Loading...
HomeMy WebLinkAboutCDC/1999-25 (See Also Res 1999-187) 1 RESOLUTION NO. CDC 1999-25 2 A RESOLUTION OF THE COMMUNITY DEVELOPMENT COMMISSION OF THE CITY OF SAN BERNARDINO APPROVING THE DISPOSITION OF CERTAIN LANDS BY THE REDEVELOPMENT AGENCY OF THE CITY OF SAN BERNARDINO TO CENTURY CROWELL COMMUNITIES, L.P., ON THE TERMS SET FORTH IN A DISPOSITION AND DEVELOPMENT AGREEMENT (CENTURY CROWELL COMMUNITIES) 3 4 5 6 7 WHEREAS, the Redevelopment Agency of the City of San 8 Bernardino (the "Agency") owns or has a beneficial interest in 9 certain subdivided lands in Resolution referred to this 10 collectively as the "Sites" which are situated within the 11 redevelopment project area of the Northwest Redevelopment Project 12 described as: 13 14 (i) Lot Nos. 6 through 13, inclusive and Lot Nos. 15 27-42, inclusive of Subdivision Tract Map No. 16 11261 (the "Phase I Site"); and 17 1 38, of (ii) Lot Nos. through inclusive 18 Subdivision Tract Map No. 13822 (the "Phase II 19 Site"); and 20 21 WHEREAS, the City of San Bernardino (the "City") aquired the 22 Phase I Site under the terms of a 1989 tax-defaulted property sale 23 agreement with the County of San Bernardino (Westlands Bank) and 24 the Agency aquired the Phase II Site from Dukes-Dukes and 25 Associates; and 26 27 SBEO/OOOl/DOC/3522 28 7/9/99 948 rp 1 CDC 1999-25 1 WHEREAS, Dukes-Dukes and Associates undertook the 2 redevelopment of the Phase I Site and the Phase II Site pursuant to 3 an agreement which was cancelled following the approval of an 4 "Agreement for Relinquishment of Rights and Forgiveness of 5 Obligations" dated as of February 21, 1994 by and between Dukes- 6 Dukes and Associates and the Agency; and 7 8 WHEREAS, in calendar year 1998, the Agency circulated a 9 written request for proposals among qualified developers of 10 affordable single family residential dwelling units in which the 11 Agency solicited proposals for the disposition and redevelopment of 12 the Sites on terms acceptable to the Agency, and 13 14 WHEREAS, based upon a review and evaluation of the proposals 15 submitted to the Agency, the Community Development Commission of 16 the City of San Bernardino (the "Commission") as the governing 17 board of the Agency selected the proposal submitted by Century 18 Crowell Communities, L.P., a California limited partnership (the 19 "Developer") for further study and evaluation pursuant to the terms 20 of an instrument entitled "Exclusive Right to Negotiate for 21 Property Acquisition and Redevelopment Assistance Between Century 22 Crowell Communities, L.P. and the Redevelopment Agency of the City 23 of San Bernardino" dated as of February 1, 1999; and 24 25 WHEREAS, the Agency staff have prepared a draft of a 26 Disposition Development Agreement (the "Agreement") for the 27 SBEO/000l/DOC/3522 28 7/9/99 948 rp 2 CDC 1999-25 1 disposition of the Sites to the Developer together with a report 2 which summarizes the key terms of the Agreement and describes the 3 manner in which the proposed disposition of the Sites to the 4 Developer will assist in the elimination of blight (the "33433 5 Report"); and 6 7 WHEREAS, it is appropriate for the Commission to take the 8 actions with respect to disposition of the Sites to the Developer 9 and approve the Agreement as set forth in this Resolution. 10 11 NOW, THEREFORE, THE COMMUNITY DEVELOPMENT COMMISSION ACTING ON 12 BEHALF OF THE REDEVELOPMENT AGENCY OF THE CITY OF SAN BERNARDINO 13 DOES HEREBY RESOLVE, DETERMINE AND ORDER AS FOLLOWS: 14 15 Section 1. On July 19, 1999, the Commission conducted a 16 full and fair joint public hearing with the Mayor and Common 17 Council of the City of San Bernardino relating to the disposition 18 and redevelopment of the Sites by the Developer pursuant to the 19 terms and conditions of the Agreement. The minutes of the Agency 20 Secretary for the July 19, 1999 meeting of the Commission shall 21 include a record of all communication and testimony submitted to 22 the Commission and to the Mayor and Common Council by interested 23 persons relating to the joint public hearing, the 33433 Report and 24 the approval of the Agreement. 25 26 27 SBEO/OOOl/DOC/3522 28 7/9/99 948 rp 3 1 CDC 1999-25 Section 2. A copy of the Agreement in the form submitted 2 at the joint public hearing is on file with the Agency Secretary. 3 The Commission hereby finds and determines as follows: 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 (i) the disposition and redevelopment of the Sites by the Developer in with is the accordance Agreement consistent with the Redevelopment Plan the for Northwest Redevelopment the Agency Project and Implementation Plan; (ii) the terms and conditions of the Agreement contain assurances that the Sites will be redeveloped for affordable single family residential dwelling use purposes as permitted under the Redevelopment Plan; (iii) the purchase price for the Sites payable by the Developer to the Agency, subject to the satisfaction of the terms and conditions of the Agreement, is an amount which the Commission declares to be fair, just and reasonable, and that the disposition of the Sites on the terms set forth in the Agreement shall materially benefit and sustain implementation of the the Redevelopment Plan and assist the community to increase the supply of affordable single family residential dwelling units available to persons and households of a low- and moderate income; SBEO/OOOl/DOC/3522 28 7/9/99 948 rp 4 CDe 1999-25 1 (iv) the consideration payable by the Developer to the 2 Agency for the disposition of the Sites (e .g.: 3 $434,000.00 in cash payable to the Agency at the close 4 of the escrow and the assumption by the Developer of 5 the obligation of complete the the Agency to 6 installation of the off-site public improvements for 7 Subdivision Tract Map No. 13822) is an amount which is 8 not less than the fair reuse value of the Sites at the 9 use and with the affordable single family dwelling 10 occupancy and maintenance covents and other terms, 11 conditions and development costs authorized in the 12 Agreement. 13 14 Section 3. The Commission hereby finds and determines that 15 no further environmental review by the Agency of the disposition 16 and redevelopment of the Sites of the Developer pursuant to the 17 terms and conditions of the Agreement is necessary at this time 18 under the California Environmental Quality Act, as amended, in 19 light of the following facts: 20 21 the final subdivision tract maps for the Sites have (i) 22 previously been recorded and the redevelopment of the 23 Sites by the Developer pursuant to the Agreement will 24 not require any revision or change in the approved 25 subdivision tract maps for the Sites; and 26 27 SBEO/OOOl/DOC/3522 28 7/9/99 948 rp 5 CDC 1999-25 1 (ii) the redevelopment of the Sites by the Developer 2 pursuant to the Agreement does not involve any new 3 significant increase in the severity of previously 4 identified environmental were not effects which 5 previously considered as part of the approval of the 6 subdivision tract maps for the Sites; and 7 8 (iii) the Sites are situated in the redevelopment proj ect 9 area of the Northwest Redevelopment proj ect and by 10 virtue of the facts set forth in subparagraph (i) and 11 (ii) above, pursuant to the provisions of Title 14 12 California Code of Regulation Section 15180, no further 13 review of the potential effect of the redevelopment of 14 the Sites in accordance with the Agreement is required 15 at this time under CEQA and the Final EIR for the 16 Northwest Redevelopment Project. 17 18 The Commission hereby approves, receives and Section 4. 19 files the 33433 Report and the Agreement in the form as submitted 20 at this joint public hearing. 21 22 The Commission hereby approves the disposition Section 5. 23 of the Sites to the Developer on the terms set forth in the 24 Agreement. The Chair of Commission and the Executive Director are 25 hereby authorized and directed to execute the Agreement on behalf 26 of the Agency together with such technical and conforming changes 27 SBEO/OOOl/DOC/3522 28 7/9/99 948 rp 6 CDC 1999-25 1 as may be recommended by the Executive Director and approved by the 2 Chair of the Commission. The signatures of the Chair of the 3 Commission and the Executive Director on the Agreement shall 4 provide conclusive evidence that the Agreement has taken effect. 5 In the event that the Agreement may not be fully executed by the 6 parties for any reason within thirty (30) days following the date 7 of adoption of this Resolution, the authorization granted to the 8 Chair of the Commission and the Executive Director to execute the 9 Agreement on behalf of the Agency shall be of no further force or 10 effect. 11 12 Section 6. Provided that the Agreement has been fully 13 executed by the parties wi thin the period of time set forth in 14 Section 5 of this Resolution, the Executive Director of the Agency 15 is hereby authorized and directed to take all actions set forth in 16 the Agreement on behalf of the Agency to close the escrow 17 transaction described therein. The Chair of the Commission and the 18 Executive Director are further authorized and directed to execute 19 an acknowledgement of acceptance of transfer of title of the Phase 20 I Site from the City pursuant to the Resolution of the Mayor and 21 Common Council of even date herewith, and to execute the final form 22 of the Agency Grant Deed transferring title in the Sites from the 23 Agency to the Developer upon satisfaction of the applicable 24 conditions for the close of the escrow set forth in the Agreement. 25 26 27 SBEO/OOOl/00C/3522 28 7/9/99 948 rp 7 CDC 1999-25 1 A RESOLUTION OF THE COMMUNITY DEVELOPMENT COMMISSION OF THE CITY OF SAN BERNARDINO APPROVING THE DISPOSITION OF CERTAIN LANDS BY THE 2 REDEVELOPMENT AGENCY OF THE CITY OF SAN BERNARDINO TO CENTURY CROWELL COMMUNITIES, L.P., ON THE TERMS SET FORTH IN A DISPOSITION 3 AND DEVELOPMENT AGREEMENT (CENTURY CROWELL COMMUNITIES) 4 Section 7. This Resolution shall become effective 5 immediately upon its adoption. 6 I HEREBY CERTIFY that the foregoing Resolution was duly 7 adopted by the Community Development Commission of the City of 8 San Bernardino at a joint regular 9 thereof, held on the 19th 10 by the following vote, to wit: 11 meeting day of July , 1999, 18 19 The foregoing Resolutiori"1s hereby approved this ;?~~ day of ~, 1999. 20 July 21 22 23 24 Agency Counsel 25 26 27 SBEO/OOOl/DOC/3522 28 7/9/99 948 rp ~:.(;(((J ~u "th valles, Chairperson C mmurity Development Commission f tHe City of San Bernardino I ~onteht : 8 CDC 1999-25 RECORDING REQUESTED BY AND WHEN RECORDED MAIL TO: REDEVELOPMENT AGENCY OF THE CITY OF SAN BERNARDINO 201 North "E" Street, Suite 301 San Bernardino, California 92401 (Space Above Line for Use By Recorder) DISPOSITION AND DEVELOPMENT AGREEMENT BY AND BETWEEN REDEVELOPMENT AGENCY OF THE CITY OF SAN BERNARDINO AND CENTURY CROWELL COMMUNITIES, L.P. a California Limited Partnership SBEO/0001/DOC/3477-5 8/18/99 1115 sk CDC 1999-25 DISPOSITION AND DEVELOPMENT AGREEMENT THIS DISPOSITION AND DEVELOPMENT AGREEMENT ("Agreement") s entered into as of July 1, 1999, by and between the REDEVELOPMENT AGENCY OF THE CITY OF SAN BERNARDINO, a public body corporate and poli tic (the "Agency") and CENTURY CROWELL COMMUNITIES, LP, a California limited partnership (the "Developer"). Agency and Developer hereby agree as follows: Section 1.01. Purpose of Agreement. The purpose of this Agreement is to effectuate various redevelopment plans of the Agency by making available affordable housing for low- and moderate-income homebuyers and to cause the residential development of two single family housing tracts (the "Sites"). The Sites are situated within the redevelopment project area of the State College Redevelopment proj ect in the City of San Bernardino, California (the "City"). A legal description of the Sites is attached hereto as Exhibit "A" and incorporated herein by this reference. The development of the Sites pursuant to 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 public purposes and provisions of applicable state and local laws. The Agency has determined that the development and uses contemplated by this Agreement will benefit the low- and moderate-income housing needs of the City as well as the various redevelopment project areas of the City. Section 1. 02 . The Sites. The Sites, which are designated as Subdivision Tract Map No. 11261 (the "Phase I Site"), and as Subdivision Tract Map No. 13822 (the "Phase II Site"), consist of a total of SIXTY-TWO (62) subdivided lots: (i) TWENTY- FOUR (24) of these subdivided lots are in the Phase I Site (each lot in the Phase I Site, a "Phase I Lot"); and (ii) THIRTY-EIGHT (38) of these subdivided lots are in the Phase II Site (each lot in the Phase II Site, a "Phase II Lot"). Promptly following the purchase of the Sites from the Agency the Developer shall undertake the development, improvement, marketing and sale of single family detached residential homes on each Phase I Lot and on each Phase II Lot. The provisions of this Agreement are applicable to the Sites in their entirety. Section 1.03. Parties to the Agreement. (a) The Agency. The Agency is 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 (Health and Safety SBEO/0001/DOC/3477-5 8/18/99 1115 sk 1 CDC 1999-25 Code Section 33020, et ~.) located at 201 North "E" California 92401. The principal office of the Agency is Street, Suite 301, San Bernardino, (b) The Developer. The Developer is Century Crowell Communities, L.P., a California limited partnership. The principal office and mailing address of the Developer for purposes of this Agreement is: 1535 South "0" Street, Suite 200, San Bernardino, California 92408. Section 1.04. Prohibition Against Change in Ownership, Management and Control of Developer and Assiqnment of Agreement. The qualifications and identity of the Developer are of particular concern to the Agency. It is because of those qualifications and identity that the Agency has entered into this Agreement with the Developer. No voluntary or involuntary successor in interest of the Developer shall acquire any rights or powers under this Agreement except as expressly set forth herein. Except as set forth in Section 3.04, the Developer shall not assign all or any part of this Agreement or any rights hereunder prior to the issuance of the final Certificate of Completion with respect to the Sites without the prior written approval of the Executive Director of the Agency, which approval shall not be unreasonably withheld or delayed. The Developer shall promptly notify the Agency in writing of any material change in the identity of the parties either comprising or in control of the Developer, as well as any and all changes in the interest or the degree of control of the Developer by any such party, of which information the Developer or any of its partners or officers has been notified or may otherwise have knowledge or information. This Agreement may be terminated by the Agency prior to the Close of the Escrow as set forth in Section 2.03 if there is any material change, whether voluntary or involuntary, in membership, ownership, management or control of the Developer (other than such changes occasioned by the death or incapacity of any individual) that has not been approved by the Agency prior to the time of such change or the Agency may seek other appropriate relief in the event that at any time following the Close of Escrow and prior to issuance of the final Certificate of Completion such a material change in the ownership, or control of the Developer occurs with respect to the Sites; provided, however, that (A) the Agency shall first notify the Developer in writing of its intention to terminate this Agreement or assert any other such remedy, and (B) the Developer shall have twenty (20) calendar days following its receipt of such written notice to SBEO/0001/DOC/3477-5 8/18/99 1115 sk 2 CDC 1999-25 commence and thereafter diligently and continuously proceed with the cure of the default of the Developer hereunder and submit evidence of the initiation of satisfactory completion of such cure to the Agency in a form and substance deemed satisfactory to the Agency, in its reasonable discretion. For the purpose of this Section 1.04 the words "material change" refer to any total or partial sale, assignment, or conveyance, or any trust power or any transfer in any other mode or form by the Developer of more than a forty-nine percent (49%) interest of the ownership of the Developer, andlor a series of such sales, assignments or conveyances which in the aggregate exceed a disposition or change of more than a forty-nine percent (49%) interest of the ownership of the Developer. Section 1.05. Benefit to Project Areas. The Agency has determined that the development of the Sites in accordance with this Agreement will eliminate blight and provide needed low- and moderate-income housing to the various project areas of the Agency as well as to areas in proximity thereto, which housing is needed due to the insufficiency of such housing within the City generally. ARTICLE II DISPOSITION OF SITES Section 2.01. Purchase and Sale of the Sites. Subject to all of the terms, conditions and provisions of this Agreement, and for the consideration of the Purchase Price as herein set forth, the Agency hereby agrees to sell and the Developer hereby agrees to purchase the following: all of the right, tile and interest of the Agency in the Sites as more fully described in Exhibit "A," including all right, title and interest of the Agency in and to any land lying in the right-of-way of any existing or proposed highway, street, road, avenue or alley abutting or adjoining the Sites, but excepting therefrom any prepaid development entitlement and public facilities capi tal fees, including without limitation, sewer capacity charge entitlements or credits applicable to the Sites which the Agency has previously paid to the City. The purchase price which the Agency agrees to accept from the Developer and which the Developer agrees to pay to the Agency for the Sites is the sum of FOUR HUNDRED THIRTY-FOUR THOUSAND DOLLARS ($434,000.00) in United States currency(the "Purchase Price"). SBEO/0001/DOC/3477-5 8/18/99 1115 sk 3 CDC 1999-25 Section 2.02. Return of Deposit. Payment of Purchase Price: Apolication or (a) As of the date of this Agreement, the Developer has deposited the sum of Ten Thousand Dollars ($10,000.00) with the Agency pursuant to that certain instrument entitled "Exclusive Right to Negotiate for Property Acquisition and Redevelopment Assistance Between Century Crowell Communities, LP and the Redevelopment Agency of the City of San Bernardino" dated as of February 15, 1999. Within five (5) days following the execution of this Agreement by both parties, the Developer shall deliver to the Escrow Holder (as hereinafter defined) the sum of Fifteen Thousand Dollars ($15,000.00) and the Agency shall transfer to the Escrow Holder for the account of the Developer the sum of Ten Thousand Dollars ($10,000.00) from the moneys tendered by the Developer under said Exclusive Right to Negotiate. The aggregate sum of such $25,000.00 as delivered to the Escrow Holder, is referred to in this Agreement as the "Deposit." Upon its receipt of the Deposit and a fully executed copy of this Agreement, the Escrow Holder shall cause the Escrow (as hereinafter defined) to be opened as provided in Section 2.03, and the Escrow Holder shall place the Deposit into an interest-bearing escrow account with the interest thereon to accrue to the benefit of the Developer. At the Close of Escrow (as hereinafter defined), the Deposit shall be applied as a credit to the Purchase Price. (b) Payment of Balance of Purchase Price. The Purchase Price, less the Deposit, shall be tendered by the Developer to the Escrow Holder on the Closing Date (as hereinafter defined) for disbursement to the Agency upon the Close of Escrow as follows: (i) a promissory note of the Developer (the "Promissory Note") payable to the Agency in the principal sum of TWO HUNDRED SIXTY-SIX THOUSAND DOLLARS ($266,000.00). The Promissory Note shall be secured by a Deed of Trust as set forth below, and shall include the following terms: (A) a maturity date of five (5) years from its date (e.g. the Close of Escrow); (8) no interest shall accrue on the outstanding principal balance of the Promissory Note except in the case of default; (ii) the balance of the Purchase Price in cash or immediately available funds. The parties acknowledge that an estimate as of the date of this Agreement of the balance of the Purchase Price payable in cash (net of the Promissory Note SBEO/0001/DOC/3477-5 8/18/99 1115 sk 4 CDC 1999-25 but without deductions for other charges, credits or lien releases) appears to be approximately ONE HUNDRED FORTY-THREE THOUSAND DOLLARS ($143,000.00). A deed of trust covering the Phase II Site shall secure the Promissory Note (the "Deed of Trust"). The Deed of Trust shall provide for the partial release and reconveyance of each of the Phase II Lots prior to maturity of the Promissory Note in accordance with the following formula: $7,000.00 for each Phase II Lot requested for partial release plus a partial release and reconveyance charge of $50.00 for each Phase II Lot released. The Agency shall agree to subordinate the Deed of Trust to a construction loan, the proceeds of which shall be used and applied by the Developer solely for the improvement and development of the Phase II Site upon the presentation of a payment guarantee of the Promissory Note in favor of the Agency by the general partners of the Developer. Such subordination of the Deed of Trust shall be evidenced by: (A) a construction loan subordination agreement by and between the Developer and the Agency for the benefit of such construction lender which contains the provisions required under Section 3.05 and the covenant of the Developer and the construction lender that the construction loan documentation shall not be amended or modified in any respect which materially and adversely affects the interest of the Agency without the approval of the Agency, which approval shall not be unreasonably wi thheld. The construction lender shall provide the Agency with a true and complete set of the construction loan documents to which the Deed of Trust shall be subordinate; and (B) the payment guarantee of the Promissory Note in favor of the Agency by the general partners of the Developer. The form of the Promissory Note; the Deed of Trust, and the payment guarantee are attached hereto as Exhibit "B" and incorporated herein by this reference. (c) In the event that (i) the Agency or the Developer terminates this Agreement pursuant to Section 2.03(a) or (ii) the Developer does not deliver its Due Diligence Approval Certificate (as hereinafter defined) to the Escrow Holder pursuant to Section 2.03(b) and this Agreement is terminated; or (iii) the Developer's conditions precedent to the Close of Escrow described in Section 2.16(1), (2), (3), (5), or (6) are not satisfied (unless satisfaction has been waived by the Developer) and this Agreement is terminated; or (iv) the Sites suffer damage prior to the Close of Escrow, or an action of eminent domain is commenced by a SBEO/0001/DOC/3477-5 8/18/99 1115 sk 5 CDC 1999-25 governmental entity with respect to the Sites prior Escrow, and the Developer elects to terminate pursuant to Section 2.25, then the Deposit (less an the customary and reasonable escrow cancellation Escrow Holder) shall be returned to the Developer. to the Close of this Agreement amount equal to charges of the Section 2.03. Opening and Closing of Escrow. (a) The transfer and sale of the Sites shall take place through an Escrow (the "Escrow") to be administered by First American Title Insurance Company: Escrow Department or such other escrow or title insurance company mutually agreed upon by the Seller and the Agency (the "Escrow Holder"). The Escrow shall be deemed open ("Opening of Escrow") upon delivery of a fully executed copy of this Agreement and the Deposit to the Escrow Holder. The Escrow Holder shall promptly confirm to the parties the escrow number and the title insurance order number assigned to the Escrow. (b) In the event that the Developer has not delivered its Due Diligence Approval Certificate to the Agency and the Escrow Holder within sixty (60) days from the Opening of Escrow for any reason, then in such event this Agreement shall terminate upon written notice to the Escrow Holder from either the Agency or the Developer, whereupon the Deposit shall be returned by the Escrow Holder to the Developer (less an amount equal to the customary and reasonable escrow cancellation charges payable to the Escrow Holder) without further or separate instruction to the Escrow Holder, and the parties shall each be relieved and discharged from all further responsibility or liability under this Agreement. (c) Provided that the Developer has delivered its Due Diligence Approval Certificate within the period of time authorized in Section 2.03(b), then the Closing Date of the Escrow shall occur within thirty (30) days thereafter, subject to the provisions of Section 2.16 and Section 2.17. The words "Close of Escrow," "Closing Date" and "Closing" shall mean and refer to the date when the Escrow Holder is in receipt of the Purchase Price and the related Escrow documents of the parties and the Escrow Holder is in a position to comply with the final written instructions of the parties and cause the Agency Grant Deed for the Sites to be recorded and the policy of insurance for the Sites to be delivered to the Developer. (d) The parties mutually covenant and agree to execute all necessary or appropriate written Escrow instructions as may be requested by the Escrow Holder. The Developer shall be solely responsible for the payment of the escrow cancellation costs of the Escrow Holder in any such event. SBEO/0001/DOC/3477-5 8/18/99 1115 sk 6 CDe 1999-25 Section 2.04. Escrow Instructions. This Agreement also consti tutes escrow instructions of the parties to the Escrow Holder. Additionally, the Developer and the Agency each agree to execute the customary supplemental escrow instructions of the Escrow Holder in the form provided by the Escrow Holder to its clients in real property escrow transactions administered by it. In the event of a conflict between the additional terms of such customary supplemental escrow instructions