Legislation Details

File #: HIST-18602    Version: 1 Subject:
Type: Historical Status: Public Hearing
In control: City Council Meeting Agenda
On agenda: 1/30/2012 Final action: 1/30/2012
Title: JOINT CITY COUNCIL/CULVER CITY HOUSING AUTHORITY AGENDA ITEM: PUBLIC HEARING For - (1) Adoption of a City Council Resolution Making Certain Findings and Approving a Disposition and Development Agreement and the Sale of Property at 4044-4068 Globe Avenue, Culver City to Habitat for Humanity of Greater Los Angeles; and (2) Adoption of a Housing Authority Board Resolution Making Certain Findings and Approving a Disposition and Development Agreement with Habitat for Humanity of Greater for the Construction of 10 Affordable Ownership Units located at 4044-4068 Globe Avenue, Culver City; and (3) Approval of a Budget Amendment Appropriating Housing Set Aside Funds.
Attachments: 1. JOINT CITY COUNCIL/CULVER CITY HOUSING AUTHORITY A - JPH-1__CDD_JOINT PUBLIC HEARING_Globe.pdf, 2. JOINT CITY COUNCIL/CULVER CITY HOUSING AUTHORITY A - JPH-1_12-01-30_ATT_Globe DDA.pdf
City of Culver City, California Agenda Item Report Page 1 of 10 Meeting Date: January 30, 2012 Item Number: JPH-1 JOINT CITY COUNCIL/CULVER CITY HOUSING AUTHORITY AGENDA ITEM: PUBLIC HEARING For - (1) Adoption of a City Council Resolution Making Certain Findings and Approving a Disposition and Development Agreement and the Sale of Property at 4044-4068 Globe Avenue, Culver City to Habitat for Humanity of Greater Los Angeles; and (2) Adoption of a Housing Authority Board Resolution Making Certain Findings and Approving a Disposition and Development Agreement with Habitat for Humanity of Greater for the Construction of 10 Affordable Ownership Units located at 4044-4068 Globe Avenue, Culver City; and (3) Approval of a Budget Amendment Appropriating Housing Set Aside Funds. Contact Person/Dept.: Tevis Barnes John Fisanotti Phone Number: (310) 253-5782 (310) 253-5767 Fiscal Impact: Yes [X] No [] General Fund: Yes [] No [X] Public Hearing: [X] Action Item: [] Attachments: [X] Commission Action Required: Yes [] No [] Date: Public Notification Notice by US Postal Service to all property owners/occupants and businesses within a 500 foot radius of the site (approximately 490 recipients) (1/12/2012 and 1/23/2012); and by e- mail to the Master Notification List (1/27/2012) and published on in the Culver City News on January 12, 2012 and January 19, 2012. Meetings and Agendas – City Council (1/27/2012.) Department Approval: Sol Blumenfeld: (01/26/12) City Attorney Approval: Carol Schwab (01/26/12) Agency General Counsel Approval: Murray O. Kane: (01/26/12) Chief Financial Officer Approval: Jeff Muir (01/26/12) City Manager/Executive Director Approval: John M. Nachbar (01/26/12) RECOMMENDATION: Staff recommends the City Council: (1) Adopt a resolution pursuant to Section 33433 of the California Health and Safety Code making certain findings and approving a Disposition and Development Agreement and the sale of 4044-4068 Globe Avenue, Culver City, which was purchased by the Culver City Redevelopment Agency with Housing Set Aside Funds (Attachment No. 1); and (2) Approve a budget amendment appropriating $1,262,500 from the Housing Set Aside Fund (which are now held in one of the City’s Special Revenue Fund). A budget amendment requires 4/5ths vote. City of Culver City, California Agenda Item Report Page 2 of 10 Staff recommends the Housing Authority Board: (1) Adopt a resolution making certain findings and approving a Disposition and Development Agreement (DDA) (Attachment No. 3) between the Culver City Housing Authority Board (CCHA Board) and Habitat for Humanity of Greater Los Angeles (Developer) for the sale of 4044-4068 Globe Avenue, Culver City and subsequent development of 10 ownership affordable housing units. (Attachment No. 2) PROCEDURE: (1) Presiding Officer seeks motion from the City Council to receive and file the affidavit of publication of notice and all correspondence received in response to the public hearing notices (Attachment No. 5). (2) Presiding Officer calls for a staff report and/or poses questions to staff as desired. (3) Presiding Officer opens the public hearing. (4) Presiding Officer seeks motion to close the Public Hearing after all audience testimony, including any written testimony, has been presented. (5) City Council consider the draft DDA and the proposed sale of the property and arrives at their respective decisions. (6) Housing Authority Board consider the draft DDA and the proposed sale of the property and arrives at their respective decisions BACKGROUND: General Information: In 2005, the Culver City Redevelopment Agency purchased the Site comprised of seven surplus properties from the California Department of Transportation (Caltrans) for $3.1 million with Housing Set Aside Funds. The properties were acquired by Caltrans as part of widening of the 405 Freeway. Caltrans is required to dispose of surplus residential property at less than fair market value to a governmental entity that will use the property for low and moderate income housing purposes. On June 13, 2011 the City Council and Agency Board approved the Developer to create low and moderate income ownership housing and directed staff to negotiate the terms and conditions of an Exclusive Negotiation Agreement (ENA) for the preparation of a DDA. Additionally, Council directed staff to examine reducing the number of required units to 10. The City Council approved an Exclusive Negotiation Agreement (ENA) with the Developer on December 5, 2011 related to a proposed DDA for the construction of 10 affordable ownership housing and acquisition of the Site. City of Culver City, California Agenda Item Report Page 3 of 10 Comprehensive Housing Strategy In March 2008, the Culver City Redevelopment Agency (Agency) reviewed and approved the implementation of Years 1-2 of the Comprehensive Housing Strategy (CHS) 1 in order to prioritize affordable housing project development to address the Regional Housing Needs Assessment requirement and allocate funding.|1010| The approval of the DDA for the Globe project will bring the total of approved affordable housing units to 54. DISCUSSION: Site Description The Globe site consists of seven lots and is zoned R-2, Residential Two Family which allows the development of up to two residential dwelling units per lot. The geometry of the lots created by the freeway and Edison easements resulted in a substandard depth or width for some of the lots. Consequently, it will be necessary to process the project application through a Comprehensive Plan.|1010| A 16.27 foot, non-buildable easement runs along the easterly property line which reduces the developable area to 27,369 sq. ft. The west, north and south sides of the Globe site are bound by single-family homes.|1010| Project Description The proposed Project consists of 10 for-sale traditionally designed, affordable single-family townhome units consistent with the property’s R-2 Zoning (Project). The townhomes will be 3 bedrooms/2 bathrooms. All townhomes will be two stories with the living space on the first floor and the bedrooms on the second floor. One of the townhomes will be fully accessible with a downstairs bedroom and full bathroom. All townhomes will incorporate energy saving appliances and will be constructed using sustainable materials, environmentally-friendly building practices, and solar panels. The townhomes will be built to the Leadership in Energy and Environmental Design (LEED) Silver residential standard and will be at least 10% more efficient than Title 24 requirements. The driveways are configured to prevent the removal of street trees and to retain as much street parking as possible. The current number of street parking available is 13 spaces. The proposed design will result in the loss of 2 street parking spaces reducing the number to 11. A covered carport or attached garage that accommodates two side-by-side parked cars will be supplied to each townhome. Conditions, Covenants, and Restrictions (CCRs) will be imposed on each unit requiring that the areas designated for parking must be maintained at all times to allow for the parking of one car to prevent the use of street parking. The project design will also include trash receptacle storage areas discouraging use of carports and garages for storage of trash containers. Staff was directed by City Council on December 5, 2012 to pursue a Preferential Parking District for Globe Avenue and surrounding streets. The Public Works, Engineering Division is currently investigating the boundaries of the district and the hours of restriction. This City of Culver City, California Agenda Item Report Page 4 of 10 item is projected to be presented for City Council approval in February, 2012. The Developer is investigating the cost to purchase the enforcement signs on Globe Avenue which will be negotiated as part of the DDA. Income and Affordability Restrictions: Five of the townhomes will be sold to low-income buyers (50%-80% of Area Median Income or up to $68,300 for a household of 4 persons) and 5 of the townhomes will be sold to moderate-income buyers (less than 120% of Area Median Income or up to $76,800 for a household of 4 persons). Each townhome will carry a 45-year affordability covenant per California Redevelopment Law (California Health and Safety Code 33334.3 (f) (1) (B)). Public Outreach: A lengthy public outreach process commenced in 2009. The most recent community meeting was held on January 12, 2012 to obtain public input on the preliminary project design and planning.|1010| The next community meeting is scheduled for February 9, 2012. The Developer will also invite the Council and Globe residents to tour their projects and meet Habitat homeowners. City staff from Housing, Redevelopment, Planning, Code Enforcement and Building Safety conducted a tour of the Developer’s Lawndale Project on June 24, 2011. The project was overall impressive and no concerns were noted. Developer Description: Habitat for Humanity International is the largest non-profit home builder in the United States. The organization’s most noted volunteer and spokesperson is former President Jimmy Carter. Habitat for Humanity of Greater Los Angeles (Habitat) was formed on July 1, 1990 and has constructed and rehabilitated over 360 homes in Los Angeles County and 300 homes internationally. Based on a philosophy of involving the local community in their projects, the Developer engages over 10,000 volunteers annually. Habitat has raised $30 million dollars in private donations and sponsorships and been awarded $50 million dollars in Federal, State and local funding. Currently, they hold approximately $18 million in assets. Uniquely, the Developer also acts as a mortgage lender and provides in-house no- interest mortgages to very-low and low-income home buyers. Through their in-house mortgage lending program, 200 mortgages have been issued with a default rate of less than 1% within the past 20 years. The revenue from these loans is used to fund additional loans. Habitat will be the building contractor for the project and the organization will utilize volunteer labor in the construction of the homes. Additionally, the families selected to live in the house will be required to contribute 500 sweat equity hours (250 sweat equity hours for single or disabled households) toward the construction of their home and/or other Habitat for Humanity homes. City of Culver City, California Agenda Item Report Page 5 of 10 Cooperation Agreements On January 15, 2011, the Culver City Redevelopment Agency and the City of Culver City entered into a Cooperation Agreement For Payment of Costs Associated With Certain RDA Funded Capital Improvements and Affordable Housing Projects (“Agency- City Cooperation Agreement”), which provides for the Agency’s payment of costs incurred by the City to bring about the redevelopment of the Culver City Redevelopment Project Area, to accomplish various tasks set forth in the Redevelopment Plan and the Implementation Plan, and to increase, improve and preserve the community’s supply of affordable housing. On January 9, 2012, the City of Culver City approved a resolution pursuant to Assembly Bill No. 26 (2011-2012 1 st Ex. Sess.) designating the Culver City Housing Authority to receive the assets and perform the housing functions previously performed by the Culver City Redevelopment Agency. Additionally, on January 9, 2012 the Culver City Housing Authority approved a resolution accepting the transfer of the housing assets and functions of the Culver City Redevelopment Agency. Furthermore, the City and the Authority have prepared a Cooperation Agreement for Payment of Costs Associated With Certain Redevelopment Agency Funded Low and Moderate Income Housing Projects to provide for the Housing Authority’s implementation of low and moderate income housing projects and programs and to make payments by the City to the Housing Authority for the cost of the Housing Authority to carry out the terms and conditions of the above Cooperation Agreement 33433 Summary Report The sale of the Site is subject to Article 11, Section 33430 et. seq. of the California Health and Safety Code, which requires: (1) a Notice of Public Hearing published for two weeks in the local paper; (2) a report pursuant to Section 33433 prepared and available to the public; a copy of the proposed sale. The summary report pursuant to Section 33433 is Attachment No. 3 and determines that the proposed sale of the Site to the Developer will assist in the elimination of blight and will provide housing for low and moderate income persons. Environmental Determination Pursuant to California Environmental Quality Act (CEQA) guidelines, initial review of the Project by staff established that there are no potentially significant adverse impacts on the environment and the Project has been determined to be exempt from CEQA pursuant to Sections 15192, 15194, and 15195 of the CEQA Guidelines (affordable housing and residential infill exemptions) and Categorically Exempt pursuant to Section 15332, Class 32 (In-Fill Development Projects). The project is consistent with applicable policies of the Low Density Two Family General Plan designation and R2, Residential Two Family Zoning regulations. Furthermore, the City of Culver City, California Agenda Item Report Page 6 of 10 project site is substantially surrounded by urbanized and residentially developed uses and so it has minimal potential as a habitat for endangered, rare or threatened species. Also, the approval of the project would not result in any significant impacts relating to traffic, noise, air quality, or water quality. A Notice of Exemption will be filed with the Los Angeles County Clerk’s office upon approval of the above subject resolutions. FISCAL ANALYSIS: The Agency expended $3.1 million to purchase the Site from Caltrans in 2005. The development costs for the project are estimated at $3.4 million, which equals approximately $336,000 per unit or $249 per square foot of gross building area . Based on an analysis conducted by the City’s financial consultant, Keyser Marston Associates, Inc. (KMA), the Project requires the Developer to purchase the Site from the City for a sale price of $751,000. In addition, the Project requires $1.26 million in direct public financial assistance to achieve financial feasibility. The $1.26 million in direct financial assistance, plus the $751,000 in land costs, will be treated as a loan to the Developer. This equates to a $2.01 million City loan, which will be converted into second trust deed mortgages to the home buyers as each unit is sold. The Developer will obtain a $1.4 million conventional construction loan and anticipates receiving $75,000 in WISH Program funds offered by the Federal Home Loan Bank. In addition, the Developer is committing to receiving $600,000 in Corporate/Faith Sponsorships grants that are awarded from Habitat for Humanity International from cash donations. In addition to the Corporate/Faith Sponsorship provided by Habitat for Humanity International, the Developer will outreach to local businesses/agencies to secure donation of materials, cash and volunteer builders. The Developer is also willing to apply for Cal Home funds from the State of California if funding becomes available next year. If awarded, these funds could be used to reduce the City’s level of financial assistance. The Cal Home Program provides up to $60,000 per unit for units being sold to low income home buyers. Based on the KMA analysis, the market rate sales price of the units is estimated at $450,000 per unit. To make the homes affordable, the low-income affordable sales price is set at $212,000 and the moderate-income affordable sales price is set at $285,300. The Developer will provide first trust deed mortgage loans to the low-income buyers at a zero- interest rate and a 30-year repayment term. The moderate-income buyers will secure first trust deed mortgages from a list of lenders that have established relationships with the Developer. Agency Financial Assistance $1,262,500 Conventional Loan $1,462,500 Corporate/Faith Sponsorship $ 600,000 WISH $ 75,000 Total Project Budget $3,400,000 City of Culver City, California Agenda Item Report Page 7 of 10 To protect the income and affordability covenants being imposed on the Project, each home will be encumbered with a second deed mortgage. These mortgages will not be subject to interest and principal payment obligations until the homes transfer title. The amounts of the second trust deeds are set at $238,000 for the low- income home buyers and $164,700 for the moderate income home buyers, which totals $2.01 million in second mortgages. The $2.01 million in second mortgages will be payable to the City if the unit is resold on an unrestricted basis. As of June 30, 2011, the cash balance of Housing Set Aside funds was $19.6 million ($16.6 million held by the City in fund 482 and $3 million held by the Housing Authority). The subject site, 4044-4068 Globe Avenue, is a real estate asset purchased with the Housing Set Aside Funds and is currently held by the City in fund 482. The Globe Project is identified in the Cooperation Agreement approved by the City in January 2011 and $2.5 million is earmarked for the Project. There are sufficient funds appropriated in the Fiscal Year (FY) 2011-2012 Budget (48297410) to fund the requested assistance. MOTION: That the City Council 1. Adopt a Resolution making certain findings and approving a Disposition and Development Agreement and the sale of 4044-4068 Globe Avenue, Culver City, which was purchased by the Culver City Redevelopment Agency with Housing Set Aside Funds, to Habitat for Humanity of Greater Los Angeles, pursuant to Section 33433 of the California Health and Safety Code; And 2. Authorize the City Attorney to review/prepare the necessary documents; and, 3. Authorize the City Manager to execute such documents on behalf of the City; and 4. Approve a budget amendment appropriating $1,262,500 from the Housing Set Aside Funds (which are now held in one of the City’s Special Revenue Funds). A budget amendment requires a 4/5ths vote. That the Housing Authority Board: 1. Adopt a Resolution making certain findings and approving a Disposition and Development Agreement between the Culver City Housing Authority and Habitat for Humanity of Greater Los Angeles for the 4044-4068 Globe Avenue, Culver City and the subsequent development of 10 affordable ownership residential units; and 2. Authorize Housing Authority Special Counsel to review/prepare the necessary documents; and 3. Authorize the Executive Director to execute such documents on behalf of the Housing Authority. City of Culver City, California Agenda Item Report Page 8 of 10 ATTACHMENTS: 1. Proposed City Council Resolution making certain findings and approving a Disposition and Development Agreement and the sale of 4044-4068 Globe Avenue 2. Proposed Housing Authority Resolution making certain findings and approving a Disposition and Development Agreement 3. Draft Disposition and Development Agreement between the Culver City Housing Authority and Habitat for Humanity of Greater Los Angeles 4. Summary Report pursuant to Section 33433 5. Affidavit of Proof of Publication NOTES: 1. In March 2008, the Agency Board reviewed and approved the implementation of Years 1-2 of the Comprehensive Housing Strategy (CHS). The CHS intends to improve the City’s affordable housing stock and meet housing production requirements under the Regional Housing Needs Assessment (RHNA) through the use of Redevelopment Agency Housing Set Aside Funds. The purpose of the Housing Set Aside Fund is to “preserve, improve and increase the supply of affordable housing” (Health and Safety Code Section 33334.2(a)). Culver City’s RHNA requirement over the next 7 years is 504 housing units, with 294 units designated for very-low, low and moderate income households. The CHS is based on the concept of mixed-income, low-density, scattered site affordable housing developments. Based upon the RHNA requirements, the City must annually develop approximately 17 units of very-low income, 10 units of low-income and 11 units of moderate income housing. During the last RHNA cycle, the City only produced 29% of its allocation of 650 units. Since 2000, the City, on average, only creates 8.1 units of multi-family housing per year and has only created twenty-three (23) units of affordable housing. Regional Housing Needs Assessment Goals for Culver City Number of Units Income Category % of Area Median Income* Max. Income Limits+ 129 Very-low 50 $42,150 80 Low 80 $68,300 85 Moderate 120 $76,800 211 Above Moderate (Market) Above 120 Unrestricted *2011 Los Angeles Median Income = $63,000 +Income Limits based upon a household size of four (4) persons 2. Under RHNA, over the next seven years, the City must create 504 units of housing with 294 of those units being designated for very-low, low and moderate households. The Agency-owned site located at 4044-4068 Globe Avenue is one of three sites identified under Years 1-2 of the CHS. The housing production sites approved for implementation under Years 1 -2 of the CHS are depicted in the chart below. These sites have the potential to yield 71 units which include 54 units designated for very-low, low and moderate income households. On July 26, 2010, the Agency Board approved City of Culver City, California Agenda Item Report Page 9 of 10 an Affordable Housing Agreement for the development of the 4043 Irving Site. This project will yield 28 units of housing with 12 units of affordable housing. On March 21, 2011, the Board approved a Disposition and Development Agreement (DDA) for the development of 32 units of very-low, low and moderate income affordable housing units and 10,700 sq./ft. of commercial space with Los Angeles Housing Partnership. CHS – Years 1 – 2 SITE UNITS HOUSING TYPE AFFORDABILITY 4044-4068 Globe Avenue 10 Townhomes/ Ownership 5 moderate 5 low 4043 Irving Place* 28 Rental Housing Units 16 market 9 moderate 3 low 11042- 11056 Washington Blvd. 33 Mixed-use/Rental 12 moderate 6 low 14 very low 1 manager Total 71 16 market 1 manager 26 moderate 14 low 14 very low 3. Per Section 17.560 of the Zoning Code, a Comprehensive Plan allows for more effective project design in response to site features, including oddly configured or substandard lots. The Comprehensive Plan provides a description of development standards, preliminary site plans with the intent to allow flexibility in the project design in order to create a harmonious environment with surrounding uses. 4. The total easement is comprised of a 16.27 foot easement for the freeway retaining/sound wall footing and ten feet power line easement for Southern California Edison). 5. The Advisory Committee on Redevelopment (ACOR) reviewed the project on January 8, 2009 and March 5, 2009. Public meetings on the project demolition were held on March 16, 2009, and October 5, 2009. The selection of the developer was presented to Council on June 13, 2011. For each of the above activities, public notices were transmitted to all residents and businesses within a 500 foot radius of the Globe Site. The above meetings produced the following public comments: ? Twelve units is too dense for the neighborhood ? Ten units is still too dense for the neighborhood ? Additional driveways would eliminate street trees ? Additional driveways would decrease street parking in front of Globe Site ? Desire to establish a preferential parking district to discourage parking intrusion from adjacent commercial uses City of Culver City, California Agenda Item Report Page 10 of 10 ? Tandem parking garages will not be used ? Only moderate income units ? The homes should be finished in stucco to match the majority of homes across the street from the site As note in the above Project Description, the project design preserves all the streets, eliminates tandem on-site parking, reduces the Project density from the originally proposed 12 to 10 units, and results in the loss of only 2 on-street parking spaces. Additionally, the Developer is investigating a siding material that has the same texture as stucco. 6 Estimated Project Development Cost and City Financial Assistance are depicted below: Units Total Development Cost Financial Assistance 10 $3,364,000 $1,262,500 Per Unit Cost 10 $336,000 $126,250 Per Sq./ Ft. Cost (based on GBA=13,500)* 10 $249 $94 *Gross building area 7 Market Value Buyer Market Value* Affordable Price Silent Second Total Low Income $450,000 $212,000 $238,000 $450,000 Moderate $450,000 $285,300 $164,700 $450,000 *Affordable Price + Silent Second = Market Value 8 Second Trust Deeds Mortgages (silent second) $238 X 5 = $1,190,000 (moderate income second trust deed mortgage) + $164,700 X 5 = $823,500 (low income second trust deed mortgage) = ______________________________ $2,013,000 MEETING DATE: 01.30.12 AGENDA ITEM: PUBLIC HEARING For - (1) Adoption of a City Council Resolution Making Certain Findings and Approving a Disposition and Development Agreement and the Sale of Property at 4044-4068 Globe Avenue, Culver City to Habitat for Humanity of Greater Los Angeles; and (2) Adoption of a Housing Authority Board Resolution Making Certain Findings and Approving a Disposition and Development Agreement with Habitat for Humanity of Greater for the Construction of 10 Affordable Ownership Units located at 4044-4068 Globe Avenue, Culver City; and (3) Approval of a Budget Amendment Appropriating Housing Set Aside Funds. ATTACHMENTS Pages 1. Proposed City Council Resolution making certain findings and approving a Disposition and Development Agreement and the sale of 4044-4068 Globe Avenue 1-5 2. Proposed Housing Authority Resolution making certain findings and approving a Disposition and Development Agreement 6-10 3. Draft Disposition and Development Agreement between the Culver City Housing Authority and Habitat for Humanity of Greater Los Angeles 11-108 4. Summary Report pursuant to Section 33433 109-112 5. Affidavit of Proof of Publication 113 ATTACHMENT 1 1ATTACHMENT 1 2ATTACHMENT 1 3ATTACHMENT 1 4ATTACHMENT 1 5ATTACHMENT 2 6ATTACHMENT 2 7ATTACHMENT 2 8ATTACHMENT 2 9ATTACHMENT 2 10 DISPOSITION, DEVELOPMENT AND LOAN AGREEMENT (4044, 4048, 4050, 4054, 4058, 4062, AND 4068 GLOBE AVENUE) By and Between CULVER CITY HOUSING AUTHORITY and HABITAT FOR HUMANITY OF GREATER LOS ANGELES ATTACHMENT 3 11 i i ATTACHMENTS ATTACHMENT NO. 1 - LEGAL DESCRIPTION ATTACHMENT NO. 2 - LICENSE AGREEMENT ATTACHMENT NO. 3 - SCHEDULE OF PERFORMANCE ATTACHMENT NO. 4 - FORM OF ESCROW AGREEMENT ATTACHMENT NO. 5 - SCOPE OF DEVELOPMENT ATTACHMENT NO. 6 - PROJECT BUDGET ATTACHMENT 3 12 |1010| DISPOSITION, DEVELOPMENT AND LOAN AGREEMENT This DISPOSITION, DEVELOPM ENT AND LOAN AGREEMENT (this “Agreement”) is entered into by and between the CULVER CITY HOUSING AUTHORITY, a public body, corporate and politic, (the “Authority ”), and HABITAT FOR HUMANITY OF GREATER LOS ANGELES, a Californi a non-profit corporation (the “ Developer”) as of January 30, 2012 (“Effective Date”). The Authority and the Developer agree as follows: RECITALS A. The Authority has been authorized to admini ster affordable housing activities within the City boundaries. One major goal of the Authority is to provide affordable owner-occupied housing for low and moderate income households in the City of Culver City (“City”). B. The Authority now owns the Property (a s hereinafter defined) located at 4044, 4048, 4050, 4054, 4058, 4062, and 4068 Globe Avenue. C. The Developer proposes developing 10 for-sale townhome units (the “ Units”), 5 of which to be sold exclusively to Low Income hom ebuyers and 5 of which to be sold exclusively to Moderate Income homebuyers at a sales contract price with financing that is structured to assure that the Purchaser’s total Housing Cost do es not exceed an Affordable Housing Cost (the “Project”). D. The Authority will loan to the Developer funds for the acquisition of the Property and predevelopment and construction of the Project, which will be repaid with second mortgage loans made by the Authority to the purchasers of the Units, subject to the terms and conditions set forth herein. E. It is anticipated that a Federal Home Loan Bank member bank will loan to Purchasers funds from the Federal Home Loan Bank’s Affo rdable Housing Program through its Workforce Initiative Subsidy for Homeownership (WISH) Program. F. In furtherance of the public purposes set forth in California’s Community Redevelopment Law (Health & Safety Code §33000, et seq.) and the Housing Authorities Law of the State of California, Sections 34200 et seq. of the California Health and Safety Code (collectively, the “Housing Law”), and in order to facilitate the Project, the Authority desires to sell the Property to the Developer subject to the terms of this Agreement. G. The sale and use of the Property pursuant to this Agreement, and the fulfillment generally of this Agreement are in the vital and best intere sts of the City of Culver City and the health, safety, morals and welfare of its residents, a nd in accord with the public purposes and provisions of applicable federal, state and local laws and requirements. ATTACHMENT 3 13 Page 2 Now, therefore, for good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, the Authority and the Developer hereby agree as follows: ARTICLE 1 SUBJECT OF AGREEMENT Section 1.1 Definitions For purposes of this Agreement, the following capitalized terms shall have the following meanings: “Acquisition Price” shall mean that amount which the Developer shall pay to the Authority for the Property, which shall be $751,000. “Addendum to Purchaser Grant Deed” shall mean the instrument to be included with all grant deeds from the Developer to purchasers of the Units, in such form as is reasonably agreed to by the Parties, to be dated as of the Closing Date, “Affordable Housing Cost” shall mean Housing Cost that does not exceed the product of (i) 30% times 70% of Area Median Income adju sted for family size appropriate to the unit for Low Income homebuyers or (ii) 28-35% times 110% of Area Median Income adjusted for family size appropriate to