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        <td align="left" valign="top"><div>          CRA-NC is a 501(c)3 nonprofit. Its board is self-selecting. With an emphasis on diversity and a commitment to <br />
          advocacy, the board represents minority and low-income communities, nonprofit community developers, housing <br />
          service agencies, credit counseling agencies, and fair housing and legal services. CRA-NC's board members play <br />
          roles at the local, state, regional and national levels.<br />