of the Escrow Holder and the provisions of this Agreement, this Agreement shall supersede and be controlling. Upon any termination of this Agreement or cancellation of the Escrow, the Escrow Holder shall forthwith return all monies (as provided in this Agreement) and documents, less only the Escrow Holder I s customary and reasonable escrow cancellation fees and expenses, as set forth herein. Section 2.05. Conveyance of Title. On or before 12:00 noon on the business day preceding the Closing Date, the Agency shall deliver to the Escrow Holder a grant deed in the form attached hereto as Exhibit "c" (the "Agency Grant Deed") duly executed and acknowledged by the Agency, which Agency Grant Deed shall convey all of the right, title and interest of the Agency in the Sites to the Developer as set forth in Section 2.01. The Escrow Holder shall be instructed to record the Agency Grant Deed in the Official Records of San Bernardino County, California, if and when Escrow Holder holds the various instruments and funds for the accounts of the parties as set forth herein and can obtain for the Developer a CLTA owner's extended coverage policy of title insurance ("Title Policy") issued by First American Title Insurance Company or such other title insurance company mutually agreed upon by the parties ("Title Company") with liability in an amount equal to the Purchase Price together with such endorsements to the policy as may be reasonably requested by the Developer, insuring that the Sites consist of a total of sixty-two (62) lots pursuant to the Subdi vision Map Act with fee title to the Sites vested in the Developer (or the Developer's assignee or nominee) free and clear of exceptions and subject only to: (1) non-delinquent real property taxes; (2) non-monetary title exceptions approved by the Developer pursuant to Section 2.13 below; (3) applicable provisions of the subdivision maps for the Sites; (4) the provision of the Agency Grant Deed; (5) the applicable provisions of this Agreement; and SBEO/OOOl/DOC/3477-5 8/18/99 1115 sk 7 CDC 1999-25 (6) such other title exceptions, if any, resulting from documents being recorded or delivered through Escrow. Section 2.06. Additional Closing Obliaations of Agency. On or before 12:00 noon on the business day preceding the Closing Date (unless indicated otherwise), the Agency shall deliver to the Escrow Holder (unless indicated to be delivered directly to the Developer) copies of the following documents and other items: (1) a certificate of non-foreign status (the "Non- Foreign Affidavit") executed by the Agency, in the customary form provided by the Escrow Holder, and a California Franchise Tax Board Form 590-RE executed by the Agency; (2) all soils, seismic, geologic, drainage, toxic waste and environmental reports, surveys, "as-built" plans and specifications, working drawings, grading plans, elevations and similar information with respect to the Sites heretofore obtained by the Agency, if any, which the Agency has in its possession andlor control to the extent that originals of such items have not been delivered previously by the Agency to the Developer pursuant to Section 2.08 below; (3) Statement Agency; two (2) duplicate original copies of the Closing described in Section 2.21, duly executed by the (4) evidence of the existence, organization and authori ty of the Agency and of the authority of persons executing documents on behalf of the Agency reasonably satisfactory to the Escrow Holder and Title Company; and (5) any other documents, instruments, funds and records required to be delivered to the Developer under the terms of this Agreement which have not been previously delivered. Section 2.07. Closing Obligations of Developer. On or before 12:00 noon on the business day preceding the Closing Date, the Developer shall deliver to the Escrow Holder copies of the following documents and other items: (1) an acknowledgment and acceptance of the Agency Grant Deed, duly executed and acknowledged by the Developer. (2) two (2) duplicate original copies of the Closing Statement, duly executed by the Developer. the (3) Deed an original and duly executed Promissory Note, and of Trust in recordable form, and the Payment SBEO/0001/DOC/3477-5 8/18/99 1115 sk 8 CDC 1999-25 Guarantee of the general partner of the Developer, if applicable. (4) evidence of the existence, organization and authority of the Developer and of the authority of persons executing documents on behalf of the Developer reasonably satisfactory to the Escrow Holder and the Title Company. (5) evidence of the submission of improvement and completion bonds which name the City of San Bernardino as the beneficiary in a principal amount sufficient in the reasonable opinion of the City Engineer of the City of San Bernardino and otherwise satisfactory in form to the City Engineer of the Ci ty of San Bernardino to assure the completion by the Developer of the installation of the subdivision public improvements required for the Phase II Site by a date no later than three (3) years following the Close of Escrow. (6) the original and duly executed form of the construction lender subordination agreement, affecting the Deed of Trust; provided that such construction loan is in a condition to be funded concurrently with the Close of Escrow. (7) any other documents, instruments or funds required to be delivered by the Developer under the terms of this Agreement or as otherwise required by Escrow Holder or Title Company in order to close Escrow which have not previously been delivered. Section 2.08. Inspections and Review. (a) Due Diligence Items. Within five (5) days after the execution of this Agreement, the Agency shall deliver true, correct and complete copies or originals of the following documents and items (collectively, "Due Diligence Items") to the Developer: (1) copies of all soils, seismic, geologic, drainage, toxic waste, engineering, environmental and similar type reports and surveys (including, but not limited to, any Phase I andlor Phase II Environmental Site Assessments), surveys, building grading plans, drawings (including "as-built" plans and specifications), schematics, blueprints and working drawings for the improvement of the Sites, if any, in the possession or control of the Agency and correspondence relating thereto, if any, within the Agency's possession or control. SBEO/0001/DOC/3477-5 8/18/99 1115 sk 9 CDC 1999-4!5 (2) notices of violations, including, but not limited to, zoning ordinances, development or building codes affecting the Sites within the Agency's possession or control. (3) disclosure of any legal matters affecting the use or condition of the Sites within the knowledge of the Agency. Agreement, meaning: (b) Certain Definitions. For the purpose of this the terms set forth below shall have the following (i) "environmental laws" means all federal, state, local, or municipal laws, rules, orders, regulations, statutes, ordinances, codes, decrees, or requirements of any government authority regulating, relating to, or imposing liability of standards of conduct concerning any hazardous substance (as later defined), or pertaining to occupational health or industrial hygiene (and only to the extent that the occupational health or industrial hygiene laws, ordinances, or regulations relate to hazardous substances on, under, or about the Sites), occupational or environmental conditions on, under, or about the Sites, as now or may at any later time be in effect, including without limitation, the Comprehensive Environmental Response, Compensation and Liability Act of 1980 ("CERCLA") [42 USC Section 9601 et seq.]; the Resource Conservation and Recovery Act of 1976 ("RCRA") [42 USC Section 6901 et seq.]; the Clean Water Act, also known as the Federal Water Pollution Control Act ("FWPCA") [33 USC Section 1251 et eq.]; the Toxic Substances Control Act ("TSCA") [15 USC Section 2601 et seq.]; the Hazardous Materials Transportation Act ("HMTA") [49 use Section 1801 et seq.]; the Insecticide, Fungicide, Rodenticide Act [7 USC Section 6901 et seq.] the Clean Air Act [42 USC Section 7401 et seq.]; the Safe Drinking Water Act [42 USC Section 300f et seq.]; the Solid Waste Disposal Act [42 USC Section 6901 et seq.]; the Surface Mining Control and Reclamation Act [30 USC Section 101 et seq.] the Emergency Planning and Community Right to Know Act [42 USC Section 11001 et seq. ] ; the Occupational Safety and Health Act [29 USC Section 655 and 657]; the California Underground Storage of Hazardous Substances Act [H & S C Section 25288 et seq.]; the California Hazardous Substances Account Act [H & S C Section 25300 et seq.]; the California SBEO/0001/DOC/3477-5 8/18/99 1115 sk 10 CDC 1999-25 Safe Drinking Water and Toxic Enforcement Act [H & S C Section 24249.5 et seq.] the Porter- Cologne Water Quality Act [Water Code Section 13000 et seq.] together with any amendments of or regulations promulgated under the statutes cited above and any other federal, state, or local law, statute, ordinance, or regulation now in effect or later enacted that pertains to occupational health or industrial hygiene, and only to the extent the occupational health or industrial hygiene laws, ordinances, or regulations relate to hazardous substances on, under, or about the Sites, or the regulation or protection of the environment, including ambient air, soil, soil vapor, groundwater, surface water, or land use. (ii) "hazardous substances" includes without limitation: those substances included within the definiteness of "hazardous substance," "hazardous waste," "hazardous material," "toxic substance," "solid waste," or "pollutant or contaminate" in CERCLA, RCRA, TSCA, HMTA, or under any other environmental law; and those substances listed in the United Department of Transportation (DOT)Table 172.101], or by the EPA, or any successor as hazardous substances [40 CFR Part 302]; States [49 CFR agency, and other substances, materials, and wastes that are or become regulated or classified as hazardous or toxic under federal, state, or local laws or regulations; and any material, waste, or substance that is (1) a petroleum or refined petroleum product, (2) asbestos, (3) polychlorinated biphenyl, (4) designated as a hazardous substance pursuant to 33 USC Section 1321 or listed pursuant to 33 USC Section 1317, SBEO/0001/DOC/3477-5 8/18/99 1115 sk 11 CDC 1999-25 (5) a flammable explosive, or (6) a radioactive material. Section 2.09. Due Diligence Investigation of the Sites. (a) Within sixty (60) days from and after the Opening of Escrow, and subject to the extensions of time set forth below in Section 2.15, the Developer shall have the right to examine, inspect and investigate the Sites (the "Due Diligence Period") to determine whether the condition of the Sites is acceptable to the Developer in its sole and absolute discretion. (b) During the Due Diligence Period, the Agency shall permi t the Developer, its engineers, analysts, contractors and agents to conduct such physical inspections and testing of the Si tes as the Buyer deems prudent with respect to the physical condition of the Sites, including the inspection or investigation of soil and subsurface soil geotechnical condition, drainage, seismic and other geological and topographical matters, surveys the potential presence of any hazardous substances, if any. Any such investigation work on the Sites may be conducted by the Developer andlor its agents during any normal business hours upon seventy-two (72) hours prior notice to the Agency, which notice will include a description of any investigation work or tests to be conducted by the Developer on the Sites. Upon the, Agency's request, the Developer will provide the Agency with copies of any test results to the extent it is not contractually prohibi ted from doing so and further, to the extent that the delivery of such copies to the Agency shall impose no cost or other liability upon the Developer. During the Due Diligence Period, the Developer shall also have the right to investigate all matters relating to the zoning, use and compliance with other applicable laws which relate to the use and development and improvement of the Sites. The Agency shall cooperate fully to assist the Developer in completing such inspections and investigations of the condition of the Sites. The Agency shall have the right, but not the obligation, to accompany the Developer during such investigations andlor inspections. Section 2.10. Due Diligence Approval Certificate. Within sixty (60) days following the Opening of Escrow, the Developer shall complete its investigation of the Sites (subject to the extensions of time set forth in Section 2.15) and deliver a due diligence approval certificate signed by the Developer (the "Due Diligence Approval Certificate") to the Escrow Holder which either: SBEO/0001/DOC/3477-5 8/18/99 1115 sk 12 CDC 1999-25 (i) indicates that the Developer accepts the condition of the Sites or; (ii) contains a description of the matters or exceptions relating to the condition of the Sites which the Developer was not able to accept or resolve to its satisfaction during the Due Diligence Period. Section 2.11. Books and Records. As part of the Developer's due diligence investigations during the Due Diligence Period, the Developer shall be afforded full opportunity by the Agency to examine all books and records which relate to the Sites in the possession of the Agency andlor the Agency's agents or employees, including the reasonable right to make copies of such books and records. During the Due Diligence Period, the Agency will make sufficient staff available to assist the Developer with obtaining access to information relating to the Sites which is in the possession or control of Agency. Section 2.12. Condition of the Sites: Developer's Release. The Developer acknowledges and agrees that it shall be gi ven a full opportunity under this Agreement to inspect and investigate every aspect of the Sites during the Due Diligence Period. The Developer shall accept the delivery of title to the Sites on the Close of Escrow in an "AS IS," "WHERE IS" and "SUBJECT TO ALL FAULTS" condition. The Developer further agrees and represents to the Agency that by a date no later than the end of the Due Diligence Period, the Developer shall have conducted and completed (or waived the completion) of all of its independent investigation of the condition of the Sites which the Developer may believe to be indicated. The Developer hereby acknowledges that it shall rely solely upon its own investigation of the Sites and its own review of such information and documentation as it deems appropriate for the purpose of accepting the condition and possession of the Sites. The Developer is not relying on any statement or representation by the Agency relating to the condition of the Sites unless such statement or representation is specifically contained in this Agreement. Without limiting the foregoing, the Agency makes no representations or warranties as to whether the Sites presently comply with environmental laws or whether the Sites contain any hazardous substance, as these terms are defined in Section 2.08(b) hereof. Furthermore, to the extent that the Agency has provided the Developer with information relating to the condition of the Sites, including information and reports prepared by or on behalf of the City of San Bernardino, the Agency makes no representation or warranty with respect to the accuracy, completeness or methodology or content of such reports or information. SBEO/0001/DOC/3477-5 8/18/99 1115 sk 13 CDC 1999-25 Without limiting the above, except to the extent covered by an express representation or warranty of the Agency set forth in this Agreement, the Developer, on behalf of itself and its successors and assigns, waives and release the Agency and its successors and assigns from any and all demands, claims, legal or administrative proceedings, losses, liability, damages, penalties, fines, judgments, costs or expenses whatsoever (including, without limitation, attorneys' fees and costs), whether direct or indirect, known or unknown, foreseen or unforeseen, arising from or relating to the physical condition of the Sites or any law or regulation applicable thereto, including the presence or alleged presence or harmful or hazardous substances in, under or about the Sites including, without limitation, any claims under or on account of (i) CERCLA and similar statutes and any regulations promulgated thereunder or (ii) any other environmental laws. The Developer expressly waives any rights or benefits available to it with respect to the foregoing release under any provision of applicable law which generally provides that the general release does not extend to claims which the creditor does not know of suspect to exist in his or her favor at the time the release is agreed to, which, if known to such creditor, would materially affect a settlement. By execution of this Agreement, the Developer acknowledges that it fully understands the foregoing, and with this understanding, nonetheless elects to and does assume all risk for claims known or unknown, described in this Section 2.12 without limiting the generality of the foregoing: The undersigned acknowledges that it has been advised by legal counsel and is familiar with the provisions of California Civil Code Section 1542, which provides as follows: "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOWN OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM, MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR." The undersigned, being aware of this code section, expressly waives any rights it may have thereunder, as under any other statutes or common law principles of effect. hereby well as similar Initials of Developer~~. The provisions of thil/~ection 2.12 shall survive the Close of Escrow. SBEO/0001/DOC/3477-5 8/18/99 1115 sk 14 CDC 1999-25 Section 2.13. Review and Approval of Condition of Title by the Developer. (a) Within fifteen (15) days following the Opening of Escrow, Agency shall cause to be delivered to the Developer a preliminary title report or title commitment for a CLTA extended coverage policy of title insurance issued by the Title Company, describing the state of title of each of the Sites, together with copies of all exceptions specified therein and with all easements plotted but excluding matters disclosed on a survey (the "Preliminary Title Report"). The Developer shall notify the Agency in writing ("Developer's Title Objection Notice") of any objections the Developer may have to the title exceptions contained in the Preliminary Title Report prior to the expiration of the Due Diligence Period. The Agency shall have a period of five (5) days after receipt of the Developer's Title Objection Notice in which to deliver written notice to the Developer ("Agency's Title Notice") of the Agency's election to either: (i) agree to remove the objectionable items prior to the Close of Escrow, or (ii) decline to remove any such title exceptions and terminate the Agreement and the Escrow; provided, however, that the Agency shall be required to remove all monetary liens and encumbrances created by or as a result of the Agency's activities. If the Agency notifies the Developer of its election to terminate Escrow rather than remove the objectionable items, the Developer shall have the right, by written notice delivered to the Agency within five (5) days after the Developer's receipt of the Agency's Title Notice, to agree to accept the Sites subject to the objectionable items, in which event the Agency's election to terminate the Escrow shall be of no effect, and the Developer shall take title at the Close of Escrow subject to such objectionable title items. In the event that the Escrow is terminated by the Agency under this Section 2.13(a), the Agency shall be responsible for paying for all Escrow cancellation costs of the Escrow Holder and the Deposit shall be promptly returned to the Developer. (b) The Agency covenants not to further encumber and not to place any further liens or encumbrances on the Sites, including, but not limited to, covenants, conditions, restrictions, easements, liens, options to purchase, options to lease, leases, tenancies, or other possessory interests without the prior written consent of the Developer. Upon the issuance of any amendment or supplement to the Preliminary Title Report which adds additional exceptions (including, but not limited to, adding additional exceptions for matters shown on the Survey as hereinafter defined), the foregoing right of review and approval shall also apply to said amendment or supplement (provided that the period for the Developer to review such amendment or supplement shall be the later of the expiration of the Due Diligence Period or ten (10) days from receipt of the SBEO/OOOl/DOC/3477-5 8/18/99 1115 sk 15 CDC 1999-25 amendment or supplement) and Escrow shall be deemed extended by the amount of time necessary to allow such review and approval in the time and manner set forth above. Section 2.14. Survey. The Developer may obtain a survey of the Property prepared by a land surveyor duly licensed by the State of California and in compliance with ALTAIASCM standards ("Survey"). The Survey shall be in a form acceptable to the Title Company for the deletion of the standard survey exception in the Title Policy relating to boundaries, without the addition of further exceptions unless the same are acceptable to the Developer in its sole and absolute discretion. The Developer shall have until the end of the Due Diligence Period to complete and examine the Survey and to notify Agency in writing of any objections the Developer has to the Survey ("Developer's Survey Objection Notice"). The Agency shall have a period of five (5) days after receipt of the Developer's Survey Obj ection Notice in which to deliver written notice to the Developer ("Agency's Survey Notice") of the Agency's election to either: (i) agree to remove the objectionable items prior to the Close of Escrow or (ii) decline to remove such items and terminate the Agreement and the Escrow. If the Agency notifies the Developer of its intention to not remove the objectionable items, the Developer shall have the right, by written notice delivered to the Agency within five (5) days after the Developer's receipt of Agency 1 s Survey Notice, to agree to accept the Sites subj ect to the obj ectionable items, in which event, the Agency's election to terminate the Escrow shall be of no effect, and the Developer shall accept the Property at the Close of Escrow subject to such objectionable items. In the event that the Escrow is terminated by the Agency under this Section 2.14, the Agency shall be responsible for paying for all Escrow cancellation costs of the Escrow Holder and the Deposit shall be promptly returned to the Developer. Prior to the Closing, the Survey shall be recertified to the Developer, Title Company and the Developer's lender, if any. The Survey will be performed at the Developer's sole cost and expense. Section 2.15. Extension of Due Diligence Period. In the event Agency fails to provide to the Developer the documents and other information required by Sections 2.08 by the date(s) set forth therein, the Due Diligence Period for such information shall be extended by one (1) day for each day of the delay by the Agency to permit the Developer to perform an adequate due diligence review (but not to exceed a total of thirty (30) days.) The Developer will use its best efforts to notify Agency of any documents the Agency has failed to deliver to the Developer wi thin the time periods provided in Sections 2.08 and 2.11. In the event that the Developer has delivered its Due Diligence Approval Certificate and thereafter, prior to the Close of Escrow, the Agency presents the SBEO/000l/DOC/3477-5 8/18/99 1115 sk 16 CDC 1999-25 Developer with any new Due Diligence Item, the Close of Escrow shall be extended to permit the Developer to perform an adequate due diligence review of such new item for up to thirty (30) days. In the event that the Developer may fail to accept such new item wi thin such additional period of time and cause the Escrow to close, then in such event either party may terminate this Agreement and the Escrow as set forth in Section 2.20. Section 2.16. Developer's Conditions Precedent. The Developer's obligation to purchase the Sites shall be conditioned upon the fulfillment of the following conditions precedent, all of which shall be satisfied (or waived in writing pursuant to Section 2.19) prior to the Close of Escrow: (1) The Agency shall not have defaulted on any material term of this Agreement to be performed by the Agency hereunder, and each representation and warranty made by the Agency in this Agreement shall remain true and correct. For purposes of this subsection (1) only, a representation that is limited to the Agency's knowledge or notice shall be false if the factual matter that is subject to the representation is false, notwithstanding any lack of knowledge or notice to the Agency; (2) the Developer's approval of the Preliminary Title Report and the Survey, if applicable, within the time periods specified in Sections 2.13 and 2.14; (3) the Developer's approval of the contents of all Due Diligence Items, and the other investigations of the Sites made by the Developer andlor its designees pursuant to Sections 2.08 and 2.09 herein on or before the expiration of the Due Diligence Period, or such later date if the Due Diligence Period is extended pursuant to Section 2.15. The Developer shall be deemed to have disapproved such Due Diligence Items unless they are approved on or before 5:00 p.m. on the final day of the Due Diligence Period, or such later date if the Due Diligence Period is extended pursuant to Section 2.15 herein; (4) the acceptance or waiver by the Developer of the formation of a 1913/1915 Act Assessment District (e.g.: Streets and Highways Code Section 5000 et seq., and Section 8500 et seq.) by the City of San Bernardino, in the sole and absolute legislative discretion of the City of San Bernardino (the "Assessment District"). The Assessment District shall include the Sites and other lands to be developed and improved by the Developer in the City the "Other Lands"and the SBEO/000l/DOC/3477-5 8/18/99 1115 sk 17 CDC 1999-25 Assessment District characteristics: shall include the following (i) provide for the issuance of bonds, the proceeds of which shall be used and