Lucy M. Delgadillo Utah State University (As of January 2011)

Lucy M. Delgadillo Utah State University (As of January 2011) Department of Family, Consumer and Human Development 2905 Old Main Hill Utah State University Logan, UT 84322-2905 (435) 797-7204 (office) (435) 797-3845 (fax) lucy.delgadillo@usu.edu I. GENERAL INFORMATION Current Position and Title: Education: Associate Professor of Consumer Sciences 1999 Ph.D. Family Life. Utah State University Dissertation: A model of factors correlated to homeownership: The case of Utah. (Received the 2000 Dissertation Research Award, Western Region Home Management Family Economics Educators, Denver, Colorado). 1995 M.S. Political Sciences. Utah State University Thesis: The 1994 presidential campaign in Costa Rica compared to U.S.A presidential campaign: An emotional approach. 1993 Lcda Licentiate in Public Relations (ABD), University of Costa Rica 1992 B.S. Communications: Journalism. University of Costa Rica 1991 B.A. General Broadcasting and Sociology. Murray State University, Kentucky Professional Experience: 2008 Associate Professor, Family, Consumer and Human Development. Utah State University. 2002-2008 Assistant Professor, Family, Consumer and Human Development, Utah State University. 2000-2002 Assistant Professor, Human Environments Department, Utah State University. 1

Fall 1999 Instructor, Human Environments Department. Utah State University. Fall 96-Su 99 Research/Teaching Assistant- Human Environments Department, Utah State University. Summer 97 Winter 96 Statistics and Analysis Consultant for Dr. Doris William, University of Idaho.. Research Associate, Competitive Enterprise Institute, Washington, D.C. 1993-1995 Research/Teaching Assistant- Political Science Department, Utah State University. 1992-1993 Journalist -Newspaper - La Nación, San José, Costa Rica. Awards and Honors: Best Paper Award 2010 for the paper, Disentangling the Differences between Abusive and Predatory Lending: Professionals Perspectives, with Lucas Erickson and Kathleen Piercy. Journal of Consumer Affairs 42 (3). Fulbright Scholar Award, for the year 2009-2010. Researcher of the Year Award, Family, Consumer and Human Development Dept. 2009. Recipient of Housing Impact Award, Housing Education and Research Association, Summer 2008. Recipient of Outstanding Journal Article Award, with Leslie E. Green Pimentel, Association for Financial Counseling and Planning Education (AFCPE), November 2007. In 2006, I was selected to be featured on the 2007 USU Research Calendar in recognition to my contribution to the housing well being of Latino families in Utah. Recipient of Innovative Program Home Buyer Education Award, Utah Extension Association of Family and Consumer Sciences, March, 2001. 2000 Dissertation Research Award. Western Region Home Management Family Economics Educators, September, 2000. Research Assistant of the Year, College of Family Life. Utah State University, March, 1999. Nominated as one of the four individuals for the Robins Award- The Graduate Teaching Assistant of the Year- for Utah State University. 2

Recipient of the Phyllis R. Snow Graduate Endowment at Utah State University, for three consecutive years (1996-1998). Recipient of the graduate student scholarship of American Association of University Women, local chapter, at Utah State University (1996). Scholastic Achievement Award. United States Information Agency, Washington, D.C., 1991. Fulbright Scholarship CAMPUS III (Central America Program for Undergraduate Scholars), 1989-1991. Full scholarship for 30 months at Murray State University, KY. Advisees Honors Master s advisee Samantha Nelson, valedictorian for the College of Master s advisee Leslie E. Green Pimentel was co-recipient of the Outstanding Journal Article Award, Association for Financial Counseling and Planning Education (AFCPE), November 2007. Master s advisee Camille J. Pedersen was featured on 2007 Research Matters USU Publication (p. 14-15) with her thesis Mortgage Default and Neighborhoods: A case study of mortgage default in Weber County. Master s advisee Luke Erickson received the Tessie Agan Dissertation/Thesis Award, Housing Education and Research Association (HERA), October 2006. Thesis: Defining Predatory Mortgage Lending in Utah. II. RESEARCH AND SCHOLARSHIP * indicates co-authored or co-presented with a graduate student. ** indicates co-authored or co-presented with an undergraduate student 1. Refereed Journal Articles *Jewkes, M., & Delgadillo, L. (2010). Weaknesses of Housing Affordability Indices Used by Practitioners. Journal of Financial Counseling and Planning, 21 (1), 43-52. Delgadillo, L., Ralph, L., Horrocks, A,. Roberts, A., Skogrand, L (2009). Making Learning a Family Affair: Principles for Attracting Latinos to Extension Finance Classes. The Forum for Family and Consumer Issues, 14 (2) Available at 3

http://ncsu.edu/ffci/publications/2009/v14-n2-2009-summer-fall/delgadillo- Ralph-Horrocks-Roberts-Skogrand.php *Erickson, L.V., Delgadillo, L.M, & Piercy, K.W. (2008). The need for predatory mortgage education: Expert views. Journal of Extension 46(5). Available at http://www.joe.org/joe/2008october/rb1.shtml. Delgadillo, L. Erickson, L.V. & Piercy K.W. (2008). Disentangling the differences between abusive and predatory lending: Professionals perspectives. Journal of Consumer Affairs 4 (3), 313-334. ** Delgadillo, L., Kelley, C. (2008) Establishing a link between subprime lending, payday lending and housing costs. Housing and Society 34 (2), 119-136. *Green L. E. & Delgadillo, L. (2007). Estimating pre-purchase housing counseling and education costs per client. Journal of Extension 45(6). Available at http://www.joe.org/joe/2007december/tt4.shtml *Delgadillo, L., & Green-Pimental, L. (2007). An analysis of mortgage default clients and mortgage default counseling. Financial Counseling and Planning Journal, 18(1), 31-39. * Pedersen, C., & Delgadillo, L. (2007). Residential mortgage default in low and high minority census tracts. Family and Consumer Sciences Research Journal, 35(4), 374-391. *Delgadillo, L., Erickson, L, & Coster, D. (2006). Concentrations of subprime lending activities, equity risk factors, and bankruptcy filings. Housing and Society, 33(2), 87-107. *Delgadillo, L., Erickson, L., & Lown, J. (2006). Targeting bankruptcy consumer prevention to vulnerable census tracts. Forum for Families and Consumer Issues, 11(2). Available at http://www.ces.ncsu.edu/depts/fcs/pub/forum.html *Delgadillo, L., & Erickson, L. (2006). An exploration of off-campus student housing satisfaction. Journal of Family and Consumer Sciences, 98(4), 5-9. *Delgadillo, L., & Erickson, L. (2006). Spatial analysis of mortgage default in a metropolitan county. Housing and Society, 33(1), 37-46. *Delgadillo, L., & Gallagher, A. (2006). Borrower and mortgage related factors associated with FHA foreclosures. Family and Consumer Sciences Research Journal, 34(3), 204-222. Delgadillo, L. (2006). Demand-side housing policy in Costa Rica: A response to the housing deficit. International Journal of Consumer Studies, 30(1), 95-105. 4

