COMMUNITY BLUEPRINT:
CCLF’S NEWSLETTER OF COMMUNITY DEVELOPMENT PROJECTS, ISSUES & FEATURES 4th Quarter/2013
A Message from our President
Happy New Year! We hope you will enjoy reading this issue of Community Blueprint as it captures CCLF’s impact in the fourth quarter of 2013 and celebrates the year overall. 2013 was a WATERSHED year for CCLF! Through our Community Lending and Gateway to Community Development Technical Assistance Programs, we supported the vision of more customers than ever! Our lending and technical assistance teams helped CCLF invest in the creation or retention of nearly 400 affordable residences and 200 jobs and rolled up their sleeves to advance commercial-retail developments that will bring new merchants, restaurants and healthy foods to long-ignored retail corridors. Our customers gave us the honor of helping them make 26 Chicagoland communities from the Austin neighborhood to Aurora, Illinois a little bit healthier, more dynamic and capable of attracting additional commerce. Because we are completely committed to helping create communities where people thrive, with the support of our 76 investors, we extended 37 new loans totaling nearly $19 million. Not only is this a new high watermark for CCLF, but it is more lending in one year than we provided in the five years, combined, leading into the Great Recession. We have no doubt that our investment in new alliances and partnerships; talented staff and more robust operating systems; and our elevated outreach are paying off! We will not rest. With unemployment in Englewood at 21%; foreclosure filings in Harvey, Illinois at 27%; small businesses struggling in Little Village; property values in many low-wealth Chicagoland communities stuck at 1990s levels; and wages for most Americans stagnant; we are more focused than ever on working to provide our customers with flexible, easy-to-access capital and practical technical assistance that they can use to continue retaining and creating jobs for local residents, commercial spaces for more and better goods and services and high quality, energy efficient housing to empower the lives of lower wealth families and individuals. Moreover, we acknowledge that our loan volume is increasing, in part, because conventional credit markets are tighter in the wake of the recession, as is the case for many CDFIs across the country. Thus, we cannot promise our communities that we will exceed our 2013 loan volume this year, however, with our very strong pipeline of loans, we want our partners to know that we are certainly going to try! On a personal note, I thank each of you who called, emailed, texted or sent a card to me — or gave me a hug at a meeting or on the street — regarding the loss of my father in December. I was very close to him; admired him greatly; and enjoyed his wisdom and company immensely. Please know how much your compassion is carrying me through this very difficult time. I now know that it takes a village to keep a man standing. Leroy Holmes 1942-2013
Thank you! Calvin L. Holmes, President
In This Issue • A Message from our President • CCLF and WHPFCDC Awarded PIP Grant • Wintrust Becomes Top Investor in CCLF • CCLF Co-Sponsors Workshop on Financing Worker Cooperatives • Calvin L. Holmes in American Banker • Joy is Back • New Social Enterprise Creates Circle of Healthy Living and Giving Back • CCLF Awarded Improved CARS Rating • CCLF Awarded Taproot Foundation Grant • CCLF Holds Small Contractor Bridge Workshop • CCLF Noteworthy • Board of Directors • CCLF Staff • 2014 Workshop Calendar
Wintrust Becomes Top Investor in CCLF Wintrust Financial Corporation became CCLF’s top investor, reaching $5 million in investments during 2013. The funds, coming from several of Wintrust community banks, will be used to lend to community development corporations and for-profit organizations producing social impact such as creating affordable housing in low-income neighborhoods across Chicagoland.