applied for the design, construction and financing of public improvements and public facilities capital charges and facilities fees as necessary or required in connection with the improvement of the Sites and the Other Lands; (ii) the net proceeds of such assessment bonds which shall be available for the acquisition and construction of the public improvements and public facilities capital charges and facilities fees (net of costs of issuance and funded debt service reserve) for the benefit of the Sites and the Other Lands shall be at least: (A) $7,000.00 in the case of each Phase I Lot and Phase II Lot; (B) $20,000.00 in the case of each subdivided lot comprising the Other Lands; and (C) the amount of the special assessment lien on each Phase I Lot and Phase II Lot and on each subdivided lot comprising the Other Lands and shall be (or estimated to be) an amount which is acceptable to the Developer in its sole and absolute discretion. In the event that the Developer has delivered its Due Diligence Approval Certificate but may thereafter fail to accept or waiver the condition relating to the Assessment District set forth in this Section 2.16(4), such action by the Developer shall be deemed to be a breach of this Agreement by the Developer for the purposes of the application of the provisions of Section 2.23 and the payment of the sum of Twenty Five Thousand Dollars ($25,000.00) to the Agency in the event that either party may terminate this Agreement as authorized in Section 2.20. (5) the Developer's approval of any notice of change in representation or warranty given by the Agency pursuant to Section 2.24(a)hereof; SBEO/0001/DOC/3477-5 8/18/99 1115 sk 18 CDC 1999-25 (6) the Title Company has committed to issue the Title Policy, in favor of the Developer in the form described in Section 2.05; (7) the Developer has obtained a construction financing loan commitment on terms reasonably acceptable to it; and (8) the Agency shall be satisfied (or waived satisfaction) of each of the conditions precedent set forth in Section 2.17 and the Escrow is in a condition to close within ninety (90) days following the Opening of Escrow. Section 2.17. The Agency's Conditions Precedent. The Agency's obligation to convey the Sites to the Developer shall be conditioned upon the fulfillment of the following conditions precedent, all of which shall be satisfied (or waived in writing pursuant to Section 2.19) prior to the Close of Escrow: (1) the Developer has Property and submitted Certification to the Escrow forth in this Agreement; accepted the condition of the its Due Diligence Approval Holder on or before the date set (2) the Developer has accepted the condition of title of each of the Sites on or before the date set forth in Section 2.13; (3) the Developer has provided the Agency with satisfactory evidence of the commitment of a lender to provide construction financing to the Developer for the construction and improvement of the Project with an initial construction loan disbursement amount sufficient to construct and improve not less than twelve (12) of the Phase I Lots; (4) the Developer shall not be in default of any material term of this Agreement to be performed by the Developer hereunder and each representation and warranty of the Developer made in this Agreement shall remain true and correct; and (5) the Developer shall be satisfied (or waive satisfaction) of each of the conditions precedent set forth in Section 2.16 and the Escrow is in a condition to close within ninety (90) days following the Opening of Escrow. Section 2.18. Delivery of Documents and Purchase Price After Closing Date by Escrow Holder. The Escrow Holder shall deliver to the Developer within the (3) business days following the SBEO/0001/DOC/3477-5 8/18/99 1115 sk 19 CDC 1999-25 Closing Date a conformed copy of the Agency Grant Deed, as recorded and the policy of title insurance issued by the Title Company in favor of the Developer. The Escrow Holder shall deliver to the Agency the Purchase Price, less sums paid to discharge any liens, less Escrow costs, expenses and the various prorations chargeable to the Agency hereunder. Section 2.19. Satisfaction of Conditions. Where satisfaction of any of the foregoing conditions requires action by the Developer or by the Agency, each party shall use its diligent best efforts, in good faith, and at its own cost, to satisfy such condition. Where satisfaction of any of the foregoing conditions requires the approval of a party, such approval shall be in such party's sole and absolute discretion. Either party may waive any of the conditions set forth in the Agreement, but any such waiver shall be effective only if contained in a writing signed by the applicable party and delivered to the Escrow Holder and the other party. Section 2.20. Termination. In addition to the right of each party to terminate the Agreement pursuant to Section 2.03, in the event each of the conditions set forth in Section 2.16, in the case of the Developer, or Section 2.17 in the case of the Agency is not fulfilled within ninety (90) days after the Opening of Escrow (subject to Section 2.15, if applicable) or waived by the applicable party pursuant to Section 2.19, either party may, at its option, terminate this Agreement and the Escrow opened hereunder, thereby releasing the parties from further obligations hereunder, and all documents delivered by the Developer to the Agency or the Escrow Holder shall be returned to the Developer and all documents delivered by the Agency to the Developer or the Escrow Holder shall be returned to the Agency, and the Deposit shall be disbursed to the Developer, except as set forth in Section 2.16(4). Nothing in this Section 2.20 shall be construed as releasing any party from liability for any default of its obligations hereunder or breach of its representations and warranties under this Agreement occurring prior to the termination of this Agreement andlor the cancellation of the Escrow. Section 2.21. Prorations. Closing Costs. Possession. (a) Proration of Taxes. Real and personal property taxes for the Property shall be prorated by the parties to the Closing Date on the basis of a three hundred sixty-five (365) day year on the basis that the Agency is responsible for (i) all such taxes (if any) for the fiscal year of the applicable taxing authori ty occurring prior to the Current Tax Period (as defined SBEO/0001/DOC/3477-5 8/18/99 1115 sk 20 CDC 1999-25 below) and (ii) that portion of such taxes for the Current Tax Period to 11:59 p.m. on the Closing Date, whether or not the same shall be payable prior to the Closing Date. The phrase "Current Tax period" refers to the fiscal year of the applicable taxing authority in which the Closing occurs. All tax prorations shall be based upon the latest available tax statement. If the tax statements for the fiscal tax year during which Escrow closes do not become available until after the Closing Date, then the rates and assessed values of the previous year, with known changes, shall be used, and the parties shall re-prorate said taxes outside of Escrow following the Closing Date when such tax statements become available. The Agency shall be responsible for and shall payor reimburse the Developer upon demand for any real or personal property taxes payable following the Closing Date applicable to any period of time prior to the Closing Date as a result of any change in the tax assessment by reason of reassessment, changes in use of the Property, changes in ownership, errors by the Assessor or otherwise. (b) Possession. The Developer shall be entitled to exclusive possession of the Property immediately upon the Close of Escrow. Provided that the Developer has delivered its Due Diligence Approval Certificate and has approved or waived the satisfaction of the conditions set forth in Section 2.16, the Agency shall grant the Developer a temporary license to entre the Sites prior to the Closing Date for the following purposes: (i) to remove weeds, debris and graffiti from the Sites; (ii) to conduct surveys and intrusive soil engineering testing for repairs to existing perimeter walls surrounding the Sites; (iii) to install advertising ordinance; temporary subdivision land sales signs as permitted under the City sign (iv) to install and operate a temporary subdivision land sales office trailer, as permitted under the City accessory building ordinance; (v) to conduct such other work as may be approved by the Agency in its sole discretion. Prior to the entry by the Developer onto any portion of the Sites pursuant to such a license, the Developer shall execute a written license agreement affecting the Sites in a form to be provided by the Agency in which the Developer shall agree to SBEO/0001/DOC/3477-5 8/18/99 1115 sk 21 CDC 1999-25 indemnify, defend and hold the Agency harmless from any adverse exceptions to title in the Sites which may arise prior to the Closing Date by virtue of the Developer's entry onto the Sites, or any portion thereof and the Developer shall further agree to indemnify, defend and hold the Agency harmless from and against any other claim, cause of action, liability or damage to persons or to property resulting from the acti vi ties of the Developer on the Sites or any portion thereof pursuant to such license agreement. (c) Title Insurance Premium. Escrow and Closing Costs. The Agency shall pay the cost of the premium for a CLTA owner's extended coverage policy of title insurance on the Sites in the amount of the Purchase Price, together with all title charges (including endorsements reasonably requested by the Developer to remove disapproved items shown on the Preliminary Title Report or Survey pursuant to Sections 2.13 and 2.14 above), and the Agency shall also pay any documentary or other transfer taxes payable on account of the conveyance of the Property to the Developer, together with one-half (~) of the customary and reasonable escrow fees which may be charged by the Escrow Holder in connection with the Close of Escrow. The Developer shall pay the additional cost of the Survey and requested CLTA survey policy endorsements (to the extent such endorsements are unrelated to removal of any disapproved items shown on the Preliminary Title Report or Survey pursuant to Sections 2.13 and 2.14 above) which exceeds the premium for a CLTA owner's extended coverage policy of title insurance on the Sites, plus the cost of recording the Agency Grant Deed, together with one-half (~) of the cost of the customary and reasonable escrow fees charged by Escrow Holder in connection with the Close of Escrow. Any other Escrow-related transaction expenses or escrow closing costs incurred by the Escrow Holder in connection with this transaction shall be apportioned and paid for by the parties to this Agreement in the manner customary in San Bernardino County, California. No later than three (3) business days prior to the Closing Date, the Escrow Holder shall prepare for approval by the Developer and the Agency a closing statement ("Closing Statement") on the Escrow Holder's standard form indicating, among other things, the Escrow Holder's estimate of all closing costs, pay-off amounts for the release and reconveyance of all liens secured by the Sites and prorations made pursuant to this Agreement. The Developer and the Agency shall assist the Escrow Holder in determining the amount of all prorations. SBEO/OOOl/DOC/3477-5 8/18/99 1115 sk 22 CDC 1999-25 Section 2.22. BREACH OF ARTICLE II BY THE AGENCY; LIOUIDATED DAMAGES PAYABLE BY THE AGENCY TO THE DEVELOPER. IN THE EVENT THAT THE AGENCY COMMITS A MATERIAL BREACH OF ITS OBLIGATIONS UNDER THIS ARTICLE II PRIOR TO THE CLOSE OF ESCROW, THE DAMAGES THAT THE DEVELOPER WILL INCUR BY REASON THEREOF ARE AND WILL BE IMPRACTICAL AND EXTREMELY DIFFICULT TO ESTABLISH. THE DEVELOPER AND THE AGENCY, IN A REASONABLE EFFORT TO ASCERTAIN WHAT THE DEVELOPER'S DAMAGES WOULD BE IN THE EVENT OF SUCH A DEFAULT BY THE AGENCY, HAVE AGREED THAT SUCH DAMAGES SHALL BE IN AN AMOUNT EQUAL TO THE SUM OF TWENTY-FIVE THOUSAND DOLLARS ($25,000.00) AS LIQUIDATED DAMAGES. SUCH SUM SHALL BE PAID TO THE DEVELOPER IN THE EVENT OF SUCH DEFAULT BY THE AGENCY UPON THE TERMINATION OF THIS AGREEMENT AND CANCELLATION OF THE ESCROW, AS LIQUIDATED DAMAGES, WHICH DAMAGES SHALL BE THE DEVELOPER'S SOLE AND EXCLUSIVE REMEDY AT LAW OR IN EQUITY IN THE EVENT OF AND FOR SUCH DEFAULT BY THE AGENCY. WITHOUT LIMITING THE FOREGOING PROVISIONS OF THIS PARAGRAPH, THE DEVELOPER WAIVES ANY AND ALL RIGHTS WHICH THE DEVELOPER OTHERWISE WOULD HAVE HAD UNDER CIVIL CODE SECTION 3389 TO SPECIFICALLY ENFORCE THIS AGREEMENT. THE DEVELOPER AND THE AGENCY ACKNOWLEDGE AND AGREE THAT EACH OF THEM HAS READ AND UNDERSTANDS , THE PROVIS~/OF THIS SECTION AND EACH AGREES TO BE BOUND BY ITS TERMS. . CI/?!C- Inf~lS of Agency Section 2.23. BREACH BY THE DEVELOPER OF ARTICLE II; LIOUIDATED DAMAGES PAYABLE BY THE DEVELOPER TO THE AGENCY. IN THE EVENT THAT THE DEVELOPER COMMITS A MATERIAL BREACH OF ITS OBLIGATIONS UNDER THIS ARTICLE II PRIOR TO THE CLOSE OF ESCROW, THE DAMAGES THAT THE AGENCY WILL INCUR BY REASON THEREOF ARE AND WILL BE IMPRACTICAL AND EXTREMELY DIFFICULT TO ESTABLISH. THE DEVELOPER AND THE AGENCY, IN A REASONABLE EFFORT TO ASCERTAIN WHAT THE AGENCY'S DAMAGES WOULD BE IN THE EVENT OF SUCH A DEFAULT BY THE DEVELOPER, HAVE AGREED THAT SUCH DAMAGES SHALL BE IN AN AMOUNT EQUAL TO THE SUM OF TWENTY-FIVE THOUSAND DOLLARS ($25,000.00) AS LIQUIDATED DAMAGES. SUCH SUM SHALL BE PAID TO THE AGENCY IN THE EVENT OF SUCH DEFAULT BY THE DEVELOPER AS LIQUIDATED DAMAGES, WHICH DAMAGES SHALL BE THE AGENCY'S SOLE AND EXCLUSIVE REMEDY AT LAW OR IN EQUITY IN THE EVENT OF AND FOR SUCH DEFAULT BY THE DEVELOPER. WITHOUT LIMITING THE FOREGOING PROVISIONS OF THIS PARAGRAPH, THE AGENCY WAIVES ANY AND ALL RIGHTS WHICH THE AGENCY OTHERWISE WOULD HAVE HAD UNDER CIVIL CODE SECTION 3389 TO SPECIFICALLY ENFORCE THIS AGREEMENT. THE AGENCY AND THE DEVELOPER ACKNOWLEDGE AND AGREE THAT SBEO/0001/DOC/3477-5 8/18/99 1115 sk 23 CDC 1999-25 Ini THEM HAS READ AND UNDERSTANDS THE P~O~ONS EACH AGREES TO BE BOUND BY ITS TERMS( ~/-; I'M ' ~Z Developer I4{i ials of OF THIS EACH OF SECTION Agency Section 2.24. Representations and Warranties. (a) Warranties and Re9resentations by the Agency. The Agency hereby makes the following representations, covenants and warranties and acknowledges that the execution of this Agreement by the Developer has been made and the acquisition by the Developer of the Sites will have been made in material reliance by the Developer on such covenants, representations and warranties: (1) Warranties True. Each and every undertaking and obligation of the Agency under this Agreement shall be performed by the Agency timely when due; and that all representations and warranties of the Agency under this Agreement and its exhibits shall be true in all material respects at the Closing as though they were made at the time of Closing. (2) Due Organization. The Agency is a community redevelopment agency, duly formed and operating under the laws of California. The Agency has the legal power, right and authority to enter into this Agreement and to execute the instruments and documents referenced herein, and to consummate the transactions contemplated hereby. (3) Requisi te Action. The Agency has taken all requisite action and obtained all requisite consents in connection with entering into this Agreement and the instruments and documents referenced herein and the consummation of the transactions contemplated hereby, and no consent of any other party is required. (4) Enforceability of Agreement. The persons executing any instruments for or on behalf of the Agency have been authorized to act on behalf of the Agency and that the Agreement is valid and enforceable against the Agency in accordance with its terms and each instrument to be executed by the Agency pursuant hereto or in connection therewith will, when executed, be valid and enforceable against the Agency in accordance with its terms. No approval, consent, order or authorization of, or designation or declaration of any other person, is required in connection with the valid execution and delivery of and compliance with this Agreement by the Agency. SBEO/OOOl/DOC/3477-5 8/18/99 1115 sk 24 CDC 1999-25 (5) Title. Prior to the Closing, the Agency will be the owner of (and the Developer will acquire hereunder) the entire right, title and interest in and to each of the Sites to effectively vest in the Developer good and marketable fee simple title to each of the Sites, that the Developer will acquire the Sites free and clear of all liens, encumbrances, claims, rights, demands, easements, leases or other possessory interests, agreements, covenants, conditions, and restrictions of any kind or character (including, without limiting the generali ty of the foregoing, liens or claims for taxes, mortgages, conditional sales contracts, or other title retention agreement, deeds of trust, security agreements and pledges and mechanics lien) except: (i) property taxes not delinquent; (ii) the exceptions to title approved by the Buyer pursuant to Section 2.13 and (iii) the obligation of the Developer to complete the installation of the subdivision public improvements required for the Phase II Site. (6) No Litigation. There are no pending or, to the best of the Agency's knowledge, threatened claims, actions, allegations or lawsuits of any kind, whether for personal injury, property damage, property taxes or otherwise, that could materially and adversely affect the value or use of the Property or prohibit the sale thereof, nor to the best of the Agency's knowledge, is there any governmental investigation of any type or nature pending or threatened against or relating to the Sites or the transactions contemplated hereby. (7) Operation and Condition Pending Closing. Between the date of this Agreement and the Close of Escrow, the Agency will continue to manage, operate and maintain the Sites in the same manner as existed prior to the execution of this Agreement. (8) Contracts. There are no contracts or agreements to which the Agency is a party relating to the operation, maintenance, service, repair, development, improvement or ownership of either of the Sites which will survive the Close of Escrow except as may be set forth in the Agency Grant Deed or in the Deed of Trust. (9) Special Studies Zone. The Property is to the best knowledge of the Agency not located within a designated earthquake fault zone pursuant to California Public Resources Code Section 2621.9 and a designated area that is particularly susceptible to ground shaking, liquefaction, landslides or other ground failure during an earthquake pursuant to California Public Resources Code Section 2694. SBEO/0001/DOC/3477-5 8/18/99 1115 sk 25 CDC 1999-25 (10) The Agency's Knowledge. For purposes of this Section 2.22, the terms "to the best of the Agency's knowledge" or "to the Agency's knowledge" shall mean the actual knowledge of Gary Van Osdel, Executive Director, and Ronald Winkler, Development Director. If the Agency becomes aware of any act or circumstance which would change or render incorrect, in whole or in part, any representation or warranty made by the Agency under this Agreement, whether as of the date given or any time thereafter through the Closing Date and whether or not such representation or warranty was based upon the Agency's knowledge andlor belief as of a certain date, the Agency will give immediate written notice of such changed fact or circumstance to the Developer, but such notice shall not release the Agency of its liabilities or obligations with respect thereto. All representations and warranties contained in this Section 2.24(a) are true and correct on the date hereof and on the Closing Date and the Agency's liability for misrepresentation or breach of warranty, representation or covenant, wherever contained in this Agreement, shall survive the execution and delivery of this Agreement and the Close of Escrow. (b) Warranties and Representations by the Developer. The Developer hereby makes the following representations, covenants and warranties and acknowledges that the execution of this Agreement by the Agency has been made in material reliance by the Agency on such covenants, representations and warranties: (1) The Developer is a duly organized and validly existing California limited partnership. The Developer has the legal right, power and authority to enter into this Agreement and the instruments and documents referenced herein and to consummate the transactions contemplated hereby. The persons executing this Agreement and the instruments referenced herein on behalf of the Developer hereby represent and warrant that such persons have the power, right and authority to bind the Developer. (2) The Developer has taken all requisite action and obtained all requisite consents in connection with entering into this Agreement and the instruments and documents referenced herein and the consummation of the transactions contemplated hereby, and no consent of any other party is required. SBEO/OOOl/DOC/3477-5 8/18/99 1115 sk 26 CDC 1999-25 (3) This Agreement is, and all agreements, instruments and documents to be executed by the Developer pursuant to this Agreement shall be, duly executed by and are or shall be valid and legally binding upon the Developer and enforceable in accordance with their respective terms. (4) Neither the execution of this Agreement nor the consummation of the transactions contemplated hereby shall result in a breach of or constitute a default under any other agreement, document, instrument or other obligation to which the Developer is a party or by which the Developer may be bound, or under law, statute, ordinance, rule, governmental regulation or any writ, injunction, order or decree of any court or governmental body applicable to the Developer or to the Sites. (5) The representations and warranties of the Developer contained in this Section 2.24 (b) shall be based upon the actual knowledge of John W. Pavelak and George Mooradian. All representations and warranties contained in this Section 2.24(b) are true and correct on the date hereof and on the Closing Date and Developer's liability for misrepresentation or breach of warranty, representation or covenant, wherever contained in this Agreement, shall survive the execution and delivery of this Agreement and the Closing. Section 2.25. Damage. Destruction and Condemnation. Prior to the Agency's delivery of possession of the Sites to Developer at the Close of Escrow, the risk of loss or damage to the Sites shall remain upon the Agency. If either of the Sites suffers damages as a result of any casualty prior to the Close of Escrow which may materially diminish its value, then the Agency shall give written notice thereof to Developer promptly after the occurrence of the casualty. The Developer can elect to either: (i) accept the Site in its damaged condition or (ii) the Developer may terminate the Agreement and recover the Deposit as set forth in Section 2.02. The Developer shall confirm the exercise of its election under subparagraph (i) or (ii) of the preceding sentence within thirty (30) days of its receipt of notice from the Agency. In the event that, prior to the Close of Escrow, any governmental entity shall commence any actions of eminent domain or similar type proceedings to take any portion of either of the Sites, the Agency shall give prompt written notice thereof to Developer, and Developer shall have the option either: (i) to elect not to acquire the Sites, terminate the Agreement and recover the SBEO/0001/DOC/3477-5 8/18/99 1115 sk 27 CDC 1999-25 Deposit as set forth in Section 2.02; or (ii) the Developer may complete the acquisition of the Sites, in which case Developer shall be entitled to all the proceeds of such taking; provided however, that the Agency agrees that it shall not settle or compromise the proceedings before the Close of Escrow without the Developer's prior written consent, which consent will not be unreasonably withheld or delayed). The Developer shall confirm the exercise of its election under subparagraph (i) or (ii) of the preceding sentence within thirty (30) days of its receipt of notice from the Agency. ARTICLE III DEVELOPMENT OF THE SITE Section 3.01. Development by Developer. (a) Scope of Development. It is the intent of the parties that the Sites be developed as follows: the construction on the Phase I Lots of twenty-four (24) single family detached residential dwelling units and the construction on the Phase II Lots of thirty-eight (38) single family detached residential dwelling units. At least twenty percent (20%) of such residential dwelling units (each referred to as a "New Home") are to be reserved for sale TO "Qualified Homebuyers" whose "Adjusted Family Income" at the time of initial occupancy of each New Home, does not exceed the household income qualification limits of a "Moderate- Income Household." As used in the preceding sentence, the words identified below shall have the following meaning: "Adjusted Family Income". The words "Adjusted Family Income" mean the anticipated total annual income (adjusted for family size) of each individual or family residing or treated as residing in the New Home as calculated in accordance with Treasury Regulation 1.167(k) 3b)(3) under the Code, as adj usted, based upon family size in accordance with the household income adjustment factors adjusted and amended from time to time, pursuant to Section 8 of the United States Housing Act of 1937, as amended. "Moderate-Income Household." The words "Moderate-Income Household" mean persons and families whose income does not exceed one hundred and twenty percent (120%) of the area median income of the City adjusted for family size appropriate for the New Home by the State Department of Housing and Community Development in accordance with adjustment factors adopted and amended from time to time by the United States Department of Housing and Urban Development SBEO/0001/00C/3477-5 8/18/99 1115 sk 28 CDC 1999-25 pursuant to Section 8 of the United States Housing Act of 1937, and Health and Safety Code Section 50093. "New Home." The words "New Home" mean and refer to the completed affordable single-family residential dwelling unit (including the land and landscape improvements thereon) as constructed and installed by the Developer or any subdivided lot on the Sites and sold to the Qualified Homebuyer. "Qualified