**Delgadillo, L., & Contos, E. (2005). Price of shelter: Housing issues affecting lowincome, new immigrant Latinos. Housing and Society, 32(1), 107-126. Delgadillo, L., Sörensen, S., & Coster, D. (2004). An exploratory study of preparation for future care among older Latinos. Journal of Family and Economic Issues, 25(1), 51-78. Delgadillo, L. (2003). Guidelines for reaching out and counseling low income monolingual Latino clients. Journal of Extension, 41(6). Available at http://www.joe.org/joe/2003december/a5.shtml Delgadillo, L. (2003). Financial profile of first time home buyers in Northern Utah. Housing and Society, 30(1), 86-103. Delgadillo, L. (2001). A model of factors correlated to homeownership: The case of Utah. Family and Consumer Sciences Research Journal, 30(1), 3-36. Hawks, L.K., Williams, D., Delgadillo, L., & Cann, S. (2000). Community vitality indices: Western states rural comparisons. Housing and Society, 27(1), 33-43. Junk, V., Fox, L., Delgadillo, L., Anderson, J., & Olson, M. (1998). Making the most of home pages: The internet and presentation graphics. T.H.E. Journal, 26(1), 66-68. Delgadillo, L., & Dorwart, J. (1998). Home buyer program assists Hispanic families in Northern Utah. Journal of Family and Consumer Sciences, 90(2), 56-59. 2. Manuscripts in Press: 3. Delgadillo, L. Mortgage Default and Well-Being. International Encyclopedia of Housing. 4. Manuscripts under Editorial Review: 4. Manuscripts in Progress: Outcomes of Self Help Programs: quantitative analysis Utilization of Self Help Programs in Utah. Where is Costa Rica regarding Consumer Protection? Effects of Foreclosures in neighborhoods Reliability analysis of the Money Habitudes 5. Refereed Papers and Abstracts in Proceedings *Delgadillo, L (2010). Exploring the Utilization and Outcomes of the 502 Mutual Self- Help Program by Low Income Families in Rural Utah. Housing Education and Research Association Conference Proceedings, Portland, Oregon, November 3-6, 2010, available at http://www.housingeducators.org/conference_2010/2010_hera_conference_pr 5

oceedings_portland_or_100210%5b1%5d%5b1%5d.pdf *Jewkes, M. & Delgadillo, L. (2009) Analysis of housing affordability indices used by practitioners. AFCPE Conference, Scotland, Arizona. November 14-16, 2-4. *Delgadillo, L. M., Jewkes, M., & Erickson, L. (2008). Disentangling the differences between abusive lending, predatory lending and mortgage fraud as defined by different stake holders. Housing Education and Research Association Conference Proceedings CD-Rom, Indianapolis, Indiana October 7-10. *Jewkes, M., & Delgadillo, L.M. (2008). An assessment of housing affordability in a county in a western state. Housing Education and Research Association Conference Proceedings CD-Rom, Indianapolis, Indiana October 7-10. */**Delgadillo, L., Jewkes, M.D., & Ingersoll, D. (2007). Who is going to help borrowers with non-traditional mortgages? Housing Education and Research Association Conference Proceedings, Charlotte, North Carolina, October 23-26, 41-46. **Delgadillo, L., & Kelley, C. (2007). Identifying associations between payday lending and subprime lending. Housing Education and Research Association Conference Proceedings, Charlotte, North Carolina, October 23-26, 47-51. *Jewkes, M.D., & Delgadillo, L. (2007). The application of theories in housing. Housing Education and Research Association Conference Proceedings, Charlotte, North Carolina, October 23-26, 96-101 Delgadillo, L. (2006). Financial illness to be addressed in the future of housing: mortgage defaults and bankruptcies. Housing Education and Research Association Conference Proceedings, Ithaca, New York, October 8-11, 29-32. Delgadillo, L. (2006). What does the future bring to Latino immigrants regarding housing issues? Housing Education and Research Association Conference Proceedings, Ithaca, New York, October 8-11, Addendum. *Green, L., & Delgadillo, L. (2006). An analysis of mortgage default client and mortgage default counseling at a housing financial counseling center. Housing Education and Research Association Conference Proceedings, Ithaca, New York, October 8-11, 37-41. * Green, L., & Delgadillo, L. (2006). The monetary cost of pre-purchase housing counseling and education: a case study. Housing Education and Research Association Conference Proceedings, Ithaca, New York, October 8-11, 42-45. 6

* Erickson, L., Delgadillo, L., & Piercy, K. (2006). Predatory mortgage lending: A professional perspective. Housing Education and Research Association Conference Proceedings, Ithaca, New York, October 8-11, 116-119. *Brown, S., & Delgadillo, L. (2006). Examination of federal flood insurance with implications for housing educators. Brown, S., & Delgadillo, L Ithaca, New York, October 8-11, 110-112. *Stokes, C., Delgadillo, L., Hawks, L.K., & Sowards, R. (2006). Healthy homes Trainthe-Trainer program. A professional perspective. Housing Education and Research Association Conference Proceedings, Ithaca, New York, October 8-11, 73-77. *Delgadillo, L., Erickson, L., & Coster, D. (2006). Geography of consumer bankruptcies and neighborhood characteristics. Consumer Interest Annual 52, Available at http://www.consumerinterests.org/i4a/pages/index.cfm?pageid=4145. *Green, L., & Delgadillo, L. (2005). Mapping the concentration of mortgage default in Weber County. Housing Education and Research Association Conference Proceedings, Denver, Colorado, 36-39. *Johnson, J., & Delgadillo, L. (2005). Setting housing issues on the policy agenda. Housing Education and Research Association Conference Proceedings, Denver, Colorado, 104-105. *Pedersen, C., Nye, K., & Delgadillo, L. (2005). Demographics of borrowers and causes of default or residential mortgages in Northern Utah. Housing Education and Research Association Conference Proceedings, Denver, Colorado, 76-79. *Erickson, L., & Delgadillo, L. (2005). Off-campus student housing: A measure of Value. Housing Education and Research Association Conference Proceedings, Denver, Colorado, 31-33. **Delgadillo, L., & Contos, E. (2005). The price of shelter. Housing issues affecting low income Latinos. Consumer Interest Annual 51. Available at http://www.consumerinterests.org/files/public/contos_thepriceofshelterhousing ssuesaffectinglowincome.pdf Delgadillo, L., McFadden, J., & Hawks, L.K. (2004). Spatial analysis of residential foreclosures in Cache County, Utah. Housing Education and Research Association Conference Proceedings, Chicago, Illinois, 117-121. Delgadillo, L., & McFadden, J. (2004). Demand side housing subsidies in Costa Rica. Housing Education and Research Association Conference Proceedings, Chicago, Illinois, 22-25. 7

