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Merica’s CEF Story

Merica St. John is an artist in both word and deed. In her home, at every turn, there is a handcrafted statement piece with its own backstory—ways her identity and history find vibrant expression. In a conversation, at every turn, Merica weaves stories, bringing her own experiences, feelings, and communities to rich life. 

Merica first met with CEF Advocates in 2014 as she was just getting settled in Durham in a new home. Recently, she purchased that home, and invited her Advocate Valeria, and CEF Co-Director Janet to her housewarming party. Thank you, Merica for sharing your story with us and the CEF community! 

Merica and her Advocate, Valeria, at a housewarming party to celebrate Merica’s home purchase! 

June 27, 2017

Making New Roots

It was a hot day in July when I stopped in at the VA Hospital in Durham to see about help for homeless veterans.  I wasn’t exactly homeless, but I was staying in a hotel while I looked for a place to live in my newly adopted hometown and state. I’d moved to North Carolina from Minnesota that summer of 2014 without knowing anyone.  I arrived with two suitcases and a lot of hope and faith.  It wasn’t the first time I’d moved somewhere new without all the puzzle pieces in place.

My husband and I left Minnesota for Alaska in much the same way eleven years before that.  I had no idea then that I would be a widow a year afterward.  Six years later, I went to Ghana, West Africa in a similar way, knowing only one person on the entire continent of Africa.To many, such moves seem risky and foolish, but I’ve walked with God for thirty-eight years, so it doesn’t seem strange to me when He directs me in this way.  Never yet has He failed to provide for me.

And so, on that July day three years ago, I met with a social worker who told me about CEF.  “I know you’re not really homeless and soon you’ll have housing of your own, but you’ll still need to know about community services and ways to make Durham feel like home to you,” she said as she handed me CEF’s number.

I called, and the rest, as they say, is history.  On a Saturday soon after that, I met with Valeria, a lovely young woman attending Duke.  Although far apart in age, we soon found common ground as she was new to the area as well and far from her former home in the West.  She understood my needs, which were primarily for furniture and other basics to set up housekeeping.  By the time we met, I’d found a house to rent.

A Home Meant for Merica

She and others found it a little hard to understand why I needed a 1200 sq. ft. house just for myself, but I knew the place was perfect.  Although I had no one else living with me, I always thought in terms of hospitality.  I needed a room for writing and one for crafting, as well as my bedroom.  I needed a guest bathroom as well as my own.  I considered how many people I could have for dinner, or to come for afternoon tea.  I thought about parties, and even overnight guests I knew the house was just right for me.

What no one knew except me and those who had known me long before was that living in a house was a miracle.  I had suffered for years with clinical depression and severe anxiety, both conditions crippling me in many ways.  I also had PTSD following sexual traumas beginning very early in life.  For nearly a decade in my midpoint of life, I couldn’t live on my own at all.  I spent close to a year in a wheelchair, and almost four years in a nursing home due to debilitating mental and physical issues.  Little by little, with a lot of therapy, I got better and more able to manage life.  When I was at last able to live on my own, I chose apartments so I would never feel alone and vulnerable.

By the time I moved to North Carolina, I had been living on my own for fourteen years.  I was feeling healthier in body and mind than I ever had.  I was ready to try a townhouse in Durham.  I used Rent.com to find a place.  It’s free and a great service that helped me weed out places by looking at them on the Internet.  Even after putting in such criteria as needing central air and a convenient location, there were many that just weren’t right for me.

Coming from the Midwest, one thing I wanted was a porch.  I went to see a townhouse with a porch and a white picket fence.  It looked so charming on the website, but when I saw the interior layout I knew it wasn’t right for me. I went to see another townhome that seemed nice.  It had a fenced-in yard with lots of trees behind it, and I liked that.  Still, I knew it wasn’t “the one.”

A few days later, as I sat at the hotel’s computer, I saw a house I wanted to go see it right away.  The owners wanted to sell it, but they ran out of time before their move, so they put it up for rent.  I knew this was the house for me.  There was a porch across the entire front of it, and there was a fenced-in back yard with trees behind it.  But the way I knew it was my new home was that it had a writing room with built-in desk space.  The layout and location were ideal for me.