the unit for Moderate Income homebuyers. As used in this paragraph, “family size appropriate to the unit” shall equal the number of bedrooms in the unit plus one. “Affordable Housing Program” or “AHP” shall mean the Federal Home Loan Bank’s Affordable Housing Program. “Affordable Purchase Price” shall mean that portion of the Contract Price for a Unit that is equal to the sum of a reasonable down pa yment and the Habitat First Mortgage (the terms of which, based on a 30-year fixed mo rtgage at a zero percent interest rate, will result in a total Housing Cost that does not exceed the Affordab le Housing Cost) for Low Income homebuyers, or a private loan for Moderate Income homebuyers. “Area Median Income” shall mean the median income of the Los Angeles-Long Beach, CA HUD Metro FMR Area, adjusted for family size by HUD (as hereinafter defined), as determined by HUD and published annually by the California Department of Housing and Community Development. “Assignment of Agreements, Plans, Specifications and Entitlements” shall mean an Assignment of Agreements, Plans, Specifications, and Entitlements in such form as is reasonably agreed to by the Parties. “CalHome Program” shall mean that grant and/or loan program available from the California Department of Hous ing and Community Development under California Health and Safety Code Section 50560, et seq., California Code of Regul ations, title 25, Section 7715, et ATTACHMENT 3 14 Page 3 seq., and the respective grant or loan terms esta blished thereunder designed to assist low and very-low income households to become or remain homeowners. “Authority Instruments” shall mean and include this Agreement, the Authority Grant Deed, including the Addendum to Purchaser Grant Deed, the Authority Note, Authority Deed of Trust, the Environmental Indemnity, Notice of A ffordability Restrictions and the Assignment of Agreements, Plans, Specifications, and Entitlements, each in a form that is reasonably agreed to by Developer and the Authority’s Executive Director or designee. “Authority Deed of Trust” shall mean the Deed of Tr ust, Security Agreement and Fixture Filing securing the Author ity Loan, in such form as is reasonably agreed to by the Parties, to be dated as of the Closing Date, executed by the Developer in favor of the Authority and recorded on the Closing Date. “Authority Grant Deed” shall mean the instrument by which the Authority shall convey title to the Property to the Developer on the Closing Date, in such form as is reasonably agreed to by the Parties. “Authority Loan” shall mean that certain loan to be made to Developer by the Authority in the original principal amount of $2,103,500 in accordance with this Agreement, evidenced by the Authority Note and secured by the Authority Deed of Trust. “Authority Note” shall mean the Promissory Note evidencing the Authority Loan in such form as is reasonably agreed to by the Pa rties, to be dated as of the Closing Date and executed by the Developer in favor of the Authority. “Authority Phase I” is defined in Section2.3.1. “Authority Second Mortgage Loan” shall mean a zero interest deferred payment second mortgage loan from the Authority to a Purchaser of a Unit in an amount equal to the sales contract price less the sum of th e Down Payment, the Habitat First Mortgage Loan (or private loan, as applicable), and all subordinate Pu rchaser down payment a ssistance, including the CalHome Mortgage Loan (if any) and the WISH Mortgage Loan (if any). The Authority Second Mortgage Loan shall be eviden ced by a promissory note and secured by, among other things, an Authority Second Mortgage Loan Deed of Trust that is subordinate to the Habitat First Mortgage Loan Deed of Trust (or deed of trust for the private loan, as applicable). “Authority Second Mortgage Loan Deed of Trust” shall mean the subordinate deed of trust on the Property which secures the Authority Second Mortgage Loan, in such form as is reasonably agreed to by the Parties. “Authority Second Mortgage Loan Note” shall mean the promissory note given by a Purchaser to Authority evidenci ng the Authority Second Mortgage Loan in such form as is reasonably agreed to by the Parties. ATTACHMENT 3 15 Page 4 “Closing” or “Close of Escrow ” shall mean the point in time when all conditions precedent to the sale of the Property have been satisfied, in accordance with this Agreement. “Closing Date” shall mean the date of recordation of the Authority Deed of Trust. “Closing Escrow Instructions” shall mean escrow instructions prepared on behalf of the Authority relating to the sale of the Property to the Developer. “Completion” shall mean the point in time when all of the following shall have occurred: (i) issuance of a certificate of occupancy by the City; (ii) recordation of a Notice of Completion by the Developer or its contract or; (iii) certification by the De veloper’s architect that such improvements (with the exception of minor “punch list” items) have been completed in a good and workmanlike manner and substantially in accordance with the approved plans and specifications; and (iv) any mechan ic’s liens that have been reco rded or stop notices that have been delivered have been paid, settled or othe rwise extinguished, discharged, released, waived, bonded around or insured against. “Conditions” shall mean, with respect to the Property, the condition of the soil, geology, the presence of known or unknown faults or defects, or Hazardous Substances, the suitability of the Property for its intended uses, or the condition of any related public improvements. “Construction Loan” means a loan obtained by Deve loper for construction costs associated with the Units to be sold to households of Moderate Income to be secured by all or a portion of the Property. “Developer” shall mean Habitat for Humanity of Greater Los Angeles, a California non- profit corporation, any assignee of or successo r to its rights, powers and responsibilities permitted by this Agreement, including any Habitat for Humanity entity formed by the division of Habitat for Humanity of Greater Los Angeles into one or more separate entities, or the merger of the Developer and/or one or more other Habitat for Humanity entities (such new Habitat for Humanity entity to be referred to in this Agreement as a New Habitat Entity). “Development Costs” shall mean all costs which are actually incurred by the Developer for the acquisition of the Property and the financing, design, development and construction of the Project, and shall include, wit hout limitation, all of the items of cost set forth in the Project Budget and similar costs, fees and expenses as approved by the Authority’s Executive Director. “Down Payment” shall mean the cash payment to be made by a Purchaser towards the purchase price of a Unit. “Draw Request” is defined in Section 2.2.3. “Due Diligence Period” means such period commencing on the date this Agreement is executed by the Authority and terminating on such date as is set forth in the Schedule of Performance. ATTACHMENT 3 16 Page 5 “Escrow Instructions” means the escrow instructions fo r the deposit of the proceeds of the Authority Note into an escrow account in accordance herewith. “Force Majeure” or “Force Majeure Event” shall mean the following events, provided that they actually delay and interfere with th e timely performance of th e matter to which they would apply and despite the exercise of dilig ence and good business practices are or would be beyond the reasonable control of the party claiming such interference: Ac ts of terrorism; war; insurrection; strikes; lock-outs; riots; floods; earthquakes; fires; casualties; acts of God; acts of the public enemy; epidemics; quarantine restricti ons; freight embargoes; lack of transportation; governmental restrictions or priority; litigatio n including litigation challenging the validity of this transaction or any element thereof; unusually severe weather; inability to secure necessary labor, materials or tools; delays of any contractor, subcontractor, or suppliers; acts of the other party; acts or failure to act of any Governmental Authority (except acts or failure to act of the Authority shall not excuse pe rformance by the Authority); the imposition of any applicable moratorium by a Governmental Authority; or any other causes which despite the exercise of diligence and good business practices are or would be beyond the reasonable control of the party claiming such delay and interference. Notw ithstanding the foregoing, none of the foregoing events shall constitute a Force Majeure Event unless and until the party claiming such delay and interference delivers to the other party written notice describing the event, its cause, when and how such party obtained knowledge, the date the event commenced, and the estimated delay resulting therefrom. Any party claiming a Force Majeure Delay shall deliver such written notice within 30 days after it obtains actual knowledge of the event. “Force Majeure Delay” shall mean any delay in taki ng any action required by this Agreement, proximately caused by the occurrence of any Force Majeure Event. “Governmental Approvals” shall mean and include any and all general plan amendments, zoning approvals or changes, re quired approvals and certifications under the California Environmental Quality Act, tentative and final tract maps, variances, conditional use permits, demolition permits, excavation/foundation permits, grading permits, building permits, inspection reports and approvals, certificates of occupancy, and other approvals, permits, certificates, authorizations, consents, orders, entitlements, filings or registra tions, and actions of any nature whatsoever required from any Governmental Author ity in order to commence and complete the construction of the Project. “Governmental Authority” means the United States, the State of California, the County of Los Angeles, the City, the Authority or any other political subdivision in which the Property is located, and any court or political subdivision, agency or instrumentality having jurisdiction over the Property. “Habitat First Mortgage Loan” shall mean a loan made by the Developer to a Low Income Purchaser to be used to pay a portion of the Affordable Purchase Price of the Unit, which, upon the sale of a Unit to a Purchaser, sh all be secured by the Ha bitat First Mortgage Loan Deed of Trust and other security instrument s having a lien on the Property that is senior in ATTACHMENT 3 17 Page 6 priority to the lien of the Authority Second Mortgage Deed of Trust, the CalHome Third Mortgage Deed of Trust (if any), and the WISH Fourth Mortgage Deed of Trust (if any). “Habitat First Mortgage Loan Deed of Trust” shall mean, upon the sale of a Unit to a Purchaser, the first priority deed of trust on the Propert y, in a form reasona bly agreed to by the Authority, which secures the Habitat First Mortgage Loan. “Habitat First Mortgage Loan Documents” shall mean any and all documents executed in connection with the Habitat First Mortgage Loan, including, w ithout limitation, a promissory note, loan agreement and Habitat First Mortgage Loan Deed of Trust, in a form reasonably agreed to by Developer and the Authority’s Executive Director. The Authority shall approve the form of all Habitat First Mortgage Loan Docume nts prior to execution of such documents by a Purchaser. “Hazardous Substances” shall have the meaning set forth in the Environmental Indemnity. “Housing Cost” shall have the meaning set forth in Title 25 California Code of Regulations Section 6920. “HUD” shall mean the United States Department of Housing and Urban Development. “Improvements” shall mean the 10 for-sale townhome units and ancillary improvements to be constructed on the Property in accordance with this Agreement. “License Agreement” means a License Agreement for entry onto the Property by Developer during the Due Diligence Period in su bstantially the form attached hereto as Attachment No. 2. “Low and Moderate Income Housing Fund” shall mean the Low and Moderate Income Housing Fund established by the West Washingt on Area, pursuant to California Health and Safety Code Sections 33334.3 and 33334.6. “Low Income” shall have the meaning given to the term “lower income” in California Health and Safety Code Section 50079.5. The upper income limit for Low Income households shall be the income limits for such households published annually by th e California Department of Housing and Community Development with adjustments for household size. “Marketing and Buyer Selection Plan” shall mean a plan for the marketing of the Units and selection of qualified Purchasers of the Units, to be submitted by Developer to Authority for Authority approval by the date set forth in the Schedule of Performance. “Moderate Income” shall have the meaning given to the term “persons and families of moderate income” in California Health and Safety Code Section 50093(b), adjusted for applicable household size. ATTACHMENT 3 18 Page 7 “Notice of Affordability Restrictions” shall mean the Notice of Affordability Restrictions on Transfer of Property to be recorded concurrently with the recording of the Authority Grant Deed in such form as is reasonably agreed to by the Parties. “Permitted Exceptions” shall mean those encumbrances, liens, taxes, assessments, easements, rights of way, leases, covenants, agreem ents or other exceptions affecting title to the Property as of the date of recordation of the Authority Grant Deed which are not disapproved in writing by the Developer. “Party” means either Authority or Developer, “ Parties” means both Authority and Developer. “Permitted Transfer” shall mean assignment of all or a ny part of this Agreement or any right therein, or the sale, agreement to sell, transfer, conveyance or assignment of the Property or any portion thereof or interest therein to any of the following: a. A New Habitat Entity, as defined in Section 1.4 (b) below; b. A partnership or joint venture in which (i) the Developer, (ii) an entity controlled by the Developer, (iii) a New Habitat Entity , as that term is defined above, or (iv) any combination thereof is a general partner and is in control thereof; c. The admission of additional ne w general or limited partners, or the substitution or deletion of partners to any such partnership or jo int venture set forth in b. above, so long as (i) the Developer, (ii) an entity controlled by the Developer, (iii) a New Habitat Entity, as that term is defined above, or (iv) any combination thereof, continues in control; d. A corporation that is wholly ow ned and that is co ntrolled by (i) the Developer, (ii) an entity controlled by the Devel oper, (iii) a New Habitat Entity, as that term is defined above, or (iv) any combination thereof; e. The granting of easements, licen ses or permits to facilitate the development of the Property; f. The transfer or conveyance of all or any portion of the Property by foreclosure or deed of trust or by transfer in-lieu-of foreclosure thereof, and a subsequent transfer or conveyance of all or any portion of the Property to a third party transferee; and g. The sale or lease pending sale for occupancy of any Unit to a Purchaser in accordance with this Agreement. Except as otherwise provided herein, any tran sfer described in clauses a. through f. shall not require the approval of the Authority’s Ex ecutive Director or designee. Any sale for ATTACHMENT 3 19 Page 8 occupancy of a Unit, as described in clause g., shall be subject to the approval of the Authority’s Executive Director. “Plans” shall mean any architectural and cons truction plans and drawings prepared on behalf of the Developer for Project in accordance with this Agreement. “Project” shall mean the financing, planning, c onstruction and use of the Property as provided in this Agreement. “Project Budget” shall mean the applicable schedule of Project Costs attached to this Agreement as Attachment No. 6, which is incorporat ed herein by this reference, as such Project Budget shall be amended from time to time prior to the Closing. “Property” shall mean the real property, incl uding all improvements thereon, legally described as set forth in Attachment No. 1, which is incorporated herein by this reference. “Purchaser” shall mean a person or family of Low Income or Moderate Income. “Release of Construction Covenants” shall refer to a release of construction covenants in such form as is reasonably agreed to by the Parties. “Restricted Period” shall mean the longest feasible time, but not less than 45 years from the date the grant deed conveying a Unit from the Developer to the initial Purchaser is recorded. “Schedule of Performance” shall refer specifically to Attachment No. 3 hereof, which is incorporated herein by this reference. “Scope of Development” shall refer specifically to Att achment No. 5 hereof, which is incorporated herein by this reference. “Title Company” shall mean Lawyers Title Company, or another title insurance company approved by the Authority’s Executive Director or designee. “Transfer” shall mean the assignment of all or a ny part of this Agreement or any right therein, or the sale, agreement to sell, transfer, conveyance, or assignment of the Property or any portion thereof or interest therein. “Unit” shall mean one of the 10 for-sale tow nhome units to be constructed on the Property and sold to a Low In come homebuyer or a Moderate Income homebuyer at an Affordable Purchase Price in accordance with this Agreement. “WISH” or “Workforce Initiative Subsidy for Homeownership Program” shall mean the Federal Home Loan Bank’s Affordable Housing Program subsidy for workforce homeownership. ATTACHMENT 3 20 Page 9 “WISH Fourth Mortgage Loan” shall mean a loan from a member financial institution to a Purchaser derived from the Federal Ho me Loan Bank’s Affordable Housing Program through its Workforce Initiative Subsidy for Homeownership (WISH) Program, which shall be used to pay a portion of the Affordable Purchase Price of a Unit, evidenced by a promissory note and secured by a WISH Mortgage Loan Deed of Trust, that is subordinate to the Habitat First Mortgage Loan Deed of Trust, the Authority Second Mortgage Loan Deed of Trust, and any CalHome Program mortgage loan d eed of trust (if any). The WISH Mortgage Loan shall be a forgivable loan pursuant to the terms thereof. “WISH Mortgage Loan Deed of Trust” shall mean a deed of trust, in a form reasonably acceptable to the Authority, which shall be subordinate to the Habitat First Mortgage Loan Deed of Trust, Authority Second Mortgage Loan Deed of Trust and CalHome Program mortgage loan deed of trust (if any), which secures the WISH Fourth Mortgage Loan. “WISH Mortgage Loan Documents” shall mean any and all documents executed in connection with the WISH Fourth Mortgage Loan, including, without limitation, a promissory note, loan agreement and WISH Mortgage Loan Deed of Trust, in a form reasonably acceptable to the Developer and Authority’s Executive Direct or. The Authority shall approve the form of all WISH Mortgage Loan Documents prior to execution of such documents by a Purchaser. Section 1.2 Purpose of Agreement a. The purpose of this Agreemen t is to provide affordable housing opportunities in the City of Cu lver City for Low Income homebuyers and Moderate Income homebuyers by providing for the sale of the Property to the Developer, the Loan of the Authority Loan to Developer, the construction of the Units by the Developer and thei r sale to Low Income homebuyers or Moderate Income homebuyers so that their total Housing Cost does not exceed an Affordable Housing Cost. b. Subject to the terms and conditions of this Agreement, Authority shall sell the Property to the Developer, and make the Au thority Loan to Developer, and the Developer shall construct the Improvements and sell the Units to Low Income ho mebuyers and Moderate Income homebuyers at an Affordable Purchase Price. Authority shall provide Authority Second Mortgage Loans to the Purchasers of the Units. The sale of the Property and the construction and use of the Units pursuant to this Agreement, the financial assistance provided to Developer, and the fulfillment generally of this Agreement, are in the public intere st and in accord with applicable federal, state and local laws and requirements. c. The Property is located in the City of Culver City and is currently owned by the Authority; subject to the terms and conditions of this Agreement, the Authority will convey fee title to the Property to the Developer for the Project. d. By this Agreement, and subject to the terms and conditions herein, the Authority desires to finance the acquisition of the Property and certain of the Developer’s ATTACHMENT 3 21 Page 10 predevelopment, development and construction costs, in the form of the Authority Loan to the Developer in the original principal amount of $2,103,500. e. In the event that any general provi sion of this Section 1.2 conflicts with any specific provision of this Agreement, the specific provision shall prevail. Section 1.3 Authority a. The Authority is a public body, corporate and politic, exercising governmental functions and powers, including those existing under the Housing Authorities Law of the State of California (California Health and Safety Code § 34200 et seq.). The principal office of the Authority is located at Attn: So l Blumenfeld, 9770 Culver Boulevard, Culver City, California 90232-0507. b. “ Authority” as used in this Agreement includes any assignee of, or successor to, the Authority’s rights, powers and responsibilities. The Authority represents that it has sole authority to transfer the Property to Developer and make the Authority Loan. Section 1.4 Developer a. The Developer is Habitat for Hu manity of Greater Los Angeles. The principal address of the Developer for purposes of this Agreement is Attn: Erin Rank, 17700 S. Figueroa Street, Gardena, CA 90248. The “ Developer” shall mean the Developer and any assignee of or successor to the rights, powers and responsibilities of the Developer permitted by this Agreement. b. The Developer as used in this Agreement includes Habitat for Humanity of Greater Los Angeles, and any assignee of or successor to its rights, powers and responsibilities permitted by this Agreement, in cluding any Habitat for Humanity entity formed by the division of Habitat for Humanity of Great er Los Angeles into one or more separate entities, or the merger of the Developer and/or one or more other Habita t for Humanity entities (such new Habitat entity to be referred to in this Agreement as a “New Habitat Entity”). Section 1.5 Prohibition Against Transfers a. The qualifications and identity of the Developer are of particular concern to the Authority. It is because of those qualific ations and identity that the Authority has entered into this Agreement with the Developer. No voluntary or involuntary successor in interest of the Developer shall acquire any rights or powers under this Agreement except as expressly set forth herein. b. Prior to the completion of the development of the Property and the issuance of the Release of Construction Covenant s by the Authority, the following shall apply: (i) except for a Permitted Transfer, the Develope r shall not assign all or any part of this Agreement or make (or enter into any agreement to make) any total or partial sale, transfer, ATTACHMENT 3 22 Page 11 conveyance or assignment of the whole or any pa rt of the Property or Improvements without the prior written approval of the Authority; and (ii) except as permitted by this Agreement, this Agreement may be terminated by the Authority, and the Authority may exercise its remedies pursuant to the Authority Loan D eed of Trust, if there is any significant change (voluntary or involuntary) in the identity of the President and Chief Executive O fficer of the Developer, Erin Rank. The parties agree that an assignment of all or any part of this Agreement to Habitat for Humanity International, or any subsidiary thereo f, is hereby approved. The parties further agree that, so long as the Developer remains a non-prof it corporation, a routine change in individual members of the board of directors or officers of the Developer shall not be deemed to constitute a significant change. The Authority shall no t unreasonably withhold, c ondition or delay it approval of any matter for which its approval is required. Any disappr oval shall contain the Authority’s reasons for disapproval. c. For the reasons cited above, the Developer represents and agrees for itself and any successor in interest th at, except as otherwise provided he rein, without the prior written approval of the Authority, there shall be no significant change in the management, the identity of the President and Chief Executive Officer of the Developer or the degree of control exercised thereby, by any method or means. d. The Developer shall promptly notif y the Authority of any and all changes whatsoever in the identity of the parties in control of the Developer or the degree of control (only to the extent such changes have the effect of changing the President and Chief Executive Officer Developer), of which it or any of its officers ha ve been notified or otherwise have knowledge or information. e. Any proposed transferee shall have the qualifications and financial responsibility necessary and adequate as may be reasonably determined by the Authority, to fulfill the obligations undertaken in this Agreem ent by the Developer. Any proposed transferee, by instrument in writing satisfactory to the Aut hority and in form recordable among the land records, for itself and its successors and assign s, and for the benefit of the Authority shall expressly assume all of the oblig ations of the Devel oper under this Agreem ent and agree to be subject to all conditions and restrictions applicable to the Devel oper in this Agreement. There shall be submitted to the Authority for review all instruments and other legal documents proposed to effect any such tr ansfer; and if approved by the Au thority its approval shall be indicated to the Developer in writing. The Au thority shall not be obligated to approve any proposed assignment of the rights of the Developer hereunder if the proposed assignee does not have the qualifications, development experience or financial capability necessary and adequate to fulfill the obligations undertaken in this Agreement by the Developer, or if the Authority’s Executive Director reasonably determines, in light of the public funds being committed hereunder and the public purposes of this Agreement, that such approval is not otherwise in the public interest. Consent to one such transaction shall not be deemed to be a waiver of the right to require consent to future or successive transactions. ATTACHMENT 3 23 Page 12 f. In the absence of specific written agreement by the Authority, no unauthorized Transfer, or approv al thereof by the Authority, shall be deemed to relieve the Developer or any other party from any obligations under this Agreement. g. This prohibition shal l not be deemed to preven t the granting of easements or permits to facilitate the development of the Property or to prohibit or restrict the sale for occupancy of all or any of the Units (except as otherwise provided in this Agreement). This prohibition shall not prevent and does not require written approval from the Authority of the sale, transfer or conveyance of the Property that is a Permitted Transfer. In the case of any proposed Permitted Transfer, as defined in Section 1.1 of this Agreement, the Developer shall submit to the Authority’s Executive Director or designee documentation reas onably demonstrating that the proposed assignment or transfer complies with the standards for a Permitted Transfer described in the definition of the term “ Permitted Transfer” in Section 1.1 of this Agreement. Upon approval of such documentation, which shall not be unreasonably withheld, conditioned or delayed, the Authority’s Executive Director or designee shall c onfirm to the Developer and the proposed assignee or transferee in writing that such transfer complies with the standards set forth in the respective provisions of this Agreement. ARTICLE 2 DISPOSITION OF PROPERTY AND METHOD OF FINANCING Section 2.1 Sale and Purchase In accordance with and subject to all the terms, covenants, and conditions of this Agreement, the Authority agrees to sell the Prop erty to the Developer a nd the Developer agrees to purchase the Property from the Authority for the Acquisition Price. Section 2.2 Authority Loans In accordance with and subject to all the terms, conditions and covenants of this Agreement, the Authority agrees to lend, and the Borrower agrees to borrow, the original principal amount of up to $2,103,500, for payment of the Acquisition Price of construction costs for the Project. The Proceeds of the Authority Loan in an amount equal to $1,262,500 shall be deposited into an escrow account before Febr uary 1, 2012, for disbursement therefrom in accordance with the Escrow Agreement upon satisfac tion of the conditions set forth in Section 2.15 and otherwise in accordance with this Agreement. Upon the sale of the Units to Purchasers, the Authority Loan shall be re paid with the proceeds of the Authority Second Mortgage Loans made to the Purchasers in accordance herewith. 