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2007/11/13 City Council Resolution 2007-192RESOLUTION NO. 2007-192 A RESOLUTION OF THE CITY COUNCIL OF THE CITY OF ROHNERT PARK AUTHORIZING AND APPROVING AN AFFORDABLE HOUSING AND LOAN AGREEMENT BY AND AMONG THE CITY COUNCIL OF THE CITY OF ROHNERT PARK, THE COMMUNITY DEVELOPMENT COMMISSION OF THE CITY OF ROHNERT PARK AND RAINBOW- COPELAND CREEK, LLC WHEREAS, Pursuant to section 33334.2 of the California Health and Safety Code, the Community Development Commission of the City of Rohnert Park has. set aside 20% of tax increment revenues allocated to the CDC for the purposes of increasing, improving and preserving the community's supply of low -and moderate - income housing available at affordable housing costs ( "20% Set -Aside Funds "); and WHEREAS, Rainbow - Copeland Creek, LLC ( "Developer ") desires to properly renovate the Copeland Creek Apartments (the "Project ") utilizing sustainable energy efficient rehabilitation measures; and WHEREAS, the CDC and Developer have cooperated to prepare an Affordable Housing and Loan Agreement ( "Agreement ") pursuant to which the CDC will provide $1.2 million toward the rehabilitation of the Project and the Developer will provide the CDC with affordability covenants for 55 -years on all 171.units and extend the City's senior age restriction agreement, which currently goes out to 2035, to 2062; and WHEREAS, the Commission desires to use $1.2 million of the 2007H Series Tax Allocation bonds to provide to the Developer for this above mentioned purpose. NOW THEREFORE BE IT RESOLVED, that the City Council of the City of Rohnert Park approves the Affordable Housing and Loan Agreement and authorizes its execution by the City Manager in substantially the form currently on file with the City Clerk, subject to any minor, clarify and conforming changes as may be approved by the City Attorney. BE IT FURTHER RESOLVED that the City Council of the City of Rohnert Park hereby authorizes the City Manager to negotiate future changes to the Agreement and execute any future Amendments necessitated by those changes. DULY AND REGULARLY ADOPTED this 13th day of November, 2007. CITY OF ROHNER qF_Z_A )C7- J', Pro T esr ATTEST: A`',,OWL-J-4Q 19 1-44ARlerk BREEZE: AYE MACKENZIE: AYE SMITH: AYE STAFFORD: AYE VIDAK- MARTINEZ: ABSENT AYES: (4) NOES: (0) ABSENT: (1) ABSTAIN: (0) AFFORDABLE HOUSING AND LOAN AGREEMENT by and between COMMUNITY DEVELOPMENT COMMISSION OF THE CITY OF ROHNERT PARK, a public body corporate and politic "M THE CITY OF ROHNERT PARK, a California municipal corporation and RAINBOW — COPELAND CREEK, LLC, a California limited liability company COPELAND CREEK APARTMENTS SENIOR HOUSING PROJECT 1004906v4D 80018/0022 AFFORDABLE HOUSING AND LOAN AGREEMENT THIS AFFORDABLE HOUSING AND LOAN AGREEMENT including all Attachments hereto ( "Agreement ") is entered into by and between The COMMUNITY DEVELOPMENT COMMISSION OF THE CITY OF ROHNERT PARK, a public body, corporate and politic ( "Commission "), the CITY OF ROHNERT PARK ( "City "), a municipal corporation, and RAINBOW — COPELAND CREEK, LLC, a California limited liability company ( "Developer "), dated as of this day of , 2007, the date of execution of this Agreement by Commission indicated on the signature page hereof ( "Date of Agreement "). RECITALS The following recitals are a substantive part of this Agreement: A. The purpose of this Agreement is to effectuate the Redevelopment Plan for the Redevelopment Project by providing funds to assist in the substantial rehabilitation of a project consisting of a 26- building, 171 -unit permanent affordable senior housing rental complex as set forth in Section 301 hereof and in the Covenant ( "Project'). B. Commission desires to enter into this Agreement because, pursuant to the . Community Redevelopment Law and the Redevelopment Plan, it will provide affordable housing in the community, help to eliminate blight in the Redevelopment Project area, increase the employment opportunities within the Redevelopment Project area, and assist in providing an environment for the social, psychological and economic growth and welt -being of the citizens of the City. C. Commission is authorized and empowered under the Community Redevelopment Law and the Redevelopment Plan to enter into agreements to assist in the redevelopment of real property within the Redevelopment Project area in conformity with the Redevelopment Plan; to receive consideration for the provision by Commission of redevelopment assistance; to make and execute contracts and other instruments necessary or convenient to the exercise of its powers; and to incur indebtedness to finance or refinance the Redevelopment Project. D. Pursuant to California Health and Safety Code section 33334.2, Commission has set aside 20% of tax increment revenues allocated to it to improve and increase the supply of affordable housing in the City. Commission desires to use a portion of these monies to -make a loan to Developer for use in order to perform the. Commission Work (as defined below). E. Developer is the managing general partner of TRG- Copeland Creek, LP, a California limited partnership ( "Owner ") that owns the Project. F. The City, Commission and Developer desire to enter into this Agreement in order to set forth the terms and conditions relating to:.(i) the substantial rehabilitation of the Project by performance of the Commission Work; (ii) the Path Improvements work; (iii) the amendment of Section E of Exhibit D of the Development Agreement to ensure that the Affordable Units are rented to Qualifying Residents and extend the term of the Development Agreement; (iv) the provision of the Commission Assistance. to Developer for performance of the Commission Work; and (v) the provision of covenants to ensure the Affordable Units on the Site shall. remain 1004906AD 80078/0022 affordable to seniors (at the levels set forth in the Covenant, or such other more restrictive terms as may apply) for the longest feasible time. Revisions affecting the Development Agreement shall also be contained in the Covenant. G. The fulfillment of this Agreement is in the vital and best interests of the City and the health, safety and welfare of its residents and in accord with the provisions of all Applicable Laws. AGREEMENT NOW, THEREFORE, the parties hereby agree that the Recitals above are incorporated by reference and further agree as follows: 100. DEFINITIONS; REPRESENTATIONS AND WARRANTIES 101. Definitions. "Affordable Housing Fund" means the low and moderate income housing fund established by Commission pursuant to section 33334.3 of the Community Redevelopment Law. "Affordable Unit or Affordable Units" is defined in Section 301.1. "Applicable Laws" means all applicable laws, ordinances, statutes, codes, orders, decrees, rules, regulations, official policies, standards and specifications (including any ordinance, resolution, rule, regulation, standard, official policy, condition, or other measure) of the United States, the State of California, the County of Sonoma, the City, or any other political subdivision in which the Project is located, and of any other political subdivision, agency or instrumentality exercising jurisdiction over Commission, City, Developer, Owner, the Site or the Project, including without limitation all applicable Public Contracts Code requirements, City zoning and development standards, building, plumbing, mechanical and electrical codes, all other provisions of the City of Rohnert Park Municipal Code, Prevailing Wage Law, Environmental Laws, all applicable disabled and handicapped access requirements, including the Americans With Disabilities Act, 42 U.S.C. section 12101, et seq., Government Code section 4450, et seq., Government Code section 11135, et seq., and the Unruh Civil Rights Act, Civil Code section 51, et seq. or any amendments of any of the foregoing. "Area Median Income" is defined in Section 301.2. "City" means the City of Rohnert Park, a California municipal corporation. "Commission" means the Community Development Commission of the City of Rohnert Park, a public body, corporate and politic, exercising governmental functions and powers and organized and existing under Chapter 2 of the Community Redevelopment Law of the State of California, and any assignee of or successor to its rights, powers and responsibilities. "Commission Assistance" is defined in Section 401 1004906AD 80078/0022 2 "Commission Documents" means this Agreement (including the Attachments), the executed Commission Note, the executed Covenant, and the executed Commission Deed of Trust (including the addendum thereto). "Commission Work" is defined in Section 201. "Community Redevelopment Law" means the Community Redevelopment Law of the State of California (Health and Safety Code section 33000, et seq.). "Completion Date" is defined in Section 203. "Covenant" means the Affordable Housing and Maintenance Covenant to be recorded against the Site, as provided in Section 301.2 in the form.attached hereto as Attachment No. 2. "Developer" means Rainbow — Copeland Creek, LLC; a California limited liability company, or its permitted assignees or transferees. "Development Agreement" means, collectively, that certain. Development Agreement by and between the City of Rohnert Park and Glenn H. Larson and Jack Yanoff, Owner's predecessors -in- interest, dated December 11, 1985, as.amended by that certain Compliance Agreement dated October 26, 1996, that certain Second Compliance Agreement dated April 26, 1999, and that certain Third Compliance Agreement dated April 22, 2003, all by and between the City and Owner's predecessors -in- interest. "Escrow" means escrow number with First American Title Company. opened by Developer and Owner "Final Certificate of Completion" means the document which evidences Owner's satisfactory completion of all of the Improvements, as set forth in Section 209 hereof; in the form attached hereto as Attachment No. 6 and incorporated herein. "Hazardous Materials" means any substance, material, or waste which is or becomes regulated by any local governmental authority, the State of California, or the United States. Government, including any material or substance which is: (i) defined as a "hazardous waste," "extremely hazardous waste," or "restricted hazardous waste" under sections 25117, 25115 or 25122.7 of the California Health and Safety Code, or listed pursuant to California Health and Safety Code section 25140, Division 20, Chapter 6.5 ( "Hazardous Waste Control Law "); (ii) defined as a "hazardous substance" under California Health and Safety Code section 25316, Division 20, Chapter 6.8 (Carpenter - Presley: Tanner Hazardous Substance Account Act); (iii) defined as a "hazardous material," "hazardous substance," or "hazardous waste" under California Health and Safety Code section 25501, Division 20, Chapter 6.95 (Hazardous Materials Release Response Plans and Inventory); (iv) defined as a "hazardous substance" under California Health and Safety Code section 25281, Division 20, Chapter 6.7 (Underground Storage of Hazardous Substances); (v) petroleum; (vi) friable asbestos; (vii) polychlorinated biphenyls; (viii) listed under Article 9 or defined as "hazardous" or "extremely hazardous" pursuant to Article 1 l of Title 22 of the California Administrative Code, Division 4, Chapter 20; (ix) designated as "toxic pollutants" pursuant to section 311 of the Clean Water Act (33 U.S.C. § 1317); (x) defined as a "hazardous waste" pursuant to section 1004 of the Resource. 1004906v4D 80078/0022 Conservation and Recovery Act, 42 U.S.C. section 6901, et seq. (42 U.S.C. §6903); or (xi) defined as "hazardous substances" pursuant to section 101 of the Comprehensive Environmental Response, Compensation, and Liability Act, 42 U.S.C. section 9601, et seq., as the foregoing statutes and regulations now exist or may hereafter be amended. "Improvements" means the Commission Work together with the Path Improvements. "Indemnitees" is defined in Section 103.1. "Low and Moderate Income Housing Fund" means Commission's low and moderate income housing fund, as established pursuant to Health and Safety Code section 33334.3. "Lower Income Person" and "Lower Income Household" means a person or household whose gross income is 80% or less of Area Median Income or such other standard as set from time to time pursuant to California Health and Safety Code section 50079.5, as amended, or any successor statute thereto. "Owner" means TRG- Copeland Creek, LP, a California limited partnership. "Owner's Obligations" means all of Owner's obligations under the Commission Documents. "Partnership Agreement" means the Partnership Agreement of Owner, which has been approved by Commission, as the same may be amended from time to time. In the event of an approved transfer or assignment, the term "Partnership Agreement" shall be deemed to refer to the bylaws, operating agreement, partnership agreement or other organizational documents, as applicable, of the approved successor in interest. "Partial Certificate of Completion "means the document'which evidences Owner's satisfactory completion of the Commission Work, asset forth in Section 209 hereof, in the form attached hereto as Attachment No. 6 and incorporated herein. "Path Improvements" is defined in Section 212. "Redevelopment Plan "means the Redevelopment Plan for the Redevelopment Project, adopted by Ordinance No. 479 of the City Council of the City on July 14, 1987, as amended, and incorporated herein by reference. "Redevelopment Project" means the Rohnert Park Community Development Project, adopted by the City pursuant to the Redevelopment Plan. "Site" means that certain real property as legally described in Attachment No. 3 currently owned by Owner at 101 Enterprise Drive, Rohnert Park, California. "Very Low Income Person" or "Very Low Income Household" means a person or household whose gross income is 50% or less of Area Median Income or such other standard as set from time to time pursuant to California.Health and Safety Code section 50105, as amended, or any successor statute thereto. 1004906v4D 80078/0022 4 102. Representations and Warranties. The following representations and warranties are made to the best knowledge of the representing and warranting party. 102.1 Commission Representations. Commission represents and warrants to Developer as follows: a. Authority. Commission is a public body, corporate and politic, existing pursuant to the California Community Redevelopment Law (California Health & Safety Code section 33000, et seq.), which has been authorized to transact business pursuant to.action of the City. Commission has full right, power and lawful authority to perform its obligations hereunder and the execution, performance and delivery of this Agreement by Commission has been fully authorized by all requisite actions on the part of Commission. b. No Conflict. Commission's execution, delivery and performance of its obligations under this Agreement will not constitute a default or a breach under any contract, agreement or order to which Commission is a party or by which it is bound. 102.2 Developer's Representations. Developer represents and warrants to Commission as follows: a. Authority. i. Developer is a duly organized limited liability company organized within and in good standing under the laws of the State of California. The copies of the documents evidencing the organization of Developer that have been delivered to Commission are true and complete copies of the originals, as amended to the Date of Agreement. Developer has full right, power and lawful authority to undertake all obligations as provided herein and the execution, performance and delivery of this Agreement by Developer has been fully authorized by all requisite actions on the part of Developer. ii. Owner consists of Developer as the managing general partner, Gung Ho- Copeland Creek, LLC as the co- general partner, and CharterMac Credit Enhanced Partners LP -Series G ( "Investor Limited Partner ") as the investor limited partner, and CharterMac Credit Enhanced SLP LLC- Series G ( "Special Limited Partner ") as the special limited partner. The sole member of the Developer is a non - profit organization pursuant to Internal Revenue Code section 501(c)(3). True and complete copies of the originals of the documents evidencing the organization of Owner have been delivered to Commission the date of this Agreement. b. No Conflict. Developer's execution, delivery and performance of its obligations under this Agreement will not constitute a default or a breach under any contract, agreement or order to which Developer is a party or by which it is bound. c. No Developer Bankruptcy. Developer is not the subject of a bankruptcy proceeding. d. No Litigation. There are no present or future liabilities, rights, obligations, orders, claims, damages, fines, penalties, deficiencies, costs, expenses, causes of 1004906AD 80078/0022 5 action, suits, litigation or proceedings (including attorneys' fees and costs), whether in law or equity (collectively, "Claims ") pending, or to Developer's actual knowledge, threatened against Developer, or any affiliate thereof, that would affect Developer's ability to undertake and satisfy all of its obligations pursuant to this Agreement (including the Commission Deed of Trust), the Owner Note, or the Note Pledge Agreement. e. Developer Sophistication. Developer and Owner are sophisticated owners, builders, and developers of real property (including affordable housing), familiar and experienced with requirements for the development, rehabilitation, and operation the Project, the Improvements, and all portions thereof. L Project Status. The improvement and rehabilitation work Owner has undertaken in connection with the Project ( "Owner Work ") is complete, the Project is habitable, fully leased, and is being operated as.an ongoing concern as set forth in this Agreement, and the Improvements represent the balance of work required on the Project. g. Financial Status. Developer and/or Owner have secured necessary and sufficient funding to complete the Improvements and operate and maintain the Project in accordance with this Agreement, can meet all of their debt service, and are able to perform all of their obligations thereunder and under this Agreement. Developer's financial information provided to Commission, and Developer's proforma dated = attached hereto and incorporated by reference as Attachment No. 7 ( "Proforma "), are complete, updated, and accurate. The Project is "in balance" and there are no defaults in connection with any debt or loans, including that certain loan from Wells Fargo Bank, as Trustee in the original principal amount of Fifteen Million Dollars ($15,000,000) ( "Senior Financing "), or under the Senior Financing Documents (as that term is defined in the draft subordination agreement attached hereto as Attachment No. 8 ( "Subordination Agreement ")). 103. Prevailing Wages. Developer shall comply and cause its and Owner and Owner's contractors and subcontractors to comply with Labor Code section 1720, et seq., and implementing regulations regarding the payment of prevailing wages ( "Prevailing Wage Law "). with regard to the Commission Work, to the extent such sections are applicable to the Commission Work. Although Developer believes that the Prevailing Wage Law is not applicable herein, Developer and Owner shall be solely responsible for determining and effectuating compliance with the Prevailing Wage Law, and the Commission makes no representation as to the non- applicability of the Prevailing Wage Law to the Commission Work, or any part thereof. Nothing in this Agreement shall be construed as imposing any independent prevailing wage requirements that are different from those imposed by applicable federal or state law. Notwithstanding anything to the contrary contained herein, the Path Improvements are subject to the Prevailing Wage Law as provided in Section 212.1 below. 103.1 Developer shall defend, indemnify and hold harmless each of Commission, the City and its and their respective officers, officials, employees, volunteers, agents and representatives (collectively, "Indemnitees ") from and against any and all Claims, arising out of or in any way connected with Developer's or Owner's obligation to comply with all laws with respect to the Commission Work and Prevailing. Wage Law, including all Claims that may be made by contractors, subcontractors or other third -party claimants pursuant to the 1004906AD 80078/0022 6 California Labor Code, including sections 1726 and 1781, as amended and added by Senate Bill 966. 103.2 Developer hereby waives, releases and discharges forever the Indemnitees from any and all present and future Claims arising out of or in any way connected with Developer's or Owner's obligation to comply with all laws with respect to the Commission Work. Developer is aware of and 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 or her favor at the time of executing the release, which if known by him or her must have materially affected his or her settlement with the debtor. As such relates to this Section 103.2, Developer hereby waives and relinquishes all rights and benefits which it may have under California Civil Code section .1542. The obligations of Developer under this Section 103.2 shall survive the expiration or other termination of this Agreement. 104. Relocation Waiver. 104.1 Developer on behalf of itself, and its officers, directors, agents, contractors, employees, parents, affiliates, subsidiaries, successors, assigns, tenants, grantees, and licensees (collectively, "Developer Parties ") hereby fully releases and discharges Indemnitees from all Claims, of whatever kind or nature, whether known or unknown, whether now existing or hereinafter arising, which arise from or relate in any manner to the relocation of Developer's or Developer Parties' business operations or the relocation of any person or persons, business or businesses, or other occupant or occupants located at the Project, including the specific waiver and release of any right to any relocation benefits, assistance and/or payments under Government Code sections 7260, et seq. or other _applicable state or federal law (collectively, "Relocation Assistance Law "), notwithstanding that such relocation benefits, assistance and/or payments may be otherwise required under the Relocation Assistance Law. It is hereby intended that the above release relates to both known and unknown Claims that either Developer or Developer Parties may have, or claim to have, against Indemnitees with respect to the_ subject matter contained herein or the events relating thereto. By releasing and forever discharging Claims both known and unknown which are related to or which arise under or in connection with the items set out above, Developer on behalf of itself and all Developer Parties expressly waives any rights under California Civil Code section 1542, which provides: 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, which if known by him or her must have materially affected his or her settlement with the debtor. As such relates to this Section 104, Developer hereby waives and relinquishes all rights and benefits which it may have under California Civil Code section 1542. The obligations of Developer under this Section 104 shall survive the expiration or other termination of this Agreement. 1004906v4D 80078/0022 7 104.2 Indemnity for Relocation Claims. Developer shall indemnify, defend and hold Indemnitees harmless from any Claims asserted by or payable to any tenant or subtenant of the Project or any other person or entity claiming a right to use or occupy the Project pursuant to a written or oral agreement with Developer or any Developer Parties, including any claims for leasehold bonus value, furniture fixtures and equipment, loss of business goodwill or assistance or benefits provided for under Relocation Assistance Law. 105. Title Insurance. Concurrent with Closing, there shall be issued to Commission a CLTA lender's policy of title insurance (or, if requested by Commission, an ALTA Lender's policy of Title Insurance) ( "Title Policy "), together with such endorsements as are requested by Commission, issued by First American Title ( "Title Company ") insuring that the title to the Project is vested in Owner in the condition required in this Agreement. The Title Policy shall be in the amount of the Commission Assistance. Developer shall bear all costs associated with the Title Policy. 106. Review of Title. Developer has caused Title Company to deliver to Developer and to Commission a standard preliminary title report dated March 26, 2007 ( "Report") with respect to the title to the Project, together with legible copies of the documents underlying the exceptions set forth in the Report. 107. Environmental Indemnification. Developer shall indemnify, defend and hold the Indemnitees harmless from and against any and all Claims resulting from, arising out of, or based upon the release, use, generation, discharge, storage or disposal of any Hazardous Materials on, under, in or about, or the transportation of any such Hazardous Materials to or from, the Project or any portion thereof in violation, or alleged violation, of any Applicable Laws, no matter when occurred, except to the extent caused by Indemnitees. This indemnity shall include any damage, liability, fine, penalty, parallel indemnity, cost or expense arising from or out of any claim, action, suit or proceeding for bodily injury (including sickness, disease or death), tangible or intangible property damage, compensation for lost wages, business income, profits or other economic loss, damage to the natural resource or the environment, nuisance, trespass, contamination, leak, spill, release or other adverse effect on the environment. The obligations under this Section 107 shall survive the issuance of the Certificate of Completion. The parties each acknowledge and agree that the defense, indemnification, protection and hold harmless obligations of the parties under this Section 107 are material elements of the consideration to the respective parties for the performance of their obligations under this Agreement, and that the parties would not have entered this Agreement unless such obligations were as provided for herein. 200. SUBSTANTIAL REHABILITATION 201. Scope of Work. Developer shall complete the substantial rehabilitation work outlined in the "Scope of Work" attached hereto as Attachment No. 9 ( "Commission Work "). As set forth on Attachment No. 9, the Commission Work consists of (i) items that are required to be completed ( "Required Items "); and (ii) items that Developer may elect to complete if the Commission Assistance has not been fully spent on the Required Items of the Commission Work. The Commission Work shall be performed by a licensed contractor(s). If Developer desires to propose any material revisions to the Commission Work, Developer shall submit such 1004906v4D 80078/0022 proposed changes to Commission, and shall also proceed in accordance with any and all federal, state and local laws and regulations regarding such revisions. Developer shall include any and all changes or revisions required by the City and its inspectors which are required under the Municipal Code and all other applicable Uniform Codes (e.g. Building; Plumbing, Fire, Electrical, etc.) and under other Applicable Laws in the Commission Work. 202. Permits and Approvals. Developer shall secure or cause to be secured any and all land use and other entitlements, permits and approvals timely which may be required by the City (including all approvals required by the Planning Commission and Commission, and any other governmental agency affected by the Improvements). Commission staff will work cooperatively with Developer and Owner to assist in coordinating the expeditious processing and consideration of all necessary permits, entitlements and approvals. However, the execution of this Agreement does not constitute the granting of, or a commitment to obtain, any required land use permits, entitlements or approvals required by Commission or the City. 203. Schedule of Performance. Developer shall commence and complete the Commission Work and satisfy all other applicable obligations and conditions of this Agreement by April 1, 2008 ( "Completion Date "). Specific reference is made to Section 102.2(f). 