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CONNECTING COMMUNITIES TO CAPITAL 2012-2013 Annual Report

investing in community


OUR MISSION We build vibrant, sustainable communities by financing the production of affordable housing and acting as a catalyst to meet the fundamental needs of underserved neighborhoods.

WHAT WE FINANCE We finance projects that: 1) provide affordable housing; 2) create access to food and essential services; 3) increase the quality and availability of neighborhood facilities; 4) create employment opportunities; 5) attract additional investment; and 6) strengthen the social and economic fabric of the community. Loans generally range from $10,000 to $500,000 with rates starting at prime; loans up to $3,000,000+ available.

COMMUNITY IMPACT Since 2004, we have provided $16.5M in financing to non-profit organizations, for profit developers, and government entities that has facilitated the development of more than $156M in community development projects; funding has created or retained 3,577 jobs, financed 1 healthy food retail outlet, 1 community facility, 1,105 housing units, and provided a safe, decent and affordable place to call home for 2,763 individuals and families.


Dear Friends, Connecting Communities to Capital is LHT’s theme for our 2012-2013 annual report. The topic reflects our growing emphasis on funding the many variables that go into building successful communities. While we continue our core mission of financing affordable and workforce housing, we recognize that housing must work in conjunction with other community assets. Therefore, we have expanded our mission to include lending for access to healthy foods, community facilities, and community businesses. Connecting Communities to Capital reflects our geographic expansion to include all communities in South Carolina. When we made our first loan in 2005, our focus was on the Charleston tri-county region; over the past two years, we expanded to include Georgetown County, the City of Beaufort, and the Town of Port Royal. Recognizing the need to create opportunity across South Carolina, we now provide funding and services statewide with an emphasis on the 10 coastal counties. Connecting Communities to Capital reflects our collaborative efforts with local, state, regional, and national partners to address the growing resource needs facing underserved communities across the state. Collectively, we provide experience, knowledge, and capital to better serve our target and focus areas. This past year alone, these partnerships helped to provide educational opportunities on healthy food retail and affordable housing to community and state leaders. Connecting Communities to Capital: 2012-2013 Annual Report

Connecting Communities to Capital reflects our relationships with investors and donors. We appreciate the opportunity to put your investment to work and to leverage your commitment by creating new funding opportunities. Over the past 12 months, we have leveraged our capital 10:1. With your support, we will continue to build vibrant and smarter communities by bringing capital investment where it is needed most, by building capacity where it is lacking, and by helping to focus dialogue statewide to explore ways to address pressing community issues. Connecting Communities to Capital - bringing together partners, resources, and solutions to meet the capital needs of South Carolina communities.

Karen Abrams Board Chair

Michelle Mapp Executive Director 1


HOUSING MATTERS: TRI-COUNTY HOUSING SUMMIT, MAY 17, 2013

Mayor Joseph P. Riley, Jr. City of Charleston

“Housing is where jobs go to spend the night.” – Mary Graham, Charleston Metro Chamber of Commerce


YEAR IN REVIEW CAPITALIZATION $1,300,000 in investments and program grants $703,806 Financial Assistance Award from the US Treasury CDFI Fund $590,531 in operating grants $226,669.81 in earned revenue

WHY WE INVEST: SCBT “SCBT is committed to improving the lives of Lowcountry residents. Our investment will help LHT continue to provide affordable housing options and create positive social and economic change for our local communities.” 

– Thomas Anderson,Vice President., SCBT

LENDING $3,681,942 in development loans $35,000 in affordable housing subsidies $46,949 in down payment and closing cost loans

ADVOCACY Sponsored statewide workshop Growing Food & Opportunities in South Carolina Hosted inaugural Housing Matters: A Tri-County Housing Summit Leadership of SC Food Access Taskforce and SC Community Development Finance Alliance

EXPANSION Expanded scope of services to include healthy food retail, community facility and community business lending Expanded staff by hiring a program manager for the healthy food and community facility loan programs Finalist for the 2013 Wells Fargo NEXT Seed Capital Award

Connecting Communities to Capital: 2012-2013 Annual Report

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AFFORDABLE HOUSING

HEALTHY FOOD

COMMUNITY FACILITY

COMMUNITY BUSINESS

IMPACT: 2012-2013 $41.7 Million

$3.6 Million in financing

296

housing units

335

jobs created

14

loans

in development

740

1

families served

1

community facility

business

WHY I INVEST: Robert Johnston “As an investor, I seek opportunities that not only provide a financial return, but allow me to support an organization I believe in. By investing with LHT, I am able to make a difference in my local community.” 