2.2.3 Draw Requests For each disbursement requested under the Authority Loan, Developer shall submit, and Authority shall reasonably approve, a written itemized statement in a form acceptable to Authority (“Draw Request”). Each Draw Request shall set fo rth the following: (i) a description of the work performed or to be performed, mate rial supplied and/or deve lopment costs incurred or due for which disbursement is requested; and (ii) the total amount incurred, expended and/or ATTACHMENT 3 24 Page 13 due for each requested Item, less prior disbursement s, if any. Developer shall attach to the Draw Request invoices or such other appropriate doc umentation to evidence, document, justify and support the request. Approval of each Draw Request shall be subject to satisfaction of the requirements of this Agreement and/or Authority Loan Documents. Authority shall, within 10 Business Days after receipt of a Draw Request containing all of th e items described above, determine the amount of the Draw Request to be approved, notify Developer, and disburse the approved amount, by check or wire transfer to Developer or to the respec tive contractor or subcont ractor. Any item in a Draw Request which is not specif ically approved in writing with in 10 Business Days shall be deemed approved. Authority may disapprove all or part of a requested draw request. In the event Authority disapproves any portion of the am ount requested by Developer (“Disapproved Amount”), Authority shall promptly notify Developer in writing of the Disapproved Amount and the reason for disapproval. In the event of any dispute concerning wh ether any item listed in a Draw Request should be approved for payment, Authority shall disb urse the amount not in dispute, and fund any disputed amounts promptly upon resolution of the dispute. In the event Authority and Developer are unable to resolve any dispute concerning the appropriateness of any item for payment in a Draw Request, Authority shall not deduct the disapproved amount from the Authority Loan, but shall disburse the Disapproved Amount for other approved development costs. Authority and Developer shall seek to resolve any disputes promptly and in good faith. Authority shall have the right to condition any disbursement upon receipt and approval of such documentation, evidence or information that Authority may reasona bly request, including, but not limited to, vouchers, invoices and similar documentation. Section 2.2.4 Terms of Authority Loan The Authority Loan shall be evidenced by the Authority Note and secured by the Authority Deed of Trust, the Assignment of Agreements, Plans, Specifications and Entitlements and other documents mutually ag reed to by the parties and executed at Closing in connection with the Authority Loan (collectively referred to herein as the “Authority Encumbrance”). The remainder of the Authority Loan shall be disb ursed to Developer from Escrow upon satisfaction of the conditions set forth in Section 2.15. The Authority Loan shall bear no interest and shall be deemed repaid as to $238,000 upon the making of an Authority Second Mortgage Loan to each Low Income Purchaser of a Unit, and as to $164,700 upon the making of Aut hority Second Mortgage Loan as to each Moderate Purchaser of a Unit. The foregoing loan amounts expected to be made to Purchasers of the Units constitute the estimated “gap” between the total of the first mortgage loan and the down payment, on the one hand, and the fair mark et value of the Unit upon its sale date on the other hand. In the event the amount of the gap is insufficient to support the repayment of the Authority Loan, any remaining balance of the Authority Loan after the making of each Authority ATTACHMENT 3 25 Page 14 Second Mortgage Loan shall be forgiven, and the Developer shall have no further repayment liability therefore. The Authority Encumbrance shall be senior to any other lien against or security interest in the Property or the Project a nd will be released from each Unit upon the sale of that Unit to a Purchaser in conformance with this Agreement; except that, if required by the maker of the Construction Loan, the Authority Encumbrance ma y constitute a second priority lien against the Property provided that the Authority is afforded customary protections of a subordinate lender, such as notice and an opportunity to cure any default under the Construction Loan. Without the express written consent of the Authority’s Exec utive Director, except for the Construction Loan, the Developer shall not place any encumbrances or permit any such encumbrances to be placed, on or against title to the Property, including s ecurity interests that are subordinate to the Authority Encumbrance. Section 2.1.2 Authority Second Mortgage Loans Authority covenants and agrees to make Authority Second Mortgage Loans in an aggregate amount of $2,103,500 to Pu rchasers of the Units. Each Authority Second Mortgage Loan shall be a deferred payment second mortgage loan from the Authority to a Purchaser of a Unit in the amount and on the terms set forth in the Authority Second Mortgage Loan documents. The Authority Second Mortgage Loan shall be evidenced by the Authority Second Mortgage Loan Note and secured by, among other things, an Authority Second Mortgage Loan Deed of Trust, that is subordina te to the Habitat First Mortgage Loan Deed of Trust, or private loan, as applicable. Moderate Income buyers will be provided a list of lenders working with the Developer and will also receive assistance with the mortgage lending process. The Authority Second Mortgage Loans sh all be disbursed upon satisfaction of the conditions set forth in Section 5.6. Section 2.1.4 WISH Mortgage Loan The WISH Mortgage Loan shall be a loan by a member financial institution to a Purchaser derived from the Federal Home Loan Bank’s Affordable Housing Program through its Workforce Initiative Subsidy for Homeownership (WISH) Program, in an amount not to exceed $75,000.00, which shall be used to pay a portion of the Affordable Purchase Price of a Unit, evidenced by a promissory note and secured by an WISH Mortgage Loan Deed of Trust, that is subordinate to the Habitat First Mortgage Loan Deed of Trust, the Authority Second Mortgage Loan Deed of Trust, and the CalHome Program mortgage loan deed of trust (if any). The WISH Mortgage Loan shall be a forgivable loan pursuant to the terms thereof. The funds are awarded to the buyer and must be applied for four months prior to the sale date. ATTACHMENT 3 26 Page 15 Section 2.2 Escrow The Authority agrees to open an escrow for the sale of the Property, with the Stewart Title Company or with any other licensed escrow company (the “ Escrow Agent”) approved by the Authority and the Developer, no later than the date established therefor in the Schedule of Performance. Not later than the tim e provided in the Schedule of Performance, the Authority shall cause to be prepared and shall deliver to the Escrow Agent instructions for the close of escrow (the “Closing Escrow Instructions ”). The Authority’s Ex ecutive Director, or his designee, and the Developer shall provide such additional or am ended escrow instructions as may be necessary and consistent with this Agreement. Section 2.3 Condition of the Property; Environmental 2.3.1 Phase I Environmental Report Pursuant to the Exclusive Negotia tion Agreement entered into by the Parties in 2011, the Authority agreed to undertake to complete a Phase I Environmental Property Assessment (“Authority Phase I”) no later than six (6) weeks from the effective date of the Exclusive Negotiation Agreement and provide a copy of any reports generated from said assessment to Developer. In lieu of the foregoi ng obligation, Authority agrees to undertake and complete the Authority Phase 1 by the date set fo rth in the Schedule of Performance and provide a copy thereof to Developer within one week of its completion. 2.3.2 Disclosure Within 30 days of the Effective Date of this Agreement, the Authority shall deliver to Developer copies of any repo rts in its possession rega rding the Property (the “Due Diligence Reports”). Other than as may be set forth in the list of Environmental Reports included in the list of Due Diligence Reports prov ided to Developer by Authority, the Authority hereby represents and warrants to Developer that the Authority has not received any prior written notice or communication from a ny government agencies having ju risdiction over the Property, notifying the Authority or any th ird party of, and the Authority has no actual knowledge of, the presence of surface or subsurface zone Hazardous Materials in, on, or under the Property, or any portion thereof. 2.3.3 Developer’s Investigation of the Property Developer shall have the opportunity to investigate the condition of the Properties during the Due Diligence Period. Developer may elect, but shall not be required, to proceed with the Closing prior to the expiration of the Due Diligence Period. Developer represents that except for the representations , warranties and covenants of the Authority contained in this Agreement, it has relied and shall rely solely upon (i) its own expertise and that of Developer’s consultants in purchasing the Pr operties, and (ii) Deve loper’s own knowledge of the Properties based on its investigations and inspections of the Properties. Developer has conducted, or by the Closing will conduct, such insp ections and investigations of the Properties as Developer deemed or shall deem necessary, including, but not limited to, the physical and environmental conditions of the Properties a nd shall rely upon same. Developer acknowledges ATTACHMENT 3 27 Page 16 that the Property Purchase Price reflects the “as is ” nature of this sale and any faults, liabilities, defects or other adverse matters that may be associated with the Properties. During Developer’s Due Diligence Period, representatives of Developer shall have the right to access the Property during regular business hours and upon reasonable Notice to the Authority for the purpose of obt aining data and conducting surveys and tests necessary to reasonably assess the suitability of the Property for the Project. Any surveys and tests conducted on the Property by Developer’s representatives shall be done at the sole expense of Developer and only after (i) Developer has secured any necessary permits from the appropriate governmental agencies and (ii) Deve loper has delivered to the Authority a copy of the Right of Entry and License Agreement (Due Diligence) fully executed and acknowledged by Developer and satisfied the conditions precedent to Developer’s entry onto the Property set forth therein. 2.3.4 Developer Approval or Disapproval of Condition of Property (A) Physical Condition of Property. Developer shall approve or disapprove of the physical condition of the Prope rty within Developer’s Due Diligence Period. Developer’s approval of the physical condition of the Property sha ll be both the Authority’s and Developer’s Condition Precedent to the Closing. If Developer, based upon Developer’s Soils and Engineering Reports, disapproves of the physical condition of the Property, then Developer may, in Developer’s sole discretion, terminate the Escrow and this Ag reement by written Notice to the Authority. (B) Environmental Condition of Property. In addition, Developer shall approve or disapprove of the environmental co ndition of the Property within Developer’s Due Diligence Period. Developer’s approval of the e nvironmental condition of the Property shall be both Authority’s and Developer’s Condition Preced ent to the Closing. If Developer disapproves of the environmental condition of the Property, then Developer may terminate the Escrow and this Agreement by written Notice to the Authority. (C) Notice to Proceed or Terminate. Prior to the termination of Developer’s Due Diligence Period, Developer shall deliver to the Authority and Escrow Agent either (i) Notice of Developer’s intention to proceed with the acquisition of the Property (“Developer’s Notice to Proceed”), or (ii) Notice of Developer’s intention to terminate Escrow and this Agreement (“Developer’s Notice to Terminate”). Developer shall be deemed to have accepted the environmental, physical and other conditions of the Property upon the Closing for each Property. In the event that Developer delivers Developer’s Notice to Terminate and such termination is based upon the physical or environmental condition of the Property, Escrow for that Property shall terminate. Section 2.4 Review of Title Not later than thirty (30) days after the Effective Date, the Authority shall cause Title Company or another title company mutual ly acceptable to the Parties to deliver to Developer a standard preliminary title report with respect to the Property, together with legible ATTACHMENT 3 28 Page 17 copies of the documents underlying the exceptions (the “ Exceptions”) set forth in the preliminary title report (collectively, the “Preliminary Title Report”). Developer shall have until the expiration of the Due Diligence Period to give Notice to the Authority and the Escrow Agent of Developer’s approval or disapproval of the Preliminary Title Report, including without limita tion any Exceptions. If Developer notifies the Authority of Developer’s disapproval of any items with respect to the Pr eliminary Title Report, the Authority shall have the right, but not the ob ligation, to remove any disapproved items after receiving Notice of Developer’s disapproval or provide assurances reas onably satisfactory to Developer that such items will be removed or reme died on or before the Closing. The Authority shall exercise such right by Notice to Developer w ithin ten (10) days of receipt of Notice from Developer of Developer’s disapprov al. If the Authority cannot or does not elect to remove any disapproved items, Developer shall ha ve ten (10) days after the expi ration of the Authority’s ten (10) day election period to either (i) give the Authority Notice th at Developer intends to proceed with the Closing subject to the disapproved items or (ii) give the Authority Notice that Developer does not elect to accept the Closing and elects to terminate the Escrow and this Agreement, whereupon any sums deposited by Developer into Escrow and all interest earned thereon shall be returned to Developer. The Exceptions to title approved by Developer as provided herein shall here inafter be referred to as the “Permitted Exceptions” and/or the “Condition of Title.” Developer shall have the right to approve or disapprove in the manner provide d in this Section any Exception reported by the Title Company or otherwise discovered after Developer has approved the Condition of Title (which are not created by Developer). Section 2.5 Conveyance of Title and Delivery of Possession a. Conveyance of title to the Property shall be completed on or prior to the date specified for Closing in the Schedule of Performance, or such later date as mutually agreed to in writing by the Authority and the Develo per and communicated in writing to the Escrow Agent. The Authority and the De veloper agree to perform all acts necessary to convey title in sufficient time for escrow to be closed in accordance with the foregoing provisions. b. Possession of the Property sha ll be delivered to the Developer concurrently with the conveyance of title, except that access and entry may be granted before the Closing, as permitted pursuant to Section 2.13 of this Agreement. Section 2.6 Form of Deed The Authority shall convey to the Developer title to the Property in the condition provided in Section 2.5 of this Agreement, by the Authority Grant Deed. ATTACHMENT 3 29 Page 18 Section 2.7 Condition of Title The Authority shall convey to the Developer fee simple merchantable title to the Property free and clear of all liens, encumbrances, assessments, easements, leases and taxes, except the Permitted Exceptions. Section 2.8 Closing Date Subject to any mutually agreed-upon extension of time, the Parties sh all use their best efforts to satisfy all Conditions Precedent to th e Closing set forth herein prior to the date specified therefor in the Schedule of Performanc e. The Authority shall not be obligated to convey the Property to the Develo per unless all the conditions pr ecedent to the Closing have been satisfied, and such conditions precedent shall be satisfied on or before the date established for the conveyance of the Property to the Developer in the Schedule of Performance. Section 2.9 Title Insurance a. Concurrent with the Closing, the Title Company shall be prepared to issue the following title insurance policies: (i) to the Developer a CLTA Owner’s policy (the “Owner’s Title Policy”), insuring that the title is vested in the Developer in the condition required by Section 2.5 of this Agreement; and (i i) to the Authority an ALTA Lender’s policy (the “Authority’s Title Policy”), insuring the first priority of th e Authority Loan Deed of Trust. The Title Company shall provide the Owner’s Title Policy in such amount as the Developer may specify, and the Authority’s Title Policy in the amount of the Authority Loan. b. The Authority shall pay the cost of the title insurance premium for the Owner’s Title Insurance Policy only to the extent of a standard coverage CLTA title insurance policy on the Property in the amo unt of the Acquisition Price. The Author ity shall also be responsible for paying the premium for the Author ity’s Title Insurance Policy and any additional title insurance, including any extended coverage or special endorsements which the Authority may require. Section 2.10 Taxes and Assessments Ad valorem taxes and assessments, if any, on the Property and taxes upon this Agreement or any rights hereunder levied, assessed, or imposed as to any period prior to the Closing shall be borne by the Authority. All ad valorem taxes and assessments levied or imposed on the Property as to any period after the Closing shall be paid by the Developer. Section 2.11 Possession of Property The Authority warrants and agrees that title to the Property shall be conveyed free of any possession and any right of possession except that of the Developer, except as waived by the Developer in writing, and the Permitted Exceptions. ATTACHMENT 3 30 Page 19 Section 2.12 Condition of Property a. The Property shall be conveyed in an “as is” condition, with no warranty, express or implied by the Authority as to the cond ition of the Property or the buildings situated thereon, its soil (or water) conditions, its geology, or the presence of known or unknown seismic faults. b. The Developer shall have the ri ght and responsibil ity during the Due Diligence Period to investigate and determine the soil and seismic conditions of the Property and their suitability for the Project. The Developer shall perform all work ne cessary to grade, clear and prepare the Property and to i nvestigate and determine the soil conditions of the Property and the suitability of the Property for the Project , including, without limitation, flood zones, Alquist- Priolo Earthquake Fault Zoning Act, and similar matters. Section 2.13 Preliminary Work by Developer a. Prior to the conveyance of title, representatives of the Developer shall have the right of access to the Property at all reasonable times in accordance with the License Agreement for the purpose of obtaining data, making surveys and tests necessary to carry out this Agreement. b. The Developer hereby indemnifies and holds the Authority and its members, officers, employees, agents and contractors harmless for any injury or damages arising out of any activity of the Developer, its agen ts, employees and contractors, performed and conducted on the Property pursuant to the License Agreement and this Section 2.11, except as the same may be due to the gross negligence or willful misconduct of the Authority. The Developer shall have access to all data concerning the condition of the Property in the possession of the Authority. Section 2.14 Conditions Precedent to Closing Closing of the conveyance of the Property to Develope r is conditioned upon satisfaction of the terms and conditions set forth in this Section. 2.14.1 Authority’s Conditions. Authority’s obligation to close Es crow and convey any Property to Developer is conditioned upon the satisfaction or wr itten waiver by Authority of each and every one of the conditions precedent (A) through (O), inclusive, described below (“ Authority’s Conditions Precedent to Closing”), which are solely for the benefit of Authority, and which shall be satisfied or waived by the time periods provided for herein. Authority at its option may terminate this Agreement if any of the conditions precedent set forth belo w are not satisfied by the Developer or waived in writing by Authority by the Closing Date. (A) Physical Condition of Property. Prior to the expiration of the Developer’s Due Diligence Period, Developer shall not have elected to cancel Escrow and ATTACHMENT 3 31 Page 20 terminate this Agreement due to the physical co ndition of the Property to be conveyed and shall not have delivered to Authority a written notice not to proceed. (B) Environmental Condition of Propert y. Prior to the expiration of the Developer’s Due Diligence Period, Developer sh all not have elected to cancel Escrow and terminate this Agreement due to the environmenta l condition of the Property to be conveyed and shall not have delivered to Authority a written notice not to proceed. (C) Execution of Authority Instruments. This Agreement shall be in full force and effect. Developer shall have ex ecuted and delivered into Escrow the Authority Instruments and such other documents as ma y be reasonably requested by Authority in connection therewith and all of which shall be in a form acceptable to Authority. (D) Financing. Developer shall ha ve submitted and the Authority Manager shall have approved Developer’s Project Budget and evidence of financing. (E) Schedule of Performance. Developer shall have submitted and Authority shall have approved a Construction Schedule of Performance dated as of Closing. (F) Construction Budget. A Construction Budget shall have been submitted to and approved by Authority. (G) Construction Drawings. Authority shall have approved the site plans and final construction drawings for the Property to be conveyed. (H) General Liability Insurance. Deve loper, at its cost, shall have procured and be maintaining in full force and e ffect insurance consistent with the requirements hereof and in the amounts specified therein. (I) Entitlements. Developer shall have obtained all entitlements necessary to develop the Property with the Project in the manner contemplated by this Agreement (which shall be final and not subject to further appeal), including building permits for the Project, except that this condition shall be deemed satisfied if issuance of all permits necessary for construction of the Project is subject only to payment of permit fees. (J) Lender Policy. The Title Compa ny shall, upon payment of the Title Company’s regularly scheduled premium, be irrevocably committed to issue to Authority the Authority Lender’s Policy and all reasonably requested endorsements upon the Closing. (K) Authority Loan. Developer, Authority and any other necessary third party shall have executed all documents required by Authority in connection with the Authority Loan, all of which shall be in a form acceptable to Authority, and any documents required to be recorded in connection therewith shall have been si gned by all parties and deposited into Escrow. (L) No Litigation. No litigation shall be pending or threatened by any third party which seeks to enjoin the transactions contemplated herein or asserts that either Party or the Parties lack the authority to consummate the transactions contemplated hereby. ATTACHMENT 3 32 Page 21 (M) No Default. There shall exis t no condition, event or act which would constitute an event of default under this Agreement, or which, upon the giving of notice or the passage of time, or both, would constitute an event of default. (N) Representations and Warranties. All representations and warranties of Developer herein contained and contained in this Agreement shall be true and correct as if made on and as of the date of Closing. (O) Construction Loan. The Constr uction Loan shall have been executed by its maker and Developer, and shall be closing concurrently with the Closing. 2.14.2 Developer’s Conditions Developer’s obligation to close Es crow on the Property is conditioned upon the satisfaction or written waiver by Develope r of each and every one of the conditions precedent (A) through (M), inclusive, described below (the “Developer’s Conditions Precedent to Closing”), which are solely for the benefit of De veloper, and which shall be satisfied or waived by the time periods provided for herein. Developer at its option may terminate this Agreement if any of the conditions precedent set forth below are not satisfied by the Authority or waived in writing by Developer by the Closing Date. a. Physical Condition of Property. Prior to the expiration of the Developer’s Due Diligence Period, Developer shall not have elected to cancel Escrow and terminate this Agreement due to the physical condition of the Propert y and shall not have delivered a written notice not to proceed to Authority. b. Environmental Condition of Propert y. Prior to the expiration of the Developer’s Due Diligence Period, Developer sh all not have elected to cancel Escrow and terminate this Agreement due to the environmenta l condition of the Prope rty and shall not have delivered a written notice not to proceed to Authority. c. Execution of Authority Instruments. This Agreement shall be in full force and effect. Authority shall have executed and delivered into Escrow all Authority Instruments to which Authority is a Party an d such other documents as may be reasonably requested by Developer in connection therewith and all of which shall be in a form acceptable to Developer. d. Construction Drawings. Authority shall have approved the site plans and final construction drawings for the Project. e. Entitlements. Developer shall have obtained all entitlements necessary to develop the Property with the Project in the manner contemplated by this Agreement (which shall be final and not subject to further appeal), including building permits for the Project, except that this condition shall be deemed satisfied if issuance of all permits necessary for construction of the Project is subject only to payment of permit fees. f. Review and Approval of Title. Developer shall have reviewed and approved the condition of title, as provided herein. ATTACHMENT 3 33 Page 22 g. Title Policy. The Title Company shall, upon payment of the Title Company’s regularly scheduled premium, be i rrevocably committed to issue a Title Policy to Developer including all Additional Endorsements upon the Closing, in accordance with this Agreement. h. Project Feasibility. No event shall have occurred that results in the Developer determining, in its sole discretion, that the Project is no longer financially feasible. i. No Litigation. No litigation shall be pending or threatened by any third party which seeks to enjoin the transactions contemplated herein or asserts that either Party or the Parties lack the authority to consummate the transactions contemplated hereby. j. No Default. There shall exis t no condition, event or act which would constitute an event of default under the Ag reement, or which, upon the giving of notice or the passage of time, or both, would constitute an event of default. k. Representations and Warranties. All representations and warranties of Authority herein contained and contained in this Agreement shall be true and correct as if made on and as of the date of Closing. l. Deposit of Funds. Authority shall have deposited or caused to be deposited into Escrow or the Closing Escrow al l funds necessary for the Authority Loan, the Authority Second Mortgage Loans and the Closing. m. Construction Loan. The Constr uction Loan shall have been executed by its maker and Developer, and shall be closing concurrently with the Closing. Section 2.15 Conditions Precedent to Funding of Authority Loan Authority shall not be obligated to rele ase any proceeds of the Authority Loan escrow until after the Closing has occurred. Subsequent to the Closing, Developer shall submit a written Draw Request to receiv e disbursement of Authority Lo an Proceeds. Authority shall instruct escrow to disburse Loan Proceeds not later than ten (10) Business Days after approval by Authority. Notwithstanding the foregoing, Authority will use commercially reasonable efforts to cause escrow to disburse loan funds as soon as possible after receipt of a Draw Request. Upon Closing, the amount of the Acquisition Price shall be deemed disbursed from the Authority Loan. Authority shall instruct escrow to disburse Loan Proceeds for Project cost to or on behalf of Developer only upon satisfaction of the conditions precedent set forth in this Section as reasonably determined by the Authority Manager. No disbursement of the Loan Proceeds shall be made until all of the following conditions precedent have been satisfied or waived as determined by Authority: 2.15.1 Evidence of Expenditure ATTACHMENT 3 34 Page 23 Developer shall have submitted to Authority evid ence of expenditure or incurrence of costs, invoices, receipts, cancelled chec ks or other written documentati on satisfactory to the Authority Manager evidencing Developer’s incurrence of Project costs. 2.15.2 No Default There shall be no condition, event or act whic h would constitute an Event of Default by Developer under the Authority Instruments, or event which upon the giving of notice or the passage of time, or both, would constitute such an Event of Default. 2.15.3 General Liability Insurance Developer, at its cost, shall have procured and be maintaining in full force and effect insurance on the Properties consistent with the requirements hereof. 2.15.4 Representations and Warranties All representations and warranties of Developer herein contained sh all be true and correct as if made on and as of the date of the disbursement. 2.15.5 No Stop Notice No stop notice shall have been served upon or ot herwise delivered to Authority in connection with the development of the Project or otherwise in connection with the Authority Loan, unless Developer shall have (or shall be with the procee ds of the requested disbursement) (a) paid and discharged the same, or (b) effected the releas e thereof by delivering to Authority a surety bond complying with the requirements of applicable Governmental Regulations for such release. 2.15.6 No Liens No claim of lien, notice and claim of mechanic’s lien or other similar document or instrument shall have been recorded against the Property or any portion thereof, unless Developer shall have (or shall with the proceeds of the requested disb ursement) (a) paid and di scharged the same, (b) effected the release thereof by delivering to Authority a surety bond complying with the requirements of applicable Governmental Regulati ons for such release, or by insurance over the same, or (c) caused the Title Company to commit in writing to issue a policy of title insurance showing such lien not to be an exception to title. 