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HomeMy WebLinkAbout2000-129 2 RESOLUTION NO. ..2.Q..Q..Q..-129 RESOLUTION OF THE MAYOR AND COMMON COUNCIL OF THE CITY OF SAN BERNARDINO AUTHORIZING EXECUTION OF A FLOAT LOAN AGREEMENT WITH OCELOT ENGINEERING, INC., A CALIFORNIA CORPORATION, D.B.A., CHAPARRAL MOTOR SPORTS (BORROWER) 3 4 5 6 WHEREAS, the City has entered into an agreement with the United States of America 7 through its Department of Housing and Urban Development ("HUD") to execute a Community 8 Development Block Grant ("CDBG") pursuant to the Housing and Community Development 9 Act of 1974, as amended (the "Act"); 10 WHEREAS, the Borrower desires to borrow up to the maximum principal amount of One 11 Million Dollars ($1,000,000) (the "Loan") from the City for the purpose of financing an 12 expansion of the warehouse and automotive parts distribution business of the Borrower in the 13 City, including the related expansion of the Borrower's work force of hourly employees who are 14 based in the City (the "Project"). The Project shall be located at the existing business facility of 15 the Borrower situated at 555 South "H" Street, San Bernardino, California 92416 (the "Site"); 16 WHEREAS, the City desires to make the Loan to the Borrower, on the terms and 17 conditions set forth herein; 18 WHEREAS, the City has made a determination that the Project, to which the proceeds of 19 the Loan are to be applied pursuant to this Agreement, is a CDBG eligible special economic 20 development activity benefiting low and moderate income persons; 21 WHEREAS, the City has made a determination that the Loan is appropriate to carry out a 22 special economic development project; and 23 WHEREAS, the Borrower has agreed to obtain the Letter of Credit, described below, to 24 secure repayment of the Loan by the Borrower, as provided herein, 25 WHEREAS, the float loan is categorically exempt pursuant to Section 24 CFR Part 58.35 (b)4; -1- 06105100 Reso-Chaparr.1 1-- 2000-129 WHEREAS, the Project is located in the Central City South Redevelopment Project Area 2 and in conformance with the Redevelopment Plan Environmental Impact Report; 3 WHEREAS, pursuant to CEQA Regulations 15180, no further review of the potential 4 impact of this operating capital financing on the environment is necessary at this time. 5 NOW, THEREFORE, THE CITY COUNCIL OF THE CITY OF SAN 6 BERNARDINO, CALIFORNIA, DOES HEREBY RESOLVE AS FOLLOWS: 7 Section 1. The Mayor is hereby authorized to execute the attached Float 8 Loan Agreement with Ocelot Engineering, Inc. 9 fill 10 fill 11 fill 12 fill 13 fill 14 fill 15 fill 16 fill 17 fill 18 fill 19 1/// 20 fill 21 fill 22 fill 23 fill 24 //1/ 25 fill -2- 06/05100 Resa-Chaparral 2000-129 2 RESOLUTION OF THE MAYOR AND COMMON COUNCIL OF THE CITY OF SAN BERNARDINO AUTHORIZING EXECUTION OF A FLOAT LOAN AGREEMENT WITH OCELOT ENGINEERING, INC., A CALIFORNIA CORPORATION, D.B.A., CHAPARRAL MOTOR SPORTS (BORROWER) 3 4 5 I HEREBY CERTIFY that the foregoing Resolution was duly adopted by the Mayor and Joint Common Council of the City of San Bernardino at a Regular meeting thereof, held on the 6 7 8 9 10 II 12 13 14 15 ~,~y~ The foregoing resolution is hereby approved this 7:tJ.., d June 16 17 18 ,2000. 19 20 21 Approved as to form and Legal Content; 22 23 James F. Penman City Attorney ~ B~1-' t p~, 24 25 -3- 06/05/00 Reso-Chaparral FLOAT LOAN AGREEMENT (OCELOT ENGINEERING, INC.) ~ FrAT LOAN AGREEMENT (OCELOT ENGINEERING, INC.) is dated as of I, 2000, (the "Agreement") by and between the CITY OF SAN B RNARDINO, a municipal corporation (the "City") and OCELOT ENGINEERING, INC., a California corporation, doing business as Chaparral Motor Sports (the "Borrower"). The City and the Borrower are sometimes hereinafter referred to as a "Party" and collectively as the "Parties". R E C I TAL S A. WHEREAS, the City has entered into an agreement with the United States of America through its Department of Housing and Urban Development ("HUD") to execute a Community Development Block Grant ("CDBG") pursuant to the Housing and Community Development Act of 1974, as amended (the "Act"); B. WHEREAS, The Borrower desires to borrow up to the maximum principal amount of One Million Dollars ($1, ODD, 000) (the "Loan") from the City for the purpose of financing an expansion of the warehouse and automotive parts distribution business of the Borrower in the City, including the related expansion of the Borrower's work force of hourly employees who are based in the City (the "Project"). The Project shall be located at the existing business facility of the Borrower situated at 555 South "H" Street, San Bernardino, California 92416 (the "Site"); C. Borrower, WHEREAS, the City desires to make the Loan on the terms and conditions set forth herein; to the D. WHEREAS, the City has made a determination that the Project, to which the proceeds of the Loan are to be applied pursuant to this Agreement, is a CDBG eligible special economic development activity benefitting low and moderate income persons; E. WHEREAS, the City has made a determination that the Loan is appropriate to carry out a special economic development project; and F. WHEREAS, the Borrower has agreed to obtain the Letter of Credit, described below, to secure repayment of the Loan by the Borrower, as provided herein. SBEO/0001/DOC/4041-2 5/24/00 dgw 1 r NOW, THEREFORE, IN CONSIDERATION OF THE MUTUAL PROMISES SET FORTH HEREIN, THE PARTIES AGREE AS FOLLOWS: 1. LOAN BY THE CITY. The City agrees, subject to the terms and conditions of this Agreement and in consideration of the representations, covenants and obligations of the Borrower contained in this Agreement, to loan to the Borrower, in one or more disbursements, up to the maximum sum of One Million Dollars ($1,000,000) to be used solely for the purposes described below and so long as such purposes constitute CDBG eligible special economic development activities. 2. NOTE AND TERMS. Prior to any disbursement of any Loan proceeds to the Borrower hereunder, the Borrower shall execute and deliver to the City a Promissory Note (the "Note") in the form of Exhibit "A" attached hereto. The Note sets forth the terms and conditions of the Loan. The Note shall be dated by the Borrower as of the date of its execution and, upon receipt of the Note, the City shall insert the Initial Maturity Date (as defined in the Note) therein. Provided that no default has occurred, no interest shall accrue on the outstanding principal balance of the Note prior to its Maturity Date. The Note may be renewed by the City at its option in two (2) year intervals for a total term of the Note not to exceed six (6) years. The option of the City to renew the Note shall be exercised by and in the sole discretion of the Executive Director of the Redevelopment Agency of the City (the "Executive Director") and only upon a determination by the Executive Director that (i) sufficient CDBG funds are available to the City to fund disbursements under the Note in addition to the other CDBG eligible activities of the City during any such optional renewal period; and (ii) the Sales Tax Revenue (as defined below) generated by the acti vi ties of the Borrower on the Site wi thin the Ci ty are a minimum of Three Hundred Twenty Eight Thousand Five Hundred Dollars ($328,500.00) annually, in accordance with Section 10.P. of this Agreement. "Sales Tax Revenue" means the amount of local sales and use taxes paid to the City under Revenue and Taxation Code Section 7200 et ~. on the gross receipts of the Borrower from the sale and/or lease of all tangible personal property arising from the activities of the Borrower on the Site. Such determinations shall be made by the Executive Director at least ninety (90) days prior to the Applicable Maturity Date (as defined in the Note). On the Applicable Maturity Date, the entire unpaid principal balance of the Loan, and any other amounts payable by the Borrower under the terms of this Agreement and the Note shall be due and payable. All payments, including any prepayments or funds received upon SBEO/0001/DOC/4041-2 5/24/00 dgw 2 i-- acceleration pursuant to Section 3 below, shall be applied first toward costs of collection and default interest charges, if any, then toward the unpaid principal balance under the Note. As used herein, the word "Term" shall mean the period of time corrunencing with the date of the Note and terminating on the date when the Borrower has repaid the entire outstanding principal balance and accrued interest on the Loan. 3. ACCELERATION. The entire principal balance of the Loan shall be due and payable on the Applicable Maturity Date; provided, however, that the entire principal balance of the Loan, at the election of the City and upon notice to the Borrower thereof (except with respect to Non-Curable Defaults as defined in Section 16 (A) (1) below), shall become irrunediately due and payable upon the occurrence of any Event of Default as set forth in Section 16 of this Agreement, without presentment, demand, protest or other notice of any kind, all of which are hereby waived by the Borrower. 