1 The Tribal Housing Process & Economic Development … Reinvented

2 Blair Gilbert, CEO Gary Johnson December 7, 2016DreamWeaver Homes PBC Gary Johnson Consultant December 7, 2016

3 Our Definition of Factory Manufactured HousingTHE CAVEATS Our Definition of Factory Manufactured Housing (Factory built to Code, Single or Modular design, Placed on a permanent foundation, Cannot be moved) Pricing & Measurements (Pricing and measurements are current at the time of this presentation but subject to fluctuation as a result of design modification and changes in location and marketplace conditions.) Ken Deere – war party We need to begin with a couple of qualification statements. The first is our definition of factory manufactured housing. The homes we’re talking about in this presentation are not moveable. They sit on permanent foundations. These are complete homes, less appliances and HVAC, that are being totally constructed within a factory. This factory can produce single family, single section; single family, modular; or for that matter panels for multi-family or commercial buildings that can be assembled on site. In all cases, the local building codes as they apply to a traditional site build home or building are followed. Next, the pricing we have used was obtained from a variety of sources and in all instances double checked against multiple vendors – however as you know pricing does fluctuate and varies based upon geographical location and that should be taken into consideration. The Tribal Housing Process & Economic Development Reinvented

4 Shortage of Housing Job Opportunities THE CHALLENGESAccording to the 2016 information provided by the US Department of Housing and Urban Development as it relates to the Indian Housing Block Grant program, in total there is a shortage of 271,806 homes which includes 21,545 in Alaska. These numbers do not include shortages in the Hawaiian Islands. The total IHBG funding for 2016 is in excess of $656 million which puts the Title VI program at just over $3 billion. Later you will see that the Title VI money can be used for economic development as long as it is related to housing … and actually the IHBG money can also be used for that purpose. We’d be preaching to the choir if we referenced the employment statistics across Indian Country – we all know how dismal job opportunities are. In the past various enterprises were tried by tribes in an attempt to address the employment challenges, but in most, but not all cases, those situations were short lived for a variety of reasons, not the least of which was the inability to take the various products being produced into the mainstream retail or wholesale marketplace. What we will share here is our belief that if a tribe is able to consume all or a significant amount of the housing produced, along with providing housing to other tribes in close proximity, and also market the products to the non-Indian community, this business model becomes self sustaining. The Tribal Housing Process & Economic Development Reinvented

5 A SOLUTION HOUSING EMPLOYMENT Factory Manufactured & Modular HousingAffordable Quality Sustainable Green (steel frame)[DWH] EMPLOYMENT Up to 316 New Jobs (3 years) What our presentation covers is a tribe or coalition of tribes becoming their own supplier of housing and as a result they will retain profit dollars currently leaving the reservation. These are significant amounts. In addition the tribe will be in control of their own destiny as it relates to price points, product quality and sustainability. This building method will also please Mother Earth by using with steel instead of continuing to destroy the forests. And, the quality of steel versus wood cannot even be compared which Gary Johnson will cover in detail. And with the tribe’s ability to achieve our projected manufacturing levels, a minimum of 316 new jobs can be created - not including those that result from the allied businesses which are needed to support the manufactured housing business. Those include opportunities for transportation companies, installation companies, site preparation companies and more. And as we’ve pointed out these homes aren’t simply for the tribes themselves, in virtually every non-Indian area, those areas in close proximity to the reservation, there are opportunities to market these homes. PRODUCED LOCALLY by Native Americans … for Native Americans (And Others) The Tribal Housing Process & Economic Development Reinvented

6 A PLUS BUILDING WITH STEEL Cold Formed SteelOn-site Creation of Product Ability to Market to Developers Additional Revenue Source We’ll only touch briefly on the many benefits of building with steel at this point and again Gary will go in to greater detail later, however it is important to point out that with the tribe actually doing their own building component creation, on-site, they will experience a rapid response time to any need. And, the plus is that by also creating the steel parts used in building construction they may be able to add an incremental profit center. The studs and track, joists and beams the equipment is capable of producing is always in demand by commercial real estate developers. The Tribal Housing Process & Economic Development Reinvented

