corporation of
                        Bethlehem — a subsidiary of CACLV with activities similar to
                        those of CADCLV.

                        Lehigh Valley Coalition on Affordable Housing — a CACLV-
                        staffed coalition created with a goal of ensuring that everyone in the
                        Lehigh Valley has housing that is affordable and safe and complies
                        with local housing codes.

                        Community Reinvestment Advisory Council — a coalition of
                        banks and community organizations that strive to create
                        partnerships related to the Community Reinvestment Act.

                        The Energy Partnership — a weatherization program that installs
                        energy-conservation measures worth about $1,500 per house for
                        nearly 1,000 households per year throughout the Lehigh Valley.

                        The New Neighborhood Credit Union — under development to
                        provide financial services to low- and moderate-income residents of
                        Allentown, Bethlehem, and Easton.
FUTURE PLANS:         CACLV welcomes assistance from financial institutions as it begins
                      an intensive phase to implement The New Neighborhood Credit

                      A planned development will convert a 25,000-square-foot south
                      Bethlehem mill into CACLV’s corporate offices and housing units
                      for low-to moderate-income residents. CADCLV will also develop
                      a business incubator in downtown Allentown.

WHAT ARE THE CREDIT   CACLV encourages banks to seek greater racial and ethnic
NEEDS IN YOUR         diversity, especially in management positions, and to train lenders
COMMUNITY:            in community development finance.

BUDGET FY 2000:       Not available

FUNDING SOURCES:      CACLV receives financial assistance from a variety of federal,
                      state, and local government agencies, as well as private sources.

STAFF:                CACLV has 65 full-time and 12 part-time employees.

CONTACT PERSON’S      Alan L. Jennings joined CACLV in 1980 and served in several
BACKGROUND:           positions before becoming executive director in 1990.

CONTACT               Alan L. Jennings
INFORMATION:          Executive Director
                      Community Action Committee of the Lehigh Valley, Inc.
                      651 East Broad Street
                      Bethlehem, PA 18018
                      (610) 691-5620
                      (610) 691-6582 (fax)
                      Web Site:

OFFICERS:             Rose Craig                             President
                      Julio Guridy                           Vice President
                      Anthony Sodl                           Treasurer
                      Margie Maldonado                       Secretary

PURPOSE:                Consumer Credit Counseling Service of Lehigh Valley, Inc.
                        (CCCS) helps people solve their debt problems. CCCS also
                        provides consumer-education seminars for adults and children.

ORIGIN:                 CCCS was established in 1975 by local creditors to provide debt
                        counseling and to help financially distressed consumers throughout
                        the Lehigh Valley and Delaware Valley. CCCS is a member of the
                        National Foundation for Consumer Credit.

HOW IT WORKS:           CCCS offers the following types of financial counseling and debt

                        Budget Counseling — Consumers learn sound methods of
                        managing their money and credit through confidential and
                        professional financial counseling. Personal budgets are created for
                        the consumer.

                        Debt Repayment Program — CCCS can organize a regular
                        repayment plan between the consumer and creditors, if appropriate,
                        based upon the consumer’s financial situation.

                        Mortgage Counseling — Default mortgage counseling is available
                        to home owners experiencing difficulty in meeting their mortgage
                        payments. CCCS processes applications for Pennsylvania’s
                        Homeowners’ Emergency Mortgage Assistance Program. Home
                        owners must be referred to the program by their mortgage lender.

                        Housing Counseling — CCCS is a comprehensive housing-
                        counseling agency certified by the U.S. Department of Housing and
                        Urban Development. It provides counseling to the elderly on
                        home-equity conversion mortgages. CCCS provides pre-purchase
                        counseling to first-time home buyers in cooperation with a range of
                        housing agencies.

                        Educational Programs — CCCS provides seminars for adults on
                        money management, wise use of credit, buying a house, and
                        planning for retirement and conducts seminars for children on
                        money management. CCCS participates in seminars in cooperation
                        with schools, colleges, businesses, creditors, and civic

SERVICE AREA:           CCCS serves an eastern Pennsylvania region consisting of Berks,
                        Bucks, Carbon, Lehigh, Montgomery, Monroe, Northampton, and
                        Schuylkill counties. CCCS has offices located in Easton, Jim
                        Thorpe, New Hope, Pen Argyl, Pottstown, Pottsville, Quakertown,
                        Reading, Tamaqua, and Whitehall, Pa.