Homebuyer." The words "Qualified Homebuyer" mean the purchaser of the New Home from the Developer (e.g.: all persons identified as having a property ownership interest vested in the New Home as of the close of the New Home Escrow). At the close of the New Home Escrow, the Qualified Homebuyer shall: (i) have an annual Adj usted Family Income which does not exceed the household income qualification limits of a Moderate-Income Household: (ii) shall be a first- time homebuyer, as this term is defined in Health and Safety Code Section 50068.5; and (iii)pay no more than an Affordable Housing Cost for the New Home pursuant to the terms of the purchase transaction for the New Home, including all sums payable by the Qualified Homebuyer for its purchase money mortgage financing, insurance, escrow and other fees and costs. "Qualified Residence Period." The words "Qualified Residence Period" mean the period of time beginning on the Delivery Date and ending on the date which is ten (10) years after the Delivery Date. In addition, the Developer shall design, construct and install all subdivision public improvements with respect to the Phase II Site, including, but not limited to, streets, sewers and sewer lines, power lines and poles, water lines, gas lines, cable lines and related vaults, storm drains and vaults, traffic access ways, lighting poles and standards, handicapped access ramps, construction of tree wells and planting of trees within the public rights-of-way; provided, however, that at the option of the Developer, and subject to the approval of the City in its sole and absolute discretion, the cost of the design, construction and installation of such subdivision public improvements may be financed using the proceeds of the Assessment District described in Section 2.16(4). The Sites will be developed in accordance with and within the limitations established in the Scope of Development set forth in Exhibit "0" attached hereto and incorporated herein by reference. SBEO/OOOl/DOC/3477-5 8/18/99 1115 sk 29 CDC 1999-25 (b) The City's zoning ordinance and the City's building requirements will be applicable to the use and development of the Sites pursuant to this Agreement. The Developer acknowledges that any change in the plans for development of the New Homes on the Sites as set forth in the Scope of Development shall be subject to the City's zoning ordinance and building requirements, provided, however that not less than twenty percent (20%) of the New Homes developed on the Sites shall be reserved for sale and occupancy by Qualified Homebuyers as set forth in Section 3.01(a) and Section 4.01. No action by the Agency or the City with reference to this Agreement or related documents shall be deemed to constitute a waiver of any lawful City requirements which are applicable to the Si tes or to the Developer, any successor in interest of the Developer or any successor in interest pertaining to the Sites, except by modification or variance approved by the City consistent with this Agreement. (c) The Scope of Development set forth in Exhibit "0" is hereby approved by the Agency upon its execution of this Agreement. The Project shall be developed and completed in conformance with the approved Scope of Development and any and all other plans, specifications and similar development documents required by this Agreement, except for such changes as may be mutually agreed upon in writing by and between the Developer and the Agency. The Agency agrees to approve preliminary and final construction plans and preliminary and final landscaping plans, if reasonably consistent with the approved Scope of Development. (d) The approval of the Scope of Development by the Agency hereunder shall not be binding upon the City Councilor the Planning Commission of the City with respect to any approvals of the Project required by such other bodies. If any revisions of the Scope of Development as approved by the Agency shall be required by another government official, agency, department or bureau having jurisdiction over the development of the Sites, the Developer and the Agency shall cooperate in efforts to obtain waivers of such revisions, or to obtain approvals of any such revisions which have been made by the Developer and have thereafter been approved by the Agency. The Agency shall not unreasonably withhold or delay approval of such revisions. (e) Notwithstanding any provision to the contrary in this Agreement, the Developer agrees to accept and comply fully wi th any and all lawful and reasonable conditions of approval applicable to all permits and other governmental actions affecting the development of the Sites and consistent with this Agreement. (f) connection with The Developer shall development of the cause Sites landscaping plans in to be prepared by a SBEO/0001/DOC/3477-5 8/18/99 1115 sk 30 CDC 1999-25 licensed landscape architect. The Developer shall prepare and submit to the City for its approval, preliminary and final landscaping plans for the Sites which are consistent with City Code requirements. These plans shall be prepared, submitted and approved within the times respectively established therefor in the Schedule of Performance as shown on Exhibit "E" attached hereto and incorporated herein by reference and shall be consistent with the Scope of Development. (g) The Developer shall prepare and submit development plans, construction drawings and related documents for the development of the Sites consistent with the Scope of Development to the City. The development plans, construction drawings and related documents shall be in the form of final drawings, plans and specifications. Final drawings, plans and specifications are hereby defined as those which contain sufficient detail necessary to obtain a building permit from the City. (h) During the preparation of all drawings and plans in connection with the development of the Sites, the Developer shall provide to the Agency regular progress reports to advise the Agency of the status of the preparation by the Developer, and the submission to and review by the City of construction plans and related documents. The Developer shall communicate and consult with the Agency as frequently as is necessary to ensure that any such plans and related documents submitted by the Developer to the City are being processed in a timely fashion. (i) The Agency shall have the right of reasonable architectural review and approval of building exteriors and design of the New Homes to be constructed on the Sites. The Agency shall also have the right to review all plans, drawings and related documents pertinent to the development of the Sites in order to ensure that they are consistent with this Agreement and with the Scope of Development set forth in Exhibit "0". (j) The Developer shall timely submit to the City for its review and approval any and all plans, drawings and related documents pertinent to the development of the Sites, as required by the City. The Agency shall cooperate with and shall assist the Developer in order for the Developer to obtain the approval of any and all development plans, construction drawings and related documents submitted by the Developer to the City consistent with this Agreement wi thin thirty (30) calendar days following the City's receipt of said plans. Any failure by the City to approve any of such plans or to issue necessary permits for the development of the Sites within said thirty (30) calendar day period shall constitute an enforced delay hereunder, and the Schedule of Performance shall be extended by that period of time beyond said SBEO/OOOl/DOC/3477-5 8/18/99 1115 sk 31 CDC 1999-25 thirty (30) calendar day period in which the City approves said plans; provided, however, that in the event that the City disapproves of any of such plans, the Developer shall within thirty (30) calendar days after receipt of such disapproval revise and resubmit such plans in accordance with the City's requirements and in such form and substance so as to obtain the City's approval thereof. (k) The Agency shall in good faith use its best efforts to cause the City to approve in a timely fashion any and all plans, drawings and documents submitted by the Developer hereunder and to cause the City not to impose new conditions inconsistent with: (a) prior plans, drawings and documents approved by the City or (b) the Scope of Development. (1) The Agency shall approve any modified or revised plans, drawings and related documents to which reference is made in this Agreement wi thin the times established in the Schedule of Performance as long as such plans, drawings and related documents are generally consistent with the Scope of Development and any other plans which have been approved by the Agency. Upon any disapproval of plans, drawings or related documents, the Agency shall state in writing the reasons for such disapproval. The Developer, upon receipt of notice of any disapproval, shall promptly revise such disapproved portions of the plans, drawings or related documents in a manner that addresses the reasons for disapproval and reasonably meets the requirements of the Agency in order to obtain the Agency's approval thereof. The Developer shall resubmit such revised plans, drawings and related documents to the Agency as soon as possible after its receipt of the notice of disapproval and, in any event, no later than thirty (30) calendar days thereafter. The Agency shall approve or disapprove such revised plans, drawings and related documents in the same manner and within the same times as provided in this Section for approval or disapproval of plans, drawings and related documents initially submitted to the Agency. (m) If the Developer desires to make any change in the final construction drawings, plans and specifications and related documents after their approval by the Agency and/or the City, the Developer shall submit the proposed change in writing to the Agency andlor the City for approval. The Agency shall notify the Developer of approval or disapproval thereof in writing wi thin thirty (30) calendar days after submission to the Agency. This thirty (30) calendar day period may be extended by mutual consent of the Developer and the Agency. Any such change shall, in any event, be deemed to be approved by the Agency unless rejected, in whole or in part, by written notice thereof submitted by the Agency to the Developer, setting forth in detail the reasons therefor, and SBEO/0001/DOC/3477-5 8/18/99 1115 sk 32 CDC 1999-25 such rejection shall be made within said thirty (30) calendar day period unless extended as permitted herein. The Agency shall use its best efforts to cause the City to review and approve or disapprove any such change as provided in Section 3.01(b) hereof. (n) The Developer, upon receipt of a notice of disapproval by the Agency andlor the City, may revise such portions of the proposed change in construction drawings, plans and specifications and related documents as are rej ected and shall thereafter resubmit such revisions to the Agency andlor the City for approval in the manner provided in Section 3.01(b) hereof. (0) The Developer shall have the right during the course of construction to make changes in construction concerning the interior of structures and "minor field changes" without seeking the approval of the Agency; provided, however, that such changes do not affect the type of use to be conducted within all or any portion of a structure. Said "minor field changes" shall be defined as those changes from the approved final construction drawings, plans and specifications which have no substantial effect on the improvements and are made in order to expedite the work of construction in response to field conditions. Nothing contained in this Section shall be deemed to constitute a waiver of or change in the City's Building Code requirements governing such "minor field changes" or in any and all approvals by the City otherwise required for such "minor field changes." (p) The cost of constructing the New Homes and all other improvements on the Phase I Site and adjacent thereto, and the costs of constructing all improvements on the Phase II Site and adjacent thereto, including all subdivision public improvements in connection with the Phase II Site, all as set forth in the Scope of Development, shall be borne by the Developer, except as may be financed by the assessment district described in Section 2.16(4). (q) The Developer shall at its expense cause to be prepared, and shall pay any and all fees pertaining to the review and approval thereof by the City, all required construction, planning and other documents reasonably required by governmental bodies pertinent to the development of the Sites hereunder including, but not limited to, specifications, drawings, plans, maps, permit applications, land use applications, zoning applications and design review documents. (r) The Developer shall pay for any and all costs, including but not limited to the costs of design, construction, relocation and securing of permits for utility improvements and connections, which may be required in developing the Sites SBEO/0001/DOC/3477-5 8/18/99 1115 sk 33 CDC 1999-25 (including the development of all subdivision public improvements with respect to the Phase II Site). The Developer shall obtain any and all necessary approvals prior to the commencement of applicable portions of said construction, and the Developer shall take reasonable precautions to ensure the safety and stability of surrounding properties during said construction. (s) The Developer shall begin and complete all construction and development and undertake all obligations and responsibilities of the Developer within the times specified in the Schedule of Performance shown in Exhibit "E" attached hereto, or within such reasonable extensions of such times as may be granted by the Agency or as otherwise provided for in this Agreement. The Schedule of Performance shall be subject to revision from time to time as mutually agreed upon in writing by and between the Developer and the Agency. Any and all deadlines for performance by the parties shall be extended for any times attributable to delays which are not the fault of the performing party and are caused by the other party, other than periods for review and approval or reasonable disapprovals of plans, drawings and related documents, specifications or applications for permits as provided in this Agreement. (t) Prior to and during the period of construction of the New Homes and related off-site public improvements on the Sites, the Developer shall submit to the Agency written progress reports when and as reasonably requested by the Agency but in no event more frequently than every four (4) weeks. The reports shall be in such form and detail as may reasonably be required by the Agency, and shall include a reasonable number of construction photographs taken since the last such report submitted by the Developer. In addition, the Developer will attend Agency meetings when requested to do so by Agency Staff. (u) Prior to the commencement of any construction, the Developer shall furnish, or shall cause to be furnished, to the Agency duplicate originals or appropriate certificates of public indemni ty and liability insurance in the amount of One Million Dollars ($1,000,000.00) combined single limit, naming the Agency and the City as additional insureds. Said insurance shall cover comprehensi ve general liability including, but not limited to, contractual liability; acts of subcontractors; premises-operations; explosion, collapse and underground hazards, if applicable; broad form property damage, and personal injury including libel, slander and false arrest. In addition, the Developer shall provide to the Agency adequate proof of comprehensive automobile liability insurance covering owned, non-owned and hired vehicles, combined single limit in the amount of One Million Dollars ($1,000,000.00) each occurrence; and proof of workers' compensation insurance. Any SBEO/0001/DOC/3477-5 8/18/99 1115 sk 34 CDC 1999-25 and all insurance policies required hereunder shall be obtained from insurance companies admitted in the State of California and rated at least B+: XII in Best's Insurance Guide. All said insurance policies shall provide that they may not be canceled unless the Agency and the City receive written notice of cancellation at least thirty (30) calendar days prior to the effective date of cancellation. Any and all insurance obtained by the Developer hereunder shall be primary to any and all insurance which the Agency andlor City may otherwise carry, including self insurance, which for all purposes of this Agreement shall be separate and apart from the requirements of this Agreement. Any insurance policies governing the Sites as obtained by the Agency shall not be transferred from the Agency to the Developer. Appropriate insurance means those insurance policies approved by the Agency Counsel consistent with the foregoing. Any and all insurance required hereunder shall be maintained and kept in force until the Agency has issued the final Certificate of Completion in connection with the development of the Sites. (v) The Developer for itself and its successors and assigns agrees that in the construction of the improvements on the Phase I Lots, the construction of the improvements on the Phase II Lots and the construction of all subdivision public improvements with respect to the Phase II Site provided for in this Agreement, the Developer will not discriminate against any employee or applicant for employment because of sex, marital status, race, color, religion, creed, national origin, or ancestry. Notwithstanding the foregoing, the Developer will use best efforts to offer employment opportunities to local residents and will seek to acquire goods and services from local vendors. (w) The Developer shall carry out its construction of the improvements on the Phase I Lots and the Phase II Lots and its construction of the subdivision public improvements with respect to the Phase II Site in conformity with all applicable laws, including all applicable state labor standards and requirements. (x) The Developer shall, at its own expense, secure or shall cause to be secured, any and all permits which may be required for such construction, development or work by the City or any other governmental agency having jurisdiction thereof. The Agency shall cooperate in good faith with the Developer in the Developer's efforts to obtain from the City or any other appropriate governmental agency any and all such permits and, upon completion of applicable portions of the development of the Sites, certificates of occupancy. (y) Officers, employees, agents or representatives of the Agency and the City shall have the right of reasonable access SBEO/0001/DOC/3477-5 8/18/99 1115 sk 35 CDC 1999-25 to the Sites, without the payment of charges or fees, during normal construction hours during the period of construction of the Project for the purposes of this Agreement including, but not limited to, the inspection of the work being performed in constructing the residences on the Sites. Such officers, employees, agents or representatives of the Agency andlor the City shall be those persons who are so identified by the Executive Director. Any and all officers, employees, agents or representatives of the Agency and the City who enter the Sites pursuant hereto shall identify themselves at the job site office upon their entrance on to the Sites and shall at all times be accompanied by a representative of the Developer while on the Sites; provided, however, that the Developer shall make a representative of the Developer available for this purpose at all times during normal construction hours upon reasonable notice from the Agency. The Agency shall indemnify, defend and hold the Developer harmless from injury, property damage or liability arising out of the exercise by the Agency andlor the City of this right of access, other than injury, property damage or liability relating to the negligence of the Developer or its officers, agents or employees. (z) The Agency shall inspect relevant portions of the construction site prior to issuing any written statements reflecting adversely on the Developer's compliance with the terms and conditions of this Agreement pertaining to development of the Sites. Section 3.02. [RESERVED -- NO TEXT] Section 3.03. Taxes. Assessments. Encumbrances and Liens. The Developer shall pay prior to the delinquency all real property taxes and assessments assessed and levied on or against the Phase I Site and the Phase II Site subsequent to the Close of Escrow and the conveyance to the Developer of title to the Phase I Site and the Phase II Site. The Developer shall not place and shall not allow to be placed on the Phase II Site any mortgage, trust deed, deed of trust, encumbrance or lien not otherwise authorized by this Agreement. The Developer shall remove, or shall have removed, any levy or attachment made on the Phase II Site, or shall assure the satisfaction thereof, within a reasonable time but in any event prior to a sale of the Phase II Site, or any portion thereof. Nothing herein contained shall be deemed to prohibit the Developer from contesting the validity or amounts of any tax assessment, encumbrance or lien, nor to limit the remedies available to the Developer in respect thereto. The covenants of the Developer set forth in this Section relating to the placement of any unauthorized mortgage, trust deed, deed of trust, encumbrance or lien, shall remain in effect only until all SBEO/OOOl/00C/3477-5 8/18/99 1115 sk 36 CDC 1999-25 Certificates of Completion have been recorded with respect to development of the Sites. Section 3.04. Prohibition Against Transfer. (a) Prior to the recordation of all Certificates of Completion with respect to development of the Sites as set forth in Section 3.07 of this Agreement, the Developer shall not, without prior written approval of the Agency, or except as permitted by this Agreement, (i) assign or attempt to assign this Agreement or any right herein or (ii) make any total or partial sale, transfer, conveyance, lease, leaseback, or assignment of the whole or any part of the Phase I Site or the Phase II Site or the improvements thereon. This prohibition shall not apply to any of the following: (1) the reasonable grant by the Developer of utility easements or permits to facilitate the development of the Sites; (2) the assignment of all of the Developer's interest in this Agreement and the Sites to a limited liability company of which the Developer is the managing member (and the assumption of such interest by such limi ted liability company); and (3) sales by the Developer of individual residential lots to individual purchasers of New Homes. (b) It is understood and agreed by the Developer that neither the Developer, nor its assigns or successors in interest to the Sites or this Agreement, shall use or otherwise sell, transfer, convey, assign, lease, leaseback or hypothecate the Phase I Site or the Phase II Site or any portion thereof to any entity or party, or for any use of the Phase I Site or the Phase II Site, that is partially or wholly exempt from the payment of real property taxes pertinent to the Phase I Site or the Phase II Site, or any portion thereof, or which would cause the exemption of the payment of all or any portion of such real property taxes. (c) In the absence of specific written agreement or approval by the Agency, no unauthorized sale, transfer, conveyance, lease, leaseback or assignment of the Phase I Site or the Phase II Site shall be deemed to relieve the Developer or any other party from any obligations under this Agreement. Section 3.05. Security Financing: Right of Holders. (a) Notwithstanding any provision of Section 3.04 to the contrary, mortgages, deeds of trust, or any other form of lien required for any reasonable method of financing the construction and improvement of the Sites are permitted before the recordation of any Certificate of Completion (referred to in Section 3.07 of this Agreement). The Developer shall notify the Agency in writing in advance of any mortgage, deed of trust, or other form of lien for financing if the Developer proposes to enter into the same SBEO/0001/DOC/3477-5 8/18/99 1115 sk 37 CDC 1999-25 before the recordation of any Certificate of Completion. The Developer shall not enter into any such conveyance for construction financing without the prior written approval of the Agency, which approval the Agency may grant if: (i) any such conveyance is given to a responsible financial or lending institution including, without limitation, banks, savings and loan institutions, insurance companies, real estate investment trusts, pension programs and the like, or other acceptable persons or entities for the purpose of constructing the New Homes on the Sites, (ii) such loan contains customary construction lender disbursement controls including covenants that no proceeds of such loan shall be disbursed to the Developer as a "land draw" (except to discharge the security interest of the Agency in one or more of the Phase II Lots) and (iii) no more than twelve (12) of the Phase II Lots under the Agency's Deed of Trust shall be subordinate to such construction loan at any time. (b) The Developer shall promptly notify the Agency of any mortgage, deed of trust or other refinancing, encumbrance or lien that has been created or attached thereto prior to completion of the construction of the improvements on the Sites whether by voluntary act of the Developer or otherwise; provided, however, that no notice of filing of preliminary notices or mechanic's liens need be given by the Developer to the Agency prior to suit being filed to foreclose such mechanic's lien. (c) The words "mortgage" and "deed of trust" as used herein shall be deemed to include all other customary and appropriate modes of financing real estate construction and land development. The Agency agrees to make such amendments regarding the rights of any lender as the approved lender shall reasonably require. (d) The holder of any mortgage, deed of trust or other security interest authorized by this Agreement shall in no manner be obligated by the provisions of this Agreement to construct or complete the improvement of the sites or to guarantee such construction or completion, except to the extent that the Developer, or its permitted successor or assign including such