4 . LOAN PREPAYMENT. REPAYMENT; VOLUNTARY PREPAYMENT; MANDATORY At any time after the disbursement of the Loan proceeds, the Borrower may, subject to its compliance with the following procedure, prepay all or a portion of the unpaid principal balance of the Loan and any or all accrued interest thereon without penalty. In the event the Borrower wishes to prepay all or any portion of the unpaid principal amount of the Loan and accrued interest thereon (a "Voluntary Prepayment"), the Borrower shall deliver written notice to the City of such election (the "Prepayment Notice") which Prepayment Notice shall identify (i) the date such prepayment is to occur (the "Prepayment Date") and (ii) the total principal balance to be paid. The Prepayment Notice shall be delivered to the City at least ten (10) days prior to the Prepayment Date. It is acknowledged by the Parties that the City may require prepayment (a "Mandatory Prepayment") (either in whole or in part) of the Loan at any time by delivery of written notice (the "Notice of Mandatory Prepayment") to the Borrower. The Notice of Mandatory Prepayment shall set forth (i) the date such prepayment is to occur (the "Mandatory Prepayment Date"), and (ii) the total principal to be paid. The Notice of Mandatory Prepayment shall be delivered to the Borrower at least ten (10) days prior to the Mandatory Prepayment Date. SBEO/0001/DOC/4041-2 5/24/00 dgw 3 The amount of principal set forth in either the Notice of Mandatory Prepayment or the Prepayment Notice as the amount to be prepaid shall constitute an amount owing by the Borrower to the City, under this Agreement as of the Mandatory Prepayment Date or the Prepayment Date, as applicable. Upon: (i) the Applicable Maturity Date of the Loan, and/or (ii) the occurrence of any Event of Default as set forth in Section 16, herein, and the Borrower's failure to timely cure such Default after delivery of notice to the Borrower, as specified therein (except with respect to Non-Curable Defaults as defined in Sections 16 (A) (l) through (9) below in which case no notice is required), the City is authorized to draw on the Letter of Credit (as defined below) the total outstanding principal balance and other amounts owing under the Loan, as of the date of such draw, plus, at the City's option, any interest, principal or other payments received directly from the Borrower during the period commencing ninety (90) days prior to the earlier of the (i) date of such draw, or (ii) the date of any Act of Bankruptcy (as defined hereinbelow) occurring with respect to the Borrower. As used herein, the term "Act of Bankruptcy" means the filing of a voluntary petition in bankruptcy under the United States Bankruptcy Code or an adjudication pursuant to an involuntary proceeding under the United States Bankruptcy Code. The City shall be permitted, upon (i) any Prepayment Date, and/or (ii) any Mandatory Prepayment Date, to draw on the Letter of Credit the amount of any Voluntary Prepayment and/or any Mandatory Prepayment. In the event that any such draw is for the entire outstanding principal balance of the Loan as of the date of such draw, whether pursuant to a Voluntary Prepayment or a Mandatory Prepayment, the City shall be permitted to draw on the Letter of Credit the total outstanding principal balance and other amounts owing under the Loan, as of the date of such draw, plus, at the City's option, any interest, principal or other payments received directly from the Borrower during the period commencing ninety (90) days prior to the earlier of the (i) date of such draw, or (ii) the date of any Act of Bankruptcy occurring with respect to the Borrower. Provided that there are no other amounts owing the City after its draw on the Letter of Credit of the total outstanding principal, interest and other amounts owing under the Loan (and, if the City elects, any interest, principal or other payments received directly from the Borrower during the period commencing ninety (90) days prior to the earlier of the (i) date of such draw, or (ii) the date of any Act of Bankruptcy occurring with respect to the Borrower), the City shall return the Letter of Credit to the Bank SBEO/0001/DOC/4041-2 5/24/00 dgw 4 (as defined below) after its receipt of all funds in accordance with such draw. The Borrower hereby agrees and understands that the prepayment of the Note shall not relieve the Borrower of the duty to comply wi th the terms and condi tions set forth in the CDBG or the covenants described in Sections 10 and 11 herein, and such obligations and covenants shall remain in full force and effect pursuant to their terms. 5. SECURITY AND SOURCE OF PAYMENT. Payment of principal and other amounts owing to the City under the Loan shall, at all times during the Term, be secured by a direct pay, irrevocable, unconditional and callable upon demand letter of credit (the "Letter of Credit") provided by Bank of America, or another acceptable bank legally undertaking business in California that is rated AA or better for short term debt by Moody's or Standard & Poor's (collectively the "Bank"), for the account of the Borrower. The Letter of Credit shall be in such form and substance as to allow draws on any date in order to fulfill the City's obligation to fund CDBG projects, and at the end of each Letter of Credit renewal term, in the event the Letter of Credit is not renewed. The Letter of Credit shall at all times be in an amount no less than (i) the then outstanding principal amount of the Loan (hereinafter, the "Required Amount"), (ii) in favor of the City, (iii) in the form attached hereto as Exhibit "B", and (iv) having an expiration date which is at least one hundred twenty (120) days after the Applicable Maturity Date of the Note; provided, however, that the Borrower shall be permitted to obtain a Letter of Credit with an earlier maturity provided that, no later than one hundred twenty (120) days prior to the expiration of such Letter of Credit, (i) such Letter of Credit is renewed to provide an expiration date which is at least one hundred twenty (120) days after the Applicable Maturity Date of the Note, or (ii) a replacement Letter of Credit, in conformance with the requirements hereunder and having an expiration date which is at least one hundred twenty (120) days after the Applicable Maturity Date of the Note, is issued in favor of the City. The City shall pay the costs of obtaining the Letter of Credit described herein, up to a maximum cost of Fifteen Thousand Dollars ($15,000.00). Notwithstanding the satisfaction of all other conditions applicable to a distribution of Loan proceeds to the Borrower under this Agreement, the Borrower shall not be entitled to receive Loan proceeds to the extent that such receipt would cause the amount of the then issued Letter of Credit to be less than the Required Amount. To the extent the Borrower wishes to receive such Loan SBEO/0001/DOC/4041-2 5/24/00 dgw 5 proceeds, the Borrower must have the then issued Letter of Credit amended to equal or exceed the required replacement Letter of Credit issued (otherwise the requirements hereunder) in an amount which Required Amount. amount or have a in conformance with is no less than the Draws on the Letter of Credit shall be conditioned upon the presentation to the Bank at its office designated in the Letter of Credi t of a sight draft and certificate in accordance with the terms of the Letter of Credit. Neither the acceptance of, the transfer of, nor receipt of monies by the City under the Letter of Credit shall in any manner relieve the Borrower of any obligation hereunder, under the Note or under the terms of any other documents executed or given herewith, except to the extent of payment actually received by the City under the Letter of Credit and, to the extent the City receives actual payment under the Letter of Credi t specifically with respect to an amount (the "Previously Paid Amount") previously received directly from the Borrower, then the City shall immediately reimburse to the Borrower or, if required by applicable law, to the trustee in any bankruptcy proceeding involving the Borrower, the Previously Paid Amount. 6. CONDITIONS TO THE CITY FUNDING THE LOAN. The obligation of the City to make any disbursement of Loan proceeds under this Agreement shall be expressly subject to the following conditions: A. The execution of this Agreement by the authorized officers of the City and the Borrower. B. The availability to the City of allocated, but undrawn CDBG funds in an amount sufficient to fund the respective disbursements of the Loan. C. Receipt by the City of the Letter of Credit in form and substance as provided in Exhibit "B" hereto or otherwise satisfactory to the City, in its sole discretion, and from a bank reasonably acceptable to the City. D. Receipt by the City of the executed Note. E. Receipt by the City from the Borrower of such documents, certifications and opinions of legal counsel to the Borrower as are reasonably required by the City, in form and substance satisfactory to the city, evidencing (i) that this Agreement, the Note and all other documents given or executed by the Borrower in connection herewith are duly and validly SBEO/OOOI/DOC/4041-2 5/24/00 dgw 6 executed by and on behalf of and constitute the valid and enforceable obligation of the Borrower thereunder, pursuant to the respective terms of each of such documents, and (ii) that the execution and delivery of this Agreement, the Note and all other documents executed, or given hereunder or in connection herewith and the performance by the Borrower thereunder will not breach or violate any agreement to which the Borrower is a party, or breach or violate any articles of incorporation, by-law or restriction, or violate any law or governmental regulation nor, to the best of the Borrower's knowledge, constitute a breach of or default under any instrument or agreement to which the Borrower or any of its principal shareholders may be a party, and (iii) such