4

– Robert Johnston,The InterTech Group


CONNECTING COMMUNITIES TO CAPITAL

AFFORDABLE HOUSING LOAN: TOWN OF HOLLYWOOD

COMMUNITY FACILITY LOAN: CRISIS MINISTRIES

LHT provided the Town of Hollywood a loan in the amount of $253,784 and provided a housing subsidy of $25,000 for Holly Grove, a 42-unit project for families at 80% AMI or below. LHT’s financing will be used to construct the first phase of the project, four units of affordable rental housing for families at 80% AMI or below, and will be used as a catalyst for the next phase of development.

LHT provided Crisis Ministries a development loan in the amount of $500,000 for its Veterans’ dorm, a 41-bed transitional housing facility for homeless male Veterans. This marks LHT’s second investment in the project.

HEALTHY FOOD LOAN: HUB CITY COOPERATIVE

COMMUNITY BUSINESS LOAN: HUMANITIES FOUNDATION

Spartanburg, South Carolina is a designated food desert, and serves as the perfect location for Hub City Cooperative, a consumer food co-op that will provide healthy, affordable food options to local residents. LHT recently approved a loan in the amount of $571,800 to purchase and rehabilitate an abandoned building in downtown Spartanburg that will serve as retail space for the co-op. Hub City expects to begin renovations in 2014.

In order to continue providing affordable housing options to families earning 60% of the area median income (AMI) or below, the Humanities Foundation approached LHT to help address the liquidity requirements mandated by their national financial institution. LHT’s loan in the amount of $500,000 provided critical financing that allowed the Humanities Foundation to secure additional required construction financing to ensure project completion. As a result, 168 affordable rental units were developed for very low-income households.

“Securing the loan from Lowcountry Housing Trust was a huge step toward accomplishing our fundraising goal. With LHT’s support, not only are we closer to reaching the funding goal, we also have the support of an outstanding community development organization that believes in the power of the cooperative business model to build stronger, more economically-sound communities.” Erin Ouzts, Hub City Cooperative

Connecting Communities to Capital: 2012-2013 Annual Report 5

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INVESTING IN SOUTH CAROLINA CHEROKEE PICKENS

OCONEE 1

GREENVILLE 1

YORK 1

SPARTANBURG 1

CHESTER

UNION

ANDERSON

LANCASTER

CHESTERFIELD

MARLBORO 1

LAURENS DILLON

FAIRFIELD

KERSHAW

NEWBERRY 1

ABBEVILLE

DARLINGTON

LEE

GREENWOOD

MC CORMICK

MARION

FLORENCE

RICHLAND 1

SALUDA

HORRY 1

SUMTER

LEXINGTON EDGEFIELD CALHOUN

CLARENDON

WILLIAMSBURG

AIKEN

GEORGETOWN 1

ORANGEBURG 1 BARNWELL

BAMBERG

DORCHESTER 1

BERKELEY 1

ALLENDALE COLLETON

CHARLESTON 17

HAMPTON

JASPER

BEAUFORT 2

Projects Financed by LHT


LENDING AFFORDABLE HOUSING DEVELOPMENT LOANS CHARLESTON COUNTY HUMAN SERVICES COMMISSION Loan Amount: $150,000 Location: Charleston Impact: 1 unit/3 jobs CHARLESTON COUNTY HUMAN SERVICES COMMISSION Loan Amount: $150,000 Location: Charleston Impact: 2 units/6 jobs BAY POINTE II, LLC Loan Amount: $325,000 Location: Myrtle Beach Impact: 56 units/68 jobs MADISON STATION II, LLC Loan Amount: $200,000 Location: Columbia Impact: 48 units/59 jobs PORT ROYAL APARTMENTS, LLC Loan Amount: $170,000 Location: Port Royal Impact: 60 units/73 jobs

ROCK POINTE APARTMENTS, LLC Loan Amount: $200,000 Location: Rock Hill Impact: 48 units/59 jobs

TRI-COUNTY REGIONAL DEVELOPMENT CORPORATION Loan Amount: $375,000 Location: Georgetown Impact: 14 units/3 jobs

COBALT DEVELOPMENTS, LLC Loan Amount: $232,000 Location: North Charleston Impact: 2 units/6 jobs

COMMUNITY FACILITY LOAN CRISIS MINISTRIES Loan Amount: $500,000 Location: Charleston Impact: 41-bed facility/19 jobs