2.15.7 Applicable Laws There shall be no condition, event or act of Developer existing in connection with the Project which constitutes, or would, with the passage of time, constitute a violation of any applicable law. Section 2.16 Relationship of Authority and Developer ATTACHMENT 3 35 Page 24 Nothing contained in this Agreement or in any other document or instrument made in connection with this Agreement sh all be deemed or construed to create a partnership, tenancy in common, joint tenancy, joint venture or co-ownership by or between the Authority and the Developer. The Authority shall not be in any way responsible or liable for the debts, losses, obligations or duties of the De veloper with respect to the Pr operty or otherwise, and the Developer shall not be in any way responsible or liable for the debts, losses, obligations or duties of the Authority with respect to the Property or otherwise. Section 2.17 Representations and Warranties a. As an inducement to the Authority to enter into this Agreement, make the Authority Loan and convey the Property to the Developer, the Developer hereby represents and warrants to the Authority, which representations and warranties are true and correct as of the date of this Agreement and which shall be true as of the Closing: (1) The Developer has the legal power, right and authority to enter into this Agreement and the instruments referenced herein, and to satisfy all obligations of the Developer in this Agreement or in any instrument or document referred to herein (referred to collectively as the “Developer’s Obligations”); (2) This Agreement and all documents required hereby to be executed by the Developer are, and shall be, valid, legally binding obligations of and enforceable against the Developer in accordance with their terms, subj ect only to applicable bankruptcy, insolvency, reorganization, moratorium laws or similar laws or equitable principles affecting or limiting the rights of contracting parties generally; (3) There is no charter, bylaw , or capital stock provision of the Developer, and no provision of any indenture, instrument, or agreement, written or oral, to which the Developer is a party or which governs the ac tions of the Developer or which is otherwise binding upon the Developer or the Developer’s pr operty, nor is there any statute, rule or regulation, or any judgment, decree, or order of any court or agency binding on the Developer or the Developer’s property which would be contravened by the execution, delivery or performance of any of the Developer’s Obligations; (4) There is no action, suit, or proc eeding at law or in equity or by or before any governmental instrumentality or other agency now pending, or, to the knowledge of the Developer, threatened against or affecting th e Developer, or any prop erties or rights of the Developer, which, if adversely determined, would materially impair the right of the Developer to execute or perform any of the Developer’s Obligations, or would ma terially adversely affect the financial condition of the Developer; (5) Neither the execution and delivery of this Agreement and documents referenced herein, nor the incurr ence of the Developer’s Obligations, nor the consummation of the transactions herein contem plated, nor compliance with the terms of this Agreement and the documents referenced herein conflict with or result in the material breach of ATTACHMENT 3 36 Page 25 any terms, conditions or provisions of, or c onstitute a default under, any bond, note or other evidence of indebtedness or any contract, indentur e, mortgage, deed of tr ust, loan, partnership agreement, lease or other agreements or instruments to which the Developer is a party; (6) No attachments, execution proceedings, assignments for the benefit of creditors, insolvency, bankruptcy, re organization or other proceedings are pending or threatened against the Developer, nor are any of such proceedings contemplated by the Developer; (7) All reports, documents, instruments, information and forms of evidence delivered to the Authority concerning or required by this Agreement are accurate, correct and sufficiently complete to give the Authority true and accurate knowledge of their subject matter, and do not contain any misrepresentation or omission; (8) No representation, warranty or statement of the Developer in this Agreement contains or will contain any untrue stat ement of a material fact or omits or will omit to state a material fact necessary to make the statements or fact s contained therein not misleading. b. As an inducement to the Developer to enter into this Agreement and develop the Property as provided herein, the Authority hereby repr esents and warrants to the Developer, which representations and warranties ar e true and correct as of the date of this Agreement and which shall survive the Close of Escrow: (1) The Authority has the legal pow er, right and authority to enter into this Agreement and the instruments referenced herein, to satisfy all of the obligations of Authority in this Agreement and the instrument s referenced herein and to consummate the transactions contemplated hereby; (2) This Agreement and all documents required hereby to be executed by the Authority are, and shall be, valid, legally binding obligations of and enforceable against the Authority in accordance with their terms, s ubject only to applicable bankruptcy, insolvency, reorganization, moratorium laws or similar laws or equitable principles affecting or limiting the rights of contracting parties generally; (3) There is no charter or byla w of the Authority, and no provision of any indenture, instrument, or agreement, written or oral, to which the Authority is a party or which governs the actions of the Authority or wh ich is otherwise binding upon the Authority or the Authority’s property, nor is there any statute, rule or regulation, or any judgment, decree, or order of any court or agency binding on the Au thority or the Authority ’s property which would be contravened by the execution, delivery or performance of this Agreement or any documents required hereby to be executed by the Authority; (4) There is no action, suit, or proc eeding at law or in equity or by or before any governmental instrumentality or other agency now pending, or, to the knowledge of ATTACHMENT 3 37 Page 26 the Authority, threatened against or affecting the Authority, or any properties or rights of the Authority, which, if adversely determined, would ma terially impair the right of the Authority to execute or perform the Authority Obligations u nder this Agreement or any documents required hereby to be executed by the Authority, or would materially adversely affect the financial condition of the Authority; (5) Neither the execution and delivery of this Agreement and documents referenced herein, nor the incurrence of the obligations set forth herein, nor the consummation of the transactions herein contem plated, nor compliance with the terms of this Agreement and the documents referenced herein conflict with or result in the material breach of any terms, conditions or provisions of, or c onstitute a default under, any bond, note or other evidence of indebtedness or any contract, indenture, mortgage, deed of trust, loan, lease or other agreements or instruments to which the Authority is a party; (6) To the best of the Aut hority’s knowledge, there are no pending, threatened or contemplated actions, suits, arbitrations, claims or proceedings, at law or in equity, affecting the Property or in which the Authority is, or to the best of the Authority’s knowledge will be, a party by reason of this Agreement, in cluding, but not limited to, judicial, municipal or administrative proceedings in eminent domain, unlawful detainer or tenant evictions, collections, alleged building code, health and safety or zo ning violations, employment discrimination or unfair labor practices, or workers’ compensation, personal injuries or property damages; (7) No attachments, execution proceedings, assignments for the benefit of creditors, insolvency, bankruptcy, re organization or other proceedings are pending or threatened against the Authority, nor are any of such proceedings contemplated by the Authority; (8) All reports, documents, instruments, information and forms of evidence delivered to the Developer concerning or required by this Agreement are accurate, correct and sufficiently complete to give the Developer true and accurate knowledge of their subject matter, and do not contain any misrepresentation or omission; (9) No representation, warranty or statement of the Authority in this Agreement contains or will contain any untrue stat ement of a material fact or omits or will omit to state a material fact necessary to make the statements or fact s contained therein not misleading; (10) The Authority is in posse ssion of the funds constituting the Authority Loan and has the legal right, power an d authority to commit and disburse those funds to Developer in accordance herewith. c. Each party’s representations and warranties made in this Section 2.14 shall be continuing and shall be true and correct as of the date of th e Close of Escrow with the same force and effect as if remade at that time. The truth and accuracy of each party’s representations and warranties made herein shall constitute a co ndition for the benefit of the other party to the performance of such other party’s obligations hereunder. ATTACHMENT 3 38 Page 27 ARTICLE 3 DEVELOPMENT OF PROPERTY Section 3.1 Scope of Development The Property shall be developed in accordance with and within the limitations established in the Scope of Development and the schematic plans and specifications attached thereto and subsequent plans approved by the Authority pursuant to this Agreement and permits issued by the City. Developer shall submit to the Authority project finish materials submittals no less than 14 days prior to installation of said materials, for review and approval by the Authority. Section 3.2 Construction Drawings and Related Documents a. The Developer shall prepare and submit construction drawings and related documents for the development of the Property to the Authority for review (including, but not limited to, architectural review) a nd written approval at the times established in the Schedule of Performance. The construction drawings and related documents shall be submitted in two stages, preliminary and final drawings, plans a nd specifications. Final drawings, plans, and specifications are hereby defined as those in su fficient detail to obtain a building permit. Any items so submitted and approved in writing by the Au thority shall not be subject to subsequent disapproval. Authority approval shall not be unreasonably withheld or delayed. b. Progressively detailed plans shall be approved by the Authority if exterior spaces and areas open to public view do not vary and the plans otherwise do not materially vary from previously approved plans, and if they ar e a logical evolution of previously approved plans and conform to the provisions of the Scope of De velopment. In the event of the disapproval by the Authority of any plans submitted by the Developer, the Authority shall promptly communicate in writing to the Developer all reasons for such disapproval and all requirements for subsequent approval of revised plans. c. During the preparation of all draw ings and plans, the Authority staff and the Developer shall hold regular progress meetings to coordinate the pr eparation of, submission to, and review of construction plans and related documents by the Authority. The Authority staff and the Developer shall communicat e and consult informally as fr equently as is necessary to insure that the formal submittal of any documen ts to the Authority can receive prompt and speedy consideration. d. If any revisions or corrections of plans approved by the Authority shall be required by a governmental offici al, agency, department or bureau having jurisdiction over the development of the Property, the Developer and the Authority shall cooperate in efforts to obtain waivers of such requirements or to develop a mutually acceptable alte rnative. Neither the Authority nor the Developer shall unreasonably withhold or delay a pproval of a mutually acceptable alternative. It is the intention of the parties to this Agreement that the plans for the development of the Property should not be chan ged in any way that makes the development of the Property economically infeasible. In the event the Authority requires changes to plans which ATTACHMENT 3 39 Page 28 materially adversely change the Developer’s reasonable economic assumptions such that the Project is no longer economically feasible, and the Au thority and the Devel oper are unable to obtain a waiver of such requirements or agr ee on a mutually acceptable alternative, the Developer shall have the right, upon 30 days notice to the Authority, to terminate this Agreement. Section 3.3 Authority Approval of Plans, Drawings and Related Documents As provided in Section 3.2 above, the Authorit y shall have the right of reasonable review (including, but not limited to, arch itectural review) of all plans, drawings and related documents for the development of the Prope rty, including any proposed changes therein. The Authority shall approve or disapprove such plans, drawings, and related documents referred to in this Agreement (and any proposed changes therein), in writing, within the times established in the Schedule of Performance. Any disapproval shall st ate, in writing, the reasons for disapproval. The Developer, upon receipt of disapproval shall revi se such portions of the plans, drawings or related documents in a manner that satisfies the reasons for disapproval and resubmit such revised portions to the Authority as soon as possible af ter receipt of the no tice of disapproval. The Authority shall approve or di sapprove such revised portions in the same manner and within the same times as provided in this Section 3.3 for approval or disapproval of plans, drawings, and related documents initially submitted to the Authority. No matter once approved shall be subsequently disapproved. Section 3.4 Cost of Construction The cost of developing the Property and constructing all Im provements thereon shall be the responsibility of the Developer. The Develo pment Costs are set forth in the Project Budget, which shall be subject to change from time-to-time. Section 3.5 Schedule of Performance a. The Developer and the Authority shall perform all acts respectively required of such party in the Schedule of Performance and this Agreement within the times provided in the Schedule of Performance, and if no time is provided, within a reasonable time. b. The Developer shall diligently a nd continuously prosecute to completion all procedures reasonably necessary for accomplishing the following: (1) preparation and submission to the Authority of construction drawings for the Project; (2) application to the Authority for and approval of a comprehensive plan and tentative tract map; ATTACHMENT 3 40 Page 29 (3) plan check and issuance of all necessary permits; (4) construction of the Units in accordance with a construction schedule, with time-lines and milestones, submitted to and approved by the Authority; and (5) marketing and sales of the Units. c. After the Closing, the Developer shall promptly begin and thereafter diligently prosecute to completion the construc tion of the Improvements as provided in the Scope of Development. The Developer sha ll begin and complete all construction and development within the times specified in the Sc hedule of Performance, with such reasonable extensions of said times as may be granted by th e Authority, which such extensions shall not be unreasonably withheld or delayed. The Schedule of Performance is subject to revision from time to time as mutually agreed upon in writing by the Developer and the Authority. d. During periods of construction, the Developer sha ll submit to the Authority a written report of the progress of the construction when and as requested by the Authority. The report shall be in such form an d detail as may be reasonably required by the Authority and shall include a reasonable number of construction photographs (if requested) taken since the last report by the Developer. Section 3.6 Local, State, and Federal Laws a. The Developer shall carry out th e construction of the Improvements in conformity with all applicable laws, including a ll applicable federal an d state labor standards (including, without limitation, the requirement to pay state prevailing wages, if applicable). b. The Developer shall be responsible for obtaining all Permits and land use approvals required by the Authority and/or the City for the construction of the Improvements, ensuring that the use of the Pr operty for the purposes described in this Agreement complies with the zoning and other City land use regulations (including any applicable exemptions and/or exceptions) applicable to the Property at the time of Closing. c. Prior to or concurrently with th e Closing, the Developer shall satisfy all conditions to the issuance of any Permit required for the developm ent of the Property, other than transfer of title and payment of fees to be paid upon the Closing. The Authority shall provide reasonable assistance to the Developer in obtaining these permits. d. This Agreement is not a “Development Agreement” as provided in Section 65864 et seq. of the California Government Code. The Developer shall comply with all applicable conditions of approval required by the City. e. The Developer agrees to carry out development, construction (as defined by applicable law) and operation of the Im provements on the Property, including, without ATTACHMENT 3 41 Page 30 limitation, any and all public works (as defined by applicable law), in conformity with all applicable local, state and federal laws, includ ing, without limitation, all applicable federal and state labor laws (including, with out limitation, if applicable, any requirement to pay state prevailing wages). The Project is a self-help housing project in which no fewer than 500 hours of construction work associated with the homes are to be performed by the homebuyers and therefore (except that if any buyers are single parent or disabled households, only 250 “sweat equity” hours will be required), pursuant to Labor Code Section 1720(c)(6)(A), the construction of the Improvements is not a “public works pr oject”. The Developer expressly acknowledges and agrees that the Authority has never previously affirmatively represented to the Developer or its contractor(s) for the Improvements in writing or otherwise, in a call for bids or otherwise, that the work to be covered by the bid or contract is not a “public work”, as defined in Section 1720 of the Labor Code. The Developer agrees that the Developer shall have the obligation to provide any and all disclosures, represen tations, statements, rebidding, a nd/or identifications which may be required by Labor Code Sections 1726 and 1781, as the same may be enacted, adopted or amended from time to time, or any other provi sion of law. The Developer agrees that the Developer shall have the obligation to provide and maintain any and all bonds to secure the payment of contractors (including the payment of wages to workers performing any public work) which may be required by the Civil Code, Labor Code Section 1781, as the same may be enacted, adopted or amended from time to time, or any other provision of law. The Developer agrees that the Developer shall have the oblig ation, at the Developer’s sole cost, risk and expense, to obligate any party as may be requ ired by Labor Code Sections 1726 and 1781, as the same may be enacted, adopted or amended from time to time, or any other provision of law. The Developer shall indemnify, prot ect, defend and hold harmless th e Authority a nd its elected officers, employees, contractors and agents, with counsel reasonably acceptable to the Authority, from and against any and all loss , liability, damage, claim, cost , expense, and/or “increased costs” (including labor costs, penalties, reasonable attorneys fees , court and litigation costs, and fees of expert witnesses) which, in connection with the development, construction (as defined by applicable law) and/or operation of the Improve ments, including, without limitation, any and all public works (as defined by applicable law), resu lts or arises in any way from any of the following: (i) the noncompliance by the Developer of any applicable local , state and/or federal law, including, without limitation, any applicable federal and/or state la bor laws (including, without limitation, if app licable, the requirement to pay state prevailing wages); (ii) the implementation of Sections 1726 and 1781 of the Labor Code, as the same may be enacted, adopted or amended from time to time, or any other similar law; (iii) fail ure by the Developer to provide any required disclosure, representation, statement, rebidding and/or identification which may be required by Labor Code Sections 1726 and 1781, as the same may be enacted, adopted or amended from time to time, or any other provis ion of law; (iv) failure by the Developer to provide and maintain any and all bonds to secu re the payment of contractors (including the payment of wages to workers performing any p ublic work) which may be required by the Civil Code, Labor Code Section 1781, as the same may be enacted, adopted or amended from time to time, or any other provision of law; and/or (v) failure by the Developer to obligate any party as may be required by Labor Code Sections 1726 and 1781, as the same may be enacted, adopted or amended from time to time, or any other provision of law. It is agreed by the parties that, in connection with the development, construction (as defined by applicable law) and operation of the Improvements, including, without limitation, any public work (as defined by applicable law), ATTACHMENT 3 42 Page 31 the Developer shall bear all ri sks of payment or non-payment of state prevailing wages and/or the implementation of Labor Code Sections 1726 and 1781, as the same may be enacted, adopted or amended from time to time, and/or any other pr ovision of law. “Increased costs” as used in this section shall have the mean ing ascribed to it in Labor C ode Section 1781, as the same may be enacted, adopted or amended from time to time. The foregoing indemnity shall survive termination of this Agreement and shall continue after recordation of the Release of Construction Covenants. Notwithstanding the foregoing, the Parties ack nowledge that Developer will utilize a significant amount of volunteer labor to construct the Project. Section 3.7 Nondiscrimination During Construction The Developer, for itself and its successors and assigns, agrees that during the construction of the Improvements provided for in this Agreement, the Developer will not discriminate against any employee or applicant fo r employment because of race, color, religion, sex, or national origin. Section 3.8 Indemnification and Insurance a. During the period commencing with execution of this Agreement by the Authority, and until the issuance of the Release of Construction Covenants, the Developer agrees to and shall defend, indemnify and hold the Aut hority and its officers, employees, contractors and agents harmless from and against all claims , liability, loss, damage, costs or expenses (including reasonable attorneys’ fees and court costs) arising from or as a result of the death of any person or any accide nt, injury, loss or damage whatsoever caused to any person or to the property of any person arising direc tly or indirectly out of or related to the actions of Developer or its officers, employees, contractors or agents in construction of the Project. The Developer shall not be responsible for (and such indemnity sh all not apply to) any acts, errors or omissions of the Authority or its officers, employees, contractors or agents. b. Other than arising from a disp ute between the Developer and the Authority, the Developer shall indemnify, defe nd, and hold the Authority and its directors, officers, employees, agents, and successors and assigns (collectively, the “ Indemnitees”) harmless from and against all suits and causes of action, claims, costs, a nd liability, including, without limitation, reasonable attorneys’ fees a nd costs of any litigation, or arbitration or mediation, if any, brought (i) ch allenging the validity, legality or enforceability of this Agreement (other than an action brought by a third party in connection with Chapter 5, Statutes 2011, First Extraordinary Session (Assembly Bill No. x1 26)) or (ii) seeking damages which may arise directly or indirectly from the ne gotiation, formation, execution, enforcement or termination of this Agreement, or which are incident to the performance of the activities contemplated in this Agreement (other than an action brought by a third party in connection with Chapter 5, Statutes 2011, First Extraordinary Session (Assembly Bill No. x1 26)). Nothing in this section shall be construed to mean that the Developer shall hold the Indemnitees harmless and/or defend them to the extent of any claims arising from, or alleged to arise from the sole ATTACHMENT 3 43 Page 32 negligence, willful misconduct or illegal acts of any of the Indemnitees or the Culver City Redevelopment Agency (the “ Agency”) and its directors, officers, employees, agents and successors and assigns (collectively the “ Agency Parties”), the failure of the Authority or the Agency Parties to follow any rule, procedure or law applicable to the Authority or the Agency Parties (including, without limitation Chapter 5, Statutes 2011, First Ex traordinary Session (Assembly Bill No. x1 26)), and/or any claims that this Agreement violates any current agreement to which the Authority or the Agency Parties is subject. The Authority agrees that it shall fully cooperate with the Developer in the defense of any matter in which the Developer is defending and/or holding the Indemnitees harmle ss. The Authority may make all reasonable decisions with respect to its representation in any legal proceeding, including, without limitation, the selection of attorney(s). This indemnity obligation shall survive the termination of this Agreement. c. Prior to the Closing (and until the issuance of the Release of Construction Covenants), the Developer shall furnish or cause to be furnished to the Authority evidence of the following policies of insurance, naming the Developer as insured and, except as to the insurance described in paragraph (iii), below, the Authority as an additional insured. (i) Fire Policies: the Developer shall maintain or cause to be maintained a policy or policies of insurance ag ainst loss or damage to the Property or the Improvements and all property of an insurable nature located upon the Property, resulting from fire, lightning, vandalism, malicious mischief, riot and civil comm otion, and such other perils ordinarily included in extended coverage fire insurance policies. Such insurance shall be maintained in an amount not less than 100% of th e full insurable value of the Improvements, as defined herein in paragraph d. (ii) Liability Insurance: the De veloper shall maintain or cause to be maintained public liability insurance, to protec t against loss from liability imposed by law for damages on account of bodily inju ry, including death therefrom, suffered or alleged to be suffered by any person or persons whomsoever on or about the Property and the business of the Developer on the Property, or in connection with the operation thereof, resulting directly or indirectly from any acts or activities of the Deve loper or its sublessees, or any person acting for the Developer, or under its respecti ve control or direction, and also to protect against loss from liability imposed by law for damages to any prop erty of any person oc curring on or about the Property, or in connection with th e operation thereof, caused direct ly or indirectly by or from acts or activities of the Developer or its tenants, or any person acting for the Developer, or under its control or direction. Such property damage a nd bodily injury insurance shall also provide for and protect the Authority against incurring any lega l cost in defending claims for alleged loss. Such bodily injury and property damage insurance shall be maintained in full force and effect during the Term in the following amounts: commercial general liability in a general aggregate amount of not less than $2,000,000; and not less than $1,500,000 of bodily in jury and property damage insurance. It is the mutual intent of the parties that the levels of insurance coverage described herein shall be and remain comparable to the level of insurance coverage that is customary with comparable operations in Los Angeles County. At any time during the Term, and from time to time, either party may provide notice to the other party that the level of ATTACHMENT 3 44 Page 33 insurance being maintained by th e Developer is no longer comparab le to the level of insurance coverage that is customary with comparable oper ations in Los Angeles County, and request that the minimum limit hereinabove designated shall be changed (either in creased or decreased) accordingly. The party receiving such request shall not unreasonably withhold its consent to such change. The Developer agrees that provis ions of this paragraph as to maintenance of insurance shall not be construed as limiting in any way the extent to which the Developer may be held responsible for the indemnif ication of the Authority or the payment of damages to persons or property resulting from the Deve loper’s activities, activities of its tenants or the activities of any other person or persons for which the Developer is otherwise responsible. (iii) Workers’ Compensation Insurance: the Developer shall maintain or cause to be maintained workers’ compensa tion insurance issued by a responsible carrier authorized under the laws of the State of California to insure employers against liability for compensation under the workers’ compensation laws now in force in California, or any laws hereafter enacted as an amendment or supplement thereto or in lieu thereof. Such workers’ compensation insurance shall cover all persons employed by the Developer in connection with the Property and shall cover liability within statutory limits for compensation under any such act aforesaid, based upon death or bodil y injury claims made by, for or on behalf of any person incurring or suffering injury or death in connection with the Property or the operation thereof by the Developer. Notwithstanding the foregoing, th e Developer may, in compliance with the laws of the State of California and in lieu of mainta ining such insurance, self-insure for workers’ compensation in which event Developer shall deliv er to the Authority evidence that such self- insurance has been approved by the appropriate State authorities. d. All policies hereunder shall not be subject to cancellation, reduction in coverage, or non-renewal except af ter notice in writing shall have been sent by registered mail addressed to the Authority, to the extent practicable within 30 days but in any event prior to the effective date thereof. All policies may name the Authority and the Developer as insureds, additional insureds, and/or loss payable parties as their interests may appear. e. The term “full insurable value” as used in this Section 3.8 shall mean the actual replacement cost (excluding the cost of excavation, foundation and footings below the lowest floor and without deduction for depr eciation) of the Improvements on the Property immediately before such casualty or other loss, including the cost of constructi on, architectural and engineering fees, and inspection and supervision. To ascertain the amount of coverage required, the Developer shall cause the full insurabl e value to be determined from time to time by appraisal by the insurer, by agreement between the Developer and the Authority or by an appraiser mutually acceptable to the Authority and the Developer. f. All insurance provided under this Section 3.8 shall be for the benefit of the Developer and the Authority. The Developer ag rees to timely pay all premiums for such insurance and, at its sole cost and expense, to comply and secure compliance with all insurance requirements necessary for the maintenance of such insurance. The Developer agrees to submit policies of all insurance required by this Section 3.8, or certificates