ࡱ>  @B789:;<=>?  bjbjR|R| l00\!NNd0 &l*L Wp55555VVVVVVV$X2[NV} v@V55GVƋƋƋ5R5VƋVƋƋ _A"KV5m/{ƋWH{VV0WI< \Ƌ\pKV\KV0ƋVVƋW\N n:  1 HBCU CAPITAL FINANCING ADVISORY BOARD MEETING 2 3 XAVIER UNIVERSITY OF NEW ORLEANS 4 THE CONVOCATION ANNEX 7800 WASHINGTON AVENUE NEW ORLEANS, LOUISIANA 70125 8MAY18,20159101112131415161718192021222324REPORTED BY: 25 LEAH J. GLASS, CCR, CSR.  DR. FRANCIS: Let me welcome you, welcome to Xavier, I'm glad you found where this is located, it's across the canal, that's the best way to describe it, that famous canal, the one that brings the water out of New Orleans because we sit in a basin and when Katrina hit it overflowed and then the levees broke and therefore the water table being pushed out, when the levees broke and New Orleans was lower than the lake so the lake water visited us and we had five, six feet of water everywhere on this campus. And fortunately, I say to you, we were able to come back in four and a half months. We started our first semester as our second semester because the City was closed for a whole semester, and I call it a little miracle because nobody believed we could do that even President Clinton who made a tour, walked the campus and said to me, he said "Mr. President, when are you coming back"? I started the first semester where the second semester would have been January 17th. He said "It will never be". I said "Mr. President, I don't know if you are a betting man but I'll put a few dollars on it". He said "No, I don't think I want to bet against you". And Alexis who was a Xavier graduate that  really is my president before I met you so I couldn't bet on it either. But we had lost a great number of students and faculty and the rest. As it turns out, 85 percent of the numbers who left in August came back. Now of course that would have been the seniors but the unfortunate thing was that on August 17th when we registered we had the largest enrollment in our history and the largest freshman class so that the next opening year which was then August of '06 we had the graduation for the class that came in which is again fortunate for those, every class graduated on time. We went from January to August and we had a famous guest speaker, name was Barack Obama, and he hadn't announced for president yet. And he gave an amazing speech, and then we started class for the next year. And of the thousand that we had in the freshman class before that loss we had only 450 freshmen, and that's where we lost the numbers. And so we have been working our way back and we're getting close but we're not there yet. And I hope if you have any time you can visit around the campus. We have two commencements, they are both small, in our convocation center but we tried to get as many high schools and since we are located right in the City it's easier for the family to come here as  in going out. So Sophie B. Wright and De LaSalle will be here today. And then I think two or three at the end of this week, but they are not going to disturb us. I found this place, it is quiet and we are out of school now until the summer starts. The worst part there is no food so we have brought the food in so there will be some food at lunch time. We didn't think that the sweet rolls, Cheryl, was going to hold y'all so we have food coming in but it's real quiet right now. But the one place I hope you get a chance to see is if you visit the chapel, we just built the chapel, it's been open about a year and a half now and it was designed by Cesar Pelli and Cesar Pelli as you know designed Reagan Airport and he is one of the top three in the world and had never built a chapel. And he sent me two letters saying that he was so grateful that I permitted him to build the chapel, so he really had an epiphany and this is his building. He didn't hand it to young folks to do, they are doing things all over the world and we couldn't visit unless he was here. And I say this to you for you to see this chapel. Its beauty is in its simplicity, and if you do get a chance to visit it I want you to look at the Risen Christ very closely, he's going to look like most  of us around the table. I think you would enjoy seeing it because it sits in the center. But I don't want to go too much further but I wanted to give you a picture of Xavier, we are still working hard. If we had some of the money that Tulane has we could have a thousand freshmen, they are at about 48,000 and we are still under 20, so you know that story very well, how difficult it is. I asked Mr. Rudley about Texas Southern and your enrollment is holding real well in terms of your level and you have recovered apparently well I gather at this point. I just told him he just stole a faculty member which is now the dean of his pharmacy school so I'm going to go to Texas to get my piece of the pie, but I did remind him that the first dean of Texas Southern was a Xavier graduate way back in the '50s. We're happy to be able to supply the support for good schools. And the last thing I'll say some of you know that my provost is going to California to run the California State System, 23 colleges, and I think they are going to be surprised when he walks in that office and they see who he is and he takes no prisoners, right Ralph? He takes no prisoners, and he's going to bring an HBCU approach to the California State System believe me.  Let me follow the schedule now and do the right thing. Don, we should take a roll call. MR. WATSON: Lezli Baskerville? MS. BASKERVILLE: Present. MR. WATSON: George Cooper. Norman Francis? DR. FRANCIS: Here. MR. WATSON: David Hall. Jimmy Jenkins. Cheryl Smith for Michael Lomax. MS. SMITH: Present. MR. WATSON: Adena Williams Loston. MS. LOSTON: Present. MR. WATSON: John Rudley. MR. RUDLEY: Here.  MR. WATSON: Edith Bartley for Johnny Taylor. MS. TAYLOR: Here. MR. WATSON: Henry Tisdale. MR. TISDALE: Here. MR. WATSON: We have a quorum, Mr. Chairman. DR. FRANCIS: I'm glad, this meeting is now open. Since I have done a welcome I'll call on Dr. Minor who is our Deputy Assistant Secretary of Education; welcome. DR. MINOR: Thank you Dr. Francis for being such a gracious host. We are very pleased that we were able to host this meeting here, typically these happen in Washington D.C. But given this season we thought it important to have this meeting here, so thank you so much. And I want to take a personal point of privilege and say thank you personally as somebody who may be in the next generation of individuals who are dedicating their lives and careers to education I just  personally want to say thank you for being such an outstanding example of longevity and excellence for the years that you have served as president. It means a lot to people who are coming behind you so I really appreciate that. I have had a chance to experience New Orleans for the last 24 hours, the first college baseball game I have seen this season, the SWAC Baseball Tournament happened here in New Orleans down at the stadium where -- DR. FRANCIS: Zephyr Field? DR. MINOR: That is right. For those of you who don't know I played baseball at Jackson State which was in the tournament. And so the only chance that I would have had to see Jackson State play is if they made it to the Championship game on Sunday. That didn't happen. Unfortunately they lost Saturday to Southern University six to five. So my consolation prize was watching Texas Southern play yesterday and Texas Southern was victorious 10 to 0 in the Championship game so congratulations President Rudley. They took some hardware back to Texas with them yesterday. So I'm happy to be here, I won't belabor my  comments. I want to say welcome on behalf of my colleagues who are back in Washington D.C. Some of them are around the table. I want to make just a couple of quick comments, no doubt about it the Cap Finance Program is an important part of the department's portfolio in terms of the support to HBCU, but I think it's important to state that given the relationship the department has had with the HBCU community I do want to share with you that there is a -- HBCU is our priority for the department. And I'm willing to take that issue up publicly, privately, in the corner that I know to be a fact. But the question is how do we become better partners and that's the question. And that is something that we have had a lot of conversations about short of an additional two hundred million dollars here or there, are there things we could be working on together? And I think that is the question that we're going to seek answers to as we go forth. Certainly the CAP Finance Program is a big part of that, certainly Title 3 and other programs, but I want to call your attention to a whole host of discretionary or competitive grant programs that are also offered by the department that we want to see greater participation among HBCUs in those programs. So we're happy to be here today, certainly  want to take up in the spirit of this conversation how the department can be a better partner with the HBCU community and to begin conversations about the next big thing in this sector of institutions. So thank you all for being here. Thank you, Dr. Francis for hosting this and look forward to the conversation. DR. FRANCIS: Appreciate it, and I appreciate the fact that you are where you are and in my long years I was hoping that we would start to have young people like you, it's a critical time, and we can't spend the time in this meeting but there are about four major issues that are going to be put on the table as you well know and they are going to be very critical to the future of HBCU. So maybe some of the folks will get a chance to visit with you. And I'm talking about, not discussing I'm talking about the ratings, the community college monies, just a host of things that we are all concerned about because. There are just so many, Dr. Minor, unintended consequences that we get, catch whether they are thrown in right field or left field and we're playing first base. Somehow it gets thrown back to us you know. And I'm saying that because the decisions that develop these policies don't think about those unintended consequences. Now we know it's coming right  at us but it is unintended. So I think we would certainly like to use whatever time we have after this meeting to discuss those things. This particular CAP Financing Program I have watched it grow and I made notes, you are going to cover that Don, but the other night I looked at what you had on your plate, incidentally he's been a one-arm paper hanger. Anybody around here, now Cheryl knows because she hears this from me and so does Edith. Young people don't know what a one-armed paper hanger is. But that's like a bladeless knife without a handle, that's another heavy one. But he's been working his tail off. And I know we haven't had a chance to meet but if you look at the achievements that have taken place it's because he's been out there working. Some people meet all the time and they don't get a chance to do what they are supposed to do after they have meetings, but he's being doing the meetings. And I want to say this before we start Don, you have done an excellent job and I'm glad we have a new assistant to hold the tack hammer so you can get that on the wall. I saw 26 privates an 11 publics, 37 in your cache now and I included in there I think the six that are in the queue, and they look like they are all eligible. That's an amazing number. I'm very  pleased about that and I want to give you credit for it. Let's get the approval of the minutes of the 24th then we'll get into Don's report. MR. WATSON: Thank you Mr. Chairman, I do want to recognize at the table Dr. Leonard Haynes and Malik Muhammad who, as you mentioned, is a new addition to the Capital Finance staff. I want -- also in the audience we have Dr. David Beck as well as Mr. William Fisher of the Designated Bonding Authority. With that said I have sent the board the full minutes as well as a synopsis of the minutes, and with that may we have a motion to approve the minutes as written for the September 24th, 2012 meeting? MS. LOSTON: So moved. DR. FRANCIS: Any second? MR. WATSON: Is there a question? MS. BARTLEY: There are some typos there. MR. TISDALE: Second.  MS. BASKERVILLE: Because we have a substitute I would like to have a minute at some point to review them because I found a number of things that should probably be adjusted, and I would love to take a look of those at some point so if we can hold the final vote in abeyance and when we have a restroom break we can take a quick look at them. DR. FRANCIS: If you vote for this then you'll be allowed to ask that we reopen it. You know Roberts Rules of Order. If you vote against this then we'll have to pray to let you get it back in. So if you vote for this which is going to be almost 90 percent of what's here but then before we leave and after you have had a chance to review it at the break you can come back and say you want to call a recall of the minutes to make your amendments. MS. BASKERVILLE: If they are technical amendments once we approve I can make technical and conforming amendments without reopening because it will be just to align with that which is already here. MR. WATSON: The synopsis is just summary of the minutes  that does not take the place of the official minutes which is done by the stenographer. Everything in the full minutes were word for word. MS. BASKERVILLE: I didn't get through the whole 487 pages of the full minutes and I found this to be helpful. Thank you. DR. FRANCIS: Those who want to have them, they are available. MR. WATSON: I sent them to you all. DR. FRANCIS: Alright, we have a motion to second and an understanding that Leslie will be able to reopen anything she wants if she votes for this. All those in favor signify by saying aye. (ALL SAY AYE). DR. FRANCIS: Opposed? Motion is carried. Okay, Director's Report, Donald you want to start with our Finance, Capital Financing Program? MR. WATSON: Yes. I'm happy to present this report to you  for this May 18, 2015 meeting. Just an update on Barber Scotia, as you all know Barber Scotia is the only default that we have in the program. And this has been on the agenda for a while. Part of the issue is that, as you all know, we collateralized an entire campus which was the policy prior to 2007. And college campuses are a unique asset as such it's difficult to sell that asset, so what we have actually provided was a marketing agreement to sell the marketable property and that particular freedom would allow Barber Scotia to stay open, they pay the insurance and security for the property which saves the other institutions money from not having to go into their escrows. Now they are only paying the bond payment rather than paying for insurance and other liabilities that will hold if we actually foreclose on the property today. I have not, I have to admit to the board I have not been to Barber Scotia's property 18 months along, but as you see here I am committed to go down and at least review the collateral to make sure it is in some good repair prior to October 1st. So I'm looking to sort of have that on my travel agenda to get down to look at the collateral and see if there's any adjustment that we need to make before that or do we need to just go for foreclosure on the property.  