Hawks, L.K., & Delgadillo, L. (2004). Energy efficient lighting: An important topic for housing educators. Housing Education and Research Association Conference Proceedings, Chicago, Illinois, 109-113. **Delgadillo, L., & Contos, E. (2004). The price of shelter: Housing issues affecting low income, new immigrant Latinos. Western Family and Economic Association Conference Proceedings Volume 19, Hawaii. *Delgadillo, L., & Gallagher, A. (2004). Borrowers and mortgage related factors associated with foreclosures. Consumer Interest Annual 50. Available at http://www.consumerinterests.org/public/articles/index.html?cat=270 *Delgadillo, L., & Gallagher, A. (2003). Borrowers and mortgage related factors associated with foreclosures. Western Family Economic Association Annual Conference Proceeding. Available at http://www.csus.edu/indiv/a/andersenj/wr/index.html Delgadillo, L. (2003). The state of workforce Latino housing in Utah. Consumer Interests Annual 49. Available at http://consumerinterests.org/public/articles/latinoworkforcehousing_03.pdf Delgadillo, L., & Hawks, L.K. (2002). Financial profile of first time home buyers in Northern Utah. American Association of Housing Educators Proceedings, Minneapolis, Minnesota, 35-38. Hawks, L.K., & Delgadillo, L. (2002). Demonstration house used to promote universal design, energy efficiency, and health indoor environments. American Association of Housing Educators Proceedings, Minneapolis, Minnesota, 48-50. McFadden, J., & Delgadillo, L. (2001). Enhancing community resources through retirement housing facilities. American Association of Housing Educators Proceedings, Big Sky, Montana, 39-43. Delgadillo, L. (2001). Delivering information on consumer protection: How to outreach Hispanics. Consumer Interest Annual 47, Washington, DC. http://consumerinterests.org/public/articles/delgadillo-- Delivering_information.pdf Delgadillo, L. (2001). Preparation and expectations for future care among older Hispanics in Utah: A pilot study. Consumer Interest Annual 47, Washington, DC. http://consumerinterests.org/public/articles/delgadillo-- Preparation_and_expectation.pdf Delgadillo, L. (2000). Living arrangements and future long term and short term care 8

among Hispanic elderly in Utah. American Association of Housing Educators Proceedings, Atlanta, Georgia, 36-40. Delgadillo, L. (2000). Expectations about future care and resources available to older Hispanics in Utah: a pilot study. Western Region Home Management Family Economic Educators. Denver, Colorado, 18-27. Delgadillo, L., & McFadden, J. (1999). A model of factors correlated to homeownership: The case of Utah. American Association of Housing Educators Proceedings Orlando, Florida, 37-40. Hawks, L.K., & Delgadillo, L. (1998). Western States comparison of community vitality: 1980-1990. American Association of Housing Educators Proceedings, Soul: Korea, 70-74. Junk, V.W., Fox, L.K.., Delgadillo, L., Oleson, M.D., & Anderson, J. (1998). Using web pages, netmeeting, e-mail, and presentation graphics in teaching resource management, personal finance, and consumer issues: Professors' and students' point of view. Proceedings of Western Region Home Management and Family Economics Educators, 62-65. 6. Monographs and Other Scholarly Work **Delgadillo, L. & Kelley, C. (2007). Payday loan industry in Utah. Submitted to Utah House Representatives Scott Wyatt and David Litvack, Salt Lake City, Utah. Delgadillo, L. (2006). Latino housing issues in Utah. Salt Lake City, Utah: Utah State Office of Ethnic Affairs. Delgadillo, L. (1999). A model of factors correlated with homeowneship: The case of Utah. Doctoral dissertation. Utah State University. Logan, Utah. 7. Extension Publications Delgadillo, L., Hawks, L. (2009). Closing costs. FL/Homeownership/2009-07 http://extension.usu.edu/files/publications/factsheet/fl_ho_2009-07.pdf Delgadillo, L., Hawks, L., McCay, T. (2009). Completing a Mortgage Loan Application. FL/Homeownership/2009-02. http://extension.usu.edu/files/publications/factsheet/fl_ho_2009-02.pdf Delgadillo, L., Hawks, L. (2009). Making an offer and negotiating the price. FL/Homeownership/2009-24 http://extension.usu.edu/files/publications/factsheet/fl_ho_2009-24.pdf Delgadillo, L., Hawks, L. (2009). Costos de cierre. FL/Homeownership/2009-07S http://extension.usu.edu/files/publications/factsheet/fl_ho-07s.pdf 9