Homemaking and Community

Soon, I met my neighbors and found them to be kind and helpful as I settled in.  I rented furniture from a very dear man named Terry at Victory Rentals.  Through CEF, I learned about the Furniture Project, and soon had two nice kitchen chairs, a love seat, a queen size bed, a nightstand, a table, dishes, etc.  Within a short time, I was able to end the rental of furniture, keeping only the washer and dryer.  Eventually, I paid them off and still use them three years later.

Valeria and I focused on other things such as a budget and connecting with other services in the community.  It wasn’t long before I felt like I belonged in Durham and was networking.

It is June three years later, and anyone seeing my home would find it hard to believe I arrived with nothing.  My home is filled with pretty things that make it look like I’ve acquired treasured items over the years.  In reality, most of them came from local thrift stores, but they have happy memories for me as I chose them with care.

I’ve been asked when I became so “crafty,” doing fiber arts and décor items.  I usually just smile and say I’ve been doing it for years.  There is a story to it, though.  I was graduating from high school, and each of us in the Class of 68 carried a long-stemmed yellow rose in the procession.  I was to read the class poem I’d written.  Being a bit nervous, I finished at the podium and returned to my seat afterward and sat on my rose I’d left on my chair.  I sometimes tell people my crafting interests began in high school with pressed flowers!

May 2017 was quite a month.  I bought the house I’ve lived in since moving here, I had a house party and got to see Valeria again along with Janet and many other friends old and new that I’ve made since I came here.

Exactly two months after starting the process to buy the house, I began a relationship with a male companion. His name is Harry, and he is a 16-pound Maine Coon cat.  He is over two feet long and still growing.  He not only moved into my home but into my heart as well.  I adopted him from a local animal shelter.  I know what it’s like to need a forever home.

And so, my story goes on.  As each piece fits into place, I feel more settled, and I make more friends.  I treasure all those I’ve made.  Valeria has moved away now, but we keep in touch.  She will always be part of my life, as will others at CEF and elsewhere who helped me get a foothold in Durham.

I am also finding new writing opportunities and hope to see more of my books in print this year besides the two currently in publication.

The only moving I plan to do now is to move my dear Harry off my keyboard so I can keep writing.

Harry, Merica’s new companion. 

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Unlocking Doors for Affordable Housing

 “I’m sorry, we don’t accept vouchers”—this is what CEF Members and Advocates often hear when they call landlords searching for an affordable place to live.

 

Over the past two years, in Durham’s rapidly-changing housing market, CEF has been working strategically to find ways to bring together the voices of voucher-holders and landlords to listen, understand, and work towards systemic change. In 2016, in partnership with Durham Mayor Bill Bell, we began organizing a series of Landlord Roundtables. This created the Unlocking Doors Initiative, a coordinated system of support for both landlords and tenants that includes crisis intervention, assistance with inspections, a dedicated phone line, as well as a risk mitigation fund.

We are proud to share just a few of the things that came out of the 2017 Mayor’s Landlord Roundtable, which was attended by over 165 people (over 50 landlords and 90 community organizations):

  • Restored Access to New Vouchers: As a result of the event, Durham Housing Authority un-froze a referral pipeline prioritizing people who are ending their homelessness. We set a community goal of leasing up 30 households using Housing Choice Vouchers.
  • Prioritized Housing Issues for Mayoral Candidates: All four Mayoral Candidates attended the event and worked with us to articulate and publish platforms specific homelessness and affordable housing.
  • Public and Community Awareness: News coverage in Indy Week, WUNC, and The Durham Herald Sun has increased chatter and public understanding of housing vouchers and affordable housing issues. The video at the top of this page was produced by CEF and has been watched by over 1000 people!
  • Aligning the Durham Housing Authority with Community Needs: More than ever, the Durham Housing Authority has been engaged in community conversations, and landlords have been engaged in mission-driven affordable housing conversations.
  • Drawing Attention to a New Tenant Protection Initiative: The event was a platform for Legal Aid of NC to make a high-impact announcement of their new eviction diversion initiative.
  • Encouragement to Keep Going: The most resonant piece of feedback we heard from the 2017 Roundtable was the affirmation of continued open, honest conversation.

