Welcome Packet 2020

2020 INVESTOR CONFERENCE February 5-7 / Boulders Resort & Spa

TABLE OF CONTENTS

Welcome Letter Resort Map Attendee List Contact List

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4 / 5 6 / 7 8 / 9

Agenda

10 / 11 12 / 15 16 / 17 18 / 22

CREA Bios Guest Bios

Notes

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WELCOME!

We are pleased that you are able to join us and hope that your stay at the Boulders Resort & Spa for our 2020 Investor Conference serves you with information, as well as relaxation. We want to take a minute to thank you for taking the time to be with us. It is truly appreciated. With another full agenda planned for the next two days, please take a few minutes to read through this packet, which includes our itinerary, conference and hotel details, and familiarize yourself with the space and planned events. This year, we will be focusing on CREA’s history and the key players that make things possible, as well as hearing from industry experts to dial in on all things affordable housing. We are also excited to welcome Katie Zito this year, as she connects the dots between housing and healthcare. Please consider this conference to be interactive and do not hesitate to ask questions and provide insight. We look forward to spending this time with you. If we can do anything to make your stay more pleasant, please contact me directly at 317 459 6853; Margie Todd at 317 679 8795; or any other CREA employee listed on pages eight and nine.

Thank you for joining us at the CREA 2020 Investor Conference. I look forward to thoughtful discussion and catching up with you.

All the best,

Jeffrey A. Whiting President & Chief Executive Officer CREA, LLC

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RESORT MAP

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AREAS OF INTEREST

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Tahono Foyer / Terrace Hospitality & Welcome Desk Tahono Foyer / Terrace All Breakfasts & Wednesday Lunch Tahono Ballroom Conference Presentations & Panels Duck Pond Wednesday Cocktail Reception & Dinner El Pedregal Courtyard Thursday Lunch Cocopeli Thursday Cocktail Reception & Dinner The Spa Thursday Selected Activity - Meet in Spa Golf at the Boulders - South Course Thursday Selected Activity - Meet in Lobby Bicycle Tour Thursday Selected Activity - Meet in Spa Culinary Tour Thursday Selected Activity - Meet in Lobby ATV Thursday Selected Activity - Meet in Lobby Tennis Thursday Selected Activity - Meet at Tennis Center

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ATTENDEES

Michael Nichols

Aetna Real Estate Investments

Emily Cadik Jamie Vermie

Affordable Housing Tax Credit Coalition

Allstate Insurance Company

Frank Magaña

Ally Bank

Katie Zito Vince Scher

Anthem, Inc. Anthem, Inc.

Warren Wenzloff Stefanie Bachrach Charles Cafazza

Applegate & Thorne-Thomsen, P.C.

Associated Bank, N.A. Associated Bank, N.A. Associated Bank, N.A.

Teresa Rubio Iris Bashein

Bank of America Bank of America Bank of Hawaii

Laurie Levitt Schoenburg

Michael Kim

Phil Westerman

Barnes & Thornburg Beacon Hill Capital Beacon Hill Capital

Christopher McCarthy

Michael Connolly Elizabeth Wright

BMO Harris

Faith Bruins

Buchalter Law Firm

Francine Lyons

Carlisle Tax Credit Advisors

Larry Flood Jill Edwards

CDLAC

Charles Schwab Bank

Tony Hernandez

CIBC

Claudia Lima

CIT Bank, N.A. CIT Bank, N.A. CIT Bank, N.A. Citizens Bank

Jean-Piere Knight

Cynthia Tello Steven Spall

Wendy Jacquemin Sal Mendoza Cindy Fang Matt Barcello Jim Bernacki Mike Bernier Renee Ibarra Jillian Flynn Dana Brown Sean O’Connor Catherine Cawthon

City National Bank City National Bank

CohnReznick CohnReznick

Comerica

DOZ

Ernst & Young Ernst & Young Ernst & Young Fannie Mae Fifth Third Bank

Greg Dentino Bill Krummen Lisa Kelly

Fifth Third Bank Fifth Third Bank

First National Bank

Vincent Maine

Flagstar Bank

Brian Demild

Fulton Bank, N.A. Holland & Knight Holland & Knight Huntington Bank Huntington Bank