7 WHAT ARE THE OPPORTUNITIES?250 2 Acoma 312 45 Cochiti 95 88 Gila River 2,076 96 Havasupai 124 100 Hopi 3,984 102 Hualapai 202 106 Isleta 708 108 Jemez 335 109 Jicarilla 285 110 Kaibab 21 122 Laguna 871 157 Navajo 33,188 178 Pascua Yaqui 1,156 189 Pojoaque 114 214 Salt River 558 217 Santa Ana 72 218 Santa Clara 249 219 Santa Domingo 506 225 San Carlos 1,642 226 San Felipe 384 227 San Ildefonso 127 228 San Juan 66 Southern Ute 744 264 Tohono O'odham 2,087 281 Ute Mountain 317 303 Zia 82 304 Zuni 1,135 Housing Shortage – 51,440 Not All Reservations Are Listed Non-reservation Opportunities Not Listed Moving on, to give you a better idea what we’re talking about, we’ve taken a 250 mile radius around Window Rock, in the heart of Navajo country. Without listing all of the reservations with tribal housing shortages in that area, as you can see the need, just in Indian country, is enormous. And, if we look at the non-Indian sales of manufactured housing in the same area for 2015, there were over 2,500 homes sold. That market is open territory and because those would be incremental to the reservation needs, the tribe could be very price competitive. The Tribal Housing Process & Economic Development Reinvented

8 BENEFITS TRIBALLY OWNED & OPERATED BUSINESS ENTERPRISESTwo separate but related manufacturing businesses, owned by a tribe or coalition of tribes Complete control of business No external oversight or governance (Section 17 Corporation) TOTAL CONTROL ON MANUFACTURING SCHEDULES Production schedules varied to meet demand POTENTIAL OF EXTERNAL SUPPORT AND TRAINING Dependent upon business arrangement(s)[DWH] Depending upon the situation, it might be worthwhile to form a coalition of logistically close tribes. While the initial investment isn’t overwhelming, the housing demand for a single tribe might not be great enough to justify the expenditure. But, by uniting, two or more tribes can spread the costs and increase the market opportunities. Demand is increasing in both the manufactured and modular housing business. Shipments in 2014 increased over 2013 by 6.8%; 2015 showed an increase of 9.6% over 2014; and year to date through September, 2016 numbers were 14.4% higher than the same period in 2015. With a tribe or tribes owning and controlling the housing manufacturing factory they are able to “turn on a dime”, and by doing so they can adjust their scheduled to meet market needs – whether it’s the need of the tribe or of the industry in general. A word of caution though. We’re stating here that the tribe has total control … and they do, IF they structure the business correctly by setting them up as Section 17 corporations. Should you establish the factory as a part of or under the TDHE and they use HUD funds, then HUD’s ONAP group will have direct oversight on how those funds are used. We’re not an expert in this area but you should fully understand just how HUD’s IHBG funding is used. Regarding external support or training there are a couple of ways to enter this business. One is starting from ground zero and seeking out consultants for each aspect of the business … from factory design, to architectural design and all the way through and including the marketing aspects whether those are to other tribes or into the non-reservation marketplace. Another way to enter the business is to give up some ownership and control by creating a joint venture with existing manufacturers which will eliminate any autonomy the tribe could have and could greatly impact many things from scheduling, to hiring and more. And finally there is the option of engaging companies established to work with the tribe in building a business model which the tribe will have total and complete ownership and control over. A company that will be able to provide consultation on any of the many aspects of the business. The Tribal Housing Process & Economic Development Reinvented

9 BENEFITS FULL FLEXIBILITY ON MANUFACTURING DESIGNSDesigns can be adjusted “on the fly” Move from residential to multi-family to commercial and more [DWH] EMPLOYMENT THROUGH JOB CREATION Up to 290 Manufacturing Positions (EoFY3) Up to 26 Administrative/Operational Positions (EoFY3) RETAIN PROFITS FOR FURTHER ECONOMIC DEVELOPMENT Up to $55,000, Net Profit at the End of Fiscal Year 3 So, as we just mentioned, with the tribe in total ownership and control you are able to modify the design and output virtually “at will.” If the demand rapidly shifts from a need for a starter home to providing panels and other components needed in multi-family, it would be the tribe that makes the decision on what the plant is producing at any point. Likewise should the need arise for panels for a commercial building, you will be able to make that change without having to check with any external JV partner. Based upon business models we have developed, if the tribe follows the business plan and maximizes their production they can achieve up to 290 new jobs in the manufacturing arena and up to another 25 positions in the administrative and operational aspects of the business. Again, these additional jobs do not include those that can result from the need for trucking and transportation, site development, housing installation and more. None of that has been taken into consideration in the models we’ve created. Likewise, these business models project the tribe retaining profits up to $55 million. Money that in most cases is currently being given to non-Indian companies. By retaining these profit dollars the tribe will be able to continue to expand and develop the factory manufactured business or even use some of those funds for the acquisition of non-reservation land for tribal member’s housing. By doing that of course, the tribe will be able to take advantage of mortgage programs that will not work on “in trust” land situations. Again, this will enable the tribe to better serve the housing needs of tribal members. The Tribal Housing Process & Economic Development Reinvented