LIGHTHOUSE REAL ESTATE SERVICES Loan Amount: $150,000 Location: North Charleston Impact: 6 units/3 jobs

COMMUNITY BUSINESS LOAN HUMANITIES FOUNDATION Loan Amount: $500,000 Location: Charleston Impact: working capital

METANOIA Loan Amount: $175,000 Location: North Charleston Impact: 8 units/4 jobs NEW AMERICA Loan Amount: $301,158 Location: Orangeburg Impact: 6 units/19 jobs TOWN OF HOLLYWOOD Loan Amount: $253,784 Location: Hollywood Impact: 4 units/13 jobs

Connecting Communities to Capital: 2012-2013 Annual Report

WHY WE INVEST: PNC Bank “PNC Bank has a strong commitment to investing in our local communities and supporting CDFIs. We are proud to fund the important work of LHT, helping them to provide both development loans and technical assistance in communities where they are most needed, but often not readily accessible.” 

– John Bryson, Development Advisor, PNC Bank

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AFFORDABLE HOUSING

HEALTHY FOOD

CAPACITY  BUILDING

COMMUNITY BUSINESS

TRAINING

EVENTS

WORKSHOPS

October 27, 2012 HOMEBUYER ASSISTANCE TRAINING Location: Pawley’s Island # of Attendees: 12

September 25, 2012 GROWING FOOD & OPPORTUNITY IN SOUTH CAROLINA Location: Columbia # of Attendees: 200

August 15, 2012 AFFORDABLE HOUSING PROGRAM WORKSHOP Location: Beaufort # of Attendees: 64

December 6, 2012 BEGINNER DEVELOPER TRAINING Location: Charleston # of Attendees: 11

May 17, 2013 HOUSING MATTERS: TRI-COUNTY HOUSING SUMMIT Location: North Charleston # of Attendees: 118

August 29, 2012 AFFORDABLE HOUSING PROGRAM WORKSHOP Location: Pawley’s Island # of Attendees: 36

January 12, 2013 HOMEBUYER ASSISTANCE TRAINING Location: Georgetown # of Attendees: 21 WHY

December 10, 2012 NEW MARKET TAX CREDIT WORKSHOP Location: Port Royal # of Attendees: 18

March 23, 2013 HOMEBUYER ASSISTANCE Location: Georgetown

June 26, 2013 HOME CAPACITY BUILDING WORKSHOP Location: Charleston # of Attendees: 18 8

COMMUNITY FACILITY

WE INVEST: Frances P. Bunnelle Foundation

# of Attendees: 8

“We partnered in a program related investment with the Lowcountry Housing Trust because we appreciate their vision for a broader base of housing in Georgetown County. Their innovative process of leveraging funding from a variety of investors was very appealing. We joined with County government to fund LHT in Georgetown and we are hopeful that their presence in our community will move Georgetown County forward. “ 

– Geales Sands, Executive Director, Frances P. Bunnelle Foundation


TECHNICAL  ASSISTANCE

2012 Client: Crisis Ministries, Non-Profit Organization

LHT offers individualized technical assistance to guide you through the complexities of the development and project financing process.

Transitional Dorm. Specifically, LHT assisted with the completion of

Service: LHT assisted Crisis Ministries with applying for and receiving a Federal Home Loan Bank of Pittsburgh award in the amount of $250,000; the application was for gap financing needed for the Homeless Veterans budget spreadsheets required for the request. 2013 Client: Summit Development Partners, LIHTC Developer Service: LHT assisted with the submission of a Low-Income Housing Tax Credit application for a project in Greenville. As a new developer, Summit Development Partners requested LHT’s assistance with ensuring compliance with the application package. The application is pending approval from the state and will provide 44 units if approved. 2013 Client: BCD Affordable Housing, For Profit Developer Service: LHT assisted BCD Affordable Housing with compliance of a Low-Income Housing Tax Credit property. Specifically, LHT reviewed documentation for accuracy, defined liability for outstanding loans on the property, and provided clarification on compliance requirements. BCD is currently rehabilitating the property to provide 22 rental units in Charleston.