DR. FRANCIS: Don, I believe right before the Obama Administration took in we got a call as to whether or not some action should be taken, and I think what we said was no, let it run its normal course. Have there been any folks interested in buying the property? MR. WATSON: Generally what we hear from individuals, there may be individuals who may say they want to buy the property but no real contract or anything else that are presented. We have had individuals who say that they have a team of people who are willing to buy it but as you all know a lot of around the table more than five hundred dollars bucks you need something in writing rather than just word of mouth. So there have been groups that say they want to purchase the property but no one has come forward to purchase it. In addition with Barber Scotia in and of itself as you all know there are some buildings that are held to a higher standard of education but there are some buildings around it which the market sale agreement would allow us to, if they start to sell other pieces around the property which may be enough to settle the debt which the outstanding balance for the principal and the bond is about 5.3 million, if you  take into consideration the amount of escrow that'll have been paid by institutions, that's about another three million dollars. DR. FRANCIS: And the, this is an issue I want to talk about later on, the other institutions in their trust, the money in that trust, have been paying the bond? MR. WATSON: Yes, the money that's in the pooled escrow is used to pay the Barber Scotia debt service which every six months is about 250 thousand dollars. The way that actually works though what we're starting to see when it comes to the program what is their actual contribution to the Barber Scotia debt service. The more loans we make the smaller your portion becomes. If, for example, the institutions who borrowed loans in 2012, in 2002 their initial contribution was roughly 12,500 dollars, they came to borrow another loan later on and realized their contribution had dropped to 3,500 dollars a year. And as we make more loans again their contribution starts to decrease overtime because it is a weighted average. MS. SMITH: I just had a question on Barber Scotia, so are there sufficient monies in the escrow pool now to  meet all of -- say nothing, say no borrower comes forward, are there sufficient monies in the escrow now to meet all of the bond payments? MR. WATSON: There's sufficient money to pay Barber Scotia five times over. MS. SMITH: How much is in the escrow? MR. WATSON: I think about 43 million, 45 million. MR. TISDALE: Presently we have 45 million dollars in the escrow, so assuming that the portfolio continues to perform as tasked and we only have this one default in the program we'll be able to more than meet the cap of paying off that half million dollar payment going forward. DR. FRANCIS: So the larger the pool -- the larger the number of borrowers the larger the pool, is that basically it? MR. WATSON: Exactly. DR. FRANCIS: Now, we're going to come to this, this  committee has, in all the meetings that I have chaired, has asked the government each time to eliminate the pool concept and you understand what that is. In Louisiana we called it insolido, French, so each one of us is responsible if you are in the tranche for the payment of any of the others. The fortunate thing about this, it is unfortunate when anybody defaults, but in this big program there's been only one default and that has been a very great compliment. We don't want anybody to default, but that has been helpful and it has been helpful as you know as we follow that in terms of monies from the Congress. I think our largest corporation that had funding was in 2012 or '11, somewhere in that vicinity, but it is because there had been no more defaults and there had been so many colleges looking to borrow. So we keep that going fine. I'm just hoping that if there is a sale Barber Scotia may be able to get a few dollars. That means that somebody has got to put down the whole shebang and then what ever is left they get. MR. WATSON: Exactly. MR. TISDALE: Norm, I know for a number of years this discussion and the request to change this has been on  the table, has there been any movement or what has been the discussion? MR. WATSON: That's also later in the report when I go to the department responses to your recommendations from 6 2012. MR. TISDALE: I can wait. DR. FRANCIS: It's been on the table. MS. LOSTON: I got a question in reverse of that. Are there any institutions that are on your watch list or concern or that may be in financial trouble or kind of you are watching them? I know you said Barber Scotia is the only institution, but I ask the question are there any others on your watch list or concern? MR. WATSON: There are schools on our watch list and for the most part what I do not like to do as a lender the Department of Education people institution look at us very differently than they look at a bank. Because we're Department of Education and there are members of Congress and other people and say hey, I can't pay then they expect for us to act very different whereas if you  are going to a bank you wouldn't go to the chairman of the bank to get a reprieve. And that's the piece I'm trying to balance here. But those institutions in that vein know they have a loan agreement, this is unlike a grant or anything else, you have to pay. So there are individuals on the watch list but we also have what I call, we have what we call habitual late payers, some institutions we know they will pay, they may not pay in January but they'll pay in February, so in February they'll pay January, February and March. You have some institutions who will pay, instead of paying the first of every month they will pay on the 11th of every month. So they'll constantly be on the list of late borrowers because that's just who they are. That's no different, for those who know, we have student loan borrowers who do the same thing, pay your loans four times a, month on the 7th if you don't pay on the 7th, that borrower says okay pays on the 14th I can change the date to the 14th, if you change it to the 14th they are going to pay on the 21st. If you change it to the 21st, so people are just habitual late payers so we do have some of those. Generally what happens also what we see is that the CFO's or presidents change at an institution  and that institution drops behind on their bond payment. For some reason there's a big payment sitting there but some how they actually don't see that sort of slipping off. Generally what I used to do at one point I would go to the institutions when there's a change in leadership, I would go and sit down and have a conversation with them about, not just the bond payment and the project, but also give them an understanding of the loan agreement and the requirements of the loan agreement. DR. FRANCIS: I sit on a bank board and that same thing happens when people borrow from the bank. What we try to do -- there are some families that work and they don't get the payment in that employment at the time to cover all the expenses so they are always a day or two late. And what we have tried to do is to move the payment at a time that would fit their employment status. They don't have enough deep pockets to cover it all. Now that's not going to work for everybody but for maybe one or two people if we have that authority to do, to change the due date for that particular month. And that allows them, if they are constantly three or four days behind, change the due date, we  might can avoid that. MR. WATSON: We try to make loans in which the payments are due in the spring or fall around the time when financial aid dollars are coming in. Because we do understand that, but also these are actual monthly deposits so that institutions won't get too far behind because they can't catch up. You have to think institutions paying a million dollars every six months, all institutions can't do that, but it's much easier for them to pay month by month and get them in the habit of paying month by month. DR. FRANCIS: Any other questions? There's an old saying, these car dealerships sell you a car, teachers, in May, no money down and there's no payment until the first of the year. That's the quickest summer in the world. It goes very quickly and before you know it you mean to tell me it's time to pay my loan? Yes, you it is. So watch those delayed payments. You want to go on the agenda we talk about setting up dates for future board meetings? MR. WATSON: I'm going to go through the rest of the report first. A 123 Internal Risk Assessment, that's  going to be superfluous. And what that actually does is look at all the programs, CAP Finance at some point, as Dr. Francis mentioned earlier, it popped on the radar at one time for 120 million, outstanding balance over 1.6 billion. Now the internal risk of that we just want to make sure that our internal controls are in place. One of the major problems that we had when they first looked at us in 2011 was that I was the only person. Of course the running joke was if I got hit by a car what would happen to CAP Finance? So that risk has been mitigated with Muhammad joining CAP Finance. The other piece we're going through testing now to make sure all our documents are in place and I think that's Thursday so they'll come in and do a test, they'll look at a group of our documents to make sure all of our controls, our processes are in place and we're following them as they are outlined in the operating procedure. As CAP Finance grows it becomes more of an item to look at. DR. FRANCIS: One billion? MR. WATSON: 1.6. Also in November every fall we have to put together what we call a Federal Advisory Committee Act Report. That report is simply an update on the  board's activities, board members, changes of board members, things like that, it's a standard Federal document. Just so the public can know who's on the board, what the board is doing, what the board has recommended over time, and how the government is reacting to the board's recommendations. So the recommendations that you made in September 2012, that actually goes in there and it talks about how many of those recommendations have been implemented by the Federal Government. I want to -- I won't read all the details of all the activity of the program from 2010 to now but as you said -- MRS. BASKERVILLE: Before we go to Program Activities in the new charter, what is the relationship of the new charter to the existing Federal law and regulations, and was it intended to embrace in totality that which is in the regs? MR. WATSON: No. The charter is simply a document that allows us to operate as a unit. What we try -- what the new charter does is simply, it talks about the purpose, it's sort of an outline, it's basically putting on paper I guess in plain language what you  will actually see in the statute at, in Section 343. It talks about the board composition, what the board does, if you have subcommittees, things like that, and it has to be done every two years, it's a BAS requirement. That has to be signed by a secretary every two years. In order to operate as a board or to have meetings we have to have a new charter in place and that charter is done every two years. MS. BASKERVILLE: So one section of the regs that many of us spent a lot of time on that I see is missing and I think would be helpful to include is the Designated Bonding Authority, it references it but we particularly indicated that the Designated Bonding Authority in the selection priority should be given to small disadvantaged minority business, and then we specified that it should rotate or be put out to bid every couple of years. MR. WATSON: Right. This charter has nothing to do with that. This charter is only for operation of the board, not -- the Designated Bonding Authority operates outside of this board. This charter is only in place to say this board can have meetings, only that Section 343, that's the only part of the statute that this  charter references, it doesn't reference any other parts of the statute or this program. MS. BASKERVILLE: So that was clear, except DBA is referenced throughout. MR. WATSON: It's only referenced because this board is supposed to provide advice. MS. BASKERVILLE: So would it be helpful in a footnote to note that or not? MR. WATSON: No, because if you do that then that, it's almost like if you are not sitting at this table then you are not referencing the charter. So like the secretary, you are not talking about going in details about the secretary's interaction or Dr. Minor's interaction with this board, because it's not referencing Section 343. We're not talking about the insurance piece because again it's not in regard to the board composition or work of the board. The board can make recommendations on those things, but the charter is simply the operating document for this board and it has to be in place for us to operate. MS. BASKERVILLE:  The board's oversight, it does have responsibility for making sure or advising the secretary on being in compliance with the appointment and the times for putting out to bid the Designated Bonding Authority and so forth? MR. WATSON: Yes. But our general counsel has also said that all those statutes talk about trying to reference, and if I remember correctly, I don't have the statute in front of me, but if I remember correctly it actually talks about having minority groups and not just for the DBA but for the construction contracts. But our general counsel has also said that we cannot solely have set asides for any particular group. And so that would be a conflict of laws there, but our general counsel has stated that we can't say, okay, the DBA can only be African American companies or minority companies. Anyone who applies to the DBA has to have a fair shake otherwise we wouldn't have the contract. MS. BASKERVILLE: It would seem to me that that would be an important discussion for your general counsel to have with this body and those of us who did the research and who are versed in the law, is that something that we might do sometime in the near future?  MR. WATSON: You can. But again, whatever the issue is you can sort of provide the issue and give your recommendation, whatever your recommendations are those recommendations don't just sit with this body here, general counsel reviews, budget office reviews, there's several other places in the Department of Education that have input. DR. MINOR: Just so I'm clear, help me again understand what you think the advantage of having that language included in the charter goes over and beyond the existing regulations? MS. BASKERVILLE: A critical component of what goes on and the effectiveness of the program is the Designated Bonding Authority and we specified in the language relating to the legislation and the regs that the Designated Bonding Authority should concern or take priority, I don't have it -- I do have it on my laptop, but I'm not set up to bring it up, I can bring it up during the break, small and disadvantaged businesses, female owned businesses and so forth. It also specifies that every couple of years the Designated Bonding Authority has to go out to bid. As an advisory board if we're not in  compliance with that or if we feel as though we're not it would seem to me that we would have a discussion about it perhaps here and then certainly with counsel or secretary or whoever else would be helpful. MR. WATSON: And just to clarify, the language actually says that the Designated Bonding Authority has to be viewed every three years. And actually I think they review it every year and on the third year they have that external auditor that reviews them so there won't be any bias and that has been done. The other people that, which you have to realize, that the Designated Bonding Authority the size of the company really matters because you can't have an individual who may be someone at this table could operate the Designated Bonding Authority but you cannot -- the Bonding Authority is actually issuing bonds and you can't issue, you have to think you're limited programs in some way. Right now we're at 1.6 billion, so if that person transferred 1.6 billion of debt, not revenue, just debt and if we expect the program to grow at some other time then you have to think I have grown the program for over 120 percent over the last eight years. If we expect that same growth over the next eight years, then that person needs to have at least  close to four billions of debt and be able to sustain that on their books. No revenue, because again the revenue goes back to treasury to pay the bonds off. So they are issuing debt on their books. So who can actually, what small entity can hold four billion dollars on their books? So it's sort of a catch 