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<body lang=3DEN-US link=3Dblue vlink=3Dpurple style=3D'tab-interval:.5in;te=
xt-justify-trim:
punctuation'>

<div class=3DSection1>

<p class=3DMsoNormal align=3Dcenter style=3D'text-align:center'><span
style=3D'font-size:12.0pt'><o:p>&nbsp;</o:p></span></p>

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</v:rect><a name=3DQuickMark></a><span style=3D'font-size:12.0pt'><o:p></o:=
p></span></p>

<p class=3DMsoNormal align=3Dcenter style=3D'text-align:center'><span
style=3D'font-size:12.0pt'><o:p>&nbsp;</o:p></span></p>

<p class=3DMsoNormal align=3Dcenter style=3D'text-align:center'><span
style=3D'font-size:12.0pt'><o:p>&nbsp;</o:p></span></p>

<p class=3DMsoNormal align=3Dcenter style=3D'text-align:center'><!--[if sup=
portFields]><b><span
style=3D'font-size:12.0pt'><span style=3D'mso-element:field-begin'></span>A=
DVANCE
\d3</span></b><![endif]--><!--[if supportFields]><b><span style=3D'font-siz=
e:
12.0pt'><span style=3D'mso-element:field-end'></span></span></b><![endif]--=
><b><span
style=3D'font-size:12.0pt'>STATE OF <st1:State w:st=3D"on"><st1:place w:st=
=3D"on">MISSISSIPPI</st1:place></st1:State><o:p></o:p></span></b></p>

<p class=3DMsoNormal align=3Dcenter style=3D'text-align:center'><span
style=3D'font-size:8.0pt'>HALEY BARBOUR, GOVERNOR<o:p></o:p></span></p>

<p class=3DMsoNormal align=3Dcenter style=3D'text-align:center'><st1:place =
w:st=3D"on"><st1:State
 w:st=3D"on"><b><span style=3D'font-size:12.0pt'>MISSISSIPPI</span></b></st=
1:State></st1:place><b><span
style=3D'font-size:12.0pt'> DEVELOPMENT AUTHORITY<o:p></o:p></span></b></p>

<p class=3DMsoNormal align=3Dcenter style=3D'text-align:center'><b><span
style=3D'mso-bidi-font-size:10.0pt'>Gray Swoope<o:p></o:p></span></b></p>

<p class=3DMsoNormal align=3Dcenter style=3D'text-align:center'><span
style=3D'font-size:8.0pt'>EXECUTIVE DIRECTOR<o:p></o:p></span></p>

<div class=3DMsoBodyText align=3Dcenter style=3D'text-align:center'><span
style=3D'mso-bidi-font-size:12.0pt'>

<hr size=3D2 width=3D"100%" noshade style=3D'color:black' align=3Dcenter>

</span></div>

<p class=3DMsoBodyText><span style=3D'mso-bidi-font-size:12.0pt'><o:p>&nbsp=
;</o:p></span></p>

<p class=3DMsoNormal align=3Dcenter style=3D'text-align:center'><b><span
style=3D'font-size:12.0pt;font-family:"Franklin Gothic Medium","sans-serif";
mso-bidi-font-family:Tahoma'>LONG TERM WORKFORCE HOUSING MEMORANDUM <o:p></=
o:p></span></b></p>

<p class=3DMsoHeader align=3Dcenter style=3D'text-align:center;tab-stops:.5=
in'><span
style=3D'font-size:12.0pt;font-family:"Franklin Gothic Medium","sans-serif";
mso-bidi-font-family:Tahoma'><o:p>&nbsp;</o:p></span></p>

<p class=3DMsoNormal align=3Dcenter style=3D'text-align:center'><b><span
style=3D'font-size:12.0pt;font-family:"Franklin Gothic Medium","sans-serif";
mso-bidi-font-family:Tahoma'>DATE: </span></b><span style=3D'font-size:12.0=
pt;
font-family:"Franklin Gothic Medium","sans-serif";mso-bidi-font-family:Taho=
ma'><span
style=3D'mso-spacerun:yes'> </span>April 16, 2010<o:p></o:p></span></p>