holder of a mortgage, deed of trust or other security shall be obligated to complete the installation of the subdivision public improvements for Phase II Lots by a date no later than the fifth (5th) anniversary following the Close of Escrow. Nothing in this Agreement shall be deemed to permit or authorize any such holder to devote either the Phase I Site or the Phase II Site to any other use, or to construct any other improvement thereon, except those uses or improvements provided for or authorized by this Agreement. SBEO/0001/DOC/3477-5 8/18/99 1115 sk 38 CDC 1999-25 (e) Whenever the Agency shall deliver any notice or demand to the Developer with respect to any breach or default by the Developer in the completion of construction of the improvements, or any breach or default of any other obligations which, if not cured by the Developer, entitle the Agency to terminate this Agreement or exercise its right to re-enter the Sites, or a portion thereof under Section 5.07, the Agency shall at the same time deliver to each holder of record of any mortgage, deed of trust or other security interest authorized by this Agreement a copy of such notice or demand. Each such holder shall (insofar as the rights of the Agency are concerned) have the right, at its option, to commence the cure or remedy of any such default and to diligently and continuously proceed with such cure or remedy, within sixty (60) calendar days after the receipt of the notice; and to add the cost thereof to the security interest debt and the lien of its security interest. If such default shall be a default which can only be remedied or cured by such holder upon obtaining possession, such holder shall seek to obtain possession with diligence and continuity through a receiver or otherwise, and shall remedy or cure such default within sixty (60) calendar days after obtaining possession; provided that in the case of a default which cannot with diligence be remedied or cured, or the remedy or cure of which cannot be commenced, within such sixty (60) calendar day period, such holder shall have such additional time as is reasonably necessary to remedy or cure such default of the Developer. Nothing contained in this Agreement shall be deemed to permi t 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 the Developer's obligations by written agreement satisfactory to the Agency. The holder in that event must agree to complete, in the manner provided in this Agreement, the improvements to which the lien or title of such holder relates and must submit evidence satisfactory to the Agency that it has the qualifications and financial responsibility necessary to perform such obligations. Any such holder completing such improvements in accordance herewith shall be entitled, upon written request made to the Agency, to be issued appropriate Certificates of Completion by the Agency. (f) In any case where, one hundred eighty (180) calendar days after default by the Developer in the completion of construction of improvements under this Agreement, the holder of any mortgage, deed of trust or other security interest creating a lien or encumbrance upon the Property or any portion thereof has not exercised the option to construct the applicable portions of the proj ect, or has exercised the option but has not proceeded diligently and continuously with construction, the Agency may purchase the mortgage, deed of trust or other security interest by SBEO/000l/DOC/3477-5 8/18/99 1115 sk 39 CDC 1999-25 payment to the holder of the amount of the unpaid debt, including principal, accrued and unpaid interest, late charges, costs, expenses and other amounts payable to the holder by the Developer under the loan documents between holder and the Developer. If the ownership of either the Phase I Site or the Phase II Site has vested in the holder, the Agency, if it so desires, shall be entitled to a conveyance from the holder to the Agency upon payment to the holder of an amount equal to the sum of the following: 1. The unpaid mortgage, deed of trust or other security interest debt, including principal, accrued and unpaid interest, late charges, costs, expenses and other amounts payable to the holder by the Developer under the loan documents between the holder and the Developer, at the time title became vested in the holder (less all appropriate credits, including those resulting from collection and application of rentals and other income received during foreclosure proceedings.) 2. All expenses, if any, incurred by the holder with respect to foreclosure. 3. The net expenses, if any (exclusive of general overhead), incurred by the holder as a direct result of the subsequent ownership or management of the Phase I Site or the Phase II Site, such as insurance premiums and real estate taxes. 4. The cost of any improvements made by such holder. 5. An amount equivalent to the interest that would have accrued on the aggregate on such amounts had all such amounts become part of the mortgage or deed of trust debt and such debt had continued in existence to the date of payment by the Agency. 6. After expiration of the aforesaid one hundred eighty (180) calendar day period, the holder of any mortgage, deed of trust or other security affected by the option created by this Section, may demand, in writing, that the Agency act pursuant to the option granted hereby. If the Agency fails to exercise the right herein granted within sixty (60) calendar days from the date of such written demand, the Agency shall be conclusively deemed to have waived such right of purchase of the applicable portion of either the SBEO/0001/DOC/3477-5 8/18/99 1115 sk 40 CDC 1999-25 Phase I Site or the Phase II Site or the mortgage, deed of trust or other security interest. (g) In the event of a default or breach by the Developer of a mortgage, deed of trust or other security interest with respect to the Phase I Site or the Phase II Site (or any portion thereof) prior to the issuance of a Certificate of Completion for the Phase I Site or the Phase II Site (or any portion thereof), and the holder has not exercised its option to complete the development, the Agency may cure the default but is under no obligation to do so prior to completion of any foreclosure. In such event, the Agency shall be entitled to reimbursement from the Developer of all costs and expenses incurred by the Agency in curing the default. The Agency shall also be deemed to have a lien of the Agency as may arise under this Section 3.05(g) upon the Phase I Site or the Phase II Site (or any portion thereof) to the extent of such costs and disbursements. Any such lien shall be subordinate and subject to mortgages, deeds of trust or other security instruments executed by the Developer for the purpose of obtaining the funds to construct and improve the Sites as authorized herein. Section 3.06. Right of the Agency to Satisfy Other Liens on the Sites after Conveyance of Title. After the conveyance of title to the Sites by the Agency to the Developer and prior to the recordation of all Certificates of Completion (referred to in Section 3.07 of this Agreement), and after the Developer has had a reasonable time to challenge, cure or satisfy any unauthorized liens or encumbrances on the Sites, the Agency shall after sixty (60) calendar days prior written notice to the Developer have the right to satisfy any such liens or encumbrances; provided, however, that nothing in this Agreement shall require the Developer to pay or make provisions for the payment of any tax, assessment, lien or charge so long as the Developer in good faith shall contest the validity or amount thereof, and so long as such delay in payment shall not subject the Sites, or any portion thereof, to forfeiture or sale. Section 3.07. Certificates of Completion. (a) Following the written request therefor by the Developer and the completion of construction of the improvements on a Phase I Lot or a Phase II Lot, excluding minor building "punch-list" items to be completed by the Developer upon said Lot, the Agency shall furnish the Developer with a Certificate of Completion for the Phase I Lot or the Phase II Lot, as applicable, as the Agency may, in its sole discretion, deem appropriate, substantially in the form set forth in Exhibit "F" attached hereto. A Certificate of Completion with respect to a Phase II Lot shall be SBEO/OOOl/DOC/3477-5 8/18/99 1115 sk 41 CDC 1999-25 furnished to the Developer only in conjunction with a Developer's request for a release of said Phase II Lot from the Deed of Trust and the payment by the Developer of all amounts required in connection with such request for release. Notwithstanding any provision set forth herein to the contrary, the completion of construction of the improvements on a Phase I Lot or a Phase II Lot shall be deemed to include the completion of construction of a residence on said Lot and any and all parking, front yard and landscaping and related improvements necessary to support or which meet the requirements applicable to the residence and its use and occupancy on said Lot. Further, the completion of construction and development of improvements on a Phase II Lot shall be deemed to include the completion of all subdivision public improvements with respect to the Phase II Site. (b) The Agency shall not unreasonably withhold the issuance of a Certificate of Completion. A Certificate of Completion shall be, and shall so state, that it is a conclusive determination of satisfactory completion of all of the obligations of this Agreement with respect to the development of a Phase I Lot or a Phase II Lot, as applicable. After the recordation of the Certificate of Completion, any party then owning or thereafter purchasing, leasing or otherwise acquiring any interest in the Phase I Lot or the Phase II Lot to which it pertains shall not (because of such ownership, purchase, lease or acquisition) incur any obligation or liability under this Agreement, except that such party shall be bound by any covenants contained in the grant deed or other instrument of transfer which grant deed or other instrument of transfer shall include the provisions of Section 4.01 through 4.05, inclusive, of this Agreement. Neither the Agency nor any other person, after the recordation of a Certificate of Completion for a Phase I Lot or a Phase II Lot, shall have any rights, remedies or controls that it would otherwise have or be entitled to exercise under this Agreement with respect to said Lot, as a result of a default in or breach of any provision of this Agreement, and the respective rights and obligations of the parties shall be limited to those set forth in the grant deed. (c) Any Certificate of Completion shall be in such form as to permit it to be recorded in the Recorder's Office of the County where the Property is located. (d) If the Agency refuses or fails to furnish a Certificate of Completion for a Phase I Lot or a Phase II Lot after written request from the Developer, the Agency shall, within fifteen (15) calendar days of the written request or within three (3) calendar days after the next regular meeting of the Agency, whichever date occurs later, provide to the Developer a written statement setting forth the reasons with respect to the Agency's SBEO/0001/DOC/3477-5 8/18/99 1115 sk 42 CDC 1999-25 refusal or failure to furnish a Certificate of Completion. The statement shall also contain the Agency's opinion of the action the Developer must take to obtain a Certificate of Completion. If the reason for such refusal is confined to the immediate unavailability of specific items or materials for construction or landscaping at a price reasonably acceptable to the Developer or other minor building "punch-list" items, the Agency may issue its Certificate of Completion upon the posting of a bond or irrevocable letter of credit, reasonably approved as to form and substance by the Agency Counsel and obtained by the Developer in an amount representing a fair value of the work not yet completed as reasonably determined by the Agency. If the Agency shall have failed to provide such written statement within the foregoing period, the Developer shall be deemed conclusively and without further action of the Agency to have satisfied the requirements of this Agreement with respect to the Phase I Lot or the Phase II Lot as if a Certificate of Completion had been issued therefor. (e) A Certificate of Completion shall not constitute evidence of compliance with or satisfaction of any obligation of the Developer to any holder of a mortgage, or any insurer of a mortgage securing money loaned to finance the improvements described herein, or any part thereof. A Certificate of Completion shall not be deemed to constitute a notice of completion as referred to in Section 3093 of the California Civil Code, nor shall it act to terminate the continuing covenants or conditions subsequent contained in the Agency Grant Deed attached hereto as Exhibit "C". ARTICLE IV USE OF THE SITE Section 4.01. Uses. (a) Developer covenants and agrees for itself, its successors, and assigns that at least twenty percent (20%) of the New Homes to be developed, constructed and improved on the Sites, shall be reserved for sale and occupancy by Qualified Homebuyers whose Adjusted Family Income at the time of initial occupancy of each New Home does not exceed the household income qualification limi ts of a Moderate-Income Household for the lesser period of twenty (20) years following the recordation of this Agreement or for the Qualified Residence Period of each such New Home. The Developer shall cause to be recorded at the time of close of each "New Home Escrow" for which the provisions of this Section 4.01(a) are applicable the form of the community redevelopment affordability covenants and restrictions substantially in the form as attached hereto Exhibit "G." The SBEO/0001/DOC/3477-5 8/18/99 1115 sk 43 CDC 1999-25 selection of individual New Homes in the Sites which shall be subject to the provisions of this Section 4.01(a) shall be at the discretion of the Developer. The covenant of this Section 4.01(a) shall run with the land. (b) The Developer further covenants and agrees for itself, its successors and assigns that the Sites shall be improved and developed in accordance with the Scope of Development. Developer covenants to develop the Sites in conformity with all applicable laws. The covenants of this Section 4.01(b) shall also run with the land. (c) It is understood and agreed by the Developer that neither the Developer, nor its assigns or successors shall use or otherwise sell, transfer, convey, assign, lease, leaseback or hypothecate the Sites or any portion thereof to any entity or party, or for any use of the Sites, that is partially or wholly exempt from the payment of real property taxes pertinent to the Sites, or any portion thereof, or which would cause the exemption of the payment of all or any portion of such real property taxes. Section 4.02. Maintenance of the Sites. The Developer covenants and agrees for itself, its successors, and assigns to maintain the Sites in a good condition free from any accumulation of debris or waste material, subject to normal construction job- site conditions, and shall maintain in a neat, orderly, healthy and good condition the landscaping required to be planted in accordance with the Scope of Development. In the event the Developer, or its successors or assigns, fails to perform the maintenance as required herein, the Agency shall have the right, but not the obligation, to enter the Sites and undertake, such maintenance activities. In such event, the Developer shall reimburse the Agency for all reasonable sums incurred by it for such maintenance activities. The obligation of the Developer under this Section 4.02 shall be discharged for each Lot at such time as a Certificate of Completion for the Lot is recorded. Section 4.03. Obligation to Refrain from Discrimination. The Developer covenants and agrees for itself, its successors, its assigns and every successor in interest to the Sites or any part thereof, that there shall be no discrimination against or segregation of any person, or group of persons, on account of sex, marital status, race, color, religion, creed, national origin or ancestry in the sale, lease, sublease, transfer, use, occupancy, tenure or enjoyment of the Sites; nor shall the Developer, itself or any person claiming under or through it, establish or permit any such practice or practices of discrimination or segregation with SBEO/0001/DOC/3477-5 8/18/99 1115 sk 44 CDC 1999-25 reference to the selection, location, number, use or occupancy of tenants, lessees, subtenants, sublessee or vendees of the Sites. Section 4.04. Form of Nondiscrimination and Nonsegrega- tion Clauses. The Developer covenants and agrees for itself, its successors, its assigns, and every successor in interest to the Property, or any part thereof, that the Developer, such successors and such assigns shall refrain from restricting the sale, lease, sublease, rental, transfer, use, occupancy, tenure or enjoyment of the Sites (or any part thereof) on the basis of sex, marital status, race, color, religion, creed, ancestry or national origin of any person. All deeds, leases or contracts pertaining thereto shall contain or be subject to substantially the following nondiscrimination or nonsegregation clauses: (a) In deeds: "The grantee herein covenants by and for itself, its successors and assigns, and all persons claiming under or through them, that there shall be no discrimination against or segregation of, any person or group of persons on account of race, color, creed, religion, sex, marital status, national origin, or ancestry 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 it, 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, subtenants, sublessee, or vendees in the premises herein conveyed. The foregoing covenants shall run with the land." (b) In leases: "The Lessee herein covenants by and for itself, its successors and assigns, and all persons claiming under or through them, and this lease is made and accepted upon and subj ect to the following conditions: That there shall be no discrimination against or segregation of any person or group of persons, on account of race, color, creed, religion, sex, marital status, national origin, or ancestry, in the leasing, subleasing, transferring, use, occupancy, tenure, or enjoyment of the premises herein leased nor shall the lessee itself, or any person claiming under or through it, 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, sublessee, subtenants, or vendees in the premises herein leased." (c) against or account of In contracts: "There shall be no discrimination segregation of any person or group of persons on race, color, creed, religion, sex, marital status, SBEO/0001/DOC/3477-5 8/18/99 1115 sk 45 CDC 1999-25 national origin, or ancestry, in the sale, lease, sublease, transfer, use, occupancy, tenure, or enjoyment of the premises herein conveyed or leased, nor shall the transferee or any person claiming under or through it, 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 of the premises herein transferred." The foregoing provision shall be binding upon and shall obligate the contracting party or parties and any subcontracting party or parties, or other transferees under the instrument. Section 4.05. Effect and Duration of Covenants. The covenants established against discrimination shall remain in effect in perpetuity. The covenants respecting uses and occupancy of each of the thirteen (13) New Homes which are designated by the Developer to be initially occupied by a Qualified Homebuyer as set forth in Section 4.01(a), shall remain in effect for the Qualified Residence Period of each such New Home, and shall run with the land and shall constitute equitable servitudes thereon, and shall, wi thout regard to technical classification and designation, be binding for the benefit and in favor of the Agency, its successors and assigns and the City. The Agency is deemed the beneficiary of the terms an provisions of this Agreement and of the covenants running with the land for and in its own rights and for the purposes of protecting the interests of the community. The Agency shall have the right, if such covenants are breached, to exercise all rights and remedies and to maintain any actions or suits at law or in equity or such other proper proceedings to enforce the curing of such breaches to which it or any other beneficiary of such covenants may be entitled, including, without limitation, to specific performance, damages and injunctive relief. The Agency shall have the right to assign all of its rights and benefits hereunder to the City. Section 4.06. Affordable HousinG Development Contingent Interest Fee Payment by Developer to the Aaency. (a) As additional consideration payable by the Developer to the Agency, separate from the Purchase Price, the Developer shall also pay the Agency the "Contingent Interest Fee" in an amount not to exceed the sum of Sixty-Two Thousand Dollars ($62,000.00) as set forth in this Section 4.06. The Contingent Interest Fee, if any, shall be payable to the Agency solely from the "Profit," as defined in Section 4.06 (b), realized by the Developer from the sale or transfer (other than a permitted transfer as set forth in Section 3.04) of its interest in the Sites SBEO/0001/DOC/3477-5 8/18/99 1115 sk 46 CDC 1999-25 or this Development. The Contingent Interest Fee shall be due and payable to the Agency in two (2) installments, as follows: (i) within thirty (30) days following the earlier date of (A) the close of the last New Home Escrow for the sale of all of the completed New Homes in Phase I Site; or (B) the sale, transfer, assignment or other hypothecation of the interest of the Developer in all of the Phase I lots to a third party, other than to New Homeowners or except for a permitted construction- related financing authorized by Section 3.04. (ii) within thirty (30) days following the earlier date of either: (A) the close of the last New Home Escrow for the sale of all of the completed New Homes in the Phase II site; or (B) the sale, transfer, assignment or other hypothecation of the interest of the Developer in all of the Phase II Lots to a third party other than to New Homebuyers or except for a permitted construction-related financing authorized under Section 3.04. (b) For the purpose of this Section 4.06, the words and phrases set forth below shall have the following meanings: "Contingent Interest Fee" means and refers to a sum not to exceed Sixty-Two Thousand Dollars ($62,000.00) which shall be payable to the Agency at the times set forth in Section 4.06(a)from the Profit of the Developer on the Project. "Profit of the Developer" means and refers to the gross amount realized by the Developer upon the sale or transfer of its interest in the Agreement or in the Sites, after deducting the Project Costs incurred during the course of the acquisition and development of the Sites and the Project. SBEO/0001/DOC/3477-5 8/18/99 1115 sk 47 CDC 1999-25 "Proiect Costs" means and refers to the aggregate of the following customary and commercially reasonable costs incurred by the Developer in connection with the acquisition and development of the Project: (A) the Purchase Price of the Sites payable to the Agency; (B) the cost of site preparation; (C) architectural, engineering, legal, accounting, consulting, and other fees paid in connection with the planning, execution and financing of the proj ect including the cost of furnishing one or more models of the model homes to be constructed at the Sites; (D) (E) (F) (G) (H) (I) SBEO/0001/DOC/3477-5 8/18/99 1115 sk the costs of surveys, plans in (C) above; other necessary studies, and permits not included the cost of insurance, interest and financing for the construction of the New Homes, surety and completion bonds, property taxes, and special assessment costs incurred during the course of construction of this Project; the cost of construction of the New Homes on the Sites; the cost of all other improvements to the Sites including landscaping, fencing, site preparation and the installation of streets, sewers, utilities, and other off-site improvements; indirect costs of the Developer for the construction of the New Homes, including the cost of a construction superintendent, and construction security by private patrol services; New Home sales marketing and advertising costs and the cost payable by the Developer as escrow costs, fees and charges upon the sale of each New Home to a Home Buyer plus real estate sales 48 CDC 1999-25 commissions third party time of sale paid by the Developer to real estate brokers at the of each New Home; (J) A developer fee payable to the Developer of five percent (5%) of the gross selling price of each completed New Home. (c) From and after the Close of Escrow until the Contingent Interest Fee is paid in full, the Developer shall provide the Agency with the following financial reports relating to the Sites and the Project: (i) within forty-five (45) days of the end of each calendar quarter and upon the request of the Agency, a report on the status of the Project, which shall include, at a minimum, the trial balance, general ledger, cash receipt journal, cash disbursements journal, sales journal, job cost summary compared with the Project proforma, bank statement, and quarterly profit and loss statement, and schedule of cash flows and a weekly sales report for New Homes, as applicable; and (ii) within one hundred twenty (120) days after the end of each fiscal year, an annual unaudited financial statement, prepared by the Developer for the Project, or, if obtained by the Developer, an audited financial statement. (d) The Developer shall provide the Agency with a suitably detailed written accounting prepared in accordance with generally-accepted accounting principals of the amount of the Contingent Interest Fee payable. The Agency shall have the right to inspect the business and final records of the Developer as related to these calculations and verification of the amount of the Contingent Interest Fee as may be payable to the Agency, if any. The Developer shall provide the Agency (and its auditors or accountants) with access to such business records upon reasonable prior notice from the Agency. ARTICLE V DEFAULTS, REMEDIES AND TERMINATION SBEO/0001/DOC/3477-5 8/18/99 1115 sk 49 CDC 1999-25 Section 5.01. Defaults - General. (a) Subj