203.1 Consultation and Coordination. Staff of Commission and Developer or Owner shall hold progress meetings on an as- needed basis to coordinate the preparation, submission, and review of the Commission Work. The staff of Commission and Developer or Owner shall communicate and consult informally as frequently as is necessary to ensure that the formal submittal of any documents to Commission can receive timely and thorough consideration. 203.2 Defects in Plans. Neither City nor Commission shall be responsible either to Developer, Owner or to any third parties in any way for any defects in the Commission Work, for any structural or other defects in any work done according.to the approved Commission Work, the Path Improvements, for any defects in the Improvements, nor for any delays caused by review and approval processes. Developer shall hold harmless, indemnify, pay for and defend Indemnitees from and against any and all present and future Claims together with any damage to property or injury to or death of any persons, arising out of or in any way relating to defects in any of the Improvements, including the violation of any Applicable Laws, or for defects in any work done according to the approved Commission Work or the Path Improvements. 203.3 Quality; Applicable Codes. The Improvements shall be of high quality, and shall be effectively and aesthetically designed and shall be constructed in accordance with the Uniform Building Code (with the City's modifications) and the City's Municipal Code and any other Applicable Laws. 203.4 . Cost of Construction. All the costs of Site preparation, and of planning, designing and constructing the Improvements and the Project shall be borne solely by Owner, except as otherwise expressly set forth herein. 1004906v4D 80078/0022 9 204. Insurance Requirements.. Developer shall, or shall cause Owner or its or their contractor to, take out and maintain throughout the term of this Agreement, insurance coverage as follows: 204.1 Comprehensive or Commercial General Liability Insurance. Comprehensive or Commercial General Liability Insurance, at least as broad as Insurance Services Office Commercial General Liability coverage (occurrence form CG 0001), in an amount of One Million Dollars ($1,000,000.00) per occurrence, or such other policy limit as Commission may approve at its discretion, including contractual liability, as shall protect Developer, the City and Commission from claims for such damages. Such policy or policies shall be written on an occurrence form, and shall include a vandalism and malicious mischief endorsement and such other endorsements as Commission may reasonably require. If work involves explosive, underground or collapse risks, XCU must be included. If a general aggregate limit is used, either the general aggregate limit shall apply separately to this Project or the general aggregate shall be twice the required occurrence limit. Said policy shall contain, or be endorsed with, the following provisions: a. The City, Commission, and their respective officers, agents, employees, volunteers, and representatives, are covered as additional insureds, to the extent of Developer's or Owner's negligence, for liability arising out of the operations performed by or on behalf of Developer or Owner. The coverage shall contain no special limitations on the scope of protection afforded to the City, Commission, and their respective officers, agents, employees, volunteers, and representatives. b. The policy shall not be canceled or materially reduced in coverage without 30 days' prior written notice (10 days for non - payment of premium) to Commission and the City by certified mail. C. The inclusion of more than one insured shall not operate to impair the rights of one insured against another insured, and the coverage afforded shall apply as though separate policies had been issued to each insured, but the inclusion of more than one insured shall not operate to increase the limits of the insurer's liability. d. For Claims related to the Project, Developer's or Owner's insurance, as the case may be, is primary coverage to Commission and the City, and any insurance or self - insurance programs maintained by Commission or the City is excess to Developer's or Owner's insurance, as the case may be, and will not be called upon to contribute with it. e. Any failure to comply with reporting or other provisions of the parties, including breach of warranties, shall not affect coverage provided to the City,. Commission, and their respective officers, agents, employees, volunteers, and representatives. 204.2 Comprehensive Automobile Liability Insurance. Comprehensive automobile liability insurance with coverage at least as broad as ISO Form numbers CA 000106 92, Code I (any auto), for vehicles used in the performance of this Agreement with minimum coverage of not less than One Million Dollars ($1,000,000.00) per accident combined single 1004906AD 80078/0022 10 limit (CSL). Such policy shall contain or be endorsed with the provision that coverage shall not be canceled or materially reduced in coverage without 30 days' prior written notice (10 days for non - payment of premium) to Commission and the City by certified mail. 204.3 Combined Single- Limit, Building's All -Risk Insurance. Combined single - limit, and builder's all -risk insurance in an amount not less than the full insurable value of the Improvements on a replacement cost basis together with vandalism and malicious mischief endorsements and such other endorsements as Commission, may reasonably require, and shall furnish, or cause to be furnished to Commission evidence satisfactory to Commission that Developer or Owner (as the case may be) and any contractor with whom Developer or Owner has contracted for the performance of work contemplated under this Agreement, whether on or off the Site, the Path Improvements, or otherwise pursuant to this Agreement, carries Workers' Compensation insurance as required by law. 204.4 Workers' Compensation Insurance. Workers' Compensation insurance meeting statutory limits of applicable Labor Code provisions, which policy shall contain or be endorsed to contain a waiver of subrogation against the City, Commission, and their respective officers, agents, employees, volunteers, and representatives, and provide for 30 days' prior written notice to Commission and the City by certified mail in the event of cancellation. If Developer or Owner (as the case may be), or its or their contractor, has no employees, then Developer or Owner (as the case may be), or its or their contractor, shall sign and file the following certification in lieu of insurance: 1 am aware of the provisions of California Labor Code section 3700 which requires every employer to be insured against liability for workers' compensation or to undertake self - insurance in accordance with the provisions of that code, and 1 will comply with the provisions of that code before commencing with and during the performance of the work of this contract. 204.5 Certificate of Insurance. Companies writing the insurance required hereunder shall be licensed to do business in the State of California. Insurance is to be placed with insurers with a current A.M. Best's rating of no less than A -. Developer shall, or shall cause Owner to, furnish a notarized certificate of insurance countersigned by an authorized agent of the insurance carrier on a form reasonably approved by Commission setting forth the general provisions of the insurance coverage. This countersigned certificate shall name the City, Commission, and their respective officers, agents, employees, volunteers, and representatives as additionally insured parties under the policies required hereunder, and any certificates shall be accompanied by a duly executed endorsement evidencing such additional insured status. The certificate and endorsements by the insurance carrier shall contain a statement of obligation on the part of the carrier to notify the City and Commission of any material change, cancellation or termination of the coverage at least 30 days in advance of the effective date of any such material change, cancellation or termination (10 days for non - payment of premium). Coverage provided hereunder by Developer or Owner shall be primary insurance and shall not be contributing with any insurance, self - insurance or joint self - insurance, if any, maintained by Commission or the City in each of their sole discretion, and the policy shall contain such an endorsement. The insurance policy or the endorsement shall contain a waiver of subrogation for the benefit of the 1004906v4D 80078/0022 11 City and Commission. Developer shall, or shall cause Owner, or its or their contractor to, furnish the required certificate to Commission before commencing performance of the Improvements. 205. Compliance With Laws; Indemnity; Waiver. 205.1 Compliance with Laws. Developer shall construct the Improvements in conformity with all Applicable Laws. Developer, for itself, for Owner and its and their successors and assigns, agrees that in the construction of the Improvements, Developer and Owner will not discriminate against any employee or applicant for employment because of race, color, creed, religion, sex, marital status, ancestry or national origin. 205.2 Indemnity. Developer shall defend, indemnify and hold harmless the Indemnitees from and against any and all present and future Claims arising out of or in any way connected with Developer's obligation to comply with all laws with respect to the Improvements including all applicable federal and state labor laws and standards and Public Contracts Code requirements. 205.3 Waiver. Developer hereby waives, releases and discharges forever Indemnitees, from any and all present and future Claims arising out of or in any way connected with Developer's obligation to comply with all laws with respect to the Improvements including Public Contracts Code requirements. Developer is aware of and 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 or her favor at the time of executing the release, which if known by him or her must have materially affected his or her settlement with the debtor. As such relates to this Section 205, Developer hereby waives and relinquishes all rights and benefits that it may have under California Civil Code section 1542. All indemnity obligations of Developer under this Section 205 (and all similar waiver provisions contained in this Agreement) shall survive the expiration or other termination of this Agreement. 206. Taxes and Assessments. Developer shall, or shall cause Owner to, pay prior to delinquency all ad valorem real estate taxes and assessments on the Project or any portion thereof, subject to Developer's or Owner's right to contest in good faith any such taxes. Developer or Owner shall remove or have removed any such levy or attachment, or assure the satisfaction thereof within 30 days following the date of attachment or levy. 207. Project Sign. At Commission's sole discretion, Commission may require Developer to place and maintain on the Site, during construction, a sign indicating the respective roles of Developer, Owner, the City and Commission in the Project. 208. Liens and Stop Notices. If a claim of a lien or stop notice is given or recorded affecting the Project, Developer shall, or shall cause Owner to, within 30 days of such recording or service: (a) pay and discharge the same; or (b) affect the release thereof by recording a surety bond in sufficient form and amount. After Developer or Owner has had written notice and has 1004906v4D 80078/0022 12 failed after a reasonable time, but in any event not after more than 60 days, to challenge, cure, adequately bond against, or satisfy any liens or encumbrances which are not otherwise permitted under this Agreement, Commission shall have the right, but not the obligation, to satisfy any such liens or encumbrances without further notice to Developer or Owner. In such event Developer and Owner shall be liable for and Commission shall be entitled to reimbursement by Developer and Owner for such paid lien or encumbrance. 209. Certificate of Completion. 209.1 Partial Certificate of Completion. Following completion of the Commission Work in accordance with this Agreement by the Completion Date, Commission shall furnish Developer and Owner with a "Partial Certificate of Completion" substantially in the form of Attachment No. 6 attached hereto. Commission shall not unreasonably withhold, . condition or delay such Partial Certificate of Completion. The Partial Certificate of Completion shall be issued so long as Owner has completed the Commission Work even if Developer or Owner have not completed the Path Improvements. The Partial Certificate of Completion shall be, and shall state that it is conclusive determination of satisfactory completion of the Commission Work required by this Agreement. The Partial Certificate of Completion shall not constitute evidence of compliance with or satisfaction of any obligation of Developer or Owner to any holder of any mortgage, or any insurer of a mortgage securing money loaned to finance Improvements, the Project, or any part thereof. The Partial Certificate of Completion is not a notice of completion as referred to in California Civil Code section 3093. 209.2 Final Certificate of Completion. Following completion of all of the Improvements (i.e.. both the Commission Work and Path Improvements) in accordance with this Agreement by the Completion Date, Commission shall furnish Developer and Owner with a "Final Certificate of Completion" substantially in the form of Attachment No. 6 attached hereto. Commission shall not unreasonably withhold, condition or delay such Final Certificate of Completion. The Final Certificate of Completion shall be, and shall state that it is conclusive determination of satisfactory completion of all of the Improvements required by this Agreement. The Final Certificate of Completion shall not constitute evidence of compliance with or satisfaction of any obligation of Developer or Owner to any holder.of any mortgage, or any insurer of a mortgage securing money loaned to finance Improvements, the Project, or any part thereof. The Final Certificate of Completion is not a notice of completion as referred to in California Civil Code section 3093. 210. Mortgage, Deed of Trust, Sale and Lease -Back Financing. 210.1 No Encumbrances Except Senior Financing. Mortgages and deeds of trust are permitted, but only for the purpose of securing the Senior Financing. Developer covenants and agrees, on behalf of itself, Owner and its successors and assigns, that it shall not enter into any conveyance or other financing arrangement, increase the principal amount of the Senior Financing, or allow other liens or encumbrances against the Project or any portion thereof, without the prior written approval of Commission's Executive Director, which approval shall not be unreasonably withheld, conditioned or delayed. Developer shall notify Commission in advance of any proposed mortgage or deed of trust. The words "mortgage" and "deed of trust" as used hereinafter shall include sale and lease -back financing. 1004906v4D 80078/0022 13 210.2 Notice of Default to Mortgagee or Deed of Trust Holders; Right to Cure. With respect to any mortgage or deed of trust granted by Developer or Owner as provided herein; whenever Commission shall deliver any notice or demand to Developer with respect to any breach or default by Developer hereunder, Commission shall at the same time deliver to each holder of record of any mortgage or deed of trust authorized by this Agreement and superior to the Commission Deed of Trust or the Covenant ( "Mortgagee "), a copy of such notice or demand, provided that Developer has given Commission prior written notice of the name and notice address of such holders of record. No notice of default shall be effective as to the holder unless such notice is given. Each such holder shall (insofar as the rights of Commission are concerned) have the right, at its option, within 60 days after the receipt of the notice, to cure or remedy or commence to cure or remedy any such default and to add the cost thereof to the mortgage debt and the lien of its mortgage. Nothing in this Agreement shall be deemed to permit or authorize such holder to undertake or continue the construction or completion of the Improvements (beyond the extent necessary to conserve or protect the Improvements or construction already made) without first having expressly assumed Developer's obligations to Commission by written agreement satisfactory to Commission. 210.3 Right of Commission to Cure Mortgage or Deed of Trust Default. Commission shall have the right to record a request for notice of default in a form satisfactory to Commission in its sole discretion. If a mortgage or deed of trust default or breach by Developer prior to the completion of the Improvements occurs, and the holder of any mortgage or deed of trust has not exercised its option to cure the default, Commission may cure the default, without acceleration of the sub jectloan, following prior notice thereof to Developer. In such event, Developer shall be liable for, and Commission shall be entitled to reimbursement from Developer of, all costs and expenses associated with and attributable to the curing of the mortgage or deed of trust default or breach of this Agreement by Developer and incurred by Commission in curing such default. Commission shall also be entitled to record a lien against the Site and/or Project to the extent of such incurred costs and disbursements. If the ownership of the Project or any portion thereof has vested in the holder, Commission, if it so desires, may elect to purchase the Project from the holder upon such terms as are mutually acceptable to Commission and the holder. Developer shall, or shall cause Owner to, ensure that any mortgage or deed of trust granted by Developer or Owner contains provisions reflecting the terms and conditions of this Section 210.3. 211. Records and Reporting Obligations. Developer covenants and agrees, on behalf of itself, Owner, and its and their successors and assigns, that, in connection with the construction, ownership and operation of the Project, it shall, or shall cause Owner to, keep full and accurate books of account and records, and comply with reporting requirements, as required by and described in the Covenant. 212. Path Improvements. No later than 60 days after completion of the Commission Work, Developer shall demolish, reconstruct and/or repair, as applicable, a walking path segment on City property adjacent to the Project together with access thereto through the Project for use by the. Project residents (collectively, "Path Improvements ") provided that such Path Improvements will not cost more than $5,000. The Path Improvements are set forth in the Scope of Work. All or a portion of such Path Improvements are in addition to the Commission Work, and any other improvements, whether required through conditions of approval or otherwise, 1004906v4D 80078/0022 14 imposed by the City or other agencies or authorities having jurisdiction over the Site and /or Project. Commission may agree (but is not obligated) to reimburse Owner up to $5,000 for improvements to public property out of Commission general (not housing) funds. The Path Improvements shall be completed within 270 days after commencement of such work, but no later than 365 days after the Date of Agreement. 212.1 Prevailing Wages. The Path Improvements are subject to Prevailing Wage Law. As such, Developer shall comply and cause Owner and Owner's contractors and subcontractors to comply Prevailing Wage Law with regard to the Path Improvements. Notwithstanding anything to the contrary contained herein, nothing in this Agreement shall. be construed as imposing any independent prevailing wage requirements that are different from those imposed by applicable federal or state law. a. Developer shall defend, indemnify and hold harmless Indemnitees from and against any and all Claims, arising out of or in any way connected with Developer's or Owner's obligation to comply with Applicable Laws with respect to the Path Improvements and Prevailing Wage Law, including -all Claims that may be made by contractors, subcontractors or other third -party claimants pursuant to the California Labor Code, including sections 1726 and 1781, as amended and added by Senate Bill 966. b. Developer hereby waives, releases and discharges forever the Indemnitees from any and all present and future Claims arising out of or in any way connected with Developer's or Owner's obligation to comply with Applicable Laws with respect to the Path Improvements. Developer is aware of and 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 or her favor at the time of executing the release, which if known by him or her must have materially affected his or her settlement with the debtor. As such relates to this Section 2I2, Developer hereby waives and relinquishes all rights and benefits which it may have under California Civil Code section 1542. The obligations of Developer under this Section 212 shall survive the expiration or other termination of this Agreement. 213. Greenhouse Gas Credits. Any and all emissions credits, greenhouse gas credits, carbon credits, pollution credits, green tags, environmental credits, renewable energy certificates,. and other similar credits and allowances (including but not limited to those governed by California's AB -32, the Regional Greenhouse Gas Initiative, the Kyoto Protocol, the Montreal Protocol, and similar programs) generated or receivable by or allocable to the Commission Work or Project (individually and collectively, "Credits ") shall belong to the City. As such, Developer for itself and on behalf of its partners, parents, subsidiaries, affiliates, managers, successors and assigns (individually and collectively, "Developer Parties ") hereby assigns the Credits to the City, and the City accepts each such assignment. Developer Parties shall cooperate with the City in the licensing, sale, trading and/or other transfer or use of such Credits, at no cost to the City, and in accordance with Section 617. 1004906AD 80078/0022 15 300. COVENANTS, RESTRICTIONS AND AGREEMENTS 301. Use Covenants. Developer covenants and agrees for itself, Owner, its successors, its assigns and every successor in interest, that the Site shall be used for development, maintenance, and operation thereof of a 171 -unit permanent affordable senior housing rental complex, as more specifically set forth in the Covenant. The Covenant shall run with the land and shall be, recorded against the Site at Closing. The "Closing" shall mean the time and day the Covenant and the Commission Deed of Trust are recorded with the Sonoma County Recorder. 301.1 Age Restrictions. Developer, on behalf of itself and on behalf of Owner, acknowledges and agrees that the terms and conditions of the Development Agreement remain in full force and effect. Developer, on behalf of itself and on behalf of Owner, and the City hereby agree to extend the duration of the Development Agreement as set forth in Section 23 thereof, to be coterminous with the 55 -year period as set forth in Covenant Section 7, and further agree that Commission shall be a third -parry beneficiary of the Development Agreement. Developer, on behalf of Owner and itself, and the City agree that Section E of Exhibit D of the Development Agreement is amended to state that if there are eight units or more vacant on the Project, Owner may immediately rent such units to tenants that are not Qualifying Residents (as defined in the Development Agreement) until the vacancy at the Project is reduced to Iess than eight units. When the vacancy at the Project is less than eight units, any vacated units shall be made`available to Qualifying Residents (as defined in the Development Agreement) for a period of 120 days, rather than a period of 30 days, before Owner shall be permitted to rent the vacant units to tenants that are not Qualifying Residents (as defined in the Development Agreement). 301.2 Rent and Income Restrictions. All. of the residential units (other than the Manager's Unit, if any) of the Project shall be rent restricted ( "Affordable Unit" or "Affordable Units "); 17 of the Affordable Units shall be occupied by Very Low Income Households at an affordable rent level pursuant to California Health and Safety Code section 50053, as amended, or any successor statute thereto; and 153 of the Affordable Units shall be occupied by Lower Income Households at an affordable rent level pursuant to California Health and Safety Code section 50053, as amended, or any successor statute thereto. Rent for the Affordable Units shall be no greater than that considered as "Affordable Rent" for Very Low Income Households or Lower Income Households, as applicable, adjusted for family size appropriate to the unit, pursuant to California Health and Safety Code section 50053, as amended, or any successor statute thereto ( "Affordable Rent "). "Area Median Income" means the median. household income (adjusted for family size appropriate to the unit) of the Metropolitan Statistical Area in which Sonoma County is located, as established by California Health and Safety Code section 50093, as amended or any successor statute thereto. "Adjusted for family size appropriate to the unit" shall have the meaning set forth in California Health and Safety Code section 50053, as amended, or any successor statute thereto. As permitted by Community Redevelopment Law, the income and rent requirements of the California Tax Credit Allocation Committee procedures shall control while such are in place as to the Project. The use, maintenance, and operation of the Project shall all be in accordance with the terms and in substantially the form of the Covenant, attached hereto as Attachment No. 2, the uses specified in the Redevelopment Plan, and this Agreement for the periods of time specified therein. 