22 there. Maybe that needs to be an amendment to the statute, but again I'm not sure that there are many small companies that can hold four billion dollars. DR. MINOR: But the point here is that we are designating or distinguishing between the charter and the actual regulation, the statute. And what I think we're discovering here is that what is referenced here does not negate or minimize what is existing in the statute. This is sort of an operational document for these particular meetings and for the operation of the board. So what I was suggesting is that we take this issue up and, Lezli, are you insistent that the language be changed, or suggesting changes in the charter? MS. BASKERVILLE: No, at this point I was asking and I was asking because it says the purpose and function and because the DBA is, in many regards plays a central  role in the success of this that would be something that would come under the function in terms of advice. And I was suggesting it but I'm not prepared to suggest any specific language, I was just wondering if it had been intentionally omitted. And then the other question, was this submitted to us for review and comment prior to the secretary signing off or it wasn't? MR. WATSON: No, we have no review, again this document is only reviewed, the format, everything else in that document is an internal government document and talks about how the board operates. Unless you are changing the board composition again in Section 343 then nothing in the charter will change. Put the DBA stuff in there is almost like putting the escrow piece in there, so we're not putting the recommendation there. You can continue to make recommendations outside of what the charter is, the charter is simply outlining what Section 343 is and makes a clarification on it. MS. BASKERVILLE: I respect that, and I appreciate that, but I would like the opportunity to discuss the question with the Department's counsel relative to taking affirmative steps to seek out and include qualifying minority owned  companies, African American owned companies, small disadvantaged female. I think that would be an important discussion to have. DR. FRANCIS: The question you haven't asked is who makes the decision to choose DBA? MS. BASKERVILLE: Great question. DR. FRANCIS: So it apparently is in the secretary's province I assume but then that has to come from the Legislative act that created this, right? MR. WATSON: You have to remember the Designated Bonding Authority is a contract for the Federal government, and just like you can't have a body, if you think about the DBA, if you think about this table, 50 percent, almost more than 50 percent of the individuals sitting at this table if they had the opportunity to pick a Designated Bonding Authority there could be a conflict of interest, right? They have people who want a loan from the program and people that have loans from the program. But this DBA is chosen like any other government contractor is chosen. RFP goes on the Federal register for comments, people send in  proposals, and we have small business. We ask for information to apply, they did not. But again I want us to realize if we think about, and it's not just issuing four billion, it's having four billion dollars on your books being sustainable, that's going to be an important piece. DR. FRANCIS: I'm trying to follow yours because this is an issue year. The DBA is like a bank, we're going to go to the bank and fund this operation. And so the question gets to be that the secretary has to choose the bank, the bank has to meet certain eligibility and so forth. I think the issue here is if we were advising the secretary, we're not making the decision but we're saying to the secretary since you make that and you are going to that, do we have any role to advise that you do these things but it's still your decision to make? I recognize that's the basis of the question. Now the charter doesn't cover that apparently because the charter is a separate document over here and we're talking about the operation. But that charter also governs the operations in a sense and the charter I guess is a part of the secretary's responsibility. But the authority has to come from a legislative body.  MR. WATSON: Just let me clarify for each member present who sits on this board the question that is asked all the time do you have any operational input at all for this on anything related to Capital Finance? And the answer is no, you don't. What you have is a higher policy position which does not affect one institution but would affect all institutions. If you start to get into the operational piece of how this works this will have to change the composition of the board, it would have to change. You could not have presidents who are seeking loans from Capital Finance or have loans from Cap loans which those are the reasons they are coming. MS. BASKERVILLE: That was definitely not my intention that we supplant our judgment for the secretary's and I understand the reasons for that. But in the advisory capacity because as with higher level policies whether or not you consider if we are here to do business with historical black colleges and universities whether or not you consider or take affirmative steps to include African American small disadvantaged female businesses is a policy concern because it's in the policy that suggests that steps should be taken. But I'm truly not trying to go off in the wrong direction here. I note  my concerns for the record and then I would like to follow up with the appropriate person at the appropriate time. It sounds like the question becomes, at some point the question, you know the value, how can you get the most value out of this advisory board? If the secretary, whether or not he has the authority, of course he does, but if he's not seeking the input from the advisory board before he revises the charter or if counsel tells him that something is inconsistent with that which is reflected in previous minutes of this board, that he then doesn't come back and say this is what my counsel is saying, can you get your information and let's see -- something, the question is does that diminish the value of this very important body? DR. MINOR: So Lezli, let me volunteer to take this issue up with OGC and the question we'll work on defining, if that's okay, but what I will be asking what's the appropriate, where the line is in terms of the kind of advice that comes from this board relative to selecting who that entity is. I certainly understand Don's mention of where the conflicts are sort of the operational aspect of the board, and we all probably can understand where the conflicts may lie. MS. BASKERVILLE:  Not in what I'm asking because you also understand that I'm not asking that we supplant the judgment. DR. MINOR: Oh, absolutely I will take up that issue and I will follow up appropriately. I can consult with general counsel and see what their guidance is on this particular issue. MR. RUDLEY: I assume in the contract that goes out for the Federal government guidelines it seems to me that you already have those set for all contracts from the secretary's standpoint covering this transaction as well that would provide that, you don't have that all already? MR. WATSON: Yes, this contract is open to everyone. Part of the problem is you have one is a nitch, two, the other thing that you have going on here is that not everyone is -- the program doesn't make such a large amount of money that a lot of people would be interested in it. Two, the requirements of it it makes it incumbent to actually not receive the revenue, just place the debt on your books that is an oddity in and  of itself, but it's open to everyone, minorities apply but again it has requirements. If you are a small minority you can't afford to place -- when it's 120 million dollars it was open to a much greater number of people but as the program grows, you know, it becomes a much smaller population for which minorities and smaller banks can sort of hold. Currently DBA is a minority African American investment bank. But those are the things that we have to consider when we think about changing this because also when we think about changing things we also start to open up the question should that even be there? Should there even be any, because these are minor institutions, should there even be anything in there that says there should be any kind of suggested preference to a minority group. Other may say you shouldn't have that all because you are not giving us a fair shake. Y'all may know better than I do, y'all remember when the Defense Department had the same issue because there were set asides for minorities. Now what I do not want to do is have those kind of issues come into this program which is for all intents and purposes is a jewel. MR. RUDLEY: I'm late in the game, I'm new here, but I thought that was covered in terms of the government's  association with vendors and how they go about contracting. I don't think we would have an issue, you are raising the issue seems like there's a problem, but it didn't seem like there was a problem to me because of the way that the government goes about its course of trying to find vendors. They have to find qualified vendors and the vendors have to have the capacity. I was assuming that that was the case here. I was just trying to find out where you are coming from. MS. BASKERVILLE: Yes, in the legislative history we had a long discussion about the uniqueness of this operation relative to financing HBCUs, the president, the then members that participated in the discussion and others felt that it would be important to make sure that affirmative steps were taken to seek out and include minorities because many people believe it's good business and it strengthens the community if HBCUs do business with qualified vendors who are African American small disadvantaged who might not otherwise get it. I should have said at the outset this is not a complaint, we have an outstanding Designated Bonding Authority, this is in no way suggestive I'm not satisfied, I'm looking to go in another direction. But  as we see things or as I saw a charter and it talks about functions and something that I deem to be a key function of the board was not included I raised the question. And Mr. Watson, I certainly respect your observation and agree that timing and climate is everything. And I was not suggesting that we take the matter up with Congress, but if the general counsel of the Department of Ed has made a decision that that is not legal or perhaps of dubious legality then we need to have a discussion about that. MR. RUDLEY: I'm glad we are not in trouble and we're doing pretty good. I would defer to Don Watson because he is an expert, he's covering bases for us all the time. I appreciate what you are saying, I have learned from this episode. I have also learned that we already have a minority firm that is a DBA so thank you for that. MS. BASKERVILLE: And that they are doing an outstanding job. DR. FRANCIS: You know the interesting thing, bad example in the Defense Department, the Defense Department took a ruling of a judge with respect to a Hispanic female  and then decided to apply it to HBCU, and then we had to go to the Congress and say we're going to clear this up and they did. It's again one of those unintended circumstances. And in this case it wasn't so much the Secretary of Defense or what but it may have been somebody in the bowels of the Secretary of Defense who decided to take a ruling that applied over here and apply it over there. And we had to go to the Congress and say hey, hey. All I'm saying is you are going to have to watch every part of what policies and regs they make. Because it's sensitive for me because we had one of the top proposals and it was kicked out on that and never got back on the table. So I think if you look into it, you know, for those -- how many lawyers in this room? MS. BASKERVILLE: The whole room. DR. FRANCIS: So we're all lawyers and we all know that when you start reading the fine print and we all come out on a different side depending on what side you have been paid for. And you make your case and all I'm saying is that part of the HBCU that we have we have to keep our -- let me just stop. Because I think this is  an important point of history. I sat across the table from the elder George Bush and I don't know who the agency was, had written an amicus brief to say take HBCU out of this, remember that? And we went to the President of the United States, James Keep, who was the gate keeper for us to get to the President, and the President sent word and he said take it out; it wasn't taken out. And we sat across the table, I'm going to write a book I can tell I know, from the President and we said "Mr. President, we thought you had cleared that up". And he's sitting there and he said "Yes, I did, I wrote a letter". And he said "Would you get the letter? Bring the letter here". And he looked at the letter. Well, the letter was kind of. And then he said "I want you to go and visit with the general counsel -- who was it? C. Gordon Gray. So we went to see the general counsel and he went to tell us a long story about this and that. And I'm very mild generally, but when he got through talking I said with friends like you, we don't need any enemies. Then we went to the Solicitor General, highest you can get, and the President sent us there because when we told him, he said go see the Solicitor  General. He walks in the office and says "What are you doing here"? We said "The president sent us". He said "What"? We said "Pick up the phone, you call the President". He called the President and the President said "Yes, I sent them to you". And he got red faced and then they finally took that out of that amicus brief. And what it said was that black colleges weren't important as a part of whatever that issue was. That's history, nobody told me this, I sat right there. So we went through all of this machination and again the key person still is the President of the United States. But you shouldn't have to go to the President. So my message to all of you is don't stop if you feel like you have a stand and we had that. I'm just thinking of all of that, and this Grayson, he was so demeaning and he had that -- I mean it was for those present in the amicus brief from the Government of the United States that said black colleges aren't important. I forget what the word was, demeaning. So what we're talking about is I think may very well be covered by the general Affirmative Action part. But if the general counsel is reading it in a different way I think it would be good for us to know. MS. BARTLEY: That would be interesting to know too what  the general counsel's position is on that because Johnny Taylor and I were on a call with the department months ago when the My Brother's Keeper was rolled out, the initiative. And we were told one day before it was rolled out that the White House decided not to include the word HBCU or black within the documents because they had been told by the general counsel that that could not -- that was illegal. And I though well, HBCU is a legal designation and we're seeing more and more across the Federal Government where language is coming out using MSI and lumping HBCU into MSI. And it's very important that more be done to preserve the designated title HBCU. DR. FRANCIS: 15 1965. MS. LOSTON: I guess I'll wonder out loud. Since, as my colleague from Texas says, we know that we have no problem here, and you have also said there's no problem and we certainly don't want to send a message that we're supplanting a decision that's already been made and when others look at it they may certainly see it through a different lens, is it that important to us to raise the issue? DR. FRANCIS:  Only if there may be a conflict in what is written in one document, there's an old saying about the charter and the bylaws or are your bylaws consistent with your charter and so forth. I think that's what Lezli is trying to get to. There may have been language that appeared to give a responsibility that is not necessary but the description here is that the charter is one thing and the operations is another and we know that. But there's got to be a consistency between your bylaws and your charter, because your charter does not have all the details of operation. But your charter does have a great deal of control about how you interpret the bylaws under that charter. I have learned that. I have been in court many a time, that's why when I retire I'm going to practice law. I got a PhD in practicing law after I sit in that courtroom and see how the litigators handle some of the things and how they write these briefs you know. Anyway I think we have got your commitment to do that Mr. Secretary, I think we should let you look at it and tell counsel we asked the question. MR. WATSON: Program Activities. I won't read the chart and all the details there, but as you can, as Dr.  