CCLF and WHPFCDC Awarded $250,000 for Partners in Progress One of 13 Organizations Selected by the Citi Foundation and Low Income Investment Fund to Advance the Community “Quarterback” Model Chicago Community Loan Fund (CCLF) and West Humboldt Park Family and Community Development Council (WHPFCDC) will collectively receive $250,000 in Citi Foundation funding to increase economic progress in West Humboldt Park as part of the Partners in Progress (PIP) initiative launched today in New York City. The initiative, backed by the Citi Foundation and the Low Income Investment Fund (LIIF), aims to advance the “quarterback” model of community development by building the capacity of trusted organizations that align objectives, resources, and efforts among local stakeholders to create strong, resilient neighborhoods and paths to economic opportunity. Under the one-year grant, CCLF and WHPFCDC will serve as co-quarterbacks to implement a planning process that will leverage existing and new data and develop an actionable, consolidated people- and placed-based plan to transform a section of West Chicago Avenue between Kedzie (3200 W) and Central Park (3600 W) into a vibrant, attractive, inviting and safe neighborhood retail district replete with more and better goods and services and jobs. “As a grant recipient, WHPFCDC will be able to continue its’ work in the revitalization of the commercial corridor between Kedzie and Pulaski. A critical component of this work is developing collaborations that will translate into retail attraction, retention and eventual employment opportunities. Further, these collaborations will enable the organization to leverage opportunities that would otherwise not be available to the community,” said Chet Jackson President of WHPFCDC who was in New York City to receive the award and participate in kickoff events with the Citi Foundation and LIIF leadership. Through PIP, CCLF/WHPFCDC and the other grantees will be able to initiate or deepen their efforts to become community quarterbacks. In this role, they will lead the development or expansion of local stakeholder networks to improve places—the physical environment of a community including housing, transit, and safety— and create opportunities for people— such as jobs, child development, education, and health. PIP funding will enable grantees to engage and align an expanded range of partners, share knowledge, and use data to drive project design. In addition, grantees will participate in a learning community that will include coaching and skill building. “Recognizing that there is no ‘one size fits all’ solution to improving economic opportunity, we know the quarterback model works to align smart approaches with smart financing,” said Nancy O. Andrews, President and CEO of LIIF. “The Partners in Progress initiative is focused on identifying and supporting organizations that have the credibility and potential to be local community development champions,” said Pamela Flaherty, President & CEO of the Citi Foundation. The impetus behind the PIP initiative came from Investing in What Works for America’s Communities, a book LIIF co-published in 2012 with the Federal Reserve Bank of San Francisco, which asserts that flexible and dynamic community quarterbacks could transform local community development efforts that are often fragmented and duplicative. The Citi Foundation supported LIIF’s work on the original book, and the PIP initiative now aims to advance the community quarterback model in across the nation.
CCLF President, Calvin L. Holmes exclaimed, “We take very seriously this responsibility given to us by Citi Foundation and LIIF as the only Partners in Progress project in the Midwest. Pictured: David Masters Both lead recipients are grateful and intensely committed to being very successful in this and Teresa Handley of Win- program!” trust Financial Corporation. To learn more about the PIP program, visit www.partnersinprogressproject.org.
CCLF Co-Sponsors Workshop on Financing Worker Cooperatives Article and images courtesy of the Wisconsin Citizens Media Cooperative The Chicago Community Loan Fund (CCLF), the Center for Workplace Democracy (CWD) and the Federal Reserve Bank of Chicago sponsored a workshop on financing worker cooperatives on October 28, 2013. Held at the Fed in downtown Chicago, the program featured worker cooperative leaders and coop financing consultants. Several dozen people attended the program designed to educate bankers, lenders and community development professionals about the unique qualities and characteristics of workerowned and operated businesses. Marva Williams of the Federal Reserve and Mark Fick of CCLF and CWD welcomed participants and discussed the values and advantages of worker coop businesses in communities: Workplaces that are meaningful and empowering, enterprises that anchor jobs and dollars in the community, wealth building for members, leadership development opportunities, and employment stability. A veteran coop developer who led the Northcountry Cooperative Development Fund for many years, Margaret Lund kicked off the program saying, “I’m here to put lenders at ease about working with coops. I love coops – they are sound businesses who pay off their loans.” CCLF’s Mark Fick
Lund said that the strengths of coops relative to other forms of businesses have to do with their values and their by-laws that embody high levels of accountability both internally to their members, and externally to their customers and their community. She also pointed out that cooperation among coops, strong customer loyalty and national and regional support organizations tend to strengthen their business position. “Has anyone heard about cooperation among small business competitors? I don’t think so,” said Lund, adding, “Coops are not alone. This makes conditions for coops superior to entrepreneurial businesses.” She suggested that loan officers and underwriters consider these strong institutional relationships, together with future business contracts with customers, as proxies for commitments to the business in lieu of personal guarantees, which can be problematic in a coop where each member has an equal ownership share and an equal vote. ... Victor Cortes of Salsedo Press, a worker cooperative printing com- Victor Cortes of Salsedo pany in Chicago, and Rebecca Kemble of Union Cab of Madison, Press, a CCLF borrower Wisconsin also addressed the group. They discussed the joys and and the printer of this challenges of being a worker-owner in a democratically run businewsletter ness, as well as the importance that values and mission have in their coops. Since maximization of financial profit is not the driving force in worker coops, business decisions are made according to the needs and values determined by the members. Cortes noted that worker participation in decision-making processes leads to long, sometimes difficult meetings, but the resulting benefits to the coop are worth it. “The more we know about the business the better decisions we make,” he said. ... G. Sequane Lawrence, Board Member of the Center for Workplace Democracy, closed the session by thanking the attendees and announcing that the U.S. Federation for Worker Cooperative biennial conference will be held in Chicago next year.