1004906v4D 80078/0022 16 302. Subordination of Covenant. Upon written request by Developer or Owner, and upon terms and conditions reasonably approved by Commission, Commission will agree to subordinate Section 300 of the Commission Agreement, the Covenant, the Commission Deed of Trust (as defined below) and all other agreements contemplated therein or evidencing or securing the Affordability Requirements (as defined below), but expressly excluding the Development Agreement (as provided below) and Owner's or Developer's other non - financial obligations to Commission or City (hereinafter referred to as "Performance Documents ") to those regulatory agreements or other covenants and restrictions expressly identified as superior pursuant to a Subordination Agreement in the form attached hereto as Attachment No. 8. "Affordability Restrictions" means those affordability restrictions in the Agreement and in the Covenant ( "Affordability Restrictions "). Notwithstanding anything to the contrary in the Commission Documents, the Performance Documents, the Subordinate Indebtedness, the Subordination Agreement, or in any other subordination agreements, the terms and conditions of the Development Agreement shall remain superior to any Senior Financing and Senior Financing Documents (as defined in the Subordination Agreement), and only the modifications thereof pursuant to this Agreement can be construed to be junior obligations, liens or encumbrances. 400. FINANCIAL PROVISIONS 401. Commission Assistance. Subject to the conditions set forth in the Agreement, Commission agrees to loan to Developer such "Commission Assistance" in the maximum amount of One Million Two Hundred Thousand Dollars ($1,200,000) for purposes of performance and completion of the Commission Work. One half of the amount of the Commission Assistance shall be distributed to Developer at Closing. Developer shall be permitted to loan the proceeds of the Commission Assistance to Owner in order to perform the Commission Work; provided, however, that no portion of the Commission Assistance shall be utilized for ineligible costs as set forth in California Health & Safety Code section 33334.2(e). All disbursements shall be held by Developer in trust and applied by Developer solely for the purposes for which the funds have been disbursed. Commission is not obligated to monitor or determine Developer's use or application of the disbursements. Developer shall execute a non - recourse promissory note reflecting the amount of the Commission Assistance ( "Commission Note "). The Commission Note shall be executed and delivered by Developer to Commission in substantially the form attached hereto as Attachment No. 4. As set forth in the Commission Note, the amount of the Commission Assistance shall be forgiven on the 55th anniversary of the date of the Commission Note in the event that the maker of the Commission Note is not then in default under the Affordable Housing and Loan Agreement, the Covenant, the Commission Note, the Owner Note (as defined below), or any other Commission Documents. Owner shall in turn execute a non - recourse promissory note reflecting the amount of the Commission Assistance that will be loaned to Owner ( "Owner Note ") in substantially the form attached hereto as Attachment No. 11. As security for the Commission Note and for Developer's Obligations, Owner shall grant to Developer a deed of trust (including an addendum thereto) creating a valid lien against the Site ( "Commission Deed of Trust ") in substantially the form attached hereto as Attachment No. 5. As additional security for the Commission Note, Developer shall pledge the Owner Note and Commission Deed of Trust to the Commission via the Note Pledge Agreement in the form attached hereto as Attachment No. 10. 1004906AD 80078/0022 17 401.1 Conditions Precedent to Commission Assistance. Commission's obligation to provide any component of the Commission Assistance is conditioned upon the satisfaction or waiver by Commission of each and all of the conditions precedent described below ( "Conditions Precedent "), which are solely for the benefit of Commission, and which shall be fulfilled or waived by the time periods provided for herein. If the Conditions Precedent (other than the condition set forth in Section 401.1(k)) or Applicable Laws (whether applicable to Developer, Owner, Commission, or the City) are not satisfied or expressly waived by December 1, 2007 ( "Outside Date ") this Agreement shall automatically terminate with no liability to or remaining obligations of either Commission or the City. a. No Default. Subject to the expiration of any applicable cure period, Developer shall not (a) be in Default of any of its obligations under the terms of this Agreement; nor (b) be in_default under any of the Commission Documents; and (c) all representations and warranties of Developer contained in each of this Agreement and the Commission Documents shall be true and correct in all material respects. b. Execution of Documents. Developer shall have executed, or cause to be executed by Owner, and acknowledged in recordable farm the Memorandum of Agreement, the Covenant, the Commission Note, the Commission Deed of Trust, the Owner Note, the Note Pledge Agreement, and any other documents required hereunder or thereunder, and delivered such documents into Escrow. C. Insurance. Developer and Owner shall have, or shall have caused Owner to have, provided proof of insurance to the extent required by this Agreement and the Covenant. . d. Financial Statements and Reports. Developer shall have delivered to Commission the financial statements and written annual statements required under this Agreement with respect to the Project and Developer's financial condition, together with such other information as reasonably requested by Commission, and Commission shall have approved the same. e. Partnership Agreement. Developer shall have, or shall caused Owner to have, delivered to Commission, Owner's Partnership Agreement, together with all amendments thereto. f. Payment of Property Taxes. No ad valorem property taxes or assessments assessed with respect to the Project shall be delinquent. g. Evidence of Financing and Loan Closings. To the extent not previously delivered, Developer shall deliver to Commission evidence that Developer or Owner has obtained all approvals necessary for land acquisition and construction financing and commitments necessary and sufficient for the Project and Improvements, and all applicable funding shall have been granted, closed or be ready to close concurrent with Closing and Commission shall have approved the same. h. Permits. Developer shall have obtained all City and other governmental permits required for the applicable portions of the Commission Work, and the City 10049060D 80078/0022 18 shall be ready to issue building permits for the construction of the Commission Work upon the payment of the applicable fees by Developer. i. Construction Contract(s). Developer and/or Owner shall have secured and delivered to Commission and City a construction contract for the Improvements (or separate contracts for the Commission Work and the Path Improvements), in a form reasonably acceptable to the Executive Director and the City Manager; provided, however that if either the Executive Director or the City Manager shall not have delivered notice to Developer of any objections to the applicable construction contract within 5 business days after receipt, then the applicable construction contract shall be deemed approved. j. Escrow Instructions. The parties will execute Joint Escrow Instructions in substantially the form attached hereto as Attachment No. 1 and incorporated by reference. The parties may execute supplemental escrow instructions as set forth therein. In no event shall Commission be required to disburse any Commission Assistance before Closing. k. Disbursement Requests, Documentation. After the initial disbursement of the Commission Assistance at Closing, additional disbursements of the Commission Assistance shall only be made upon prior written request by Developer to Commission specifying the amount of the requested disbursement and the eligible use therefor, together with supporting invoices and other documentation as Commission may require. Commission shall have a period of five business days in which to either request additional documentation or release the requested. disbursement as an advance of the Commission Assistance. Commission shall have the right, upon written notice to Developer, and during normal business hours, to inspect and examine Developer's and Owner's books and records related to the Improvements. I. CEQA Compliance. Developer shall have complied, or caused Owner to comply, with the following: (a) all applicable requirements of the California Environmental Quality Act, California Public Resources Code sections 21000, et seq. ( "CEQA "), CEQA guidelines, and implementing regulations (all as amended from time to time); (b) any necessary properly- noticed public hearings shall have taken place; (c) the City Council and Planning Commission shall have adopted resolutions certifying the CEQA documents; and (d) applicable statutes of limitations have expired. m. Agreement Public Review and Approval. A properly- noticed public hearing on this Agreement shall have taken place and the Commission and the City Council shall have adopted resolutions approving this Agreement, subject to non - substantive modifications and amendments hereof. Commission is not, and shall not be considered to be, obligated by this Agreement until it has executed this Agreement, or otherwise, to approve this Agreement or any other agreement until it has executed this Agreement: 402. Subordination of Deed of Trust. Upon written request by Developer, and upon terms and conditions reasonably approved by Commission, Commission will agree to subordinate Section 400 of this Agreement, the Commission Note, the Commission Deed of Trust (as defined below), the Memorandum of Affordable Housing and Loan Agreement, the Owner Note, the Note Pledge Agreement, and all other agreements contemplated therein or 1004906AD 80078/0022 19 evidencing or securing Developer's or Owner's financial obligations to City or Commission. Commission shall have the right to review and approve the terms and conditions of any Senior Financing and related subordination agreements, which approval shall not be unreasonably withheld. To implement any such subordination, Commission has agreed to cooperate with Developer and execute a Subordination Agreement in a form attached hereto as Attachment No. 8. Notwithstanding anything to the contrary in the Commission Documents, the Performance Documents, the Subordinate Indebtedness, the Subordination Agreement, or in any other subordination agreements, the terms and conditions of the Development .Agreement shall remain superior to any Senior Financing and Senior Financing Documents (as defined in the Subordination Agreement), and only the modifications thereof pursuant to this Agreement can be construed to be junior obligations, liens or encumbrances. 500. DEFAULTS AND REMEDIES 501, Default. Subject to the permitted extensions of time as provided in Section 602 of this Agreement, the failure by either party to perform any action or covenant required by this Agreement within the time periods provided herein following notice and expiration of any applicable cure period, shall constitute a "Default" under this Agreement and the Commission Deed of Trust. A party claiming a Default under this Agreement shall give written notice of default to the other party specifying the Default complained of ( "Notice of Default "). A party claiming a Default shall give notice as provided therein. 501.1 General Remedies. Except as otherwise expressly provided in this Agreement, the claimant shall not institute any proceeding against any other party, and the other party shall not be in Default if such party within 30 days following receipt of such Notice of Default immediately, with due diligence, commences to cure, correct or remedy such failure or delay and completes such cure, correction or remedy with diligence. If a Default occurs, then Commission may exercise any right or remedy which it has under this Agreement, or which is otherwise available at law or in equity or by statute, and all of Commission's rights and remedies shall be cumulative. 501.2 Specific Performance; Disbursement Cessation. Upon the occurrence of a Default specified in this Agreement, Commission may, at its option, require specific performance of Developer's obligations and/or cease disbursement of the Commission Assistance. 502. Institution of Legal Actions. Except as otherwise specifically provided herein, upon the occurrence of a Default, the non - defaulting parry shall have the right, in addition to any other rights or remedies, to institute any action at law or in equity to cure, correct, prevent or remedy any Default, or 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 Sonoma, State of California. Notwithstanding anything herein to the contrary, neither party shall have the right to recover consequential damages from the other party. 503. Termination. This Agreement may be terminated: (i) if there is an uncured Default, by written notice from the party not in Default; (ii) if there is a failure of a condition 1004906v4D 80078/0022 20 (which is not waived by the party whom the condition benefits) by notice from the parry whom the condition benefits; or (iii) in accordance with applicable provisions hereof. In the event of termination due to a failure by Developer under such sections, neither Commission nor Developer shall have any further rights against or liability to the other under this Agreement and, specifically, Commission shall have no obligation to make any further disbursements of the Commission Assistance. 504. Acceptance of Service of Process. In the event that any legal action is commenced by Developer against Commission, service of process on Commission shall be made by personal service upon the Executive Director of Commission or in such other manner as may be provided by law. In the event that any legal action is commenced by Commission against Developer, service of process on Developer shall be made by personal service upon Flynann Janisse or in such other manner as may be provided by law. 505. Rights and Remedies Are Cumulative.. 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, except as otherwise expressly provided herein. 506. Inaction Not a Waiver of Default. 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, or deprive either such party of its right to institute and maintain any actions or proceedings which it may deem necessary to protect, assert or enforce any such rights or remedies. 600. GENERAL PROVISIONS 601. Notices, Demands and Communications Between the Parties. Any approval, disapproval, demand, document or other notice to be provided under this Agreement shall be given in writing and shall be sent: (a) for personal delivery by a delivery service that provides a record of the date of delivery, the individual to whom delivery was made, and the address where delivery was made; (b) by first -class certified United States mail, postage prepaid, return receipt requested; (c) by a nationally recognized overnight courier service, marked for next day business delivery; or (d) sent by.facsimile (immediately followed by one of the preceding methods). All notices shall be addressed to the party to whom such notice is to be given at the property address stated in this Section or to such other address as a party may designate by written notice to the other. All notices shall be deemed effective on the earliest of (a) actual receipt; (b) rejection of delivery; (c) if sent by certified mail, the third day on which regular United States mail delivery service is provided after the day of mailing or, if sent by overnight delivery service, on the next day on which such service makes next- business -day deliveries after the day of sending. 1004906v4D 80018/0022 21 To Commission: Community Development Commission of the City of Rohnert Park 6750 Commerce Boulevard Rohnert Park, California 94928 Attention: Executive Director Telephone: (707) 588 -2227 Facsimile: (707) 588 -2274 To City: City of Rohnert Park 6750 Commerce Boulevard Rohnert Park, California 94928 Attention: City Manager Telephone: (707) 588 -2227 Facsimile: (707) 588 -2274 With a copy to: City of Rohnert Park 6750 Commerce Boulevard Rohnert Park, California 94928 Attention: City Attorney Telephone: (70.7) 588 -2227 Facsimile: (707) 588 -2274 With a copy to: McDonough Holland & Allen PC 1901 Harrison Street, 91h Floor Oakland, CA 94612 Attention: Susanne Meyer Brown, Esq. Telephone: (510) 273 -8780 Facsimile: (510) 839 -9104 To Developer . Rainbow — Copeland Creek, LLC 34975 N. North Valley Parkway, Suite 152 Phoenix, AZ 85086 Attention: Flynann Janisse Telephone: (623) 889 -339I Facsimile: (623) 687 -9472 With a copy to: TRG- Copeland Creek, LP 556 Commercial Street, Suite 300 San Francisco, California 94111 Attention: Executive Director Telephone: (415) 788 -0700 Facsimile: (415) 788 -0435 10049064D 80078/0022 22 With a copy to: Cox, Castle & Nicholson LLP 555 California Street, Tenth Floor San Francisco, California 94104 Attention: Stephen Ryan, Esq. Telephone: (415) 262 -5150 . Facsimile: (415) 392 -4250 And a copy to: Centerline Capital Group Inc. 625 Madison Avenue New York, New York 10022 Attention: Andrew J. Weil Telephone: (212) 3.17 -5700 Facsimile: (212) 751 -3550 602. Term of Agreement; Enforced Delay; Extension of Times of Performance. Subject to the limitations set forth below, performance by either party hereunder shall not be deemed to be in Default, and all performance and other dates specified in this Agreement shall be extended, where delays or Defaults are due to: war; insurrection; strikes; lockouts; riots; floods; earthquakes; fires; casualties; force majeure; acts of the public enemy; epidemics; quarantine restrictions; freight embargoes; governmental restrictions or priority; litigation; unusually severe weather; acts or omissions of the other party; or acts or failures to act of the City or any other public or governmental agency or entity (other than the acts or failures to act of Commission which shall not excuse performance by Commission). An extension of time for any such cause shall be for the period of the enforced delay and shall commence to run from the time of the commencement of the cause (but in any event shall not exceed a cumulative total of 120 days, if notice by the party claiming such extension is sent to the other party within 30 days of the commencement of the cause. Times of performance under this Agreement may also be extended in writing by the mutual agreement of the Executive Director of Commission and Developer. Developer expressly agrees that adverse changes in economic conditions, either of Developer specifically or the economy generally, changes in market conditions or demand, and/or Developer's inability to obtain financing or other lack of funding to complete the Improvements or any portion thereof shall not constitute grounds of enforced delay pursuant to this Section 602. Developer expressly assumes the risk of such adverse economic or market changes and/or inability to obtain financing, whether or not foreseeable as of the Date of Agreement. 603. Successors and Assigns. Subject to the prohibitions against changes'in the ownership, management and control of Developer set forth in the Covenant, all of the terms, covenants and conditions of this Agreement shall be binding upon Developer and its permitted successors and assigns. Whenever the term "Developer" is used in this Agreement, such term shall include any other permitted successors and assigns as herein provided. Any assignee pursuant to an assignment consented to by Commission shall deliver to Commission, before the assignment shall be effective, a written original of the assignment of this Agreement and the party's agreement to be bound by and to perform and observe all terms, covenants and conditions of Developer under this Agreement and to assume all obligations of Developer thereunder, which instrument must be satisfactory in form and content to Commission. 1004906v4D 8007810022 23 604. Memorandum of Agreement. A "Memorandum of Affordable Housing and Loan Agreement" in the form of Attachment No. 3 attached hereto shall be recorded against the Site immediately following execution of the Agreement by the parties. 605. Relationship Between Commission and Developer, the City and Developer. It is hereby acknowledged that the relationship between Commission and Developer, or the City and Developer, is not that of a partnership or joint venture and that Commission and Developer, or the City and Developer, shall not be deemed or construed for any purpose to be the agent of the other. Accordingly, except as expressly provided in this Agreement, the Covenant, or the Development Agreement, neither Commission nor the City shall have any rights, powers, duties or obligations with respect to the development, operation, maintenance or management of the Site or the Project. 606. Commission and City Approvals and Actions. Whenever a reference is made herein to an action or approval to be undertaken by Commission, the Executive Director of Commission or his or her designee is authorized to act on behalf of Commission unless specifically provided otherwise or the context should require otherwise. Whenever a reference is made herein to an action or approval to be undertaken by the City, the City Manager of the City or his or her designee is authorized to act on behalf of the City unless specifically provided otherwise or the context should.require otherwise. The City Manager and Executive Director shall have the authority to issue waivers and /or enter into amendments to this Agreement on behalf of the Commission and the City so long as such actions do not materially or substantially change the terms of this Agreement and such waivers and/or amendments may include extensions of time to perform obligations hereunder. Any other material or substantive waivers of or amendments to this Agreement shall require the consideration, action and written consent of the City and Commission. 607. Counterparts. This Agreement may be signed in multiple counterparts which, when signed by all parties, shall constitute a binding agreement. This Agreement is executed in three (3) originals, each of which is deemed to be an original. 608. Integration. -Attachment Nos. I through 10 (individually and collectively, "Attachments ") are incorporated by reference as though fully restated herein. The Attachments constitute a part of the Agreement. This Agreement, along with the Development Agreement, constitutes the entire understanding and agreement of the parties, notwithstanding any previous negotiations or agreements between the parties or their predecessors in interest with respect to all or any part of the subject matter hereof. All prior or contemporaneous agreements, understandings, representations and statements, oral or written, are merged in this Agreement and shall be of no further force or effect. Nothing in this Agreement is intended to alter the priority of the Development Agreement which the parties acknowledge is superior to this Agreement and the Commission Documents. Each party is entering this Agreement based solely upon,the representations set forth herein and upon each party's own independent investigation of any and all facts such party deems material. 609. Titles and Captions. Titles and captions are for convenience of reference only and do not define, describe or limit the scope or the intent of this Agreement or of any of its 10049060D 80078/0022 24 terms. Reference to section numbers are to sections in this Agreement, unless expressly stated otherwise. 610. Interpretation. As used in this Agreement, masculine, feminine or neuter gender and the singular or plural number shall each be deemed to include the others where and when the context so dictates. The word "including" shall be construed as if followed by the words "without limitation." All exhibits and Attachments to. this Agreement are incorporated by. reference as though fully restated herein. This Agreement shall be interpreted as though prepared jointly by both parties. 611. - No Waiver. A waiver by either party of a breach of any of the covenants, conditions or agreements under this Agreement to be performed by the'other party shall not be construed as a waiver of any succeeding breach of the same or other covenants, agreements, restrictions or conditions of this Agreement. No waiver by the City or Commission of any of the Conditions Precedent or Applicable Laws shall be effective unless in a writing expressly identifying the scope of the waiver and signed by the waiving entity. 612. Modifications. Any alteration, change or modification of or to this Agreement, in order to become effective, shall be made in writing and in each instance signed on behalf of each party. 613. Severability. If any term, provision, condition or covenant of this Agreement or its application to any party or circumstances shall be held, to any extent, invalid or unenforceable, the remainder of this Agreement, or the application of the term, provision, condition or covenant to persons or circumstances other than those as to whom or which it is held invalid or unenforceable, shall not be affected, and shall be valid and enforceable to the fullest extent permitted by law. 614. Computation of Time. The time in which any act is to be done under this Agreement is computed by excluding the first day, and including the last day, unless the last day is a holiday or Saturday or Sunday, and then that day is also excluded. The term "holiday" shall mean all holidays as specified in California Government Code sections 6700 and 6701. If any act is to be done by a particular time during a day, that time shall be Pacific Time Zone time. 615. Legal Advice. Each party represents and warrants to the other the following: they have carefully read this Agreement, and in signing this Agreement, they do so with full knowledge of any right which they may have; they have received independent legal advice from their respective legal counsel as to the matters set forth in this Agreement, or have knowingly chosen not to consult legal counsel as to the matters set forth in this Agreement; and, they have freely'signed this Agreement without any reliance upon any agreement, promise, statement or representation by or on behalf of the other party, or their respective officers, agents, employees, volunteers, and representatives, or attorneys, except as specifically set forth in this Agreement, and without duress or coercion, whether economic or otherwise. 616. Time of Essence. Time is of the essence with respect to the performance by each party hereto of each and every obligation and condition of this Agreement: 1004906AD 80078/0022 25 617. Cooperation. Each party agrees to cooperate with the other in this transaction and, in that regard, shall execute any and all documents which may be reasonably necessary, helpful, or appropriate to carry out the purposes and intent of this Agreement including releases or additional agreements. 618. Conflicts of Interest. No member, official or employee of Commission or the City 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, her or its personal interests or the interests of any corporation, partnership or association in which he, she or it is directly or indirectly interested. 