ect to the extensions of time set forth in Section 6.05 hereof, failure or delay by either party to perform any term or provision of this Agreement shall constitute a default under this Agreement; provided, however, that if a party otherwise in default commences to cure, correct or remedy such default within thirty (30) calendar days after receipt of written notice specifying such default and shall diligently and continuously prosecute such cure, correction or remedy to completion (and where any time limits for the completion of such cure, correction or remedy are specifically set forth in this Agreement, then within said time limits), such party shall not be deemed to be in default hereunder. (b) The injured party shall give written notice of default to the party in default, specifying the default complained of by the nondefaulting party. Delay in giving such notice shall not constitute a waiver of any default nor shall it change the time of default. (c) Any failure or delays by either party in asserting any of its rights and remedies as to any default shall not operate as a waiver of any default or of any such rights or remedies. Delays by either party in asserting any of its rights and remedies shall not deprive either party of its right to institute and maintain any actions or proceedings which it may deem necessary to protect, assert or enforce any such rights or remedies. Section 5.02. Legal Actions. (a) In addition to any other rights or remedies, either party may institute legal action to cure, correct or remedy any default, to recover damages for any default, or to obtain any other remedy consistent with the purposes of this Agreement. Such legal actions must be instituted in the Superior Court of the County of San Bernardino, State of California, in any other appropriate court in that County, or in the Federal District Court in the Central District of California. (b) The laws of the State of California shall govern the interpretation and enforcement of this Agreement. (c) In the event that any legal action is commenced by the Developer against the Agency, service of process on the Agency shall be made by personal service upon the Executive Director or Chairman or the Agency, or in such other manner as may be provided by law. SBEO/0001/DOC/3477-5 8/18/99 1115 sk 50 CDC 1999-25 (d) In the event that any legal action is commenced by the Agency against the Developer, service of process on the Developer shall be made by personal service on John Pavelak(or such other Agent for service of process and at such address as may be specified in written notice to the Agency), or in such other manner as may be provided by law, and shall be valid whether made within or without the State of California. Section 5.03. Rights and Remedies are Cumulative. Except with respect to any rights and remedies expressly declared to be exclusive in this Agreement, the rights and remedies of the parties are cumulative and the exercise by either party of one or more of such rights or remedies shall not preclude the exercise by it, at the same or different times, of any other rights or remedies for the same default or any other default by the other party. Section 5.04. Damages. If either party defaults with regard to any provision of this Agreement, the nondefaulting party shall serve written notice of such default upon the defaulting party. If the defaulting party does not diligently commence to cure such default within thirty (30) calendar days after service of the notice of default and promptly complete the cure of such default within a reasonable time, not to exceed ninety (90) calendar days (or such shorter period as may otherwise be specified in this Agreement for any specific default), after the service of written notice of such default, the defaulting party shall be liable to the other party for damages caused by such default. Section 5.05. Specific Performance. If either party defaults under any of the provisions of this Agreement, the nondefaulting party shall serve written notice of such default upon such defaulting party. If the defaulting party does not commence to cure the default and diligently and continuously proceed with such cure within thirty (30) calendar days after service of the notice of default, and such default is not cured within a reasonable time thereafter (and where any time limits for the completion of such cure, correction or remedy are specifically set forth in this Agreement, then within said time limits), the nondefaulting party, at its option, may institute an action for specific performance of the terms of this Agreement, except as otherwise provided in this Agreement. Section 5.06. Agency Rights of Termination Following Close of Escrow. (a) Subject to written notice of default which shall specify the Developer's default and the action required to commence cure of same and upon thirty (30) calendar days notice to the Developer of the Agency's intent to terminate this Agreement SBEO/0001/DOC/3477-5 8/18/99 1115 sk 51 CDC 1999-25 pursuant to this Section, the Agency at its option may terminate this Agreement if the Developer in breach of this Agreement assigns or attempts to assign this Agreement, or any right therein, or attempts to make any total or partial sale, lease or leaseback, transfer or conveyance of the whole or any part of the Sites or the improvements to be developed thereon in violation of the terms of this Agreement, and the Developer does not correct such violation within thirty (30) calendar days from the date of receipt of such notice. (b) Subject to written notice of default, which shall specify the Developer's default and the action required to commence cure of same and upon thirty (30) calendar days notice to the Developer of the Agency's intent to terminate this Agreement pursuant to this Section, the Agency at its option may terminate this Agreement if the Developer: (a) does not within the time limits set forth in this Agreement or as specifically provided in the Schedule of Performance, subject to extensions authorized by this Agreement due to force majeure or otherwise, submit development plans, construction drawings and related documents acceptable to the Planning Department and Building Division of the City for plan check purposes and in order to obtain building permits for the Project, together with applicable fees therefor, all prepared to the minimum acceptable standards as required by the Planning Department and Building Division of the City for commencement of formal review of such documents and as required by this Agreement, or (b) does not carry out its other responsibilities under this Agreement or in accordance with any modification or variance, precise plan, design review and other environmental or governmental approvals and such default is not cured or the Developer does not commence and diligently and continuously proceed with such cure wi thin thirty (30) calendar days after the date of receipt of written demand therefor from the Agency. Section 5.07. Riaht to Reenter. Repossess and Revest. (a) The Agency shall, upon thirty (30) calendar days notice to the Developer which notice shall specify this Section 5.07, have the right, at its option, to re-enter and take possession of all or any portion of the Sites, together with all improvements thereon, and to terminate and revest in the Agency the estate conveyed to the Developer hereunder, if after conveyance of title, the Developer (or its successors in interest) shall: 1. Fail to commence construction of all or any portion of the improvements as required by this Agreement for a period of ninety (90) calendar days after written notice to proceed from the SBEO/0001/DOC/3477-5 8/18/99 1115 sk 52 CDC 1999-25 Agency; provided that the Developer shall not have obtained an extension or postponement to which the Developer may be entitled pursuant to Section 6.05 hereof; or 2. Abandon or substantially suspend construction of all or any portion of the improvements for a period of ninety (90) calendar days after written notice of such abandonment or suspension from the Agency; provided that the Developer shall not have obtained an extension or postponement to which the Developer may be entitled to pursuant to Section 6.05 hereof; or 3. Assign or attempt to assign this Agreement, or any rights herein, or transfer, or suffer any involuntary transfer, of the Sites or any part thereof, in violation of this Agreement, and such violation shall not have been cured within thirty (30) calendar days after the date of receipt of wri tten notice thereof from the Agency to the Developer. (b) The thirty (30) calendar day written notice specified in this Section shall specify that the Agency proposes to take action pursuant to this Section and shall specify which of the Developer's obligations set forth in Subsections (1) through (3) herein have been breached. The Agency shall proceed with its remedy set forth herein only in the event that the Developer continues in default of said obligation(s) for a period of thirty (30) calendar days following such notice or, upon commencing to cure such default, fails to diligently and continuously prosecute said cure to satisfactory conclusion. (c) The right of the Agency to reenter, repossess, terminate, and revest shall be subject and subordinate to, shall be limited by and shall not defeat, render invalid or limit: 1. Any mortgage, deed of trust or other interest permitted by this Agreement; security 2. Any rights or interests provided in this for the protection of the holders mortgages, deeds of trust or other interests; Agreement of such security 3. Any leases, declarations of covenants, conditions and restrictions, easement agreements or other recorded documents applicable to the Sites. SBEO/0001/DOC/3477-5 8/18/99 1115 sk 53 CDC 1999-25 (d) The grant deed to the Sites or to any portion thereof conveyed by the Developer to another party shall contain appropriate references and provisions to give effect to the Agency's right, as set forth in this Section under specified circumstances prior to the recordation of a Certificate of Completion with respect to such portion, to reenter and take possession of such portion, or any part thereof, with all improvements thereon, and to terminate and revest in the Agency the estate conveyed to the Developer. (e) Upon the revesting in the Agency of title to the Sites, or any part thereof, as provided in this Section, the Agency shall, pursuant to its responsibilities under State law, use its best efforts to resell the Sites, or any part thereof, at fair market value as soon and in such manner as the Agency shall find feasible and consistent with the objectives of such law, to a qualified and responsible party or parties (as determined by the Agency) who will assume the obligations of making or completing the improvements, or such other improvements in their stead as shall be satisfactory to the Agency and in accordance with the uses specified for the Property, or any part thereof. Upon such resale of the Sites, or any part thereof, the proceeds thereof shall be applied: 1. First, to make any payment made or necessary to be made to discharge or prevent from attaching or being made any subsequent encumbrances or liens due to obligations incurred with respect to the making or completion of the agreed improvements or any part thereof on the Sites or any portion thereof; next to reimburse the Agency on its own behalf or on behalf of the City for all actual costs and expenses incurred by the Agency and the City, including but not limited to customary and reasonable fees or salaries to third party personnel engaged in such action (but excluding the Agency's or the City's general overhead expense) , in connection with the recapture, management and resale of the Sites or any portion thereof; all taxes, assessments and water and sewer charges paid by the City and/or the Agency with respect to the Sites or any portion thereof; any amounts otherwise owing to the Agency by the Developer and its successor transferee; and 2. Second, to the extent that any and all funds which are proceeds from such resale are thereafter available, to reimburse the Developer, or its successor transferee, up to the amount equal to SBEO/0001/DOC/3477-5 8/18/99 1115 sk 54 CDC 1999-25 the sum of: (1) the Purchase Price paid by the Developer for the Sites (or allocable to the applicable part thereof); and (2) the costs incurred for the development of the Sites, or applicable part thereof, or for the construction of the improvements thereon including, but not limi ted to, costs of carry, taxes and items set forth in the Developer I s cost statement which shall be submitted to and approved by the Agency. 3. Any balance application of Agency. remaining after the foregoing proceeds shall be retained by the ARTICLE VI GENERAL PROVISIONS Section 6.01. Notices. Between the Parties. Demands and Communications (a) Any and all notices, demands or communications submitted by any party to another party pursuant to or as required by this Agreement shall be proper if in writing and dispatched by messenger for immediate personal deli very, or by registered or certified United States mail, postage prepaid, return receipt requested, to the principal office of the Agency and the Developer, as applicable, as designated in Section 1.04(a) and Section 1.04(b) hereof. Such written notices, demands and communications may be sent in the same manner to such other addresses as either party may from time to time designate as provided in this Section. Any such notice, demand or communication shall be deemed to be received by the addressee, regardless of whether or when any return receipt is recei ved by the sender or the date set forth on such return receipt, on the day that it is dispatched by messenger for immediate personal delivery, or two (2) calendar days after it is placed in the United States mail as heretofore provided. (b) In addition to the submission of notices, demands or communications to the parties as set forth above, copies of all notices shall also be delivered by facsimile as follows: to the Developer: Century Crowell Communities, L.P. 1535 South "On Street, Suite 200 San Bernardino, California 92408 Attn: John Pave1ak FAX: (909) 381-0041 with copy to: Best, Best & Krieger, LLP 3750 University Ave. Attn: Kevin K. Randolph, Esq. Riverside, CA 92501 FAX: (909) 686-3083 SBEO/0001/DOC/3477-5 8/18/99 1115 sk 55 CDC 1999-25 to the Agency: Redevelopment Agency of the City of San Bernardino 201 North "En Street Suite 301 San Bernardino, California 92401 FAX: (909) 384-5135 with copy to: Sabo & Green A Professional Corporation 201 No. "En St., Suite 300 San Bernardino, CA 92401 FAX: (909) 383-9378 Section 6.02. Conflict of Interest. No member, official or employee of the Agency having any conflict of interest, direct or indirect, related to this Agreement and the development of the Property shall participate in any decision relating to the Agreement. The parties represent and warrant that they do not have knowledge of any such conflict of interest. Section 6.03. Warranty Against Pavment of Consideration for Agreement. The Developer warrants that it has not paid or given, and will not payor give, any third party any money or other consideration for obtaining this Agreement. Third parties, for the purposes of this Section, shall not include persons to whom fees are paid for professional services if rendered by attorneys, financial consultants, accountants, engineers, architects and the like when such fees are considered necessary by the Developer. Section 6.04. Nonliability of Agency Officials and Employees. No member, official or employee of the Agency shall be personally liable to the Developer, or any successor in interest, in the event of any default or breach by the Agency or for any amount which may become due to the Developer or to its successor, or on any obligations under the terms of this Agreement, except for gross negligence or willful acts of such member, officer or employee. Section 6.05. Enforced Delav: Extension of Time of Performance. In addition to specific provisions of this Agreement, performance by either party hereunder shall not be deemed to be in default, or considered to be a default, where delays or defaults are due to the force majeure events of war, insurrection, strikes, lockouts, riots, floods, earthquakes, fires, casualties, acts of God, acts of the public enemy, epidemics, quarantine restrictions, freight embargoes or lack of transportation, weather-caused delays, inability to secure necessary labor, materials or tools, delays of any contractors, subcontractor or supplier, which are not attributable to the fault of the party claiming an extension of time to prepare or acts or failure to act of any public or governmental agency or entity (provided that acts or failure to act of the City or Agency shall not extend the time for the Agency to act hereunder except for delays associated with lawsuit or injunction including but without limitation to lawsuits pertaining SBEO/0001/DOC/3477-5 8/18/99 1115 sk 56 CDC 1999-25 to the approval of the Agreement, and the like) An extension of time for any such force majeure cause shall be for the period of the enforced delay and shall commence to run from the date of occurrence of the delay; provided however, that the party which claims the existence of the delay has first provided the other party with written notice of the occurrence of the delay within ten (10) days of the commencement of such occurrence of delay. The inability of the Developer to obtain a satisfactory commitment from a construction lender for the improvement of the Sites or to satisfy any other condition of this Agreement relating to the redevelopment of the Sites shall not be deemed to be a force majeure event or otherwise provide grounds for the assertion of the existence of a delay under this Section 6.05. The parties hereto expressly acknowledge and agree that changes in either general economic conditions or changes in the economic assumptions of any of them which may have provided a basis for entering into this Agreement and which occur at any time after the execution of this Agreement, are not force majeure events and do not provide any party with grounds for asserting the existence of a delay in the performance of any covenant or undertaking which may arise under this Agreement. Each party expressly assumes the risk that changes in general economic conditions or changes in such economic assumptions relating to the terms and covenants of this Agreement could impose an inconvenience or hardship on the continued performance of such party under this Agreement, but that such inconvenience or hardship is not a force majeure event and does not excuse the performance by such party of its obligations under this Agreement. Section 6.06. Inspection of Books and Records. The Agency shall have the right at all reasonable times at the Agency's cost and expense to inspect the books and records of the Developer pertaining to the Sites and/or the development thereof as necessary for the Agency, in its reasonable discretion, to enforce its rights under this Agreement. Matters discovered by the Agency shall not be disclosed to third parties unless required by law or unless otherwise resulting from or related to the pursuit of any remedies or the assertion of any rights of the Agency hereunder. The Developer shall also have the right at all reasonable times to inspect the books and records of the Agency pertaining to the Sites and/or the development thereof as pertinent to the purposes of this Agreement. Section 6.07. Approvals. (a) Except as otherwise provided in this Agreement, approvals required of the Agency or the Developer, or any officers, agents or employees of either the Agency or the Developer, shall SBEO/0001/DOC/3477-5 8/18/99 1115 sk 57 CDC 1999-25 not be unreasonably withheld and approval or disapproval shall be given within the time set forth in the Schedule of Performance or, if no time is given, within a reasonable time. (b) to sign on his which are of adjustments to The Executive Director of the Agency is authorized or her own authority amendments to this Agreement routine or technical nature, including minor the Schedule of Performance. Section 6.08. Real Estate Commissions. The Agency shall not be liable for any real estate commissions, brokerage fees or finder fees which may arise from or related to this Agreement. Section 6.09. Indemnification. The Developer agrees to indemnify and hold the City and the Agency, and their officers, employees and agents, harmless from and against all damages, judgments, costs, expenses and fees arising from or related to any act or omission of the Developer in performing its obligations hereunder. The Agency agrees to indemnify and hold the Developer and its officers, employees and agents, harmless from and against all damages, judgments, costs, expenses and fees arising from or related to any act or omission of the Agency in performing its obligations hereunder. Section 6.10. Release of Developer from Liability. Notwithstanding any provision herein to the contrary, the Developer shall be relieved of any and all liability for the obligations of the Developer hereunder with regard to any Phase I Lot or any Phase II Lot when a Certificate of Completion has been issued by the Agency hereunder with respect thereto, other than any covenants and obligations provided by the grant deed by which the Sites are conveyed to the Developer hereunder. Section 6.11. Attornevs' Fees. If either party hereto files any action or brings any action or proceeding against the other arising out of this Agreement, seeks the resolution of disputes pursuant to Section 6.12 hereof, or is made a party to any action or proceeding brought by the Escrow Agent, then as between the Developer and the Agency, the prevailing party shall be entitled to recover as an element of its costs of suit or resolution of disputes pursuant to Section 6.12 hereof, and not as damages, its reasonable attorneys' fees as fixed by the Court or other forum for resolution of disputes as set forth in Section 6.12 hereof, in such action or proceeding or in a separate action or proceeding brought to recover such attorneys' fees. Section 6.12. Effect. This Agreement shall be binding upon and inure to the benefit of the parties hereto and their SBEO/0001/DOC/3477-5 8/18/99 1115 sk 58 CDC 1999-25 respective heirs, executors, administrators, legal representatives, successors and assigns. ARTICLE VII ENTIRE AGREEMENT. WAIVERS AND AMENDMENT Section 7.01. Entire Agreement. (a) This Agreement shall be executed in four (4) duplicate originals each of which is deemed to be an original. This Agreement includes 60 pages and 7 attachments, which constitute the entire understanding and Agreement of the parties. (b) This Agreement integrates all of the terms and conditions mentioned herein or incidental hereto, and supersedes all negotiations or previous agreements between the parties with respect to all or any portion of the Sites and the development thereof. (c) None of the terms, covenants, agreements or conditions set forth in this Agreement shall be deemed to be merged with the grant deed conveying title to the Sites, and this Agreement shall continue in full force and effect before and after such conveyance until issuance of the final Certificate of Completion. (d) All waivers of the provisions all amendments hereto must be in writing appropriate authorities of the Agency and the of this Agreement and signed by Developer. and the ARTICLE VIII TIME FOR ACCEPTANCE OF AGREEMENT BY AGENCY AND RECORDATION Section 8.01. Execution and Recordation. (a) Following its execution by the Developer and prompt delivery thereafter to the Agency, this Agreement shall be subject to the review and approval by the governing board of the Agency in its sole and absolute discretion within forty-five (45) calendar days after the date of signature by the Developer. In the event that the Agency has not approved, executed and delivered the Agreement to the Developer within the foregoing period, then the rights and duties of the parties shall be as set forth in the Exclusive Right to Negotiate dated February 15, 1999 as referenced in Section 2.02. The date of this Agreement shall be the date when the Agreement shall have been approved by the Agency. (b) The Developer and the Agency agree to permit recordation of this Agreement or any portion thereof against the Sites in the Office of the County Recorder for the County where the Property is located. SBEO/0001/DOC/3477-5 8/18/99 1115 sk 59 CDC 1999-25 IN WITNESS WHEREOF, the parties hereto have duly executed this Agreement as of the dates set forth below. Date: the APPROVED AS TO FORM: J.juJ, Agency Special ~- l e. - <=t"l Counsel DEVELOPER Century Crowell Communities, L.P., a California limited partnership By Century Homes Communities, a California corporation Date, (J (8, (71'1 r I By' IN. 07~~~{ John W. Pavelak President (All Signatures Must Be Notarized) SBEO/0001/DOC/3477-5 8/18/99 1115 sk 60 CDC 1999-25 STATE OF CALIFORNIA ) COUNTY OF SAN BERNARDINO ) On Auaust 18. 1999 before me, Lisa A. Gomez. Notary Public, personally appeared Gary Van Osdel . personally known to me ~ ",roves to FRe on the l::la6i6 of 6ati6faotory e'/idenoe) to be the personW whose nameW islaFe subscribed to the within instrument and acknowledged to me that he/6ho/tt.1ey executed the same in his/hOFltheir authorized capacity~, and that by his/her/their signatureW on the instrument the personW, or the entity upon behalf of which the personW acted, executed the instrument. WITNESS my hand and official seal. (Seal) r;------ ~ lJSAA-G~::Z - 1 j. Commission # II 98927 ! Notary Publ"lC - CalifornIa f San Bemaarno Counly - - - - -My-~~~J~~l CDC 1999-25 STATE OF CALIFORNIA ) COUNTY OF SAN BERNARDINO ) On Auaust 18. 