10 ADDITIONAL BENEFITS OTHER RELATED BUSINESS OPPORTUNITIESTrucking Companies Site Preparation Companies Home “Installation” Companies Other Tribe/Reservation Sales Off-reservation Sales Off-reservation Roll-Formed Steel Product Sales We just mentioned incremental employment opportunities that can occur when the tribe has its own factory manufactured housing facility. As you can see there are many potential business situations created by the tribe entering into this business. One additional opportunity we’ve not touched on so far is that of being able to market roll-formed steel products to commercial developers in surrounding non-reservation communities. Since the tribe will be able to produce these products on an incremental basis you will be able to be more than competitive in the marketplace and there’s always a continuing need for steel stud and track by commercial developers. The Tribal Housing Process & Economic Development Reinvented

11 INTANGIBLE BENEFITS IMPROVED SELF-ESTEEM(Created through job security) REDUCED SUBSTANCE ABUSE (A result of increased self worth) LOWER INCIDENTS OF SUICIDE IDEATION & SUICIDE I think it goes without saying that with the tribe creating jobs – new sustainable jobs – you will most definitely find there are many allied pluses. The Tribal Housing Process & Economic Development Reinvented

12 REQUIREMENTS MANUFACTURING PLANT WAREHOUSING OFFICESUp to 100,000 SF for Construction & Assembly Repurpose and Update Shuttered Facilities WAREHOUSING Up to 30,000 SF for Outside Storage of Finished Homes OFFICES Up to 10,000 SF for Administrative, Operational & Sales Option of Sharing Existing Facilities So, what are the real property requirements? First of course is the need for a factory … i.e. a building to house the equipment and the actual construction of the homes. This typically breaks down to a need for up to 100,000 SF of factory. In many instances we’ve noticed there are shuttered facilities on reservations. Buildings that at one time were expected to generate business in one way or another, but for whatever reason these situations didn’t work out. We’ve seen closed carpet mills and the like – almost always businesses that needed off-reservation sales for them to exist, not businesses like housing where the tribes will consume a significant amount of the final product themselves. In addition to the actual building that houses the manufacturing and assembly there is a need for storage of raw materials and finished homes. Finally the need for the administrative, operational and sales groups. Some of these needs may be shared by leveraging other departments in the tribe’s government – if there is that availability of people. The Tribal Housing Process & Economic Development Reinvented

13 REQUIREMENTS HIRING & TRAINING OF EXECTIVE PERSONNELCandidates Need to Have Previous Experience in or Be Trained in the Factory Manufactured Housing Business HIRING & TRAINING OF ADMINISTRATIVE PERSONNEL Candidates With Manufacturing & Cost Accounting Backgrounds Will Have Transferrable Skills HIRING & TRAINING OF SALES PERSONNEL Candidates With Outside, Business-to-Business Sales Experience May Have Transferrable Skills So, now you’ve decided to explore the business opportunity, what’s next. Like any business, there are things leadership must know to make it successful and of course the best education comes from experience. It can be learned, but that’s a tricky situation. If you rely on an outside organization to take you through the process, most times these groups, if you can find them, will look for a substantially long contract period – not to mention unusually high fees. And, quite often you’ll need to engage different organizations for the separate business components … and that’s not always an easy fit. Also, do you really want to engage an employment agency or executive search firm and attempt to educate them about the “culture” while they attempt to blend their corporate history into the uniqueness of doing business in Indian Country. You could also do a JV with an existing company but it’s going to not only cost you in the start-up period, it will continue to cost you throughout the life of the business. Finally you’ve the option of entering into a licensing arrangement with a group that has assembled successful people from the various aspects of the business. Licensing is much like franchising except it doesn’t come with all the strings attached that will govern where you purchase your materials to how much you must charge for the finished product. In a licensing arrangement you have the flexibility to source goods as you see fit and you are also free to market the product at rates competitive in your particular area. It does have however, many of the benefits of a franchise such as national brand advertising and cooperative buying of materials and supplies. All in all, a licensing relationship offers you the greatest flexibility. The Tribal Housing Process & Economic Development Reinvented