619. Time for Acceptance of Agreement by Commission. This Agreement, when executed by Developer and delivered to Commission and City, must be authorized, executed and delivered by each Commission and City on or before 45 days after signing and delivery of this Agreement by Developer or this Agreement shall be void, except to the extent that Developer shall consent in writing to a further extension of time for the authorization, execution and delivery of this Agreement_ 620. Indemnity. Except as otherwise provided in this Agreement, Developer shall, or shall cause Owner to, defend (with counsel reasonably acceptable to Commission and the City, as applicable), indemnify, assume all responsibility. for, and hold Indemnitees harmless from and against any and all present and future Claims arising out of or in any way connected with subject matter of this Agreement, including the development, operating, maintenance or management of the Site or Project, or the implementation hereof and for any damages to property or injuries to persons, including accidental death (including attorneys' fees and costs), which may be caused by any of Developer's or Owner's activities under this Agreement, whether such activities or performance thereof be by Developer or Owner or by anyone directly or indirectly employed or contracted with by Developer or Owner. All waivers by and indemnity obligations of Developer (including if on behalf of Owner) contained in this Agreement shall survive the expiration or other termination of this Agreement. All indemnity obligations contained in this Agreement expressly exclude Claims to the extent caused by City's or Commission's sole or active negligence or willful misconduct. 621. Non - liability of Officials and Employees of Commission and Developer. No member, official or employee of Commission or the City shall be personally liable to Developer, or any successor in interest, in the event of any Default or breach by Commission (or the City) or for any amount which may become due to Developer or its successors, or on any obligations under the terms of this Agreement. Developer hereby waives and releases any claim it may have against Indemnitees with respect to any Default or breach by Commission (or the City) or for any amount which may become due to Developer or its successors, or on any obligations under the terms of this Agreement. Developer makes such release with full knowledge of California Civil Code section 1542 and hereby waives any and all rights thereunder to the extent of this release. California Civil Code section 1542 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 1004906v4D 80078/0022 26 executing the release, which if known by him or her must have materially affected his or her settlement with the debtor. As such relates to this Section 621, Developer hereby waives and relinquishes all rights and benefits that it may have under California Civil Code section 1542. 622. Nonliability of Developer. No member, partner, officer, director, employee, agent or contractor of Developer or any of its partners shall be personally liable to the Commission or the City, or any successor in interest, in the event of any Default or breach by Developer or for any amount which may become due to Commission or the City or its successors, or on any indemnities or obligations under the terms of this Agreement. The obligations of the Developer hereunder shall be without recourse to any partner, member, officer, employee, agent or manager of the Developer and no partner, member, officer, employee, agent or manager of the Developer shall be personally liable for the payment of any obligation of the Developer hereunder. Commission and the City hereby waive and release any claim it may have against member, partner, officer, director, employee, agent or contractor of Developer or any of its partners with respect to any Default or breach by Developer or for any amount which may become due to the City or Commission or its successors, or on any obligations under the terms of this Agreement. 623. Assignment 623.1 By Commission. Commission may assign or transfer any of its rights or obligations under this Agreement with the approval of Developer, which approval shall not be unreasonably withheld; provided, however, that Commission may assign or transfer any of its interests hereunder to the City or any public or private entity controlled by the City at any time without the consent of Developer. 623.2 By Developer. The expertise and experience of Developer and its partners, are of extreme importance to Commission, and are a material inducement for. Commission to enter into this Agreement. As such, Developer may not assign or transfer any of its rights or obligations under this Agreement other than to make a loan of the Commission Assistance to the Owner in accordance with the terms hereof, without the express written approval of Commission, which approval may be withheld in Commission's sole discretion; provided, however, that Developer may make those transfers as permitted under the Covenant. 624. California Laws. The laws of the State of California, without regard to conflict of laws principles, shall govern the interpretation and enforcement of this Agreement. 625. Authorization. Each individual or entity executing this Agreement on behalf of Developer represents and warrants that he or she or it is duly authorized to execute and deliver this Agreement on behalf of Developer and that such execution is binding upon Developer. 626. Attorneys' Fees. In any action or proceeding which either party brings against the other to enforce its rights hereunder, the unsuccessful party shall pay all costs incurred by the prevailing party, including reasonable attorneys' fees, which amounts shall be a part of the judgment in said action or proceeding. 1004906v4D 80078/0022 27 627. Discretionary Approvals. The City and Commission each shall act independently, reserving full and complete discretion with respect to any approvals without reference to this Agreement. As such, Developer acknowledges that: (a) the execution of this Agreement does not constitute a commitment of either Commission or the City to approve this Agreement, the 33433 Report, any general plan amendment, property rezoning, or any. other agreement, satisfy Applicable Laws, or make any findings, recommendations or issue approvals in favor of Developer; (b) no such action shall be effective unless and until approved by Commission, the Planning Commission, and the City Council in each of their sole discretion, as applicable; (c) neither Commission nor the City will consider approval of the Project unless and until Commission or the City (as applicable) has fully reviewed and considered the environmental impacts of the proposed Project in accordance with Environmental Laws as. defined above; and (d) regardless of Environmental Compliance review, neither Commission nor the City is obligated, by this Agreement or otherwise, to fulfill any Environmental Compliance obligations or to adopt findings of overriding considerations for the approval of the Project or take any other action in support of the proposed Project, nor are they precluded, by this Agreement or otherwise, from rejecting the Projector from imposing mitigation measures as a condition of Project approval, which measures mitigate or avoid direct or indirect environmental effects of the Project. Developer further acknowledges that nothing in this Agreement is intended to or shall prejudge or commit to the City or Commission regarding the findings and determinations to be made with respect to the subject matter of this Agreement, nor shall either Commission or the City be liable, in any respect, to Developer or any third -party beneficiary of this Agreement for their action or inaction in approving this Agreement, granting or denying any discretionary approvals. IN WITNESS WHEREOF, the parties have executed this Agreement on the respective dates set forth below. Dated: RAINBOW— COPELAND CREEK, LLC, a California limited liability company By: Rainbow Housing Assistance Corporation, a California nonprofit public benefit corporation, its Sole Member go Flynann Janisse, Executive Director "DEVELOPER" COMMUNITY DEVELOPMENT COMMISSION OF THE CITY OFROHNERT PARK, a public body corporate and politic 1004906v4D 80078/0022 28 Dated: By: "Date of Agreement" Stephen R. Donley Executive Director ATTEST: Judy Hauff Commission Secretary APPROVED AS TO FORM: Commission General Counsel Dated: ATTEST:. Judy Hauff City Clerk APPROVED AS TO FORM: City Attorney 1004906v4D 80078/0022 29 "COMMISSION" THE CITY OF ROHNERT PARK, a California municipal corporation I'M Stephen R. Donley City Manager [Signature must be notarized] "CITY" Attachment No. 1 JOINT ESCROW INSTRUCTIONS These escrow instructions issued by the COMMUNITY DEVELOPMENT COMMISSION OF THE CITY OF ROHNERT PARK, a public body corporate and politic ( "Commission "), the CITY OF ROHNERT PARK, a California municipal corporation, RAINBOW - COPELAND CREEK, LLC, a California limited liability company ( "Developer "), and TRG- COPELAND CREEK, LP, a California limited partnership ( "Owner "), shall constitute joint escrow instructions ( "Instructions ") of Developer, the City, Owner, and Commission (each a "party", collectively the "parties ") for the transaction contemplated under the that certain Affordable Housing and Loan Agreement dated .,,.,..,.,. : , ..., : -; 2007, between the City, Developer and Commission including all Attachments thereto ( "Agreement "). All capitalized terms not defined herein shall have the meaning as defined in the Agreement. 1. Escrow Instructions. The parties have opened escrow no. ( "Escrow ") with Title Company ( "Escrow Agent "). a. These Instructions and the Agreement constitute joint escrow instructions of the parties. Escrow Agent to whom these Instructions are delivered is hereby empowered to act thereunder. The parties hereto agree to do all acts reasonably necessary to close Escrow in the shortest possible time. All funds received in Escrow shall be deposited with other escrow funds in an interest - bearing account with a state or national bank doing business in the State of California. All disbursements shall be made by check or wire transfer from such account. All interest on the escrow funds shall belong, and be disbursed to, Commission: b. If, in the opinion of either party, it is necessary or convenient in order to accomplish the Closing of this transaction, such party may execute supplemental escrow instructions and /or require that the parties sign supplemental joint escrow instructions; provided that if there is any inconsistency between this document, the Agreement, and the supplemental escrow instructions, then the provisions of the Agreement shall control. The parties agree to execute such other and further documents as may be reasonably necessary, helpful or appropriate to effectuate the provisions of the Agreement. Escrow Agent is instructed to release each party escrow closing statements to the respective parties. Authority of Escrow Agent. Escrow Agent is authorized to, and shall: a. Pay and charge Developer for the premium of the Title Policy as set forth in Agreement Section 105. Site. b. Pay and charge Developer for all escrow fees, charges, and costs payable. C. Record the Memorandum of Agreement against the Site. Record the Affordable Housing and Maintenance Covenant against the Site. e. Record the Commission Deed of Trust (including the Addendum thereto) against the Record the Subordination Agreement against the Site. g. Deliver the fully executed Commission Note to Commission. h Deliver the fully executed Owner Note to the Commission. 1005028v4C 80078/0022 i. Deliver the fully executed Note Pledge Agreement to the Commission. j. Disburse the Commission Assistance as set forth in the Agreement. k. Do such other actions as necessary, including obtaining the Title Policy to fulfill Escrow Agent's obligations under the Agreement. 1. Within the discretion of Escrow Agent, direct each party to execute and deliver any instrument, affidavit, and statement, and to perform any act reasonably necessary to comply with the provisions of FIRPTA and any similar state act and regulations promulgated thereunder. Each party, as appropriate, agrees to execute a Certificate of Non- Foreign Status by individual transferor and /or a Certification of Compliance with Real Estate Reporting Requirement of the 1986 Tax Reform Act as may be required by Escrow Agent, on the form to be supplied by Escrow Agent. m. Prepare and file with all appropriate governmental or taxing authorities a uniform settlement statement, closing statement, tax withholding forms including an IRS 1099 -S form, and be responsible for withholding taxes, if any such forms are provided for or required by law. n. Verify that all documents were properly dated and executed personally, not under power of attorney, by the party named as the signator as set forth therein, initialed, and where applicable, witnessed and acknowledged, and that all exhibits (including correct property descriptions) were appended. 3. Closin . Except as otherwise agreed by the parties in writing, the Closing shall take place after the parties' satisfaction of all of the Conditions Precedent as set forth in Agreement, but in no event later than 30 days after the Date of Agreement. The "Closing" shall mean the time and day the Covenant and the Commission Deed of Trust are recorded with the Sonoma County Recorder. The "Closing Date" shall mean the day on which the Closing occurs. 4. Closing Procedure. Escrow Agent shall close Escrow as follows: a. Record the Memorandum of Agreement with instructions for the Recorder of Sonoma County, California to deliver the recorded Memorandum of Agreement to Developer; b. Record the Covenant with instructions for the Recorder of Sonoma County, California to deliver the recorded Covenant to Commission; C. Record the Commission Deed of Trust with instructions for the Recorder of Sonoma County, California to deliver the recorded Commission Deed of Trust to Commission; d. Record the Subordination Agreement with instructions for the Recorder of Sonoma County, California to deliver a copy of the recorded Subordination Agreement to Commission; e. Deliver the fully executed Commission Note to Commission; f. Deliver the fully executed Owner Note to the Commission. g. Deliver the fully executed Note Pledge Agreement to the Commission. h. Instruct the Title Company to deliver the Title Policy to Commission; L File any informational reports required by Internal Revenue Code section 6045(e), as amended, and any other applicable requirements; Deliver the FIRPTA Certificate, if any, to Developer; and 1005028v4C 80078/0022 2 k. Forward to each party a separate accounting of all funds received from and disbursed to such party and conformed copies of all executed and recorded or filed documents deposited into Escrow, with such recording and filing date and information endorsed thereon. 5. ' Miscellaneous. These Instructions shall be construed in accordance with and be governed by the laws of the State of California. If any provision of these Instructions shall be invalid, illegal or unenforceable, the validity, legality and enforceability of the remaining provisions hereof shall not in any way be affected or impaired thereby. IN WITNESS WHEREOF, the parties have executed these Instructions on the respective dates set forth below. 1005028AC 80078/0022 TRG- COPELAND CREEK, LP, a California limited Dated: partnership By: Rainbow — Copeland Creek, LLC, a California limited liability company, its Managing General Partner Dated: By: Rainbow Housing Assistance Corporation, a California nonprofit public benefit corporation, its Sole Member C Flynann Janisse, Executive Director By: Gung Ho- Copeland Creek, LLC, a California limited liability company, its Co-General Partner By: Gung Ho Partners, LLC, a Delaware limited liability company, acting with respect to its series 13, its Sole Member. By: Fidelity Partners, Inc., a California corporation, its Managing Member By: Joseph L. Sherman, President "DEVELOPER" RAINBOW — COPELAND CREEK, LLC, a California limited liability company, By: Rainbow Housing Assistance Corporation, a California nonprofit public benefit corporation, its. Sole Member By: Flynann.Janisse, Executive Director "OWNER" [Signatures continue on following page] 1005028AC 80078/0022 4 Dated: "Date of Instructions" ATTEST: Commission Secretary APPROVED AS TO FORM: Commission General Counsel Dated: ATTEST: Commission Secretary APPROVED AS TO FORM: Commission General Counsel 1005028v4C 80078/0022 5 COMMUNITY DEVELOPMENT COMMISSION OF THE CITY OF ROHNERT PARK, a public body corporate and politic By: "COMMISSION" THE CITY OF ROHNERT PARK, a California municipal corporation By: "COMMISSION" ACKNOWLEDGEMENT AND CONSENT Receipt of the foregoing Instructions and original documents is hereby acknowledged. We agree, for ourselves and on behalf of I to proceed in strict accordance with these Instructions, and represent and warrant to the parties that we, and each of us, is and are authorized to execute this Acknowledgement and Consent for ourselves, and each of us, and on behalf of Date: Date: go Name Title: Escrow Officer Title: Title Officer 10050290C 80078/0022 6 Attachment No. 2 RECORDING REQUESTED BY AND WHEN RECORDED MAIL TO: Community Development Commission of the City of Rohnert Park 6750 Commerce Boulevard Rohnert Park, California 94928 Attention: Executive Director This document is exempt from the payment of a recording fee pursuant to Government Code § 27383. AFFORDABLE HOUSING AND MAINTENANCE COVENANT For valuable consideration, the receipt of which is hereby acknowledged, TRG- COPELAND CREEK, LP, a California limited partnership ( "Owner "), the COMMUNITY DEVELOPMENT COMMISSION OF THE CITY OF ROHNERT PARK ( "Commission "), and the CITY OF ROHNERT PARK ( "City") agree as follows with reference to the following facts,: A. Owner owns that certain real property legally described on Exhibit A ( "Site "). Owner owns and has undertaken substantial rehabilitation of a 171 -unit permanent senior housing rental complex together with common facilities on the Site ( "Project "). Such substantial rehabilitation of the Project is to be completed by Owner as set forth in the Agreement. As described below, all of the units (other than the Manager's Unit, if any) within the Project shall be restricted to senior households of Lower and Very Low Income. B. The City and Commission in acting to carry out the obligations under the Community Redevelopment Law of the State of California (Health and Safety Code section 33000, et seq.) with respect to affordable housing has entered into.that certain Affordable Housing and Loan Agreement dated 2007, between Rainbow — Copeland Creek, LLC, a California limited liability company ( "Developer "), the City and Commission including all Attachments thereto ( "Agreement ") with respect to the Project. All capitalized terms not defined herein shall have the meaning as defined in the Agreement. C. Owner, the City and Commission agree that this Affordable. Housing and Maintenance Covenant ( "Covenant ") is a condition of Commission to approving the Agreement, that certain provision(s) of the Development Agreement shall be revised to extend the duration of the Development Agreement as set forth in Section 23 thereof, to be coterminous with the 55 -year period as set forth in Covenant Section 7, to ensure that the Affordable Units are rented to Qualifying Residents (as defined in the Development Agreement), and to ensure that that the Project shall be subject to the conditions and restrictions, and the rights of Commission and City under this Covenant, all as specified below. I . - USE OF THE SITE. The foregoing recitals are incorporated by reference into this Covenant. In addition, Owner hereby covenants and agrees that during the term of this Covenant, Owner shall use the Site and the Project in compliance with all of the following. A. Age Restrictions. Owner acknowledges and agrees that the terms and conditions of the Development Agreement by and between the City of Rohnert Park and Glenn H. Larson and Jack Yanoff, Owner's predecessors -in- interest, dated December 11, 1985, as amended by that certain Compliance Agreement dated October 26, 1996, that certain Second Compliance Agreement dated April 26, 1999, and 1005028v4C 80078/0022 that certain Third Compliance Agreement dated April 22, 2003 all by and between the City and Owner's predecessors -in- interest (collectively, "Development Agreement ") remain in full force and effect. Owner and the City hereby agree to extend the duration of the Development Agreement as set forth in Section 23 thereof, to be coterminous with the 55 -year period as set forth in Covenant Section 7, and further agree that Commission shall be a third -party beneficiary of the Development Agreement. Notwithstanding anything in the Commission Documents, the Performance Documents, the Subordinate Indebtedness, the Subordination Agreement, or in any other subordination agreements, to the contrary, the terms and conditions of the Development Agreement are and shall remain superior to the Senior Financing and Senior Financing Documents (as identified and defined in the Subordination Agreement), and only the modifications thereof pursuant to the Agreement can be construed to be junior obligations, liens, or encumbrances. Owner and the City hereby agree that Section E of Exhibit D of the Development Agreement is amended to state that if there are eight (8) units or more vacant on the Project, Owner may immediately rent such units to tenants that are not Qualifying Residents (as defined in the Development Agreement) until the vacancy at the Project is reduced to less than eight (8) units. When the vacancy at the Project is less than eight (8) units, any vacated units shall be made available to Qualifying Residents for a period of 120 days, rather than a period of 30 days before Owner shall be permitted to rent the vacant units to tenants that are not Qualifying Residents., B. Rent and Income Restrictions. (1) All of the residential units (other than the Manager's Unit, if any) of the Project shall be rent restricted ( "Affordable Unit" or "Affordable Units "); 17 of the Affordable Units shall be occupied by persons or households whose gross income is 50% or less of Area Median Income ( "Very Low Income Households ") at an affordable rent level pursuant to California Health and Safety Code section 50053, as amended, or any successor statute thereto; and 153 of the Affordable Units shall be occupied by persons or households whose gross income is 80% or less of Area Median Income ( "Lower Income Households ") at an affordable rent level pursuant to California Health and Safety Code section 50053, as amended, or any successor statute thereto. Rent for the Affordable Units shall be no greater than that considered as "Affordable Rent" for Very Low Income Households or Lower Income Households, as applicable, adjusted for family size appropriate to the unit, pursuant to California Health and Safety Code section 50053, as amended, or any successor statute thereto ("Affordable Rent "). "Area Median Income" means the median household income (adjusted for family size appropriate to the unit) of the Metropolitan Statistical Area in which Sonoma County is located, as established by California Health and Safety Code section.50093, as amended or any successor statute thereto. "Adjusted for family size appropriate to the unit" shall have the meaning set forth in California Health and Safety Code section 50053, as amended, or any successor statute thereto. As permitted by Community Redevelopment Law, the income and rent requirements of California Tax Credit Allocation Committee procedures shall control-while such are in place as to the Project. (2) The determination of status as a Very Low Income Household or Lower Income Household shall be made by Owner prior to initial occupancy of the Affordable Unit by such household. If a household occupying an Affordable Unit no longer qualifies as a Very Low Income Household or Lower Income Household, as applicable, such, household shall be deemed to continue. to be a Very Low Income Household or Lower Income Household, as applicable, for the purposes of the income requirements of covenant subsection' 1.13(l). However, if the gross income of such household exceeds 140% of the applicable income limit for a Very Low Income or Lower Income Unit occupied by the same number of tenants, the next available unit of comparable or smaller size must be rented to (or held vacant and available for immediate occupancy by) Lower Income Tenant(s). The unit occupied by such tenants whose aggregate gross income exceeds such applicable income limit shall continue to be treated as a Very Low or Lower Income Unit for purposes of this Covenant unless and until an available unit of comparable or smaller size is rented to persons other than Very Low or Lower Income Tenants, as applicable. (3) No less than one (1) person per bedroom shall be allowed. No more than one (1) person shall be -permitted to occupy a studio Affordable Unit, no more than two (2) persons shall be permitted to occupy a one (1) bedroom Affordable Unit, no more than three (3) persons shall be permitted to I005028v4C 80078/0022 - 2 occupy a two (2) bedroom Affordable Unit, no more than four (4) persons shall be permitted to occupy a three (3) bedroom Affordable Unit, and no more than five (5) persons shall be permitted to occupy a four (4) bedroom Affordable Unit. C. Marketing and Leasing Program; Management Plan Owner shall work with Commission to design a marketing and leasing program, which program shall be subject to the approval of Commission prior to lease -up and related activities, including but not limited to advertising. To the extent permitted by law, such program shall give preference in renting the Affordable Units to eligible persons and eligible households who live or work in the City of Rohnert Park. Owner shall comply with the provisions of such management plan in leasing the Affordable Units to the extent permitted by law, including but not limited to refusing to place a household on the list or remove such household from such list if the agent determines that such. household has provided false information in its application has a history of poor performance in meeting financial obligations, especially rent, disturbance of neighbors, destruction of property, poor housekeeping habits such as damage to the unit or the existence of health and sanitation hazards, poor landlord references, history of criminal activity involving crimes of physical violence to persons or property, unlawful drug activity, or other acts which would adversely affect the health, safety or welfare of other residents, or has, in the five years preceding the application, been evicted by a court of law. Examples of poor financial performance shall include but not be limited to the existence of accounts sent to collection for non - payment, credit accounts of status "3" or more, unpaid judgments, repossessions, outstanding liens, bankruptcy, more than two late rent payments within 12 months (consideration will be given in instances where tenant's rent was unusually high in proportion to household income) and where the total amount of outstanding credit payments plus the projected rent exceeds 60% of gross income. Owner may not use marital status in determining eligibility. A potential tenant refused a rental unit or a place on a waiting list shall be notified in writing stating the reasons for such determination and the procedure for appeal of such decision. D. Reporting Requirements. Annual reports and annual income certifications or recertifications must be submitted to Commission in the format and containing the information of the Project Status report, attached hereto as Exhibit B, that Owner is required to submit to the California Tax Credit Allocation Committee; provided however that the City shall have the right to, from time to time during the term of this Covenant, request such additional or different information necessary to meet reporting requirements imposed on the City or Commission by the Health and Safety Code and other Applicable Laws. The annual reports and annual income. certification shall be submitted to Commission on or before'January 315` of each year or, provided Owner provides Commission with notice, such other date as Owner may be required to submit its required reports to the California Debt Limit Allocation Committee and /or the California Tax Credit Allocation Committee. In the event that Commission requests additional or different information, Owner shall promptly supply such information in the reports required hereunder. Owner shall maintain all necessary books and records, including property, personal and financial records, in accordance with requirements prescribed by Commission with respect to all matters covered by this Covenant. Owner, at such time and in such forms as Commission may require, shall furnish to Commission, statements, records, reports, data and information pertaining to matters covered by this Covenant. Upon request for examination by Commission, Owner, at any time during normal business hours, shall make available all of its records . with respect to all matters covered by this Covenant. Owner shall permit Commission to audit, examine and make excerpts or transcripts from such records. E. Marketing Reports. Within 10 business days of Commission's request, which shall be sent pursuant to Section 19 below, Owner shall deliver to Commission marketing and leasing information, schedules and reports for the Affordable Units in form and substance reasonably acceptable to Commission. 