Francis, the program has grown overtime. For 2015 we're projected to have four closing properties done, I have performed two closings already and we're geared toward closing four more if not all six. So we are moving to that direction. DR. FRANCIS: This is a lively program and it is very important to the institutions but by the same token we hope to make sure that we keep it pristine so that Congress doesn't have an excuse. Right now they don't, this is a very, the best I can understand, they put money in there when they weren't putting it anywhere else, it's holding right now. Maybe I should ask the question it may be holding now because the current monies that are available can handle what's out there. So we again in our advisory, if it starts to go in a way that there may not be enough money for the new groups of people coming in we might want to raise the issue and say we need some more money in the pot. We did this what? Three years ago. Got to keep checking on it. But right now with the credit with the Congress and the institutions it's something to be proud of. MS. SMITH: I just had a question about the program activity and I'm sorry if I'm not looking at the right  chart here. So I can understand, is it roughly one and a half, 1.6 billion in loans outstanding, so when you say ten active construction projects that's not all of the activity in the program? MR. WATSON: Those are actually loans that we have closed that we actually have. People are actually constructing things right now, those are building things. MR. MUHAMMAD: Those would be the more recent loans. MS. SMITH: But that's not the total of loans that are outstanding? MR. WATSON: No, those are just active construction projects. MS. SMITH: Just in terms of demand for the resources, and there's a difference between the authority of the Congress has given for annual loans we're at now about 304 million in annual authority, but the actual activity has ebbs and flows, right, depending on how you move the projects along? So my question is for I guess the current year and next year, are you seeing  sufficient additional demand in the pipeline? In other words, so you are going to close six or so loans in fiscal 2015, are there other requests that are in the pipeline and you haven't reviewed those yet or another way is there greater demand out there? MR. WATSON: No. With the loan capacity we have enough to handle whatever capacity we have at this point, and you all have done a great job of making sure we have that. What you are seeing in this is that when we start to look at an institution there may be, we may think these institutions are able to close but they may -- for state institutions, for example, something may come up where they can't get a piece of legislation at the time to do it this year so we have to move it to next year. For a private institution it may be something that has come up in an audit or something that we're reviewing as we're going through due diligence so we have to push them to another year. So different things come out at different points in time. Something may pop up that may put an institution on our radar and we say hey, we're going to put you on probation so at that point from an underwriting standpoint we have to wait until it clears up before we can make the loan. But the six loans that we think are going to  close and we are actively working with CFOs, presidents or chancellors to close these loans. The other institutions we have some bigger issues that we have to work with them and we work although they are not on this list they are institutions that we do work with continually to make sure of providing them assistance and other things to make sure we can get them to a point where we can close. MS. SMITH: So there are another five or ten, can you give us some order of magnitude? MR. WATSON: Maybe about four, five. Another piece of that you have to sort of realize when we're doing refunding, for example, these are very -- because interest rates are sensitive, interest rates are going up at this point, so institutions have to work on refinancing. But interest rate savings have sort of eroded so we are taking them off the table until the interest rates come to another table. So that's why it's also important if you'll recall when we asked for multi year appropriations time because multi year appropriations allow us to make loans instead of waiting for a budget to pass. Different things  happened that allowed us to move loans around. DR. FRANCIS: Your projection is that there may not be a point to worry about over the next say four years? MR. WATSON: Right. The other piece as long as we keep doing what we're doing now, you know the appropriations bill allows us to go above the 1.1 billion in the statute and allows us to make loans as they become available, and that gives us flexibility as well. So with that flexibility we are able to move across fiscal years and at points in time in which it doesn't matter if it's public or private institutions. MS. SMITH: But we have also advocated to grow the program, increase the loan subsidy, increase the statutory limits on the cumulative loans that can be issued, so we also need to understand that the demand is there. You know we don't want to go to the Congress and say grow the program and then turn around and find out we don't have sufficient demand. MR. WATSON: So and that's exactly what -- if you think about the 2015 dollars that's available for both fiscal years, think about the portfolio as it currently sits,  we need to take some of the best credit quality, it is a loan program unless we start to think about, unless we change the environment, every institution, every HBCU will not be able to get a Cap Finance loan because it depends on the credit quality, depends on enrollment, other things of that nature. You have some schools that are really small and to take out a 20 million dollar loan would not be a good underwriting piece because the enrollment is so small they can't support such a loan. DR. FRANCIS: What is our ceiling, 1.4? MS. SMITH: 1.1 in the Higher Education Act because it was not updated in the last reauthorization. MR. WATSON: Right, the statute had 1.1, the authorization bill sort of trumps that. DR. FRANCIS: They gave us the right to go over that at 1. what, in two years ago? MS. SMITH: For every year, the appropriations bill, that's why Don can continue to make loans every year. DR. FRANCIS:  We just have to watch it because I do believe that there will be more people coming in who will make the eligibility, and so we don't want to wait until the last minute to make sure that we get an authorization and appropriation, but at the same token we don't want to overstate the case and have them say gee whiz, you misled us. It's a bouncing ball but you got to watch it. MS. SMITH: Yes, and now while the Higher Education Act is being reauthorized this is our opportunity to update the statute and raise the cumulative loan limit. DR. FRANCIS: Exactly. I keep saying that, you know, not that I'm overly nervous about it, but the Higher Education Act is going to control what we do for the next five years. MS. SMITH: 5 to 10 years. DR. FRANCIS: So we have to watch and see what is not in it so we don't get blindsided and there's nothing like asking for things that we need that we can defend because once they close the vault it's hard to get it open again. I know the coalition is working very  closely on the Higher Education Act, and I think let's not sleep at the switch on this one. I don't know whether -- we had already rewritten the Higher Education Act before his department and his assistant sitting there saying look a here, the coalition has already written the Higher Education Act for whatever year it was. He said we haven't even started, and we said that's why we brought it to you would have a template. And remember the story if you are going to a luncheon to discuss things and you don't have an agenda you are going to be on the luncheon menu. MS. BASKERVILLE: Will we have an opportunity to discuss those things under the other administrative or programmatic changes discussion? MR. WATSON: Yeah, that's where I'm going to go through some of the things that have already been proposed that the board wants to discuss. DR. FRANCIS: Can we hold the setting of the future board meeting? Because it's 11:20 and we had a good discussion. Not that I want to necessarily delay the setting of the dates, but I think it would be great if  we would, with your guidance, start talking about an update on the board's No. 12 recommendation. MR. WATSON: As Dr. Francis mentioned earlier this board has been talking about eliminating the pool for a while. As we started to look through this, this is actually a great opportunity because higher education is being reauthorized, it is a great opportunity to be able to look at. But I sort of want us to look at not eliminating the pool because you have to remember that the pool is sort of a feed that allows institutions to borrow at the treasury rate so there needs to be something there in place. This pool is sort of that buffer for the secretary. Therefore I propose that there have to be options for institutions to choose so when they work with their financial advisor they have the option if they want to opt of the pool which means again you have to find some way if they are in default, you have to find some way to adjust or add a risk premium to that. That's the add on. So there's a possibility that you have two options; individual standing pool and that's saying I don't want to be part of the pool but give me the interest rate plus the risk premium. Either way, the risk premium of course once you get that back like any  other interest rate you have, if you look at any interest rate structure there's some risk premium attached to it, whether you default or not you are not getting that back. But the pooled escrow you do get that back if a portion of the escrow is not used for default and you come out of the program or we actually are able to sell the assets to recoup the losses. DR. FRANCIS: So what you are saying is that there might be an option for institutions that would like to exercise that option to get out of the pool but with getting out comes some requirements? MR. WATSON: Right. Early conversation I had about refunding debt, for example, if you add a risk premium to it that sort of takes away some of the interest savings that you had if you were borrowing at the straight treasury rate. So it may be good for some institutions, it may not be good for others. As I explained before, if you look at this as being your cost for the secretary's insurance some states have looked at them and say hey, we'll pay this insurance fee which we call it a pooled escrow and if they never get it back, then fine that's the cost that we pay for the secretary's insurance. Prior to I guess the last  four or five years institutions go out and purchase insurance. You don't have that option any more, the option isn't there any more, but this is what you actually use to purchase that bond insurance. So it's a very similar concept, but again if you add the percentage of interest rate for the risk premium some of it you are refunding debt the cost of the interest rate savings, but there has to be something in place for a risk and that's what pooled escrow is, it's a pooled risk but it's something there for the risk. MS. SMITH: Under that option would the risk premium vary by institution? Would that be something that would be negotiated individually with each institution, or do you think that would be a set percentage add on to the interest rate? MR. WATSON: I think it would be a set add on because once you start to get into each institution having a separate risk premium you start to think about something, it becomes a little more difficult to have everyone on the same sort of playing field. And that's the thing about this program, this program puts everyone on an even playing field whether you are rated  AAA plus or you are B plus, you get the same interest rate with Cap Finance. So I think we should have the same structure here with the interest rate. MR. RUDLEY: Seems to me the criticism that we have heard was about everybody paying the five percent. So wouldn't a compromise be to look at what you have already paid in and maybe reduce it from five percent to a number that's less than five percent? MR. WATSON: To reduce the -- MR. RUDLEY: Right now we're using the five percent as the low that comes out of everybody, right? And people were complaining, so if we reduce that five percent to three and half based on the study on what's going in and what is being paid out? MR. WATSON: The complaint is not necessarily about that percentage amount, some people don't want to be part of it at all. MR. RUDLEY: I know but the compromise we can offer to them if you say let's go back to three and a half, something, keep the program in place.  MR. WATSON: We could sort of look at that. I think when you start to look at that though as the portfolio grows that three percent becomes a less number and so part of the risk starts to drop as well. So I mean if you think about dropping to three and a half percent or dropping from five to three then you sort of look at you have less money going in and the likelihood whether it is good or bad although we only have one default when this program was first looked at they looked at this loan program having zero defaults. And also that five percent helps to get the subsidy rate, the five percent goes to the pooled escrow and comes into subsidy at the Federal Finance Bank. Those things help the government calculate the subsidy rate. So if we drop that then Congress would have to be required to have a higher subsidy for the program. MR. RUDLEY: What if JOA was saying we were over estimating -- MR. WATSON: No, the JOA was saying at the time I think it was operating at the time that JOA did the report in 2007 there was a zero subsidy. JOA was saying it was impossible to have a zero subsidy when you have at  least one default in the program. At the time it was Barber Scotia. So you have to have a higher subsidy because you have to have some idea that there are going to be defaults in the program. MR. RUDLEY: I'm fine with it, some of my colleagues apparently are the ones that are pushing back, but it's working so I would think you could find a compromise to leave it the way it is because you are building up more of a reserve. You have to study this thing at first and now you have got an actual history to decide. DR. FRANCIS: The question Don, would be that each institution, as you said, if that they would like to opt out of the insolido, if the cost for getting out of the insolido gets higher than what you could get on the open market then they are going to go to the open market. So the decision that has to be made in any decision about the percentages and so forth are going to have to be clear to the borrower as to what you are leaving and what you are getting. Because if it's -- the reason the HBCUs cap is what it is today is because it beats the open market. We never went HBCU like we did earlier because the open market was better. But the HBCU cap that's why we have got these some 20, 30  some odd schools. So I guess when we ask for, how do you get rid of the insolido, the option is to get out of the insolido but here's what you got to pay down the line. And it may be more than what you would have paid if you went to the open market. MR. RUDLEY: The premium insurance is going to be pretty expensive if you are high risk. MR. WATSON: I think, and that part I think I was always telling institutions to look at what you are getting in the open market and what you are actually getting at Cap Finance. Even with that I always tell institutions add about, just look at what you are going to lose your entire escrow. I think it's about 50 basis points, right? But at the same time you still have reserve requirements you have to provide. And so for us it's less than our pooled escrow, your contribution to escrow is less than what the reserve requirement would have been in a normal transaction. MR. MUHAMMAD: In a public market that might be over 10 percent. MR. WATSON: Right.  