TRACK RECORD:           CCCS annually counsels an average of 5,500 clients, of whom
                      approximately 1,000 enter a debt-repayment program and thereby
                      avoid bankruptcy. In addition, another 1,000 individuals receive
                      housing counseling.

                      In 2000, CCCS’ consumer-education representatives spoke at over
                      225 meetings that were organized by community and school
                      organizations and were attended by about 5,500 individuals. Also
                      in 2000, $10,255,593 was returned to creditors through CCCS’
                      debt-repayment program.

FUTURE PLANS:         CCCS plans to expand its educational and debt-repayment
                      programs. It also plans to increase awareness of CCCS programs
                      so that it can serve more clients.

WHAT ARE THE CREDIT   CCCS encourages creditors to refer consumers for counseling.
NEEDS IN YOUR         Lender acceptance and participation in CCCC’s debt-repayment
COMMUNITY:            program is essential to its success. Contributions are necessary to
                      fund CCCS’ educational programs.

BUDGET FY 2000:       Not available

FUNDING SOURCES:      Funding is provided by banks, finance companies, credit unions,
                      businesses, and individuals.

STAFF:                CCCS has 24 full-time and six part-time employees.

CONTACT PERSON’S      Albert J. Kotch has been president and chief executive officer of
BACKGROUND:           CCCS since 1982. He previously was employed in the banking and
                      finance field for six years and was a self-employed home contractor
                      for 10 years. He serves on the board of trustees and several
                      committees of the National Foundation for Consumer Credit.

CONTACT               Albert J. Kotch
INFORMATION:          President and Chief Executive Officer
                      CCCS of Lehigh Valley, Inc.
                      3671 Crescent Court East
                      P.O. Box 189
                      Whitehall, PA 18052
                      (610) 821-4010
                      (610) 821-8932 (fax)
                      Web Site:

OFFICERS:             Edward J. Leiby                             Chairman
                      James Carpenter                             Vice Chairman
                      Rob Tinney                                  Secretary/Treasurer
                        PHOEBE MINISTRIES

PURPOSE:              The mission of Phoebe Ministries is to promote, develop, and
                      provide a continuum of care for older adults that includes housing
                      and supportive services.

ORIGIN:               Phoebe Ministries was founded in 1903 by congregations of the
                      Reformed Church in the United States, now the United Church of
                      Christ. It was formed as a training school for young women
                      preparing for the work of deaconess in the Reformed Church. Part
                      of the deaconess training was caring for older members of the
                      congregation. The deaconess movement waned in the 1920s, but
                      the church’s commitment to the elderly continued. Phoebe entered
                      the housing field in 1971 with a project in Allentown financed by
                      the U.S. Department of Housing Development.

HOW IT WORKS:         Phoebe Ministries is a multi-service organization specializing in
                      health care, retirement communities, residential housing, and
                      support services for the elderly.

SERVICE AREA:         Phoebe Ministries serves older adults throughout eastern and central

TRACK RECORD:         Phoebe Ministries provides services to more than 3,000 adults
                      through 10 housing developments for the elderly and four nursing
                      homes. It owns and operates 1,580 housing units. At least 50
                      percent of the residents in its housing developments and nursing
                      homes have low or moderate income.

                      Phoebe Ministries developed five housing complexes for the elderly
                      in Berks County that were financed by the Low-Income Housing
                      Tax Credit Program (LIHTC). In 1992, Phoebe Ministries
                      developed a retirement complex in Wernersville, Pennsylvania,
                      featuring independent living, assisted living, and skilled-nursing

                      Most recently, it developed an LIHTC-financed project in
                      Northampton County called Wind Gap Manor.

FUTURE PLANS:         Phoebe Ministries may become more active in low-income housing
                      development. It also is planning expansion of its 88-unit market-
                      rate continuing-care retirement community in Allentown.

WHAT ARE THE CREDIT   Phoebe Ministries wants banks to continue to purchase low-income
NEEDS IN YOUR         housing tax credits and to provide conventional financing in
COMMUNITY:            connection with its developments.