Wendy Tamis Robbins

Sara Heskett

Christina Tracy

David Olenik

Derek Rodman Jennifer Seamons Dean Walston Debi Engelbrecht Carly Wiltshire Monica Sussman Rick Goldstein Sean Hannan

Jones Day KeyBank KeyBank

Mechanics Bank Moors & Cabot

Nationwide

Nixon Peabody Nixon Peabody Nixon Peabody

Joseph Brady

Michael Novogradac

Novogradac

Robert Bennett David Fleming Gene Schneur

Omni New York LLC Omni New York LLC Omni New York LLC Omni New York LLC People’s United Bank

Mo Vaughn Tim Hodges

Adam Berkowitz

Prudential Rockabill

Niall Murray

Dave Herdlick

Rubin Brown Rubin Brown

Bryan Keller

Jeremy Levkoff Michael Schwartz Anne Simpson Brenda Ramos Rob Stackhouse

Santander

Signature Bank Silicon Valley Bank Silicon Valley Bank Standard Insurance Standard Insurance

Mike Morey

Adam Galowitz David Robbins

State Street Bank and Trust Company Strategic Tax Credit Investments Strategic Tax Credit Investments

Brian Rajotte

Michael Hedges

THDA

Melissa Jones Abhisek Mitra

Trustmark National Bank

US Bank CDC US Bank CDC US Bank CDC USAA Insurance

Michael Armistead

Blair Conner Jason Bryan

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CONTACT LIST

GARY RODNEY CHAIRMAN grodney@creallc.com 917 676 5190

JEFF WHITING PRESIDENT & CHIEF EXECUTIVE OFFICER jwhiting@creallc.com 317 459 6853

TONY BERTOLDI EVP, SYNDICATION & INVESTOR RELATIONS tbertoldi@creallc.com 617 921 0104

ROGER SHANK, CPA EVP, CHIEF FINANCIAL OFFICER rshank@creallc.com 317 504 8596

CHARLES ANDERSON EVP, ACQUISITIONS canderson@creallc.com 317 690 4616

BRANDON BOWLING VP, CONSTRUCTION MANAGEMENT bbowling@creallc.com 765 561 1432

BRANDON CONWAY SVP, SPECIAL ASSETS & DISPOSITIONS bconway@creallc.com 317 690 7225

MIKE BOYLE SVP, ACQUISITIONS mboyle@creallc.com 813 495 2149 BRAD BULLOCK SVP, ACQUISITIONS bbullock@creallc.com 503 780 9740

JAVIER DE LA ROCHA OFFICE MANAGER & EXECUTIVE ASSISTANT TO TONY BERTOLDI, EVP - SYNDICATION & INVESTOR RELATIONS jdelarocha@creallc.com 617 676 5108 JOHN FRAME ANALYST, SYNDICATION & INVESTOR RELATIONS jframe@creallc.com 224 436 5672

MARK BURTON SVP, CHIEF CREDIT OFFICER, CREDIT & UNDERWRITING mburton@creallc.com 317 340 3581 PAUL CARDAMON AVP, SYNDICATION & INVESTOR RELATIONS pcardamon@creallc.com 317 902 8290

NICOLE FRANK, CPA SVP, CONTROLLER nfrank@creallc.com 618 971 5075

BRAD HOWARTH SVP, SYNDICATION & INVESTOR RELATIONS bhowarth@creallc.com 617 519 6404

STEFANIE BROWN VP, MARKETING sbrown@creallc.com 312 330 5541

MARGIE TODD EVENT MANAGER mtodd@creallc.com 317 679 8795

JAMIE IRWIN SVP, ACCOUNT MANAGER, ACQUISITIONS jirwin@creallc.com 317 473 4689 ELI KAHAN AVP, SYNDICATION & INVESTOR RELATIONS ekahan@creallc.com 802 272 3834

EXECUTIVE ADMINISTRATIVE ASSISTANT TO JEFF WHITING, CEO & CHARLES ANDERSON, EVP - ACQUISITIONS pphillips@creallc.com 317 384 5933 JULIE SHARP AVP, SYNDICATION & INVESTOR RELATIONS jsharp@creallc.com 317 735 5842