MR. MUHAMMAD: Over ten percent in the public municipal market if you were to go out and bond for a transaction or for capital, those reserve requirements are much higher than the program. DR. FRANCIS: The reason it's on the table is Henry was asking earlier we made the recommendation that maybe the insolido was something that most people don't like, I don't want to have to pay your loan and that's true. But if the corpus of the number of the institutions out there are going to agree that it is going to be continued to be competitive that's fine. So the answer is yes, you don't have to be in the traunch but if you want to leave it here are the things you have to do and let the institution decide. MR. WATSON: For the most part we see institutions are saying that they are okay with the pool. Because as I said, for some states they are okay with it, it's just some states are prohibited by state law to actually borrow from -- MS. SMITH: So by giving the option for the risk premium, are you saying that that is something that would be  particularly helpful to the public institutions because they are governed by these other state requirements? MR. WATSON: It could and it may be something, I'm sorry, I'm thinking off the cuff, it could. It could just be a matter of changing the name from pooled escrow to price of the secretary's insurance because that's exactly what you are paying for, you are paying for the secretary's insurance. Maybe it's the term "pooled escrow" and because of the escrow if -- the other hang up of it is that because of the escrow if someone is actually paying into it and you are coming out Cap Finance and there's no default, you actually get a portion of your escrow back. If you are paying the insurance premium, you are not getting that back. MS. SMITH: Then you raised another issue and that is subsidy costs, so say that the law is changed to include this additional option for the risk premium it would seem to me that it would have to be done in a budget neutral fashion so that the risk, so that the subsidy cost doesn't increase because if the subsidy cost increases then that $20 million dollar appropriation for the interest subsidy, if I understand this correctly, will support less in total loans?  MR. WATSON: That's true. MR. SMITH: And so the question is is that possible if you added this option for institutions that the risk premium could be, I mean it seems to me you would almost have to do this kind of financial or actuarial analysis, and I don't know if that's possible to keep the subsidy cost about the same? MR. WATSON: When I first toyed with this I think it was probably about 25 base points or .25 percent. I think that's sort of where we would be to bring an institution to the table, and it would take at least six years in order to bring them where they would be, where the institution would have to enter into a payment and go at least six years without going into default before the risk premium would kick in where the escrow would be. Anything after that I think starts earning government money. So I was trying to bring a neutral piece of what is the point in time when an institution may default and without actually making the government tons of money. So if six years was the point in which the institution did not default and I can scale it down to maybe 15 points or another number,  but again it's trying to find a fine balance between the point where I think the institution is going to default so the government won't make tons of money after six years, everything else is sort of profit to the government. So I'm just trying to find that fine balance where we're not charging too much, but again it's the price of if you don't want be part of the pooled escrow you are paying a higher interest rate than these other institutions here. And that's a conversation that the institution would have to have with their financial advisor I think. DR. FRANCIS: That's one of the recommendations. MR. WATSON: The other one, the board wanted to continue looking at was having lower interest rates for stem related buildings. What we're actually seeing is that a lot of institutions are borrowing from the program but they are not borrowing to build academic buildings, they are building things that are revenue generating like dormitories, student unions, things of that nature. But if we actually offered them a lower interest rate to sort of spear the idea of creating the stem buildings maybe that would be something that would trigger them to borrow more to build for renovation for  academic buildings. Now we do get some institutions that do want to build academic buildings, but again that would have to be something that would change in the law and we would have to look for changes of that. MR. RUDLEY: How can you do that in terms of setting a lower interest rate if you went out in the market, the market would determine what the rate would be? MR. WATSON: No, the Federal government would actually -- the Department of Education is the program that, we're borrowing from the Federal Bank, borrowing at two and half, we are borrowing from the Federal Finance Bank and they'll have the institution pay two percent and the Federal government will pay the other half percent. So the Federal government is actually subsidizing that. DR. FRANCIS: You have an interesting point on new market tax credits. Go ahead. MR. WATSON: Those keep costs down, so if you pay one percent, it will cost 146 million, so it would be very expensive, but then too what is the value we place on getting new academic buildings? One percent is 146 million. Again that's a huge increase of subsidy. I'm  not sure the board wants to keep that there, but we're actually increasing the current subsidy by more than seven times. MS. SMITH: Question, I'm not sure I understand that. So you are saying that would be at a one percent interest rate for stem related facilities? That the subsidy cost, the annual subsidy cost would increase from roughly 20 million now to about 146 million? MR. WATSON: I can almost guarantee you if you went to one percent interest rate for stem buildings that this portfolio would probably increase in one year by a billion dollars. You are actually able to borrow money at one percent to build academic buildings. MR. RUDLEY: Free money, free money. MR. WATSON: Almost. MS. SMITH: The behavioral change would be the one we want which is more stem related facilities? MR. WATSON: Right. MS. SMITH:  I'm still not clear on the cost issue though. I have to process that. MR. MUHAMMAD: Capping the interest rate I think the Federal Government would then subsidize the difference in cost based on the projected increase and participation in the program. MR. WATSON: Right. So if now I'm doing, I'm currently doing 300 million or 20 million then the straight drop of one percent for stem buildings there are going to be institutions knocking at the door to borrow. And again their cap is one percent, the interest rate is now at 2.75 and the government is paying that additional 1.75. DR. MINOR: So the only thing I was going to mention it is an interesting incentive. Some of the conversations and the feedback we get from the presidents in these loan programs they are assuming the loan should be able to take it for the things I think I need on my campus. And so the other anticipated bit of feedback is that that's great if your campus with a lot of stem programs. But if you are a campus and don't have a lot of stem programs and you have a need for an academic building would this apply, would this incentive apply?  And so it's something that I think we ought to think about and whether or not it advantages some institutions in ways, I probably wouldn't use the term "disadvantages" other institutions, but it would it be understood as an equitable incentive for institutions to build academic buildings? You know, the other part of that is that if I'm a campus and I'm saying listen, that's nice but our academic buildings are in great shape, we have great labs, what I really need is "X" and it would sure be great to get that kind of subsidy for whatever my institution really needs. Isn't that the purpose of the program anyway? These are conversations that are being had now with institutional leaders who are paying attention to the recommended or the suggested changes for the program. MR. WATSON: When this recommendation actually came up not just because you had a stem program, it came up because all our institutions teach science classes so it doesn't matter what the institution, whether they have a physics program or aviation program or what have you, they all have science labs. And I have to say when I walk campuses I wish they all had science labs. I think what we're doing now with what we have if we  increase the capacity of what our labs are just imagine what we could do if we would reduce it. And I think that was the genericness of this. MS. BASKERVILLE: I think the political climate is good if we would like to advance it. That we have established as a nation a goal of having 100 thousand new stem teachers by 2020 and we have established growth in stem as a national priority. So the timing would be right. The other thing that would mitigate any dissension among the troops is the actual cost of science labs. Stem labs are higher than those for some of the other disciplines, most of the other disciplines so we can argue that. We have some language that is slightly broader than stem that we can also rely on in the current Title 3 under the Higher Ed under the graduate and professional programs, so those are mostly sciences and they are mostly stems, and then we add some other growth and higher needs disciplines. For synergy it would take into account the concerns of presidents who are not stem strong but are strong in other areas but it would also limit their numbers. I know law is included in there and some others, but they are mostly sciences, technologies, math and maybe  entrepreneurship. The important thing there though is that it turns under the Department of Labor's certification of growth and high needs. DR. FRANCIS: On the index you mean? MS. BASKERVILLE: Yes. MR. WATSON: SAFRA also has language to support the stem field as well. MS. BASKERVILLE: I think if we kept it as stem we would get congressional support. If we get it. MR. WATSON: So we want to keep working on this? DR. FRANCIS: Yeah. MS. BASKERVILLE: And then let us know so we'll know whether we need to work on it. MR. WATSON: New Market Tax Credit, this was something that was brought up, looked like it was something that could actually, could leverage an opportunity with Cap Finance funds; however, when looking at the new market  tax credits I met with folks at the Department of Treasury's Community Development Financial Institutions Fudn, which they are the group that actually issues the new market tax credits, and the true growth programs only work through the Cap Finance statute change and our statute probably would have to change to allow it as a tax credit leverage opportunity, and not just as a leverage opportunity but to allow a new market tax credit project to be substituted later. And I think administratively we could do that without a statute change, but we need to have some provision to allow us the flexibility to use the new market tax credit project as collateral but maybe switch out the collateral as times goes on. We may be able to do that administratively but from a bigger standpoint the statute would have to specifically say new market tax credits are -- I'm sorry, new market tax credits are permitted leveraging opportunity for institutions. DR. FRANCIS: That would be post award under their programs? MR. WATSON: Yes. DR. FRANCIS: Meaning it would be an archived program that  used to use tax credits for a part of what they are paying on? MR. WATSON: Right. Because what we basically do in CAP Finance instead of borrowing 15 million, 20 million from CAP Finance say we borrow a 10 million new market tax credit and 10 million from Cap Finance and the tax, the loan is written off, it is really not, it's the option of the lender to sort of write it off because they have enough tax credits. Again those would be things we would have to work out as we go through. MS. BASKERVILLE: Would you receive any discussion particularly from the presidents because they would like it, now is the time that those of us who go and talk to members about it should do that. MR. WATSON: I think presidents would be interested, I mean we have presidents at the table who come to the program as well. Presidents would be interested in it. Again it would be a leveraging opportunity for them to not borrow as much from Cap Finance. Again you get a 20 million project for half the cost for whatever, again whatever that ratio would be at the time. DR. FRANCIS:  Kind of a discount. MR. TISDALE: I think we would like to see us continue down this path because it does give us an option to put together a combination of things that would be more beneficial. I would like to see us continue. DR. FRANCIS: It would put you in a competitive position. MR. WATSON: The last one is Disaster Relief Grant Program. The department already has a disaster relief program but it has not been funded by the Congress. This was not in particular to HBCU it was actually a disaster relief program for all higher institutions of education, but they are not putting money into the program for the appropriation bill. So I'm not sure if this is something we could continue to go down this path with, or is this something that we could look for another body to sort of champion this through to get funding from the current piece of legislation that is already in place. DR. FRANCIS: Having been through this or been through a disaster, no other agency, county, parish, department for elementary or secondary school has had a disaster.  Everyone has had their disaster damages forgiven, not higher education, I don't understand that. That's what you are saying, you got to either go somewhere else or convince the Congress to add higher education. MR. WATSON: This particularly came about with I believe it was Shaw, Shaw had had damage, I forget when the year was, but they had damage and it's a loan, Cap Finance is a loan and you have to pay the debt service. And they had no other means of trying to get their campus between insurance and trying to get other things done there was nothing there for them to sort of go to and pay debt service and get the insurance proceeds to get the building up and running, those kind of things. So to have something in place where they could go to instead of going to borrow more money to get their stuff back on track. DR. FRANCIS: Was that Shaw? DR. MINOR: The, you know, the other interesting part of that, there has to be a declaration of a national disaster or emergency, that's the actual key. So if something happened, that's different in some cases from a natural disaster and whether or not there's a  declaration by the President. MR. WATSON: Right. This 824 of the Higher Education Act actually had that piece in there. SAFRA Act which FEMA uses when looking at declaring something as a natural disaster. DR. FRANCIS: The New Jersey coast, Sandy, you know, that was a natural disaster but I don't think any of the -- I didn't follow that closely, institutions that were hit in New Jersey got any of their disaster relief forgiven. It was still higher education. I still don't understand why everybody else can get disaster relief but not higher education. But anyway that's another issue to maybe look at the Higher Education Act. MR. WATSON: So instead of duplicating a Karen (phonetic) Grant for Cap Finance we would actually maybe look towards supporting the Karen piece, and I'm not sure how the body feels because the Karen piece of 824 is for all institutions but not specific, I'm not sure abut HBCUs. I'm not sure if you would have more flexibility of members or whether the secretary would look at all institutions or just HBCUs.  