Calvin L. Holmes in American Banker Calvin L. Holmes was featured in American Banker Magazine sharing his thoughts on the banking industry’s role in supporting and utilizing Community Development Financial Institutions and his role on the U.S. Treasury’s Community Development Advisory Board. American Banker is the leading information resource serving the banking and financial services community.
Joy is Back CCLF is fortunate to have Joy Aruguete, Executive Director of Bickerdike, as a presenter for our Project Readiness Workshop. Joy was on leave and has returned with new energy and the same resolve to share her knowledge with others. “It was great to see Joy whom I worked with and was a nonprofit fellow with over 20 years ago.... excellent seminar!” said participant Otis Monroe from the Monroe Foundation. CCLF’s Project Readiness Workshop offers a oneday primer on affordable housing development for community practitioners covering everything from mission match to multifamily feasibility formulas and budgets. Registration is now open for CCLF’s next Project Readiness Workshop, which will take place on March 11, 2014.
CCLF Awarded Taproot Foundation Grant Taproot Foundation awarded Chicago Community Loan Fund the Salesforce Database Service Grant with an estimated market value of $60,000 sponsored by JP Morgan Chase. A five member pro bono team, led by Paul Murray, will customize a Salesforce Database that will consolidate different data sources into one powerful customer relationship management system, building CCLF’s capacity to be more efficient and responsive to stakeholder’s needs. Taproot Foundation’s mission is to lead, mobilize and engage professionals in pro bono service that drives social change. Learn more about Taproot at http://www. taprootfoundation.org/
CCLF Awarded Improved CARS Rating This year, CCLF’s CARS rating was updated. CARS is an independent ratings service for community development financial institutions. CCLF’s former rating was A 3, and our new rating is AA 2, which reflects improved impact performance and financial strength.
New Social Enterprise Creates Circle of Healthy Living and Giving Back Fast and other processed foods are often chosen because they are convenient; however, these foods can lead to detrimental health effects such as diabetes and a hardening of the arteries. Veg Head, a new business in North Center, raises the question: What if healthy food were just as convenient as a bag of chips and a can of soda? Veg Head is a new CCLF borrower doing just that. Customers can walk in to Veg Head and find a “mini farmer’s market” where they can quickly build their own vegetable snack pack or grab a healthy salad, smoothie or yogurt parfait to-go. Lynn Kardasz, the owner of Veg Head, has a variety of past experience, including time served in the Navy and work as an urban planner and a business consultant. A few years ago, she found herself searching for a new career. “I wanted to do something that was happy and healthy,” she said. Her final choice, Veg Head, is both of these things: a sunny shop lined with display cases full of sandwiches and quinoa salads alongside fruits and vegetables—some whole, some already peeled and sliced for consumption—with “Broccoli Bob,” a broccoli head mascot with sunglasses, painted on one wall.