Delgadillo, L., Hawks, L., McCay, T. (2009). Completando la aplicación para la hipoteca. FL/Homeownership/2009-02S http://extension.usu.edu/files/publications/factsheet/fl_ho-02s.pdf Delgadillo, L., Hawks, L. (2009). Haciendo la oferta y negociando el precio. FL/Homeownership/2009-24S http://extension.usu.edu/files/publications/factsheet/fl_ho-24s.pdf Hawks, L.K., & Delgadillo, L. (2005). Living the American Dream. Bankruptcy Education Fact Sheet: Are you ready to purchase a home? Utah State University Cooperative Extension Web site: http://extension.usu.edu/bankruptcy/htm/resources/living#are_you_ready_to_pu rchase_a_home Hawks, L.K., & Delgadillo, L. (2005). Living the American Dream. Bankruptcy Education Fact Sheet: How much income should be devoted to a house payment? Utah State University Cooperative Extension Web site: http://extension.usu.edu/bankruptcy/htm/resources/living#how_much_income_s hould_be_devoted_to_a_house_payment Hawks, L.K., & Delgadillo, L. (2005). Living the American Dream. Bankruptcy Education Fact Sheet: Calculate how much of a house you can afford. Utah State University Cooperative Extension Web site: http://extension.usu.edu/bankruptcy/htm/resources/living#how_to_calculate_ho w_much_of_a_house_you_can_afford Hawks, L.K., & Delgadillo, L. (2005). Living the American Dream. Bankruptcy Education Fact Sheet: The elements of a house payment. Utah State University Cooperative Extension Web site: http://extension.usu.edu/bankruptcy/htm/resources/living#elements_of_a_house_ Payment Hawks, L.K., & Delgadillo, L. (2005). Living the American Dream. Bankruptcy Education Fact Sheet: Steps involved in purchasing a home. Utah State University Cooperative Extension Web site: http://extension.usu.edu/bankruptcy/htm/resources/living#steps_involved_in_pur chasing_a_home Hawks, L.K., & Delgadillo, L. (2005). How to find a reliable contractor. (FL/HO-08 revised). Utah State University Cooperative Extension Web site: http://extension.usu.edu/files/factsheets/factsheetreliablecontractor.pdf Hawks, L.K., & Delgadillo, L. (2002). Home Ownership Fact Sheets: A broker, a realtor Who are they? (FL/HO-16). Utah State University Cooperative Extension, Logan. Hawks, L.K., & Delgadillo, L. (2002). Home Ownership Fact Sheets: Casas de alquiler [Rental housing] (FL/HO-19S). Utah State University Cooperative Extension, Logan. Hawks, L.K., & Delgadillo, L. (2002). Home Ownership Fact Sheets: Cómo encontrar un constructor de confianza [How to find a reliable contractor] (FL-HO-08S). Utah State University Cooperative Extension, Logan. 10

Hawks, L.K., & Delgadillo, L. (2002). Home Ownership Fact Sheets: De qué precio es la casa que usted puede comprar? [How much house can you afford] (FL/HO- 01S). Utah State University Cooperative Extension, Logan. Hawks, L.K., McCay, T., & Delgadillo, L. (2002). Home Ownership Fact Sheets: El costo real de la hipoteca [Real Mortgage Costs] (FL/HO-26S). Utah State University Cooperative Extension, Logan. Hawks, L.K., & Delgadillo, L. (2002). Home Ownership Fact Sheets: Inspección de la vivienda [Home Inspection] (FL/HO-10S). Utah State University Cooperative Extension, Logan. Hawks, L.K., & Delgadillo, L. (2002). Home Ownership Fact Sheets: Rental housing (FL/HO-19). Utah State University Cooperative Extension, Logan. Hawks, L.K., & Delgadillo, L. (2002). Home Ownership Fact Sheets: Su historia de crédito [Your Credit History] (FL/HO-09S). Utah State University Cooperative Extension, Logan. Hawks, L.K., McCay, T., & Delgadillo, L. (2002). Evaluando sus necesidades de vivienda [Assessing Your Housing Needs]. Utah State University Cooperative Extension, Logan. Hawks, L.K., & Delgadillo, L. (1998). Major appliance selection. Extension Cord Newsletter, 1, 10-14. 8. Invited Publications Delgadillo, L. (2008). Latino values and acculturation: What do they have to do with dental care? The Nugget (Sacramento District Dental Society Magazine) Volume 54(1), 12-13. Hawks, L.K., & Delgadillo, L. (2004). How much house can you afford? Opening the door to home ownership. Home Ownership Education Study Guide, 17-18. Delgadillo, L. (1996). Dirty dozen review. CEI UpDate Newsletter 9 (3) (pp. 4-6). Washington, DC. 9. Presentations International: Delgadillo, L. (2010). International Consumer Protection Policies. University of Costa Rica. Political Sciences Academic Master s Program. Course: Debate Actual en Ciencias Politicas (Current Debate in Political Sciences). April 27, 2010, San Pedro, San Jose, Costa Rica. Delgadillo, L. (2010). Consumer Protection Models and its Application to Costa Rica. University of Costa Rica. College of Social Sciences Lectures. June 23, 2010. San Pedro, San Jose, Costa Rica. 11

Delgadillo, L. ( 2010). Modelos alternatives para la Provisión de Vivienda de Interés Social a grupos de bajos ingresos ( Alternative Models for the Provision of Social Housing for Low-Income Groups) National Housing Conference, Discusiones y Reflexiones sobre el Futuro de la Vivienda de Interés Social en Costa Rica (Discussions and Reflections on the Future of Public Housing in Costa Rica). June 24, 2010. San Jose, Costa Rica. Delgadillo, L. (2010). Personal values, self-esteem and Drug Use. Yanauro Quesada Elementary School. Escazu, San Jose, Costa Rica. April 22, 2010. Delgadillo, L. (2003). Examining social-housing issues through political cartoons. Paper presented at the University of Costa Rica, College of Humanities and Social Sciences, San José, Costa Rica, May 22. Delgadillo, L. (2003). Social sciences research in the United States. Paper presented at the University of Costa Rica, Collective Communication Sciences Department. San José, Costa Rica, May 29. Hawks, L.K., & Delgadillo, L. (1998). Western states comparison of community vitality: 1980-1990. Paper presented at American Association of Housing Educators. Soul: South Korea, August 5-8. National: Delgadillo, L. (2010). Exploring the Utilization and Outcomes of the 502 Mutual Self- Help Program by Low Income Families in Rural Utah. Housing Education and Research Association Conference Proceedings, Portland, Oregon, November 3-6. *Jewkes, M. & Delgadillo, L. (2009) Analysis of housing affordability indices used by practitioners. AFCPE Conference, Scotland, Arizona. November 14-16. *Delgadillo, L. M., Jewkes, M., & Erickson, L. (2008). Disentangling the differences between abusive lending, predatory lending and mortgage fraud as defined by different stake holders. Paper presented at Housing Education and Research Association Conference, Indianapolis, Indiana October 7-10. *Jewkes, M., & Delgadillo, L.M. (2008). An assessment of housing affordability in a county in a western state. Paper presented at Housing Education and Research Association Conference, Indianapolis, Indiana October 7-10. *Erickson, L.V., Delgadillo, LM. & Piercy, K. (2008). Insights on predatory mortgage lending. Galaxy III poster session #2, Indianapolis, Indiana. September 17-20. *Erickson, L., Delgadillo, L., & Piercy K. (2007). Perspectives on predatory lending education. Paper presented at the Association for Financial Counseling and Planning Education, Tampa, Florida, November 14-16. 12