14 REQUIREMENTS HIRING & TRAINING OF MANUFACTURING PERSONNELCandidates Need to Have Previous Experience in Production and/or Manufacturing Business (workforce does not need previous experience) HIRING & TRAINING OF SUPPORT PERSONNEL Candidates With General Business Backgrounds In the Specific Disciplines Will Have Transferrable Skills Like the administrative, operational and sales aspects of the two businesses, there’s also the manufacturing side of things. Whether that is on the single family home platform, the multi-family or commercial building side of things or the marketing of cold-rolled steel products. It’s always better to have a group of folks with the technical experience to get you through the start-up period and then when you feel it’s time to cut the umbilical cord, you have the autonomy to do just that. The Tribal Housing Process & Economic Development Reinvented

15 FINANCIAL RESOURCES (ECONOMIC DEVELOPMENT & BUSINESS DEVELOPMENT)U.S. SMALL BUSINESS ADMINISTRATION – Office of Native American Affairs 7(a) Loan Guarantee Program Loan Amount up to $5 million Term of 10 Years U.S. DEPARTMENT OF THE INTERIOR – Office of Indian Energy & Economic Development Indian Loan Guarantee, Insurance & Interest Subsidy Program Unlimited Loan Amount Term of 30 Years So, lets take a couple of minutes to explore the various financing alternatives to put the package together. We’ve assembled just a couple of the many resources available at the federal level. Many more exist at the state level. One of the tribes we’re currently working with has tapped into the state’s economic development programs and feel they will be able to obtain a grant for a portion of the capital requirements. Tried and true is the SBA 7(a) loan program. It can be used to acquire land; start a business; purchase a business; purchase existing buildings; convert, expand or renovate buildings; construct new buildings; acquire and install fixed assets; acquire inventory; purchase supplies and raw materials; leasehold improvements; and, term working capital. The tribe would need 25% of the project amount in matching funds. We’ve met with David Sanborn in the SBA’s WDC office. He is extremely interested in economic development in Indian Country and believes this business concept makes sense. Next we have the Department of the Interior’s Indian Loan Guarantee, Insurance and Interest Subsidy Program. What’s unique about this program is that there isn’t a cap to the loan amount – the sky’s the limit. And for some unknown reason, it seems there’s always money available regardless of the time of the year. These loan proceeds may be used for operating capital, equipment purchases, business acquisition & refinance, building construction & lines of credit. It is available to all federally recognized American Indian tribes, Alaska Native groups, individually enrolled members of such tribes or groups, and business organizations with no less than 51% ownership by American Indians or Alaska Natives. There is a matching funds requirement of 10% of the project amount but they will provide up to 90% loan guarantee or loan insurance with no limitations. Once again, I’ve met with Jack Stevens in the WDC office. Like Dave Sanborn, Jack feels these businesses are a good fit for Indian Country and he’s very interested in working with tribes. The Tribal Housing Process & Economic Development Reinvented

16 FINANCIAL RESOURCES (ECONOMIC DEVELOPMENT & BUSINESS DEVELOPMENT)U.S. DEPARTMENT OF AGRICULTURE – Rural Development Business & Industry Loan Guarantee Program Loan Amount up to $25 million Term of 7 to 30 Years U.S. DEPARTMENT OF HOUSING & URBAN DEVELOPMENT – Office of Native American Programs Title VI Loan Guarantee Program Five Times Annual Indian Housing Block Grant Amount Term of 20 Years The Department of Agriculture, with its Rural Development Business and Industry Loan Guarantee Program goes up to $25 million for loans covering business development, conversion, enlargement repair or modernization; purchase and development of land, easements, rights-of-way, buildings or facilities; purchase of equipment, leasehold improvements, machinery, supplies or inventory. Depending upon the asset class, the term varies from 7 to 30 years. The “matching funds” requirement is 20% of the total program amount. And the last funding source we’re presenting here is through HUD’s Title VI program. Please remember that IHBG funds can also be used for economic development as long as it is directly related to housing. Back to the Title VI portion. That amount, which is a 5 times multiple of the tribes IHBG figure can be used for affordable housing related activity or model activity pursuant to the Native American Housing Assistance and Self-Determination Act of 1996. We’ve been told that funds the tribe receives from rental income can be used for economic development related to housing. Your area ONAP representative can cover all of the details on this, and the IHBG programs for you. The Tribal Housing Process & Economic Development Reinvented