other matters as are reasonably required by the City. F. If necessary, receipt of environmental clearance for the Project. G. No uncured Event of Default shall have occurred. H. [Reserved] I. The Borrower shall have provided to the City, in form satisfactory to the City, copies of good standing certificates from the California Secretary of State, certifying that the Borrower is a duly formed and active corporation in good standing. J. The Borrower shall have provided to the City, in a form satisfactory to the City, certified copies of (i) the by- laws of the Borrower, (ii) a resolution of the board of directors of the Borrower approving, on behalf of the Borrower, this Agreement and the other documents executed by the Borrower in connection herewith, and (iii) a certificate of the Secretary or an Assistant Secretary of the Borrower certifying the names and true signatures of the officers authorized to sign this Agreement on behalf of the Borrower, and the other documents to be delivered by it hereunder. K. The Borrower, and not a subsidiary corporation or a limited or general partnership or any other related entity or business, shall retain ownership of the Project at the Site during the term that the Loan is outstanding. L. Borrower proceeds. Receipt by the City of a written request from the for disbursement of a specified amount of Loan SBEO/OOOl/DOC/4041-2 5/24/00 dgw 7 7. OBLIGATION OF BORROWER UNCONDITIONAL. The obligation of the Borrower to repay the Loan and all accrued, interest thereon shall be absolute and unconditional, and until such time as all of the outstanding principal of and interest on the Note shall have been fully paid, the Borrower agrees that it: A. Will use the funds solely for the purposes set forth in this Agreement; and B. Will not terminate or suspend any payment or obligations under this Agreement, the Note, or the Letter of Credit or any other document executed hereunder or in connection herewith for any cause, including without limi tation, any acts or circumstances that may constitute failure of consideration, commercial frustration of purpose, or any duty, liability or obligation arising out of or in connection with this Agreement or any document executed hereunder or in connection herewith. 8. PURPOSES OF LOAN. The Borrower covenants to use the proceeds of the Loan solely for purposes of financing CDBG eligible activities and paying CDBG eligible costs incurred in connection with the Project. The Loan proceeds may not be used for, and the Borrower hereby covenants that it shall not use such proceeds for, any ineligible purchases and expenditures, as set forth in 24 CFR 570.207. In no event shall the Borrower use or otherwise invest the proceeds of the Loan, except as expressly authorized in this Agreement. Notwithstanding anything to the contrary herein, provided that the Borrower uses the Loan proceeds in accordance with this Agreement, nothing herein shall restrict the Borrower from borrowing other funds necessary for the completion of the Project. 9. OPERATING COVENANT. (a) The Borrower hereby covenants that all of its current and future operations, including, but not limited to, sales, distribution, manufacturing, administration, or any other services, will be conducted and maintained within the City, during the Term of this Agreement and for a period of five (5) years following the expiration of the Term of this Agreement, subject only to casualty losses that result in the inability to continue operations at the Site ("Casualty Losses"). SBEO/0001/DOC/4041-Z 5/24/00 dgw 8 (b) In the event the Borrower ceases substantial business operations (other than from Casualty Losses), or changes the character of its present business, or relocates its present operations to another site without the City's prior written consent, the Loan shall be immediately due and payable, shall be subject to Default Interest (as set forth in the Note) from the original date of the Note and a draw shall be made by the City on the Letter of Credit in the amount of all outstanding principal and interest. 10. ADDITIONAL COVENANTS OF BORROWER. As additional consideration for the making of the Loan by the City, the Borrower covenants as follows: A. Compliance with Laws. The Borrower shall, during the Term, comply with all applicable federal, state, and local laws, ordinances, regulations and directives as they pertain to the performance 0 f this Agreement. This Agreement is subject to and incorporates the terms of the Act and 24 Code of Federal Regulations, Chapter V, Part 570, and all amendments or successor laws, regulations or guidelines thereto (collecti vely, the "Laws, Regulations and Guidelines"). The Borrower understands that the Project, or that portion thereof funded by the Loan (in the event the entire Project is not funded by the Loan), must comply at all times during the Term with one or more of the three broad national objectives set forth in 24 CFR 570.208 and the Borrower covenants that it will cooperate with the City and HUD, as reasonably necessary, to maintain compliance therewith. B. New Jobs. (1) Subject to the terms of this Agreement, the Borrower hereby covenants and agrees to create and, thereafter, maintain the New Jobs (as defined herein) on the Site, as follows: (a) within twelve (12) months following the commencement of the Term of this Agreement, an aggregate of at least ten (10) New Job positions shall be created on the Site; and (b) within twenty four (24) months commencement of the Term of this Agreement, an least twenty (20) New Job positions shall be Site; and following the aggregate of at created on the SBEO/OOOl/DOC/4041-2 5/24/00 dgw 9 (c) within thirty six (36) months following the conunencement of the Term of this Agreement, an aggregate of at least thirty (30) New Job positions shall be created on the Site; and (d) on each of the fourth (4th) and fifth (5th) anniversary dates following the conunencement of the Term of this Agreement, there shall be an aggregate of at least thirty (30) New Job positions on the Site. (e) For the purposes of this Section 10(B), the following terms shall be defined as follows: (i) the words "New Jobs" refer to an aggregate number of not less than thirty (30) new employment positions to be created by the Borrower on the Site within three (3) years of the conunencement of the Term of this Agreement and thereafter maintained for the remainder of the Term of this Agreement. (ii) the words "New Job" refer to the hourly wage employment position work description of each of the employees of the Borrower whose work position at the Site is eligible to be included among the New Jobs for the purpose of satisfying the New Jobs covenant of the Borrower set forth in this Section 10(B) of this Agreement. An employee is eligible to be included as holding a New Job provided that each of the following conditions are satisfied: 1. the employee is paid an hourly wage of at least Ten Dollars ($10.00) per hour; 2. the employee is assigned to work (or is eligible to work) at least One Thousand Seven Hundred and Fifty (1,750) hours per year; 3. the employee is based at the Site; 4. the employee initially begins to work for the Borrower on or after July 1, 2000; and 5. the total number of other hourly employees of the Borrower employed in California on each July 1 of the Term of this Agreement (excluding employees who hold New Jobs on each July 1), is not less than one hundred ninety five (195). Term of (2) this On or before September 1 of each year during the Agreement, the Borrower shall file a written SBEO!OOOl/DOC!4041-2 5/24/00 dgw 10 verification with the Executive Director of the Agency in which the Borrower reports its compliance or non-compliance with the New Jobs creation and/or maintenance covenant set forth in this Section 10 (B) . Such report shall include a certification that each employee who is claimed by the Borrower as holding a New Job position during the preceding year meets the requirements set forth in Section 10 (B) (e) (ii) of this Agreement which shall be accompanied by payroll accounting information relating to the total hourly wage compensation amounts paid to such persons, the total number of hours worked by such persons and the total number of persons who were recruited, hired or released from employment for a New Job position. The annual verification report described herein need not identify any particular employee by name or by specific job description, nor by new hire date, and the payroll accounting information may aggregate the hours worked and wages paid to all persons claimed by the Property Owner to hold New Jobs. (3) In the event that on any date set forth in this Section 10 (B) (2) the verification of the Borrower indicates that there are fewer than the number of New Jobs on the Site required in Section 10(B) (1) of this Agreement for any given time period, then an Event of Default, as set forth in Section 16 of this Agreement shall be deemed to have occurred; provided, however, that, in the event of future action by an independent regulatory agency, or other change in circumstance, which materially and adversely affects the Borrower's business, the City may, in its sole and absolute discretion, extend the term of the New Jobs covenant of the Borrower under this Agreement for one (1) or more years or provide any other relief to the Borrower regarding the New Jobs covenant of the Borrower under this Agreement, as the City deems necessary and appropriate, in its sole and absolute discretion. (4) The Borrower agrees to