**Delgadillo, L., & Kelley, C. (2007). Identifying associations between payday lending and subprime lending. Paper presented at the Housing Education and Research Association Conference, Charlotte, NC, October 23-26. */** Delgadillo, L., Jewkes, M., & Ingersoll, D. (2007) Who is going to help borrowers with non-traditional mortgages. Paper presented at the Housing Education and Research Association Conference, Charlotte, NC, October 23-26. * Jewkes, M., Delgadillo, L. (2007). The application of theories in housing. Paper presented at the Housing Education and Research Association Conference, Charlotte, NC, October 23-26. *Pedersen, C., Delgadillo, L., & Johnson, J. (2007). Mortgage default and neighborhood. Paper presented at the Western Family and Economic Association Annual conference. Tucson, Arizona. January 24-27. Delgadillo, L. (2006). Financial illness to be addressed in the future of housing: Mortgage defaults and bankruptcies. Paper presented at the Housing Education and Research Association Conference, Ithaca, New York, October 8-11. Delgadillo, L. (2006). What does the future bring to Latino immigrants regarding housing issues? Paper presented at the Housing Education and Research Association Conference, Ithaca, New York. October 8-11. *Green, L., & Delgadillo, L. (2006). An analysis of mortgage default client and mortgage default counseling at a housing financial counseling center. Paper presented at the Housing Education and Research Association Conference, Ithaca, New York, October 8-11. * Green, L., & Delgadillo, L. (2006). The monetary cost of pre-purchase housing counseling and education: a case study. Paper presented at the Housing Education and Research Association Conference, Ithaca, New York, October 8-11. * Erickson, L., Delgadillo, L., & Piercy, K. (2006). Predatory mortgage lending: A professional perspective. Poster presented at the Housing Education and Research Association Conference, Ithaca, New York, October 8-11. *Brown, S., & Delgadillo, L. (2006). Examination of federal flood insurance with implications for housing educators. Poster presented at the Housing Education and Research Association Conference, Ithaca, New York, October 8-11. *Stokes, C., Delgadillo, L., Hawks, L.K., & Sowards, R. (2006). Healthy homes Trainthe-Trainer program. A professional perspective. Paper presented at the Housing Education and Research Association Conference, Ithaca, New York, October 8-11. 13

*Delgadillo, L., Erickson, L., & Coster, D. (2006). Geography of consumer bankruptcies and neighborhood characteristics. Paper presented at the American Council on Consumer Interest Conference, Baltimore March 15-17. *Green, L., & Delgadillo, L. (2005). Mapping the concentration of mortgage default in Weber County. Paper presented at the Housing Education and Research Association Conference. Denver, Colorado, October 5-8. *Johnson, J., & Delgadillo, L. (2005). Setting housing issues on the policy agenda. Poster presented at the Housing Education and Research Association Conference, Denver, Colorado, October 5-8. *Petersen, C., Nye, K., & Delgadillo, L. (2005). Demographics of borrowers and causes of default or residential mortgages in Northern Utah. Paper presented at the Housing Education and Research Association Conference. Denver, Colorado, October 5-8. *Erickson, L., & Delgadillo, L. (2005). Off-campus student housing: A measure of Value. Paper presented at the Housing Education and Research Association Conference. Denver, Colorado, October 5-8. **Delgadillo, L., & Contos, E. (2005). The price of shelter. Housing issues affecting low income Latinos. Paper presented at the American Council on Consumer Interest. Columbus, Ohio. April. Delgadillo, L., McFadden, J., & Hawks, L. (2004). Spatial analysis of residential foreclosures in Cache County, Utah. Paper presented at the Housing Education and Research Association, Chicago, Illinois, October 20-22. Delgadillo, L., & McFadden, J. (2004). Demand side housing subsidies in Costa Rica. Paper presented at the Housing Education and Research Association. Chicago, Illinois, October 20-22. Hawks, L., & Delgadillo, L. (2004). Energy efficient lighting: An important topic for housing educators. Paper presented at the Housing Education and Research Association, Chicago, Illinois, October 20-22. **Delgadillo, L., & Contos, E. (2004). The price of shelter: Housing issues affecting low income, new immigrant Latinos. Poster presented at the Western Family and Economic Association, Hawaii, October. *Delgadillo, L., & Gallagher, A. (2004). Borrowers and mortgage related factors associated with foreclosures. Paper presented at the American Council of Consumer Interest. Washington, D.C. April. *Delgadillo, L., & Gallagher, A. (2003). Borrowers and mortgage related factors. Paper presented at the Western Family Economic Association. Salt Lake City, Utah, October. 14

Delgadillo, L. (2003). The state of workforce Latino housing in Utah. Research in progress paper presented at the American Council on Consumer Interest. Atlanta, Georgia, April. Delgadillo, L., & Hawks, L. (2002). Financial profile of first time home buyers in Northern Utah. Paper presented at the American Association of Housing Educators, Minneapolis, Minnesota, October 23-26. Hawks, L., & Delgadillo, L. (2002). Demonstration house used to promote universal design, energy efficiency, and health indoor environments. Paper presented at the American Association of Housing Educators. Minneapolis, Minnesota, October 23-26. McFadden, J., & Delgadillo, L. (2001). Enhancing community resources through retirement housing facilities. Paper presented at the American Association of Housing Educators Proceedings, Big Sky, Montana, 39-43. Delgadillo, L. (2001). Delivering information on consumer protection: How to outreach Hispanics. Poster presented at the American Council on Consumer Interest. Washington, DC. Delgadillo, L. (2001), Preparation and expectations for future care among older Hispanics in Utah: A pilot study. Paper presented at the American Council on Consumer Interest. Washington, DC. Delgadillo, L. (2000). Living arrangements and future long term and short term care among Hispanic elderly in Utah. Paper presented at the American Association of Housing Educators, Atlanta, Georgia, 36-40. Delgadillo, L. (2000). Expectations about future care and resources available to older Hispanics in Utah: A pilot study. Paper presented at the Western Region Home Management Family Economic Educators. Denver, Colorado, 19-21. Delgadillo, L., & McFadden, J. (1999). A model of factors correlated to homeownership: The case of Utah. Paper presented at the American Association of Housing Educator. Orlando, Florida. State and local: *Jewkes, M. D. & Delgadillo, L. M. (2009). How much house can you really afford: Analysis of housing affordability estimates. Utah Association of Family and Consumer Sciences Annual Conference, Tooele, Utah (October 24, 2009). Delgadillo, L. (2008). How to buy a house in the U.S. Community Latino Workshops. Logan Utah. (In April and November). 15