17 FINANCIAL RESOURCES (HOUSING & RESIDENTIAL DEVELOPMENT)U.S. DEPARTMENT OF AGRICULTURE – Rural Development Section 538 Rental Housing Loans Loan Amount up to 97% of Development Cost Term of 25 to 40 Years U.S. DEPARTMENT OF VETERANS AFFAIRS – Native American Direct Loan Programs Native American Direct Loan Up to $417,000 Term of 30 Years Moving on to some of the various sources available for housing – many of you are already familiar with these, but we want to highlight them nonetheless. The Department of Agriculture’s Section 538 rental housing loan program is extremely flexible. It will provide up to 97% of the total development costs in this area. It can be used for construction, improvement and purchase of multi-family rental housing for low to moderate income families and individuals, buying and improving land and providing necessary infrastructure. That’s about as inclusive as you can get. Everything you need to do a beginning to end residential development. Next we’ve the VA’s Native American direct loan program which covers our veterans. The vet must have a valid Certificate of Eligibility and have available entitlement; they must occupy the property as primary residence; and their income must be shown to be stable and sufficient. These loans may be used to finance the purchase, construction or improvement of homes on Federal Trust Land. The Tribal Housing Process & Economic Development Reinvented

18 FINANCIAL RESOURCES (HOUSING & RESIDENTIAL DEVELOPMENT)U.S. DEPARTMENT OF AGRICULTURE – Rural Development Section 502 Direct Loan Program Loan Amount Determined by Local Limits Term of 33 to 38 Years U.S. DEPARTMENT OF HOUSING & URBAN DEVELOPMENT – Office of Native American Programs Section 184 Loan Guarantee Program Loan Amount Determined by Local Limits Term of 30 Years There’s also a second USDA Rural Development loan program. It is the Section 502 program. The maximum loan amount varies depending upon the area. Similar to the VA’s program it is to provide direct home loans to eligible Native American Veterans so they are able to finance the purchase, construct, or improve homes on Federal Trust Land, allotted lands, Alaska Native corporations and Pacific Island territories. This program is unique in that the term can go up to 38 years depending upon the applicant’s ability to pay. Finally there’s HUD’s Section 184 program which I suspect all of you are familiar with. This program has hit some snags recently causing lenders such as Wells Fargo to step back for a time so they can redesign their formats to meet the new requirements. Wells Fargo, like some others have not elected to abandon this type of program but they have put it on a temporary hold. Now, I’ve the privilege of turning this portion over to Gary Johnson. Gary is revered as a visionary in the light gauge steel industry. He owned and operated Innovative Steel Systems which built the largest cold formed steel framed single family housing sub-division in the United States. Gary has supervised or contracted over 14,600 multi family units and 5,400 single family residences. Among other things he consulted on the design and development of cold formed steel manufacturing facilities for Pulte Homes in Detroit, Michigan and Quality Homes of the Pacific in Barbers Point, Hawaii. The Tribal Housing Process & Economic Development Reinvented

19 HOUSING STRUCTURAL SYSTEMSADVANTAGES of STEEL ECOFRIENDLY Preserves Natural Resources (Eliminates Waste) SUPERIOR STRENGTH Highest Strength to Weight Ratio of All Building Systems ECONOMICAL Up to 18% Less Costly Than Other Building Systems (Including Wood) FIRE RESISTANT Will Not Contribute to Spread of Fire The Tribal Housing Process & Economic Development Reinvented

20 HOUSING STRUCTURAL SYSTEMSADVANTAGES of STEEL STRONGER CONNECTIONS Withstands High Wind Forces (Eliminates Waste) DURABILITY Will Not Rot or Decay (Insect and Rodent Resistant) PRECISION CONSTRUCTION TECHNIQUES Does Not Warp, Shrink or Twist (100% Measurement Accuracy and Square) INORGANIC Does Not Emit Gasses, Volatile Compounds or Radon “GREEN BUILDINGS” The Tribal Housing Process & Economic Development Reinvented

21 HOUSING STRUCTURAL SYSTEMSADVANTAGES of STEEL U.S. DEPARTMENT of HOUSING and URBAN DEVELOPMENT The Tribal Housing Process & Economic Development Reinvented