ev idencing the existence thereof, to the Authority within 30 days prio r to the Closing, indicati ng full coverage of the ATTACHMENT 3 45 Page 34 contractual liability imposed hereby. Within 30 days, if practicable, but in any event prior to expiration of any such policy, copies of renewal policies, or certificates evidencing the existence thereof, shall be submitted to the Authority. All insurance herein provided for under this Section 3.8 shall be effected under policies issued by insu rers of recognized responsibility, licensed or permitted to do business in the State of Califor nia reasonably approved by the Authority. All policies or certificates of insura nce shall provide that such policies shall not be canceled or limited in any manner without at least 30 days prior written notice to the Authority. g. If the Developer fails or refuses to procure or maintain insurance as required by this Agreement, the Authority shall have the right, at the Au thority’s election, and upon 10 days prior notice to the Developer, to procure and maintain such insurance. The premiums paid by the Authority shall be treated as a loan, due from the Developer, to be paid on the first day of the month following the date on which the premiums were paid. The Authority shall give prompt notice of the payment of su ch premiums, stating th e amounts paid and the name of the insured(s). Section 3.9 Disclaimer of Responsibility by Authority The Authority neither undertakes nor assume s nor will have any responsibility, right or duty to the Developer or to any third party to review, inspect, supervise, pass judgment upon or inform the Developer or any third party of a ny matter in connection with the Property. The Developer and all third parties shall rely upon its or their own judgment regarding such matters, and any review, inspection, supervision, exercise of judgment or information supplied to the Developer or to any third party by the Authority in connection with such matter is for the public purpose of providing affordable housing, and neither the Developer (except for the purposes set forth in this Agreement) nor any third party is entitled to rely thereon. Section 3.10 Rights of Access The Authority shall have the right, at its so le risk and expense, to enter the Property or any part thereof at reasonable times and with as little interference as possible, for the purpose of inspecting the Property for purposes of the Devel oper’s compliance with this Agreement. The representatives of the Authority entering the Property shall be identified in writing in advance by the Authority’s Executive Director (or his or her designee). Any such entry shall be made only after reasonable notice to the Developer, an d the Authority shall indemnify and hold the Developer harmless from any claims or liabiliti es pertaining to such entry. Any damage or injury to the Property resulting from such entry sha ll be promptly repaired at the sole expense of the Authority. Section 3.11 Taxes, Assessments, Encumbrances and Liens The Developer shall be responsible for pa ying when due all real estate taxes and assessments, if any, assessed and levied on or against the Property for any period after the Closing. The Developer’s obligation to pay taxe s and assessments shall terminate as to each Unit upon the sale and conveyance of title of that Unit to its purchaser. Except as set forth ATTACHMENT 3 46 Page 35 herein, the Developer shall not place, or allow to be place d, on the Property or any portion thereof, any mortgage, trust deed, encumb rance (excluding easements not unreasonably interfering with the use of the Property) or lien (excluding m echanic’s liens paid prior to foreclosure or liens for current year property ta xes not paid). The Developer shall remove, or shall have removed, any levy or attachment made on the Property (or any portion thereof), or shall assure the satisfaction thereof within a reasonable time but in any event prior to foreclosure. Nothing herein contained shall be deemed to prohibit the Developer from contesting the validity or amount of any tax, assessment, encumbrance or lien, nor to limit the remedies available to the Developer in respect thereto. The covenants of the Developer set forth in this Section 3.11 relating to the placement of any unauthorized mortgage, trust d eed, encumbrance or lien, shall remain in effect until issuance of the Release of Construction Covenants. Neither the Developer nor any successor owner of the Pr operty shall appeal or challe nge any assessment of the fair market value of the Property for property tax purposes; notwithstanding the foregoing, the Developer and successor owners of the Propert y and improvements located thereon shall be permitted to request that the Los Angeles County Assessor and any appropriate related entity assess property tax on the affo rdable units based on the afford able housing sales price, or a similar methodology that acknowledges that the units are subject to affordability restrictions. Section 3.12 Rights to Plans a. All work product prepared pursuant to this Agreement, including (but not limited to), all Plans, construction documents, soils tests and similar reports, Permits and other entitlements are hereby assigned to the Authority as security for the Developer’s obligations hereunder. In the event that this Agreement is te rminated prior to Closing, except in the event of a default hereunder by Authority, the Developer sh all, within 10 days of such termination, transmit all such work product to the Authority. b. To effectuate the assignment descri bed in paragraph a., concurrently with executing a contract with the project architect, the Developer shall execute and deliver to the Authority an Assignment of Agreements, Plans, Specifications and Entitlements, granting to the Authority all of the Developer’s rights to: (i) th e Plans prepared pursuant to this Agreement; (ii) the contract between the Developer and its architect and engineer; (iii) all Permits relating to the Project; and similar rights and property interests. Section 3.13 Release of Construction Covenants a. Promptly after completion of the Improvements, as generally and specifically required by this Agreement and in particular the Scope of Development and approval by the Authority of the CC&Rs (as defined in S ection 4.1(e) below), the Authority shall furnish the Developer with a Release of Constructi on Covenants upon written re quest therefor by the Developer certifying that the De veloper has completed its construction obligations hereunder. The Authority shall not unreasonably withhold such Release of Construction Covenants and such Release of Construction Covenants shall be issued so long as th e Developer has constructed and developed the Units in accordance with this Agreement, the Authority Grant Deed, and the Plans. Such Release of Construction Covenants shall be, and shall so state, conclusive ATTACHMENT 3 47 Page 36 determination of satisfactory completion of all of the construction required by this Agreement. The Developer shall not transfer title to any Un it prior to the issuance by the Authority of a Release of Construction Covenants, but shall have the right to enter into a purchase and sale agreement with respect to such Unit prior to the issuance of a Release of Construction Covenants. b. The Release of Construction Covenant s shall be in such form as to permit it to be recorded in the Recorder’s Office of Los Angeles County. c. If the Authority refuses or fails to furnish a Release of Construction Covenants after written request fr om the Developer, the Authority shall, within 30 days of the written request, provide the Developer with a written statement of the reasons the Authority refused or failed to furnish a Release of Cons truction Covenants. The statement shall also contain the Authority’s opinion of the action the Developer must take to obtain a Release of Construction Covenants. If the reason for such refusal is confined to the immediate availability of specific items or materials fo r landscaping, and/or minor items, the Authority will issue its Release of Construction Covenants upon the posting of a bond by the Developer with the Authority in an amount representing a fair value of the work not yet completed. d. Such Release of Construction Cove nants shall not constitute evidence of compliance with or satisfaction of any obligation of the Develope r to any person. Such Release of Construction Covenants is no t notice of completion as refe rred to in Section 3093 of the California Civil Code. Section 3.14 Use of Project Images The Developer hereby consents to the use by the Authority of images of the Project, its models, plans and other graphical representations of the Project and its various elements (collectively, “Project Images”) in connection with marketi ng, public relations, and special events, websites, presentations, and other uses required by the Au thority in connection with the Project. Such right to use the Project Images shall not be assignable by the Authority to any other party (including, without lim itation, any private party) without the prior written consent of the Developer. Use by the Authority of Project Images, the Developer’s name or names of its affiliates will be subject to prior Developer a pproval, which shall not be unreasonably withheld or delayed. For any Project Imag es provided to the Authority by the Developer, the Developer shall use reasonable efforts to obtain any rights a nd/or consents from any third parties necessary to provide these Project Image use rights to the Authority. Section 3.16 LEED The Project shall be built to the LEED Silver residential standards and will be at least 10% more efficient than Title 24 requirements Section 3.17 Consistency with Developer’s Proposal ATTACHMENT 3 48 Page 37 Except to the extent specifically set forth he rein, the Project shall be consistent with the description set forth in that certain proposal dated January 12, 2012. ARTICLE 4 USE OF PROPERTY Section 4.1 Uses The Developer covenants and agrees (for itself, its successors, its assigns, and every successor in interest to th e Property or any part thereof) th at the Developer, its successors and assigns shall use the Property as follows: a. The Developer, its successors and assigns shall develop the Property exclusively to provide affordable housing for Low Income homebuyers and Moderate Income homebuyers, as provided in this Agreement and the Authority Grant Deed; b. The Developer shall sell Units only to Purchasers, for an Affordable Purchase Price. This requirement shall be d eemed satisfied for each Unit when the Developer has sold that Unit to a Purchaser in accordance with this Agreement. c. The Developer shall be responsible for obtaining all source documentation evidencing income as required by this Agreement. The Developer shall provide priority in the selection of Purchasers to persons and families who have been displaced as a result of the acquisition of property by the Aut hority or by other redevelopment activities in the Authority. To the extent permitted by law, the Developer shall provide priority to Purchasers who live or work in the City of Culver City (“Culver City Residents”). The Developer shall cooperate with the Authority prior to the initial sale of any Units to effectuate this provision. The Developer must accept any Authority displacee or Culver City Resident who meets the Developer’s selection criteria. To implement this provision, the Developer agrees to provide notice to the Authority, in writing, prior to beginning to market Units and shall have received Authority approval of the Marketing and Buyer Selection Plan (“ Marketing Plan”) consistent with the terms and provisions of this Agreement. This requirement shall be deemed satisfied when the Developer has sold all of the Units to qualifie d Low Income homebuyers and Moderate Income homebuyers in accordance with this Agreement. d. Prior to initial sale and occupancy of any Unit, the Developer shall prepare and submit to the Authority’s Executive Director for approval (i) all documents required to be submitted by the Developer to the California Department of Real Estate; and (ii) all documents required to be submitted pursuant to The Davis-Stirling Common Interest Development Act, including but not limited to articles of inco rporation, the by-laws, the condo plan and the Homeowner Association’s Covenants, Conditions and Restrictions (“ CC&Rs”). The CC&Rs shall be recorded against the Property and run with the land and shall incorporate the maintenance obligations set forth in Section 4.2 of this Agreement. Until such time as all the Units are sold to Purchasers, the Property shal l be maintained in accordance with the CC&Rs approved by the Authority. ATTACHMENT 3 49 Page 38 Section 4.2 Maintenance of Property Until such time as all the Units are so ld to Purchasers, Developer covenants and agrees that the Developer and/ or the homeowner’s association, for so long as Developer is a member of such association, shall maintain the interior and exterior of the improvements and the landscaping on the Property in a manner consistent with community standards which will uphold the value of the Property, in accordance with this Agreement, the Authority Grant Deed and the Culver City Municipal Code (the “Code”), as follows: a. Exterior Maintenance. All exterior, painted surfaces of any structures located on the Property shall be maintained at al l times in a clean and presentable manner. Any such defacing marks shall be cleaned or removed within a reasonable time. b. Front and Side Exteriors. The Deve loper shall, at all times, maintain the front exterior and any visible side exteriors and yards, if any, in a clean, safe and presentable manner. c. Graffiti Removal. All graffiti, and defacement of any type, including marks, words and pictures, must be removed fr om the Property and any necessary painting or repair completed within a reasonable time, but in no event more than 1 week after notice to the Developer from the Authority. d. Landscaping. All landscaping surrounding the Property shall be maintained in a manner consistent with standard s of the Code and any rules, regulations and standards adopted pursuant to the Code. In a ddition, for example, the yard areas shall not contain the following: (i) lawns with grasses in excess of 9 inches in height; (ii) trees, shrubbery, lawns or other plant life which are dying from a lack of water or other necessary maintenance; (iii) trees and shrubbery grown uncontrolled without proper pruning; (iv) vegetation so overgrown as to be likely to harbor rats or vermin; (v) dead, decayed or diseased trees, weeds and other vegetation; and (vi) inoperative irrigation systems. e. Maintenance by Developer. Until such time as all the Units are sold to Purchasers, Developer shall, at his, her or their sole cost and expense, maintain and repair the Property and the improvements thereon, keeping the same in good condition and making all repairs as may be required by this Agreement, the Authority Grant Deed and the Code. f. Damage and Destruction Affecting Property -- Duty to Rebuild. Until a Unit is old by Developer to a Purchaser, all or any portion of the Unit is damaged or destroyed by fire or other casualty, it shall be the duty of th e Developer to rebuild, repair or reconstruct the Property in a timely manner to restore it to Code compliance condition. g. Variance in Exterior Appearance and Design. Until a Unit is old by Developer to a Purchaser, if a Unit is damaged or destroyed by casualty, the Developer may not, without the prior written consent of the Authorit y, reconstruct, rebuild or repair the Unit in a ATTACHMENT 3 50 Page 39 manner which will provide different exterior app earance and lot design from that which existed prior to the date of the casualty. h. Time Limitation. In the event of damage or destruction of a Unit prior to sale to a Purchaser due to casualty, the Develope r shall be obligated to proceed with all due diligence to commence reconstruction within 2 mont hs after the damage occurs and to complete reconstruction within a reasonable time after da mage occurs, unless prevented by causes beyond the reasonable control of the Developer. i. Inspection. In the event the Au thority, in the sole discretion of the Authority’s Executive Director, determines that the Developer has failed to maintain any Unit prior to the sale of such Unit to a Purchaser, the Authority, or its designee, on 2-weeks’ prior written notice of any noted code violations and maintenance de ficiencies (collectively, the “Deficiencies”), shall have the right, but not the oblig ation, to enter the Property, correct any Deficiency, and hold the Developer responsible for the cost ther eof. Any cost incurred by Authority to cure any such Deficiency, until paid, shall constitute a lien on the Property pursuant to Civil Code Section 2881. Upon sale of each of the Units, the Developer shall have be deemed to assign its responsibilities pursuant to this Section 4.2 to the Purchasers of the Units or homeowners association. It is the intention of the parties to this Agreement that the Developer’s obligations pursuant to this section shall be transferred to the homeowners association as to common areas, and to each Purchaser of a Unit as to the respective Units. Section 4.3 Obligation to Refrain from Discrimination The Developer shall refrain from restri cting the rental, sale or lease of the Property or any Unit on the basis of sex, sexual orie ntation, marital status, race, color, creed, religion, ancestry or national origin of any person. All deeds, leases or contracts shall contain or be subject to substantially the following nondiscrimination or nonsegregation clauses: 1. In deeds: “The grantee herein cove nants by and for himself or herself, his or her heirs, executors, administra tors, and assigns, and all persons claiming under or through them, that there shall be no discrimination against or segregation of, any pers on or group of persons on account of any basis listed in subdivision (a ) or (d) of Section 12955 of the Government Code, as those bases are defined in Sections 12926, 12926.1, subdivision (m) and paragraph (1) of subdivision (p) of Section 12955, and Section 12955.2 of the Government C ode, in the sale, lease, sublease, transfer, use, occupancy, tenure, or enjoyment of the premises herein conveyed, nor shall the grantee or any person claiming under or through him or her, establish or permit any pr actice or practices of discrimination or segregation with reference to th e selection, location, number, use or occupancy of tenants, lessees, subtenants, sublessees, or vendees in the premises herein conveyed. The fore going covenants shall run with the land.” ATTACHMENT 3 51 Page 40 2. In leases: “The lessee herein covena nts by and for himself or herself, his or her heirs, executors, administra tors, and assigns, and all persons claiming under or through him or her, and this lease is made and accepted upon and subject to the following conditions: That there shall be no discrimination ag ainst or segregation of any person or group of persons, on account of any basis listed in subdivision (a) or (d) of Section 12955 of the Government C ode, as those bases are defined in Sections 12926, 12926.1, subdivision (m) and paragraph (1) of subdivision (p) of Section 12955, and Section 12955.2 of the Government Code, in the leasing, subleasing, transferring, use, occupancy, tenure, or enjoyment of the premises herein leased nor shall the lessee himself or herself, or any person claiming under or through him or her, establish or permit any such practice or practices of discrimination or segregation with reference to the selection, location, number, use, or occupancy, of tenants, lessees, sublessees, subtenants, or vendees in the premises herein leased.” 3. In contracts: “There shall be no di scrimination against or segregation of any person or group of persons, on account of any basis listed in subdivision (a) or (d) of Section 12955 of the Government Code, as those bases are defined in Secti ons 12926, 12926.1, subdivision (m) and paragraph (1) of subdivision (p) of Section 12955, and Section 12955.2 of the Government Code, in the sale, lease, sublease, transfer, use, occupancy, tenure, or enjoyment of th e land, nor shall th e transferee itself or any person claiming under or through him or her, establish or permit any such practice or practices of discrimination or segregation with reference to the selection, location, nu mber, use, or occupancy, of tenants, lessees, sublessees, subtenants, or vendees of the land.” Section 4.4 Effect and Duration of Covenants The covenants established in this Agreem ent shall, without regard to technical classification and designation, be binding on the Developer and any successor in interest to the Property or any part thereof for the benefit a nd in favor of the Authority, its successors and assigns, and the Authority. The covenants shall remain in effect for the respective time periods set forth in this Agreement and in the Authority Grant Deed, in cluding the Addendum to Purchaser Grant Deed. The covenants against di scrimination in Section(s) 3.7 and 4.3 of this Agreement shall remain in effect in perpetuity. Section 4.5 Effect of Violation of Terms and Provisions of Agreement The Authority is deemed a beneficiary of the terms and provisions of this Agreement and the covenants herein, both for and in its own right and for the purposes of protecting the interests of the community and other parties, public or pr ivate, for whose benefit this Agreement and the ATTACHMENT 3 52 Page 41 covenants running with the land have been provide d. The Authority shall have the right if the covenants contained in this Agreement are breached, to exercise all rights and remedies, and to maintain any actions or suits at law or in equity or other proper proceedings to enforce the curing of such breaches to which it or any other beneficiaries of this Agreement and covenants are entitled. Section 4.6 Hazardous Substances At the Closing, the Developer shall ex ecute and deliver to the Authority an Environmental Indemnity, in such form as is reasonably agreed to by the Parties. ARTICLE 5 SALE OF THE UNITS 5.1 Sales; Proceeds Developer acknowledges that the purpose of the sale of the Property to Developer and the Authority Loan is to encourage affordable homeownership among Low and Moderate Income households. Pursuant to such purpose, upon the completion of construction of the Units, Developer agrees to make availa ble, hold for sale and sell the Units at fair market value to Purchasers consistent with applicable requi rements of this Agreement, the Community Redevelopment Law and all applicable Government al Regulations at the time of sale of the Units. Notwithstanding that the contract price for the sale of the Units shall be at fair market value, the terms of the financing utilized in the sale of each Un it shall result in an Affordable Housing Cost to the Purchaser of each Unit. In connection with the sale of each Unit to a Low Income buyer, Developer shall provide the Habitat First Mortga ges (as hereinafter defined) and Authority shall provide the Authority Second Mortgage Assistance in th e amount of $238,000 per Unit; and, in accordance with the terms set forth herein in connection with the sale of each Unit to a Moderate income Purchaser, the Authority shall provide the Author ity Second Mortgage Assistance in the amount of $164,700 per Unit in accordance with the terms set forth herein. Authority acknowledges and agrees that but for the Authority’s commitment to make the Authority Second Mortgage Loans in accordance herewith, Developer would not have agreed to purchase the Property, develop the Project and enter into this Agreement. 5.2 Conversion of Authority Loan Subject to (i) the satisfaction of all app licable Governmental Regulations, (ii) the satisfaction of the conditions set forth below, and (iii) any additional requirements reasonably imposed by Authority, Authority shall convert the Authority Loan to Authority Second Mortgage Assistance on a unit by unit basis and such convers ion shall be a credit against the outstanding Authority Loan amount. Developer shall require that Purchasers utilize the Second Mortgage Assistance. Any Authority Loan amounts remaining after such conversion and repayment of the Authority Loan shall be forgiven, and Develope r shall have no further obligation for repayment of the Authority Loan. ATTACHMENT 3 53 Page 42 5.3 Authority Second Mortgage Assistance Upon satisfaction of the conditions set forth herein, Authority shall provide to Purchasers of the Units second mortgage loans (collectively “Authority Second Mortgage Assistance”) as follows: $238,000 per Unit for each of 5 Units to be sold to Low Income Purchasers, and $164,700 per Unit for each of 5 Units to be sold to Moderate Income Purchasers. The Authority Second Mortgage Assistance sh all be provided to Purchaser of the Units in the form contemplated by the approp riate Authority Second Mortgage Documents and secured by the appropriate Unit. The Deve loper First Mortgages and Authority Second Mortgages shall be entered into concurrently with the sale of the Units to any Purchaser. 5.4 Second Mortgage Assistance Documents and Terms Each Purchaser of a Unit who qualifies as a Low or Moderate Income household and receives Authority Second Mortgage Assistance shall be required to execute loan documents as required by Authority, such as a loan agreem ent, promissory note, agreement of conditions, covenants and restrictions and similar documents as determined by Authority in accordance with all applicable Governmental Regulations. Th e Second Mortgage Assistance Documents shall document the terms of the Second Mortgage A ssistance in accordance with all applicable Governmental Regulations, and shall include, at a minimum, the following terms (unless prohibited by Governmental Regulat ions): (i) payments shall be deferred during the Restricted Period; (ii) subject to earlier payment due to breach or sale of the Unit, principal shall not be due until the first transfer after the expiration of the Restricted Period; and (iii) the sale of the Unit shall be restricted to sales to a Moderate Income Purchaser at a sales price resulting in an Affordable Housing Cost consistent with th e requirements of the Community Redevelopment Law during the Restricted Period. 5.5 Additional Purchaser Requirements Subject to the requirements of all appli cable Governmental Regulations, prior to the purchase and sale of the Units, any proposed Purchaser must (i) demonstrate ability to pay the appropriate down payment specific to the underwriting guidelines of the conventional or governmental loan program applied for; and (ii) have sufficient credit worthiness to qualify for and obtain a first trust deed financing at a fixed rate of intere st. The proposed Purchaser must be legally residing in the United States and have appropriate documentation demonstrating such legal residence. Upon determining that a prospective buyer is a Purchaser, Developer may require such proposed Purchaser to make a good faith de posit towards the purchase in an amount not to exceed $2,000, provided, however, that such good faith deposit shall be fully refunded to such prospective purchaser in the event that: (i) De veloper cancels the propos ed sale; or (ii) the prospective purchaser cancels the sale later than 60 days prior to the agreed upon close of escrow for such Unit. 5.6 Conditions Precedent to Authority Second Mortgage Assistance Subject to the terms of this Agreem ent and all applicable Governmental Regulations at the time of sale of the Unit, Aut hority agrees to provide to each Purchaser of a ATTACHMENT 3 54 Page 43 Unit the Second Mortgage Assistance as set forth herein, upon satisfaction of the following conditions: 5.6.1 Purchaser The buyer(s) of the Unit shall have satisfactorily de monstrated to Developer and Authority his/her/ their status as a Low or M oderate Income household in accordance with the terms and conditions of this Agreement and all applicable Governmental Regulations. Authority shall ha ve approved the Purchaser’s loan application and the form in which title is to be held by the Purchaser(s). 5.6.2 No Default There shall exist no condition, event or act which would constitute an Event of Default by Developer hereunder or whic h, upon the giving of notic e or the passage of time, or both, would constitute an Event of Default by Developer under this Agreement. 5.6.3 First Mortgage The Purchaser shall have qualified (and provided evidence to Authority therefore) for a conventional first mortgage from an institutional lender or a Habitat First Mortgage in an amount not greater than one hun dred percent (100%) of the Affordable Housing Cost. The terms of the first mortgage shall comply with all applicable Governmental Regulations and any additional requirements as may be reasonably imposed by Authority. For example, Authority may require that the first mortgage be a thirty (30) year fixed interest rate level payment loan. Authority may allow, in its reasonable discretion, the Purchaser to pay points in connection with the firs t mortgage. The first mortgage holder and/or Developer must be ready, willing and able to fund the first mortgage loan and/or the Habitat First Mortgage at the proposed time of the closing of the Purchaser’s pur chase of the Unit. The first mortgage loan and/or the Habitat First Mortgage shall fund concurrently with Authority’s funding of the Authority Second Mortgage Assistance and the purchase of the Unit from the Developer. 5.6.4 Down Payment The Purchaser shall have deposited into escrow any down payment as may be required. 5.6.5 Second Mortgage Assistance Documents The Purchaser of a Unit shall have si gned and delivered to Authority or escrow, as applicable, all applicable Second Mortgage Assistance Documents. 5.6.6 Insurance The Purchaser shall have provided Authority and Developer, if applicable, with evidence of insurance on the Unit in accordan ce with the applicable Habitat First Mortgage or Second Mortgage Assistance Documents. ATTACHMENT 3 55 Page 44 5.6.7 Sales Contract Authority shall have approved the sales contract between Developer and the Purchaser in the amount of fair market valu e of the Unit and such sales contract and any other documents required in connect ion with the sale and purchase of the Unit shall have been executed by the parties thereto. 5.6.8 Fair Market Sales Price; Purchaser Developer shall have demonstrated to Authority that the Unit is being sold to the Purchaser at fair market value, determin ed by a comparable sales analysis prepared on behalf of Developer and approved by Authority’s financial consultant. 