Delgadillo, L. (2008). Representing the Immigrant Experience. O.C. Tanner Symposium. Utah State University, April 4, 2008. Delgadillo, L. (2008). Latinas First Panelist. South Cache Center, Hyrum, Utah March. Delgadillo, L. (2007). Predatory lending in Utah. Paper presented at the Utah Association of Family and Consumer Sciences. Midway, Utah. November 2-3, 2007. Delgadillo, L. (2007). How do I reach cultural balance in teaching, research and service? WGRI Spring Social. Alumni House. Utah State University. April 4. **Kelley, C. & Delgadillo, L. (2007). Payday lending industry in Utah. Poster Presentation Research on Capital Hill. Salt Lake City, Utah. January 7. Delgadillo, L. (2006). Fair housing issues affecting Latino immigrants. Panel member for Utah Bioneers Conference, Logan, Utah. October 20. Delgadillo, L. (2006). Fair Housing Act. Invited guest speaker for FCHD 3210: Family and Cultural Diversity. Utah State University, Logan, Utah. Delgadillo, L. (2006). Building up your self-esteem. Invited guest speaker for Logan South Cache Middle School. Delgadillo, L. (2005). Latinos in the U.S. Culture. Invited guest speaker for FCHD 3210: Family and Cultural Diversity. Utah State University. Logan, Utah. Delgadillo, L. (2003). Borrower and mortgage related factors associated with foreclosure. Invited speaker at the U.S. Department of Housing and Urban Development Mortgage Default-Foreclosure/Fraud Task Force. Salt Lake City, Utah. Delgadillo, L. (2002). Housing discrimination issues. Guest speaker for FHD 3210 Family and Cultural Diversity. Utah State University, Logan, Utah. Delgadillo, L. (2002). Counseling Latino low income monolingual families. Guest speaker for HENV 4460, Financial Counseling. Utah State University, Logan, Utah. Delgadillo, L. (2001). Inviting you to overcome cultural barriers. Keynote speaker for the International Student Week, Utah State University, Logan, Utah. Delgadillo, L. (2000). Marketing to special audiences. Training the Trainers Workshop, Salt Lake City, Utah. Delgadillo, L. (2000). Foreclosures. Training the Trainers Workshop. Salt Lake City, Utah. 16

Delgadillo, L. (2000). Taking care of your new home. Training the Trainers Workshop. Salt Lake City, Utah. Delgadillo, L. (2000). Fair Housing Issues. First time home buyer workshop (Spanish). Logan, Utah. Delgadillo, L. (2000). Advantages and disadvantages of buying a home. First time home buyer workshop (Spanish). Logan, Utah. Delgadillo, L. (2000). Real cost of a mortgage. First time home buyer workshop (Spanish). Logan, Utah. Delgadillo, L. (1998). Advantages and disadvantages of buying a home. First time home buyer workshop. Logan City Hall. Logan, Utah. May 1996. Delgadillo, L. (1996). Does Costa Rica have a freedom of press? Invited guest speaker for Professor Jim Derry, Introduction to Mass Communication. Utah State University, Logan, Utah. Delgadillo, L. (1996). Why is it important to get an internship? Invited guest speaker for Professor Jean Lown, Introduction to Careers. Utah State University, Logan, Utah. Delgadillo, L. (1995). Semiology and semiotic in two Latin American movies: The Mission, & The North. Invited guest speaker for Dr. William Furlong s workshop, Politics through Films and Fictions. Utah State University, Logan, Utah. Satellite Program: Delgadillo, L. (2005). Social and housing issues affecting Latinos in Utah. Satellite Conference for Extension Specialists. Utah State University. Logan, Utah. 10. Chapter-book review Merril, J., Crull, S., Tyler, L., & Carswell, A. (Eds.). (2005). Reviewer for chapter 6, Government role in housing. Introduction to Housing. Prentice Hall: New Jersey. Chapter: Financial Issues of Hispanic Consumers in the US: Current Research and Future Directions. Advances in Consumer Financial Behavior (forthcoming). Springer: England (2008). 11. Grant Activities A results-based management approach for the improvement of the housing finance system in Costa Rica. Co-author Porfirio Guevara. Inter-American Development Bank. December 2009. $30,000. Not funded. RC_USU Grant. Analysis of Outputs and Outcomes of House Bill 144 in Utah. Utah 17

State University. $19,810. Fall 2009. Not funded. Collaborator on Reverse Mortgage Longitudinal Study. Subcontract with Moenkopi Group. Submitted to John M. MacCarthur Foundation. FY 2009-2011. $375,000. Not funded. Principal Investigator on proposal titled, Exploring the utilization of USDA 502 Self- Help program by low income families in rural Utah. Submitted to Agriculture Experimental Station for $29,587 FY 2008-2010. Funded. Principal Investigator on proposal titled, Chapter 12 bankruptcies in the Mountain States. Submitted to American Bankruptcy Institute, $17,613 FY 2007-2008, not funded. Principal Investigator (PI), on proposal titled, An Analysis of impediments to Fair Housing for Layton City. Submitted to Layton City for $12,220 FY 2007, not funded. *Co-Principal Investigator with Luke Erickson as Principal Investigator, on proposal titled, Definition of predatory lending. Submitted to the Utah Real Estate Division for $2000, funded in 2005. Co-Principal Investigator with April Peery as Principal Investigator, on proposal titled, comprehensive housing counseling and predatory lending education. Submitted to the U.S. Department of Housing and Urban Development for $53,852, FY 2005-2006, not funded. Principal Investigator on proposal titled, An analysis of predatory lending, abusive and high cost loans in Utah. Submitted to Community University Research Initiative (CURI) for $13,576. FY 2005-2006 not funded. Principal Investigator with Jean Lown as Co-PI, on proposal titled, Geographic Distribution of Consumer Bankruptcy Filers in Utah. Submitted to the Utah Agricultural Experimental Station for $28,115, funded for FY2004-2005. Co-PI with Tamara Hincks, on proposal titled, HUD Predatory Education and Prevention 2003-2004. Submitted to the U.S. Department of Housing and Urban Development for $7,788, funded for FY 2003-2004. Co-PI with Tamara Hincks, on proposal titled HUD Housing Counseling Project. Submitted to the U.S. Department of Housing and Urban Development for, with PI, Tamara Hincks for $65,999, funded for FY 2003-2004. Principal Investigator, on proposal titled, Housing Needs of Latino Community. Submitted to Community University Research Initiative (CURI) for $27,000, funded for FY 2003-2004. Principal Investigator, on proposal titled, Spatial Analysis of Residential 18