We are committed to continuing to bring a collaborative, relational approach to local advocacy conversations, that create real system changes to preserve and expand housing access for CEF Members.

Media Coverage

  • INDY Week, July 12, 2017 — SECTION 8 VOUCHER HOLDERS ARE HAVING A HARD TIME FINDING HOUSING IN DURHAM
    • “Since last year’s roundtable, landlords have given feedback on the issues they’ve had with the housing voucher program or reasons why they don’t participate. They said it took too long for tenants to move in after vouchers were accepted, that the waiting period for inspections was too long, and that communication was poor with the DHA.
      In response, the DHA has reduced the time it takes to conduct an inspection of a Section 8 property to one week, down from three. Additionally, the Unlocking Doors Initiative has set up a phone line for questions about the program. The program is also starting a Risk Mitigation Fund to help landlords fix damage caused by tenants that will cover up to $2,000 in damage beyond a tenant’s security deposit.”
  • WUNC 91.5,  July 17, 2017 — THE SEARCH FOR AFFORDABLE HOUSING IN DURHAM
    • “So we had about 200-300 available vouchers we actually could lease out, and we had 6,500 people apply,” said Scott. The Durham waitlist for those 200-to-300 available vouchers was whittled down to 1,500 applicants. But landlords have to want to rent to low-income Section 8 tenants.”
  • The Durham Herald Sun, July 12th, 2017 CITY TO DURHAM LANDLORDS: HELP US HELP THE VULNERABLE
    • “‘It’s heartbreaking when I take them place to place to find a home,’ said Tucker, a peer support specialist at Carolina Community Support Services Inc., which helps families struggling with mental health and other issues. ‘Working with them and seeing the hurt on their face.’ The challenges, she said, include finding a landlord who will accept the voucher. Some charge too much. Some fear their property will be torn up.” “The [Durham Housing] authority recently started holding quarterly landlord sessions, Scott said. Later this year, the Unlocking Doors Initiatives will launch a fund that will cover up to $2,000 in property damage beyond the security deposit. The Housing Authority also created new landlord orientation and materials, and the initiative is offering support for tenants before and after the get housing. “

Special thanks to:

Mayor Bill Bell
Anthony Scott and Denita Johnson (Durham Housing Authority)
Grace Mok (Community Empowerment Fund)
Terry Allebaugh (NC Coalition to End Homelessness)
Nigel Brown (Housing for New Hope)

Sally Wilson (Project Access of Durham County)
Steve Schewel (City Councilperson, Mayoral candidate)
Ryan Fehrman (Families Moving Forward)
Self-Help Credit Union and the Center for Responsible Lending
Valaria Brown (Alliance Behavioral Health Care)
CEF Volunteers

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Unlocking Doors Video

Produced by CEF for the Unlocking Doors Initiative and the 2017 Mayor’s Landlord Roundtable.

The Unlocking Doors Initiative is a partnership between landlords, non-profits, the City and the Durham Housing Authority. With visionary new leadership at the DHA and a groundswell of community support, we are at a crucial juncture in Durham. Mayor Bill Bell has issued a challenge for us to lease up individuals and families, including veterans, to permanently end their homelessness. Landlords and non-profits, will you consider joining us as a Key Partner?

Learn more at unlockingdoorsdurham.org

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Earl

Growing up and Getting Started

No Matter What. That is what the bracelet on Earl’s wrist reads.  Earl has been sober for 15 months and counting but his memories are fresh from when that was not the case. Earl has been meeting with his Advocate Steven in the Chapel Hill office, pursuing savings and securing employment alongside a 12-step recovery program.

Born in Charleston, South Carolina, Earl grew up in a large family. “My mother and father had 12 kids, my father was a hardworking man… I’ve seen a lot of things in a young stage that’ve helped me become the person I am today…There was a lot of love,” shares Earl, but “I grew up in an unstable home.” Earl recalls how certain things shaped his relationship with finances. Where I’m from it wasn’t just about savings, it was about trying to survive… my father never had a bank account, never wrote checks so my mother didn’t either.