KEVIN KURUZAR SVP, FUND MANAGEMENT kkuruzar@creallc.com 574 276 0309

RICHARD SHEA SVP, ACQUISITIONS rshea@creallc.com 760 504 3244

MARY ANN LANG SVP, SYNDICATION & INVESTOR RELATIONS mlang@creallc.com 812 631 3048

AJ SHRESTINIAN ANALYST, SYNDICATION & INVESTOR RELATIONS ashrestinian@creallc.com 857 317 7679

NEALA MARTIN SVP, ACQUISITIONS nmartin@creallc.com 646 872 5748

BROOKE SOLIS SVP, ASSET MANAGEMENT bsolis@creallc.com 317 289 0874

KATY MCSHANE SVP, DIRECTOR OF HUMAN RESOURCES kmcshane@creallc.com 317 670 7555 VINCENT MONACO VP, SYNDICATION & INVESTOR RELATIONS vmonaco@creallc.com 203 526 7087

BILL TOMASHEWSKI SVP – DIRECTOR, SYNDICATION & INVESTOR RELATIONS wtomashewski@creallc.com 561 762 8478 BILL TOMLINSON ANALYST, SYNDICATION & INVESTOR RELATIONS btomlinson@creallc.com 585 703 6980

MICHAEL MURRAY SVP, ACQUISITIONS mmurray@creallc.com 617 413 4466

BRIAN VILLA VP, GENERAL COUNSEL bvilla@creallc.com 317 260 9361

WAYNE NELIS SVP, DIRECTOR, SPECIAL ASSETS & DISPOSITIONS wnelis@creallc.com 317 670 7439 KELLI OZDEMIR SVP - DIRECTOR, PORTFOLIO MANAGEMENT kozdemir@creallc.com 317 517 4299 PATTI PHILLIPS

ANDY VORESS SVP, SYNDICATION & INVESTOR RELATIONS avoress@creallc.com 224 361 6565

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2020 INVESTOR CONFERENCE

Wednesday, February 5th

TOHONO FOYER / TERRACE

Hospitality & Welcome Desk

12:00-2:00 PM

Lunch

12:00-2:00 PM

TOHONO BALLROOM

Welcome & Introductions Jeff Whiting, President & CEO The State of CREA Address Jeff Whiting

2:00-2:15 PM

2:15-2:45 PM

Syndication Update Tony Bertoldi, EVP, Syndication & Investor Relations

2:45-3:15 PM

Break

3:15-3:30 PM

Financial Update Roger Shank, EVP, CFO

3:30-4:00 PM

Meet the CREA Team 10 Minutes with Tony Moderated by Tony Bertoldi Brandon Bowling, VP, Construction Management Kevin Kuruzar, SVP, Fund Management Katy McShane, SVP, Director of Human Resources Kelli Ozdemir, SVP - Director, Portfolio Management Brooke Solis, SVP, Asset Management Brian Villa, VP, General Counsel

4:00-5:00 PM

6:30-7:30 PM DUCK POND

Cocktail Reception

Dinner

7:30 PM

Post-Dinner Stargazing

Thursday, February 6th

TOHONO FOYER / TERRACE

Breakfast Buffet

8:00-9:00 AM

TOHONO BALLROOM

Housing & Healthcare Katie Zito, Anthem, Inc.

9:00-9:45 AM

Break

9:45-10:00 AM

Industry Panel Moderated by Charles Anderson, EVP, Acquisitions and Gary Rodney, Chairman Emily Cadik, Affordable Housing Tax Credit Coalition Larry Flood, California Debt Limit Allocation Committee Mike Hedges, Tennessee Housing Development Agency Niall Murray, Rockabill

10:00-11:15 AM

Thank You & Final Thoughts Gary Rodney

11:15-11:30 AM

EL PEDREGAL COURTYARD

Lunch

11:30 AM-1:00 PM

See Itinerary ACTIVITIES

Various

6:30-7:30 PM COCOPELI

Cocktail Reception

Dinner

7:30 PM

Friday, February 7th

TOHONO TERRACE

Breakfast Buffet / To-Go or Sit Down

7:00-9:00 AM

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CREA BIOS

GARY RODNEY CHAIRMAN INDUSTRY PANEL CO-MODERATOR / THANK YOU & FINAL THOUGHTS

Gary Rodney works with the senior management team to expand and improve on CREA’s investor base and enhance relationships in different markets. With a wealth of experience frommany sides of the affordable housing space, he brings a broad base of perspectives to the table. Nominated by New York City mayor Bill de Blasio in 2014, Gary served as president of the New York City Housing Development Corporation. He enjoys getting to know each and every client, listening to what’s important to them, and ensuring CREA does everything possible to address their needs and concerns. At the end of the day,

what matters most to Gary is knowing he’s played a part in helping someone achieve a better housing situation. When he’s not working, Gary enjoys spending time with his wife and three daughters, watching movies, and traveling.