5.6.9 Release of Construction Covenants A Release of Construction Covenants shall have been recorded against the Unit for which the Second Mortgage Assistance is being requested. ARTICLE 6 DEFAULTS, REMEDIES AND TERMINATION Section 6.1 Defaults - General a. Subject to the Force Majeure Delay, as provided in Section 6.4 below, failure or delay by either party to perform any term or provision of this Agreement constitutes a default under this Agreement. The party who fa ils or delays must immediately commence to cure, correct or remedy such failure or delay and shall complete such cure, correction or remedy with reasonable diligence. b. The injured party shall give writ ten notice of defau lt to the party in default, specifying the default complained of by the injured party. Failure or delay in giving such notice shall not constitute a waiver of any default, nor shall it change the time of default. Except as otherwise expressly provided in this Agreement, any failures or delays by either party in asserting any of its rights and remedies as to any default shall not operate as a waiver of any default or of any such rights or remedies. Delays by either party in asserting any of its rights and remedies shall not deprive either party of its right to institute and ma intain any actions or proceedings which it may deem necessary to pr otect, assert or enforce any such rights or remedies. c. If a monetary event of default oc curs, prior to exerci sing any remedies hereunder, the injured party shall give the party in default written notice of such default. The party in default shall have a period of 7 days afte r such notice is given within which to cure the default prior to exercise of remedies by the injured party. d. If a non-monetary event of default occurs, prior to exercising any remedies hereunder, the injured party shall give the party in default notice of such default. If the default is reasonably capable of being cured within 30 days, the party in default shall have su ch period to effect a cure prior to exercise of remedies by the in jured party. If the default is such that it is not ATTACHMENT 3 56 Page 45 reasonably capable of being cured within 30 days, and the party in default (i) initiates corrective action within said period, and (ii) diligently, continually, and in good faith works to effect a cure as soon as possible, then the pa rty in default shall have such additional time as is reasonably necessary to cure the default prior to exercise of any remedies by the in jured party. In no event shall the injured party be precluded from exercisi ng remedies if its security becomes or is about to become materially jeopardized by any failure to cure a default or th e default is not cured within 90 days after the first notice of default is given. Section 6.2 Institution of Legal Actions Subject to the notice and cure provisions of Section 6.1 above, in addition to any other rights or remedies (and except as otherwise pr ovided in this Agreement), either party may institute legal action to cure, correct or remedy a ny default, to recover damages for any default, or to obtain any other remedy consistent with the purpose of this Agreement. Such legal actions must be instituted in the Superior Court of the County of Los Angeles, State of California, in any other appropriate court of that county, or in the United States District Court for the Central District of California. Section 6.3 Applicable Law The laws of the State of California shall govern the interpretation and enforcement of this Agreement. Section 6.4 Acceptance of Service of Process a. In the event that any legal action is commenced by the Developer against the Authority, service of process on the Author ity shall be made by personal service upon the Executive Director of the Authority or in such other manner as may be provided by law. b. In the event that any legal acti on is commenced by the Authority against the Developer, service of process on the Deve loper shall be made by personal service upon the Developer (or upon an officer of the Developer) and shall be valid whether made within or without the State of California, or in such manner as may be provided by law. Section 6.5 Rights and Remedies Are Cumulative Except with respect to rights and remedies e xpressly declared to be exclusive in this Agreement, the rights and remedies of the parties are cumulative, and the exercise by either party of one or more of such rights or remedies shall not preclude the exercise by it, at the same or different times, of any other rights or remedies for the same default or any other default by the other party. ATTACHMENT 3 57 Page 46 Section 6.6 Damages If either party defaults with regard to any of the provisions of this Agreement, subject to the notice and cure provisions of Section 6.1 above, the defaulting party sh all be liable to the non-defaulting party for any damages caused by such default, and the non-defaulting party may, after such notice and opportunity to cure (but not before) commence an action for damages against the defaulting party with respect to such default. Notwithstanding the foregoing, neither Developer nor Authority shall in any event be entitled to, and each hereby waives, a ny right to seek loss of profits or any special, incidental or consequential damages of any kind or nature from the other Party arising out of or in connection with this Agreement or the breach or terminati on hereof, and in connection with such waiver each Party is familiar with and hereby waives the provision of Section 1542 of the California Civil Code which provides as follows: “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE WHIC H IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR.” Section 6.7 Specific Performance If either party defaults with regard to any of the provisions of this Agreement, subject to the notice and cure provisions of Section 6.1 above, the non-defaulting party, at its option, may, after such notice and opportunity to cure (but not before) commence an action for specific performance of the terms of this Agreement pertaining to such default. Section 6.8 Termination a. Prior to the Close of Escrow, either party shall have the right to terminate this Agreement in the event the othe r party is in default of any mate rial term or provision of this Agreement, and, following notice, fa ils to cure such default within the time provided in Section 6.1 above. b. Prior to the Close of Escrow, th e Developer shall ha ve the right to terminate this Agreement as provided in pa ragraph d. of Section 3.2 above, and, upon 10 days written notice to Authority as follows: (i) The Developer determines, in its sole and absolute discretion, that (x) the development of the Project is not financially feasible or (y) it is reasonably likely that the Project will not obtain all necessa ry entitlements and environmental clearances necessary for the development and operation of the Proposed Project; and (ii) In the course of its investigati on of the Site, De veloper discovers any currently unknown conditions or circumstances which would materially impact the cost of the Project and/or the use of all or any portion of the Project. ATTACHMENT 3 58 Page 47 (iii) Failure of Developer to commen ce and complete predevelopment work on the Project in accordance herewith shall not constitute a breach hereunder if due to a lack of financing of predevelopment costs. In such an instance, Developer shall have the right to terminate this Agreement. Except as otherwise expressly provided herein, following such termination by Developer prior to conveyance of the Proper ty, neither Authority nor the Developer shall have any further rights against or liability to the other under this Agreement or with respect to the Property or otherwise with respect to the subject matter of this Agreement. Section 6.9 Termination by Authority after Closing a. After the Close of Escrow but before Completion, the Authority shall have the additional right to terminate this Agreement and exercise its right of entry pursuant to Section 5.10 below, in the event any of the following defaults shall occur: (1) The Developer fails to commence construction of the improvements as required by this Agreement for a period of 60 days after written notice from the Authority, provided that the Developer shall not have obtained an extension or postponement to which the Developer may be entitled pursuant to Section 7.4 hereof; or (2) The Developer abandons or su bstantially suspends construction of the improvements for a period of 60 days after wr itten notice has been given by the Authority to the Developer, provided the Developer has not obtained an extension or postponement to which the Developer may be entitled to pursuant to Section 7.4 hereof; or (3) The Developer assigns or atte mpts to assign this Agreement, or any rights herein, or, transfer (except for sales of Units to Purchasers which shall not close until a Release of Construction Covenants is issued), or suffer any invol untary transfer of the Property, or any part thereof, in violation of this Agreem ent, and such breach is not cured within 30 days after the date of written notice thereof; or (4) The Developer otherwise materially breaches this Agreement, and such breach is not cured within the respective times provided in Section 6.1 of this Agreement. b. The rights to cure established in pa ragraph a. shall run concurrently with any other rights to cure set forth in this Agreement or any other instrument. c. The rights established in paragrap h a. shall not apply after the Authority has issued a Release of Construction Covenants. d. In the event the Authority terminates this Agreement pursuant to paragraph a. of this Section 6.9, the Authority sh all have the right to exercise all remedies, including foreclosing on the Deed of Trust, notwithstanding the termination of this Agreement. ATTACHMENT 3 59 Page 48 Section 6.10 Right of Entry for Property a. Subject to the notice and cure provisions of Section 6.1 above, in the event of an uncured default described in Section 6.1 above, the Authority shall have the additional right, at its option, to enter and take possession of the Property (or any portion of the Property) with all improvements, and the Developer agrees that the Developer shall take such actions and execute such instruments necessary or proper to vest in the Authority fee title to the Property. b. Such right to enter, possess and vest shall be subject to and be limited by and shall not defeat, render invalid or limit: (i) any bona fide mortgage, deed of trust, or other security instrument of sale a nd leaseback or other conveyance fo r financing, provided that such mortgage, deed of trust, securi ty instrument, sale and leaseback or conveyance for financing is permitted by this Agreement; and (ii) any rights or interest provided in this Agreement for the protection of the holder of such bona fide, permitted mortgages, deeds of trust or other security instruments, the lessor under such sale and leaseback, or the grantee under such other conveyance for financing. c. The Grant Deed shall contain appr opriate reference and provision to give effect to the Authority’s right, as set forth in this section under specified circumstances prior to Completion, to enter and take possession of the Property, or any part of the Property, with all improvements, and the Developer’s obligation to ta ke such actions and execute such instruments necessary or proper to vest in the Authority fee title to the Property. d. Upon the vesting in the Authority of title to the Property, or any part of the Property, as provided in this Section 6.10, the Authority shall, pursuant to its responsibilities under state law, use its best efforts to resell th e Property, or any part of the Property, as soon and in such manner as the Authority shall find feasib le and consistent with the objectives of the affordable housing program to a qualified and res ponsible party or parties (as determined by the Authority) who will assume the obligation of ma king or completing the improvements, or such other improvements in their stead, as shall be satisfactory to the Authority and in accordance with the uses specified for the Property, or any part of the Property. Upon such resale of the Property, or any part of the Property, the proceeds shall be applied: (1) First, to reimburse the Authority all costs and expenses reasonably incurred by the Authority, includ ing salaries of personnel engage d in such action, in connection with the recapture and resale of the Property, or any part thereof; all taxes, assessments and water and sewer charges with respect to the Property or any part of the Property; any payments made or necessary to be made to discharge or prevent from attaching or being made any subsequent encumbrances or liens due to obligations, defaults or acts of the Developer, its successors or transferees; any expenditures made or obligati ons incurred with respect to the making or completion of the agreed improvements on the Pr operty, or any part of the Property; and any amounts otherwise owing to the Authority by the Developer and its successor or transferee; and ATTACHMENT 3 60 Page 49 (2) Second, to reimburse the Devel oper, its successor or transferee, up to the amount equal to the costs incurred for the development of the Property, or any part of the Property, or for the construction of the Units. e. Any balance remaining after such reimbursements shall be retained by the Authority as its property. f. To the extent that the right estab lished in this section involves a forfeiture, it must be strictly interpreted against the Authority, the party for whose benefit it is created. The rights established in this section are to be interpre ted in light of the fact that the Authority will convey the Property to the Developer for development and not for speculation. ARTICLE 7 GENERAL PROVISIONS Section 7.1 Notices, Demands and Communications between Parties Formal notices, demands and communi cations between the Authority and the Developer shall be sufficiently given if dispatched by register ed or certified mail, postage prepaid, return receipt requested, to the principal offices of the Authority and the Developer, as designated in Sections 1.3 and 1.4 hereof. Su ch written notices, demands and communications may be sent in the same manner to such other addresses as either party may from time to time designate by mail as provided in this Section 7.1. Any notice that is transmitted by electronic transmission followed by delivery of a “har d” copy, shall be deemed delivered upon its transmission; any notice that is personally de livered (including by means of professional messenger service, courier service such as United Parcel Service or Federa l Express, or by U.S. Postal Service), shall be deemed received on the documented date of receipt by the recipient; and any notice that is sent by regist ered or certified mail, postage prepaid, return receipt required shall be deemed received on the date of receipt th ereof. Notices to the Authority shall also be sent to: Kane, Ballmer & Berkman, Attn: Todd C. Mooney, 515 S. Figueroa Street, Suite 1850, Los Angeles, California 90071-3301. Notices to the Developer shall also be sent to: Leibold McClendon & Mann, PC, Attn: Joy Heuser Otsuki, 23422 Mill Creek Drive, Suite 105, Laguna Hills, California 92653. Section 7.2 Conflicts of Interest a. No member, official or employee of the Authority shall have any personal interest, direct or indirect, in this Agreement nor shall any such member, official or employee participate in any decision relating to this Agre ement which affects his personal interests or the interests of any corporation, part nership or association in which he is, directly or indirectly, interested. b. The Developer warrants that it ha s not paid or given, and will not pay or give, any third party any money or other consideration for obtaining this Agreement. ATTACHMENT 3 61 Page 50 c. The Developer warrants that it ha s no knowledge of any financial interest of any Authority employee or official in the Developer, directly or indirectly, or in any person or entity affiliated with the Developer, or in any transaction in which the Developer has been involved. Section 7.3 Nonliability of Authority Officials and Employees No member, official, employee or consultant of the Authority shall be personally liable to the Developer, or any successor in interest, in the event of any default or breach by the Authority or for any amount which may become due to th e Developer or to its successor, or on any obligations under the terms of this Agreement. Section 7.4 Force Majeure In addition to specific provisions of this Agreement, performance by either party hereunder shall not be deemed to be in default where delays or defaults are due to Force Majeure Events. Section 7.5 Inspection of Books and Records The Developer shall maintain complete, accu rate, and current records pertaining to the Property for a period of 5 years after the creati on of such records, and shall permit any duly authorized representative of the Authority, upon reasonable advance notice, to inspect and copy records, including records pertaining to income and household size of Purchasers of the Units, during regular business hours. Records must be kept accurate and current. Section 7.6 Approvals Unless otherwise provided in this Agreement, approvals required of the Authority or the Developer shall not be unreasonably withheld or delayed. In addition, unless otherwise provided in this Agreement, a requirement of Authority approval shall mean the approval of the Authority’s Executive Director or designee. The Authority’s Executive director shall be permitted to approve and execute amendments and modifications to this Agreement, provided, however, any such amendment or modification may be referred for approval of the governing board of the Authority in the Executive Director of the Authority’s reasonable discretion. Section 7.7 Real Estate Commissions Neither the Authority nor the Developer shall be liable for any real estate commissions, brokerage fees or finders fees which may arise fr om the sale of the Prope rty to the Developer. The Authority and the Developer each represent to the other that it has employed no broker, agent, or finder in connection with this transaction. Section 7.8 Further Assurances ATTACHMENT 3 62 Page 51 The Developer shall execute any further docu ments consistent with the terms of this Agreement, including documents in recordable form, as the Authority may from time to time find necessary or appropriate to effectuate its purposes in entering into this Agreement and making the Authority Loan and Authority Seco nd Mortgage Loan, including, without limitation, appropriate controls to regul ate the use of the Property ( e.g., an Agreement Affecting Real Property, setting forth the Developer’s affordable housing obligations). Section 7.9 No Third Party Beneficiaries The Authority and the Developer expressly acknowledge and agree they do not intend, by their execution of this Agreement, to benefit any persons or entities not signatory to this Agreement, except as may be expressly provided fo r herein. No person or entity not a signatory to this Agreement shall have any rights or cause s of action against either the Authority or the Developer arising out of or due to the Authority’s or the Developer’s entry into this Agreement. Section 7.10 Limitation of Liability The obligations of the Authority under th is Agreement shall be a special limited obligation, payable solely out of funds received by the Author ity from the City or the Agency pursuant to a 2011 cooperation agreement, and it is not and shall not be a pledge of or obligation payable through the City’s general fund or the Authority's other funds. Accordingly, nothing in this Agreement shall require or be deemed to require the City to expend or commit to expend monies from its general fund (or for the Authority to expend or commit to expend monies from its other funds) in order to satisfy any of the oblig ations set forth in this Agreement. In the event that the Authority does not have the funds or property to fulfill any obligation under this Agreement, it shall not be consid ered a default under this Agreemen t. The Authority shall have no obligation whatsoever to util ize any other source of funds, ot her than funds received by the Authority from the City or the Agency under such cooperation agreement, to make any payments to the Developer required hereunder, nor shall the City. Section 7.11 California Public Records Act All information regarding the Developer’s business practice which may be provided to the Authority shall remain confidential to the extent permissible by law including, without limitation, the California Public Records Act. If th e Authority at the request of the Developer is required to defend an action under the California Public Records Act with regard to a request for disclosure of any of the documents or reports related to the Project, then the Developer agrees to defend and indemnify the Authority from all cost s and expenses of such defense, including, without limitation, reasonable attorneys’ fees of the Authority or attorneys’ fees awarded by a court arising out of such action. Section 7.12 Advisory Committee on Redevelopment The Developer shall meet with the Adviso ry Committee on Redevelopment as needed to identify and resolve project design and impact issues. ATTACHMENT 3 63 Page 52 ARTICLE 8 ENTIRE AGREEMENT, WAIVERS AND AMENDMENTS a. This Agreement shall be executed in five duplicate originals each of which is deemed to be an original. This Agreement includes 53 pages and 6 attachments, including all exhibits appended to such attachments, which constitute the entire understanding and agreement of the parties. b. This Agreement integrates all of the terms and conditions mentioned herein or incidental hereto, and supersedes all negotiations or previous agreements between the parties with respect to all or any part of the Propert y, including that certai n Exclusive Negotiating Agreement entered into by the parties in 2011. c. All waivers of the provisions of this Agreement must be in writing and signed by the appropriate authorities of the Authority or the Developer, and all amendments hereto must be in writing and signed by the appropriate authorit ies of the Authority and the Developer. This Agreement and any provisions hereof may be amended by mutual written agreement by the Developer and the Authority. ARTICLE 9 TIME FOR ACCEPTANCE OF AGREEMENT BY AUTHORITY; DATE OF AGREEMENT This Agreement, when executed by the Developer and delivered to the Authority, shall not be effective until executed by the Authority following a noticed public hearing as required by law. In the event the Authority fails to approve, execute and deliver this Agreement to the Developer within 60 days after this Agreement is signed by the Develope r, the Developer shall have the right to withdraw its offer to enter in to this Agreement by providing written notice to the Authority. This Agreement shall be dated for reference purposes as of the date set forth in the introductory paragraph hereof, but shall not be effective until executed by the Authority, as indicated below. ATTACHMENT 3 64 IN WITNESS WHEREOF, the pa rties hereto have caused this Agreement to be executed as of the date first written above. CULVER CITY HOUSING AUTHORITY, a public body, corporate and politic By: John M. Nachbar Executive Director APPROVED AS TO CONTENT: CULVER CITY HOUSING AUTHORITY, a public body, corporate and politic By: ____________________________ Sol Blumenfeld, Assistant Executive Director APPROVED AS TO FORM: KANE, BALLMER & BERKMAN Special Counsel By: _______________________________ Todd C. Mooney [Signatures Continued on Following Page] ATTACHMENT 3 65 HABITAT FOR HUMANITY OF GREATER LOS ANGELES, a California non-profit corporation Dated: ____________________ By: _________________________________ Erin Rank President and CEO ATTACHMENT 3 66676869707172737475LICENSE AGREEMENT BY AND BETWEEN CULVER CITY HOUSING AUTHORITY AND HABITAT FOR HUMANITY OF GREATER LOS ANGELES (4044-4068 Globe Avenue) THIS LICENSE AGREEMENT is entered into by and between the CULVER CITY HOUSING AUTHORITY, a public body, corporate and politic (the “Authority”) and HABITAT FOR HUMANITY OF GREATER LO S ANGELES, a California non-p rofit corporation (the “Developer”). The Authority and Developer agree as follows: RECITALS A. The Authority holds fee title to certain real properties hereinafter defined as the “Site” and Developer desires to acquire the Site from the Authority for the construction and operation on the Site of the improvements (the “Project”) described in the Disposition, Development and Loan Agreement between the Authority and the Developer dated as of January 30, 2012 (the “DDA”). B. The Authority and Developer desire that Developer have an opportunity to conduct due diligence on the Site, which may include performing physical tests on the Site, prior to the parties entering into a written agreement to convey the Site to the Developer. NOW THEREFORE, the Parties agree as follows: 1. Parties to the Agreement. (a) The Authority is a public body, corporate and politic, exercising municipal functions and powers. The principal office of the Authority is lo cated at 9770 Culver Boulevard, Culver City, California 90232-0507 or such other location of which notice is given pursuant to this Agreement. “Authority” as used in this Ag reement includes any assignee of or successor to its rights, powers and responsibilities. (b) The Developer is Habitat for Humanity of Greater Los Angeles, a California non-profit corporation. The principal office of th e Developer is located at 17700 S. Figueroa Street, Gardena, California 90248 or such other location of which notice is given pursuant to this Agreement. 2. Description of Site. The Authority is the owner of certain real properties located at 4044-4068 Globe Avenue in the City of Culver City, Los Ange les County, California, and more particularly described in Exhibit A and illust rated by the site map in Exhibit B, which are attached to this Agreement and hereby incorporated by reference (the “Site”). 3. Grant of License. Attachment No. 2 76 License Agreement (4044-4068 Globe Avenue) Page 2 of 9 (a) Subject to and conditioned upon th e terms and conditions of this Agreement, the Authority grants to Developer and its authorized agents a license (the “License”) to perform the following acts on the Site: (1) obtain soil samples and make such other surveys, investigations and tests reasonably necessary to determine the suitability of the Site for the development, financing and/or constructi on of the Project; and (2) conduct reasonable investigations on and beneath the Site and all improvements thereon to determine the presence of Hazardous Materials and/or ot her soil conditions. As used herein, the phrase “Hazardous Materials” shall have the same meaning given to it in the DDA. (b) Developer may not use the Site for any other purpose without obtaining the Authority’s prior written consent. 4. Term. This License shall commence on the Ef fective Date of the DDA and shall automatically expire, without need for fu rther notice of any kind, upon Closing of the conveyance of the Site in accordance with the DDA, unless otherwise mutually extended beforehand by the parties in writing or earlier terminated in accordance with its terms (the “Term”). 5. Compliance With Laws. Developer, at its expense, shall comply in all material re spects with all applicable federal, state and local laws, or dinances, regulations, ru les and orders with respect to the Site, including all applicable federal and state labor laws. Developer, its agents, contractors, licensees, employees or invitees shall not permit to be placed upon the Site any Hazardous Materials, except for de minimis quantities used in compliance with al l applicable environmental laws and required in connection with Developer’s permitted activities under this License. Developer shall conduct all of its operations on the Site at its sole cost and expense. 6. Reports and Studies. In consideration of the Au thority’s granting of this License, Developer shall promptly provide the Authority without representation or warranty with a copy of all reports and test results arising from this License which are not legally privileged. 7. License Nonassignable. This License is personal to Developer a nd shall not be assigned. Any attempt to assign the License shall automatically terminate it, without need for notice of any kind. No legal title or interest in the Site is created or vested in Developer by the grant of this License. 8. Nonexclusive License. This License is nonexclusive. Nothing c ontained herein shall be construed to restrict or prevent the entry onto and use of the Site during the Term of the License by the Authority or its agents, consultants, assigns and other licensees. Attachment No. 2 77 License Agreement (4044-4068 Globe Avenue) Page 3 of 9 9. Surrender. On or before the termination date for the License, Developer shall remove all of its personal property from the Site and shall (except as prohibited by any local State or Federal agency) fill any excavations made by Developer to return the Site to its previous condition and shall surrender possession of the Site to the Aut hority in good order and repair to the satisfaction of the Authority, normal wear and tear excepted. 