When Earl first came to CEF in March of 2016, he was skeptical. “You know, I wasn’t sure about what, you know, I could get from CEF. But I found a lot of students from UNC—they really care about the community. They volunteer their work. I know that when people volunteer their work, they’re here for a purpose… I remember my first day at orientation, it started right then and there. There was so much that they offered me to do. They put the guidelines for what I can and can’t do but it was up to me as an individual to follow those guidelines. It was like being in school, if you don’t do the assignment, what’s the good of being in class.

Finding Work and Financial Stability

At CEF, his consistent Advocate meetings manifested into a successful job search where Earl secured full-time employment at the Carolina Ale House. “The job search it was an experience, most of the jobs I had were daily paid labor. I understood I didn’t want that type of job anymore”.  Although the restaurant recently closed, he feels more prepared now for the job search than he did before. “We’re not finished yet. We’re looking for a job. But now I know how to approach it. He’s (Steven’s) already setting the guidelines for me, he’s already helping me prepare for tomorrow… That’s what I learned from CEF. Preparing myself for the future.”

Earl also spends his meetings with Steven working on finances, which includes disputing debts and created payment and budget plans. By making consistent savings deposits, Earl has saved just shy of $4,000. “I came by Tuesday and put $500 in my savings because I know it’s the right thing to do. I love the idea, I really do, of having a savings account.” Earl also opened a bank account at Coastal Federal Credit Union to build even more savings and have access to a checking account! Now, I go to a bank and they know my name. ‘Hey Earl, how you doing Earl?’  Even when I’m not there to cash a check I still go in there, talk my banker, talk about ball, talk about how my life is going.” Earl told us that his banker even offered to be a reference for prospective employers, “she sees something in me that I didn’t see when I first started to open my bank account.”

It’s About Relationships and Family

Earl is paired with Steven but that does not stop him from building connections with other CEF Advocates. “I gave a couple of advocates some names like ‘Sarah Salad,’ ‘Sarah Hotdog,’ ‘Chocolate Ice Cream’, you know, because that’s the kind of bond I built with them.”

Earl with CEF Advocates at the Financial Independence Day celebration

Earl only has words of praise for Steven. “It’s all about the relationship that I built with Steven has helped me focus on things in life that I know I am able to achieve…he always has great things to share with me. He always gives me that positive motivation.” More than anything, Earl believes the key to success is partnership. “I don’t want a handout. Just give me a hand… Show me, guide me, pull me along the way.  Just give me that, “you can do it.” That is the hand I need.”

So what exactly is Earl saving for? Family. “I have 3 sons, 3 grandsons and we have never all been together at one time…We’ve never been together. Every day I get a little older. We’ll get together and play a game of basketball…That’s one of the reasons I’m trying to save some money too. One day man, one father’s day man, there’ll be that love, that unity.”

Earl and his Advocate Steven in the Chapel Hill office

 

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Mayor’s Landlord Roundtable 2017

Contact: Janet Xiao
Tel: 919-797-9233
Email: janetx@communityef.org

Contact: Grace Mok
Tel: 516-499-0393
Email: gracem@communityef.org

MAYOR BILL BELL TO HOST THE 2017 MAYOR’S LANDLORD ROUNDTABLE

A community gathering regarding housing vouchers and affordable housing

Mayor Bill Bell will convene the 2017 Mayor’s Landlord Roundtable—the second annual gathering of landlords, Durham Housing Authority (DHA) leadership, non-profits and community members—to continue a discussion about housing vouchers and affordable housing in Durham.

The Roundtable will take place on July 11 from 10:00am to 11:30am at the Temple Building in downtown Durham. The event is organized by the Unlocking Doors Initiative—a partnership working toward affordable housing in Durham—and will be open to the public. An RSVP is preferred but not required. Over 130 people attended last year, including 48 landlords and property management companies and representatives from over 50 organizations.

A roundtable conversation with landlords and property managers on how the private sector can engage in affordable housing efforts will be the focal point of the event. After a short welcome from Mayor Bell, the Durham Housing Authority CEO Anthony Scott will provide an update on their progress since the 2016 Roundtable. The Unlocking Doors Initiative will also provide opportunities for landlords to create affordable housing partnerships with area nonprofit organizations.