JEFF WHITING PRESIDENT & CEO WELCOME & INTRODUCTIONS / THE STATE OF CREA ADDRESS

Jeff Whiting oversees all activities at CREA and has since its inception in 2001. He has grown CREA from 1 to 110+ employees with a nationally-known reputation as one of the top syndication companies. His passion to help people gain stability and a sense of belonging fuels his dedication to affordable housing advocacy both locally and nationally. As he strives to ensure everyone has a voice, Jeff regularly travels to Washington, D.C. to advocate for low-income housing. As the leader of CREA, he empowers his team to make fresh, forward- thinking decisions at every turn. Outside of work, Jeff enjoys golf, spending time

with his wife and four kids, reading, and doing some writing. He is president emeritus of the Affordable House Tax Credit Coalition and a board member of Up for Growth a Washington DC based not for profit that is focused on policy initiatives to promote economic growth throughout the United States.

TONY BERTOLDI EVP, SYNDICATION & INVESTOR RELATIONS SYNDICATION UPDATE / MEET THE CREA TEAM - 10 MINUTES WITH TONY

Tony Bertoldi runs the syndication and investor relations platform at CREA and sits on all approval committees. He and his team are responsible for the marketing, formation and closing of all funds, as well as managing the majority of interactions with investors. Before joining CREA in 2009, he was managing director of the investor relations group of a major tax credit syndicator in the affordable housing industry and was a vice president in a large publicly-held REIT. He holds a bachelor’s degree in economics and real estate from the University of Connecticut and an MBA in finance from Boston University. He’s

especially proud of CREA’s reputation for transparency, service and performance, even long after the deal is done. After hours, Tony is an avid dog lover who enjoys spending time outdoors and playing sports.

CHARLES ANDERSON EVP, ACQUISITIONS INDUSTRY PANEL CO-MODERATOR

Charles Anderson oversees CREA’s acquisition of LIHTC equity nationally. With over 20 years of experience in the area of affordable housing, he got his start as a financial analyst with a national LIHTC provider structuring, underwriting, and closing affordable housing investments. Since joining CREA in 2007, he’s been directly involved in every aspect of the acquisitions process including identifying, structuring and closing transactions, and managing CREA’s Acquisitions Department. He is committed to client development, leading his team, and encouraging others to take on new and challenging roles. When he’s not in the

office, Charles loves spending time with family, traveling, food and wine, and running. He also volunteers on the board of the National Housing and Rehabilitation Association and is a big supporter of JDRF and breast cancer research.

ROGER SHANK, CPA EVP, CFO FINANCIAL UPDATE

Roger Shank is responsible for all financial accounting for CREA, managing financial reporting, audits, taxes, and borrowings. He has over 25 years of financial industry accounting and operational experience including serving as senior vice president and controller for City Financial/City Securities Corporation, CFO of a boutique estate planning firm, and controller for a nationally-recognized estate planning firm. He’s most passionate about tackling challenges head-on and enjoys seeing issues come to successful resolutions. Roger believes investors and developers choose CREA because of the company’s ability to be nimble and flexible, bending to meet the needs of their

clients. Outside of the office, he enjoys spending time with his wife and four daughters.

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CREA 10 MINUTES WITH TONY BIOS

BRANDON BOWLING VP, CONSTRUCTION MANAGEMENT

Brandon Bowling serves as VP, Construction Management, overseeing all things pertaining to construction: from pre-construction reviews following LOI issuance, to the construction monitoring process post-closing. Brandon holds over 10 years’ experience in the LIHTC industry, having formerly worked for an Indianapolis developer/builder as a site superintendent before joining CREA in 2011. He also serves on CREA’s Compliance Committee and holds a Bachelor of Science degree in construction management from Indiana State University. Brandon has spent his time outside of work volunteering as a youth football coach, as well as officiating recreational league basketball games at a local Boys & Girls Club.