<h4 align=3Dcenter style=3D'text-align:center'><span style=3D'font-size:12.=
0pt;
font-family:"Franklin Gothic Medium","sans-serif"'>SUBJECT: Clarification on
Means Testing<o:p></o:p></span></h4>

<div style=3D'mso-element:para-border-div;border:none;border-bottom:solid w=
indowtext 1.0pt;
mso-border-bottom-alt:solid windowtext .75pt;padding:0in 0in 1.0pt 0in'>

<p class=3DMsoNormal style=3D'tab-stops:.5in 1.0in 1.5in 2.0in 2.5in center=
 3.25in;
border:none;mso-border-bottom-alt:solid windowtext .75pt;padding:0in;
mso-padding-alt:0in 0in 1.0pt 0in'><span style=3D'font-size:12.0pt;font-fam=
ily:
"Franklin Gothic Medium","sans-serif";mso-bidi-font-family:Tahoma'><o:p>&nb=
sp;</o:p></span></p>

</div>

<p class=3DMsoBodyText><span style=3D'mso-bidi-font-size:12.0pt'><o:p>&nbsp=
;</o:p></span></p>

<p class=3DMsoListParagraphCxSpFirst style=3D'tab-stops:0in .5in 1.0in'><b
style=3D'mso-bidi-font-weight:normal'><o:p>&nbsp;</o:p></b></p>

<p class=3DMsoListParagraphCxSpMiddle style=3D'text-align:justify;text-inde=
nt:-.5in;
mso-outline-level:1'><b><span style=3D'font-family:"Franklin Gothic Medium"=
,"sans-serif"'>I.<span
style=3D'mso-tab-count:1'>        </span>BACKGROUND:<span
style=3D'mso-spacerun:yes'>  </span></span></b><span style=3D'font-family:"=
Franklin Gothic Medium","sans-serif";
mso-bidi-font-weight:bold'>The MDA Disaster Recovery Division (DRD) request=
ed a
blanket determination from HUD regarding duplication of benefits under the
Stafford Act.<span style=3D'mso-spacerun:yes'>  </span>HUD would not negate=
 any
duplication of benefits provision required by the Stafford Act but did
state:<span style=3D'mso-spacerun:yes'>  </span>“There is no prohibition on
providing additional assistance in cases in which the initial assistance was
insufficient to meet a household’s disaster recovery housing needs.”<span
style=3D'mso-spacerun:yes'>  </span>Accordingly, MDA has allowed for Means
Testing to determine if an applicant has unmet needs.<o:p></o:p></span></p>

<p class=3DMsoListParagraphCxSpMiddle style=3D'text-align:justify;text-inde=
nt:-.5in;
mso-outline-level:1'><span style=3D'font-family:"Franklin Gothic Medium","s=
ans-serif";
mso-bidi-font-weight:bold'><o:p>&nbsp;</o:p></span></p>

<p class=3DMsoListParagraphCxSpMiddle style=3D'text-align:justify;mso-outli=
ne-level:
1'><span style=3D'font-family:"Franklin Gothic Medium","sans-serif";mso-bid=
i-font-weight:
bold'>Sub-recipients of the Long Term Workforce Recovery Housing (LTWH) Pro=
gram
have experienced difficulty in interpreting the provisions of the Means Tes=
ting
Policy issued by MDA on November 11, 2009, and have asked for clarification=
.<o:p></o:p></span></p>

<p class=3DMsoListParagraphCxSpMiddle style=3D'text-align:justify;text-inde=
nt:-.5in;
mso-outline-level:1'><span style=3D'font-family:"Franklin Gothic Medium","s=
ans-serif"'><o:p>&nbsp;</o:p></span></p>

<p class=3DMsoListParagraphCxSpMiddle style=3D'margin-left:0in;mso-add-spac=
e:auto;
text-align:justify;mso-outline-level:1'><span style=3D'font-family:"Times N=
ew Roman","serif"'><o:p>&nbsp;</o:p></span></p>