The event will also be an opportunity for community members to learn about and show support for Housing Choice Vouchers. Previously known as Section 8 Vouchers, the program is administered by the U.S. Department of Housing and Urban Development (HUD). HUD describes the program as “the federal government’s major program for assisting very low-income families, the elderly, and the disabled to afford decent, safe, and sanitary housing in the private market.” Vouchers are considered a tool to end homelessness and increase affordable housing opportunities.

The Roundtable takes place as Bell enters the end of his tenure as Durham’s mayor. It also takes place soon after the City awarded a $4 million grant to DHA to repurchase Fayette Place and after the Durham City Council approved an increase to the City’s dedicated housing fund. City Council and the four mayoral candidates Farad Ali, Pierce Freelon, Kershemia “Shea” Ramirez and Steve Schewel have received personal invitations to the event.

About the Unlocking Doors Initiative

The Unlocking Doors Initiative is a partnership initiative between local landlords and property managers, the Durham Housing Authority, and area non-profits. A main goal of the initiative is to increase landlord partnerships with tenants who are returning to permanent housing after a period of homelessness, using housing vouchers as a tool.
To learn more, visit www.unlockingdoorsdurham.org or email us at info@unlockingdoorsdurham.org.

Photographs from the 2016 Landlord Roundtable

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Healthcare Navigators at CEF

In partnership with Legal Aid of North Carolina, CEF hosted Healthcare Navigators in both our Durham office and CEF’s Orange Community Hub weekly in order to assess insurance options through the Healthcare Marketplace and provide targeted support in enrollment for CEF Members.

During the pilot of this partnership (open enrollment for 2017), 52 households were served, with 22 obtaining health insurance directly through the Marketplace and 12 choosing alternative insurance options. Meanwhile, 18 of the households filed hardship exemptions as they could not afford health insurance due in part to the state legislature of North Carolina choosing not to expand Medicaid eligibility under the Affordable Care Act.

Affordable health insurance plays a key role in the financial stability of CEF’s Members by increasing access to preventive medicine and prescriptions, and by protecting gains in savings, credit, and well-being which could all be lost due to a medical emergency without insurance. CEF is grateful for the partnership of this amazing team of Healthcare Navigators, and proud that the results of our collaboration increased access to this critical resource for CEF Members!

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Annual Report 2016 : Transformative Community

“We share these stories, and are reminded just how profound it is to be a part CEF. We share them with gratitude for the whole wide CEF family—Members, Advocates, supporters, and friends. Thank you for reading, writing, and living this story with us!”

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David: Crafting Community

How one Member’s passion for quilting is spreading love and togetherness at CEF 

David believes that every quilt is an opportunity for connection. “Our society is losing that personal touch, and in that process of us making that quilt, if someone is bothered about something, we have the chance to talk about it.”  Originally from Sanford, North Carolina, David moved to Chapel Hill last summer to receive better medical care for his sickness and quickly found himself without a place to stay. “I’ve never experienced homelessness until now.”

David’s passion for quilting is life long. “I have been quilting for 30 years or more. When I was young I couldn’t play outside too much, I used to sew my mother’s clothes and when I got older I took an industrial sewing class.

David was initially connected to CEF through the IFC men’s shelter.  “I wanted to see all I could about all the people around, and I found out about CEF the day during that time I was sick. He (his advocate Kevin) was just like a brother. What I did is a lot of the meetings, and during that time and I was going to Opportunity Class. I was just trying to get a feel for what things were going.” David also enjoys engaging in Talking Sidewalks and CEF’s Advocacy Choir, where he performed for the CEF TED Talk in Memorial Hall this past April. His weekly meetings with his Advocate Kevin, however, sometimes included searching for local quilting groups to join “I liked taking something you would throw away and making something beautiful.”

David with his Advocate Kevin at the 2017 CEF Graduation Celebration!
David passing out fabric from his trove of quilting supplies!