DR. FRANCIS: All of this is just strictly political. I think you have to have it for every institution, if it's a declared disaster you ought to get relief. You are not going to get the votes you need and I agree with that. When you go through a disaster well in the FEMA rules I didn't know what FEMA, what that four letter word was until we had the disaster and they started explaining how you get money. And right off the bat said if you are a private school you'll get money to clean up the campus. But you don't get money to start redoing it; public institutions, I didn't understand that. Well, you go borrow the money from SBA. So you had to go and knock on the door of SBA and say I want to borrow some money before I could get in to get FEMA money. We all prayed that SBA would turn us down but they didn't so I had to borrow a million dollars from SBA before I could get in the vault, the big vault. MS. BASKERVILLE: I think we could possibly get it into a broader HBCU stabilization and recovery fund. You'll recall we drafted that and we advanced it in the senate. We had support from Harry Reed and Cochran and Shelby and some others who are leaders some of whom are  still there, some are not. But we may want to consider amending that to include that for the reason. You are absolutely right in terms of the policy, but the challenge is, as we saw with Katrina when we went with the separate HBCU fund, we didn't have endowment that would allow us to take care of the things that the college here did. So I would suggest that we may want to consider whether we put that into the broader fund so there would be natural disasters, there would be economic down turns for substantial time periods and some other things that would be considered. And we came up with a definition that at that time if the senate brought into and our then president brought into, we need to look at it and update it but I brought the language if anyone is interested. DR. FRANCIS: Did it get out of a committee? MS. BASKERVILLE: Well, no. In the house we got substantial provisions actually put in, it was not put in in the senate. But we got traction from leaders, and I think that since Higher Ed reauthorization is up we really should consider going back and looking at it, because we now have a protracted economic recession, and now we have Parent Plus but we also have the fact that African  Americans lost a disproportionate percentage of their houses, and so they have no collateral. Most of us have collateralize loans with houses. So that has a direct impact on it too. So I think we should look at that. DR. FRANCIS: I think we should relook at it. It's the political climate -- MR. WATSON: You have language for that? MS. BASKERVILLE: I brought the language that we approved last time, and I didn't know who would be here and whether they were familiar with it, but for ease of conversation I brought a copy. MR. RUDLEY: Can I ask a question? MS. BASKERVILLE: Yes, sir. MR. RUDLEY: Somewhere in that language or would you emphasize or should we emphasize in my opinion it's on a reimbursement basis? We're going to be all caught short, every time you have a disaster like that we had to go to the SBA, get a loan and FEMA operates on a  reimbursement basis. So it would seem this funding wording could help explain it to the common person that it's needed to provide that kind of temporary funding that universities don't have -- you have got to build this under water, there's no way you can go get any money, even in Texas, they appropriate the conditional resources but the timing was such that the legislature wasn't meeting. We meet every other year. So when we had Hurricane Ike that was my experience. So to me the key feature would be to explain to the Congress that in this situation since FEMA operates on a reimbursement basis all institutions are cash strapped, that these funds would help bridge a gap during those times when cash is not available so you can have instant recovery. I don't know if that's the type, I think that would be helpful language. MS. BASKERVILLE: Yes. I think it would be helpful as well as we take a second look at it. What the language that we had advanced last time and we tried to get it both in labor HHS, in the senate, we tried to get it in the Student Financial Aid Bill, and then when they were reauthorizing here. But these were grants that would be available for institutions that were struggling because of a confluence of factors, and a definition  that was agreed over many months includes the four points that are on this discussion document. And so we requested 240 million dollars over a three-year period for about 50 institutions that were struggling and unable to rebound at the time. We need to revisit all of that, but I brought this because this got some traction, it was deliberated and it may provide the basis of a point of departure for something that we could adapt for today's political climate and today's needs. And I believe the list will substantially change given the adverse impact of the Parent Plus Loan. So we asked for 245 million and that was not approved. What we did get consensus from those who were willing to support leadership in the house and senate that was 50 million over one year. These were grants. MS. BARTLEY: There is a lot of support for us from senators who represent, you know, Landrieu, Cochran, Wicker, states that had, who had experienced institutions in their backyard who went through this and who could see this would be a problem going forward. DR. FRANCIS:  You started at 240? MS. BASKERVILLE: 3 245. DR. FRANCIS: In here you have 50 million. MS BASKERVILLE: We started at 245 million over three years and after going to virtually everyone we didn't have traction for that, then we came back with 50 and we had traction. DR. FRANCIS: Did you run, when you ran the metrics on the one 240 here, under 40, under 40 and under 30 total net assets under 35 and you came up with 60 schools or that's a different set of metrics? MS. BASKERVILLE: Well, using this we came up with 15 at the time. And I have the list. MR. WATSON: They probably need to update their enrollment numbers. MS. BASKERVILLE: It's based on 2007 enrollment, obviously we need to come up with today's enrollment and today's figures. I believe that the 15 will remain but the  list will be longer I'm sure. MR. WATSON: This goes back to what I spoke of earlier, not every institution comes to Cap Finance Program. Some of these things would allow them to help grow their enrollment if they had this infusion of money. MR. RUDLEY: This is different from what I was talking about. MS. BASKERVILLE: It is, I was giving, put that for natural disasters in here and given what he said and what the chairman suggested about the politics if that is merged into something broader maybe. MR. RUDLEY: This is good. In Texas I have this hold harmless item, and it hits the same points to try to stabilize enrollment for Prairie View and Texas Valley. The formula does work, Texas Southern, this hold harmless, they are equitable because the formula is based on head count. And the largest institutions get all the money with most of the state funding would follow them, that leaves the institutions with 10,000 or less treated unfairly in that. When people developed the formula it was for the big schools at  that time, Texas or University of Tennessee. So big schools developed these formulas but they stopped working and being effective at about 10,000. So in Texas the hold harmless, I go up there and I explained to them that the PELL grant or hold harmless funding about 3.6 million dollars that they could add to my appropriation outside the formula. It helped get through, but these points are very well taken. The same thing happened, student body declined and you got the endowment in here too; right? MRS. BASKERVILLE: Yes, under 30 at the time. MR. RUDLEY: Under 50 is what I use. Because Prairie View is at 50 million and we're at about 46. Needless to say they use a range. MR. WATSON: I think what you will end up seeing as Dr. Baskerville was saying this was done in '07 so actually these numbers will go up if you go out and do the metrics again. So the market has risen for most of these institutions because it was on the downside for the last eight, ten years. DR. FRANCIS: So could you update this?  MS. BASKERVILLE: Yes. We would like to update it and then also see if we can include in there a natural disaster provision. DR. FRANCIS: The current disaster provision is under what, is it under Title 3? MR. WATSON: No. It's 824. I think it's even been regulated after '08, after the '08 changes. I can provide Dr. Baskerville with that and the rest of the board members and whatever that legislation is. DR. FRANCIS: It's legislation outside of 823? MR. WATSON: It is. Again this has already, Congress has already passed this in the Higher Education Act, it just hasn't been funded. MS. BASKERVILLE: It's for all colleges and universities, but I think we need that and then we need a separate one given the disproportionate smaller endowment of HBCU. So I'm proposing that we work to try to put it in here. DR. FRANCIS: Incidentally I just got a note the food is  here for lunch. MR. WATSON: We have one more area to go over first. Economic Impact Study. We're still trying to see what the cost of that would be for all the institutions. Initially it was looked at for the schools that come through the Cap Finance Program so that a dollar spent -- Cap Finance really has a multiplying effect of maybe three, four, five dollars. I have also talked with individuals from Title 3 administrators and they are actually trying to get some idea of how they can do the same thing and make an argument that Title 3 grant funds spend a dollar is actually not a dollar it's more than just a dollar. So we're still looking into how we can sort of get economic impact studies done for all the institutions not just though Cap Finance. Because again if you look at all those bodies at Cap Finance or those institutions eligible to receive Cap Finance so the economic impact area could also, may improve their ability to get more monies from other institutions as well. MR. HAYNES: Don, the last economic study supported by the department was 2006. The National Center for Educational Statistics conducted, and I don't know  whether -- well, did we talk about going back to them to see to get them to do another one? MR. WATSON: We did talk about them going back and doing their study, but their study was actually more focused on interest rates and things of that nature rather than say actually in a particular City providing this much impact to this City and this county and this state and to the nation. So we wanted something that really showed the impact of that particular institution to the country not just looking at HBCUs as a whole and not identifying HBCUs. Because all our grant, all the grant dollars are contributing to the economic impact of the country. MS. SMITH: So I just wanted to say a couple of things on this. We, the NCES, if we have looked at the NCES study we would like to raise some money so that we could update it or we would contract out to have that study updated because we think that would be very very helpful. That study is based on sort of looking at economic multipliers for HBCUs as a whole as well as for individual HBCUs. So we do want to move that forward. But I also think that would be a great deal of value in what you are talking about Don, and that is  developing some impact studies that tie to the Title 3 and the Cap Finance Program. And maybe that's something that the department could pursue in terms of doing, can't do everybody, but some case studies and going -- so that it doesn't come out, because it can't come out of the Cap Finance budget but maybe going to planning and evaluation and putting it on their agenda or even putting it on the NCES agenda even though they are doing more rigorous studies I think. But putting it on the agenda of some of the other research entities within the department that have money for this kind of research and evaluation I think would be helpful. MR. WATSON: As I said in Title 3, administrative groups which have Title 3 directors from all HBSUs I had a discussion with them because not just Title 3 but they get grant dollars from other places. Say that you give me a dollar here this is how our dollars work, allow them to actually go other places. Give me a dollar, here is what your dollar is going to get. Not just that hey, give me a dollar, these are the kinds of things we're doing but this is actually a return on an investment. MS. BASKERVILLE: The National Science Foundation did an  economic impact study in 2006 and they updated it in 2008, they may have some resources to kick into the pot if you are seeking funds. The other thing is, and I don't know if my colleagues can help me, if a member of Congress is interested in this could not they ask the congressional budget office to do the economic impact study for their purposes? MR. HAYNES: Lezli, I think maybe this is the time, the bipartisan caucus that was just established by Congresswoman Adams and Burns maybe this is something maybe they could do it. They could possibly do it. I was just saying the new congressional bipartisan HBCU caucus, this could be on their agenda. MS. BARTLEY: Possibly. MR. WATSON: Any more discussion? MR. HAYNES: I have one point I know that it is brought to our attention that the HSI community in particular is interested in having a Cap Finance Program for HSI. Now the question is what are the implications for the development for this program? It should be in the  front of the advisory board so you are aware of it. DR. FRANCIS: It's a dollar issue I assume. It's a dollar issue and it would have to be -- you remember we went through this on Title 3, it would have to be a different title. MR. WATSON: That's the only thing I can see, we are a great performer and something to follow, but it may be something that they may look at as a demonstration program, something very little, but I'm not sure it would have a big impact on this program. (LUNCH RECESS). MR. WATSON: It is 1 p.m. we want to reconvene. I would like to set the dates for the next board meeting. Generally we have a September meeting around the White House Initiative for HBCU, most of you will be coming to that anyway in Washington. If that's okay we would like to keep that date as our next meeting for September if everybody is okay with that? Okay, great. I'll set the meeting for, I'll coordinate the White House Initiative so it won't be the day of but it will probably be the day before but it will be around those dates.  