10. Release and Indemnity. Developer, as a material part of the consideration to be rendered to the Authority for the granting of this License, for itself and its successors and assigns, hereby agrees: (a) to indemnify, defend, protect and hol d the Authority and the City of Culver City (the “City”), their directors, officers, employees, agents, and successors and assigns (the “Indemnified Parties”), fr ee and harmless against all suits and causes of action, claims, costs, and liability, including, but not limited to, reasonable attorney’s fees and costs of any litigation, or arbitration or mediation, if any, aris ing from the exercise of the License, including, but not limited to: (1) any and all risks of or exposure to any loss or liability arising from activities conducted by Developer on the Site under this License; (2) any and all claims arising from or relating to the transportation, storage, handling or use of any material taken from the Site pursuant to the License, or from any substance, known or unknown, emanating or derived therefrom; and (3) any and all claims for damage to the Site, any improvements thereon, or to the property or person of any third party, alleged to have been caused by, or in any way connected with the activities conducted by Developer on the Site under this License or any material taken from the Site pursuant to the License. Nothing in this Section shall be construed to mean that Developer shall hold the Indemnified Parties harmless and/or defend them to the extent of any claims arising from, or alleged to arise from the sole negligence or willf ul misconduct of any of the Indemnified Parties. The Authority and the City agree that they shall fully cooperate with Developer in the defense of any matter in which Developer is defending and/or holding the Indemnified Parties harmless. The Authority and the City may make all r easonable decisions with respect to their representation in any legal proceeding, including, but not limited to, the selection of attorney(s). This indemnity obligation shall survive the term ination of this Agreement. Notwithstanding the foregoing, Developer shall have no obligation to indemnify an Indemnified Party for loss, liability, claims, damages and expenses arising solely from Developer’s discovery of Hazardous Materials already present on the Site prior to the commencement of this License, so long as Developer has not materially contributed to th e placement, release or migration of such pre- existing Hazardous Materials. Attachment No. 2 78 License Agreement (4044-4068 Globe Avenue) Page 4 of 9 (b) To fully and finally release the In demnified Parties from any and all claims, demands, actions, or suits of any kind or nature arising out of any liability, known or unknown, present or future, including, but not limited to, rights or claims for implied contribution or indemnity, or any claim or liability based or asserted pursuant to any law or ordinance which seeks to impose any liability or damage whatsoever upon any Indemnified Party arising from the execution and/or performance of this License Agreement, or from any of its terms. In connection with the foregoing release, Developer hereby acknowledges that it has been advised by legal counsel and is familiar with the provisions of California Civil Code, section 1542, which provides as follows: A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF K NOWN BY HIM MUST HAVE MATERIALLY AFFECTED HI S SETTLEMENT WITH THE DEBTOR. Developer, being aware of such code section, agrees to expressly waive any rights it may have thereunder, as well as under any othe r statute or common law principles of similar effect. ______________ ________________ Authority’s Initials Developer’s Initials 11. Insurance. (a) Developer shall maintain or cause to be maintained Commercial General liability insurance, to protect against loss from liability imposed by law for damages on account of bodily injury, including death therefrom, suff ered or alleged to be suffered by any person or persons whomsoever on or about the Site, resultin g directly or indirect ly from any acts or activities of Developer, or a ny person acting for Developer, or under its respective control or direction, and also to protect against loss from liability imposed by law for damages to any property of any person occurring on or about the Site, or in connection with Developer’s activities thereon, caused directly or indirectly by or from act s or activities of Developer, or any person acting for Developer, or under its cont rol or direction. Such property damage and personal injury insurance shall al so provide for and protect the Authority against incurring any legal cost in defending claims for alleged loss. Such persona l injury and property damage insurance shall be maintained in full force and effect during the Term in the following amounts: commercial general liability in a general aggregate amount of not less than Two Million Dollars ($2,000,000); and a per occurrence limit not less than One Million Dollars ($1,000,000) of bodily injury and property damage insurance. Developer agrees that provisions of this paragraph as to maintenance of insurance shall not be cons trued as limiting in any way the extent to which Developer may be held responsible for the inde mnification of Authority or the payment of damages to persons or property resulting from De veloper’s activities, or the activities of any other person or persons for which Developer is otherwise responsible. Attachment No. 2 79 License Agreement (4044-4068 Globe Avenue) Page 5 of 9 (b) Developer shall maintain or cause to be maintained workers’ compensation insurance issued by a responsible carri er authorized under the laws of the State of California to insure employers against li ability for compensation under the workers’ compensation laws now in force in California, or any laws hereafter enacted as an amendment or supplement thereto or in lieu thereof. Such workers’ compensation insurance shall cover all persons employed by Developer in connection with the Site and shall cover liability within statutory limits for compensation under any such act aforesaid, based upon death or bodily injury claims made by, for or on behalf of any employee of Developer incurring or suffering injury or death in connection with the Site or the opera tion thereof by Developer. Notwithstanding the foregoing, Developer may, in complianc e with the laws of the State of California and in lieu of maintaining such insurance, self-insure for wo rkers’ compensation in which event Developer shall deliver to Authority evidence that such self-insurance has been approved by the appropriate State authorities. (c) All policies shall name the Authority and the City as additional insureds. (d) All insurance provided under this sec tion shall be for the benefit of Developer, Authority and the Ci ty. Developer agrees to timel y pay all premiums for such insurance and, at its sole cost and expense, to comply and secure compliance with all insurance requirements necessary for the maintenance of such insurance. Developer agrees to submit policies of all insurance required by this section, or certificates ev idencing the existence thereof, and additional insured endorsements to Authority not less than 15 days prior to its commencement of any activities on th e Site, indicating full coverage of the contractual liability imposed hereby. “Full coverage” for contractual lia bility in this section (d) is defined as the coverage grant under the ISO CG 0001 policy form definition of an “insured contract.” All insurance herein provided for shall be effected under policies issued by insurers of recognized responsibility, licensed and admitted to do business in the State of California (or if not admitted in California shall have a “General Policyholders Rating” of at least “A-” as set forth in the most current issue of “Best’s Key Ra ting Guide”), reasonably approved by Authority. All policies or certificates of insurance shall provide that such policies shall not be canceled or limited in any manner without at least thirty (30) days prior written notice to Authority. (e) The evidence of insurance required hereunder is a condition precedent to Developer’s right to enter upon the Site. If Developer fails or refuses to procure or maintain the insurance required by this Agreement, the License granted by this Agreement shall automatically terminate and be of no further force or effect. 12. Authority’s Authorized Representative. Unless otherwise specified or the context requires otherwise, all references to the Authority in this Agreement and its attachments shall mean the Executive Director of the Authority or any officer or employee of the Au thority to whom the governing board of the Authority delegates authority to perform, carry out and/or enforce this Agreement. Unless otherwise specified or the context requires otherwise, all references to the Executive Director of the Authority shall mean the Executive Director of the Authority or his or her designee. 13. Notices, Demands And Communications Between The Parties. Attachment No. 2 80 License Agreement (4044-4068 Globe Avenue) Page 6 of 9 Formal notices, demands and communications between the Authority and Developer shall be sufficiently given if dispatched by register ed or certified mail, postage prepaid, return receipt requested, to the principa l offices of the Authority and the Developer. Such written notices, demands and communications may be sent in the same manner to such other addresses as either party may from time to time designate by mail. Any notice that is transmitted by electronic facsimile transmission followed by delivery of a “hard” copy, shall be deemed delivered upon its transmission; any notic e that is personally delivered (including by means of professional messenger service, courier service such as United Parcel Service or Federal Express, or by U.S. Postal Service), shall be deemed received on the documented date of receipt by the recipient; and any notice that is sent by registered or certified mail, postage prepaid, return receipt required shall be deemed received on the date of receipt thereof. 14. Conflict of Interest. To the extent prohibited by law, no member, official or employee of the Authority shall have any personal interest, direct or indirect, in this Agreement nor shall any such member, official or employee participate in any decision relating to the Agreement which affects his or her personal interests or the inte rests of any corporation, partners hip or association in which he or she is directly or indirectly interested. Developer warrants that it has not paid or given, and will not pay or give, any third party any money or other consideration for obtaining this Agreement. 15. Non-liability of Officials and Employees. (a) No member, official or employee of the Authority or the City shall be personally liable to Developer, or any successor in interest, in the event of any default or breach by the Authority or for any amount which may b ecome due to Developer or on any obligations under the terms of this Agreement. This release shall not appl y in the event of fraud by the Authority or the City or any member, officer or employee thereof. (b) No member, official or employee of Developer shall be personally liable to the Authority, or any successor in interest, in the event of any default or breach by Developer or for any amount which may become due to the Authority or its successor or on any obligations under the terms of this Agreement. This rel ease shall not apply in the event of fraud by Developer or any member, official, or employee of Developer. 16. Interpretation of Agreement; Terminology; Application of Law. This Agreement has been negotiated at arm’s length and between persons sophisticated and knowledgeable in the matters addressed herein. In addition, each Party has been given the opportunity to consult with experienced a nd knowledgeable legal counsel. Accordingly, any rule of law (including Civil C ode section 1654) or legal decision that would require interpretation of any ambiguities in this Agreement against the Party that has drafted it is not applicable and is waived. The provisions of this Agreement shall be interpreted in a reasonable manner to effectuate the purpose and inte nt of the parties to this Agreement. This Agreement shall be construed and enforced in a ccordance with the internal laws of California Attachment No. 2 81 License Agreement (4044-4068 Globe Avenue) Page 7 of 9 and not the law regarding conflict of laws, except to the extent that Federal law preempts State law When the context so requires when used in this Agreement, the masculine gender shall be deemed to include the feminine and neuter gender and the neuter gender shall be deemed to include the masculine and feminine gender. Wh en the context so requires when used in this Agreement, the singular shall be deemed to in clude the plural. The paragraph and section headings have been used for convenience only, and shall not be used in the interpretation hereof. 17. Waivers. A waiver by the Authority or Developer of any term, covenant, or condition herein contained shall not be a waiver of such term, covenant, or condition on any subsequent breach. All waivers must be in writing and sign ed by the appropriate re presentatives of the Authority or Developer. 18. Time of the Essence. Time is of the essence in this Agreem ent and each and all of its provisions in which performance is a factor. 19. Attorneys’ Fees and Costs. If any action or proceeding is brought by any Party ag ainst any other Party under this Agreement, whether for interpretation, enfor cement or otherwise, the prevailing Party shall be entitled to recover all costs and expenses, including the reasonable fees of its attorney and any expert witnesses in such action or proceeding. This provision shall also apply to any post- judgment action by either Party, including without limitation efforts to enforce a judgment. 20. Severability. Any provision of this Agreement that sha ll prove to be invali d, void, or illegal shall in no way affect, impair, or invalidate any other provision hereof and such other provisions shall remain in full force and effect. 21. Entire Understanding Of The Parties; Amendments. This Agreement, including any document or instrument incorporated herein by reference, contains a complete and final expre ssion of the agreement between the Authority and Developer relating to this License, and there are no promises, representations, agreements, warranties, or inducements either express or implied other than as are set forth in this Agreement. Any and all previous discussions or agreements between the Authority and Developer with respect to this License, whether oral or written, are superseded by this Agreement. No amendment, change, or addition t o, or waiver of termination of, this Agreement or any part hereof shall be valid unless in writing and signed by the Authority and Developer. 22. No Third Party Beneficiaries. Attachment No. 2 82 License Agreement (4044-4068 Globe Avenue) Page 8 of 9 The parties to this Agreem ent acknowledge and agree that the provisions of this Agreement are for the sole benefit of the Author ity and the Developer, a nd not for the benefit, directly or indirectly, of any other person or entity, except as otherwise expressly provided herein. 23. Further Assurances. Each of the parties hereto shall execute and deliver an y and all additional papers, documents and other assurances, and shall do any and all necessary acts and things in connection with the performance of their obligations hereunder and to carry out the intent and agreements of the parties. 24. Execution in Counterparts. This Agreement may be executed in several counterparts and all such executed counterparts shall constitute one agreement, binding on all of the parties hereto, notwithstanding that all of the parties hereto are not signatories to the original or to the same counterpart. This Agreement shall not be binding unless and until all parties hereto have executed this Agreement. 25. Authority to Sign. The Developer represents and warrants that it has all requisite power and authority to conduct its business and to execute, deliver, and perform the Agreement. Each Party warrants that the individuals w ho have signed this Agreement ha ve the legal power, right, and authority to make this Agreement and to bind each respective Party. Attachment No. 2 83 License Agreement (4044-4068 Globe Avenue) Page 9 of 9 IN WITNESS WHEREOF, the Parties hereto have caused this Agreement to be executed as of the date first written above. CULVER CITY HOUSING AUTHORITY Dated: _______________ By: __________________________ John M. Nachbar Executive Director APPROVED AS TO FORM: KANE, BALLMER & BERKMAN By: _______________________________ Todd C. Mooney Special Counsel HABITAT FOR HUMANITY OF GREATER LOS ANGELES, a California non-profit corporation Dated: ___________________ By: ____________________________ Erin Rank President and CEO Attachment No. 2 84 License Agreement (11054-11056 West Washington Boulevard) Exhibit A - Legal Description EXHIBIT A LEGAL DESCRIPTION OF SITE THAT REAL PROPERTY LOCATED IN THE CITY OF CULVER CITY, COUNTY OF LOS ANGELES, STATE OF CALIFORNIA, DESCRIBED AS FOLLOWS: Attachment No. 2 85 EXHIBIT “B” SITE MAP Attachment No. 2 86Final SOP Globe Ave DDA v3.docx Globe Avenue Properties ENA ATTACHMENT NO. 3 SCHEDULE OF PERFORMANCE Deadline for Performance Days from Effective Date (Step 1) 1. Authority approves DDA January 30, 2012 2. Authority Deposits Loan Funds into Escrow January 31, 2012 1 3. Developer conducts first community meeting. [Completed] 4. Developer conducts second community meeting February 9, 2012 10 5. Developer submits financial pro forma, including proposed sources and uses and cash flow projections March 13, 2012 43 6. Developer submits Conceptual Plans to Planning staff for Preliminary Plan Review March 13, 2012 43 7. Authority opens Escrow for sale of the Property March 29, 2012 59 8. Authority delivers preliminary title report, Due Diligence and Environmental Reports to Developer April 10, 2012 71 9. Authority staff determines whether Conceptual Plans are complete to submit for a Preliminary Plan Review (PPR) and submits draft of Authority Grant Deed, Addendum to Purchaser Grant Deed, Authority Note, Authority Deed of Trust, Environmental Indemnity, Notice of Affordability Restrictions, Assignment of Agreements and any other documents to be executed by Developer prior to Closing to May 30, 2012 121 87Final SOP Globe Ave DDA v3.docx Globe Avenue Properties ENA Developer 10. Developer provides comments on draft grant deed, deed of trust, promissory note, second mortgage documents and other attachments to DDA May 31, 2012 122 11. Submittal of Comprehensive Plan and Tentative Tract Map October 31, 2012 275 12. Developer conducts third community meeting In lieu of a 3 rd meeting, Developer gets credit for the ACOR Meetings in January and March of 2009. 13. Authority delivers Phase I Environmental Report to Developer March 23, 2012 53 14. Authority approves or disapproves Conceptual Plans July 7, 2012 159 15. Council Hearing – Comprehensive Plan February 28, 2013 395 16. Submit to Plan Check April 30, 2013 456 17. Expiration of Due Diligence Period March 15, 2013 410 18. Authority and Developer finalize Authority Instruments and other documents necessary for closing January 31, 2013 367 19. Developer submits final Project Budget, Construction Budget and evidence of financing June 30, 2013 517 20. Authority delivers Closing Escrow Instructions and updated title report July 1, 2013 518 21. All documents required for closing delivered to Closing Escrow July 8, 2013 525 22. Closing of conveyance of Property to Developer, Authority Loan and related transactions under DDLA July 22, 2013 539 88Final SOP Globe Ave DDA v3.docx Globe Avenue Properties ENA 23. Permits Issued July 28, 2013 545 24. Construction Commenced August 15, 2013 563 25. Developer submits Marketing Plan March 1, 2013 396 26. Construction Completed February 20, 2015 1117 89 ESCROW AGREEMENT THIS ESCROW AGREEMENT dated as of January 30, 2012 (this “Agreement”) by and among CULVER CITY HOUSING AUTHORITY, a public body, corporate and politic, duly organized and existing under the laws of the state of California (“Party A”); HABITAT FOR HUMANITY OF GREATER LOS ANGELES, a non-profit corporation, duly organized and existing under the laws of the state of California (“Party B”); and ________ Bank, N.A., a national banking association (hereinafter referred to as “Escrow Agent”). NOW, THEREFORE, for good and valuable consideration, the receipt and adequacy of which are hereby acknowledged, the parties hereto, intending to be legally bound, do hereby covenant and agree as follows: Section 1. Appointment of Escrow Agent. Party A and Party B hereby appoint Escrow Agent to act as escrow agent in accordance with the terms and conditions set forth herein, and Escrow Agent hereby accepts such appointment. Section 2. Establishment of Escrow Account. Escrow Agent shall open and maintain an escrow account on the terms and conditions set forth herein (the “Escrow Account”). The Escrow Funds (as defined below) held in the Escrow Account shall not bear interest independently of the interest, dividends and other distributions and payments that may arise from Permitted Investments (as defined below) made pursuant to Section 5 hereof. Section 3. Wire Instructions. Wire transfer instructions for sending the Escrow Funds, as hereinafter defined, to Escrow Agent are as follows: _________ Bank, N.A. ABA: _____________ Account: ________________ Account Name: _________________ For Further Credit: [to be provided] Attention: [________________] Section 4. Deposits into the Escrow Account. Party A simultaneously with or within one Business Day after the execution and delivery of this Agreement will make a deposit with Escrow Agent in the sum of $1,262,500 in immediately available funds (the “Escrow Funds”), which Escrow Funds shall be held by Escrow Agent under the terms and conditions hereinafter set forth. The Escrow Funds, plus all interest, dividends and other distributions and payments thereon received by Escrow Agent from time to time, less any property distributed and/or disbursed in accordance with this Agreement, from time to time are collectively referred to hereinafter as the “Escrow Property”. Escrow Agent shall have no duty to solicit delivery of the Escrow Funds. For purposes of this Agreement “Business Day” shall mean any day _________ Bank, N.A. is open for business at the address set forth herein, excluding Saturdays and Sundays. Attachment No. 4 90 Section 5. Investment of the Escrow Property. (a) As soon as practicable after the receipt thereof, Escrow Agent shall cause the Escrow Property to be invested in such Permitted Investments as defined below as Party A may specify in writing from time to time. During the term of this Agreement, Party A shall bear and retain the sole responsibility for the selection of the investments of the Escrow Property and all risks from any such investments. (b) “Permitted Investments” shall be one or more of the following: i. direct obligations of, or obligations fully guaranteed as to principal and interest by, the United States or any agency or instrumentality thereof, provided such obligations are backed by the full faith and credit of the United States, including but not limited to, [the HighMark Funds U.S. Government Money Market Fund]; or ii. a deposit account of Escrow Agent insured by the Federal Deposit Insurance Corporation, provided, however, that such deposit account shall not exceed $250,000. (c) In the absence of written instructions, Escrow Agent will invest the Escrow Property in the _________ Bank, N.A. Institutional Trust Deposit Account l (an interest bearing deposit account of Escrow Agent). Escrow Agent shall have no obligation to invest the Escrow Property if deposited with Escrow Agent after 11:00 a.m. (P.T.) on the day of deposit. Instructions received after 11:00 a.m. (P.T.) will be treated as if received on the following Business Day. Escrow Agent shall have no responsibility for any investment losses resulting from the investment, reinvestment or liquidation of the Escrow Property. Any interest or other income received on such investment and reinvestment of the Escrow Property shall become part of the Escrow Property and losses incurred on such investment and reinvestment of the Escrow Property shall be reflected in the value of the Escrow Property from time to time. Notwithstanding the foregoing, Escrow Agent shall have the power to sell or liquidate the foregoing investments whenever Escrow Agent shall be required to release all or any portion of the Escrow Property pursuant to this Agreement. In no event shall Escrow Agent be deemed an investment manager or adviser in respect of any selection of investments hereunder. Section 6. Distribution of the Escrow Property. Escrow Agent shall hold the Escrow Property in its possession and disburse the Escrow Property or any specified portion thereof only as follows: (a) Three Business Days prior to any requested disbursement from the Escrow Account, (i) Party A may deliver a written notice signed by an authorized person set forth on Schedule I attached hereto (“Authorized Representative”) of Party A to disburse all or a portion of the Escrow Property to Party B, (ii) Party A may deliver a written notice signed by an Authorized Representative of Party A and Party B to disburse all or part of the Escrow Property to Party A or such other party so specified therein, or (iii) if required to comply with any Attachment No. 4 91 applicable law, on or prior to June 1, 2012, Party A may deliver a written notice signed by an Authorized Representative of Party A only to disburse all or part of the Escrow Property to Party A or such other party so specified therein (the “Disbursement Instruction”). A Disbursement Instruction must be signed by the proper party’s Authorized Representative and delivered pursuant to Section 11 below. Escrow Agent shall and is hereby authorized to withdraw and pay said disbursement as specified in a Disbursement Instruction. Escrow Agent may act upon a Disbursement Instruction received pursuant to Section 11 hereunder and may rely upon the signature(s) thereon of an Authorized Representative regardless of by whom or by what means the actual or purported signature(s) thereon may have been affixed thereto if such signature(s) resemble the specimen on Schedule I attached hereto or as provided to Escrow Agent from time to time. Escrow Agent shall incur no liability to Party A or Party B or otherwise for having acted in accordance with instructions on which it is authorized to rely pursuant to the provisions hereof. All payments of the Escrow Property requested by Party A will be effected by wire transfer in immediately available funds. Section 7. Compensation of Escrow Agent. Escrow Agent shall be entitled to receive payment from Party A for fees, costs and expenses for all services rendered by it hereunder in accordance with Schedule II to this Agreement. Party A shall reimburse Escrow Agent on demand for all losses, liabilities, damages, disbursements, advances or expenses paid or incurred by it in the administration of its duties hereunder, including, but not limited to, all counsel, advisor and agent fees and disbursements. At all times, Escrow Agent will have a right of set off and first lien upon the Escrow Account for payment of customary fees, costs and expenses and all such losses, liabilities, damages or expenses from time to time. Such fees, costs and expenses shall be paid from the Escrow Property to the extent not otherwise paid hereunder and Escrow Agent may sell, convey or otherwise dispose of any Escrow Property for such purpose. The obligations contained in this Section shall survive the termination of this Agreement and the resignation or removal of Escrow Agent. Section 8. Resignation or Removal of Escrow Agent. Escrow Agent may resign and be discharged from its duties hereunder at any time by giving written notice thirty calendar days prior to such resignation to Party A and Party B as provided in this Section. Party A and Party B may remove Escrow Agent at any time by giving written notice signed by the proper party’s Authorized Representative at least thirty calendar days prior to such removal to Escrow Agent. Following such resignation or removal, a successor Escrow Agent shall be appointed by Party A and Party B, who shall provide written notice of such to the resigning or removed Escrow Agent. Such successor Escrow Agent shall become Escrow Agent hereunder, and all Escrow Property shall be transferred to it upon the resignation or removal date specified in such notice. If Party A is unable to appoint a successor Escrow Agent within thirty calendar days after such notice, Escrow Agent may, in its sole discretion, deliver the Escrow Property to Party B at the address provided herein or may petition any court of competent jurisdiction for the appointment of a successor Escrow Agent or for other appropriate relief. The costs and expenses (including but not limited to its attorney fees and expenses) incurred by Escrow Agent in connection with such proceeding shall be paid by Party A. On the resignation/removal date and after receipt of the identity of the successor Escrow Agent, Escrow Agent shall either deliver and/or disburse Attachment No. 4 92 the Escrow Property then held hereunder to the successor Escrow Agent, less Escrow Agent’s fees, costs and expenses or other obligations owed to Escrow Agent. Upon its resignation or removal and delivery and/or disbursement of the Escrow Property in its entirety as set forth in this Section, Escrow Agent shall be discharged of and from any and all future obligations arising in connection with the Escrow Property or this Agreement. Section 9. Indemnification of Escrow Agent. Party A agrees to indemnify and hold Escrow Agent harmless with respect to any acts Escrow Agent takes in accordance with the terms and conditions of this Agreement. Party A agrees to indemnify and hold Escrow Agent harmless against any and all liabilities, losses, claims, damages or expenses, including reasonable attorney’s fees, that Escrow Agent may incur by reason of or based upon its actions under this Agreement other than as a result of the gross negligence or willful misconduct of Escrow Agent. This indemnification obligation shall survive the termination of this Agreement and the resignation or removal of the Escrow Agent. Section 10. Rights, Duties and Immunities of Escrow Agent. Acceptance by Escrow Agent of its duties under this Agreement is subject to the following terms and conditions, which all parties to this Agreement hereby agree shall govern and control the rights, duties and immunities of Escrow Agent. (a) The duties and obligations of Escrow Agent shall be determined solely by the express provisions of this Agreement and no duties, responsibilities, or obligations shall be inferred or implied. Escrow Agent shall not be liable except for the performance of such duties and obligations as are expressly and specifically set out in this Agreement. Escrow Agent shall not be liable for the accuracy of any calculations or the sufficiency of any funds for any purpose. (b) Escrow Agent shall not be required to expend or risk any of its own funds or otherwise incur any liability, financial or otherwise, in the performance of any of its duties hereunder. (c) Escrow Agent shall not be required to inquire as to the performance or observation of any obligation, term or condition under any other agreements or arrangements between Party A and Party B. (d) Escrow Agent shall not have any responsibility to determine the authenticity or validity of any notice, direction, instruction, instrument, document or other items delivered to it by any party, or for the identity, authority or rights of persons executing or delivering any such notice, direction, instruction, instrument, document, or other items delivered to it by such party or parties. Escrow Agent is authorized to comply with and rely upon any notice, direction, instruction or other communication believed by it to have been sent or given by Party A and/or Party B and shall be fully protected in acting in accordance with such written direction or instructions given to it under, or pursuant to, this Agreement. (e) Escrow Agent is not a party to, and is not bound by, or required to comply with any agreement or other document out of which this Agreement may arise. Escrow Agent shall be under no liability to any party hereto by reason of any failure on the part of Party A, Party B Attachment No. 4 93 or any maker, guarantor, endorser or other signatory of any document or any other third party to perform, such party’s obligations under any such document. Except for amendments to this Agreement referred