BUDGET FY 2000:       Not available
FUNDING SOURCES:   Phoebe Ministries receives fees for services and subsidies from
                   government programs.

STAFF:             Phoebe Ministries employs more than 900 people.

CONTACT PERSON’S   Kenneth V. Daniel is executive director of Phoebe
BACKGROUND:        Housing/Retirement Services, a subsidiary of Phoebe Ministries.
                   He has served as retirement-housing manager and nursing-home
                   administrator at different facilities within the Phoebe Ministries
                   organization since 1989.

CONTACT            Kenneth V. Daniel
INFORMATION:       Executive Director
                   Phoebe Housing/Retirement Services
                   Phoebe Ministries
                   1925 Turner Street
                   Allentown, PA 18104
                   (610) 794-5136
                   (610) 794-5451 (fax)
                   Web Site:

OFFICERS:          Rev. Dr. R. Howard Paine            Chairman
                   John H. Body                        First Vice Chairman
                   Donald A. Seibert                   Second Vice Chairman
                   William H. Hacker                   Secretary
                   Robert Miller                       Treasurer

PURPOSE:               Turning Point of Lehigh Valley, Inc. works to eliminate domestic
                       violence, increase awareness of the problem, and provide shelter
                       and services to victims of domestic violence.

                       Turning Point of Lehigh Valley, Inc. was started by volunteers in
ORIGIN:                1975 and was incorporated in 1978.

HOW IT WORKS:          Turning Point provides free, confidential services to domestic-
                       violence victims. More than 80 percent of its clients are low-

                       Its programs include:

                       •   Emergency Shelter: Turning Point operates shelters for
                           women and children in Lehigh and Northampton counties.
                           Women and their children may stay in the shelters for up to 30
                           days in a six-month period.

                       •   Transitional Housing : Turning Point provides 17 apartments
                           for women and children. A counselor and children’s advocate
                           work with the families on issues such as employment,
                           parenting, and budgeting.
                       •   Counseling : Turning Point offers individual and group
                           counseling to women and children in the Lehigh Valley who
                           have been victims of domestic violence.

                       •   Court Advocacy: Trained advocates support women as they
                           file for protection orders and accompany them to criminal

                       •   Medical Advocacy: A medical systems’ advocate works with
                           local hospitals to provide training on how to identify domestic-
                           violence victims and how to help them.

                       •   Community Education: Training is provided to professionals
                           in law enforcement and court agencies, businesses, and other
                           sectors on the dynamics of domestic violence.

                       •   School Programs : A program on healthy relationships is
                           presented to middle-school, high-school, and college students.

                       •   24-Hour Hotline : Trained counselors provide crisis counseling
                           and inform callers about available services.

SERVICE AREA:          Turning Point serves Lehigh and Northampton counties.
TRACK RECORD:         The agency has served thousands of domestic-violence victims in
                      the Lehigh Valley during the past 26 years.

FUTURE PLANS:         The agency will continue to provide comprehensive services to
                      domestic-violence victims.

WHAT ARE THE CREDIT   Low-income women who are trying to become self-sufficient often
NEEDS IN YOUR         need small personal loans.

BUDGET FY 2000:       $1.8 million

FUNDING SOURCES:      Turning Point’s funding sources include the Pennsylvania Coalition
                      Against Domestic Violence, Pennsylvania Commission on Crime
                      and Delinquency, United Way, private grants, and foundations.

STAFF:                Turning Point has 38 full-time and 12 part-time staff.

CONTACT PERSON’S      Victoria A. Coyle was a local attorney for 10 years before
BACKGROUND:           becoming executive director of Turning Point in November 1999.
                      She began her association with Turning Point as a volunteer and
                      represented victims in court on a pro-bono basis.

CONTACT               Victoria A. Coyle
INFORMATION:          Executive Director
                      Turning Point of Lehigh Valley, Inc.
                      P.O. Box 5355
                      Bethlehem, PA 18015
                      (610) 317-9431
                      (610) 867-3547 (fax)
                      Web Site: none

OFFICERS:             Kevin E. Dolan                     President
                      Laura Azzalina                     Vice President
                      Christopher Basile                 Treasurer
                      Cindy Feinberg                     Secretary

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