KEVIN KURUZAR SVP, FUND MANAGEMENT

Kevin Kuruzar joined CREA’s Fund Management department in July of 2012. He oversees all aspects of Fund Management, including the management of day-to-day activities of CREA’s fund entities post-closing, all investor reporting, and maintenance of all active lower-tier and fund-level financial projections within the CREA portfolio. Kevin began his career at the public accounting firm Dauby O’Connor & Zaleski, LLC in 2006 where he supervised audit engagement teams of affordable housing partnerships, developers and other participants

in the affordable housing industry. Kevin holds a Bachelor of Science in accounting and finance from Indiana University and is a licensed Certified Public Accountant in the state of Indiana. Outside of CREA, he also serves as Treasurer on the board of directors for the Fathers and Families Center of Indianapolis.

KATY MCSHANE SVP, DIRECTOR OF HUMAN RESOURCES

Katy McShane joined CREA in 2016 and is responsible for leading the design, implementation and administration of all corporate HR programs, practices and processes including benefits, talent acquisition, compensation, performance management and workforce planning. Prior to joining CREA full-time, she was the Director of Human Resources for City Financial Corporation for 13 years. Katy earned her Bachelor of Science in business administration with a concentration in human resources management from Hawaii Pacific University. Additionally, she holds her Senior Professional in Human Resources® (SPHR®) certification and Society of Human Resources Management – Senior Certified Professional

(SHRM-SCP) designation.

KELLI OZDEMIR SVP, DIRECTOR, PORTFOLIO MANAGEMENT

Kelli Ozdemir manages CREA’s entire Section 42 LIHTC portfolio from both a lower and upper tier perspective. Her role involves overseeing the fund management and asset management teams by supervising and assisting in higher level tasks. Since joining CREA in 2006, Kelli has been very involved with the growth of the fund management and asset management groups, establishing ongoing policies and procedures. Kelli holds a Bachelor of Science in accounting from Butler University. In her spare time, she enjoys spending time with her four children and is actively involved with JDRF, sitting on the board of directors and fundraising for the non-profit organization.

BROOKE SOLIS SVP, ASSET MANAGEMENT

Brooke Solis joined CREA’s asset management department in 2010. She oversees all aspects of asset management. Brooke has been active in the affordable housing industry since the beginning of her career in 2002 with Dauby O’Connor & Zaleski, LLC, a public accounting firm specializing in affordable housing, where she worked specifically with partnership audits. Brooke holds a Master of Science and a Bachelor of Science in accounting from Ball State University. Brooke is a licensed Certified Public Accountant in the state of Indiana; and also served as an instructor for Becker Professional Education’s CPA Exam Review courses from 2005 to 2011.

BRIAN VILLA GENERAL COUNSEL

Brian Villa serves as General Counsel and is responsible for assisting all departments with legal-related matters; he is the secretary of CREA’s various committees. Before joining CREA in 2013, Brian was an attorney in the corporate and real estate practice groups of a large regional law firm. Brian is a member of the Indiana State Bar Association; the ABA Affordable Housing Forum; and the Association of Corporate Counsel. He earned his Juris Doctor degree from Indiana University’s Maurer School of Law; his Master of Business Administration from Indiana University’s Kelley School of Business; and a Bachelor of Science in economics from Purdue University’s Krannert School of Business.

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HOUSING & HEALTHCARE

KATIE ZITO SENIOR GOVERNMENT RELATIONS DIRECTOR, ANTHEM, INC.

Katie Zito is the Senior Government Relations Director for Anthem Indiana Medicaid. Katie draws on over 20 years of government relations experience to provide leadership and oversight for the health plan’s policy and legislative initiatives with Indiana state government. Previously, Katie served as the Strategic Policy Lead for Medicaid at Humana, where she was responsible for developing strategic policy positions on emerging trends and advising the company on legislative and regulatory matters regarding Medicaid and dual eligible issues. She has also worked at Magellan Health in a business development role and at WellCare Health Plans, where she oversaw the implementation of the Patient Protection and Affordable Care Act. Katie’s career started in Connecticut state government where she held positions with the Senate Majority Leader, Senate Majority Caucus and Lieutenant Governor. She has a Master’s Degree in Public Health from the University of Connecticut and is a graduate of Trinity College in Hartford, Connecticut, with a BA in English and Political Science.