2. TRANSFER. A. Limitations. The qualifications and identity of Owner and its managing member or partner is of particular concern to Commission and City. It is because of the demonstrated qualifications and identity 1005028v4C 80078/0022 that Commission and City have each entered into the Covenant with Owner, and Owner expressly agrees to the following limitations on transfer: (1) Owner shall not assign or transfer the Agreement, the Project or any portion(s) thereof, or interest(s) therein, or any right(s) hereunder without the prior written approval of Commission's Executive Director, which approval shall not be unreasonably withheld or delayed, and shall be granted upon each Commission's and City's receipt of evidence acceptable to them that the following conditions have been satisfied: (2) Owner is not in Default under the Covenant or Agreement or otherwise in violation of the Covenant, or the purchaser or assignee agrees to undertake to cure any such Defaults and violations to the reasonable satisfaction of each City and Commission; (3) The continued operation of the Project shall comply with the provisions of the Agreement and the Covenant; . (4) Either (i) the purchaser or assignee or its property manager has at least three year's experience in the ownership, operation and management of similar size rental housing projects, and at least one year's experience in the ownership, operation and management of rental housing projects containing below- market -rate units, without any record of material violations of discrimination restrictions or other Applicable Laws applicable to such projects, or (ii) the purchaser or assignee agrees to retain a property management firm with the experience and record described in subclause (i) above, or (iii) Owner or its management company will continue to manage the Project for at least one year following such transfer and during such period will provide training to the transferee and its manager in the responsibilities relating to the Affordable Units. "Applicable Laws" means all applicable laws, ordinances, statutes, codes, orders, decrees, rules, regulations, official policies, standards and specifications (including any ordinance, resolution, rule, regulation, standard, official policy, condition, or other measure) of the United States, the State of California, the County of Sonoma, the City, or any other political subdivision in which the Project is located, and of any other political subdivision, agency or instrumentality exercising jurisdiction over Commission, City, Developer, Owner, the Site or the Project, including without limitation all applicable Public Contracts Code requirements, City zoning and development standards, building, plumbing, mechanical and electrical codes, all other provisions of the City of Rohnert Park Municipal Code, Prevailing Wage Law, Environmental Laws, all applicable disabled and handicapped access requirements, including the Americans With Disabilities Act, 42 U.S.C. section 12101, et seq., Government Code section 4450, et seq., Government Code section 11135, et seq., and the Unruh Civil Rights Act, Civil Code section 51, et seq. . (5) The person or entity which is to acquire the Project does not have pending against it, and does not have a history of, significant and material building code violations or complaints concerning the maintenance, upkeep, operation and regulatory agreement compliance of any of its projects as identified by any local, state or federal regulatory agencies; and (6) The proposed purchaser or assignee enters into a written assignment and assumption agreement in form and content reasonably satisfactory to Commission's legal counsel, and, if requested by Commission, an opinion of such purchaser or assignee's counsel to the effect that the Agreement and this Covenant are valid, binding and enforceable obligations of such purchaser or assignee, subject to bankruptcy and other standard limitations affecting creditor's rights. Upon such an approved transfer., Owner shall be released of all of its obligations under this Covenant, the Agreement and the other Commission Documents (but not the Development Agreement) arising from and after the date of such approved transfer. B. Pre - Approved Transfers. Notwithstanding any other provision of the Covenant or Agreement to the contrary, Commission approval of a transfer or assignment of the Covenant or Agreement, the Project, or the Site or any interest therein shall not be required in connection with any of the following: 1005028v4C 80078/0022 4 (1) Subject to Owner submitting the assignment and assumption agreement referred to above and the approval of such agreement by Commission, which approval shall not be unreasonably withheld, any transfer or assignment of the Project or any interest therein to an entity or entities in which Owner, retains more than 50% in the aggregate, directly or indirectly, of the ownership or beneficial interest and retains full management and control of the transferee entity or entities, either directly or indirectly through another entity, subject only to certain major events requiring the consent or approval of the other owners of such entity ( "Affiliate" or "Affiliate of Owner "). The term "control" as used herein shall mean the ability to direct the operation and management of such corporation, partnership, limited liability or other entity. (2) Transfers resulting from the death or mental or physical incapacity of any member or partner of Owner; (3) The granting of temporary or permanent easements or permits to facilitate development of the Project; (4) Any assignment for financing purposes (subject to such financing being considered and approved by Commission pursuant to Agreement Section 401), including the Senior Financing Documents securing the Senior Financing; (5) The transfer of any stock, partnership interest, membership or other beneficial interest of Owner provided such transfer does not cause a material change in the rights to manage and control Owner; (6) The transfer of any stock, partnership interest, membership or other beneficial interest in any non - managing member or limited partner of Owner or any direct or indirect beneficial owner of any non - managing member or limited partner of Owner; (7) The admission of any new non - managing member or limited partner to Owner; (8) The admission of any new co- managing member or limited partner to Owner, so long as the initial managing member limited partner or an Affiliate of Owner remains a co- managing member of Owner and maintains control over the operation and management of Owner; (9) The transfer of any managing member interest, non - managing member interest, general partner or limited partner interest in Owner to an Affiliate of Owner so long as the initial managing member or general partner (as applicable) or Affiliate of Owner remains a managing or co-managing member or general partner (as applicable) of Owner and maintains control over the operation and management of Owner; (10) The rental, in the ordinary course of business of the Affordable Units in accordance with the terms of this Covenant; (11) The transfer of the Project to a limited partnership in which Owner or its wholly - controlled Affiliate is the sole general partner, and any transfer of the Project back to Owner or its Affiliate at the end of the 15 -year tax credit compliance period; (12) The transfer of any limited partnership interests in Owner; (13) The removal of the general partner of Owner, provided that any successor general partner has been approved by Commission in its reasonable discretion, unless such successor general partner is the Limited Partner or an Affiliate of the CharterMac Credit Enhanced Partners LP- Series G ( "Investor Limited Partner ") or CharterMac Credit Enhanced SLP LLC- Series G ( "Special Limited Partner "). 1005028v4C 80078/0022 C. In the event of an assignment or transfer by Owner under the above Subsections B(1) through (13), inclusive, not requiring Commission's prior approval, Owner nevertheless agrees that it shall give at least 15 days' prior written notice to Commission of such assignment or transfer. In addition, . Commission shall be entitled to review such documentation as may be reasonably required by Commission's Executive Director for the purpose of determining compliance of such assignment or transfer with the requirements of Subsections B(1) through B(13) inclusive. D. Nothing in this Covenant shall prohibit (i) sale or transfer of all or any portion of the Site through foreclosure of a mortgage or deed of trust permitted pursuant to Agreement Section 401, (ii) transfer to the holder of such permitted mortgage or deed of trust by deed in lieu of foreclosure or (iii) transfer of the Site by any such holder subsequent to acquisition by foreclosure or deed in lieu, so long as such transfer complies with the Agreement and this Covenant. Commission shall not be obligated to pay Commission Assistance to any transferee of the Site after foreclosure or transfer in lieu of foreclosure unless such transferee assumes all of Developer's and Owner's obligations under the Agreement and this Covenant (excluding repayment of any portion of the Commission Assistance not actually disbursed to such transferee). 3. NO DISCRIMINATION. A. Owner covenants by and for itself and any successors in interest that there shall be no discrimination 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 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 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 practice or practices of discrimination or segregation with reference to the selection, location, number, use or occupancy of tenants, lessees, subtenants, sublessees, or vendees in the premises herein conveyed. B. All deeds, leases or contracts made relative to the Project, the Site, the improvements thereon, or any part thereof, shall contain or be subject to substantially the following nondiscrimination clauses: (1) In deeds the following language shall appear: "The grantee herein covenants by and for himself or herself, his or her heirs, executors, administrators, and assigns, and all persons claiming under or through them, that there will be no discrimination 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 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 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, practice or practices of discrimination or segregation with reference to the selection, location, number, use or occupancy of tenants, lessees, subtenants, sublessees, or vendees in the premises herein conveyed. The foregoing covenants shall run with the land." (2) In leases the following language shall appear: "The lessee herein covenants by and for himself or herself, his or her heirs, executors, administrators, 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 against or segregation of any person or group of persons, on account of any basis listed in subdivision (a) or (d) of section I2955 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 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 1005028v4C 80078/0022 6 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." C. All deeds, leases or contracts made relative to the Project, the Site, the improvements thereon, or any part thereof, shall contain or be subject to substantially the nondiscrimination clauses as set forth in California Health and Safety Code section 33436, as amended, and successor statutes thereto, provided, however, this provision shall not prevent Owner from establishing preferences in accordance with all applicable fair housing laws. The provisions of this Section 3 shall run with the land and shall be contained in each subsequent grant deed conveying title to the Project, the Site, the improvements thereon, or any portion thereof, to any subsequent owner. 4. MAINTENANCE AND MANAGEMENT. Owner shall maintain the Project (such maintenance to include but not be limited to, buildings, sidewalks, pedestrian lighting, landscaping, irrigation of landscaping, architectural elements identifying the Project and any and all other improvements on the Site and in the public right -of -way to the nearest curbline(s) abutting the Site) in accordance with the Maintenance Standards (as hereinafter defined). To accomplish the maintenance, Owner shall either staff or contract with and hire licensed and qualified personnel to perform the maintenance work, including the provision of labor, equipment, materials, support facilities, and any and all other items necessary to comply with the requirements of this Covenant. The maintenance covenants and obligations set forth in this Section 4 shall remain in effect fo'r the period of time specified in Section 7, below. A. The following standards (collectively, "Maintenance Standards ") shall be complied with by Owner and its maintenance staff, contractors and subcontractors: (l) Landscape maintenance shall include: watering /irrigation; fertilization; mowing; edging; trimming of grass; tree and shrub pruning; trimming and shaping of trees and shrubs to maintain a healthy, natural appearance, safe road conditions and visibility, and irrigation coverage; replacement, as needed, of all plant materials; control of weeds in all planters, shrubs, lawns, ground covers, or other planted areas; and staking for support of trees. (2) Clean -up maintenance shall include: maintenance of all sidewalks, paths and other paved areas in clean and weed -free condition; maintenance of all such areas clear of dirt, mud, trash, debris or other matter which is unsafe or unsightly; removal of all trash, litter and other debris from improvements and landscaping prior to mowing; clearance and cleaning of all areas maintained prior to the end of the day on which the maintenance operations are performed to ensure that all cuttings, weeds, leaves and other debris are properly disposed of by maintenance workers. (3) All maintenance work shall conform to all applicable federal and state Occupation Safety and Health Act standards and regulations for the performance of maintenance. (4) Any and all chemicals, unhealthful substances, and pesticides used in and during maintenance shall be applied in strict accordance with all Applicable Laws. Precautionary measures shall be employed recognizing that all areas are open to public access. (5) The Project shall be maintained in conformance with the Agreement and this. Covenant and in accordance with the custom and practice generally applicable to comparable multi- family residential projects located within Sonoma County, California. Public right -of -way improvements to the curbline(s) on and abutting the Site shall be maintained as required by this Subsection 4.A in good condition and in accordance with the custom and practice generally applicable to public rights -of -way within the City of Rohnert Park. 1005028v4C 80078/0022 7 B. If Owner does not maintain the private and public improvements on the Site to the curbline(s) on and abutting the Site in the manner set forth herein and in accordance with the Maintenance Standards, Commission and /or the City shall have the right to maintain such private and /or public improvements, or to contract for the correction of such deficiencies, after written notice to Owner. However, prior to taking any such action, Commission agrees to notify Owner in writing if the condition of said improvements does not conform to the Maintenance Standards and to specify the deficiencies and the actions required to be taken by Owner to cure the deficiencies. Upon notification of any maintenance deficiency, Owner shall have 30 days within which to correct, remedy or cure the deficiency. If the written notification states that the problem is urgent and relates to the public health and safety, then Owner shall have 24 hours to rectify the problem. In the event Owner fails to correct, remedy, or cure or has not commenced correcting, remedying or curing such maintenance deficiency after notification and after expiration of any applicable cure period, including the notice and cure provisions for any holder of record of any mortgage or deed of trust pursuant to Agreement Section 401, then the City and /or Commission shall have the right to maintain such improvements. Owner agrees to pay Commission upon demand all charges and costs incurred by Commission or the City for such maintenance. Until so paid, Commission shall have a lien on the Site for the amount of such charges or costs, which lien shall be perfected by the recordation of a "Notice of Claim of Lien" against the Site. Any lien in favor of Commission created or claimed under this Section 4.13 is expressly made subject and subordinate to any mortgage or deed of trust made in good faith and for value, recorded as of the date of the recordation of the Notice of Claim of Lien, and no such lien shall in any way defeat, invalidate, or impair the obligation or priority of any such mortgage or deed of trust, unless the mortgagee or beneficiary thereunder expressly subordinates his interest, of record, to such lien. 5. REPLACEMENT RESERVE REQUIREMENT. Owner covenants and agrees that in each Operating Year, Owner shall deposit not less than Two Hundred Fifty Dollars ($250) per residential unit into a special capital replacement and repair reserve account required by the Senior Lender. The capital replacement reserve account shall be used exclusively.for payment of Project capital replacement expenses to the extent provided in the agreement(s) with the Senior Lender governing such reserves. 6. NO IMPAIRMENT OF LIEN. No violation or breach of the covenants, conditions, restrictions, provisions or limitations contained in this Covenant shall defeat or render invalid or in any way impair the lien or charge of any mortgage, deed of trust or other financing or security instrument; provided, however, that any successor in interest to the Site, the Project, or any portion thereof shall be bound by such covenants, conditions, restrictions, limitations and provisions, whether such successor's title was acquired by foreclosure, deed in lieu of foreclosure, trustee's sale or otherwise. 7. DURATION. The covenants and restrictions set forth at Sections 1, 2, 4 and 5 shall remain in effect until the date which is 55 years following the date of recording of the Covenant or the Certificate of Completion, whichever occurs later. The non - discrimination covenants set forth at Section 3 shall remain in effect in perpetuity. 8. SUCCESSORS AND ASSIGNS. The provisions of and covenants contained in this Covenant shall inure to the benefit of Commission and its successors and assigns and shall be binding upon Owner and any successor in interest to the Site, the Project, or any portion thereof. The covenants shall run in favor of Commission-and' the City and its and their successors and assigns for the entire period during which such covenants shall be in force and effect, without regard to whether Commission or the City are owners of any land or interest therein to which such covenants relate. Commission, the City, and its and their successors and assigns, in the event of any breach of any such covenants, or breach of any of Owner's obligations under the Agreement and this Covenant, shall have the right to exercise all of the rights and remedies and to maintain any actions at law or suits in equity or other proper proceedings to enforce the curing of such breach. 9. DEFAULT. 1005028AC 80078/0022 A. Any failure by Owner to perfonn any term or provision of this Covenant shall constitute a "Default" under this Covenant (1) if Owner does not cure such failure within 30 days following written notice of default from Commission or City, as applicable, including notice and opportunity to cure pursuant to Agreement Section 210 or (2) if such failure is not of a nature which can be cured within such 30 -day period, Owner does not within such 30 -day period commence substantial efforts to cure such failure, or thereafter does not within a reasonable time prosecute to completion with diligence and continuity the curing of such failure. Commission shall not enforce any of its rights and remedies under this Covenant for breach by -Owner except upon the occurrence of a Default. So Iong as (a) the Investor Limited Partner or Special Limited Partner (or their successors or assigns) remains a limited partner of Owner and (b) Commission is duly informed in writing of the name and notice address of the Investor Limited Partner or Special Limited Partner, prior to declaring a Default or taking any remedy permitted hereunder or under the Agreement or Applicable Laws based upon an alleged default by the Owner or its general partners, Investor Limited Partner and Special Limited Partner shall have a period of up to 60 days from the date of such written notice of default, which shall be sent pursuant to Section 19 below, from Commission to cure such alleged default, and if the Investor Limited Partner or Special Limited Partner reasonably believes that in order to cure such Default, the Investor Limited Partner or Special Limited Partner must remove one or both general partners in order to cure such default, the Special Limited Partner shall have an additional 30 days after expiration of such 60 -day period; but in no event shall the additional cure period for the Investor Limited Partner or Special Limited Partner exceed 90 days from the date of delivery of written notice of default from Commission. B. Any notice of default given hereunder shall specify in detail the nature of the failure in perfonmance which Commission claims constitutes the Default and the manner in which such Default may be satisfactorily cured in accordance with the terms and conditions of this Covenant. During the time periods herein specified for cure of a failure to perform, including the opportunities to cure for the Senior Lender, Owner shall not be considered to be in Default of this Covenant for any purposes. C. Any failure or delay by Commission or City in asserting any-of its rights or remedies, including but not limited to specific performance, as to any Default shall not operate as a waiver of any Default or of any such rights or remedies or deprive Commission of its right to institute and maintain any actions or proceedings which it may deem necessary to protect, assert or enforce any such rights or remedies. The provisions of this Covenant section 9 are in addition to any default provisions in favor of the City under the Development Agreement. 10. ESTOPPEL CERTIFICATE. Either party may, at any time, and from time to time, deliver written notice to the other party requesting such party to certify in writing that, to the current, actual knowledge of the certifying party, (a) this Covenant is in full force and effect and a binding obligation of the parties; (b) this Covenant has not been amended or modified or, if so amended or modified, identifying the amendments or modifications; and (c) the requesting party is not in Default in the performance of its obligations under this Covenant, or if in Default, to describe therein the nature and extent of any such defaults. The party receiving a request hereunder shall execute and return a certificate in reasonable form, or give a written, detailed response explaining why it will not do so, within 30 business days following the receipt of the request. The Executive Director shall be authorized to execute any certificate requested by Owner hereunder. Owner and Commission acknowledge that a certificate hereunder may be relied upon by those tenants, transferees, investors, partners, bond counsel, underwriters, bond holders and Mortgagees identified therein. The request shall clearly indicate that failure of the receiving party to respond within the 30 -day period will lead to a second and final request and failure to respond to the second and final request within 15 days of receipt thereof shall be deemed approval of the estoppel certificate. Failure of either party to execute an estoppel certificate shall not be deemed a default, provided that in the event such does not respond within the required 30 day period, the requesting party may send a second and final request to the non- responding party and failure of such non- responding party to respond within 15 days from receipt thereof (but only if the applicable request contains a clear statement that failure of such non - responding party to respond within this 15 day period shall constitute an approval) shall be deemed approval by such non- 1005028AC 80078/0022 responding of the estoppel certificate and may be relied upon as such by the requesting party, and those tenants, transferees, investors, partners, bond counsel, underwriters, bond holders and Mortgagees identified . therein. IL . CONVERSION TO FOR SALE PROJECT. If, following the date of this Covenant, Owner desires to operate the Project, or any part thereof, as a "for- sale" rather than a "rental" project, Owner must request that each City and Commission consider amending this Covenant to address the requirements applicable to for -sale affordable units. The parties acknowledge and agree that neither City nor Commission are under any obligation to modify or amend this Covenant, or any other documents related to the Site or Project, to accommodate any conversion of the Project to a for -sale project. Should Commission and City both together opt to do so, it will require such amendment and modification to comply with all Applicable Laws, and. ensure that the Covenant remains enforceable against purchasers and superior to any liens or encumbrances. Commission, City and Owner acknowledge that no modifications that may affect the rights or interests of any Senior Lender may be made without prior approval by the holder of record of the mortgage or deed of trust approved pursuant to Agreement Section 401. 