allow the Agency or its agents access, at reasonable times upon prior notice, to inspect the payroll accounting records of the Borrower as they relate to the New Jobs and the confirmation by the Agency of the information included in each annual verification report from the Borrower. The Agency shall reimburse the Borrower the reasonable hourly cost of making a payroll clerk or accountant employed by the Borrower available to assist the Agency in inspecting such payroll accounting records of the Borrower. (5) The Borrower further covenants and agrees that at least fifty-one percent (51%) of all New Jobs (exclusive of development and construction jobs) created by that portion of the Project funded by the Loan will be held by, or will be available to, low and moderate income persons and will provide training for any jobs requiring special skills or education. "Low and moderate SBEO/0001/DOC/4041-2 5/24/00 dgw 11 income person" is defined by 24 CFR 570.3 (r) as a member of a family having a family income equal to or less than the Section 8 lower income limit established by HUD and furnished to the Borrower by the city at the request of the Borrower. Jobs will be considered to be available to low and moderate income persons for purposes of this Section 10(B) only if (i) special skills that can only be acquired with substantial training or work experience or education beyond high school are not a prerequisite to fill such jobs, or the Borrower agrees to hire unqualified persons and provide training; and (ii) the Borrower takes actions to ensure that low and moderate income persons receive first consideration for filling such jobs. In connection with and in furtherance of the foregoing, the Borrower will prepare promptly after execution hereof and file with the City (i) a listing by job title of the permanent jobs anticipated to be created, indicating which jobs will be available to low and moderate income persons, which jobs require special skills or education, and which jobs are part-time, if any, and (ii) a description of actions to be taken by the Borrower to ensure that low and moderate income persons receive first consideration for such jobs. (6) In satisfying the requirements of this Section 10(B), the Borrower shall require that each prospective low and moderate income employee complete a Prospective Employee Questionnaire in the form attached hereto as Exhibit "C", certifying that his or her family income does not exceed the income limits applicable to such prospective employee at the time of such prospective employee's application, as such limits may hereafter be established from time to time in accordance with 24 CFR 570.3 and set forth on such Questionnaire, which Questionnaires shall be submitted by the Borrower to the City accompanied by an Annual Facility Employment Survey in the form attached hereto as Exhibit "D" (incorporating the data compiled by the Borrower), upon the earlier of (i) sixty (60) days after the expiration of twelve (12) months from the date first written above (and sixty (60) days after the expiration of each subsequent l2-month period until the filling of all jobs created by the Project funded by the Loan), or (ii) sixty (60) days following the filling of all jobs created by the Project funded by the Loan, and a certification by the Borrower as to those jobs filled by low and moderate income persons and which applicants were hired. Notwi thstanding anything to the contrary hereinabove, once the Borrower has completed its initial hiring of permanent employees, Prospective Employee Questionnaires are not required to thereafter be submitted on behalf of the Borrower and the hiring data (except for the data compiled as of the completion of its initial hiring of permanent employees) for the Borrower need not thereafter be included in any Annual Facility Employment Survey submitted to the City. The data compiled as of SBEOI0001/DOC/4041-2 5/24/00 dgw 12 the completion of the initial hiring by the Borrower will be analyzed in order to determine compliance with the 51% hiring requirement specified hereinabove. (7) In addition to the Questionnaires and Survey delivered to the city as provided above, the Borrower shall establish and maintain, for a five (5) year period after satisfaction of the reporting requirements set forth in this Section 10(B), such records as necessary to enable the City to determine whether the Borrower has met the requirements of this Section 10 (Bl, including, without limitation, (i) a listing by job title of the permanent jobs filled, and which jobs of those were available to low and moderate income persons, and (ii) a description of how first consideration was given to such persons for those jobs, including what hiring process was used, which low and moderate income persons were interviewed for a particular job, and which low and moderate income persons were hired. C. Affirmative Action. During the Term, the Borrower shall take affirmative action to ensure that the Project shall provide equal employment and career advancement opportunities for minorities and women and, to the greatest extent feasible, to provide opportunities for training and employment of lower income persons residing within the area of the Project. In furtherance of the foregoing the Borrower shall, prior to the commencement of operations, deliver to the City a list, as soon as practicable after execution of this Agreement, setting forth affirmative steps taken by the Borrower, or to be taken by the Borrower, to assure that minority business and women's business enterprises are offered an equal opportunity to obtain or compete for contracts and subcontracts as sources of supplies, equipment, construction and services. Such affirmative steps may include, but are not limited to, technical assistance open to all businesses but designed to enhance opportunities for these enterprises and special outreach efforts to inform them of contract opportunities. Such steps shall not include preferring any business in the award of any contract or subcontract solely or in part on the basis of race or gender. The Borrower shall deliver to the City semiannually, prior to April 30 and October 31 of each fiscal year, a report summarizing the nature of the businesses with which the Borrower has entered into contracts and subcontracts in connection with the Project during the preceding six (6) month period ending March 31 or September 30, as applicable. The obligation of the Borrower to deliver the report specified in this Section 10(C) shall expire upon delivery of the report SBEOI0001/DOC/4041-2 5/24/00 dgw 13 summarizing the last contracts and subcontracts entered into by the Borrower in connection with the Project and to be paid in whole or in part with Loan proceeds. D. Covenant to Perform Services. The Borrower shall, during the Term, perform services consistent with the goals and obj ecti ves set forth in the City of San Bernardino Community Development Block Grant Statement of Objectives and Projected Use of Funds, as adopted during the Term by the Mayor and Common Council of the City of San Bernardino, which Statement is incorporated herein by this reference. E. Financial Statement. The Borrower shall provide annual review financial statements to the City within thirty (30) days after such financial statements have been presented to the Borrower in final form. F. Other Reports. Upon seventy-two (72) hours' written notice, at any reasonable time until all jobs for the portion of the Project funded by the Loan have been filled, the Borrower shall prepare and submit to the city, in addition to the books and records described above, all additional reports and any financial, program progress, monitoring, evaluation or other reports required by HUD or the City or its representatives as they relate to the Project or this Agreement. The Borrower shall ensure that its employees, agents, officers, and board members furnish such information, which in the reasonable judgment of City representatives, may be relevant to a question of compliance with this Agreement or HUD directives, or with the effectiveness, legality and achievements of the CDBG Program as they relate to the Project or this Agreement. The Borrower shall retain all existing records and data relating to the Project for a five (5) year period after the expiration of the Term. In the event any litigation, claims or audit is started before the expiration of said 5-year period, said books and records shall be retained until all litigation, claims or audit findings involving said books and records have been resolved. G. Indemnification. From and after the date that the city disburses any Loan proceeds to the Borrower, the Borrower agrees to and does hereby indemnify, defend and save harmless the city and its respective agents, officers and employees from and against any and all liability, expense, including defense costs and legal fees of counsel acceptable to the City, and claims (collectively, "Claims") for damages of any nature whatsoever, including, but not limited to, bodily injury, death, personal injury or property damage, arising saEO/0001/DOC/4041-2 5/24/00 dgw 14 from or connected with the Project (except to the extent caused by the gross negligence or wilful misconduct of the City or its agents or employees), and including any workers' compensation suits, liability or expense arising from or in connection with services performed on behalf of the Borrower by any person pursuant to this Agreement. H. Audit bv state and Federal Aaencies. The Borrower