Crisis Ministries, Homeless Veterans Transitional Dorm

Connecting Communities to Capital: 2012-2013 Annual Report

9


AFFORDABLE HOUSING

HEALTHY FOOD

DONORS THANK YOU TO OUR 2012-2013 DONORS FOR THEIR ONGOING SUPPORT OF THE OPERATIONS OF THE LOWCOUNTRY HOUSING TRUST

COMMUNITY FACILITY

COMMUNITY BUSINESS

FINANCIAL INSTITUTIONS Bank of America BB&T Heritage Trust Federal Credit Union SCBT SunTrust Wells Fargo FOUNDATIONS Frances P. Bunnelle Foundation Mary Reynolds Babcock Foundation GOVERNMENT Charleston County City of Beaufort City of Charleston City of North Charleston Georgetown County SC State Housing Finance & Development Authority Town of Port Royal U.S. Department of Treasury CDFI Fund Waccamaw Regional Council of Governments DONORS Karen and Andy Abrams Thomas Anderson Amy Baker Magda Baker Tom and Julie Baker Meg Calnon

10

Debra Crawford Joan and George Dehne Nadine Deif and Robert Johnston Sharon Fratepietro Charles and Cynthia Goldman Ashley and Jennifer Heggie Alice Herrmann Jacquelyn and James Heyward Tammie and John Hawkins Peggy Huchet Christie McCoy Robert Nettles Jean Norman Ron Owens Florence Peters Whitney Powers Kelly Price Matt Sloan Sloan Family Charitable Fund Henry and Rochelle Slyker Sarah and Craig Smith Bill Stanfield and Evelyn Oliveira Fred Vereen, Jr. Randy and Debby Waid Ron and Susan Watts Steve and Jenny Wichmann Pamela Williams and Jary Hulst Henrietta and Nicholas Woodward Tony and Heidi Woody Wendy Zara


INVESTORS Impact investments are a growing tool that financial institutions, philanthropists, and foundations use to employ their capital for the greatest social impact. A loan from you ($25,000 minimum) or your organization ($100,000 minimum) to LHT offers both a financial return (quarterly interest payments, a 33% state tax credit, and principal repayment) and a social return; your loan is put to work improving the communities in which we live, work, and play.

Thank you to our investors for their ongoing support.

ARC HITECTU RAL

ANITA ZUCKER

ASSO CIATES, llc

ROBERT JOHNSTON

For more information on investment opportunities, please visit www.lowcountryhousingtrust.org, or call 843-973-7285. Connecting Communities to Capital: 2012-2013 Annual Report

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AFFORDABLE HOUSING

HEALTHY FOOD

COMMUNITY FACILITY

COMMUNITY BUSINESS

Expenses Program Services Management  and  General Fundraising

FINANCIALS

$              621,991.00   $                      50,901.00 $                      36,037.00 A snapshot of LHT’s financial health as of 12/31/2012: $                708,929.00  

1. FINANCIALLY SOUND a. Net asset ratio, a measure of equity to total assets, was 51% b. Sound capital structure as evidenced by low debt/equity ratio of 42.2%

LOANS OUTSTANDING $3,500,000 $3,000,000 $2,500,000

7%

5%

$2,000,000

Program Services  

$1,500,000

Management and  General   Fundraising  

$1,000,000

c. 10 months of operating cash on hand

$500,000

2. SOLID LOAN PORTFOLIO a. Only experienced one write-off in its history

88%

$2008

2009

2010

2011

2012

YTD 2013

b. No past due accounts ANNUAL GROWTH IN INVESTMENTS

c. Loan loss reserve ratio of 5% is sufficient to cover any future potential losses Investments 2008

$950,000.00

$0.00

3. AVAILABLE FUNDS 2009 $250,000.00 a. Capital available for2010 lending was $5,684,527 as of 12/31/2012 $200,000.00

$617,000.00

2011 $617,000.00 b. Funding from the US Treasury for affordable housing, healthy 2012 $950,000.00 food retail, community business, and community facilities $2,017,000.00 Elliott Davis, LLC audited the financial statements for the fiscal year ending December 31, 2012 in accordance with generally accepted accounting principles and expressed an unqualified opinion. The audit was approved by the Board of Directors and is available upon request by emailing alice@lowcountryhousingtrust.org.