to herein, and except for notifications or instructions to Escrow Agent under this Agreement, Escrow Agent shall not be obliged to recognize or be chargeable with knowledge of any of the terms or conditions of any agreement between Party A and Party B, notwithstanding that references thereto may be made herein and whether or not it has knowledge thereof. (f) Escrow Agent shall not be bound by any waiver, modification, termination or rescission of this Agreement or any of the terms hereof, unless evidenced in writing and delivered to Escrow Agent signed by the proper party’s Authorized Representative and, if the duties or rights of Escrow Agent are affected, unless it shall give its prior written consent thereto. No person, firm or corporation will be recognized by Escrow Agent as a successor or assignee of Party A or Party B until there shall be presented to Escrow Agent evidence satisfactory to it of such succession or assignment. This Agreement shall not be deemed to create a fiduciary relationship among the parties hereto under state or federal law. (g) If at any time Escrow Agent is served with any judicial or administrative order, judgment, decree, writ or other form of judicial or administrative process which in any way affects the Escrow Property (including but not limited to orders of attachment or any other forms of levies or injunctions or stays relating to the transfer of the Escrow Property), Escrow Agent is authorized to comply therewith in any manner as it or its legal counsel of its own choosing deems appropriate; and if Escrow Agent complies with any such judicial or administrative order, judgment, decree, writ or other form of judicial or administrative process, Escrow Agent shall not be liable to any of the parties hereto or to any other person or entity even though such order, judgment, decree, writ or process may be subsequently modified or vacated or otherwise determined to have been without legal force or effect. (h) Escrow Agent shall not be liable for any action taken or omitted or for any loss or damage resulting from its actions or its performance of its duties hereunder in the absence of gross negligence or willful misconduct on its part. In no event shall Escrow Agent be liable (i) for acting in accordance with or relying upon any instruction, notice, demand, certificate or document from Party A and/or Party B, or any entity acting on behalf of either, (ii) for any consequential, punitive or special damages, (iii) for the acts or omissions of its nominees, designees, subagents or subcustodians, or (iv) for an amount in excess of the value of the Escrow Property, valued as of the date of loss. (i) In the event of any ambiguity or uncertainty hereunder or in any notice or other communication received by Escrow Agent hereunder, Escrow Agent is hereby authorized by Party A and Party B to refrain from taking any action other than to retain possession of the Escrow Property, unless Escrow Agent receives written instructions, signed by an Authorized Representative of both Party A and Party B which eliminates such ambiguity or uncertainty. (j) Escrow Agent may consult with legal counsel of its own choosing, at the expense of Party A, as to any matter relating to this Agreement and Escrow Agent shall incur no liability Attachment No. 4 94 and shall be fully protected in respect of any action taken, omitted or suffered by it in good faith in accordance with the advice or opinion of such counsel. (k) In the event of any dispute or conflicting claim with respect to the payment, ownership or right of possession of the Escrow Account or the Escrow Property, Escrow Agent shall be entitled, in its sole discretion, to refuse to comply with any and all claims, demands or instructions. Escrow Agent is authorized and directed to retain in its possession, without liability to anyone, except for its own gross negligence or willful misconduct, all or any part of the Escrow Property until such dispute shall have been settled either by mutual agreement of the parties concerned or by final order, decree or judgment of a court or other tribunal of competent jurisdiction in the United States of America (as notified to Escrow Agent in writing by the parties to the dispute or their authorized representatives and setting forth the resolution of the dispute). Escrow Agent shall be under no duty whatsoever to institute, defend or partake in such proceedings. The rights of Escrow Agent under this paragraph are in addition to all other rights which it may have by law or otherwise including, without limitation, the right to file an action in interpleader. (l) Escrow Agent shall not incur liability for not performing any act or not fulfilling any duty, obligation or responsibility hereunder by reason of any occurrence beyond the control of Escrow Agent (including but not limited to any act or provision of any present or future law or regulation or governmental authority, any act of God or war, terrorism or the unavailability of the Federal Reserve Bank or other wire or communication facility). (m) When Escrow Agent acts on any communication (including, but not limited to, communication with respect to the delivery of securities or the wire transfer of funds) sent by electronic transmission, Escrow Agent, absent gross negligence or willful misconduct, shall not be responsible or liable in the event such communication is not an authorized or authentic communication of the party involved or is not in the form the party involved sent or intended to send (whether due to fraud, distortion or otherwise). The Escrow Agent shall not be liable for any losses, costs or expenses arising directly or indirectly from the Escrow Agent’s reliance upon and compliance with such instructions notwithstanding such instructions conflict or are inconsistent with a subsequent written instruction. Party A or Party B, as the case may be, agrees to assume all risks arising out of the use of such electronic transmission to submit instructions and directions to the Escrow Agent, including without limitation the risk of the Escrow Agent acting on unauthorized instructions, and the risk or interception and misuse by third parties. (n) Escrow Agent will provide to Party A and Party B monthly statements identifying transactions, transfers or holdings of Escrow Property and each such statement will be deemed to be correct and final upon rece ipt thereof by Party A and Part y B unless Party A or Party B notifies Escrow Agent in writing to the contrary within thirty Business Days of the date of such statement. (o) The Escrow Agent will not be under any duty to give the Escrow Property held by it hereunder any greater degree of care than it gives its own similar property and will not be required to invest any funds held hereunder excep t as directed in this Escrow Agreement. Uninvested funds held hereunder will not earn or accrue interest. Attachment No. 4 95 Section 11. Notices. All notices, consents, requests, instructions, approvals and other communications provided for in this Agreement shall be in writing, signed by the proper party’s Authorized Representative and sent by: (i) personal delivery, overnight delivery by a recognized courier or delivery service, (ii) mailed by registered or certified mail, return receipt requested, postage prepaid, or (iii) electronic transmission, which includes fax machine, email with an imaged or scanned attachment (such as a .pdf) or other similar electronic transmission, (receipt confirmed); and shall become effective when delivered to the addresses noted below or such other address as may be substituted therefor by written notification by the proper party’s Authorized Representative. Notices to Escrow Agent shall be deemed to be effective when actually received by Escrow Agent’s Corporate Trust Department. If to Party A, to: Culver City Housing Authority 9770 Culver Boulevard Culver City, California 90232-0507 Attention: Executive Director Email: _________ With a Copy to: Kane, Ballmer & Berkman 515 S. Figueroa Street, Suite 1850 Los Angeles, California 90071-3301 Attn: Todd C. Mooney Email: _________ If to Party B, to: Habitat for Humanity of Greater Los Angeles, Inc. 17700 S. Figueroa Street Gardena, CA 90248 Attention: Robert Dwelle Email: _________ Copy to: Leibold McClendon & Mann, P.C. 23422 Mill Creek Drive, Suite 105 Laguna Hills, California 92653 Attention: Joy Heuser Otsuki Email: _________ If to Escrow Agent, to: _________ Bank, N.A. __________________ Attn: Corporate Trust Dept. Attachment No. 4 96 Email: Section 12. Wiring Instructions. In the event fund transfer instructions are given other than as set forth on Schedule III attached hereto, such instructions must be communicated to the Escrow Agent in writing delivered pursuant to Section 11. Escrow Agent shall seek confirmation of such instructions by telephone call-back to an Authorized Representative, and Escrow Agent may rely upon the confirmations of anyone purporting to be the Authorized Representative so designated. Escrow Agent and the beneficiary’s bank in any funds transfer may rely solely upon any account numbers or similar identifying numbers provided by Party A and Party B to identify (i) the beneficiary, (ii) the beneficiary’s bank, or (iii) an intermediary bank. Escrow Agent may apply any of the Escrow Funds for any payment order it executes using any such identifying number, even when its use may result in a person other than the beneficiary being paid, or the transfer of funds to a bank other than the beneficiary’s bank or an intermediary bank designated. The parties to this Agreement acknowledge that such security procedure is commercially reasonable. Section 13. Termination. This Agreement shall terminate when all the Escrow Property has been disbursed or returned pursuant to Section 6 or Section 8 of this Agreement. Section 14. Continuing Obligations. The obligations under Sections 6, 7, 8, 9 and 10 hereof shall survive the resignation or removal of Escrow Agent, the termination of this Agreement and the payment of all amounts hereunder. Section 15. Inconsistent Provisions. Party A and Party B agree that to the extent that the provisions of any other agreement relating to the Escrow Property are inconsistent with the terms of this Agreement, the terms of this Agreement shall control. The English language version of this Agreement shall control in the event of any inconsistencies between the English language version and any foreign language translation. Section 16. Governing Law. This Agreement shall be governed by and construed in accordance with the laws of the State of California. Section 17. Counterparts. This Agreement may be executed in any number of counterparts each of which shall be deemed to be an original, and all of which together shall constitute but one and the same instrument. Executed copies of this Agreement delivered pursuant to Section 11 above shall be as effective as an original to bind the parties. Section 18. Severability. The invalidity, illegality or unenforceability of any provision of this Agreement shall in no way affect the validity, legality or enforceability of any other provision; and if any provision is held to be unenforceable as a matter of law, the other provisions shall not be affected thereby and shall remain in full force and effect. Section 19. Authorized Representative. Each of Party A and Party B hereby identify to Escrow Agent the officers, employees or agents designated on Schedule I attached hereto as an Authorized Representative with respect to any notice, certificate, instrument, demand, request, direction, instruction, waiver, receipt, consent or other document or communication required or Attachment No. 4 97 permitted to be furnished to Escrow Agent. Such Schedule I may be amended and updated by written notice to Escrow Agent with a copy to the other party to this Agreement provided that failure to furnish such copy shall not affect the validity of such notice to Escrow Agent. Escrow Agent shall be entitled to rely on such original or amended Schedule I with respect to any party until a new Schedule I is furnished by such party to Escrow Agent. Section 20. Jurisdiction. Each of the parties hereto hereby irrevocably agrees that any action, suit or proceedings against any of them by any of the other aforementioned parties with respect to this Agreement shall be brought before the jurisdiction of any federal or state court of competent jurisdiction located in Los Angeles, California. Each party hereto further irrevocably consents to the service of any complaint, summons, notice or other process relating to any such action or proceeding by delivery thereof to it by hand or by registered or certified mail, return receipt requested, in the manner provided for herein. Each party hereto hereby expressly and irrevocably waives any claim or defense in any such action or proceeding based on improper venue or forum non conveniens or any similar basis. To the extent permitted by law, in connection with any claim, cause of action, proceeding or other dispute concerning this Agreement (each a “Claim”), the parties to this Agreement expressly, intentionally, and deliberately waive any right each may otherwise have to trial by jury. In the event that the waiver of jury trial set forth in the previous sentence is not enforceable under the law applicable to this Agreement, the parties to this Agreement agree that any Claim, including any question of law or fact relating thereto, shall, at the written request of any party, be determined by judicial reference pursuant to California law. The parties shall select a single neutral referee, who shall be a retired state or federal judge. In the event that the parties cannot agree upon a referee, the court shall appoint the referee. The referee shall report a statement of decision to the court. Nothing in this paragraph shall limit the right of any party at any time to exercise self-help remedies, foreclose against collateral or obtain provisional remedies. The parties shall bear the fees and expenses of the referee equally, unless the referee orders otherwise. The referee shall also determine all issues relating to the applicability, interpretation, and enforceability of this paragraph. The parties acknowledge that if a referee is selected to determine the Claims, then the Claims will not be decided by a jury. Section 21. Tax Matters. (a) Withholding Forms. The Escrow Agent does not have any interest in the Escrow Property deposited hereunder but is serving as escrow holder only and having only possession thereof. Party A and Party B will pay or reimburse the Escrow Agent upon request for any transfer taxes or other taxes relating to the Escrow Property incurred in connection herewith and will indemnify and hold harmless the Escrow Agent from any amounts that it is obligated to pay in the way of such taxes. Any payments of income from this Escrow Account will be subject to withholding regulations then in force with respect to United States taxes. Due to the requirement that all escrow accounts have Taxpayer Identification Numbers documented by appropriate W-8 or W-9 forms, Party A and Party B shall return the appropriate form to Escrow Agent, duly completed and signed by the proper party’s Authorized Representative. Party A and Party B acknowledge that failure to provide such forms may prevent or delay disbursement of the Escrow Funds hereunder. Attachment No. 4 98 (b) Tax Reporting. Escrow Agent will report payments of income from the Escrow Account as required by law, by providing IRS Form 1099-B or other applicable form reporting the aggregate amount of income received by any person from the Escrow Account. Section 22. USA PATRIOT Act. Party A and Party B shall provide to Escrow Agent such information as Escrow Agent may reasonably require to permit Escrow Agent to comply with its obligations under the federal USA PATRIOT Act (Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001). Escrow Agent shall not credit any amount of interest or investment proceeds earned on the Escrow Fund, or make any payment of all or a portion of the Escrow Fund, to any person unless and until such person has provided to Escrow Agent such documents as Escrow Agent may require to permit Escrow Agent to comply with its obligations under such Act. Further, each of the parties represents and warrants to the Escrow Agent that it is not a hedge fund. If any of the parties is a hedge fund that is not sponsored by a registered investment advisor, such party agrees to enter into the form of Due Diligence Agreement provided by the Escrow Agent. Section 23. Miscellaneous. (a) The rights and remedies conferred upon the parties hereto shall be cumulative, and the exercise or waiver of any such right or remedy shall not preclude or inhibit the exercise of any additional rights or remedies. The waiver of any right or remedy hereunder shall not preclude the subsequent exercise of such right or remedy. (b) This Agreement is for the exclusive benefit of the parties hereto and their respective successors hereunder, and shall not be deemed to give, either express or implied, any legal or equitable right, remedy, or claim to any other entity or person whatsoever. (c) Each party hereby represents and warrants (i) that this Agreement has been duly authorized, executed and delivered on its behalf and constitutes its legal, valid and binding obligation and (ii) that the execution, delivery and performance of this Agreement by the parties hereto does not and will not violate any applicable law or regulation. (d) The headings contained in this Agreement are for convenience of reference only and shall have no effect on the interpretation or operation hereof. (e) Except as otherwise permitted herein, this Escrow Agreement may be modified only by a written amendment signed by the proper party’s Authorized Representative and the Escrow Agent, and no waiver of any provision hereof will be effective unless expressed in a writing signed by the proper party’s Authorized Representative and the Escrow Agent. (f) No party may assign any of its rights or obligations under this Escrow Agreement without the written consent of the other parties. (g) Any corporation into which the Escrow Agent may be merged or converted or with which it may be consolidated, or any corp oration resulting from any merger, conversion or consolidation to which the Escrow Agent will be a party, or any corpora tion succeeding to all or substantially all the business of the Escrow Ag ent will be the successor of the Escrow Agent Attachment No. 4 99 hereunder without the execution or filing of any paper with any party hereto or any further act on the part of any of the parties hereto except wher e an instrument of transfer or assignment is required by law to effect such succession, anything herein to the contrary notwithstanding. IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of the day and year first above written. “Party A” CULVER CITY HOUSING AUTHORITY, a public body, corporate and politic Dated: ________________ By: ___________________________________ John M. Nachbar Executive Director APPROVED AS TO CONTENT: CULVER CITY HOUSING AUTHORITY, a public body, corporate and politic By: ____________________________ Sol Blumenfeld, Assistant Executive Director APPROVED AS TO FORM: KANE, BALLMER & BERKMAN Special Counsel By: _______________________________ Todd C. Mooney [Signature Page 1 of 2 to Escrow Agreement] Attachment No. 4 100 “Party B” HABITAT FOR HUMANITY OF GREATER LOS ANGELES, INC., a California nonprofit corporation By: __________________________________________ Erin Rank, President “Escrow Agent” _________ BANK, N.A. as Escrow Agent By: __________________________________________ Name: Title: [Signature Page 2 of 2 to Escrow Agreement] Attachment No. 4 101 SCHEDULE I Authorized Representatives of Party A Signature: _________________________ Print: Title: Executive Director Phone: Email: Signature: _________________________ Print: Title: Phone: Fax: Email: Signature: _________________________ Print: Title: Phone: Fax: Email: Signature: _________________________ Print: Title: Phone: Fax: Email: Attachment No. 4 102 Authorized Representatives of Party B Signature: _________________________ Print: Title: Phone: Email: Signature: _________________________ Print: Title: President Phone: Email: Attachment No. 4 103 SCHEDULE II ESCROW AGENT COMPENSATION Attachment No. 4 104 SCHEDULE III Wire Instructions: If to Party A: ABA No.: Bank Name: Account No.: Account Name: ______________ Reference: If to Party B ABA No.: Bank Name: _________ Account No.: Account Name: ______________ Reference: Please notify recipient upon receipt of wire. Contact person: Tel. #: Date: _____________________________ Attachment No. 4 105  ATTACHMENT NO. 5    SCOPE OF WORK  The Project will consist of 10 units of affordable housing.  Five of the units will be sold to low income  (50%-80% of Area Median Income) buyers, and 5 units will be sold to moderate income (less than 120%  of Area Median Income) buyers.  Five of the units will be detached, two-story units with 3 bedrooms and 2 bathrooms, with  approximately 1,300 sq feet.  These units will have a covered parking area behind the unit for 2 vehicles.  One of the units will be a detached, two-story unit with 3 bedrooms, 2 bathrooms, and a den.  The unit  will be approximately 1,450 sq feet.  The first floor will be handicapped accessible with a bedroom and  full bathroom located on the first floor.  The remaining four units will be two-story units with 3 bedroom and 2 bathrooms.  The units will be  approximately 1,350 sq feet.  These units will have attached 2 car garages.  These 4 units will be built in  2 pairs.  The units in each pair will be built with one unit located behind the front unit.  A common  driveway and motor court will be located between the pairs and will serve all four units.   The location of the low- and moderate-income units will be mixed throughout the development.  All homes will incorporate energy saving appliances and will be constructed using sustainable material  environmentally-friendly building practices, and solar panels.   The homes will be built to the Leadership in Energy and Environmental Design (LEED) Silver residential  standard and will be at least 10% more efficient than Title 24 Requirements.  The Project shall maintain the existing street trees to the extent possible; the written consent of the  City‘s Community Development Director shall be required prior to removal of any trees.    106Attachment No. 6 107Attachment No. 6 108Ver. 8 A SUMMARY REPORT PURSUANT TO SECTION 33433 OF THE CALIFORNIA HEALTH AND SAFETY CODE FOR THE SALE OF PROPERTIES LOCATED 4044 THROUGH 4068 GLOBE AVENUE IN CULVER CITY, CALIFORNIA The following Summary Report has been prepared pursuant to California Health and Safety Code Section 33433 (Section 33433). The report sets forth certain details of the proposed Disposition, Development and Loan Agreement (Agreement) between the Culver City Housing Authority (Authority) and Habitat for Humanity of Greater Los Angeles (Developer). The purpose of the Agreement is to create affordable housing pursuant to Sections 33071 and 33334.2(a) of the California Health and Safety Code (California Redevelopment Law). The Agreement requires the Authority to convey the properties located at 4044 through 4068 Globe Avenue, Culver City, California (Site), to the Developer for the subsequent development of 10 three-bedroom single-family homes (Project). The Site includes 32,361 square feet of land area, and is zoned R-2. The Agreement requires the Developer to sell the units to low- and moderate- income households at an affordable housing cost. The affordable housing cost requirements are based on the California Health and Safety Code Section 50052.5 definition. The income covenants require all 10 units to be restricted to moderate income households as defined by California Health and Safety Code Section 50093. In addition, the Agreement requires the following restrictions to be applied to five of the units: 1. Five units must initially be sold to low income households as defined by California Health and Safety Code Section 50079.5. The Developer must provide first trust deed mortgages to these home buyers at a 0% interest rate and a 30-year repayment term. 2. The Agreement allows the low income home buyers to resell their homes to qualified moderate income buyers at the then current affordable housing cost. The Developer is not required to provide mortgage financing to any of the homes when they are resold. I. COST OF THE AGREEMENT TO THE AUTHORITY The proposed Agreement requires the Authority to sell the Site to the Developer for a sale price of $751,000, with the payment to be provided in the form a loan between the Authority and the Developer. The Site was acquired by the Culver ATTACHMENT 4 1094044-4068 Globe Avenue. Summary Report January 12, 2012 Printed on Recycled Paper Page 2 City Redevelopment Agency (Agency) in 2005 from the State of California using Property Tax Increment Housing Set-Aside (Set-Aside) funds. Subsequently, all improvements on the Site were demolished and the Site was transferred to the Authority. The Agency did not fund any costs with bond proceeds. To date the Agency/Authority has spent $3,256,462 in Set Aside funds to implement the Project. Based on an analysis conducted by the Authority’s financial consultant, Keyser Marston and Associates (KMA), it was determined that the Project requires $1,262,500 in public financial assistance to achieve financial feasibility. This $1,262,500 in direct financial assistance, plus $751,000 in land costs, will be treated as a $2.01 million loan to the Developer. These Agency/Authority costs are detailed in the following table: Land acquisition cost $3,103,000 Demolition and hazardous materials abatement (clearance) 68,962 Relocation 0 Consultant costs 40,678 Property management 40,210 Utilities 3,612 Total Costs Previously Incurred by the Agency/Authority $3,256,462 Plus: Direct Financial Assistance to the Developer 1,262,500 Total Agency/Authority Costs $4,518,962 The $2,013,500 loan from the Authority to the Developer will be converted into second trust deed mortgages to the home buyers as the units are sold. The second trust deed mortgages are being imposed to protect the income and affordability covenants being imposed on the Project. These mortgages will not be subject to any interest or principal payment obligations until the home is resold. The amounts of the second trust deed mortgages are set as follows: 1. Low Income Units: $238,000 per unit; and 2. Moderate Income Units: $164,700 per unit. The repayment of principal, and interest, if any, will be based upon the date of resale for each of the 10 units. Therefore, it is not possible to accurately predict the amount of repayment the Authority will ultimately receive. As such, the repayment amount and timing are too speculative to project as part of this analysis. ATTACHMENT 4 1104044-4068 Globe Avenue. Summary Report January 12, 2012 Printed on Recycled Paper Page 3 II. ESTIMATED VALUE OF THE INTERESTS TO BE CONVEYED DETERMINED AT THE HIGHEST USE PERMITTED BY THE REDEVELOPMENT PLAN Section 33433 requires this report to identify the value of the interests being conveyed at the highest use allowed by the Redevelopment Plan. The valuation must be based on the assumption that the property is vacant, and that near-term development is required; the valuation does not take into consideration any extraordinary restrictions being imposed on the development. The Site is not located within a redevelopment project area, and therefore, the value must be estimated based on the highest use allowed by the Site’s zoning. Keyser Marston Associates, Inc. (KMA), the Authority’s financial consultant reviewed land sales for residential sites and estimated the fair market value of the Site at $1.14 million. This equates to $35 per square foot of land area. III. ESTIMATED REUSE VALUE OF THE INTERESTS TO BE CONVEYED The Agreement requires that the homes initially be sold to five low income households and five moderate income households. KMA prepared a reuse valuation analysis of the Project based on the financial terms and conditions imposed by the Agreement. The KMA analysis concluded that the fair reuse value of the Site is negative $1.26 million. IV. CONSIDERATION RECEIVED AND COMPARISON WITH THE ESTABLISHED VALUE The Agreement imposes extraordinary controls on the Project. Specific requirements include the following: 1. The Developer must impose long-term income and affordability restrictions on all 10 units. 2. The Developer must provide interest free first trust deed mortgages to the five low income households purchasing units in the Project. 3. The income and affordability covenants will be enforceable for a period of 45 years. The impacts created by the reuse requirements reduce the $1.14 million value of the Site at the highest use allowed by the Redevelopment Plan, to the ATTACHMENT 4 1114044-4068 Globe Avenue. Summary Report January 12, 2012 Printed on Recycled Paper Page 4 established fair reuse value of negative $1.26 million. The Agreement provides the Project with $1.26 million in assistance to fill the financial gap associated with the Project. It therefore can be concluded that the Authority is receiving fair compensation for the interests being conveyed. The Agreement encumbers the Project with a $2,013,500 loan that is comprised of the $751,000 purchase price plus the $1,262,500 million in direct financial assistance being provided to the Project. This loan will be converted into $2,013,500 in second trust deed mortgages as the units are sold to low and moderate income home buyers. The revenues generated by the repayment of these mortgages will accrue to the Authority’s benefit. V. ELIMINATION OF BLIGHT/COMPLIANCE WITH THE AB 1290 IMPLEMENTATION PLAN The Site was selected for redevelopment when Caltrans offered it to local public agencies as a site for affordable housing. Caltrans has a mandate to first offer its surplus properties to affordable housing agencies. In the Comprehensive Strategy adopted by the Agency Board in March 2008, the Site was identified as a location for an affordable housing development within the following two years. Development of the Site as proposed will comport with the mandate to spend Set Aside funds to create affordable housing. In addition, Section 33433 indicates that the provision of affordable housing is a blight elimination activity. The Agency's objectives in acquiring the Site for redevelopment were to convert nonconforming land uses into a use of the Site that fulfills the Agency’s policy objectives. The redevelopment of the Site is intended to enhance the area by removing blighted property and improving it with new affordable housing. The Site will be redeveloped with land uses that are more attractive, compatible and safer for the area, and help in achieving affordable housing goals, consistent with the implementation plan adopted pursuant to California Health and Safety Code Section 33490. ATTACHMENT 4 112ATTACHMENT 5 113