Lynn Kardasz, owner of Veg Head
Kardasz, who was involved in a near-fatal accident in 1992 and has since had 11 surgeries, states on Veg Head’s website that she uses food to “to train for and heal from surgery and more importantly to maintain [her] health.” Part of Veg Head’s business model is to offer this advice to the customer, an offer Kardasz says many have taken her up on since the store’s opening this fall. Kardasz spent two years planning for Veg Head, including writing a detailed business plan. However, she was denied by traditional lenders, who wanted her to have an outside source of income. Then, Kardasz found CCLF, whose financing for equipment and working capital was integral to starting Veg Head, she said. Kardasz had received a grant from Chicago’s Small Business Improvement Fund (SBIF) that functioned as a reimbursement, and CCLF stepped up with a loan to bridge these funds until that reimbursement came through. “You guys have plugged a hole that needed to be plugged…” Kardasz said. “You filled the gap until the check came in from the SBIF. Without that, I definitely would have had to dip into my 401k.” Veg Head does more than just provide healthy food options to its Veg Head’s mascot, neighbors or to visitors coming off the Irving Park Brown Line stop. For Broccoli Bob, adorns example, the store supports local farmers and also makes donations to its storefront Lakeview Pantry, which provides a two-week supply of food per month to people in need. Kardasz also believes strongly in investing in her employees, and she maintains connections with the Dyett Green Youth Farm in Washington Park, which she helped start. “I am actually hiring one of the students from there,” Kardasz said. “She’s going to be starting here in about two weeks, and she needs to be here because she knows a ton about fruits and veggies because of how that program works, so it’s like a full circle thing. That’s how I look at Veg Head: it’s full circle.” Veg Head’s ties to the community and its healthy food mentality make it a great fit for CCLF, according to Mark Fick, Senior Loan/Program Officer. “CCLF is excited to help Lynn complete her vision,” Fick said. “She’s offering healthy food options while building real connections with people and the local economy. Veg Head is a great model for how a business can have a positive healthy impact on customers and community.”
CCLF Holds Small Contractor Bridge Workshop CCLF and the Illinois Finance Authority (IFA) held a workshop on the Small Contractor Bridge Program (SCBP), targeting emerging construction businesses, including minority, women-owned and disadvantaged business enterprises interested in bidding on public works contracts in Illinois. The goal of the program is to help contractors secure bonding and financing needed so they can be competitive in the bidding process. Small contractors frequently have difficulty securing bonding and working capital which can be a prerequisite to obtaining public works contracts. The high financial barriers to public works projects make them inaccessible to a large number of companies, despite their ability to complete the work to high industry standards. Wendell Harris, Senior Loan/ Program Officer for CCLF and Program Officer for the SCBP, went over the basics of the program. He was joined by members from Endurance Insurance and InnerCity Underwriting Agency, Inc. who collectively covered the requirements for securing bonding. State agencies such as the Illinois Tollway, the Illinois Department of Transportation and the Capital Development Board acknowledge support for this program as a way to help small contractors prepare to bid, bid, and execute on awarded contracts.
Small Contractor Bridge Program workshop participants
The commitment to small contractors targeted by this program was highlighted by the presence of state agencies and bonding professionals. Alfred Wright, V.P. Practice Leader for Endurance, traveled from New York to meet with contractors. “There is no other program like this to help smaller contractors get bonding,” Wright stated. Wright was joined by Gina Banks Eanes and Matthew Cooper from Inner-City Underwriting Agency, Inc. in letting the contractors know they were there to help them grow their business. Stephanie Stephens, General Manager of Diversity for the Illinois Tollway, and Mike Wilson, Deputy Director of Operations for the Illinois Capital Development Board, shared tips on how to do business with their respective organizations, including pre-qualifications. The workshop concluded with LaVerne Hall, CEO of the CANDO Corporation, discussing her organization’s partnership with the Construction Business Development Center (CBDC), the Illinois Tollway and the Illinois Community College Board. This partnership provides technical assistance as well as other resources to assist contractors. Stephanie Stephens from the Illinois Tollway Collectively, all the partner organizations sharing tips for small contractors are committed to providing more jobs to disadvantaged, minority, and women-owned business enterprises. The Small Contractor Bridge Program will help contractors get to the next level of growing their capacity to compete for public works contracts. For more information on Small Contractor Bridge, including how to apply, or to sign up for the next workshop which will take place on February 19 at Prairie State College, contact Wendell Harris at (312) 252-0427 or wharris@cclfchicago.org.