1999 before me, Lisa A. Gomez. Notary Public, personally appeared John W. Pavelak , personally known to me ~ pro':oEl to FRe on the I::la€i€ of €ati€motory OViElOFlOO) to be the personW whose nameW islaFe subscribed to the within instrument and acknowledged to me that he/st.1e.'tt.1ey executed the same in his/her.l.their authorized capacity~, and that by his.'her.'their signatureW on the instrument the personW, or the entity upon behalf of which the personW acted, executed the instrument. WITNESS my hand and official seal. (Seal) r u' "':1 . !) "~'\ A. GO,va: . NComm/SSion # J 1989"'" . , cta <<I . \:<-';.. . / ry Public - CalifornIa ;r; . ~ San Bemac1no Cou ! . MyComm.Ellp/resoct)a~ CDC 1999-25 EXHIBIT "A" LEGAL DESCRIPTION SBEO/0001/DOC/3477-5 8/18/99 1115 sk Exh. "A" - 1 CDC 1999-25 3. The land referred to in this report is situated in the State of California, County of SAN BERNARD INO and is described as follows: LOTS 1 THROUGH 38, INCLUSIVE, OF TRACT NO. 13822, IN THE CITY OF SAN BERNARDINO, AS PER MAP RECORDED IN BOOK 240, PAGES 49 AND 50 OF MAPS, IN THE OFFICE OF THE COUNTY RECORDER OF SAID COUNTY. PREA .10/31/B7bk 3. The land referred to in this report is situated in the State of California, County of SAN BERNARD INO and is described as follows: LOTS 6 THROUGH 13, INCLUSIVE AND 27 THROUGH 42, INCLUSIVE OF TRACT NO. 11261, IN THE CITY OF SAN BERNARDINO, COUNTY OF SAN BERNARDINO, STATE OF CALIFORNIA, AS PER MAP FILED IN BOOK 156 OF HAPS, PAGES 57 THROUGH 59, INCLUSIVE, RECORDS OF SAID COUNTY. CDC 1999-25 EXHIBIT "B" (A) FORM OF $266,000.00 PROMISSORY NOTE SECURED BY A DEED OF TRUST (B) FORM OF DEED OF TRUST AND ASSIGNMENT OF RENTS (C) FORM OF PAYMENT GUARANTY OF GENERAL PARTNER OF DEVELOPER - - TO BE SUBMITTED IN A FORM MUTUALLY ACCEPTABLE TO THE PARTIES BY A DATE NO LATER THAN THE END OF THE DEVELOPER'S DUE DILIGENCE INVESTIGATIONS SBEO/0001/DOC/3477-5 8/18/99 1115 sk Exh. "B" - 1 CDC 1999-25 PROMISSORY NOTE PAYABLE TO A PUBLIC AGENCY (Disposition of Lots Nos. 1-38, Inclusive of Tract No. 13822) MAKER: HOLDER: Century Crowell Communities,L.P., a California limited partnership Redevelopment Agency of the City of San Bernardino 201 North "EU Street Suite 301 San Bernardino, California 92401 Principal Amount: $266,000.00 Date of Promissory Note: 1999 [TO BE INSERTED BY ESCROW HOLDER ON DATE OF CLOSE OF ESCROW] Interest Rate: 8% PROMISE TO PAY. Century Crowell Communities, LP, a California limited partnership, (the "MAKERU) promises to pay to the Redevelopment Agency of the City of San Bernardino (the "AgencyU), or order, in lawful money of the United States of America, the principal amount of Two Hundred Sixty-Six Thousand Dollars ($266,000.00), together with interest on the unpaid outstanding principal balance hereof. Interest shall commence to accrue and shall be calculated from the date of this Promissory Note Payable to A Public Agency (the "Promissory NoteU) until the outstanding principal balance and all accrued and unpaid interest hereunder has been paid. INDEBTEDNESS AND MATURITY DATE. This Promissory Note evidences the indebtedness of the MAKER to the Agency in the original principal amount of $266,000.00, under the terms and conditions of the 1999 Purchase and Sale Agreement, dated as of 1999, by and between the MAKER and the Agency. The Promissory Note shall mature and the outstanding principal balance, together with all accrued and unpaid interest shall be payable on the fifth (5th) anniversary following its date (i.e.: , 2004). A copy of SBEO/0001/DOC/3467 4/21/99 300 ct 1 CDC 1999-25 the 1999 Purchase and Sale Agreement and Escrow Instructions is on file with the Agency Secretary as a public record of the Agency. INTEREST RATE: Interest shall accrue on the outstanding principal balance of this Promissory Note from its date until maturity at the rate of eight percent (8%) per annum. Accrued and unpaid amounts of interest shall compound annually prior to maturity. INTEREST PAYMENTS PRIOR TO MATURITY. MAKER shall make monthly payments of interest or the outstanding principal balance of this Promissory Note commencing with the first such payment on the first day of the calendar month immediately following the second (2d) anniversary date and thereafter on the first day of each succeeding calendar month until paid in full. Provided that the MAKER is current in payments of accrued interest, the MAKER may prepay any portion or all of outstanding principal balance of this Promissory Note at any time prior to maturity without penalty. Interest on this Promissory Note is computed on a 365/360 compounded interest basis; that is, by applying the ratio of the annual interest rate over a year of 360 days, multiplied by the outstanding principal balance, multiplied by the actual number of days the principal balance is outstanding. MAKER will make all payments of interest and principal to the Agency at: 201 North "EN Street, Suite 301, San Bernardino, California 92401 or at such other place as the Agency may designate in writing. Unless otherwise agreed to by the Agency in writing or required by applicable law, all payments will be applied first to any unpaid collection costs and any late charges, then to any unpaid interest, and any remaining amount to principal. LATE CHARGE: If a payment is ten (10) days or more late, MAKER will also be charged a payment of One Hundred Dollars ($100.00) as a late charge. DEFAULT. MAKER will be in default if any of the following happen: (a) MAKER fails to make any payment within ten (10) days of the date due; or (b) MAKER fails to comply with or to perform when due any other term, obligation, covenant, or condition contained in this Promissory Note or the Deed of Trust securing this Promissory Note and any applicable cure period has expired. SBEO/0001/DOC/3467 4/21/99 300 ct 2 CDC 1999-25 If any default (other than a default in payment on this Promissory Note) is curable, the default may be cured (and in such event no default will be deemed to have occurred) if MAKER, after receiving written notice from the Agency demanding cure of such default: (i) cures the default within thirty (30) days; or (ii) if the cure requires more than thirty (30) days, ini tiates steps to cure the default wi thin said thirty (30) days, and thereafter MAKER continues and completes all reasonable and necessary steps sufficient to produce compliance as soon as reasonably practical. RIGHTS OF THE AGENCY. Upon default, the Agency may exercise any of its rights provided in this Promissory Note or in the Deed of Trust and Assignment of Rents of even date hereunder, including without limitation, the declaration by the Agency that the entire unpaid principal balance on this Promissory Note and all accrued unpaid interest is immediately due, without further notice, and then MAKER will pay that amount. The Agency may hire or pay a third party to help collect this Promissory Note if MAKER does not pay. MAKER also will pay the Agency that amount. This includes, subject to any limits under applicable law, the Agency's attorneys' fees and the Agency's legal expenses whether or not there is a lawsui t, including attorneys' fees and legal expenses for bankruptcy proceedings (including efforts to modify or vacate any automatic stay or injunction), appeals, and any anticipated post- judgment collection service costs. MAKER also will pay any court costs, in addition to all other sums provided by law. This Promissory Note has been delivered to the Agency and accepted by the Agency in the State of California. If there is a lawsuit arising under this Promissory Note, the Superior Court of San Bernardino County, the State of California, shall have jurisdiction of such lawsuit. This Promissory Note shall be governed by and construed in accordance with the laws of the State of California. COLLATERAL. MAKER acknowledges that this Promissory Note is secured by a Deed of Trust and Assignment of Rents of even date herewi th. The Deed of Trust and Assignment of Rents affects certain real property commonly known as Lot Nos. 1-38, inclusive of Tract No. 13822, in the City of San Bernardino, California. The Deed of Trust and Assignment of Rents contains the following due on sale provision: "THE AGENCY MAY, AT IS OPTION, DECLARE IMMEDIATELY DUE AND PAYABLE ALL SUMS SECURED BY THIS DEED OF TRUST UPON THE SALE SBEO/0001/DOC/3467 4/21/99 300 ct 3 CDC 1999-25 OR TRANSFER OF ALL OR ANY PART OF THE PROPERTY, OR ANY INTEREST THEREIN, UNLESS PRIOR TO SUCH SALE OR TRANSFER THE TRUSTOR HAS REQUESTED THE AGENCY TO ACCEPT A PAYMENT IN CASH FOR THE PARTIAL RELEASE OF THE DEED OF TRUST FROM ONE OR MORE OF THE LOTS ON THE PROPERTY IN ACCORDANCE WITH THE FOLLOWING FORMULA: PARTIAL RELEASE PRICE ($7,000.00) + (the number of Lots of Tract No. 13822 requested for partial lease) $50.00 per request of the Trustor for a partial release The Agency Beneficiary shall promptly execute an appropriate form of the release and reconveyance for one or more Lots on the Property held as security for the payment of the obligation secured by this Deed of Trust for which the Agency has received payment in cash or available funds of the PARTIAL RELEASE PRICE as determined in accordance with the above- described "RELEASE PRICE," plus any accrued and unpaid interest as may then be due from Trustor. The words "sale or transfer" as used herein mean the conveyance by Trustor of the Property or any right, title or interest therein, whether legal, beneficial, or equitable; whether voluntary or involuntary, whether by sale, deed, installment sale contract, land contract, lease option contract, or by sale assignment, or transfer of any beneficial interest in the Property to any land trust. Notwithstanding the foregoing, trustor may transfer the Property an affiliate of Trustor without the consent of the Agency. Initials of Trustor" GENERAL PROVISIONS. The Agency may delay or forego enforcing any of its rights or remedies under this Promissory Note without losing them. To the extent allowed by law, the MAKER waives any applicable statute of limitations, presentment, demand for payment, protest and notice of dishonor. Upon any change in the terms of this Promissory Note, and unless otherwise expressly stated in writing, no party who signs this Promissory Note, whether as maker, guarantor, accommodation maker or endorser, shall be released from liability. All such parties agree that the Agency may renew or extend (repeatedly and for any length of time) this Promissory Note, or release any party, or guarantor or collateral; or impair, SBEO/0001/DOC/3467 4/21/99 300 ct 4 CDC 1999-25 fail to realize upon or perfect the security interest of the Agency in the collateral; and take any other action deemed necessary by the Agency in its sole discretion without the consent of or notice to anyone. All such parties also agree that the Agency may modify this Promissory Note without the consent of or notice to anyone other than the MAKER. ASSIGNMENT OF PROMISSORY NOTE BY AGENCY. The Agency may assign its interest in this Promissory Note (and the Deed of Trust and Assignment of Rents of even date herewith) to a third party at any time prior to the maturity of this Promissory Note. PRIOR TO SIGNING THIS PROMISSORY NOTE, MAKER HAS READ AND UNDERSTANDS ALL OF ITS PROVISIONS. MAKER AGREES TO THE TERMS OF THIS PROMISSORY NOTE AND ACKNOWLEDGES RECEIPT OF A COpy HEREOF. MAKER: Century Crowell Communities, LP, a California limited partnership, By: By: SBEO/0001/DOC/3467 4/21/99 300 ct 5 CDC 1999-25 RECORDATION REQUESTED BY AND WHEN RECORDED MAIL TO: REDEVELOPMENT AGENCY OF THE CITY OF SAN BERNARDINO 201 North "E" Street Suite 301 San Bernardino, California 92401 Attention: Executive Director Space Above This Line is For Recorder's Use Only DEED OF TRUST AND ASSIGNMENT OF RENTS (CENTURY CROWELL COMMUNITIES) THIS DEED OF TRUST AND ASSIGNMENT OF RENTS (the "Deed of Trust") is dated, 1999, among Century Crowell Communities, L.P., a California limited partnership (the "Trustor"), whose address is , California and the Redevelopment Agency of the City of San Bernardino (referred to herein as the "Lender" or "Beneficiary"), whose address is 201 North "E" Street, Suite 301, San Bernardino, California 92401; and First American Title Insurance Company, a California corporation (the "Trustee"), whose address is San Bernardino, California 1.0 CONVEYANCE AND GRANT. For valuable consideration, Trustor irrevocably grants, transfers and assigns to Trustee in trust, with power of sale, for the benefit of Lender as Beneficiary, all of Trustor's right, title, and interest in and to the following described real property, together with all existing or subsequently erected or affixed buildings, improvements and fixtures; all easements, rights of way, and appurtenances and all other rights, royalties, and profits relating to the real property, including and without limitation all minerals, oil, gas, geothermal and similar matters located in the City of San Bernardino, San Bernardino County, State of California (the "Property") : SEE EXHIBIT "A" LEGAL DESCRIPTION ATTACHED HERETO SBEO/0001/DOC/3524 7/13/99 100 ct 1 CDC 1999-25 Trustor presently assigns to the Lender all of Trustor's right, title and interest in and to all present and future leases of the Property and all Rents from the Property. In addition, Trustor grants Lender a Uniform Commercial Code security interest in the Rents and the Personal Property defined below. 2.0 DEFINITIONS. The following words shall have the following meanings when used in this Deed of Trust. Terms not otherwise defined in this Deed of Trust shall have the meanings attributed to such terms in the Uniform Commercial Code. All references to dollar amounts shall mean amounts in lawful money of the United States of America: Beneficiary. The word "Beneficiary" means the Redevelopment Agency of the City of San Bernardino. Deed of Trust. The words "Deed of Trust" mean this Deed of Trust and Assignment of Rents among Trustor, Lender, and Trustee, and includes without limitation all assignment and security interest provisions relating to the Personal Property and Rents. Disposition and Deve10pment Agreement. The words Disposition and Development Agreement" refer to that certain Purchase and Sale Agreement and Escrow Instructions, dated as of July 1, 1999, by and between the Trustor and the Beneficiary. Improvements. The word "Improvements" means and includes without limitation all existing improvements on the Property. Indebtedness. The word "Indebtedness" means all principal and, if applicable, interest payable under the Promissory Note and any amounts expended or advanced by Lender to discharge obligations of Trustor or expenses incurred by Trustee or Lender to enforce obligations of Trustor under the Promissory Note and this Deed of Trust, together with interest on such amounts. This Deed of Trust secures, in addition to the amounts specified in the Promissory Note any future advances, together with all interest thereon, which future advances the Lender may in its sole and absolute discretion make so long as Trustor complies with all the terms and conditions of the Promissory Note or other loan agreement. Lender. The word "Lender" means Redevelopment Agency of the City of San Bernardino. SBEO/0001/DOC/3524 7/13/99 100 ct 2 CDC 1999-25 Lot. The word "Lot" means anyone of the subdivided lots of Tract Map No. 13822 (e.g. Lot Nos 1-38, inclusive of Tract Map No. 13822). Personal Property. The words "Personal Property" means all equipment, fixtures, and other articles of personal property now or hereafter owned by Trustor, and now or hereafter attached or affixed to the Property together with all accessions, parts, and additions to, all replacements of, and all substitutions for, any of such property, and together with all proceeds (including without limitation all insurance proceeds and refunds of premiums) from any sale or other disposition of the Property. Promissory Note. The words "Promissory Note" mean the Promissory Note of even date herewith, in the principal amount of TWO HUNDRED SIXTY-SIX THOUSAND DOLLARS ($266,000.00) from Trustor to the Lender, together with all renewals, extensions, modifications, refinancing, and substitutions for the Promissory Note. Property. The word "Property" means collectively the Property and the Personal Property, and the rights described above in the "Conveyance and Grant" section of the Deed of Trust. Rents. The word "Rents" means all present and future revenues, income, issues, royalties, profits, and benefits derived from the Property. rents, other Trustee. The word "Trustee" means First American Title Insurance Company, and any substitute or successor trustees. Trustor. The word "Trustor" means Century Crowell Communities, L.P., a California limited partnership. 3.0 THIS DEED OF TRUST, INCLUDING THE ASSIGNMENT OF RENTS AND THE SECURITY INTEREST IN THE RENTS AND PERSONAL PROPERTY, IS GIVEN TO SECURE (1) PAYMENT OF THE INDEBTEDNESS AND (2) PERFORMANCE OF ANY AND ALL OBLIGATIONS OF TRUSTOR UNDER THE PROMISSORY NOTE AND THIS DEED OF TRUST. THE PROMISSORY NOTE AND THIS DEED OF TRUST ARE GIVEN AND ACCEPTED ON THE FOLLOWING TERMS: 3.1 PAYMENT AND PERFORMANCE. Except as otherwise provided in this Deed of Trust, Trustor shall pay to Lender all amounts secured by this Deed of Trust as they become due, and shall strictly and in a timely manner perform all of Trustor's obligations under the Promissory Note, this Deed of Trust, and the Disposition and Development Agreement. SBEO/0001/DOC/3524 7/13/99 100 ct 3 CDC 1999-25 3.2 POSSESSION AND MAINTENANCE OF THE PROPERTY. Trustor agrees that Trustor's possession and use of the Property shall be governed by the following provisions: Possession and Use. Until the occurrence of an Event of Default, Trustor may (a) remain in possession and control of the Property, (b) use, operate or manage the Property for any purpose authorized by the Disposition and Development Agreement. Duty to Maintain. Trustor shall maintain the Property; provided however, that the Trustor may construct any improvement or structure thereon at any time, without further notice to the Lender. Hazardous Substances. The terms "hazardous wastes," "hazardous substance," "disposal," "release," and "threatened release," as used in this Deed of Trust, shall have the same meanings as set forth in the Comprehensive Environmental Response, Compensation, and Liability Act of 1980, as amended, 42 U.S.C. Section 9601, et~. ("CERCLA"), the Superfund Amendments and Reauthorization Act of 1986, Pub. L. No. 99-499 ("SARA"), the Hazardous Materials Transportation Act. 49 U.S.C. Section 1801, et ~., the Resource Conservation and Recovery Act, 49 U.S.C. Section 6901, et ~., Chapters 6.5 through 7.7 of Division 20 of the California Health and Safety Code, Section 25100, et ~., or other applicable state or Federal laws, rules, or regulations adopted pursuant to any of the foregoing. Trustor represents and warrants to Lender that neither Trustor nor any tenant, contractor, agent or other authorized user of the Property shall use, generate, manufacture, store, treat, dispose of, or release any hazardous waste or substance on, under, or about the Property. Trustor authorizes Lender and its agents to enter upon the Property to make such inspections and tests and Lender may deed appropriate to determine compliance with this section of the Deed of Trust. Any inspections or tests made by Lender shall be for Lender I s purposes only and shall not be construed to create any responsibility or liability on the part of Lender to Trustor or to any other person. Lender's Right to Enter. Lender and its agents and representatives may enter upon the Property at all reasonable times to attend to Lender's interests and to inspect the Property for purposes of Trustor's compliance with the terms and conditions of this Deed of Trust. Compliance with Governmental Requirements. Trustor shall promptly comply with all laws, ordinances, and regulations, now SBEO/0001/DOC/3524 7/13/99 100 ct 4 CDC 1999-25 or hereafter in effect, of all governmental authorities applicable to the use or occupancy of the Property. Trustor may contest in good faith any such law, ordinance, or regulation and withhold compliance during any proceeding, including appropriate appeals, so long as Trustor has notified Lender in writing prior to doing so and so long as, in Lender's sole opinion, Lender's interests in the Property are not jeopardized. Lender may require Trustor to post adequate security or a surety bond, reasonably satisfactory to Lender, to protect Lender's interest. Duty to Protect. Trustor agrees neither to abandon nor leave unattended the Property. Trustor shall do all other acts, in addition to those acts set forth above in this section, which from the character and use of the Property are reasonably necessary to protect and preserve the Property. 3 . 3 DUE ON SALE AND PARTIAL RELEASE AND RECONVEYANCE. THE BENEFICIARY MAY, AT IS OPTION, DECLARE IMMEDIATELY DUE AND PAYABLE ALL SUMS SECURED BY THIS DEED OF TRUST UPON THE SALE OR TRANSFER OF ALL OR ANY PART OF THE PROPERTY, OR ANY INTEREST THEREIN, UNLESS PRIOR TO SUCH SALE OR TRANSFER THE TRUSTOR HAS REQUESTED THE AGENCY TO ACCEPT A PAYMENT IN CASH FOR THE PARTIAL RELEASE OF THE DEED OF TRUST FROM ONE OR MORE OF THE LOTS ON THE PROPERTY IN ACCORDANCE WITH THE FOLLOWING FORMULA: PARTIAL RELEASE PRICE ($7,000.00) X + (the number of Lots of Tract No. 13822 requested for partial release) $50.00 per lot per request of the Trustor for a partial release The Beneficiary shall promptly execute an appropriate form of the release and reconveyance for one or more Lots on the Property held as security for the payment of the obligation secured by this Deed of Trust for which the Agency has received payment in cash or available funds of the PARTIAL RELEASE PRICE as determined in accordance with the above-described "RELEASE PRICE," plus any amount as may then be due from Trustor as provided in Paragraph 3.6 of this Deed of Trust. The words "sale or transfer" as used herein mean the conveyance by Trustor of the Property or any right, title or interest therein, whether legal, beneficial, or equitable; whether voluntary or involuntary, whether by sale, deed, installment sale contract, land contract, lease option contract, or by sale assignment, or transfer of any beneficial interest in the Property to any land trust. Notwithstanding the foregoing, SBEO/0001/DOC/3524 7/13/99 100 ct 5 CDC 1999-25 trustor may transfer the Property to an affiliate of Trustor without the consent of the Beneficiary. Initials of Trustor" 3.4 TAXES AND LIENS. The following provisions relating to the taxes and liens on the Property are part of this Deed of Trust: Payment. To the extent that the Trustor may not be exempt from the payment of taxes or liens as a local public agency, Trustor shall pay when due (and in all events at least ten (10) days prior to delinquency) all taxes, special taxes, assessments, charges (including water and sewer), fines and impositions levied against or on account of the Property, and shall pay when due all claims for work done on or for services rendered or material furnished to the Property. Trustor shall maintain the Property free of all liens having priority over or equal to the interest of Lender under this Deed of Trust, except for the lien of property taxes and assessments not due. Right to Contest. Trustor may withhold payment of any tax, assessment, or claim in connection with a good faith dispute over the obligation to pay, so long as Lender's interest in the Property is not jeopardized. If a lien arises or is filed as a result of nonpayment, Trustor shall within fifteen (15) days after the lien arises or, if a lien is filed, within fifteen (15) days after Trustor has notices of the filing, secure the discharge of the lien, or if requested by Lender, deposit with Lender cash or a sufficient corporate surety bond or other securi ty satisfactory to Lender in an mount sufficient to discharge the lien plus any costs and attorneys' fees or other charges that could accrue as a result of a foreclosure or sale under the lien. In any contest, Trustor shall defend itself and Lender and shall satisfy any adverse judgment before enforcement against the Property. Trustor shall name Lender as an additional obligee under any surety bond furnished in the contest proceedings. Evidence of Payment. Trustor shall upon demand furnish to Lender satisfactory evidence of payment of the taxes or assessments and shall authorize the appropriate governmental official to deliver to Lender at any time a written statement of the taxes and assessments against the Property. 3.5 [Reserved -- No Text] SBEO/0001/DOC/3524 7/13/99 100 ct 6 CDC 1999-25 3.6 EXPENDITURES BY LENDER. If Trustor fails to comply with any provision of this Deed of Trust, or if any action or proceeding is commenced that would materially affect Lender's interests in the Property, Lender on Trustor's behalf may, but shall not be required to, take any action that Lender deems appropriate. Any amount that Lender expends in so doing will bear interest at a rate of interest per annum of eight percent (8%) from the date incurred or paid by Lender to the date of repayment by Trustor. All such expenses, with interest thereon will, at Lender's option: (a) be payable on demand; or (b) be added to the balance of the Promissory Note and be payable with any partial release installment payments to become due during the remaining term of the Promissory Note; or (c) be treated as a balloon payment which will be due and payable at the Promissory Note's maturity. This Deed of Trust also will secure payment of these amounts. The rights provided for in this paragraph shall be in addition to any other rights or any remedies to which Lender may be entitled on account of the default. Any such action by Lender shall not be construed as curing the default so as to bar Lender from any remedy that it otherwise would have had. 3.7 WARRANTY; DEFENSE OF TITLE. The following provisions relating to ownership of the Property are a part of this Deed of Trust: Title. Trustor warrants that Trustor has the full right power, and authority to execute and deliver this Deed of Trust to Lender. Defense of Title. Trustor warrants and will forever defend its title to the Property against the claims of all persons subject to the matters disclosed in the policy of title insurance of even date herewith, issued in favor of the Trustor pursuant to the Disposition and Development Agreement. In the event any action or proceeding is commenced that questions Trustor's title or the interest of Trustee or Lender under this Deed of Trust, Trustor shall defend the action at Trustor's expense. Trustor may be the nominal party in such proceeding, but Lender shall be entitled to participate in the proceeding and to be represented in the proceeding by counsel of Lender's own choice, and Trustor will deliver, or cause to be delivered, to Lender such instruments as Lender may request from time to time to permit such participation. Compliance with Laws. Trustor warrants that the Property and Trustor's use of the Property complies with all existing applicable laws, ordinances, and regulations of governmental authorities. SBEO/0001/DOC/3524 7/13/99 100 ct 7 CDC 1999-25 3.8 CONDEMNATION. The following provisions relating to condemnation proceedings are a part of this Deed of Trust: App1ication of Net Proceeds. If all or any part of the Property is condemned by eminent domain proceedings or by an proceeding or purchase in lieu of condemnation, Lender may at its election require that all or any portion of the net proceeds of the award be applied to the Indebtedness or the repair or restoration of the Property. The net proceeds of the award shall mean the award after payment of all reasonable costs, expenses, and attorneys' fees, Trustee or Lender in connection with the condemnation. Proceedings. If any proceeding in condemnation is filed, Trustor shall promptly notify Lender in writing, and Trustor shall promptly take such steps as may be necessary to defend the action and obtain the award. Trustor may be the nominal party in such proceeding, but Lender shall be entitled to participate in the proceeding and to be represented in the proceeding by counsel of its own choice, and Trustor will deliver or cause to be delivered to Lender such instruments as may be requested by it from time to time to permit such participation. 