DR. FRANCIS: Okay, we got that. MR. BASKERVILLE: I was not aware that we were concluding the Capital Finance Program. But another recommendation that we made in the past that I'm wondering whether current members of the board would like for us to pursue was for a borrowers counsel for the HBCU applicants and those in the HBCU Capital Finance program? MR. WATSON: They already have counsel. What we don't want to do is to act as a Federal government lender or the guarantor or dba lender to provide their legal counsel. But institutions have their own financial advisors and their own legal counsel that can advise them on not only the financial but also the legal issues, so institutions have their own counsel. MS. BASKERVILLE: So is there a provision for pro bono counsel? These were institutions, they are smaller, they don't necessarily have in-house counsel who could handle this and so when you are at the table, they are scrambling to raise funds for lawyers. MR. WATSON:  Interestingly enough I have people that can speak to that. They actually have lawyers, and again if we supply pro bono we're still paying the other side to give legal advice about the transaction they are getting with us. But they do have counsel and part of the fees will come through to the Designated Bonding Authority, the fees for paying legal services come through the cost of insurance. Most of the time, I can tell you most of the time legal fees that DBA counsel incurs are way less than the fees that are incurred by the counsel on the other side. If fact if you have gone through any of our closings the documents in and of themselves are not documents, there's a lot of things where we learn to negotiate on. So it's, for us to pay for someone else's counsel or if an institution can't afford to pay for counsel then they are too small to actually even come through the program. MS. BASKERVILLE: That was not my suggestion that we pay, I was asking whether that would be an amendment that might enhance the program for those, maybe the 20 or so, that are on the list of those who would be eligible for grants so that they could have counsel not from you but directly under the program recognizing that their  interests are not necessarily aligned with those, particularly when they get to a point of where Barber Scotia is or someone else and they are trying to come back and get us to extend, extend or something. But if there's no need then I certainly withdraw it and let's move to the next issue. Thank you so much. MR. WATSON: The other one, the other issue I have to remember to come back to the minutes. But the other issue, the Bond 101 Workshop. When I look at the portfolio of 63 loans that we have made in the program 80 percent of those presidents, 80 percent of those loans are not affiliated with the current president of the university. At some point there's been an administrative change or several administrative changes not just the president but also the CFO as well as the board. And that Bond 101 workshop would actually give these new presidents an idea what it's like to go through financing and what it's like to have -- what this transaction really means to the university. Gives us an opportunity to go through some of the dec covenants and other things that they really, as I talked one on one, don't seem to have an understanding of what these things really mean although their institution is now obligated to this debt.  The biggest problem with that, the other piece of that is title survey. What we see when we're actually doing transactions is the title survey becomes, takes the largest chunk of time because they don't understand what's involved or have not performed a title survey on their campus. And we have had some cases that have been 50 years which if that's the case you really don't know what is yours, what's encumbered, who actually has liens on your particular real estate or other assets. So those things become important parts of the transaction and it increases a better understanding by the intuitions of how these things work, how the transaction works, not just Cap Finance but any kind of finance. As I said before title survey becomes probably one of the biggest problems when we are closing the transaction, it takes the longest time, it takes longer for a title survey than it does for us to close and negotiate a transaction. I know the amount may seem to be a small amount but currently there is 354 thousand dollars in the administrative budget. When I first got the job they told me that included my salary so I was asking where is the rest of my money? But I realize it includes travel, administration of board, travel as  well as trying to provide some technical assistance and to get a good technical assistant we would need more than 354 thousand dollars. By the way I make nowhere near 354 thousand dollars for the record. MR. RUDLEY: You should. MR. TISDALE: This is especially true with title survey, of course it didn't effect us very much this time around but I can recall when we had, were seeking a bond early on a few years ago and the campus hadn't been surveyed, I mean the strangest things come up. I mean just challenging the name of the university itself became an issue. And also it became an issue when it was believed that maybe another university had the very same name that we had. I mean that became an issue in the survey as well. These were things -- DR. FRANCIS: Did you own everything you thought you owned? MR. TISDALE: In the final analysis we were okay, but it was scary for a while. MR. WATSON: That's the key. I'm sort of envisioning this as being something that will be offered to all  institutions in terms of having people who are professionals in doing that. Again we have survey standards and things like that that we looked at and use, but it becomes very important when you start to think about what do you really own and the challenges that you have, that's not your piece of property, we never really conveyed that piece of property to you. Those things become very interesting when trying to close a transaction. MS. SMITH: Question, it sounds like these are very good things for colleges, our campuses to focus in on and so I'm hearing that maybe you don't have the resources to put on this technical assistance. But I'm also wondering since I think most of the presidents do participate in the national conference would it be possible to do a separate session at the national conference or maybe at the very end of the conference, tag onto that because you have got a captive audience right there of the presidents where you could spend an hour, whatever, going through some of these details with them. MR. WATSON: Part of what I envision here, there's a running joke in Cap Finance that I don't have a law  degree for the record but I will go research something and put my legal spin on it. This is not one of these things where I would do that. There are actual real estate attorneys who do this and specialize in these things. And the idea was for us to have at least trying to run, have some surveys done for the particular campuses so they could actually look at their surveys, not just say these are the survey requirements, but this is what the survey means. This is a University A, This is your campus, these are what these things are, you are building a building. These variances, you can't build a building here because you are going to have some variance requirements. You may want to think about another space. They could be all over the place, but when you have your own survey you'll be able to look at that and have a better understanding of your campus. MR. TISDALE: So maybe some variation of that question would be is there anything relative to this program that will be an appropriate technical assistance during the September HBCU meeting? You don't have to answer it now, but my point is it's worth thinking about if there is an opportunity where we're going to have people convening for the occasion anyway, is there any  other aspect of the program that would be worthy of a technical assistance opportunity for presidents who are interested? MR. WATSON: What I used to do early on when I had just one job was going down to the presidents and meeting and having a discussion about Cap Finance and some general ideas. But again it's sort of when you are in a room all the questions go up and then the questions become individual. But I did have a discussion about Cap Finance, bond financing, comparing our programs to other sorts of things. MS. BASKERVILLE: We're hoping you are coming again July 8th through 11th at Hilton Head. MR. RUDLEY: One of the recommendations, I can counsel and some of the people that were involved in this, we can bring them to the September meeting if you want to have a breakout session, we could talk about the process that he is using, that way you can get everything in the process if you would like. That's something you can consider. Two other campuses that completed the loans, they could be presenters and answer all the questions.  DR. FRANCIS: Information is so importation because you have had so many changes in presidents too. MS. BASKERVILLE: Is there a need for us -- I'm looking at opportunities. I read the authorization and the chance to build capacity in our campuses. Do we need to try to get funding to pilot on our campuses in the business schools so we can grow our own or in the law schools, get some of the law schools to build Capital Financing attorneys, and would there be, should we try to put that in either this or some other section in Higher Ed, maybe in the graduate professional programs at the law schools? MR. WATSON: I know law students generally take securities transactions, a securities law class or two, so I'm not sure in depth that would go beyond that but that may be an option as well. DR. FRANCIS: That would be a great option, we have got a lot of young certainly law graduates in the City, African Americans, who are joining big law firms and offer some of those law firms, have them come. I know one or two are doing some special things that I can't  even think about young lady in particular but they need to get into this section. Things like admiralty, law of the seas. Be a lot of money. Some of those law firms do that and they are bringing in these young lawyers. We need to see if we can't see those young lawyers or the law schools. Why not offer CLEs for them to come? MR. WATSON: When you close a transaction with us the room looks very difference. Malik can attest to that, we have presidents who have come through the program, the room looks very different, the room looks like what it looks like right here. Here's a picture of the room, this is the room. We also had another piece of text which we're going to cut down which we called Future Perfect. Future Perfect, what we do instead of denying a school we put a school on Future Perfect, it is an Excel based spreadsheet that allows the institution to say if they want to finance a $20 million structure they can go through Future Perfect and say well, can you increase your enrollment by "X", you can also say increase your contribution to an employee health plan by "X" to get to where you need to be financially for that. So we're thinking of different ways how to do that, but I also  need the financial flexibility to go with it. DR. FRANCIS: What haven't we done yet? Public comments? MR. WATSON: Before we do that let's go back to Dr. Baskerville. MS. BASKERVILLE: What's your question? DR. FRANCIS: You wanted enough time to look through those notes on things that we may not have done or things that we may have done and we shouldn't have done. MS. BASKERVILLE: No, I'm fine with the notes and I have got some technical and conforming amendments that I believe doesn't impact the vote and they can make the adjustments and we'll be fine. MR. WATSON: The synopsis isn't published for the public, only the full minutes. MS. BASKERVILLE: Thank you. MS. BARTLEY: I would like to make a motion that we approve our resolution for Dr. Francis in honor of his stellar  platinum really level service to the agency community and the agency financing board in particular. MS. BASKERVILLE: Second. MR. RUDLEY: It's unanimous at this point. Let's make it. MR. WATSON: I'm not sure how that works but we'll get you something that's actually framed but I would actually prefer that actually each member of the board have it signed. DR. FRANCIS: Good. Do it at the next meeting. MR. WATSON: In the closing deal we usually have signatures, you can actually sign the document at different points in time, but I think this is one, so circulate it around. MS. BASKERVILLE: Along those lines I would like to read into the record some words on behalf of the 106 presidents and chancellors of historically black colleges and the predominantly black institutions. "The decision of Dr. Norman Francis, President of Xavier University, to retire after 46 years at the helm  of Xavier University is bittersweet for the 106 presidents and chancellors of historically black colleges and universities, and the CEOs of the emerging predominantly black institutions who comprise the NAFEO Nation. It is written in Proverbs 11:31 the righteous small receive their due on earth. Dr. Francis is truly a righteous man and the work at Xavier University of this good and faithful servant for more than four decades was well done. As an innovator who designed and implemented a success model at Xavier University that included entreuprership, capital and community building and growing excellent administrators, faculty, staff and students in the sciences and health professions before STEM was an acronym, the work of Dr. Francis was consistently well done. As a wise man who designed and painstakingly built the House of Xavier on solid rock the work of Builder Francis was well done. As he used his legal acumen in courtrooms, executive suites and legislatures to tear down barriers to the full and unfettered access to the bounty of this land for those traditionally materialized, Attorney Francis' service was well done.  As he shepherded hundreds of other HBCU presidents into and out of service and mentored administrators, faculty, staff, students, lawyers and advocates across the country, the work of Dr. Francis was well done. The work of Servant Francis was borne of his, Catholicism, driven by his Vincentian values and bred by the nuns who kept Xavier focused on its mission of meeting urgent human needs including educating the unlettered and respecting the dignity and self worth of every being, President Francis has earned his due on earth. NAFEO Nation delights in his plan to enjoy it. Some will recall that President Francis was poised to retire a decade ago just before Katrina hit decimating New Orleans, shaking the foundation of Xavier University and displacing the students, administrators, faculty, staff and the Francis family. It was while with students on the top floor of the highest building in Xavier's campus awaiting transportation to a safe haven out of New Orleans just after Katrina hit that President Francis announced his retirement plans would be put on hold and that he would remain at Xavier to secure and shore up his university. 