INDUSTRY PANEL BIOS

Emily Cadik is the Executive Director of the Affordable Housing Tax Credit Coalition (AHTCC), where she leads advocacy to support affordable rental housing financed using the Low-Income Housing Tax Credit (Housing Credit). Prior to joining the AHTCC, she was a Senior Director of Public Policy at Enterprise Community Partners, where she led policy and advocacy related to the Housing Credit and other affordable housing and community development issues. While at Enterprise she served on the board of the AHTCC, chairing the Legislative Committee, co-chairing the Marketing Committee, and serving on the Executive Committee since 2016. She also helped to lead the A Call EMILY CADIK EXECUTIVE DIRECTOR, AFFORDABLE HOUSING TAX CREDIT COALITION

To Invest in Our Neighborhoods (ACTION) Campaign, the nationwide coalition of more than 2,000 organizations and businesses advocating on behalf of the Housing Credit, and remains active in this nationwide advocacy effort. In 2017 she received the NHP Foundation’s inaugural Advocacy Award, and in 2016 was named one of Affordable Housing Finance’s Young Leaders. Before joining Enterprise she was a Presidential Management Fellow at the U.S. Department of Housing and Urban Development, where she served as a program coordinator for the Moving to Work demonstration and in the Office of Intergovernmental Affairs. She earned a master’s degree in public policy from the Harvard Kennedy School of Government and a Bachelor of Arts degree from the University of Texas at Austin.

LARRY FLOOD CALIFORNIA DEBT LIMIT ALLOCATION COMMITTEE

Mr. Flood was the California Housing Finance Agency’s (CalHFA) Director of Finance. He previously served as senior policy advisor for financial markets in the U.S. Department of the Treasury for four years. There, he oversaw the U.S. Treasury’s risk-sharing program as it closed more than $800 million in loans with 14 different state housing finance agencies. He also managed all internal reporting for the Treasury’s $5.3 billion HFA bond portfolio. He also has worked as a national consultant to both Fannie Mae and Freddie Mac, developing surveillance and reporting as well as credit risk management programs for the Obama administration’s HFA Initiative.

MIKE HEDGES CHAIR, TENNESSEE HOUSING DEVELOPMENT AGENCY

With 23 years of experience in real estate development, Mike Hedges serves on the board of directors as chair for the Tennessee Housing Development Agency (THDA). During his time in real estate development, primarily multi- family, Mike has been responsible for all phases, from inception through lease-up, including market studies, financial feasibility analysis, site selection, purchase negotiations, zoning approvals, etc., and has been involved in nearly 40 successful tax credit applications. Currently, Mike serves as the managing principal on 27 LIHTC properties located from Texas to South Carolina. Outside of real estate development, Mike has been included in several publications and

has played an active role in several civic activities and organizations.

NIALL MURRAY MANAGING PRINCIPAL & FOUNDER, ROCKABILL

While building on a successful career as a certified accountant, managing director at a prestigious accounting firm, and banker/consultant at Allied Irish Bank, Niall had envisioned creating a unique business to serve the affordable housing industry. The idea was to create a consulting and development platform to provide clients with innovative and value added solutions to create and preserve affordable and supportive housing. With this concept, and his strong belief in the importance and need for quality affordable housing for all New Yorkers, Niall created Rockabill - a financial consulting and development firm - in 2007. Since its founding, Rockabill has consulted or partnered on the

development and financing of over 12,000 affordable housing units throughout New York City and New York State. As Rockabill’s Managing Principal, Niall brings over 25 years of experience working with a wide variety of industry participants, both government and private sector organizations. He has built an outstanding reputation for his understanding of the affordable housing development business, public private partnership financing and he has been on the vanguard of some unique programs such as Affordable Assisted Living, Qualified Zone Academy Bonds, Public Housing Authority Revitalization, Supportive Housing and Preservation Projects.

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