<p class=3DMsoListParagraphCxSpMiddle style=3D'margin-left:0in;mso-add-spac=
e:auto;
text-align:justify;mso-outline-level:1'><b style=3D'mso-bidi-font-weight:no=
rmal'><span
style=3D'font-family:"Franklin Gothic Medium","sans-serif"'>II.<span
style=3D'mso-tab-count:1'>       </span>POLICY CLARIFICATION:<o:p></o:p></s=
pan></b></p>

<p class=3DMsoListParagraphCxSpMiddle style=3D'margin-left:0in;mso-add-spac=
e:auto;
text-align:justify;mso-outline-level:1'><b style=3D'mso-bidi-font-weight:no=
rmal'><span
style=3D'font-family:"Franklin Gothic Medium","sans-serif"'><o:p>&nbsp;</o:=
p></span></b></p>

<p class=3DMsoListParagraphCxSpMiddle style=3D'margin-left:1.0in;mso-add-sp=
ace:
auto;text-align:justify;text-indent:-.5in'><b style=3D'mso-bidi-font-weight=
:normal'><span
style=3D'font-family:"Franklin Gothic Medium","sans-serif"'>A.<span
style=3D'mso-tab-count:1'>       </span></span></b><span style=3D'font-fami=
ly:"Franklin Gothic Medium","sans-serif"'>A
sub-recipient may choose not to use a Means Test; however, all sub-recipien=
ts
of LTWH funds that choose to use Means Testing shall develop a policy as pa=
rt
of an <u>appeal</u> process.<o:p></o:p></span></p>

<p class=3DMsoListParagraphCxSpMiddle style=3D'margin-left:1.0in;mso-add-sp=
ace:
auto;text-indent:-.5in'><span style=3D'font-family:"Franklin Gothic Medium"=
,"sans-serif"'><o:p>&nbsp;</o:p></span></p>

<p class=3DMsoListParagraphCxSpMiddle style=3D'margin-left:1.0in;mso-add-sp=
ace:
auto;text-align:justify;text-indent:-.5in'><b style=3D'mso-bidi-font-weight=
:normal'><span
style=3D'font-family:"Franklin Gothic Medium","sans-serif"'>B.<span
style=3D'mso-tab-count:1'>       </span></span></b><span style=3D'font-fami=
ly:"Franklin Gothic Medium","sans-serif"'>The
appeal process should be <u>initiated by the client</u> once a Duplication =
of
Benefits determination is received that would prohibit the client from
receiving additional disaster recovery funding.<o:p></o:p></span></p>

<p class=3DMsoListParagraphCxSpMiddle style=3D'margin-left:1.0in;mso-add-sp=
ace:
auto;text-indent:-.5in'><b style=3D'mso-bidi-font-weight:normal'><span
style=3D'font-family:"Franklin Gothic Medium","sans-serif"'><o:p>&nbsp;</o:=
p></span></b></p>

<p class=3DMsoListParagraphCxSpMiddle style=3D'margin-left:1.0in;mso-add-sp=
ace:
auto;text-align:justify;text-indent:-.5in'><b style=3D'mso-bidi-font-weight=
:normal'><span
style=3D'font-family:"Franklin Gothic Medium","sans-serif"'>C.<span
style=3D'mso-tab-count:1'>       </span></span></b><span style=3D'font-fami=
ly:"Franklin Gothic Medium","sans-serif"'>When
performing a Duplication of Benefits (DoB) check, MDA (Horne) only considers
the amounts received from FEMA for <b style=3D'mso-bidi-font-weight:normal'=
>housing
assistance, home replacement and home repair</b>.<span
style=3D'mso-spacerun:yes'>  </span>Assistance provided for personal proper=
ty,
transportation, medical expenses, rental assistance and other expenses are =
not
considered in the DoB check.<span style=3D'mso-spacerun:yes'>  </span>There=
fore, <u>a
sub-recipient’s Means Testing policy cannot subtract expenses for personal
property, transportation, medical expenses, rental assistance or other expe=
nses
from the DoB amount reported by Horne when computing the amount of an unmet
need for housing.<o:p></o:p></u></span></p>