NCRC Annual Conference The National Community Reinvestment Coalition (NCRC) will be holding its 2014 Annual Conference, “A Just Economy: Ideas, Action, Impact,” March 12-15 at the Capital Hilton hotel in Washington, DC. NCRC’s conference is one of the largest national gatherings of community non-profits, policymakers, government officials, small businesses, media and academia – all focused on how we can work together to create a more just economy. The conference will include a broad selection of exciting, cutting-edge workshops and plenaries on access to capital and banking services, housing, community organizing and advocacy, workforce and community development, fair lending and business development. HUD Secretary Shaun Donovan, OCC head Tom Curry, and others to be announced will keynote. To learn more and register, visit http://www.ncrc.org/ conference/
Donate to CCLF We need your financial support to provide targeted technical and financial assistance that empowers communitybased developers to help create communities where people thrive. To support our work with a secure online donation, please visit cclfchicago.org/ support-us
CCLF Board of Directors John L. Tuohy, Chair Chapman and Cutler LLP (retired) Matthew R. Reilein, Vice Chair Chase Charles Walls, Treasurer ComEd Mohammed M. Elahi, Secretary Consultant Jody Adler The Law Project Robert G. Byron Blue Vista Capital Management, LLC
CCLF Noteworthy
Thank You to Funders and Investors
For their recent grants, CCLF thanks Bank Leumi, Charter One Foundation, Low Income Investment Fund and Citi Foundation, MetLife Foundation and Taproot Foundation. For their recent investments and renewals, CCLF thanks US Bank, the Jessie Smith Noyes Foundation, the Congregation of the Sisters of Charity, Chris and Korie Stanley, the Congregation of the Sisters of St. Agnes, Woodlands and the Wintrust Financial Corporation community banks, which include: Beverly Bank and Trust, Hinsdale Bank and Trust, North Shore Community Bank and Trust, Old Plank Trail Community Bank and Trust, St Charles Bank and Trust and Village Bank and Trust.
CCLF Staff & Board News
CCLF’s Board of Directors welcomed three new directors and approved the slate of officers at its annual meeting in December. New members elected were Jody Adler, Director of the Law Project, which provides pro bono legal advice and services to nonprofit entities and to low-income entrepreneurs; Robert G. Byron, Managing Principal and co-founder of Blue Vista Capital Management, LLC, a real estate investment management firm headquartered in Chicago and Eric S. Phillips, Senior Vice President and Chief Credit Officer of Village Bank & Trust, a Wintrust Community Bank.
Charles F. Daas Ravenswood Community Council Thomas P. FitzGibbon, Jr. Talmer Bank and Trust Erik Hall Citigroup Ailisa Herrera MB Financial Bank Edward J. Hoynes Community Accounting Services Ed Jacob Neighborhood Housing Services of Chicago Patricia Y. McCreary Consultant Raymond S. McGaugh McGaugh Law Group LLC Eric S. Phillips Village Bank & Trust (a Wintrust Community Bank) Nancy Radner Ounce of Prevention Fund Mark C. Spears The PrivateBank Kathryn Tholin Center for Neighborhood Technology
@cclfchicago
New members of our Board of Directors, from left: Adler, Byron and Phillips Officers elected for a one year term include: John L. Tuohy, Chair; Matthew R. Reilein, Vice Chair; Charles Walls, Treasurer and Mohammed M. Elahi, Secretary. Board Members also gave their heartfelt thanks to retiring members Rafael Leon (served 14 years) and Steven Quasny (served 2 years). Congratulations to Technical Assistance Program Officer Kallie Rollenhagen, who was selected as one of 20 Emerging Leaders from across the country into the inaugural class of the Citi Leadership Program for Opportunity Finance. The program supports professionals who strive to lead transformational change in the community development industry. Rollenhagen was chosen from more than 120 applicants nationwide. The selections reflect the diversity of CDFIs and the low-income, low-wealth, and other disadvantaged communiCCLF’s Kallie Rollenhagen ties they serve. Rob Rose, Vice President of Lending, has been appointed to the Loan Committee for Illinois Department of Transportation (IDOT) Disadvantaged Business Revolving Loan Program. This Program authorizes IDOT to make low-interest loans to disadvantaged business enterprises certified by the Illinois Uniform Certification Program (IDOT, METRA, PACE, CTA, and City of Chicago) for participation on IDOT construction and constructionrelated contracts.
CCLF’s Rob Rose
Credit Memos: CCLF lends $5.38 Million in 4th Quarter Veg Head/K Industries received a $50,000 equipment and working capital loan for a healthy foods retail storefront in North Center. This loan is part of the City of Chicago Treasurer’s Small Business Development Fund. Thanks to Darwin Conner of Winston & Strawn LLP for serving as CCLF’s counsel on this transaction. Karry Young Development, LLC received an $80,000 permanent loan through our Neighborhood Investor Lending Program for rental housing in the Austin community. Thanks to Sameer Patel of Holland & Knight LLP for serving as CCLF’s counsel on this transaction.