agrees that in the event this Agreement or the Loan is subjected to audit, monitoring or other inspections by appropriate state and federal agencies, it shall be responsible for complying wi th such inspections and paying, on behalf of itself and the City, the full amount of the liabili ty to the funding agency resulting from such inspections in the event such liability results from a failure by the Borrower to satisfy applicable law or its obligations under this Agreement. I. Proaram Evaluation and Review. The Borrower shall, during regular business hours, allow city authorized personnel to inspect and monitor its facilities and operations as they relate to the Project or this Agreement, including the interview of the Borrower's staff, as reasonably required by the city during the Term. J. Hazardous Materials. The Borrower covenants and agrees that, during its ownership and/or occupancy of the Site, it shall not (i) deposit "Hazardous Materials" (as defined below) in, on or upon the Site, or (ii) knowingly permit the deposit of Hazardous Materials in, on or upon the Site, and the Borrower hereby assumes any and all liability arising in connection with any such deposit of Hazardous Materials; provided, that this sentence shall not be construed or understood to prohibit the Borrower from allowing Hazardous Materials to be brought upon the site so long as they are materials which are customary and common to the normal course of business in the operation of the Borrower's business so long as such materials are used, stored and disposed of in accordance wi th all applicable governmental restrictions. The Borrower agrees to indemnify, defend and hold the city harmless from and against any Claims respecting the presence of Hazardous Materials in, on or upon the site to the extent such Hazardous Materials are brought thereon by or on behalf of the Borrower, its employees, agents or contractors. For purposes of this Agreement, the term Materials" means, without limitation, gasoline, products , explosives , radioactive materials, "Hazardous petroleum hazardous SBEO/OOOl/DOC/4041-2 5/24/00 dgw 15 materials, hazardous wastes, hazardous or toxic substances, polychlorinated biphenyls or related or similar materials, asbestos or any other substance or material as may now or hereafter be defined as a hazardous or toxic substance by any federal, state or local environmental law, ordinance, rule or regulation, including, wi thout limi tation, (i) the Comprehensive Environmental Response, Compensation and Liability Act of 1980, as amended by the Superfund Amendments and Reauthorization Act (42 D.S.C. Section 6901, et ~.), (ii) the Federal Water Pollution Control Act (33 D.S.C. Section 1251, et ~.), (iii) the Clean Air Act (42 D.S.C. Section 7401, et ~.), (iv) the Resource Conservation and Recovery Act, as amended by the Hazardous and Solid Waste Amendments of 1984 (42 D.S.C. Section 6902, et ~.), (v) the Toxic Substances Control Act (15 D.S.C. Section 2601-2629), (vi) the Hazardous Materials Transportation Act (49 D.S.C. Section 1801, et ~.), (vii) the Carpenter-Presley Tanner Hazardous Substance Account Act (CA Health & Safety Code Section 25300, et ~.), (viii) the Hazardous Waste Control Law (CA Health & Safety Code Section 25100, et ~.), (ix) the Porter Cologne Water Quality Control Act (CA Water Code Section 13000, et ~.), (xl the Safe Drinking Water and Toxic Enforcement Act of 1986, (xi) the Hazardous Materials Release Response Plans and Inventory (CA Health & Safety Code Section 25500, et ~.), (xii) the Air Resources Law (CA Health & Safety Code section 39000, et ~.), or (xiii) in any of the regulations adopted and publications; promulgated pursuant to the foregoing. K. Insurance. The Borrower shall procure and maintain at the Borrower's expense and until such time as the Borrower has repaid the entire outstanding principal balance and accrued interest on the Loan, the following insurance against claims for injuries to persons or damages to property which may arise from or in connection wi th the development and operation of the Project by the Borrower, and its agents, representatives, employees or subcontractors. (1) COMPREHENSIVE GENERAL LIABILITY: $1,000,000 combined single limit for each occurrence ($2,000,000 General Aggregate) for bodily injury, personal injury and property damage, including products and completed operations coverage. The City, its officials and employees are to be covered as additional insureds as respects: liability arising out of activities performed by or on behalf of the Borrower; premises owned or used by the Borrower; and products and completed operations of the Borrower. SBEO/0001/DOC/4041-2 5/24/00 dgw 16 Any self-insurance program by the Borrower and any self- insured retention must be separately approved by the City. Each insurance policy shall be endorsed to state that coverage shall not be canceled by either Party, reduced in coverage or in limits except after (30) days prior written notice has been given to the City. Acceptable insurance coverage shall be placed with carriers admitted to write insurance in California and with a rating of or equivalent to A-(viii) by A.M. Best & Company. Any deviations from this rule shall require specific approval in writing from the City. The Borrower shall furnish the City with certificates of insurance and with original endorsements effecting coverage as required above, naming the City as an additional insured. The certificates and endorsements for each insurance policy are to be signed by a person authorized by that insurer to bind coverage on its behalf. The Borrower shall be permitted to satisfy the insurance requirements set forth in this Section 10 (K) pursuant to a blanket policy of insurance maintained by the Borrower so long as the coverage under such blanket policy satisfies the coverage requirements specified hereinabove and names the City as an additional insured. Failure on the part of the Borrower to procure or maintain the insurance coverage required above shall constitute a material breach of this Agreement by the Borrower pursuant to which the City shall be entitled to all rights and remedies under this Agreement as specified in Sections 16(B) and (C) below. No modification or waiver of the insurance requirements set forth herein shall be made without the prior written approval of the Mayor of the City or any other officer or agent of the City designated in writing by the Mayor. L. Taxes. The Borrower shall pay all taxes when due, including, but not limited to property taxes, income taxes, sales taxes, payroll taxes and any other federal, state, county, city or local taxes applicable to the Borrower. M. Federal Lobbvist Reouirements. The Borrower is prohibited by the Department of Interior and Related Agencies Appropriations Act, known as the Byrd Amendments and BUD's 24 Code of Federal Regulations (CFR) 87 (the "Federal Lobbyist Requirements"), from using federally appropriated funds for the purpose of influencing or attempting to influence an officer or employee of any agency, a Member of Congress, an SBEOI0001/DOC/4041-2 S/24/00 dgw 17 officer or employee of Congress, or an employee of a Member of Congress in connection with the awarding of any Federal contract, the making of any Federal grant, loan or cooperative agreement, and any extension, continuation, renewal, amendment or modification of said documents. The Borrower must certify in writing that it is familiar with the Federal Lobbyist Requirements and that all persons and/or subcontractors acting on behalf of the Borrower will comply with the Federal Lobbyist Requirements, Failure on the part of the Borrower or persons/subcontractors acting on behalf of the Borrower to fully comply with the Federal Lobbyist Requirements shall constitute a material breach of this Agreement by the Borrower upon which the City may declare immediately due and payable all outstanding principal and all accrued and unpaid interest on the Loan. In addition, the Borrower may be subj ect to civil action. N. Other Requirements. The Borrower shall, during the Term, comply with all other applicable requirements of a subrecipient of CDBG funds including without limitation compliance with the Lead Based Paint Poisoning Prevention Act (42 U.S.C. 483l(b)}, and any other applicable laws including any laws respecting relocation, displacement and federal labor standards requirements. O. Previous Covenants of Borrower. The previous covenants of the Borrower contained in that certain Owner Participation Agreement dated September 18, 1995, by and between 555 South "H" Street Partners, the Borrower and the Redevelopment Agency of the City shall remain in full force and effect during the Term of this Agreement. P. Sales Tax. The Borrower shall generate a minimum of Three Hundred Twenty Eight Thousand Five Hundred Dollars ($328,500.00) in annual Sales Tax Revenue (as defined below) from its activities on the Site within the City as of ninety (90) days prior to the second yearly anniversary of the commencement of the Term of this Agreement and in each following year during the remainder of such Term. "Sales Tax Revenue" means the amount of local sales and use taxes paid to the City under Revenue and Taxation Code Section 7200 et ~. on the gross receipts of the Borrower from the sale and/or lease of all tangible personal property arising from the activities of the Borrower on the Site. SBEO/0001/OOC/4041-2 5/24/00 dgw 18 11. [RESERVED1. 