12. OWNER'S REPRESENTATIONS. Owner represents and warrants to Commission and the City as follows: A. Authori . (1) Owner is a duly organized limited partnership organized within and in good standing under the laws of the State of California. The copies of the documents evidencing the organization of Owner that have been delivered to Commission are true and complete copies of the originals, as amended to the Date of Agreement. Owner has full right, power and lawful authority to undertake all obligations as provided herein and the execution, performance and delivery of this Covenant by Owner has been fully authorized by all requisite actions on the part of Owner. (2) Owner consists of Rainbow — Copeland Creek, LLC, as the managing general partner, Gung Ho-CopeIand Creek, LLC as the co- general partner, Investor Limited Partner, and Special Limited Partner. The sole member of the managing general partner is a non -profit organization pursuant to Internal Revenue Code section 501(c)(3). B. No Conflict. Owner's execution, delivery and performance of its obligations under this Covenant will not constitute a default or a breach under any contract, agreement or order to which Owner is a party or by which it is bound. C. No Bankruptcy. Owner is not the subject of a bankruptcy proceeding. D. No Litigation. There are no present or future liabilities, rights, obligations, orders, claims, damages, fines, penalties, deficiencies, costs, expenses, causes of action, suits, litigation or proceedings (including attorneys' fees and costs), whether in law or equity (collectively, "Claims ") pending, or to Owner's actual knowledge, threatened against Owner, or any affiliate thereof, that would affect Owner's ability to undertake and satisfy all of its obligations pursuant to this Covenant, the Owner Note, the Commission Deed of Trust, or the Note Pledge Agreement. There are no present and future liabilities, obligations, orders, claims, damages, fines, penalties, deficiencies, costs, expenses, causes of action or other litigation or proceedings (including attorneys' fees and costs) (collectively, "Claims ") pending, or to Owner's actual knowledge, threatened against Owner, or any affiliate'thereof, that would affect Owner's ability to undertake and satisfy all of its obligations pursuant to this Agreement. E. Owner Sophistication. Owner is a sophisticated owner, builder, and developer of real property (including affordable housing), familiar and experienced with requirements for the development, rehabilitation, and operation of the Project, the Improvements, and all portions thereof. 1005028v4C 80078/0022 10 F. Project Status. The improvement and rehabilitation work Owner has undertaken in connection with the Project ( "Owner Work ") is complete, the Project is habitable, fully leased, and is being operated as an ongoing concern as set forth in this Covenant, and the Improvements represent the balance of work required on the Project. G. Financial Status. Owner has secured necessary and sufficient funding to complete the Improvements and operate and maintain the Project in accordance with this Covenant, the Owner Note, the Commission Deed of Trust, and the Note Pledge Agreement, can meet all of its debt service, and are able to perform all of its obligations thereunder and under this Covenant. Owner's financial information provided to Commission, and the proforma attached to the Agreement as Attachment No. 7 ( "Proforma "), are complete, updated, and accurate. The Project is "in balance" and there are no defaults in connection with any debt or loans, including that certain loan from Wells Fargo Bank, as Trustee in the original principal amount of Fifteen Million Dollars ($15,000,000) ( "Senior Financing "), or under the Senior Financing Documents (as that term is defined in the draft subordination agreement attached to the Agreement as Attachment No. 8 ( "Subordination Agreement ")). H. Construction Contract(s). Owner shall have secured and delivered to Commission and City a construction contract for the Improvements (or separate contracts for the Commission Work and the Path Improvements), in a form reasonably acceptable to the Executive Director and the City Manager; provided, however that if either the Executive Director or the City Manager shall not have delivered notice to Owner of any objections to the applicable construction contract within 5 business days after receipt, then the applicable construction contract shall be deemed approved. 13. PREVAILING WAGES. Owner and its contractors and subcontractors shall comply with Labor Code section 1720, et seq., and its implementing regulations, regarding the payment of prevailing wages ( "Prevailing Wage Law ") with regard to the Commission Work, to the extent such sections are applicable to the Commission Work. Although Owner believes that the Prevailing Wage Law is not applicable herein, Owner shall be solely responsible for determining and effectuating compliance with the Prevailing Wage Law, and the Commission makes no representation as to the non - applicability of the Prevailing Wage Law to the Commission Work, or any part thereof. Nothing in this Covenant shall be construed as imposing any independent prevailing wage requirements that are different from those imposed by applicable federal or state law. Notwithstanding anything to the contrary contained herein, the Path Improvements are subject to the Prevailing Wage Law as provided in Section L(I) below. A. Owner shall defend, indemnify and hold harmless each of Commission, the City and its and their respective officers, officials, employees, volunteers, agents and representatives (collectively, "Indemnitees ") from and against any and all Claims, arising out of or in any way connected with Owner's obligation to comply with all laws with respect to the Commission Work and Prevailing Wage Law, including all Claims that may be made by contractors, subcontractors or other third party claimants pursuant to the California Labor Code, including sections 1726 and 178I, as amended and added by Senate Bill 966. . B. Owner hereby waives, releases and discharges forever the Indemnitees from any and all present and future Claims arising out of or in any way connected with Owner's obligation to comply with all laws with respect to the Commission Work and Prevailing Wage Law. Owner is aware of and 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 or her favor at the time of executing the release, which if known by him or her must have materially affected his or her settlement with the debtor. As such relates to this Section 13, Owner hereby waives and relinquishes all rights and benefits which it may have under California Civil Code. section 1542. The obligations of Owner. under this Section 13 shall survive the expiration or other termination of this Covenant. 1005028v4C 800'78/0022 I ] 14. RELOCATION WAIVER. A. Owner and its officers, directors, agents, contractors, employees, parents, affiliates, subsidiaries, successors, assigns, tenants, grantees, and licensees (collectively, "Owner Parties ") hereby fully releases and discharges Indemnitees from all Claims, whether known or unknown, whether now existing or hereinafter arising, which arise from or relate in any manner to the relocation of Owner's or Owner Parties' business operations or the relocation of any person or persons, business or businesses, or other occupant or occupants located at the Project, including the specific waiver and release of any right to any relocation benefits, assistance and/or payments under Government Code sections 7260 et seq. or other applicable state or federal law (collectively, "Relocation Assistance Law "), notwithstanding that such relocation benefits, assistance and/or payments may be otherwise required under the Relocation Assistance Law. It is hereby intended that the above release relates to both known and unknown Claims that either Owner or Owner Parties may have, or claim to have, against Indemnitees with respect to the subject matter contained herein or the events relating thereto. By releasing and forever discharging Claims both known and unknown which are related to or which arise under or in connection with the items set out above, Owner on behalf of itself and all Owner Parties expressly waives any rights under California Civil Code section 1542, which provides: 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, which if known by him or her must have materially affected his or her settlement with the debtor. As such relates to this Section 14, .Owner hereby waives and relinquishes all rights and benefits which it may have under California Civil Code section 1542. The obligations of Owner under this Section 14 shall survive the expiration or other termination of this Covenant. B. Indemnity for Relocation Claims. Owner shall indemnify, defend and hold Indemnitees harmless from any Claims asserted by or payable to any tenant or subtenant of the Project or any other person or entity claiming a right to use or occupy the Project pursuant to a written or oral agreement with Owner or any Owner Parties, including any claims for leasehold bonus value, furniture fixtures and equipment, loss of business goodwill or assistance or benefits provided for under Relocation Assistance Law. 15. ENVIRONMENTAL INDEMNIFICATION. Owner shall indemnify, defend and hold the Indemnitees harmless from and against any and all Claims resulting from, arising out of, or based upon the release, use, generation, discharge, storage or disposal of any Hazardous Materials on, under, in or about, or the transportation of any such Hazardous Materials to or from, the Project or any portion thereof in violation, or alleged violation, of Applicable Laws, no matter when occurred, except to the extent caused by Indemnitees. This indemnity shall in any damage, liability, fine, penalty, parallel indemnity, cost or expense arising from or out of any claim, action, suit or proceeding for bodily injury (including sickness, disease or death), tangible or intangible property damage, compensation for lost wages, business income, profits or other economic loss, damage to the natural resource or the environment, nuisance, trespass, contamination, leak, spill, release or other adverse effect on the environment. "Hazardous Materials" means any substance, material, or waste which is or becomes regulated by any local governmental authority, the State of California, or the United States Government, including any material or substance which is: (i) defined as a "hazardous waste," "extremely hazardous waste," or "restricted hazardous waste" under sections 25117, 25115 or 25122.7 of the California Health and Safety Code, or listed pursuant to California Health and Safety Code section 25140, Division 20, Chapter 6.5 ( "Hazardous Waste Control Law "); (ii) defined as a "hazardous substance" under California Health and Safety Code section 25316, Division 20, Chapter 6.8 (Carpenter- Presley- Tanner Hazardous Substance Account Act); (iii) defined as a "hazardous material," "hazardous substance," or "hazardous waste" under California Health and Safety Code section 25501, Division 20, Chapter 6.95 (Hazardous Materials Release Response Plans and Inventory); (iv) defined as a "hazardous substance" under California Health and Safety Code section 25281, Division 20, Chapter 6.7 1005028v4C 80078/0022 12 (Underground Storage of Hazardous Substances); (v) petroleum; (vi) friable asbestos; (vii) polychlorinated biphenyls; (viii) listed under Article 9 or defined as "hazardous" or "extremely hazardous" pursuant to Article 11 of Title 22 of the California Administrative Code, Division 4, Chapter 20; (ix) designated as "toxic pollutants" pursuant to section 311 of the Clean Water Act (33 U.S.C. § 1317); (x) defined as a "hazardous waste" pursuant to section 1004 of the Resource Conservation and Recovery Act, 42 U.S.C. section 6901, et seq. (42 U.S.C. §6903); or (xi) defined as "hazardous substances" pursuant to section 101 of the Comprehensive Environmental Response, Compensation, and Liability Act, 42 U.S.C. section 9601, et seq., as the foregoing statutes and regulations now exist or may hereafter be amended. The obligations under this Section 15 shall survive the issuance of the Certificate of Completion. 16. SUBSTANTIAL REHABILITATION A. Scope of Work. Owner shall complete the substantial rehabilitation work outlined in the Scope of Work attached hereto as Exhibit C ( "Commission Work "). As set forth on Exhibit C, the Commission Work consists of (i) items that are required to be completed ( "Required Items "), and (ii) items that Owner may elect to complete if the Commission Assistance has not been fully spent on the Required Items of the Commission Work. The Commission Work shall be performed by a licensed contractor(s). If Owner desires to propose any material revisions to the Commission Work, Owner shall submit such proposed changes to Commission, and shall also proceed in accordance with any and all federal, state and local laws and regulations regarding such revisions. Owner shall include any and all changes or revisions required by the City and its inspectors which are required under the Municipal Code and all other applicable Uniform Codes (e.g. Building, Plumbing, Fire, Electrical, etc.) and under other Applicable Laws in the Commission Work. B. Permits and Approvals. Owner shall secure or cause to be secured any and all land use and other entitlements, permits and approvals timely which may be required by the City (including all approvals required by the Planning Commission of the City and Commission, and any other governmental agency affected by the Improvements). Commission staff will work cooperatively with Owner to assist in coordinating the expeditious processing and consideration of all necessary permits, entitlements and approvals. However, the execution of this Covenant does not constitute the granting of, or a commitment to obtain, any required land use permits, entitlements or approvals required by Commission or the City. C. Construction Contract. Owner shall have delivered to Commission a construction contract for the Improvements, in a form reasonably acceptable to the Executive Director; provided, however that if the Executive Director shall not have delivered notice to Owner of any objections to the construction contract within 5 business days after receipt, then the construction contract shall be deemed approved. D. Schedule of Performance. Owner shall commence and complete the Commission Work and satisfy all other applicable obligations and conditions of this Covenant by April 1, 2008 ( "Completion Date "). (1) Consultation and Coordination. The staff of Commission and Owner shall hold progress meetings on an as- needed basis to coordinate the preparation, submission, and review of the Commission Work. The staff of Commission and Owner shall communicate and consult informally as frequently as is necessary to ensure that the formal submittal of any documents to Commission can receive timely and thorough consideration. (2) Defects in Plans. Commission shall not be responsible either to Owner or to any third parties in any way for any defects in the Commission Work; for any structural or other defects in any 1005028v4C 80078/0022 13 work done according to the approved Commission Work, for any defects in the Improvements, nor for any delays caused by review and approval processes. Owner shall hold harmless, indemnify, pay for and defend Indemnitees from and against any and all present and future Claims together with any damage to property or injury to or death of any persons, arising out of or in any way relating to defects in the Commission Work or the Improvements, including the violation of any Applicable Laws, or for defects in any work done according to the approved Commission Work. (3) Quality; Applicable Codes. The Improvements shall be of high quality, and shall be effectively and.aesthetically designed and shall be constructed in accordance with the Uniform Building Code (with the City's modifications) and the City's Municipal Code and any other Applicable Laws. (4) Cost of Construction. All the costs of Site preparation, planning, designing and constructing the Improvements and the Project shall be borne solely by Owner, except as otherwise expressly set forth herein. E. Compliance With Laws; Indemnity; Waiver. (1) Compliance with Laws. Owner shall construct the Improvements in conformity with all Applicable Laws. Owner for itself, and for its successors and assigns, agrees that in the construction of the Improvements, Owner will not discriminate against any employee or applicant for employment because of race, color, creed, religion, sex, marital status, ancestry or national origin. (2) Indemnity. Owner shall defend, indemnify and hold harmless the Indemnitees from and against any and all present and future Claims arising out of or in any way connected with Owner's obligation to comply with Applicable Laws with respect to the Improvements (3) Waiver. Owner hereby waives, releases and discharges forever Indemnitees from any and all present and future Claims arising out of or in any way connected with Owner's obligation to comply with Applicable Laws with respect to the Improvements including Public Contracts Code requirements. Owner is aware of and 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 or her favor at the time of executing the release, which if known by him or her must have materially affected his or her settlement with the debtor. As such relates to this Section E, Owner hereby waives and relinquishes all rights and benefits that it may have under California Civil Code section 1542. The obligations of Owner under this Section E shall survive the expiration or other termination of this Covenant. F. Taxes and Assessments. Owner shall pay prior to delinquency all ad valorem real estate taxes and assessments on the Project or any portion thereof, subject to Owner's right to contest in good faith any such taxes. Owner shall remove or have removed any such levy or attachment, or assure the satisfaction thereof within 30 days following the date of attachment or levy. G. Project Sign. At Commission's sole discretion, Commission may require Owner to place and maintain on the Site, during construction, a sign indicating the respective roles of Developer, Owner, the City and Commission in the Project. 1005028v4C 80078/0022 14 H. Liens and Stop Notices. If a claim of a lien or stop notice is given or recorded affecting the Project, Owner shall, within 30 days of such recording or service: (a) pay and discharge the same, or (b) affect the release thereof by recording a surety bond in sufficient form and amount. After Owner has had written notice and has failed after a reasonable time, but in any event not after more than 60 days, to challenge, cure, adequately bond against, or satisfy any liens or encumbrances which are not otherwise permitted under the Agreement or this Covenant, Commission shall have the right, but not the obligation, to satisfy any such liens or encumbrances without further notice to Developer or Owner. In such event Developer and Owner shall be liable for, and Commission shall be entitled to, reimbursement by Developer and /or Owner for such paid lien or encumbrance. Certificate of Completion. (1) Partial Certificate of Completion. Following completion of the Commission Work in accordance with the Agreement or this Covenant by the Completion Date, Commission shall furnish Developer and Owner with a "Partial Certificate of Completion" substantially in the form of Exhibit D attached hereto. Commission shall not unreasonably withhold, condition or delay such Partial Certificate of Completion. The Partial Certificate of Completion shall be issued so long as Owner has completed the Commission Work, even if Owner has not completed the Path Improvements. The Partial Certificate of Completion shall be, and shall state that it is conclusive determination of satisfactory completion of the Commission Work required by the Agreement and this Covenant. The Partial Certificate of Completion shall not constitute evidence of compliance with or satisfaction of any obligation of Developer or Owner to any holder of any mortgage, or any insurer of a mortgage securing money loaned to finance Improvements, the Project, or any part thereof. The Partial Certificate of Completion is not a notice of completion as referred to in California Civil Code section 3093. (2) Final Certificate of Completion. Following completion of all of the Improvements (i.e. both the Commission Work and Path Improvements) in accordance with the Agreement and this Covenant by the Completion Date, Commission shall furnish Developer and Owner with a "Final Certificate of Completion" substantially'in the form of Exhibit D attached hereto. Commission shall not unreasonably withhold, condition or delay such Final Certificate of Completion. The Final Certificate of Completion shall be, and shall state that it is, conclusive determination of satisfactory completion of all of the Improvements required by the Agreement and this Covenant. The Final Certificate of Completion shall not constitute evidence of compliance with or satisfaction of any obligation of Developer or Owner to any holder of any mortgage, or any insurer of a mortgage securing money loaned to finance Improvements, the Project, or any part thereof. The Final Certificate of Completion is not a notice of completion as referred to in California Civil Code section 3093. J. Mortgage, Deed of Trust, Sale and Lease -Back Financing. (1) No Encumbrances Except Senior Financing. Mortgages and deeds of trust are permitted, but only for the purpose of securing the Senior Financing. Owner covenants and agrees, on behalf of itself, and its successors and assigns, that it shall not enter into any conveyance or other financing arrangement, increase the principal amount of the Senior Financing, or allow other liens or encumbrances against the Project or any portion thereof, without the prior written approval of Commission's Executive Director, which approval shall not be unreasonably withheld, conditioned or delayed. Owner shall notify Commission in advance of any proposed mortgage or deed of trust. The words "mortgage" and "deed of trust" as used hereinafter shall include sale and lease -back financing. (2) Notice of Default to Mortgagee or Deed of Trust Holders, Right to Cure. With respect to any mortgage or deed of trust granted by Developer or Owner as provided herein, whenever 1005028v4C 80078/0022 15 Commission shall deliver any notice or demand to Owner with respect to any breach or default by Owner or Developer hereunder, Commission shall at the same time deliver to each holder of record of any mortgage or deed of trust authorized by this Agreement and superior to the Commission Deed of Trust or the Covenant ( "Mortgagee "), a copy of such notice or demand, provided that Owner has given Commission prior written notice of the name and notice address of such holders of record. No notice of default shall be effective as to the holder unless such notice is given. Each such holder shall (insofar as the rights of Commission are concerned) have the right, at its option, within 60 days after the receipt of the notice, to cure or remedy or commence to cure or remedy any such default and to add the cost thereof to the mortgage debt and the lien of its mortgage. Nothing in this Covenant shall be deemed to permit or authorize such holder to undertake or continue the construction or completion of the Improvements (beyond the extent necessary to conserve or protect the Improvements or construction already made) without first having expressly assumed Developer's obligations to Commission by written agreement satisfactory to Commission. (3) Right to Cure Mortgage or Deed 6f Trust Default. Each City and Commission shall have the right to record a request for notice of default in a form satisfactory to them in each of their sole discretion. If a mortgage or deed of trust default or breach by Owner prior to the completion of the Improvements occurs, and the holder of any mortgage or deed of trust has not exercised its option to cure the default, Commission or City may cure the default, without acceleration of the subject loan, following prior notice thereof to Owner. In such event, Owner shall be liable for, and Commission or City, as applicable, hall be entitled to reimbursement from Owner of, all costs and expenses associated with and attributable to the curing of the mortgage or deed of trust default or breach of this Covenant by Owner and incurred by Commission or City in curing such default. Each Commission and City shall also be entitled to record a lien against the Site and /or Project to the extent of such incurred costs and disbursements. If the ownership of the Project or any portion thereof has vested in the holder, Commission, or City, if either so desires, may elect to purchase the Project from the holder upon mutually acceptable terms. Owner shall ensure that any mortgage or deed of trust granted by any holder, Developer or Owner contains provisions reflecting the terms and conditions of this Section J. K. Records and Reporting Obligations. Owner covenants and agrees, on behalf of itself and its successors and assigns, that, in connection with the construction, ownership and operation of the Project, it shall keep full and accurate books of accounts and records, and comply with reporting requirements, as required by and described in this Covenant. L. Path Improvements. No later than 60 days after completion of the Commission Work, Owner shall demolish, reconstruct and /or repair, as applicable, a walking path segment on City property adjacent to the Project together with access thereto through the Project for use by the Project residents (collectively, "Path Improvements ") provided that such Path Improvements will not cost more than $5,000. The Path Improvements are set forth in the Scope of Work. All or a portion of such Path Improvements are in addition to the Commission Work, whether required through conditions of approval or otherwise, imposed by the City or other agencies or authorities having jurisdiction over the Site and /or Project. Commission may agree (but is not obligated) to reimburse Owner up to $5,000 for improvements to public property out of Commission general (not housing) funds. The Path Improvements shall be completed within 270 days after commencement of such work, but no later than 365 days after the Date of Agreement. (1) Prevailing Wages. The Path Improvements are subject to Prevailing Wage Law. As such, Owner shall comply and cause its Owner's contractors and subcontractors to comply Prevailing Wage Law with regard to the Path Improvements. Notwithstanding anything to the contrary contained herein, nothing in this Agreement shall be construed as imposing any independent prevailing wage requirements that are different from those imposed by applicable federal or state law. 1005028v4C 80078/0022 16 (a) Owner shall defend, indemnify and hold harmless Indemnitees from and against any and all Claims, arising out of or in any way connected with Developer's or Owner's obligation to comply with Applicable Laws with respect to the Path Improvements and Prevailing Wage Law, including all Claims that may be made by contractors, subcontractors or other third -party claimants pursuant to the California Labor Code, including sections 1726 and 1781, as amended and added by Senate Bill 966. (b) Owner hereby waives, releases and discharges forever the Indemnitees from any and all present and future Claims arising out of or in any way connected with Developer's or Owner's obligation to comply with Applicable Laws with respect to the Path Improvements. Owner is aware of and 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 or her favor at the time of executing the release, which if known by him or her must have materially affected his or her settlement with the debtor. As such relates to this Section L, Owner hereby waives and relinquishes all rights and benefits which it may have under California Civil Code section 1542. The obligations of Owner under this Section L shall survive the expiration or other termination of this Agreement. M. Greenhouse Gas Credits. Any and all emissions credits, greenhouse gas credits, carbon credits, pollution credits, green tags, environmental credits, renewable energy certificates, and other similar credits and allowances (including but not limited to those governed by California's AB 32, the Regional Greenhouse Gas Initiative, the Kyoto Protocol, the Montreal Protocol, and similar programs) generated or receivable by or allocable to the Commission Work or Project (individually and collectively, "Credits ") shall belong to the City. As such, Owner for itself and on behalf of its partners, parents, subsidiaries, affiliates, managers, successors and assigns (individually and collectively, "Owner Parties "), hereby assigns the Credits to the City, and the City accepts each such assignment. Owner Parties shall cooperate with the City in the licensing, sale, trading and /or other transferor use of such Credits, at no cost to the City, and in accordance w. ith Section 21 below. 