Mortgage Foreclosures and Fringe Lending in the Salt Lake City Metropolitan Area. Submitted to the Department of Housing and Urban Development. Urban Scholars Program for $50,000, not funded for FY 2004 Principal Investigator, on proposal titled, Low income housing policies in Costa Rica. Submitted to the Women and Gender Research Institute for $450, funded FY 2003-2004 Principal Investigator, on proposal titled, Evaluation of First Time Homebuyer Workshop. USU New Faculty Research Grant for $12,472, funded for FY 2001-2002. Principal Investigator, on proposal titled, Developing of an instrument to evaluate First Time Home Buyer Workshops. Women and Gender Research Institute for $1,000, funded FY 2000-2001. 11.a. Travel Grant received Department of Family and Human Development to present the paper, Doing Social Research in the United States, and Examining issues through political cartoons, at the University of Costa Rica, May, 2003, $550. Graduate School Senate, College of Family Life, and Department of Human Environments to present the paper, Western states comparison of community vitality: 1980-1990, at the AAHE International Conference in Seoul, Korea, August, 1998, $1,000. Women and Gender Research Institute, to present the paper, Predictors of rural community vitality: Utah 1980-1990, at the American Association of Housing Educators Annual Conference in New Orleans, October, 1997, $250. Women and Gender Research Institute to do research in Costa Rica for the paper, Women s participation in national-level politics and government: The case of Costa Rica, February, 1994, $500. 11.b. Proposal in Pending Status Assessing the Intermediate Outcomes of Individual Development Account on Student Loans and Homeownership Sustainability. Utah Agricultural and Experimental Station. III. TEACHING Courses Taught, or to be taught at USU (2000-present) Graduate: FCHD 6050 Consumer Theories FCHD 6420/7420 Seminar: Housing Policy FCHD 6400/7400 Seminar: Housing Problems and Issues FCHD 6960 Readings and Conference FCHD 6910 Parenting Seminar (co-teacher) 19

Undergraduate: HENV 2280 Family Economics: Role, Gender and Work HENV 3320 Management and Decision Making FCHD 3310 Consumer Policy FCHD 3340 Housing: Societal and Environmental Issues FCHD 4250 Advanced Internship FCHD 4910 Creative Projects/Independent Studies FCHD 5340 Housing Finance and Regulations Courses under supervision/administrative responsibility for other Departments PSY 380 Introduction to Education and Psychology Statistic (Tutor sessions) (1996) PS 204 Comparative Politics (Political Sciences Dept) (1995) SPA 104 Intensive Spanish (Lab session) (Language and Philosophy) (1995) Involvement in Graduate Program: Master s Committee Chair (FCHD): Jordan Aaberg, 2009* Realtors perceptions of First Time Home Buyers Knowledge of Home Purchase Process Samantha Nelson, 2009* Housing Related Factors Associated with Marital Satisfaction Lucas Martin, 2008* Outcomes of 502 Loans Cindy Stokes, 2007 An Analysis of Reverse Mortgage Clients at the Utah State University Family Life Center Housing and Financial Counseling Melanie Jewkes, 2007 An Assessment of Housing Affordability in Cache County, Utah Jessica Johnson, 2007 Socio-Demographic and Financial Predictors of Discharged Chapter 12 Bankruptcies for Utah, Idaho, and Wyoming Leslie Green, 2006 An Analysis of Mortgage Default Clients and Mortgage Default Counseling at the Utah State University Family Life Center and Financial Counseling Services Luke Erickson, 2006 Defining Predatory Mortgage Lending in Utah Camille Pedersen, 2006 Mortgage Default and Neighborhood: A Case Study of Weber County Amber Gallagher, 2004 Borrower and Mortgage Related Factors Associated with FHA Foreclosures Co-chair: 20

January Webb, master s student, FCSE, 2003 Committee member: Lisa Ralph, Ph.D. student, Dept of Sociology, 2009 Latinos in the Credit Economy Denny Heaton, Ph.D student, Dept. of Secondary Ed, 2008 Resilience and Resistance in Academically Successful Latino Students Kent Pena, master s student, Math and Statistics, 2007 Assessment of Utah Bankruptcies Michelle Davis, master s student, FCSE, 2002 Steve Kearl, master s student, I.D, 2002 Jerry Cook, Ph.D student, FHD, 2002 * indicates thesis/dissertation in progress Undergraduate Teaching Fellows Ken Walker Spring, 2011 Paola DeHart Fall, 2010 Bonnie Lichfield Spring, 2009 Jennifer Jenkins Fall, 2009 Jordan Aaberg Fall, 2008 Amanda Horrocks Spring, 2008 Linda Merrill Spring, 2007 McKelle Ralphs Fall, 2006 Melanie Jewkes Spring, 2006 Ashley Wall Spring, 2006 Jennifer Keil Spring, 2005 Beth Butterworth Spring, 2005 Heather Bankhead Spring, 2004 Undergraduate Honors Thesis/Project Paola DeHart Fall, 2009 502 Self Help Loans Nick Sorensen Spring, 2009 How to Start a Franchise Samantha Nelson Spring, 2009 Outcomes of 502 Loans Craig Kelley Fall, 2008 Payday Lending in Utah Gabriel Lucero Spring, 2008 Alternative Ideas for Affordable Housing Amy McCoy Spring, 2007 LDS Teachings and Family Finance Melanie Fairbanks Spring, 2007 Purchasing a Second or Investment Home Elizabeth Contos Spring, 2006 Price of Shelter News articles, radio programs, and newsletters in which I have been interviewed: Guzman-Leon, Juani (inteviewer). Políticas Internacionales del Consumidor (Consumer Internacional Policy). Programa Desayunos de Radio Universidad (96.7 FM) 21