$250,000.00

$0.00 2008  

12

$200,000.00

2009

2010

2011

2012


Expenses Program Services Management  and  General STATEMENTFundraising OF FINANCIAL POSITION

$              621,991.00   $                      50,901.00 $                      36,037.00 As of December 31, 2012 (with comparative totals for 2011) $                708,929.00  

OPERATIONAL EFFICIENCY 2012

ASSETS Current Assets Cash and cash equivalents Accounts receivable Expenses Promises to give, current portion Services Program Other current assets Management  and  General Loans receivable, current portion Fundraising Total current assets

2012 4,544,718 200,000 50,000 $              621,991.00   4,481 $                      50,901.00 85,012 $                      36,037.00 4,884,211

$              708,929.00  

Non-Current Assets Property and equipment, net Promise to give, net of current portion Loans receivable, net of allowance for loan loss and current portion Total non-current assets Total assets

7%

2011 4,305,335 19,808 100,000 4,308 382,975 4,812,426

Program Services

Management and 7%  

33,288 0 2,237,976 2,271,264 7,155,475

5%

Fundraising

5%

23,926 49,020 734,960 807,906 5,620,332

88% Program  Services   Management  and  General   Fundraising  

LIABILITIES Current Liabilities Accounts payable Accrued expenses Deferred revenue Refundable Investments advances Total 2008 current liabilities

2009 Other Liabilities Other liabilities-program related investments 2010 Other liabilities-equity Investments equivalent investments Total 2011 other liabilities 2008 Total 2012 liabilities 2009 2010

Net Assets 2011 Unrestricted 2012 Undesignated Board designated Temporarily restricted Total net assets Total liabilities and net assets

5,061 17,513 1,405,961 42,413 1,470,948 $0.00

5,341 15,142 2,263,642 79,236 2,363,361

$250,000.00 1,175,000 $200,000.00 842,000 $617,000.00 2,017,000 $0.00 3,487,948 $950,000.00 $250,000.00 $200,000.00 $2,017,000.00

475,000 592,000 1,067,000 3,430,361

$617,000.00 $950,000.00 2,675,635 $2,017,000.00 895,657

96,235 3,667,527 7,155,475

1,464,170 527,200 198,601 2,189,971 5,620,332 $0.00

88%

WHY WE INVEST: Bank of America “As the nation’s largest CDFI lender, Bank of America recognizes the critical role community loan funds like Lowcountry Housing Trust play in revitalizing South Carolina’s economy. $950,000.00 $617,000.00   This $1 million investment, the largest private investment in Lowcountry Housing Trust’s history, will increase the supply of high-quality affordable housing through long-term, lowinterest rate loans for local projects. Our partnership with $617,000.00   Lowcountry Housing Trust is part of Bank of America’s community $250,000.00   development commitment to increase lending and investing in local communities with$200,000.00   an emphasis on affordable housing opportunities in underserved areas.” $250,000.00  

$200,000.00 – Dan Letendre, managing director for Bank of America’s Community Development Financial Institutions, Bank of America

$0.00 2008  

Connecting Communities to Capital: 2012-2013 Annual Report

2008

2009 2009  

2010 2010  

2011

2011 2012  

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AFFORDABLE HOUSING

HEALTHY FOOD

COMMUNITY FACILITY

COMMUNITY BUSINESS

INVESTING IN COMMUNITY LHT partners with local organizations to address their self-identified economic and community development needs. While LHT provides critical financing, its borrowers are on the ground constructing and/or rehabilitating

“What do I want in my community?” “A grocery store, drug store, and gas station...because that’s what I use the most.” “Through partnerships with community based organizations, LHT is able to provide affordable lending products and services which are critical to bringing about positive, long-term social and economic change for the communities we serve” states Michelle Mapp, executive director of LHT. “We provide patient, flexible capital to enable lowwealth communities like the Chicora/Cherokee neighborhood to build their own assets, transform their neighborhood, and join the economic mainstream.”

affordable housing units, healthy food retail outlets, and

“I hope that this will be the beginning of change.”

other community assets. This is the story of one family

Creating positive social change, Metanoia is constructing a community center,

whose neighborhood is being transformed as a result of a partnership between LHT and

something Lisa is anxious to have available to her son. The Youth Enterprise Center

the community-based non-profit, Metanoia.

will fill a gap, offering afterschool, social, and mentoring programs for the youth of

Lisa McLean and granddaughter outside her home

“Homeownership has been a blessing.” When Lisa, a single mother of two, decided to purchase her first home, she turned

the neighborhood. “When the center opens, my son will have a safe environment where he can learn and play.”

to LHT for help. Working through Metanoia, Lisa was connected to LHT’s Homebuyer

“We are here to be a catalyst to other investments in this community”

Assistance Program. Through this program, Lisa realized the small steps she needed to

states Patrick King, LHT lending director. “We recognize that housing is just the

take to position herself financially for homeownership, and the down payment assistance

first piece of the puzzle. We are also here to create jobs and ultimately to help

she received allowed her to realize her dream sooner than she had expected.

create opportunity.”