<p class=3DMsoListParagraphCxSpMiddle style=3D'margin-left:1.0in;mso-add-sp=
ace:
auto;text-align:justify;text-indent:-.5in'><b style=3D'mso-bidi-font-weight=
:normal'><u><span
style=3D'font-family:"Franklin Gothic Medium","sans-serif"'><o:p><span
 style=3D'text-decoration:none'>&nbsp;</span></o:p></span></u></b></p>

<p class=3DMsoListParagraphCxSpMiddle style=3D'margin-left:1.0in;mso-add-sp=
ace:
auto;text-align:justify;text-indent:-.5in'><b style=3D'mso-bidi-font-weight=
:normal'><span
style=3D'font-family:"Franklin Gothic Medium","sans-serif"'>D.<span
style=3D'mso-tab-count:1'>       </span></span></b><span style=3D'font-fami=
ly:"Franklin Gothic Medium","sans-serif"'>All
assistance provided for housing, such as insurance, HAP, SBA or FEMA funds =
(for
housing) must be accounted for and the uses documented to determine if an
applicant has unmet needs.<span style=3D'mso-spacerun:yes'>  </span>All pre=
vious
disaster assistance received for housing and housing related expenses must =
have
been used for housing. </span><span style=3D'font-family:"Franklin Gothic M=
edium","sans-serif";
mso-bidi-font-family:AGaramondPro-BoldItalic;mso-bidi-font-weight:bold;
mso-bidi-font-style:italic'>Previous benefits for housing that were utilized
for other than housing needs cannot be replaced with CDBG funds.<o:p></o:p>=
</span></p>

<p class=3DMsoListParagraphCxSpMiddle style=3D'margin-left:1.0in;mso-add-sp=
ace:
auto;text-align:justify;text-indent:-.5in'><b style=3D'mso-bidi-font-weight=
:normal'><u><span
style=3D'font-family:"Franklin Gothic Medium","sans-serif"'><o:p><span
 style=3D'text-decoration:none'>&nbsp;</span></o:p></span></u></b></p>

<p class=3DMsoListParagraphCxSpMiddle style=3D'margin-left:1.0in;mso-add-sp=
ace:
auto;text-align:justify;text-indent:-.5in'><b><span style=3D'font-family:"F=
ranklin Gothic Medium","sans-serif";
mso-bidi-font-family:AGaramondPro-BoldItalic;mso-bidi-font-style:italic'>E.=
<span
style=3D'mso-tab-count:1'>       </span></span></b><span style=3D'font-fami=
ly:"Franklin Gothic Medium","sans-serif";
mso-bidi-font-family:AGaramondPro-BoldItalic;mso-bidi-font-weight:bold;
mso-bidi-font-style:italic'>All assets, including those disposed of within =
the
previous six months for less than fair market value, must be considered in =
the
Means Test analysis.</span><b style=3D'mso-bidi-font-weight:normal'><u><span
style=3D'font-family:"Franklin Gothic Medium","sans-serif"'><o:p></o:p></sp=
an></u></b></p>

<p class=3DMsoListParagraphCxSpMiddle style=3D'margin-left:1.0in;mso-add-sp=
ace:
auto;text-indent:-.5in'><b style=3D'mso-bidi-font-weight:normal'><span
style=3D'font-family:"Franklin Gothic Medium","sans-serif"'><o:p>&nbsp;</o:=
p></span></b></p>

<p class=3DMsoListParagraphCxSpMiddle style=3D'margin-left:0in;mso-add-spac=
e:auto;
text-align:justify;mso-outline-level:1'><b style=3D'mso-bidi-font-weight:no=
rmal'><span
style=3D'font-family:"Franklin Gothic Medium","sans-serif"'><o:p>&nbsp;</o:=
p></span></b></p>