CCLF Staff Calvin L. Holmes President Dana K. Peterson Chief Operating Officer Jane I. Ames Vice President, Finance & Administration Rob Rose Vice President, Lending
ALJ Investments received a $1,200,000 mini-permanent loan through our NeighJuan Calixto borhood Investor Lending Program to refinance ten residential rental communities Vice President, External Relations across Chicago. Thanks to Jeff Gray and Trevor Clarke of Edwards Wildman Palmer LLP for serving as CCLF’s counsel on this transaction. Mark Fick POAH NSP Chicago, LLC received a $500,000 mini-permanent loan for a 6-unit rental building in Woodlawn. This loan is part of the Cook County Preservation Compact. Thanks to Kate Mascarenhas of Kirkland & Ellis LLP for serving as CCLF’s counsel on this transaction. 7800 S Prairie Inc. received a $315,000 mini-permanent loan to acquire a 13-unit affordable housing building in Greater Grand Crossing. This loan is part of the Cook County Preservation Compact. Thanks to Jessica Simons and Bradley Ritter of Paul Hastings LLP for serving as CCLF’s counsel on this transaction. Pilgrim Development Corporation received a $265,850 mini-permanent loan through our Neighborhood Investor Lending Program to acquire three properties for affordable housing and to lease to a school and healthcare organization in West Garfield Park. Thanks to Bruce Bedwell of Chapman and Cutler LLP for serving as CCLF’s counsel on this transaction.
Senior Loan/Program Officer Wendell Harris Senior Loan/Program Officer
Lycrecia Parks Senior Portfolio Management Officer Evelyn Turner Loan Closing Officer Torica Clegg Loan Closing Officer Kallie Rollenhagen Technical Assistance Program Officer
Bettye Claggette Finance & Accounting Associate XT Properties, LLC received a $270,000 mini-permanent loan through our Neighbor-
hood Investor Lending Program to refinance two rental properties in Park Manor. Elizabeth Ginsberg Thanks to Alpita Shah of Mayer Brown LLP for serving as CCLF’s counsel on this Portfolio Management Associate transaction. The Stony Group LLC received a $2,700,000 construction loan to renovate the vacant Stony Island Trust & Savings Bank building to create a cultural and culinary community center in the South Shore community. This loan is part of our commercial real estate initiative. Thanks to Evan Epstein of Katten Muchin Rosenman LLP for serving as CCLF’s counsel on this transaction.
Lincoln Stannard Lending Associate
Alyce Eaton Program Assistant Chelsea Krummrey Finance & Administration Assistant
Consultants Torrence Moore Senior Consultant Special Initiatives Chelsi Cicekoglu Lender
Newsletter Credits The mission of the Chicago Community Loan Fund is to provide flexible, affordable and responsible financing and technical assistance for community stabilization and development efforts and initiatives that benefit low- to moderate-income neighborhoods, families and individuals throughout metropolitan Chicago.
Compiled by: Juan Calixto Alyce Eaton Printed by: Salsedo Press
2014 Workshops & Events Project Readiness Workshops March 11, June 10, November 11 Acquire the tools to begin your organization’s affordable housing project. Offered several times throughout the year, this is a one-day primer on affordable housing development for community practitioners.
Building for Sustainability September 11-12
A two-day, compact overview of sustainable design with organizational and operational resources to help you develop healthy and efficient projects. An introduction to fundamental “green” practices and approaches, with resources, strategies and case studies. Network with other practitioners and tour local projects.
Housing Cooperatives and Communities August, date TBD A half-day, no cost opportunity to meet and network with veteran co-op organizations from throughout Chicago. Previous gatherings have included workshop topics such as fair housing, housing membership, understanding housing finance and consensus and conflict resolution.
Sustainable Builders Working Group Every other month, beginning in February The Sustainable Builders Working Group is a dynamic, informal gathering of community development practitioners and partners working to encourage, effectively implement and operate sustainability features at the project and community level. Contact us to be added to the mailing list.
For more information or to register for a workshop, call (312) 252-0442, email workshop@cclfchicago.org or go to www.cclfchicago.org/assistance Program Support Provided by:
Chicago Community Loan Fund
29 E. Madison, Suite 1700 u Chicago, IL 60602 (312) 252-0440 u http://www.cclfchicago.org