10 years later with Xavier globally recognized as one of America's premiere universities  President Francis having been honored with the nation's highest civil honor, the Presidential Metal of Freedom, and having not only restored Xavier to its pre Katrina greatness, but having built it beyond that marker, the NAFEO Nation anticipates with delight President Francis' retirement on his own terms. We will miss the omnipresent and wise counsel of NAFEO Nation Commander In Chief Francis as we negotiate the challenges and opportunities and celebrate the accomplishments in higher education and in the HBCU and PBI communities in particular in these ensuing years. We will miss the daily scholarship, mentorship, leadership and potent advocacy of Dr. Francis not just on behalf of Xavier University but on behalf of the entire community of colleges known as NAFEO Nation. Well done thy good and faithful servant leader, Dr. Francis. We wish you God speed and every good wish as you begin your new chapter in life. We are inestimably grateful to you and Mrs. Francis for your 46 years of service at Xavier University. Thank you so much. DR. FRANCIS: I'm so old that I was in the George Washington Carver Hilton Hotel when NAFEO was founded  and helped write the charter with the Howard University Dean of Law School. I must have say I have enjoyed it and I have to remind all of you that I didn't do all of this by myself. No way. My mantra had been all along that a president, new president, old president should remember one thing; if you are going to really make it you have to hire people smarter than you and get out of their way. And where many times presidents think because they are named president and the public promotes this, you know, they feel that you are president, you are going to make all the decisions and you are the one that they need to talk to. They don't remember that you got the folks around you that are smarter than you, and they are the ones that you will turn to for those decisions. If you are able to do that it works. So when I get these compliments I share this with all the folks that I have had the opportunity to serve with. And I have to tell you I have been thinking just lately about Xavier from the day I stepped on this campus and looked back at the people who taught me and the lady who put the money up there for Xavier to build that building that you see, that's the original building and that's an Indiana limestone building,  looks just like Yale because she was from the east and figured she had to tell New Orleans that I'm building this and if you don't believe that I'm going to put quality in here look at that building. And every bit of that money that she had from her father's investment and interest, and I'm saying this to you, everybody talks about the house of Morgan, you know whose money was in the house of Morgan? Drexel money, Drexel money was in the house of Morgan, major part of it. He made sure that no young man would marry his three daughters for the money and so he named the beneficiaries in his will before he died not knowing that one of those young ladies would become a nun and give up her rights to all that money. Now had he known that I wouldn't be sitting here I can tell you this. Because it is estimated in the last part of the century, that money was probably, that she was entitled to use the interest on, was probably about 400 million dollars. So it was kicking off interest money for her to do all of what she did, and she devoted it to just Native Americans and African Americans. And Xavier is the only university and the schools that we opened were always in black and Hispanic neighborhoods. She gave money, I know my brother was a black Catholic bishop, the only 4th named  in the United States. So every black priest who needed help in the parish she sent money. But because of her father's will the last daughter was entitled to the use of the money and she was the last daughter. And if any of us had been the actuary, we would say well, she would live to be 70 years of age and the money would go to everybody else. Well, she lived to be 97 years of age which meant that Xavier, in 1925 was oldest in 1955 to have a name and to be able to start but at that point all that money was cut off like that. And most people -- I'm telling the story because I think you should know it. Most people think that she had or the nuns that she, she founded the order of nuns, they all had squirreled away a lot money before she died. No, not at all. So that money was cut off and all of the other beneficiaries got all that money. And so I'm not supported by the Catholic Church, I'm related to the Catholic Church, I'm not supported. And when I sit around my brothers at UNC, they used to sit like this and say man, I sure wish I was you. I say why? Because you go to Rome and the Pope gives you that money. I say I go to Rome and the Pope asks me for money. So places like the Jesuits and Dominican, the Holy Cross fathers, they are responsible and most of  them have it. I'm the only one black Catholic, I do not get it from Catholics, and I do not get it from my brothers and sisters, because my brothers and sisters believe I got a lot of it. I told the brother who was sitting next to me I say, you know, what? Suppose we switch places for one year, you take my position and I'll take yours. Not a bad deal. I said I would love to see you go to a Catholic church in St. Louis this Sunday and say I want to preach this Sunday Father. What? But if I were in your shoes I would go to the Baptist preachers that I know well and say I want to preach, I want to preach; come on, and we're going to pass the basket. So I'll trade with you for a year, So the only way we made it was on our records, that's the only way we made it. That's why you should tell Rose that I'm really glad that I'm Catholic but I'm Black so she might write about me. My only point in saying this to you it's a degree of not just humility that I got from that little town not too far from where I was born and raised but from having to earn it all every day, every day, earn it, earn it. And that for me watching the folks that I got taught when I was here '40 to '52 and knowing about -- just think I came on this campus only 23 years after  this place was founded. So I learned from all the other folks who were there, the stories about the early days. And for me it was, it's unbelievable, guys who told me I didn't pay any money to go. Sister says you need money? Come on, come on. The money was there. She was a little, a little Ford Foundation. There was a law passed called The Little Nun's Law because she was paying taxes on money while she was living, and her good lawyers said you don't have to do that, and sure enough they passed The Little Nun's Law. If you give away 96 or 97, 97 percent of your money you don't pay taxes; she was. So I'm just saying to you that having lived through this and seeing what I have seen and what you said earlier, you know, I practiced law for about maybe a year, different things, civil law and all, and I got appointed by the judges in Criminal District Court. There were only about ten black lawyers back then. AP Tureaud, the dean -- You want to read a great book? He published a great book, "A More Noble Cause", AP Tureaud, he was filing civil rights lawsuits in 1944-45. How this man went into some of those courtrooms and fought I'll never know. But when I practiced the criminal law side people I represented because I was appointed judges  said no, no, no, you don't want a black lawyer y'all going to represent your own brothers and sisters. I never won a case. My client's knew more about the law than I did. I would go downstairs and say got this folder here Don Watson, tell me you did all this, did you do that? No, sir. Well, I don't know about that. Well, you go upstairs and talk to the DA. He said what I'm going to do that for? Said I'm going to cop a plea. Oh, what you going to cop a plea on? And I'm not guilty, I want to get this, I want to get that. So that's your deal. I would go upstairs and the district attorney would say you must be crazy, this guy has been in and out of jail 10 or 15 years, I'm not going to agree to cop a plea. I would go back down the stairs and say alright now tell me the truth. I decided no, I figured I would go in higher education and produce more lawyers and that's what happened. So I say to you and this new generation it's your turn now. And I had great mentors, AP Tureaud was one of them. And I should say this, I was the first graduate of another senior man who I think, been a good friend of mine, who did the law school after I got in to take care of me because I was only 21 years of age. If I fail they would never have admitted another black in law school in Loyola in life, I never thought about  that. And the reason I didn't on the HBCU side, I knew as much as my white brother than anybody else. I used to say everyday to them, I might not be the smartest in this class but I ain't the dumbest. Fortunately I had my degree, they were prelaw so I had a Catholic college, I had more philosophy, theology than any of them in the room. Some of my best friends and they all became judges, Supreme Court Judges. I'm the only one went straight. They are all on both sides of the line but they all come talk to me, you know. And Lezli, you knew Dutch Morial, he integrated LSU, and we studied with AP, with Thurgood Marshall. The things that I could write about in the Civil Rights movement. I wasn't at the top, I was working in the background, I was at Xavier and I was of counsel to the CORE, Congress of Racial Equality. Tough boys who took no prisoners at all, and two seniors at Xavier were with the group that started the Freedom Riders. I was of counsel to them. They came to me and said Doc, we're going to start the Freedom Riders. We're going to get on that bus and we're going to travel and sit anywhere on that bus all the way New Orleans. And I said you'll never make it. And they said to me that's how you old fogies are, you don't believe in taking a  chance. I wasn't but about five years older, I say I'm not that old but I'm not that dumb either. You know where they stayed their first night? In the dormitory at Xavier. They got bombed out in Bessemer and they had nowhere else to go and those two seniors came and said we need a place to stay. I said oh, my God what am I going to do? You are going to put them up in a dormitory, aren't you? I said no, they vowed to come and the people who bombed them said they were going to follow them. I said I got two groups of students in that 1st and 2nd floor. And I made one deal, no reporters, nobody and I can tell y'all I stood on those steps and saw those folks get out of those cars, stood on my steps, that was brutal. And the young man who was a young white minister was worse than anybody else and he filed a lawsuit and that lawsuit ran around the Courts for 15 years. My only point is I'm telling you stories about what the past was, but I can tell you I'm seeing some of the same stuff showing up. That's why you got to keep your eyes open and it's in the details and it's not new code words. And I didn't do that to you, that's your problem. No, sir, it's America's problem. I got sent to Birmingham, Alabama. The richest black man in Birmingham, he was richest and he  had a big motel, that's where all the Civil Rights folks met. They bombed his motel three months before I got there. And I used to meet with two or three black boys in that little motel, and that's when Bull Connor was taking care of business. JF Kennedy and Robert Kennedy sent me there because there was a meeting with Bull Connor and Robert Kennedy, John Kennedy, you know, they should have asked anyone of y'all around the table, said ask Bull Connor when are y'all going to start hiring colored folks in the Alabama State above the mop and broom? Bull Conner said oh, we're going to do that the day the Federal government does. Didn't realize hey, there's no difference and they sent about six of us out. And I got Birmingham, Jackson after Medgar Evers was killed. And I got to Birmingham and I will never forget, I came into this beautiful Federal building and this man came down the steps and I'm here by myself, I did not have them Federal folks with me. And he said I know who you are. Yes, sir, but I don't know who you are. I said I'm the reason the Gaston motel. And I said well I don't know, I'm the regional director, and I cover FHA, if any of you know FHA, they were the worst agency in the Federal Government in terms of if you could fulfill all the requirements you didn't need  the law. And he looked at me and he said just want to tell you before you start, because I had gone there to integrate. He said we have no openings. Now I'm coming as the President of the United States and the Attorney General to integrate your office, and you tell me we have no vacancies. I looked at him and I said but you will when I leave. That made me feel good, but he didn't like it, so I liked to get out of there as fast as I could. But my only point in saying this to you, it's my Swan song, if we don't watch everything that's going on the whole country is going to suffer, that's the problem, the whole country. There are poor people everywhere and let me tell you that Congress is fighting for here, there. The presidential race, God help me, I think I'm going to go somewhere and go sit with those guys, the psychiatrists up there. And I worry about that, I really do. So I'm leaving but I think we got enough resilience and enough young people if we talk about it. The only speech I'm giving, I'm saying I'm going to give a phrase and I want you to finish it, "a voteless people is a -- hopeless people. A voteless people is a hopeless people. Young people are not voting. And that's not good for the future at all. I'm doing all  this pro bono. On June 30th it's going to be honorary. MR. WATSON: Public comments from the Institute of Economic Development North Carolina and it states "Dear Don Watson, this is the second time since 2007 that I have been unable to attend a meeting of the HBCU Capital Finance. I wanted to really attend this meeting to simply celebrate all the good work of this advisory board, its chairman, you, and this program. As I was a part of promoting the Higher Education Amendment Changes Act changes I must thank this board for its support and its recommendation for the respective changes. In particular, thanks are surely due to the chairman and you for your unwaving support of this important program. I wanted to personally attend this meeting to say that every private HBCU in my state has benefited from this program. While we here in North Carolina may not have the most HBCUs, we were some of the earlier schools that attended this program. You and this state have had the most financial transaction of any other state. You have surely been a God send to us meaning the State of North Carolina. To the Chairman, we are so grateful for your leadership and the wonderful example you have been for  all of us. It's a time of celebration and we truly truly believe that the benefits of this program should be lifted as a model of good work. There is often so much negative but this work has proved to be positive. There are no words except we are grateful. Most sincerely. DR. FRANCIS: I'll now declare this meeting adjourned. 9 10 11 12 (WHEREUPON THE MEETING WAS ADJOURNED). 13 14 15 16 17 18 19 20 21 22 23 24 25  1 REPORTER'S CERTIFICATE 2 3 This certificate is valid only for a transcript accompanied by my original signature and original required seal on this page. 8 9 I, LEAH J. GLASS, Certified Shorthand Reporter in and for the State of Louisiana do hereby certify that the within witness, after having been duly sworn to testify to the truth, the whole truth and nothing but the truth, did testify as hereinabove set forth in the foregoing pages; That the testimony was reported by me in shorthand and transcribed under my personal supervision, and is a true and correct transcript to the best of my ability and understanding; That the transcript has been prepared in compliance with transcript format guidelines required by statute or by rules of the board, that I have acted in compliance with the prohibition on contractual relationships as defined by Louisiana Code of Civil Procedure Article 1434 and in rules  and advisory opinions of the board; That I am not of Counsel, nor related to Counsel or the parties hereto, and in no way interested in the outcome of this event. 5 6 7 8 9 LEAH J. 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Meeting of the HBCU Capital Financing Advisory Board at Xavier University (MS Word)OPE Normal.dotm$Office of Postsecondary Education2Microsoft Office Word@G@b/{@b/{vLq՜.+,D՜.+,t hp  S U.S. Department of EducationU oTranscript of May 18, 2015 Meeting of the HBCU Capital Financing Advisory Board at Xavier University (MS Word) Titlep(NVbCreated LastSaved@/m@/m  !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&()*+,-.0123456ARoot Entry F@w4m/{CData 1Table]WordDocumentlSummaryInformation('DocumentSummaryInformation8/CompObjr  F Microsoft Word 97-2003 Document MSWordDocWord.Document.89q