12. DISCRIMINATION. The Borrower and the City agree that no person shall, on the grounds of race, sex, creed, color, religion, national origin, or age be excluded from participation in, be refused the benefits of, or otherwise be subj ected to discrimination in any acti vi ties, programs, or employment supported by this Agreement. The Borrower shall comply with all applicable regulations set forth in 24 CFR 570.600-602, including without limitation, the requirement that the Borrower comply with Title VI of the Civil Rights Act of 1964 (Public Law 88-352) and regulations at 24 CFR Part 1; Section 109 of the Act and the Age Discrimination Act of 1975 (42 D.S.C. 6101- 07) and Executive Order 11246 and the regulations issued pursuant thereto (41 CFR Chapter 60), if applicable; and the requirements of the Americans With Disabilities Act (42 D.S.C. 12101-12213). 13. INDEPENDENCE OF PARTIES. In their performance of this Agreement, the Parties will be acting in an independent capacity and not as agents, employees, partners, joint venturers, or associates of one another. The employees or agents of one Party shall not be deemed or construed to be the agents or employees of the other Party for any purpose whatsoever, including workers' compensation liability. The Borrower shall bear the sole responsibility and liability for furnishing workers' compensation benefits to any person for injuries arising from or connected with services performed on behalf of the Borrower pursuant to this Agreement. 14. ASSIGNMENT; ACCELERATION. Notwithstanding anything which may be or appear to be herein to the contrary, no purported assignment of this Agreement shall be effective if such assignment would violate the terms, conditions and restrictions of the CDBG or any other Laws, Regulations and Guidelines applicable to this Agreement or such assignment. The Borrower shall not assign this Agreement or any performance or benefit under the terms of this Agreement, without the prior written consent of the City, and any purported assignment hereof shall be null and void and shall constitute a material breach of this Agreement. In the event of a sale or transfer of the Project (other than an encumbrance of the Project for security purposes) without an assignment of this Agreement approved in writing by the City, the City may, at its option, declare the SBEO/0001/DOC/4041-2 5/24/00 dgw 19 entire principal balance of the Loan and all accrued and unpaid interest thereon immediately due and payable. 15. FISCAL LIMITATIONS. The United States of America through HUD, may in the future place programmatic or fiscal limitations on CDBG funds not presently anticipated. Accordingly, the City reserves the right to revise this Agreement in order to take account of federal government actions affecting HUD program funding. In the event of funding reduction in CDBG funds to such a level that materially affects the ongoing CDBG acti vi ties of the City, the City may reduce or eliminate, as necessary, the Loan in whole or in part. 16. EVENTS OF DEFAULT AND REMEDIES. A. Events of Default. The occurrence of any of the following shall, after the giving of any notice described therein, constitute an event of default ("Event of Default") hereunder: (1) The failure of the Borrower to payor perform any covenant or obligation hereunder or under the terms of this Agreement and/or the Note, without curing such failure within ten (10) days after receipt of written notice of such default from the City (or from any party authorized by the City to deliver such notice as identified by the City in writing to the Borrower), or the failure of the Bank to honor any attempted draw on the Letter of Credit by the City in accordance with this Agreement. Further provided, that the herein described notice requirements and cure periods shall not apply to the following (hereinafter, "Non-Curable Defaults"): (i) a failure by the Bank, to honor any attempted draw on the Letter of Credit by the City made in accordance with the terms of this Agreement, or (ii) any Event of Default described in Sections 16 (A) (2) through 16 (A) (9) below: (2) Failure of the Borrower to pay the outstanding principal balance of the Note on any Applicable Maturity Date (as defined in the Note); (3) Any attempted assignment or transfer by the Borrower not in compliance with Section 14 above; (4) The falsity of any material representation or breach of any material warranty made by the Borrower under the terms of this Agreement, the Note or any other document executed in connection herewith; SBEO/OOOl/DOC/4041-2 5/24/00 dgw 20 (5) A determination by the City or HUD that use of the Loan proceeds by the Borrower does not constitute an eligible activity under the Act, 24 CFR 570.200 et ~., or other applicable regulations; (6) Unless a replacement Letter of Credit is issued within 24 hours of notification to the Borrower, any material provision of the Letter of Credit shall at any time for any reason cease to be valid and binding on the Bank, or the validity or enforceability thereof shall be contested by the Bank or any governmental agency or authority, or the Bank shall deny it has any further liability or obligation thereunder, or the then issued Letter of Credit is not renewed or a replacement Letter of Credit acceptable to the City is not issued at least thirty (30) days prior to expiration of the then issued Letter of Credit if such; originally issued Letter of Credit has an expiration date which is prior to one hundred (100) days after the Maturity Date of the Note; (7) A defaul t by the Borrower under its Letter of Credit reimbursement agreement with the Bank which remains uncured after the expiration of the time period authorized for cure of such a default under said reimbursement agreement; (8) The Borrower shall either (a) apply for or consent to the appointment of a receiver, trustee, liquidator or custodian or the like of its property, (b) fail to payor admit in writing its inability to pay its debts generally as they become due, (c) make a general assignment for the benefit of creditors, (d) be adjudicated a bankrupt or insolvent or (e) commence a voluntary case under the Federal bankruptcy laws of the United states of America or file a voluntary petition or answer seeking an arrangement with creditors or an order for relief or seeking to take advantage of any insol vency law or file an answer admitting the material allegations of a petition filed against it in any bankruptcy or insolvency proceeding; or (9) If without the application, approval or consent of the Borrower, a proceeding shall be instituted in any court of competent jurisdiction, under any law relating to bankruptcy, in respect of the Borrower, for an order for relief or an adjudication in bankruptcy, a composition or arrangement with creditors, a readjustment of debts, the appointment of a trustee, receiver, liquidator or custodian or the like of the Borrower or of all or any substantial part of the Borrower's assets, or other like relief in respect thereof under any bankruptcy or insolvency law, and, if such proceeding is being SBEO/0001/DOC/4041-2 5/24/00 dgw 21 ___I contested by the Borrower, in good faith, the; same shall (a) result in the entry of an order for relief or any such adjudication or appointment, or (b) continue undismissed, or pending and unstayed, for any period of ninety (90) consecutive days. B. Remedies. Upon the occurrence of an Event of Default hereunder, the city may, in its sole discretion, take anyone or more of the following actions: (I) By notice to the Borrower (unless an Event of Default is a Non-Curable Default as defined in Sections 16(A) (1) through (9) above in which case no notice shall be required), declare the entire principal balance of the Loan then unpaid together with interest accrued thereon immediately due and payable, and the same shall become due and payable without further demand, protest or further notice of any kind, all of which are expressly waived. Upon such declaration and in the event of a failure by the Bank to honor any attempted draw on the Letter of Credit by the City made in accordance wi th the terms of this Agreement in connection with such declaration, outstanding principal and (to the extent permitted by law) interest shall thereafter bear interest ("Default Interest") at the annual rate of interest equal to the lesser of (i) four percent (4%) above the rate of interest announced from time to time by Bank of America, Downtown San Bernardino Branch (or, in the event that said bank is acquired or ceases operations, then, if there is no successor bank, another established and financially secure institutional lender selected by the City), as its prime or reference rate, or; (ii) the maximum rate of interest permitted to be paid to the City pursuant to any applicable usury law, payable from the date of such declaration until paid in full; (2) Take action at law or in equity as may appear necessary or desirable, in the sole discretion of the City, in order to collect the amounts then due and thereafter to become due hereunder and under the Note, and to enforce performance and observance of any obligation, agreement or covenant of the Borrower under this Agreement or under any other document executed in connection herewith; (3) Take any and all actions and do any and all things which are allowed, permitted or provided by law, in equity or by statute to enforce and collect upon the Note, including without limitation suing on the Note or foreclosing legally or judicially on the Note; SBEO!OOOl/DOC/4041-2 5/24/00 dgw 22 (4) Upon the occurrence of an Event of