17. INSURANCE. Owner shall take out and maintain or shall cause its contractor to take out and maintain throughout the term of this Covenant, insurance coverage as follows: A. Comprehensive or Commercial General Liability Insurance. Comprehensive or Commercial General Liability Insurance, at least as broad as Insurance Services Office Commercial General Liability coverage (occurrence form CG 0001), in an amount of One Million Dollars ($1,000,000.00) per occurrence, or such• other policy limit as Commission may approve at its discretion, including contractual liability, as shall protect Owner, the City and Commission from claims for such damages. Such policy or policies shall be written on an occurrence form, and shall include a vandalism and malicious mischief endorsement and such other endorsements as Commission may reasonably require. If work involves explosive, underground or collapse risks, XCU must be included. If a general aggregate limit is used, either the general aggregate limit shall apply separately to this Project or the general aggregate shall be twice the required occurrence limit. Said policy shall contain, or be endorsed with, the following provisions: (1) The City, Commission, and their respective officers, agents, employees, volunteers, and representatives, are covered as additional insureds, to the extent of Owner's negligence, for liability arising out of the operations performed by or on behalf of Owner. The coverage shall contain no special limitations on the scope of protection afforded to the City, Commission, and their respective officers, agents, employees, volunteers, and representatives.. 1005028v4C 80078/0022 17 (2) The policy shall not be canceled or materially reduced in coverage without 30 days' prior written notice (10 days for non - payment of premium) to Commission and the City by certified mail. (3) The inclusion of more than one insured shall not operate to impair the rights of one insured against another insured, and the coverage afforded shall apply as though separate policies had been issued to each insured, but the inclusion of more than one insured shall not operate to increase the limits of the insurer's liability. (4) For Claims related to the Project, Owner's insurance is primary coverage to Commission and the City, and any insurance or self - insurance programs maintained by Commission or the City is excess to Owner's insurance and will not be called upon to contribute with it. (5) Any failure to comply with reporting or other provisions of the parties, including breach of warranties, shall not affect coverage provided to the City, Commission, and their respective officers, agents, employees, volunteers, and representatives. B. Comprehensive Automobile Liability Insurance. Comprehensive automobile liability insurance with coverage at least as broad as ISO Form numbers CA 0001 06 92, Code 1 (any auto), for vehicles used in the performance of this Agreement with minimum coverage of not less than One Million Dollars ($1,000,000.00) per accident combined single limit (CSL). Such policy shall contain or be endorsed with the provision that coverage shall not be canceled or materially reduced in coverage without 30 days' prior written notice (10 days for non - payment of premium) to Commission and the City by certified mail. C_ Combined Single -Limit Building's All -Risk Insurance. Combined single limit, and building's all -risk insurance in an amount not less than the full insurable value of the Improvements on a replacement cost basis together with vandalism and malicious mischief endorsement and such other endorsements as Commission may reasonably require, and shall furnish or cause to be furnished to Commission evidence satisfactory to Commission that Owner and any contractor with whom it has contracted for the performance of work contemplated under this Covenant, whether on or off the Site, the Path Improvements, or otherwise pursuant to this Covenant, carries Workers' Compensation insurance as required by law. D. Workers' Compensation Insurance. Workers' Compensation insurance meeting statutory limits of applicable Labor Code provisions, which policy shall contain or be endorsed to contain a waiver of subrogation against the City, Commission, and their respective officers, agents, employees, volunteers, and representatives, and provide for 30 days' prior written notice to Commission and the City by certified mail in the event of cancellation. If Owner has no employees, Owner may sign and file the following certification in lieu of insurance: 1 am aware of the provisions of California Labor Code section 3700 which requiress every employer to be insured against Iiabilityfor workers' compensation or to undertake self-insurance in accordance with the provisions of that code, and I will comply with the provisions of that code before commencing with and during the performance of the work of this contract. E. Certificate of Insurance. Companies writing the insurance required hereunder shall be licensed to do business in the State of California. Insurance is to be placed with insurers with a current A.M. Best's rating of no less than A -. Owner shall furnish a notarized certificate of insurance countersigned by an authorized agent of the insurance carrier on a form reasonably approved by Commission setting forth the .general provisions of the insurance coverage. This countersigned certificate shall name the City, Commission, and their respective officers, agents, employees, volunteers, and representatives as additionally insured parties under the policies required hereunder, and any certificates shall be accompanied by a duly 10050280C 80078/0022 18 executed endorsement evidencing such additional insured status. The certificate and endorsements by the insurance carrier shall contain a statement of obligation on the part of the carrier to notify the City and Commission of any material change, cancellation or termination of the coverage at least 30 days in advance of the effective date of any such material change, cancellation or termination (10 days for non - payment of premium). Coverage provided hereunder by Owner shall be primary insurance and shall not be contributing with any insurance, self - insurance or joint self - insurance maintained by Commission or the City, and the policy shall contain such an endorsement. The insurance policy or the endorsement shall contain a waiver of subrogation for the benefit of the City and Commission: Owner or its contractor shall furnish the required cert ificate to Commission before commencing performance of the Commission Work. 18. NOTICE. Any notice required to be provided in this Covenant shall be given in writing and shall be sent: (a) for personal delivery by a delivery service that provides a record of the date of delivery, the individual to whom delivery was made, and the address where delivery was made; (b) by first -class certified United States mail, postage prepaid, return receipt requested; (c) by a nationally recognized overnight courier service, marked for next day business deliveryy; or (d) sent by facsimile (immediately followed by one of the preceding methods). All notices shall be addressed to the party to whom such notice is to be given at the property address stated in this Covenant onto such other address as a party may designate by written notice to the other. All notices shall be deemed effective on the earliest of (a) actual receipt; (b) rejection of delivery; (c) if sent by certified mail, the third day on which regular United States mail delivery service is provided after the day of mailing; or (d) if sent by overnight delivery service, on the next day on which such service makes next - business -day deliveries after the day of sending. To Commission: Community Development Commission of the City of Rohnert Park 6750 Commerce Boulevard Rohnert Park, California 94928 Attention: Executive Director Telephone: (707) 588 -2227 Facsimile: (707) 588 -2274 To the City: City of Rohnert Park 6750 Commerce Boulevard Rohnert Park, California 94928 Attention: City Manager Telephone: (707) 588 -2227 Facsimile: (707) 588 -2274 With a copy to: City of Rohnert Park 6750 Commerce Boulevard Rohnert Park, California 94928 Attention: City Attorney Telephone: (707) 588 -2227 Facsimile: (707) 588 -2274 To Owner: TRG- Copeland, LP 556 Commercial Street, Suite 300 San Francisco, California 94111 Attention: Joseph Sherman Telephone: (415) 788 -0700 Facsimile: (415) 788 -0435 1005028v4C 80078/0022 19 With a copy to: Cox, Castle & Nicholson LLP 555 California Street, Tenth Floor San Francisco, California 94I04 Attention: Stephen Ryan, Esq. Telephone: (415) 262 -5150 Facsimile: (415) 392 -4250 And a copy to: Centerline Capital Group Inc. 625 Madison Avenue New York, New York 10022 Attention: Andrew J. Weil Telephone: (212) Facsimile: (212) _- 19. ATTORNEYS' FEES. In any action or proceeding which either party brings against the other to enforce its rights hereunder, the unsuccessful party shall pay all costs incurred by the prevailing party, including reasonable attorneys' fees, which amounts shall be a part of the judgment in said action or proceeding. 20. RELATIONSHIP BETWEEN COMMISSION AND OWNER THE CITY AND OWNER. It is hereby acknowledged that the relationship between Commission and Owner, or the City and Owner, is not that of a partnership or joint venture and that Commission and Owner, or the City and Owner, shall not be deemed or construed for any purpose to be the agent of the other. Accordingly, except as expressly provided in the Agreement, this Covenant, or the Development Agreement, neither Commission nor the City shall have any rights, powers, duties or obligations with respect to the development, operation, maintenance or management of the Site or the Project. 21. COMMISSION AND CITY APPROVALS AND ACTIONS. Whenever a reference is made herein to an action or approval to be undertaken by Commission, the Executive Director of Commission or his or her designee is authorized to act on behalf of Commission unless specifically provided otherwise or the context should require otherwise. Whenever a reference is made herein to-an action or approval to be undertaken by the City, the City Manager of the City or his or her designee is authorized to act on behalf of the City unless specifically provided otherwise or the context should require otherwise. The City Manager and Executive Director shall have the authority to issue waivers and/or enter into amendments to this Covenant on behalf of the Commission and the City so long as such actions do not materially or substantially change the terms of this Covenant and such waivers and /or amendments may include extensions of time to perform obligations hereunder. Any other material or substantive waivers of or amendments to this Covenant shall require the consideration, action and written consent of the City and Commission. 22. MISCELLANEOUS. Each party agrees to cooperate with the other in this transaction and, in that regard, shall execute any and all documents which may be reasonably necessary, helpful, or appropriate to carry out the purposes and intent of this Covenant including releases or additional agreements. This Covenant may be signed in multiple counterparts which, when signed by all parties, shall constitute a binding agreement. The word "including" shall be construed as if followed by the words "without limitation." All exhibits and attachments hereto are incorporated by reference as though fully restated herein. This Covenant shall be interpreted as though prepared jointly by both parties. This Covenant shall be construed in accordance with and be governed by the laws of the State of California. If any provision of this Covenant shall be invalid, illegal or unenforceable, the validity, legality and enforceability of the remaining provisions hereof shall,not in any way be affected or impaired thereby. Capitalized .terms not otherwise defined herein shall have the meaning ascribed to such terms in the Agreement. All waivers by and indemnity obligations of Owner contained in this Covenant shall survive the expiration or other termination of this Agreement. All indemnity obligations contained in this Covenant expressly exclude Claims to the extent caused by City's or Commission's sole or active negligence or willful misconduct. A waiver by either party of a breach of any of 1005028v4C 80078/0022 20 the covenants, conditions or agreements hereunder to be performed by the other party shall not be construed as a waiver of any succeeding breach of the same or other covenants, agreements, restrictions or conditions hereof. No waiver by the City or Commission of any of the condition hereof s shall be effective unless in a writing expressly identifying the scope of the waiver and signed by the waiving entity. Any alteration, change or modification of or to this Covenant, in order to become effective, shall be made in writing and in each instance signed on behalf of each party hereto. 1005028v4C 80078/0022 21 IN WITNESS WHEREOF, Commission, the City and Owner have caused this Covenant to be executed on their behalf by their respective officers thereunto duly authorized. Dated for reference purposes only as of.,:. ,. 200 TRG- COPELAND CREEK, LP, a California limited partnership By: Rainbow- Copeland Creek, LLC, a California limited liability company, its Managing General Partner Dated: By: Rainbow Housing Assistance Corporation, a California nonprofit public benefit corporation, its Sole Member Flynann Janisse, Executive Director By: Gung Ho- Copeland Creek, LLC, a California limited liability company, its Co- General Partner By: Gung Ho Partners, LLC, a Delaware limited liability company, acting with respect to its series 13, its Sole Member By: Fidelity Partners, Inc., a California corporation, its Managing Member By: Joseph L. Sherman, President • IN t [Signatures must be notarized] [Signatures continue on next page] 1005028AC 80078/0022 22 COMMUNITY DEVELOPMENT COMMISSION OF THE CITY OF ROHNERT PARK, a public body corporate and politic Dated: By: Its: "COMMISSION" [Signature must be notarized] ATTEST: Commission Secretary APPROVED AS TO FORM: Commission General Counsel Dated: THE CITY OF ROHNERT PARK, a California municipal corporation By: [Signature must be notarized] ATTEST: City Clerk APPROVED AS TO FORM: City Attorney 1005028v4C 80078/0022 23 "CITY" Exhibit A LEGAL DESCRIPTION OF SITE 1005028AC 80078/0022 Exhibit B PROJECT STATUS REPORT 1005028v4C 80078/0022 C C No An N'T 13 6 Ix� 't 0 t .5 cj 3 .. a� s y II o � 0. p C� pI 0 I I ry tt * iz 7r IS�r 1 � � d '7. ZF '� ;.}�' � �' 'S �Ltm t li' 911,11 �3� m a �y im �c ogm l. m OA t o a ° t v 2£S YY,� rry� 4 .E D S Z T•.,\ § 1 'vl/.y ii R ar*i V SF� xC � 4y^hi'.. 'ta i• 5� vn 1 Lr .x r 7^�'�fC 1 V•i f rn * {J�,5' 4i t 2 e'rl "'F`° y X `. �Gimd- ��r�ds �s� �'x.3� b �a� �� ���5�,•> 'S ��`�a2Rj'S.. " § .•§�.+x� � X c. S' I�~ a S�'^� xG%ktT`r?' ;tsi �-'�r is�if(Dp u F.�s,a wid t�a ¢". rs ..C`c'r„'� ,+�„ri i�'��7, �S��pS,A: � A � "' `.^r -'c �' � ¢Y'���ii `k �� �!'i^' ✓�"��� \� i .t.•..:��es. � s.°t. �`,.u._. ��F'.rk� . `ati -'..f e ,�� �� 7��C��a� .vu^�.��FC'"S�'a.�.rti�?� •. .. 'ms's _D ,",5.gi t+y5• o� :.L $_ vJ 6t � yf � F: 's�� ppgi -� � @I 6 ... _ .. 1005028v4C 80078/0022 Exhibit C SCOPE OF WORK 1005028v4C 80078/0022 Exhibit D CERTIFICATE OF COMPLETION RECORDING REQUESTED BY ) AND WHEN RECORDED MAIL TO: ) } Community Development Commission } of the City of Rohnert Park ) 6750 Commerce Boulevard ) Rohnert Park, California 94928 } Attention: Executive Director ) This document is exempt from the payment of a recording fee pursuant to Government Code § 27383. [PARTiAL/FINALj CERTIFICATE OF COMPLETION OF CONSTRUCTION AND IMPROVEMENTS THIS jPARTIALIHWAW. CERTIFICATE OF COMPLETION OF CONSTRUCTION AND IMPROVEMENTS ("[P: 11 If Certificate of Completion ") is made by the COMMUNITY DEVELOPMENT COMMISSION OF THE CITY OF ROHNERT PARK, a public body corporate and politic ( "Commission "), in favor of TRG- COPELAND CREEK, LP, a California limited partnership ( "Owner "), as of the date set forth below. RECITALS A. Commission and Rainbow — Copeland Creek, LLC ( "Developer ") have entered into that certain Affordable Housing and Loan Agreement dated ' , 2007, including all Attachments thereto ( "Agreement ") concerning that certain real property and improvements thereon situated in the City of Rohnert Park, California, as more fully described in Exhibit "A" attached hereto and made a part hereof ( "Site "). B. As referenced in Section 209 of the Agreement, Commission is required to furnish Developer or Owner or its successors with a [Partial/Final] Cert>fcate of Completion upan completion o% constructiori,of the [Commission Work (for Partial Certif'icate)/Iriprovements (for Foal Certificate)], which [partallFinal] Certificate of Completion is required to be in such form as to permit it to be recorded in the Recorder's Office of Sonoma County. This [PartialiFinal] Certificate of Completion is conclusive determination of satisfactory completion of the [Gommiss�on WorWlmprovemerts] as required by the Agreement. NOW, THEREFORE, Commission hereby certifies as follows: I . Owner has fully and satisfactorily completed the conformance with the Agreement. in 2. All use, maintenance, operation, nondiscrimination and other covenants contained in the Commission Documents shall remain in effect and enforceable according to their terms. 3. This (10,40 l/Final1 Certificate of Completion shall not be deemed or construed to constitute evidence of compliance with or satisfaction of j(f Partial - Certificate} tliePath Improvement ar] any obligation of Developer to any holder of a mortgage, or any insurer of a mortgage, securing money loaned to 1005028v4C 80078/0022 Developer in connection with the Project or any portion thereof. This [eaAWWJ Certificate of Completion is not a notice of completion as referred to in California Civil Code section 3093. IN WITNESS WHEREOF, Commission has executed this [katal/Finalj Certificate of Completion this day of 200_ COMMUNITY DEVELOPMENT COMMISSION OF THE CITY OF ROHNERT PARK, a public body corporate and politic 0 Its: ATTEST: Commission Secretary APPROVED AS TO FORM: General Counsel 1005028v4C 80078/0022 /Signature must be notarized/ "COMMISSION" STATE OF CALIFORNIA ) ) ss. COUNTY OF ) On , 20 , before me, (here insert name and title of the officer), personally appeared , personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose name(s) is /are subscribed to the within instrument and acknowledged to me that he /she /they executed the same in his /her /their authorized capacity(ies), and that by his /her /their signature(s) on the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument. WITNESS my hand and official seal. Signature 1005028v4C 80078/0022 RECORDING REQUESTED BY AND WHEN RECORDED MAIL TO: Community Development. Commission of the City of Rohnert Park 6750 Commerce Boulevard Rohnert Park, California 94928 Attention: Executive Director Attachment No. 3 This document is exempt from the payment of a recording fee pursuant to Government Code §27383. MEMORANDUM OF AFFORDABLE HOUSING AND LOAN AGREEMENT THIS MEMORANDUM OF AFFORDABLE HOUSING AND LOAN AGREEMENT ( "Memorandum "), dated for identification purposes as of , 200:: is entered into by and between the COMMUNITY DEVELOPMENT COMMISSION OF THE CITY OF ROHNERT PARK, a public body, corporate and politic ( "Commission "), the CITY OF ROHNERT PARK, a California municipal corporation ( "City ") (in connection with the Development Agreement only), and RAINBOW - COPELAND CREEK, LLC, a California limited liability company ("Developer"), 1. Affordable Housing and Loan Agreement. Commission, the City and Developer have executed that certain Affordable Housing and Loan Agreement dated , 2007, including all Attachments thereto ( "Agreement") which provides, among other things, for (i) Commission's loan of certain Commission Assistance to Developer for purposes stated in the Agreement, (ii) Developer to cause Owner to maintain and operate on the Site a 171 -unit permanent affordable housing rental complex affordable to senior households with incomes up to 80% of median area income; (iii) Owner to use, operate and maintain the Project, including the Affordable Units, in accordance with the terms of the Agreement and the Affordable Housing and Maintenance Covenant dated for identification purposes as of . 2007 ( "Covenant ") recorded against the Site which provides, among other things, for affordable housing and maintenance requirements and transfer restrictions, (iv) extension of the duration of that certain Development Agreement by and between the City of Rohnert Park and Glenn H. Larson and Jack Yanoff, Owner's predecessors -in- interest, dated December It, 1985, as amended by that certain Compliance Agreement dated October 26, 1996, that certain Second Compliance Agreement dated April 26, 1999, and that certain Third Compliance Agreement dated April 22, 2003, all by. and between the City and Owner's predecessors -in- interest (collectively, "Development Agreement ") to be coterminous with the 55 -year period as set forth in Covenant Section 7 and amend the requirements for units to be held vacant for Qualifying Residents (as defined in the Development Agreement), and (v) addition of Commission as a third -party beneficiary of the Development Agreement. The Development Agreement and the Agreement are available for public inspection and copying at the office of the City Clerk, City of Rohnert Park City Hall, 6750 Commerce Boulevard, Rohnert Park, California 94928. All of the terms, conditions, provisions and covenants of the Agreement are incorporated in this Memorandum by reference as though written out at length herein, and the Agreement and this Memorandum shall be deemed to constitute a single instrument or document. Capitalized terms not otherwise defined herein shall have -the meanings ascribed to such terms in the Agreement. 2. Development Agreement The Development Agreement has been modified as set forth in the Agreement and the Covenant, including an extension coterminous with the 55 -year period as set forth in 1005028v4C 80078/0022 Covenant Section 7, and addition of Commission as an express third -party beneficiary thereof. Owner and the City also hereby agree that Section E of Exhibit D of the Development Agreement is amended to state that if there are eight units or more vacant on the Project, Owner may immediately rent such units to tenants that are not Qualifying Residents until the vacancy at the Project is reduced to less than eight units. When the vacancy at the Project is less than eight units, any vacated units shall be made available to Qualifying Residents (as defined in the Development Agreement) for a period of 120 days, rather than a period of 30 days before Owner shall be permitted to rent the vacant units to tenants that are not Qualifying Residents. Notwithstanding anything to the contrary in the Commission Documents, the Performance Documents, the Subordinate Indebtedness;. the Subordination Agreement, or in any other subordination agreements, the terms and conditions of the Development Agreement shall remain superior to any Senior Financing and Senior Financing Documents, and only the modifications thereof pursuant to this Agreement can be construed to be junior obligations, liens or encumbrances. 