June 14, 2010, 7 a.m. San Jose, Costa Rica. Campos-Cruz, Gilberto (interviewer). Estrategias para la Protección de los Consumidores (Strategies for Consumer Protection). Programa Radial, Consumidores Activos (107.1 FM) June 1, 2010, 8:00 a.m. San Jose, Costa Rica. Fulton, Ben. (March 29, 2010). USU compiling Latino voices. Salt Lake Tribune A1-A8. Longobardi, Elinore (2009). How subprime killed predatory. Columbia Journalism Review. Sept/Oct page 45-49. Mast, Tom (May 2, 2008). Home ownership strengthens communities, expert says. Casper-Star Tribune online. Available at http://casperstartribune.net/articles/2008/05/02/news/casper/bdf8d38b57fda69687 25743c00735c13.txt Lux, Kelly. (2008). For sale: Pricing, preparation and research tickets to selling a house quickly. The Herald Journal. C1-C2, Logan, Utah. Didericksen, E. (2007). Latino families provided with home and school help. 2007 Research Calendar (April month). Utah State University. Hagar, S. (Nov 28, 2006). The typical first-time buyer isn t so easy to describe these days. Walla Walla Union-Bulletin. Washington State. Available at www.unionbulletin.com. Hillhouse, V. (Nov 24, 2006). Homeownership more than just a piece of the American Dream. Walla Walla Union-Bulletin. Washington State. Available at www.union-bulletin.com. Prokopy, J.G. (October, 2005). Tricky translations. A professional offers advice. ASHI Reporter, 22(10), 23. MacKay, M. (October 5, 2005). Good landlord! Survey says landlord is the key to housing happiness. The Utah Statesman, p1. Logan, Utah.. (June 6, 2005). Housing barriers for immigrants. Utah State Today Online News. Research Matters section. Logan, Utah. Nelson, D. (May 15, 2005). Hispanics face local housing hurdles. The Herald Journal, pa1. Logan, Utah. Oberbeck, S. (April 9, 2005). Fund focuses on family, kids. The Salt Lake Tribune, pe1- E8. Salt Lake City, Utah. Oberbeck, S. (January 9, 2005). Homeowners face foreclosure threat. The Salt Lake Tribune, A11. SLC, Utah. Inform Design. (July 15, 2003). Factors related to owning a home. Available at 22

http://www.informedesign.umn.edu/rs_detail.aspx?rsid=1384 Wiser, A. (September 3, 2001). Making a fashion statement. International Women s day blends fashion, feminism to teach diversity. The Utah Statesman, Utah State University. Logan, Utah. (Fall 2000). Outreach initiatives. USU Affirmative Action Equal Opportunity Newsletter, 1(2), p 7. IV. SERVICE Membership in Academic, Professional, and Honorary Societies: American Council on Consumer Interest (2001-2006) Housing Education and Research Association (HERA), formerly known as American Association of Housing Educators (AAHH) (1996- present) Western Family and Economic Association (2000-2003, 2004, 2005) Phi Kappa Phi (National Honor Society), (1995-present) 1. Professional Service: International: Spring 2010 Present Parent and Teacher Committee Treasurer. Yanaurio Quesada Elementary School. San Rafael, Escazu, San Jose Costa Rica. Ad-Hoc reviewer, International Journal of Consumer Studies (IJCS) National- Regional: 2009-2013 Utah Housing Corporation Board of Trustee 2008-present Ad Hoc Reviewer, Journal of Urban Affairs, Family and Consumer Sciences Research Journal, Housing and Society, Journal of Family and Economic Issues, Journal of Financial Counseling and Planning. 2007-2008 United Way Salt Lake City. Financial Stability Council. Housing Group Consultant 2007-2009 Chair, Research Section. Housing Education and Research Association (HERA) 2006-2007 Member, Nomination Committee (HERA) 2005-2006 Member, Academic and Publishing Committee (HERA) 2005-2007 Editorial Review Board, Housing and Society Journal 2005-2006 Consultant, American Society of Home Inspectors (ASHI) 2004-2006 Co-Director. Housing Education and Research Association 23

2005-2006 Reviewer. HERA Annual Conference 2003-2006 Member/Reviewer, American Council on Consumer Interest Applied Research Award 2002-2003 Member/Reviewer, Tessie Agan Award. American Association of Housing Educators (AAHH) 2002 Ad-Hoc reviewer, Journal of Family and Consumer Issues (JFCS) 2001 Co-Editor Conference Proceedings. American Association of Housing Educators (AAHH) 5. University and Department Service 2010-13 Faculty Senate. Senator for College of Education. FCHD Department. 2008-09 Faculty Senate. Senator for College of Education. FCHD Department. 2008 Moderator. Session Representing the Immigrant Experience. O.C Tanner Symposium. April 3, 2008. 2008 Presenter. USU Special Collection s Latino /Latina Voices Project. O.C. Tanner Symposium, April 1, 2008 2007-2008 Consultant for Tanner Symposium, Western American Studies 2007-2008 Consultant for Latino/Voices Project. USU's Special Collections 2007-2010 Member, Graduate Admissions and Finance, FCHD Department 2007-2009 Member, Assessment Committee, FCHD Department 2005-2007 Chair, Comprehensive Exams Committee, Consumer Sciences Area 2006-2007 Member, Honor Committee, FCHD Department 2006-2007 Member, Search Committee for Extension Position, Fall 06-Sp 07 2005 Member, Search Committee for Family Life Center Director, Sp-Sum 05 2005-2006 Member, Graduate Program Committee, FCHD Department 2003-2006 Member, Undergraduate Program Committee, FCHD Department 2003-2004 Member, Honor Committee, FCHD Department 2003-2004 Reviewer, College of Education Proposal Review for Thesis and Dissertations 24

2001 Member, Family Life Scholarship Committee for Human Environment Department, College of Family Life 2000-2003 University Faculty Advisor, Amauta Seminar (USU Multicultural group for promoting diversity) 2000-2003 Advisory Board Member for Family Life Center 1998-2001 Translator, and Co-organizer of First Time Home Buyer Workshops for Family Life Center 1997-2000 Translator, Family Life Center. Interpreter in counseling sessions, translator of several fact sheets, and co-organizer of the First Time Home Buyer Workshops (1999-2000) 1997-1998 Chair, Scholarship Committee. American Association of University Women. Utah State University- Logan Branch, Utah 3. Community Service 2005-2007 Consultant, Multicultural Center of Cache Valley Executive Board 1996-2004 Treasurer/Secretary Multicultural Center or Cache Valley Executive Board 1999-2001 Chair, Cultural Awareness Sub-Committee. Hispanic Center 25