Default which is occasioned by the Borrower's failure to pay money under this Agreement, the city may, but shall not be obligated to, make such payment from Loan proceeds or other funds of the city. If such payment is made from proceeds of the Loan or other funds of the city, the Borrower shall deposit with the City, upon written demand therefor, such sum plus interest at the Default Rate. In either case, the Event of Default with respect to which any such payment has been made by the City shall not be deemed cured until such repayment (as the case may be) has been made by the Borrower. until repaid, such amounts shall have the security afforded disbursements under the Note; and/or (5) Upon the occurrence of an Event of Default described in Section 16 (A) (6) or 16 (A) (7) hereof, the City shall be entitled and empowered by intervention in such proceedings or otherwise to file and prove a claim for the whole amount owing and unpaid on the Loan and, in the case of commencement of any judicial proceedings, to file such proof of claim and other papers or documents as may be necessary or advisable in the judgment of the City and its counsel to protect the interests of the City and to collect and receive any monies or other property in satisfaction of its claim. C. No Remedv Exclusive. No remedy herein conferred upon or reserved to the City is intended to be exclusive of any other available remedy or remedies, but each such remedy shall be cumulative and shall be in addition to every other remedy given under this Agreement or now existing at law or in equity or by statute; and may be exercised in such number, at such times and in such order as the City may determine in its sole discretion. No delay or omission to exercise any right or power upon the occurrence of any Event of Default hereunder shall impair any such right or power or shall be construed to be a waiver thereof, but any such right and power may be exercised from time to time and as often as may be deemed expedient by the City. In order to entitle the City to exercise any right or remedy reserved to it under this Agreement, no notice shall be required except as expressly provided herein. 17. DISBURSEMENT OF LOAN PROCEEDS. Loan proceeds shall be disbursed by wire transfer (pursuant to wiring instructions to be provided by the Borrower) or check to the Borrower or to an escrow company to fund the Project, and at such time as the City receives the required CDBG funds from HUD, and SBEO/0001/DOC/4041-2 5/24/00 dgw 23 provided that all the other conditions set forth in Section 6 above have been satisfied. 18. AGREEMENT TO PAY ATTORNEYS' FEES AND EXPENSES. The Borrower agrees to payor reimburse the city, upon demand by the City, for all reasonable out-of-pocket costs incurred by the City in connection with the enforcement of this Agreement, the Note, including without limitation, reasonable attorneys' fees and costs (i) if the City shall determine to utilize an attorney to collect any sums due under this Agreement or any other documents executed in connection wi th this Agreement following any defaul t by the Borrower, or Iii) if the City becomes a party or otherwise appears in any legal proceeding relating to this Agreement or any documents issued hereunder or in connection herewith, or (iii) if there shall be filed by or against the Borrower any proceedings under any federal or state bankruptcy or insolvency laws, whether the City is a creditor in such proceeding or otherwise. For the purposes of this Agreement, the phrase "reasonable attorneys' fees" shall include the salaries, overhead and benefits of the city Attorney for the City of San Bernardino and the attorneys employed in his office. 19. CONFLICT OF INTEREST; NO INDIVIDUAL LIABILITY. No official or employee of the City shall have any personal interest, direct or indirect, in this Agreement, nor shall any official or employee of the City participate in any decision relating to this Agreement which affects such official's or employee's pecuniary interest in any corporation, Partnership or association in which such official or employee is directly or indirectly interested. No official or employee of the City shall be personally liable in the event of a breach of this Agreement by the City. 20. AMENDMENTS, CHANGES AND MODIFICATIONS. This Agreement may not be amended, changed, modified, altered or terminated without the prior written consent of the Parties. 21. EXECUTION OF COUNTERPARTS. This Agreement may be executed in several counterparts each of which shall be an original and all of which shall constitute one and the same document. SBEO/OOOI/DOC/4041-2 5/24/00 dgw 24 22. NOTICES. All notices to be given under this Agreement shall be in writing and shall be delivered personally, by Federal Express or other like overnight courier or by certified or registered United States Mail, return receipt requested. Any notice shall be effective upon delivery or refusal to accept delivery, if delivered personally, one (1) day after deposit with the Overnight courier, if delivered by Federal Express or other like Overnight courier, and two (2) days after mailing, if delivered by certified or registered United States Mail. Notices to the Borrower shall be sent to the following address: Ocelot Engineering, Inc. dba Chaparral Motor Sports 555 South "HH Street San Bernardino, California 92410 Attn: David Damron Notices, reports and statements to the City shall be delivered or sent to the following address: City of San Bernardino 300 North "D" Street San Bernardino, California 92418 At tn: Mayor With a copy to: Sabo & Green, A Limited Liability Partnership 201 North "E" Street, Suite 300 San Bernardino, California 92401 Attn: Timothy J. Sabo, Esq. Each Party shall promptly notify the other Party of any change(s) of address to which notice shall be sent pursuant to this Agreement. 23. SEVERABILITY. The provisions provision. invalidity or unenforceability of anyone or more of this Agreement will in no way affect any other 24. INTERPRETATION. Whenever the context requires, all words used in the singular will be construed to have been used in the plural, and vice versa, and each gender will include any other gender. The captions of the paragraphs of this Agreement are for convenience only and do not SBEO!OOOl/DOC/4041-2 5/24/00 dgw 25 define or limit any terms or prov~s~ons. Time is of the essence in the performance of this Agreement. 25. NO WAIVER; CONSENTS. Any waiver by the City must be in writing and will not be construed as a continuing waiver. No waiver will be implied from any delay or failure by the City to take action on account of any defaul t of the Borrower. Consent by the City to any act or omission by the Borrower will not be construed to be a consent to any other or subsequent act or omission or to waive the requirement for the City's consent to be obtained in any future or other instance. 26. GOVERNING LAW. This Agreement shall be governed by the laws of the State of California. 27. AUTHORITY AND ENFORCEABILITY. The Borrower warrants and represents that its execution hereof has been duly authorized, that the individual (s) executing this Agreement are authorized to do so, and this Agreement constitutes a legal, valid and binding obligation of the Borrower. The Borrower further agrees to provide such documentation and an opinion of counsel, as requested by the City, with respect to such authority and enforceability. 28. LITIGATION AND COMPLIANCE. To the Borrower's actual knowledge, there are no suits, other proceedings or investigations pending or threatened against, or affecting the business or the properties of' the Borrower (other than those as have been previously disclosed in writing to the City) which could materially impair its ability to perform its obligations under this Agreement, nor is the Borrower in violation of any laws or ordinances which could materially impair the Borrower's ability to perform its obligations under this Agreement. 29. DEFAULT. To the Borrower's actual knowledge, there are no facts now in existence which would, with the giving of notice of the lapse of time, or both, constitute an "Event of Default" hereunder, as described in section 16. SBEO/0001/DOC/4041-2 5/24/00 dgw 26 IN WITNESS WHEREOF, the Parties have executed this Agreement as of the date and year first above written. BORROWER :::~ Davi Damron po rate Secretary By: Valles ATTEST: By: ~/J, ~ By: SBEO/OOOI/DOC/4041-2 5/24/00 dgw 27 EXHIBIT A PROMISSORY NOTE For value received, the undersigned, Ocelot Engineering, Inc., whose address is 555 South "H" Street, San Bernardino, CA 92410 ("Borrower"), promises to pay to the order of the City of San Bernardino ("city"), a municipal corporation, c/o Economic Development Agency at 201 North "E" Street, San Bernardino, California 92401, Attention: Barbara Lindseth, Accounting Manager (or at such other address as the City may direct), the principal sum of One Million Dollars ($1,000,000), or so much thereof as may be advanced hereunder from time to time, on or before , 200 (the "Initial Maturity Date"). The outstanding principal balance of this Promissory Note shall accrue no interest, except in the case of a default hereunder, as set forth below. This Promissory Note may be renewed by the City at its option in two (2) year intervals for a total term of this Note not to exceed six (6) years. The option of the City to renew this Note shall be exercised by and in the sole discretion of the Executive Director of the Redevelopment Agency of the City (the "Executive Director") and