22 HOUSING STRUCTURAL SYSTEMSMAKING STEEL STRUCTURAL PARTS ECONOMICAL The proprietary DreamWeaver Homes™ CAD system provides extensive design choices. Intelligent CAD streamlines engineering, designing and detailing processes while the technologically advanced manufacturing solutions produce cost-effective, lightweight steel framing components quickly and efficiently. The Tribal Housing Process & Economic Development Reinvented

23 MANUFACTURING PROCESSThe Tribal Housing Process & Economic Development Reinvented

24 MANUFACTURING PROCESSThe Tribal Housing Process & Economic Development Reinvented

25 MANUFACTURING PROCESSThe Tribal Housing Process & Economic Development Reinvented

26 PRICING PROJECTIONS (Steel)927 Square Feet (excluding carport) Manufacturing Cost: $21,192 – G&A: $9,937 Suggested Price: $42,308 PROFIT RETAINED by TRIBE $10,753 We’ve taken a couple of generic floor plans and using the pricing formula that we discussed in the beginning of the presentation we are providing our best estimate of what worst case scenarios might look like. To explain “worst case” – in the financial projections portion of our business model, we’ve loaded the expenses with as much as we can. For example, we’ve not planned on any buildings being repurposed nor have we factored in what could be the sharing of human or other resources. Any of those things, if available, would naturally decrease the manufacturing and/or general and administrative costs which would result in increased profit dollars being retained by the tribe. So here are some examples. This is a 927 SF cape code model, and as you can see, it looks just like any other home. Remember that in our examples, we’re factoring in steel infrastructures. The studs and tracks, the joists and the roof beams are all steel. Everything else in the structure is standard construction grade. This home measures 24’ x 48’ and has the normal 8’ ceiling. The Tribal Housing Process & Economic Development Reinvented

27 PRICING PROJECTIONS (Steel)1,008 Square Feet Manufacturing Cost: $23,880 – G&A: $10,977 Suggested Price: $46,735 PROFIT RETAINED by TRIBE $11,878 This home, a 3 bedroom, has a footprint of 28’ x 36.5’ and like the previous example appliances and HVAC are not included in the calculations. The Tribal Housing Process & Economic Development Reinvented

28 PRICING PROJECTIONS (Steel)1,197 Square Feet Manufacturing Cost: $27,914 – G&A: $12,832 Suggested Price: $54,631 PROFIT RETAINED by TRIBE $13,885 And simply for another look at slightly larger home you’ll see that all the figures have increased incrementally. The Tribal Housing Process & Economic Development Reinvented

29 PROJECTED INVESTMENT (Steel)CAPITAL REQUIREMENTS Initial Capital Investment $1,500,000 Second Funding Round (Month 6) $1,500,000 Third Funding Round (Month 10) $1,250,000 Fourth Funding Round (Month 13) $1,750,000 $6,000,000 CASH FLOW POSITIVE – MONTH 18 So, here’s the bottom line … according to our business model., but regardless … but again, this is worst case scenario – Funding is staged over a 13 month period. These numbers are all inclusive. They cover facilities costs, equipment costs, training costs, virtually every thing you could imagine. In this business model it is one year before the first manufactured home comes off of the assembly line. However please take into consideration theses time lines can conceivably be shortened somewhat if the tribe has facilities that can be retrofitted for example. And in this model, as you can see the business is cash flow positive in month 18. I’d expect you’ll find other options using a wood base factory. The Tribal Housing Process & Economic Development Reinvented

30 PROJECTED RETURN on INVESTMENT (Steel)PROJECTED NET PROFIT – END of YEAR TWO (All Investment Capital Retired) $11,650,000 Then only six months later the entire initial investment is retired and there is a net profit. So in closing, we again need to make it clear that each and every situation will be somewhat different depending upon existing assets and upon the marketing and sales efforts of the tribe. We’ll be happy to share more details on the business model with you and in fact we’ll even work with you to fine tune the financial projections to meet your specific situation so that we’ve eliminated as much of the assumptive data as is possible. Likewise if you would like information on the loan contacts for the various financing programs we’ll be happy to share that with you as well. The Tribal Housing Process & Economic Development Reinvented

31 Gary Johnson, ConsultantPRESENTERS Blair Gilbert, CEO DreamWeaver Homes PBC (800) Gary Johnson, Consultant DreamWeaver Homes PBC (209) The Tribal Housing Process & Economic Development Reinvented