“Healthy food options are limited.”

Since 2006, LHT has provided 5 loans totaling $403,809 to Metanoia for the construction,

The neighborhood where Lisa bought her home lacks important community assets

acquisition, and rehabilitation of 14 homes. Metanoia is a grassroots organization that

including a grocery store.The closest option for her is five miles away, which makes grocery

invests in neighborhood assets to build leaders, establish quality housing, and generate

shopping difficult, especially for those who lack transportation. While the surrounding

economic development in the Chicora/ Cherokee neighborhood of North Charleston.

streets are lined with fast food restaurants, they are void of healthy alternatives. LHT is

14

currently working with Metanoia, the City of North Charleston, and other community

For more information on our loan programs, please contact Patrick King at

partners to attract a grocery store to the neighborhood.

patrick@lowcountryhousingtrust.org.


GOVERNANCE

Sarah Smith

Waccamaw Regional Council of Governments

Bill Stanfield

Metanoia

Susan Watts

MeadWestvaco

OFFICERS

Steve Wichmann

Heritage Trust Federal Credit Union

Karen Abrams (CHAIR) Keller Williams Realty

Pamela Williams

Santee Cooper

Peggy Huchet

NJ Housing Trust Fund (Retired)

Henrietta Woodward

Anchor Consultant, LLC

Ron Owens

Evening Post Publishing Company

Wendy Zara

Wells Fargo Advisors (Retired)

Kelly Price

ICF International

Tony Woody

Thomas & Hutton Engineering Company

DIRECTORS

HOUSING LOAN COMMITTEE Peggy Huchet (CHAIR) NJ Housing Trust Fund (Retired) Thomas Anderson

SCBT

Thomas Anderson

SCBT

Russ Gantt

TD Bank

Tom Baker

Architectural Associates, LLC

Ashley Heggie

Greystar

Zach Bearden

Mashburn Construction Company

Brian Hellman, Esq.

Hellman Yates & Tisdale

Jim Haley

Cityvolve, LLC

Edward McKelvey

First Federal

Ashley Heggie

Greystar

George Morrison

McNair Law Firm

Jacquelyn Heyward

Town of Hollywood

Michael Wooddy

Raven Cliff Company

Robert Johnston

The InterTech Group, Inc.

Montez Martin

Lowcountry Housing and Economic Development Foundation

Rodly Millet

Human Resources Consultant

Robert Nettles

Howell Linkous & Nettles, LLC

Florence Peters

City of Charleston

Whitney Powers

Studio A, Inc.

Connecting Communities to Capital: 2012-2013 Annual Report

COMMERCIAL LOAN COMMITTEE Zach Bearden (CHAIR) Mashburn Construction Company Jennifer Crabb

The Bank of South Carolina

Thomas Lauria

Small Business Development Center

Alan St. Clair

Lowcountry Innovation Center

Pamela Williams

Santee Cooper 15


AFFORDABLE HOUSING

HEALTHY FOOD

COMMUNITY FACILITY

COMMUNITY BUSINESS

STAFF CHARLESTON OFFICE 1535 Hobby St., Suite 209 North Charleston, SC 29405 Phone: 843-973-7285 Primary Contact: Michelle Mapp info@lowcountryhousingtrust.org BEAUFORT OFFICE 1911 Boundary St. Beaufort, SC 29902 Phone: 843-801-3131 Primary Contact: Shirley Wilkins shirley@lowcountryhousingtrust.org Michelle Mapp Patrick King Suzanne Lynch Debby Waid Alice Williams Anna Hamilton Karen Hauck Shirley Wilkins Debra Crawford 16

Executive Director Assistant Director Finance Director Program Director Accounting Manager Program Manager Communications Director Program Manager Executive Assistant

GEORGETOWN OFFICE 1230 Highmarket St. Georgetown, SC 29440 Phone: 843-737-6153 Primary Contact: Patrick King patrick@lowcountryhousingtrust.org


“If the Charleston region doesn’t successfully address the issues that affect our quality of place and attractiveness to young talent...we will not be able to sustain our current economic success over time in a meaningful way.” – Stephen C. Warner Charleston Regional Development Alliance

Mitchell Silver City of Raleigh


Lowcountry Housing Trust 1535 Hobby St., Suite 209 North Charleston, SC 29405 843-973-7285 www.lowcountryhousingtrust.org

CONNECTING COMMUNITIES TO CAPITAL 2012-2013 Annual Report

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