only upon a determination by the Executive Director that sufficient Community Development Block Grant ("CDBG") funds are available to the City to fund disbursements under this Promissory Note in addition to the other CDBG eligible activities of the City during any such optional renewal period. Such determination shall be made by the Executive Director at least ninety (90) days prior to the Applicable Maturity Date (as defined hereinbelow). If the City elects to renew this Promissory Note upon the expiration of the Initial Maturity Date, this Promissory Note shall, then, mature on , 200_ (the "First Optional Maturity Date"). If the City elects to renew this Promissory Note upon the expiration of the First Optional Maturity Date, this Promissory Note shall, then, mature on , 200_ (the "Second Optional Maturity Date") . The Initial Maturity Date, the First Optional Maturity Date and the Second Optional Maturity Date are, collectively, referred to herein as the "Applicable Maturity Date." This Promissory Note is made pursuant to the terms of the Loan Agreement dated as of , 2000 (the "Agreement"), entered into between Borrower and the City, and is secured by a direct pay, irrevocable, unconditional and callable upon demand letter of credit (the "Letter of Credit") issued by Bank of America or another acceptable bank legally undertaking business in California that is rated AA or better for short term debt by Moody's or Standard & Poor's for the account of Borrower in favor of the City. Exh. A - Page 1 Borrower shall, upon demand by the city, pay to the city, Mandatory Prepayments (as hereinafter defined) of principal and interest at such times and in such amounts as the City may determine from time to time in its sole discretion. As used herein, "Mandatory Prepayment" means a demand for prepayment by the City for the partial or total prepayment of the principal and/or interest due on the Loan evidenced by this Promissory Note. In the event of any Mandatory Prepayment, the City shall give Borrower ten (10) days written notice prior to the date such prepayment is due. Borrower shall also have the right to make Voluntary Prepayments, at any time, without penalty, upon at least ten (10) days prior written notice to the City. Borrower agrees that it will still be liable for repayment of this Promissory Note, even if the holder hereof does not follow the procedures of presentment, protest, demand, diligence, notice of dishonor and of nonpayment, which requirements are hereby waived by the Borrower. In the event of a default in the timely payment of principal on this Promissory Note, and/or upon the occurrence of an Event of Default (as defined in the Agreement), the City may, subject to any applicable notice requirements set forth in the Agreement and among other remedies, declare the unpaid balance hereof due and payable. Upon such declaration, outstanding principal shall thereafter bear interest at the annual rate of interest (the "Default Rate") equal to the lesser of (i) the rate of interest announced from time to time by Bank of America, Downtown San Bernardino Branch (or, in the event that said bank is acquired or ceases Operations, then, if there is no successor bank, another established and financially secure institutional lender selected by the City), as its prime or reference rate, or (ii) eight percent (8%), payable from the original date of this Promissory Note until paid in full. It is the intention of Borrower and City to conform strictly to the usury laws that are applicable to this Promissory Note. This Promissory Note and any other agreements between Borrower and the City are hereby expressly limited so that in no contingency or event whatsoever shall the amount paid or agreed to be paid to the City or the holder hereof exceed the maximum amount permissible under applicable usury laws. If under any circumstances fulfillment of any provision of this Promissory Note, the Agreement or any other agreement between Borrower and the City shall involve exceeding the limit of validity prescribed by the law, then the obligation to be fulfilled shall be reduced to the limit of such validity. All sums paid or agreed to be paid to the City or the holder, to the extent permitted by applicable law, and to the Exh. A - Page 2 extent necessary to preclude exceeding the limit of validity prescribed by law, shall be amortized, prorated, and allocated and spread from the date of disbursement of the proceeds of this Promissory Note until payment in full of this Promissory Note so that the actual rate of interest on account of such indebtedness is uniform throughout the term hereof. Borrower is responsible for reimbursement to the city for all costs incurred in connection with the enforcement of this Promissory Note, including attorneys' fees and costs, whether or not suit is filed, as is further provided in Section 16 of the Agreement. This Promissory Note shall be construed in accordance with and governed by the laws of the State of California. Borrower hereby submits to personal jurisdiction in San Bernardino County, California, for the enforcement of Borrower's obligations hereunder, and waives any defense to such jurisdiction, including, without limitation, any defense based on venue or inconvenient forum. Failure of the City to exercise any right or remedies hereunder shall not constitute a waiver of any future or other default. Amendments to this Promissory Note shall be in writing signed by the party against whom such amendment is sought to be enforced. DATED AS OF: , 2000. BORROWER Ocelot Engineering, Inc. By: David Damron Exh. A - Page 3 EXHIBIT B IRREVOCABLE LETTER OF CREDIT DATE OF ISSUE: DATE AND PLACE OF EXPIRY LETTER OF CREDIT NO. BENEFICIARY: Dear Sirs: At the request and for the account of we hereby establish in your favor our irrevocable letter of credit in the amount of ($) United States Dollars) available with ourselves by payment of your draft(s) drawn on us at sight, each accompanied by your signed and dated statement in the form of the Annex attached hereto. Each draft must be marked "Drawn under Bank, Letter of Credit No. dated , 200_ Partial drawings under this letter of credit are permitted. Each draft presented hereunder must also be accompanied by the original of this letter of credit upon which we may endorse the amount of our payment. Each draft must be presented to us, on or before 2000 on which date this letter of credit expires, at our above office. We hereby engage with you that each draft drawn and presented to us under and in compliance with the terms of this letter of credi t will be duly honored by us at or before our close of business on the same banking day of our receipt of such draft provided such draft is presented at or prior to 12: 00 noon; otherwise, any draft presented after 12:00 noon shall be honored at or before our close of business on the first banking day following Exh. B - Page 1 receipt of such draft. Each payment made by us hereunder shall be made in immediately available United States Dollars. This letter of credit is subject to the Uniform Customs and Practice for Documentary Credits (1993 Revision) International Chamber of Commerce Publication No. 500. By: Annex to Letter of Credit No. Bank STATEMENT an authorized officer of the City of San Bernardino hereby certify that the City is making demand for payment Bank, Letter of Credit No. in respect of amounts (i) owed as of the date of this Statement by Ocelot Engineering, Inc., (the "Borrower") under that certain Loan Agreement dated as of , 2000 (the "Agreement"), by and between the Borrower and the City and/or (ii) otherwise permitted to be drawn from said Letter of Credit as provided in the Agreement. I, ("City") , under (Insert Date) By: Its: Mayor Exh. B - Page 2 EXHIBIT C PROSPECTIVE EMPLOYEE OUESTIONNAIRE COMMUNITY DEVELOPMENT BLOCK GRANT PROGRAM DIRECT BENEFIT CERTIFICATION FOR ECONOMIC DEVELOPMENT CERTIFICATION OF FAMILY SIZE AND INCOME Familv Size Familv Income 1 2 3 4 5 6 7 8 $27,950 31,900 35,900 39,000 43,100 46,300 49,500 52,650 My current yearly family income is less than the income level shown above for my family size. I understand this information is subject to verification by authorized government officials. Name: Address: Date: Signature: QUESTIONS BELOW TO BE ANSWERED BY EMPLOYER OR INTERVIEWER: The person signing the certification was interviewed for employment and not hired: The person signing the certification was hired for employment: He/She works hours per week. Signature of interviewer : THIS CERTIFICATION FORM MAY BE USED TO DOCUMENT DIRECT BENEFIT TO LOW AND MODERATE INCOME INDIVIDUALS FOR JOB CREATION OR RETENTION ACTIVITIES. Exh. C - Page 1 THE FAMILY INCOMES SHOWN ON THE ABOVE CERTIFICATION ARE APPLICABLE FOR SAN BERNARDINO COUNTY AND ALL CITIES WITHIN THE COUNTY AS OF , 2000. Exh. C - Page 2 EXHIBIT D CITY OF SAN BERNARDINO ANNUAL FACILITY EMPLOYMENT SURVEY Borrower Name: Address: Street City State Zip Telephone: (area code) Employment Survey for period commencing and ending Permanent* Temporarv* Total number of employees Total number of low and moderate income employees PLEASE ATTACH ALL PROSPECTIVE EMPLOYEE QUESTIONNAIRES COMPLETED DURING THE PAST YEAR. THE ANNUAL INCOME OF LOW AND MODERATE INCOME EMPLOYEES SHOULD NOT EXCEED THE SECTION 8 LOWER INCOME LIMIT AS DETERMINED BY HUD. REQUEST INCOME REQUIREMENT DATA FROM THE COMMUNITY DEVELOPMENT COMMISSION. Return to: * All part-time employees must be reflected on a full-time equivalence based upon total hours worked. Exh. D - Page 1