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Ms. Akiyama: She'll review the application based on the eligibility requirements <br /> and make a recommendation to the office manager who runs the <br /> office and she would make the final approval. <br /> Mr. Adams: The manager would? <br /> Ms. Akiyama: The manager. <br /> Mr. Adams: Okay. And you have no connection with that process...that <br /> approval process...you don't see these applications after you've <br /> handed them out? <br /> Ms. DeCoito: No. <br /> Mr. Adams: Do you have any connection with your father's business? <br /> Ms. DeCoito: No. <br /> Mr. Adams: Not a shareholder...you don't do any work on the <br /> weekends...nothing like that? <br /> Ms. DeCoito: Not at all. <br /> Mr. Adams: Okay. Thank you. <br /> Ms. DeCoito: Thank you. <br /> Mr. Robinson: I'm interested in this program...the RERP program. What's the <br /> level of loans that you normally make? <br /> Ms. Akiyama: The largest amount of loan that we can make is up to $25,000. <br /> Mr. Robinson: $25,000...and that's really just a repair older homes that... <br /> Ms. Akiyama: Replace old gas tanks...do roof repairs...we find a lot of roof <br /> repairs...from time to time because they're older homes...there is <br /> lead based paint mitigation that we have to do...fix a <br /> window...door jams...a wide range. <br /> Mr. Robinson: So these aren't grants...these are loans. <br /> Ms. Akiyama: These are loans. <br /> Mr. Robinson: They have to pay them back. <br /> Ms. Akiyama: They have to pay them back. <br /> 10 <br />