  In February of 2017, David, alongside Kevin, launched the first ever Quilting Circle in the Chapel Hill office. The Quilting Circle allows Members and Advocates to enjoy a community that socializes, relaxes and celebrates each other. “The thing about old-fashioned quilting is that it takes everyone together in the circle to make it. Quilting forces us to talk to each other about things and, in turn, we start to form a strong bond.” Each week, that is exactly what Members and Advocates do, gathering in the CEF office for a collaborative craft and safe space to support and celebrate one another. David, who is currently staying in the shelter, provides all the fabric and supplies himself. He has successfully gotten some supplies donated through the Scrap Exchange in Durham. His quilting projects vary from week to week as he brings new projects to keep people interested and learning. “I just take everything and look at the goodness of it because you can turn everything around and make it pretty, Cause you know, everybody has faults, everyone has needs, everyone is human so live and let live.”

The first quilt is set to be put up in the office this summer. This is my way of giving back for everything y’all have done for me. If it wasn’t for CEF in this moment, in this time, these people would not be able to come together and make something so beautiful.”

So what is David looking forward to? ”To be in my own place so I can keep on quilting. I am going to quilt and sew until the day I leave the earth.”

Sound amazing?  Come to Quilting Circle any Thursday at 6:00pm in the Chapel Hill office and see for yourself! No experience necessary.

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Financial Independence Day 2017

The CEF Community is proud to announce the 6th annual Financial Independence Day on Saturday July 8th at Umstead Park in Chapel Hill. Join us as we celebrate member savings, accomplishments and financial freedom!

Things to get excited about

  • Performances by the infamous CEF Advocacy Choir
  • The Safe Savings raffle with prizes
  • Live entertainment and a showcasing of community talents
  • Arts and crafts and other fun activities for children

Things to know:

  • Carpools are available (make sure to RSVP)
  • Bringing a side dish if you want to share!
  • Bring a chair or a picnic blanket to share if you have extra!
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CEF First-Time Homebuyers!

“I was able to pay off over $5,000 in credit card debt, raised my credit score almost 80 points, maintain a safety net savings account and purchase my first home! Thank you all for your support!”

CEF matched savings accounts now support Members in reaching goals all along the continuum from homelessness to homeownership. We launched a new program in 2016 to support first-time homebuyers with Reinvestment Partners and the Duke Homebuyers Club.

Paige was one of the first 5 CEF Members to successfully purchase their own home during the first year of this collaborative program!

Paige worked incredibly hard and with amazing focus to reach her goal in just ten months. She worked extra jobs in addition to her full-time job at Duke. She participated in CEF’s Financial Coaching, meeting regularly with Donna Carrington (CEF’s Housing Stabilization Specialist) and sharing, “Donna was a great motivator and kept me on track with my financial goals.” Paige was able to pay off debts and improve her credit score, which qualified her for an affordable mortgage. Meanwhile, she successfully saved for her down payment and closing costs, receiving a dollar-for-dollar match from CEF!

Paige is proud to be a homeowner. One of the best parts? Her mortgage payment is actually cheaper than her rent payments were, and she is building an asset for the long term.

CEF is supporting this pilot program for first-time homebuyers in Durham in collaboration with Reinvestment Partners, the Duke Homebuyers Club, and the Duke University Office of Durham & Regional Affairs. The Homebuyers Club partnership brings together incredible resources for the participants, including homebuyer education and credit assessment through Reinvestment Partners, and a wide array of community experts through Duke’s partnerships, including attorneys, appraisers, and credit unions.

Meanwhile, CEF provides our one-on-one financial coaching so that participants like Paige can take action steps in building credit, budgeting to reach their goals, and accessing resources. In just the first year of this pilot collaboration, we have seen amazing results.

Since the Homebuyers Savings program began, results from April 2016 – April 2017 include:

  • Pilot participants have built $16,864 in savings towards the purchase of their first homes.
  • 5 of the first 9 members have already bought their homes, with the remaining participants well on their way towards achieving their goal within the 18-month pilot period!
  • Members are saving on average $144 each per month
  • 67 one-on-one coaching sessions completed with members in 1 year
  • 85% of program participants are women
  • 100% of program participants are people of color
  • Thus far, mortgage payments for these homebuyers are less expensive than their monthly rent payments were previously.
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CEF: Community Empowerment Fund

Chapel Hill: 919-200-0233 Durham: 919-797-9233

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