3. Purpose of Memorandum. This Memorandum is prepared for recordation purposes only, and in no way modifies the terms, conditions, provisions and covenants of the Agreement or the Development Agreement. In the event of any inconsistency between the terms, conditions, provisions and covenants of this Memorandum and the Agreement orthe Development Agreement, the terms, conditions, provisions and covenants of the Agreement or the Development Agreement, as applicable, shall prevail. The parties have executed this Memorandum on the dates specified immediately adjacent to their respective signatures. Dated: 1005028v4C 80078/0022 RAINBOW - COPELAND CREEK, LLC, a California limited liability company, By: Rainbow Housing Assistance Corporation, a California nonprofit public benefit corporation, its Sole Member By: Flynann Janisse, Executive Director [Signatures continue on next page) "DEVELOPER" [Signatures must be notarized] COMMUNITY DEVELOPMENT COMMISSION OF THE CITY OF ROHNERT PARK, a public body, corporate and politic By: Its: ATTEST: Commission Secretary APPROVED AS TO FORM: Commission General Counsel "COMMISSION /Signature must be notarized% THE CITY OF ROHNERT PARK, a California municipal corporation Dated: By: [Signature must be notarized] ATTEST: City Clerk APPROVED AS TO FORM: City Attorney 1005028v4C 80078/0022 "CITY" Exhibit A LEGAL DESCRIPTION OF SITE 1005028AC 80078/0022 Order Number: NCS- 290963 -CC Page Number: 8 LEGAL DESCRIPTION Real property in the City of Rohnert Park, County of Sonoma, State of California, described as follows: PARCEL ONE: PARCEL 1, AS SHOWN AND DESIGNATED UPON CITY OF ROHNERT PARK, PARCEL MAP NO. 104, FILED FOR RECORD IN THE OFFICE OF THE SONOMA COUNTY RECORDER ON AUGUST 05, 1986 IN BOOK 388 OF MAPS, PAGES 1 AND 2, SONOMA COUNTY RECORDS. PARCEL TWO: AN EASEMENT FOR PRIVATE PARKING, ACCESS AND UTILITIES OVER PARCEL 2, AS SHOWN AND DESIGNATED UPON CITY OF ROHNERT PARK, PARCEL MAP NO. 104, FILED FOR RECORD IN THE OFFICE OF THE SONOMA COUNTY RECORDER ON AUGUST 05, 1986 IN BOOK 388 OF MAPS, PAGES 1 AND 2, SONOMA COUNTY RECORDS. PARCEL THREE: AN EASEMENT OVER THAT PORTION OF LAND DESIGNATED AS "PARKING EASEMENT A" OVER PARCEL 2, AS SHOWN AND DESIGNATED UPON CITY OF ROHNERT PARK, PARCEL MAP NO. 104, FILED FOR RECORD IN THE OFFICE OF THE SONOMA COUNTY RECORDER ON AUGUST 05, 1986 IN BOOK 388 OF MAPS, PAGES 1 AND 2, SONOMA COUNTY RECORDS. PARCEL FOUR: AN EASEMENT OVER THAT PORTION OF LAND DESIGNATED AS "PARKING EASEMENT B" OVER PARCEL 2, AS SHOWN AND DESIGNATED UPON CITY OF ROHNERT PARK, PARCEL MAP NO. 104, FILED FOR RECORD IN THE OFFICE OF THE SONOMA COUNTY RECORDER ON AUGUST 05, 1986 IN BOOK 388 OF MAPS, PAGES 1 AND 2, SONOMA COUNTY RECORDS. PARCEL FIVE: PARCEL 2, AS SHOWN AND DESIGNATED UPON CITY OF ROHNERT PARK, PARCEL MAP NO, 104, FILED FOR RECORD IN THE OFFICE OF THE SONOMA COUNTY RECORDER ON AUGUST 05, 1986 IN BOOK 388 OF MAPS, PAGES 1 AND 2, SONOMA COUNTY RECORDS. APN: 143- 061 -066 (Affects: Parcel One) and 143 - 061 -067 (Affects: Parcel Five) First American TWe Insurance Company State of California County of ) ss. } On before me, (insert name and title of the officer), personally appeared , personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose name(s) is /are subscribed to the within instrument and acknowledged to me that he /she /they executed the same in his/her /their authorized capacity(ies), and that by his/her /their signature(s) on the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument. WITNESS my hand and official seal. Signature State of California ) ) ss. County of ) On before me, (insert name and title of the officer), personally appeared personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he /she /they executed the same in his /her /their authorized capacity(ies), and that by his /her /their signature(s) on the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument. WITNESS my hand and official seal. Signature 1005028AC 80078/0022 Attachment No. 4 PROMISSORY NOTE (COMMISSION ASSISTANCE) Not to Exceed $1 ,200,000 2007 Rohnert Park, California FOR VALUE RECEIVED, RAINBOW -- COPELAND CREEK, LLC, a California limited liability company ( "Borrower "), having an address of 34975 N. North Valley Parkway, Suite 152, Phoenix, AZ 85086, hereby promises to pay COMMUNITY DEVELOPMENT COMMISSION OF THE CITY OF ROHNERT PARK ( "Lender "), the principal sum not to exceed One Million, Two Hundred Thousand Dollars ($1,200,000), pursuant to the terms and conditions set forth below. All capitalized terms not defined herein shall have the meaning as defined in the Agreement. 1. Promise to Pay. This promissory note ( "Commission Note ") is made pursuant to that certain Affordable Housing and Loan Agreement dated 2007, between Borrower as Developer and Lender as Commission including all Attachments thereto ( "Agreement "). This is a promissory note for the repayment to Lender of financial assistance provided to Borrower in order to enable Developer to perform and /or cause TRG- Copeland Creek, LP ( "Owner ") to perform certain work on that certain real property as described in the Agreement ( "Site "). 2. Secured by Commission Deed of Trust. Payment of this Commission Note is secured by a pledge of a deed of trust, assignment of rents, security agreement and fixture filing and addendum thereto (collectively "Commission Deed of Trust ") from Owner to Lender and recorded against the Site. 3. Purpose. Pursuant to the Agreement, Developer will cause Owner to perform certain work and maintain a 171 -unit permanent affordable rent senior housing complex. The Commission Assistance shall be used only for those purposes and subject to the terms and conditions set forth in the Agreement. 4. Conditions. Subject to the Conditions Precedent set forth in the Agreement, Commission agrees to loan to Developer an amount maximum loan of $1,200,000 ( "Commission Assistance "). No portion of the Commission Assistance shall be utilized for ineligible costs as set forth in California Health & Safety Code section 33334.2(e). All disbursements shall be held by Developer in trust and applied solely for the purposes for which the funds have been disbursed as set forth in the Agreement. Commission is not obligated to monitor or determine Owner's use or application of the disbursements. 5. Interest. Simple interest on the unpaid principal balance will accrue from the date of advance at an annual rate equal to one percent. Lender's Conditions Precedent to Disbursement are as set forth in the Agreement. In no event or contingency, whether because of the advancement of the proceeds of this Commission Note, acceleration of maturity of the unpaid principal balance, or otherwise, shall the amount paid or agreed to be paid to Lender for the use, forbearance, or retention of the money to be advanced under this Commission Note exceed the highest lawful rate permissible under applicable usury laws. 6. Method of Calculating Interest. Interest shall be computed based on a 360 -day year and the actual number of days elapsed. Interest computed based on a 360 -day year is greater than interest computed based on a 365 -day year. 7. Payment of Principal and Interest; Maturity Date. So long as Borrower is not in Default under the Commission Documents, then payments of both principal and interest under this Commission Note 1005028v4C 80078/0022, shall be deferred until 55 years from the date of the first disbursement hereunder ( "Maturity Date "). The parties shall mutually acknowledge the Maturity Date in writing. If Borrower is not in Default under the Commission Documents as of the Maturity Date, then the principal and interest due under the Commission Note shall be forgiven. Notwithstanding the foregoing if Borrower is in Default under any of the Commission Documents Commission may elect to declare the entire indebtedness evidenced by this Commission Note including but not limited to all accrued but unpaid interest hereunder, be due and payable in full on the Maturity Date. Borrower may prepay this Note at any time without prepayment penalty or premium. 8. Payment Method and Application. Payment shall be made in lawful money of the United States to Lender c/o Community Development Commission of the City of Rohnert Park, Attention: Finance Director, 6750 Commerce Boulevard, Rohnert Park, California 94928. The place of payment may be changed from time to time as the Lender may from time to time designate in writing. Checks constitute payment only when collected. Each payment under this Commission Note shall be credited in the following order: (a) costs, fees, charges, and advances paid or incurred by Lender or payable to Lender and interest under any provision of this Commission Note or the Commission Deed of Trust, in such order as Lender, in its sole and absolute discretion, elects; (b) interest payable under the Commission Note; and (c) principal under the Commission Note. All prepayments of principal under this Commission Note shall be applied to the most remote principal installment then unpaid. 9. Default. The occurrence of any of the following shall at Lender's option constitute a "Default" under this Commission Note: (i) Borrower fails to pay any amount due hereunder within 15 days of its due date; (ii) any default by Borrower under the Commission Documents, subject to any applicable cure periods provided therein; (iii) any default by Borrower as to any other loan or loans by Lender to Borrower, or (iv) if Borrower assigns this Commission Note or any proceeds of it, or assigns or delegates any of Borrower's rights or obligations under this Commission Note, except as provided in the Agreement. If a Default occurs, Lender may exercise any right or remedy which it has under any of the Commission Documents, or which is otherwise available at law or in equity or by statute, and all of Lender's rights and remedies shall be cumulative. 10. Acceleration. At the option of Lender and without notice, the entire unpaid principal and interest owing on this Commission Note shall become immediately due and payable at or any time after the following events: (i) if all or any part of the Project, or any interest therein, or any beneficial interest in Borrower is sold, transferred, mortgaged, assigned, pledged, or further encumbered, whether directly or indirectly, whether voluntarily or involuntarily or by operational law (collectively, "Transfer ") to the extent permitted under the terms of the bond issuance from which the Commission Assistance was derived; or (ii) if a Default occurs. The acceptance of one or more installments after any such event shall not constitute a I aiver of Lender's option. Lender's failure to exercise such option shall not constitute a waiver of such option with respect to any subsequent event. Lender's failure in the exercise of any other right or remedy hereunder or under any agreement which secures the indebtedness or is related thereto shall not affect any right or remedy and no single or partial exercise of any such right or remedy shall preclude any further exercise thereof. If any payment for or proceeds of the Transfer are paid to or held by a title company or other third party, Borrower shall instruct such title company or third party to pay Lender directly. Notwithstanding the foregoing, at any particular time the Project may be encumbered by: (a) liens for taxes, assessments, or governmental charges not then due and payable or not then delinquent; and (b) liens in favor of or consented to in writing by Lender. H. Default Interest. From and after the Maturity Date (either according to the terms of this Commission Note or as the result of an acceleration of the then unpaid principal balance under the terms of this Commission Note), the entire unpaid principal balance shall automatically bear an annual interest rate (instead of the rate specified in Section 5 equal to the lesser of: (a) five percent over the prime interest rate announced by Wells Fargo Bank, NA, or (b) the maximum interest rate allowed by law ( "Default Rate "). If 1005028AC 80078/0022 any interest payment under this Commission Note is not paid when due, the unpaid interest shall be added to the principal of this Commission Note, shall become and be treated as principal, and shall thereafter bear like interest. 12. Attorneys Borrower agrees to pay immediately upon demand all costs and expenses of Lender including reasonable attorneys' fees, (i) if after default this Commission Note be placed in the hands of an attorney or attorneys for collection; (ii) if after a Default under any of the Commission Documents, Lender finds it necessary or desirable to secure the services or advice of one or more attorneys with regard to collection of this Commission Note against Borrower, any guarantor or any other party liable therefor or to the protection of its rights under the Commission Documents; or (iii) if Lender seeks to have the Project, or any portion thereof, abandoned by or reclaimed from any estate in bankruptcy, or attempts to have any stay or injunction prohibiting the enforcement or collection of the Commission Note or prohibiting the enforcement of the Commission Deed of Trust or any other agreement evidencing or securing this Commission Note lifted by any bankruptcy or other court. 13. Defense of Title. If Lender shall be made a party to or shall reasonably intervene in any action or proceeding, whether in court or before any governmental agency, affecting the property or the title thereto or the interest of the Lender under the Commission Deed of Trust, including, without limitation, any form of condemnation or eminent domain proceeding, Lender shall be reimbursed by Borrower immediately upon demand for all costs, charges and. attorneys' fees incurred by Lender in any such case, and the same shall be secured by the Commission Deed of Trust as a further charge and lien upon the Project. 14. Waivers; Forbearance. Borrower and any endorsers hereof and all others who may become liable for all or any part of this obligation, severally waive presentment for payment, demand and protest and notice of protest, and of dishonor and nonpayment of this Commission Note, and expressly consent to any extension of the time of payment hereof or of any installment hereof, to the release of any party liable for this obligation, and any such extension or release may be made without notice to any of said parties and without any way affecting or discharging this liability. Borrower, endorsers, and all other persons liable or to become liable on this Commission Note waive presentment, protest, and demand; notice of protest, demand, and dishonor; and all other notices or matters of a like nature. The pleading of any statute of limitations as a defense to the obligations evidenced by this Commission Note is waived to the fullest extent permissible by law. If Lender delays in exercising or fails to exercise any of its rights under this Commission Note, that delay or failure shall not constitute a waiver of any Lender rights or of any breach, default, or failure of condition under this Commission Note. No waiver by Lender of any of its rights or of any such breach, default, or failure of condition shall be effective, unless the waiver is expressly stated in a writing signed by Lender. 15. Notice. Any notice required to be provided in this Commission Note shall be given in writing and shall be sent (a) for personal delivery by a delivery service that provides a record of the date of delivery, the individual to whom delivery was made, and the address where delivery was made; (b) by first - class certified United States mail, postage prepaid, return receipt requested; (c) by a nationally; recognized overnight courier service, marked for next day business delivery; or (d) sent by facsimile (immediately followed by one of the preceding methods). All notices shall be addressed to the party to whom such notice is to be given at the property address stated in this Commission Note or to such other address as a party may j designate by written notice to the other. All notices shall be deemed effective on the earliest of (a) actual receipt; (b) rejection of delivery; (c) if sent by certified mail, the third day on which regular United States mail delivery service is provided after the day of mailing or, if sent by overnight delivery service, on the next day on which such service makes next - business -day deliveries after the day of sending. 1005028v4C 80078/0022 To Commission: Community Development Commission of the City of Rohnert Park 6750 Commerce Boulevard Rohnert Park, California 94928 Attention: Executive Director Telephone: (707) 588 -2227 Facsimile: (707) 588 -2274 With a copy to: City of Rohnert Park 6750 Commerce Boulevard Rohnert Park, California 94928 Attention: City Attorney Telephone: (707) 588 -2227 Facsimile: (707) 588 -2274 To Borrower Rainbow— Copeland Creek, LLC 34975 N. North Valley Parkway, Suite 152 Phoenix, AZ 85086 Attention: Executive Director Telephone: (623) 889 -3391 Facsimile: (623) 687 -9472 With a copy to: TRG- Copeland Creek, LP 556 Commercial Street, Suite 300 San Francisco, California 94111 Attention: Executive Director Telephone: (415) 788 -0700 Facsimile: (415) 788 -0435 With a copy to: Cox, Castle & Nicholson LLP 555 California Street, Tenth Floor San Francisco, California 94104 Attention: Stephen Ryan, Esq. Telephone: (415) 262 -5150 Facsimile: (415) 392 -4250 16. Assignment. This Commission Note inures to and binds the heirs, legal representatives, successors, and assigns of Borrower and Lender; provided, however, that THIS COMMISSION NOTE IS PERSONAL TO BORROWER AND IS NOT ASSUMABLE OR ASSIGNABLE, and Borrower may not assign this Commission Note or any proceeds of it, or assign or delegate any of its rights or obligations except as provided in the Agreement. Any such action on Borrower's part shall constitute a Default under this Commission Note and the Commission Deed of Trust. Lender in its sole discretion may transfer this Commission Note, and may sell or assign participations or other interests in all or any part of this Commission Note, all without the consent of Borrower but with notice to Borrower. 17. Miscellaneous. This Commission Note shall be binding upon Borrower, its successors and assigns. This Commission Note shall be construed in accordance with and be governed by the laws of the State of California. If any provision of this Commission Note shall be invalid, illegal or unenforceable, the validity, legality and enforceability of the remaining provisions hereof shall not in any way be affected or impaired thereby. Time is of the essence in this Commission Note. In the event of any conflict between this Commission Note and the balance of the Commission Documents, the provisions of this Commission Note 1005028v4C 80078/0022 4 shall control. Capitalized terms not otherwise defined herein shall have the meaning ascribed to such terms in the Agreement. 18. Borrower Liability. Notwithstanding anything to the contrary set forth in the Agreement, this Note, the Covenant or the Commission Deed of Trust, the obligations of the Borrower hereunder shall be without recourse to any member, officer, employee, agent or manager of Borrower and no member, officer, employee, agent or manager ofthe Borrower shall be personally liable for the payment of any obligation of the Borrower hereunder. In the event any legal actions or proceedings are brought in respect of such obligations, any judgment against the Borrower shall be enforced only against the assets of the Borrower and not against any property of any partner, member, officer, employee, agent or manager of the Borrower. RAINBOW — COPELAND CREEK, LLC, a California limited liability company By: Rainbow Housing Assistance Corporation, a California nonprofit public benefit corporation, its Sole Member LI-M 1005028v4C 80078/0022 Flynann Janisse, Executive Director Attachment No. 5 [Standard Form Deed of Trust to be provided by Title Company] ADDENDUM TO COMMISSION DEED OF TRUST (COMMISSION ASSISTANCE) This Addendum to Commission Deed of Trust is part of the Commission Deed of Trust 2007 to which it is attached between TRG- COPELAND CREEK, LP, a California limited partnership, as Trustor, and RAINBOW - COPELAND CREEK, LLC, a California limited liability company, as Beneficiary. All capitalized terms not defined herein shall have the meaning as defined in the Agreement. The following provisions are made a part of the Commission Deed of Trust: No Discrimination. A. Trustor covenants by and for itself and any successors in interest that there shall be no discrimination 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 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 sale, lease, sublease, transfer, use, occupancy, tenure, or enjoyment of the Project, the property, the improvements thereon or any part thereof, nor shall the grantee or any person claiming under or through him, her or it, establish or permit any practice or practices of discrimination or segregation with reference to the selection, location, number, use or occupancy of tenants, lessees, subtenants, sublessees, or vendees in the Project, the property, the improvements thereon or any part thereof. B. Al l deeds, leases or contracts trade relative to the Project, the property, the improvements thereon or any part thereof, shall contain or be subject to, the nondiscrimination clauses set forth in California Health and Safety Code section 33436. 2. Default. The occurrence of any of the following shall constitute a "Default" under the Owner Note and this Commission Deed of Trust, and a Default may be declared under this Commission Deed of Trust solely upon the occurrence of any of the following; (i) any failure by Trustor to pay any amount due under the Owner Note within 15 days of its due date; (ii) any default by Beneficiary under that certain Affordable Housing and Loan Agreement dated , 2007, between Beneficiary and Commission including all Attachments thereto ( "Agreement ") or under any of the Commission Documents, subject to any applicable cure periods provided therein; (iii) any default by Borrower under the Covenant or the Development Agreement, subject to any applicable cure periods provided therein; (iv) any default by Trustor as to any other loan or loans by Beneficiary to Trustor, or (v) if Trustor assigns the Owner Note or any proceeds of it, or assigns or delegates any of Trustor's rights or obligations under the Owner Note. Upon a Default hereunder, Beneficiary may, at its option, declare all sums owing under the Owner Note immediately due and payable. 4. Nonrecourse. Notwithstanding anything to the contrary set forth in the Agreement, the Note, the Covenant or the Commission Deed of Trust, the obligations of the Trustor hereunder shall be without recourse to any partner, member, officer, employee, agent or manager of the Trustor, and no partner, member, officer, employee, agent or manager ofthe Trustor shall be personally liable for the payment of any obligation of the Trustor hereunder. In the event any legal actions or proceedings are brought in respect of such obligations, any judgment against the Trustor shall be enforced only against the assets of the Trustor and not against any property of any partner, member, officer, employee, agent or manager of.the Trustor. 1005028v4C 80078/0022 5. Extended Use Agreement. Beneficiary agrees that the Liens of this Deed of Trust shall be subordinate to.any extended low- income housing commitment (as such term is defined in Section 42(h)(6)(B) of the Internal Revenue Code) (the "Extended Use Agreement ") recorded against the Property, provided that such Extended Use Agreement, by its terms, must terminate upon foreclosure under this Deed of Trust or upon a transfer of the Property by instrument in lieu of foreclosure, in accordance with Section 42(h)(6)(E) of the Internal Revenue Code, subject to the limitations upon evictions, terminations of tenancies and increases in gross rents of tenants of low- income units as provided in that Section. 6. Scope of Secured Obligations. The Commission Deed of Trust is intended to, and does, secure Owner's Performance Obligations, Subordinate Financial Obligations, and any and all other Owner obligations (whether direct obligations or received through assignment from Trustor) under the Owner Note, the Note Pledge Agreement, the Development Agreement, the Commission Documents, the Subordinate Financing Documents or the Performance Documents (including the Covenant, the Memorandum of Agreement, the Commission Deed of Trust, and the Commission Financial Assistance). TRG- COPELAND CREEK, LP, a California limited partnership By: Rainbow- Copeland Creek, LLC, a California limited liability company, its Managing General Partner By: Rainbow Housing Assistance Corporation, a California nonprofit public benefit corporation, its Sole Member go Dated: Flynann Janisse, Executive Director By: Gung Ho- Copeland Creek, LLC, a California limited liability company, its Co-General Partner Dated: 1005028v4C 80078/0022 2 By: Gung Ho Partners, LLC, a Delaware limited liability company; acting with respect to its series 13, its Sole Member By: Fidelity Partners, Inc., a California corporation, its Managing Member By: Joseph L. Sherman, President "TRUSTOR [Signatures must be notarized] State of California ) ss. County of ) On before me, (insert name and title of the officer), personally appeared personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose name(s) is /are subscribed to the within instrument and acknowledged to me that he /she /they executed the same in his/her /their authorized capacity(ies), and that by his/her /their signature(s) on the instrument the person(s), or the. entity upon behalf of which the person(s) acted, executed the instrument. WITNESS my hand and official seal. Signature 1005028AC 80078/0022 Attachment No. 6 CERTIFICATE OF COMPLETION RECORDING REQUESTED BY ) AND WHEN RECORDED MAIL TO: ) ) Community Development Commission ) of the City of Rohnert Park ) 6750 Commerce Boulevard ) Rohnert Park, California 94928 ) Attention: Executive Director ) This document is exempt from the payment of a recording fee pursuant to Government Code § 27383. [PARTi1fFLNAL] CERTIFICATE OF COMPLETION OF CONSTRUCTION AND IMPROVEMENTS THIS [PARTTAVP)N:. AL] CERTIFICATE OF COMPLETION OF CONSTRUCTION AND IMPROVEMENTS ( "rPartal/Final] Certificate of Completion ") is made by the COMMUNITY DEVELOPMENT COMMISSION OF THE CITY OF ROHNERT PARK, a public body corporate and politic ( "Commission "), in favor of TRG- COPELAND CREEK, LP, a California limited partnership ( "Owner "), as of the date set forth below. 2. RECITALS A. Commission and Rainbow — Copeland Creek, LLC ( "Developer ") have entered into that certain Affordable Housing and Loan Agreement dated 2007, including all Attachments thereto ( "Agreement ") concerning that certain real property and improvements thereon situated in the City of Rohnert Park, California, as more fully described in Exhibit "A" attached hereto and made a part hereof. ( "Site "). B. As referenced in Section 209 of the Agreement, Commission is required to furnish Developer or Owner or its successors with a [I'arttal/FuralJ Certificate oi`Complehoti ttpon coitipletiori,of. construction of the [Cornnssion WoxIE (for I?art�arI first ate�nmproyerne�ats�( oral Csrticate)], which [PartallFinal] Certificate of Completion is required to be in such form as to permit it to be recorded in the Recorder's Office of Sonoma County. This Par txaiuiah] Certificate of Completion is conclusive determination of satisfactory completion of the �ommtsstonf Sok/Improvemens as required by the Agreement. NOW, THEREFORE, Commission hereby certifies as follows: 1. Owner has fully and satisfactorily completed the ission Work/Improvements] in 0* conformance with the Agreement. 2. All use, maintenance, operation, nondiscrimination and other covenants contained in the Commission Documents shall remain in effect and enforceable according to their terms. 1005028AC 80078/0022 3. This [Part alfF.14A Certificate of Completion shall not be deemed or construed to constitute evidence of compliance with or satisfaction of [(fPartial Certificate} the Pathnprovement or] any obligation of Developer to any holder of a mortgage, or any insurer of a mortgage, securing money loaned to Developer in connection with the Project or any portion thereof. This [Pami"inal] Certificate of Completion is not a notice of completion as referred to in California Civil Code section 3093. IN WITNESS WHEREOF, Commission has executed this [Parf�allF3raL] Certificate of Completion this day of 200 COMMUNITY DEVELOPMENT COMMISSION OF THE CITY OF ROHNERT PARK, a public body corporate and politic By:_ Name: Its: ATTEST: Commission Secretary APPROVED AS TO FORM: General Counsel 1005028v4C 80078/0022 5 /Signature must be notarized] "COMMISSION" STATE OF CALIFORNIA ) ) ss. COUNTY OF ) On , 2Q_, before me, (here insert name and title of the officer), personally appeared , personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose name(s) is /are subscribed to the within instrument and acknowledged to me that he /she /they executed the same in his /her /their authorized capacity(ies), and that by his/her /their signature(s) on the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument. WITNESS my hand and official seal. Signature 1005028v4C 80078/0022 Exhibit "A" LEGAL DESCRIPTION OF SITE 1005028v4C 80078/0022 Attachment 7 PROFORMA [to be inserted] 1005028AC 80078/0022 Attachment 8 SUBORDINATION AGREEMENT [to be inserted] 1005028AC 80078/0022 Attachment 9 SCOPE OF WORK [to be inserted] 1005028v4C 80078/0022 Attachment 10 NOTE PLEDGE AGREEMENT [to be inserted] 1005028AC 80078/0022 Attachment 11 OWNER'S NOTE [to be inserted] 1005028AC 80078/0022