<p class=3DMsoListParagraphCxSpMiddle style=3D'margin-left:0in;mso-add-spac=
e:auto;
text-align:justify;mso-outline-level:1'><b style=3D'mso-bidi-font-weight:no=
rmal'><span
style=3D'font-family:"Franklin Gothic Medium","sans-serif"'>III.<span
style=3D'mso-tab-count:1'>      </span>REQUIRED ACTIONS:<span
style=3D'mso-spacerun:yes'>  </span></span></b><span style=3D'font-family:"=
Franklin Gothic Medium","sans-serif"'>All
sub-recipients of LTWH funds that choose to implement means testing must ad=
here
to this policy, must disseminate the policy to all appropriate staff, and m=
ust
maintain the policy on file for future reference.<o:p></o:p></span></p>

<p class=3DMsoListParagraphCxSpMiddle style=3D'margin-left:0in;mso-add-spac=
e:auto;
text-align:justify;mso-outline-level:1'><b style=3D'mso-bidi-font-weight:no=
rmal'><span
style=3D'font-family:"Franklin Gothic Medium","sans-serif"'><o:p>&nbsp;</o:=
p></span></b></p>

<p class=3DMsoListParagraphCxSpMiddle style=3D'margin-left:0in;mso-add-spac=
e:auto;
text-align:justify;mso-outline-level:1'><b style=3D'mso-bidi-font-weight:no=
rmal'><span
style=3D'font-family:"Franklin Gothic Medium","sans-serif"'>IV.<span
style=3D'mso-tab-count:1'>      </span>CONTACT:<span style=3D'mso-spacerun:=
yes'> 
</span></span></b><span style=3D'font-family:"Franklin Gothic Medium","sans=
-serif"'>Questions
concerning this policy should be addressed to Lynn Seals, Program Manager, =
at
601-359-2905.<o:p></o:p></span></p>

<p class=3DMsoListParagraphCxSpLast style=3D'margin-left:.75in;mso-add-spac=
e:auto'><b><span
style=3D'font-family:"Franklin Gothic Medium","sans-serif"'><o:p>&nbsp;</o:=
p></span></b></p>

<p class=3DMsoNormal style=3D'margin-left:.5in;text-indent:-.5in'><b><span
style=3D'font-size:12.0pt'><o:p>&nbsp;</o:p></span></b></p>

<h1><span style=3D'mso-bidi-font-size:12.0pt'><o:p>&nbsp;</o:p></span></h1>

<p class=3DMsoNormal><span style=3D'font-size:12.0pt'><o:p>&nbsp;</o:p></sp=
an></p>

</div>

</body>

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<p class=3DMsoHeader><span style=3D'font-family:"Franklin Gothic Medium","s=
ans-serif"'>LTWH
Clarification on Means Testing<o:p></o:p></span></p>

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ans-serif"'>Page
</span><!--[if supportFields]><span style=3D'font-family:"Franklin Gothic M=
edium","sans-serif"'><span
style=3D'mso-element:field-begin'></span><span
style=3D'mso-spacerun:yes'> </span>PAGE <span style=3D'mso-element:field-se=
parator'></span></span><![endif]--><span
style=3D'font-family:"Franklin Gothic Medium","sans-serif"'><span
style=3D'mso-no-proof:yes'>2</span></span><!--[if supportFields]><span
style=3D'font-family:"Franklin Gothic Medium","sans-serif"'><span
style=3D'mso-element:field-end'></span></span><![endif]--><span style=3D'fo=
nt-family:
"Franklin Gothic Medium","sans-serif"'> of </span><!--[if supportFields]><s=
pan
style=3D'font-family:"Franklin Gothic Medium","sans-serif"'><span
style=3D'mso-element:field-begin'></span><span
style=3D'mso-spacerun:yes'> </span>NUMPAGES<span style=3D'mso-spacerun:yes'=
> 
</span><span style=3D'mso-element:field-separator'></span></span><![endif]-=
-><span
style=3D'font-family:"Franklin Gothic Medium","sans-serif"'><span
style=3D'mso-no-proof:yes'>2</span></span><!--[if supportFields]><span
style=3D'font-family:"Franklin Gothic Medium","sans-serif"'><span
style=3D'mso-element:field-end'></span></span><![endif]--></p>

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