This contact serves both Iowa and Nebraska. The American Bar Association's Young Lawyers Division (YLD) and the Federal Emergency Management Agency (FEMA) have a Memorandum of Understanding creating the Disaster Legal Assistance Program. The memorandum requires the YLD to provide pro bono disaster related legal services to low-income victims of a federally-declared disaster when asked to do so by FEMA. One means of delivering legal services is through a disaster hotline, but YLD also employs clinics and disaster resource centers as well.