3.9 IMPOSITION OF TAXES, FEES AND CHARGES BY GOVERNMENTAL AUTHORITIES. The following provisions relating to governmental taxes, fees and charges are a part of this Deed of Trust: Current Taxes, Fees and Charges. Upon request by Lender, Trustor shall execute such documents in addition to this Deed of Trust and take whatever other action is requested by Lender to perfect and continue Lender's lien and security interest on the Property. Trustor shall reimburse Lender for all taxes, as described below, together with all expenses incurred in recording, perfecting or continuing this Deed of Trust, including without limitation all taxes, fees, documentary stamps, and other charges for recording or registering this Deed of Trust. Taxes. The following shall constitute taxes to which this section applies: (a) a specific tax upon this type of Deed of Trust or upon all or any part of the Indebtedness secured by this Deed of Trust; (b) a specific tax on Trustor which Trustor is authorized or required to deduct from payments on the Indebtedness secured by this type of Deed of Trust; (c) a tax on this type of Deed of Trust chargeable against the Lender or the holder of the Promissory Note; and (d) a specific tax on SBEO/0001/DOC/3524 7/13/99 100 ct 8 CDC 1999-25 all or any portion of the Indebtedness or on payments of principal and interest made by Trustor. Subsequent Taxes. If any tax to which this section applies is enacted subsequent to the date of this Deed of Trust, this event shall have the same effect as an Event of Default (as defined below), and Lender may exercise any or all of its available remedies for an Event of Default as provided below unless Trustor either (a) pays the tax before it becomes delinquent, or (b) contests the tax as provided above in the Taxes and Liens section and deposits with Lender cash or a sufficient corporate surety bond or other security satisfactory to Lender. 3.10 [Reserved -- No Text] 3.11 FURTHER ASSURANCES; ATTORNEY-IN-FACT. The following provisions relating to further assurances and attorney-in-fact are a part of this Deed of Trust: Further Assurances. At any time, and from time to time, upon request of Lender, Trustor will make, execute and deliver, or will cause to be made, executed or delivered, to Lender or to Lender's designee, and when requested by Lender, cause to be filed, recorded, refiled, or rerecorded, as the case may be, at such times and in such offices and places as Lender may deem appropriate, any and all such mortgages, deeds of trust, security deeds, security agreements, financing statements, continuation statements, instruments of further assurance, certificates, and other documents as may, in the sole opinion of Lender, be necessary or desirable in order to effectuate, complete, perfect, continue, or preserve (a) the obligations of Trustor under the Promissory Note, this Deed of Trust, and (b) the liens and security interests created by this Deed of Trust as first and prior liens on the Property, whether now owned or hereafter acquired by Trustor. Unless prohibited by law or agreed to the contrary by Lender in writing, Trustor shall reimburse Lender for all costs and expenses incurred in connection with the matters referred to in this paragraph. Attorney-In-Fact. If Trustor fails to do any of the things referred to in the preceding paragraph, Lender may do so for and in the name of Trustor and at Trustor's expense. For such purposes, Trustor hereby irrevocably appoints Lender as Trustor's attorney-in-fact for the purpose of making, executing, delivering, filing, recording, and doing all other things as may be necessary or desirable, in Lender's sole opinion, to accomplish the matters referred to in the preceding paragraph. SBEO/0001/DOC/3524 7/13/99 100 ct 9 CDC 1999-25 4.0 FULL PERFORMANCE AND RECONVEYANCE. If Trustor pays the Promissory Note and all amounts as may become due under this Deed of Trust, Lender shall execute and deliver to Trustee a request for full reconveyance of this Deed of Trust and shall execute and deliver to Trustor suitable statements of termination of any financing statement on file evidencing Lender's security interest in the Rents and Personal Property. Lender may charge Trustor a reasonable reconveyance fee at the time of reconveyance. 5.0 DEFAULT. Each of the following, at the option of Lender, shall constitute an event of default ("Event of Default") under this Deed of Trust: Default on Payments Due Under the Promissory Note. Failure of Trustor to make any payment when due under the Promissory Note. Compliance Default. Failure to comply with any other term, obligation, covenant or condition contained in this Deed of Trust or the Promissory Note. Breaches. ny warranty, representation or statement made or furnished to Lender by or on behalf of Trustor under this Deed of Trust, the Promissory Note or the Disposition and Development Agreement is, or at the time made or furnished was, false in any material respect. Insolvency. The insolvency of Trustor, appointment of a receiver for any part of Trustor's property, any assignment for the benefit of creditors, the commencement of any proceeding under any bankruptcy or insolvency laws by or against Trustor, or the dissolution or termination of Trustor's existence as a going business (if Trustor is a business) . Foreclosure, etc. Commencement of foreclosure, whether by judicial proceeding, self-help, repossession or any other method, by any creditor of Trustor against any of the Property. However, this subsection shall not apply in the event of a good faith dispute by Trustor as to the validity or reasonableness of the claim which is the basis of the foreclosure, provided that Trustor gives Lender written notice of such claim and furnishes reserves or a surety bond for the claim satisfactory to Lender. 5.1 RIGHTS AND REMEDIES UPON EVENT OF DEFAULT. Upon the occurrence of any Event of Default and at any time thereafter, Trustee or Lender, at its option, may exercise anyone or more the SBEO/0001/DOC/3524 7/13/99 100 ct 10 CDC 1999-25 following rights and remedies, in addition to any other rights or remedies provided by law: Foreclosure by Sale. Upon an Event of Default under this Deed of Trust, Beneficiary may declare the entire indebtedness secured by this Deed of Trust immediately due and payable by deli very to Trustee of written declaration of default and demand for sale and of written notice of default and of election to cause to be sold the Property, which notice Trustee shall cause to be filed for record. Beneficiary also shall deposit with Trustee this Deed of Trust, the Promissory Note, other documents requested by Trustee, and all documents evidencing expenditures secured hereby. After the lapse of such time may then be required by law following the recordation of the notice of default, and notice of sale having been given as then required by law. Trustee, without demand on Trustor, shall sell the Property at the time and place fixed by it in the notice of sale, either as a whole or in separate parcels, and in such order as it may determine, at public auction to the highest bidder for cash in lawful money of the United States, payable at time of sale. Trustee may postpone sale of all or any portion of the Property by public announcement at such time and place of sale, and from time to time thereafter may postpone such sale by public announcement at the time filed by the preceding postponement in accordance with applicable law. Trustee shall deliver to such purchaser its deed conveying the Property so sold, but without any covenant or warranty, express or implied. The recitals in such deed of any matters or facts shall be conclusive proof of the truthfulness thereof. Any person, including Trustor, Trustee or Beneficiary may purchase at such sale. After deducting all costs, fees and expenses of Trustee and of this Trust, including cost of evidence of title in connection with sale. Trustee shall apply the proceeds of sale to payment of; all sums expended under the terms hereof, not then repaid, with accrued interest at the amount allowed by law in effect at the date hereof; all other sums then secured hereby; and the remainder, if any, to the person or persons legally entitled thereto. Judicial Foreclosure. With respect to all or any part of the Property, Lender shall have the right in lieu of foreclosure by power of sale to foreclose by judicial foreclosure in accordance with and to the full extent provided by California law. Collect Rents. Lender shall have the right, without notice to Trustor, to take possession of and manage the Property and collect the Rents, including amounts past due and unpaid, and apply the net proceeds, over and above Lender's costs, against SBEO/0001/DOC/3524 7/13/99 100 ct 11 CDC 1999-25 the indebtedness. In furtherance of this right, Lender may require any tenant or other user of the Property to make payments of rent or use fees directly to Lender. If the Rents are collected by Lender, then Trustor irrevocably designates Lender as Trustor's attorney-in-fact to endorse instruments recei ved in payment thereof in the name of Trustor and to negotiate the same and collect the proceeds. Payments by tenants or other users to Lender in response to Lender's demand shall satisfy the obligations for which the payments are made, whether or not any property grounds for the demand existed. Lender may exercise its rights under this subparagraph either in person, by agent, or through a receiver. Appoint Receiver. Lender shall have the right to have a receiver appointed to take possession of all or any part of the Property, with the power to protect and preserve the Property, to operate the Property preceding foreclosure or sale, and to collect the Rents from the Property and apply the proceeds, over and above the cost of the receivership against the indebtedness. The receiver may serve without bond if permitted by law. Lender's right to the appointment of a receiver shall exist whether or not the apparent value of the Property exceeds the indebtedness by a substantial amount. Employment by Lender shall not disqualify a person from serving as a receiver. Tenancy at Sufferance. If Trustor remains in possession of the Property after the Property is sold as provided above or Lender otherwise becomes entitled to possession of the Property upon default of Trustor, Trustor shall become a tenant at sufferance of Lender or the purchaser of the Property and shall, at Lender's option, either (a) pay a reasonable rental for the use of the Property, or (b) vacate the Property immediately upon the demand of Lender. Other Remedies. Trustee or Lender shall have any other right or remedy provided in this Deed of Trust, the Promissory Note, or the Disposition and Development Agreement or by law. Notice of Sale. Lender shall give Trustor reasonable notice of the time and place of any public sale of the Personal Property or of the time after which any private sale or other intended disposition of the Personal Property is to be made. Reasonable notice shall mean notice given at lease five (5) days before the time of the sale or disposition. Any sale of Personal Property may be made in conj unction with any sale of the Property. Sale of the Property. To the extent permitted by applicable law, Trustor hereby waives any and all rights to have the SBEO/0001/DOC/3524 7/13/99 100 ct 12 CDC 1999-25 Property marshalled. In exercising its rights and remedies, the Trustee or Lender shall be free to sell all or any part of the Property together or separately, in one sale or by separate sales. Lender shall be entitled to bid at any public sale on all or any portion of the Property. Waiver: Election of Remedies. A waiver by any party of a breach of a provision of this Deed of Trust shall not constitute a waiver of or prejudice the party's rights otherwise to demand strict compliance with that provision or any other provision. Election by Lender to pursue any remedy provided in this Deed of Trust or the Promissory Note or provided by law shall not exclude pursuit of any other remedy, and an election to make expenditures or to take action to perform an obligation of Trustor under this Deed of Trust after failure of Trustor to perform shall not affect Lender's right to declare a default and to exercise any of its remedies. Attorneys' Fees; Expenses. If Lender institutes any suit or action to enforce any of the terms of this Deed of Trust, Lender shall be entitled to recover such sum as the court may adj udge reasonable as attorneys' fees at trial and on any appeal. Whether or not any court action is involved, all reasonable expenses incurred by Lender which in Lender's opinion are necessary at any time for the protection of its interest or the enforcement of its rights shall become a part of the indebtedness payable on demand and shall bear interest at a rate of interest per annum of eight percent (8%) commencing on the date of expenditure until repaid. Expenses covered by this paragraph include, without limitation, however subject to any limits under applicable law, Lender's attorneys' fees whether or not there is a lawsuit, including attorneys' fees for bankruptcy proceedings (including efforts to modify or vacate any automatic stay or injunction), appeals and any anticipated post-j udgment collection services, the cost of searching records, obtaining title reports (including foreclosure reports), surveyors' reports, appraisal fees, title insurance, and fees for the Trustee, to the extent permitted by applicable law. Trustor also will pay any court costs, in addition to all other sums provided by law. Rights of Trustee. Trustee shall have all of the rights and duties of Lender as set forth in this section. 6.0 POWERS AND OBLIGATIONS OF TRUSTEE. The following provisions relating to the powers and obligations of Trustee are part of this Deed of Trust: SBEO/0001/DOC/3524 7/13/99 100 ct 13 CDC 1999-25 Powers of Trustee. In addition to all powers of Trustee arising as a matter of law, Trustee shall have the power to take the following actions with respect to the Property upon the written request of Lender and Trustor: (a) join in preparing and filing a map or plat of the Property, including the dedication of streets or other rights to the public; (b) join in granting any easement or creating any restriction on the Property; and (c) join in any subordination authorized under the Disposition and Development Agreement or other agreement affecting this Deed of Trust or the interest of Lender under this Deed of Trust. Obligations to Notify. Trustee shall not be obligated to notify any other party of a pending sale under any other trust deed or lien, or of any action or proceeding in which Trustor, Lender, or Trustee shall be a party, unless the action or proceeding is brought by Trustee. Trustee. Trustee shall meet all qualifications required for Trustee under applicable law. In addition to the rights and remedies set forth above, with respect to all or any part of the Property, the Trustee shall have the right to foreclose by notice and sale, and Lender shall have the right to foreclose by judicial foreclosure, in either case in accordance with and to the full extent provided by applicable law. Successor Trustee. Lender, at Lender's option, may from time to time appoint a successor Trustee to any Trustee appointed hereunder by an instrument executed and acknowledged by Lender and recorded in the office of the recorder of San Bernardino County, California. The instrument shall contain, in addition to all other matters required by state law, the names of the original Lender, Trustee, and Trustor the book and page where this Deed of Trust is recorded, and the name and address of the successor trustee, and the instrument shall be executed and acknowledged by Lender or its successors in interest. The successor trustee, without conveyance of the Property, shall succeed to all the title, power, and duties conferred upon the Trustee in this Deed of Trust and by applicable law. This procedure for substitution of trustee shall govern to the exclusion of all other provisions for substitution. 7.0 NOTICES TO TRUSTOR AND OTHER PARTIES. Any notice under this Deed of Trust shall be in writing and shall be effective when actually delivered or, if mailed, shall be deemed effective when deposited in the United States mail first class, registered mail, postage prepaid, directed to the addresses shown near the beginning of this Deed of Trust. Any party may change its address for notices under this Deed of Trust by SBEO/0001/DOC/3524 7/13/99 100 ct 14 CDC 1999-25 giving formal written notice to the other parties, specifying that the purpose of this notice is to change the party's address. All copies of notices of foreclosure from the holder of any lien which has priority over this Deed of Trust shall be sent to Lender's address, as shown near the beginning of this Deed of Trust. For Notice purposes, Trustor agrees to keep Lender and Trustee informed at all times of Trustor's current address. Each Trustor requests that copies of any notices of default and sale be directed to Trustor's address shown near the beginning of this Deed of Trust. 8.0 STATEMENT OF OBLIGATION. Lender may collect a fee, in an mount not to exceed the statutory maximum, for furnishing the statement of obligation as provided by Section 2943 of the Civil Code of California. 9.0 [Reserved -- No Text] 10.0 ASSIGNMENT OF CONTRACTS. In addition to any other grant, transfer or assignment effectuated hereby, without in any manner limiting the generality of the grants in the conveyance and grant section hereof, Trustor shall assign to Beneficiary, as security for the indebtedness secured hereby, Trustor's interest in all agreements, contracts, leases, licenses and permits affecting the Property in any manner whatsoever, such assignments to be made, if so requested by Beneficiary, by instruments in form satisfactory to Beneficiary; but no such assignment shall be construed as a consent by Beneficiary to any agreement, contract license or permit so assigned, or to impose upon Beneficiary any obligations with respect thereto. 11.0 BOOKS AND RECORDS. Trustor shall maintain, or cause to be maintained, proper and accurate books, records and accounts reflecting all items of income and expense in connection with the operation of the Property or in connection with any services, equipment or furnishings provided in connection with the operation of the Property, whether such income or expense be realized by Trustor or by any other person or entity whatsoever excepting persons unrelated to and unaffiliated with Trustor and who leased from Trustor portions of the Property for the purposes of occupying the dame. Upon the request of Beneficiary, Trustor shall prepare and deliver to Beneficiary such financial statements regarding operation of the Property as Beneficiary may reasonably request. Beneficiary, or its designee, shall have the right from time to time during normal business hours to examine such books, records and accounts and to make copies or extracts therefrom. SBEO/0001/DOC/3524 7/13/99 100 ct 15 CDC 1999-25 12.0 MISCELLANEOUS PROVISIONS. The following provisions are a part of this Deed of Trust: miscellaneous Amendments. This Deed of Trust constitutes the entire understanding and agreement of the parties as to the matters set forth in this Deed of Trust. No alteration of or amendment to this Deed of Trust shall be effective unless given in writing and signed by the party or parties sought to be charged or bound by the alteration or amendment. Acceptance by Trustee. Trustee accepts this Trust when this Deed of Trust, duly executed and acknowledged, is made a public record as provided by law. Applicable Law. This Deed of Trust has been delivered to Lender and accepted by Lender in the State of California. This Deed of Trust shall be governed by and construed in accordance with the laws of the State of California. Caption Headings. Caption headings in this Deed of Trust are for convenience purposes only and are not to be used to interpret or define the provisions of this Deed of Trust. Merger. There shall be no merger of the interest or estate created by this Deed of Trust with any other interest or estate in the Property at any time held by or for the benefit of Lender in any capacity, without the written consent of Lender. Severability. If a court of competent jurisdiction finds any provision of this Deed of Trust to be invalid or unenforceable as to any person or circumstance, such finding shall not render that provision invalid or unenforceable as to any other persons or circumstances. If feasible, any such offending provision shall be deemed to be modified to be wi thin the limits of enforceability or validity; however, if the offending provision cannot be so modified, it shall be stricken and all other provisions of this Deed of Trust in all other respects shall remain valid and enforceable. Subdivision of the Property. The Trustor may cause the Property to be subdivided in compliance with the Subdivision Map Act at any time, and the Lender hereby consents to the recordation by the Trustor of a parcel map, subdivision map or parcel merger map affecting all or any part of the Property. Time is of the Essence. Time is of the essence in the performance of this Deed of Trust. SBEO/0001/DOC/3524 7/13/99 100 ct 16 CDC 1999-25 Waivers and Consents. Lender shall not be deemed to have waived any rights under this Deed of Trust unless such waiver is in writing and signed by Lender. No delay or omission on the part of Lender in exercising any right shall operate as a waiver of such right or any other right. A waiver by and any party of a provision of this Deed of Trust shall not constitute a waiver of or prejudice the party's right otherwise to demand strict compliance with that provision or any other provision. No prior waiver by Lender, nor any course of dealing between Lender and Trustor, shall constitute a waiver of any of Lender's rights or any of Trustor's obligations as to any future transactions. Whenever consent by Lender is required in this Deed of Trust, the granting of such consent by Lender in any instance shall not constitute continuing consent to subsequent instances where such consent is required. THE TRUSTOR ACKNOWLEDGES HAVING READ ALL THE PROVISIONS OF THIS DEED OF TRUST, AND THE TRUSTOR AGREES TO ITS TERMS, AND THE TERMS OF THE PROMISSORY NOTE SECURED BY THIS DEED OF TRUST. TRUSTOR: Century Crowell Communities, L.P., a California limited partnership By Century Home Communities, a California corporation By: John W. pavelak President By: Secretary [SIGNATURES MUST BE ACCOMPANIED BY NOTARY JURAT] SBEO/0001/DOC/3524 7/13/99 100 ct 17 CDC 1999-25 EXHIBIT "C" AGENCY GRANT DEED [TO BE SUBMITTED IN A FORM MUTUALLY ACCEPTABLE TO THE AGENCY AND THE DEVELOPER BY A DATE NO LATER THAN THE END OF THE DEVELOPER'S DUE DILIGENCE PERIOD] SBEO/0001/DOC/3477-5 8/18/99 1115 sk Exh. "C" - 1 CDC 1999-25 EXHIBIT "D" SCOPE OF DEVELOPMENT The Sites shall be developed as follows: twenty-four (24) single family detached residential units on the Phase I Site and thirty- eight (38) single family detached residential units on the Phase II Site and all off-site improvements with respect to the Phase II Site, as set forth in the Agreement. The Sites shall be developed in accordance with this Agreement, but subject to the requirements of the Zoning ordinance of the City and any variances or modifications therefrom as approved by the City. The Developer shall effect the design and construction with respect to the development of the Sites in accordance with the Schedule of Performance (Exhibit "D") and this Agreement as follows: The Sites will be developed in two (2) Phases: in the first phase, twenty-four (24) single family detached residential units will be constructed on the Phase I Site and all necessary landscaping for the Phase I Site shall be installed; in the second phase, thirty-eight (38) single family detached residential units will be constructed on the Phase II Site and all necessary landscaping for the Phase II Site shall be installed. In addition to the construction of the residential units on the Phase II Site and the installation of all necessary landscaping with respect thereto, the Developer will be responsible for the construction of all subdivision public improvements, including, but not limited to streets, sewers and sewer lines, power lines and poles, water lines, gas lines, cable lines and related vaults, storm drains and vaults, traffic access ways, lighting poles and standards, handicapped access ramps, construction of tree wells and planting of trees. The development shall be first class, constructed of quality materials, to City Code, and shall be unified in architectural theme and treatment throughout the Sites and adjacent off-site areas, insofar as reasonable and practicable. All improvements to be constructed by the Developer shall be constructed or installed in accordance with the technical specifications, standards and practices of the City and all governing agencies and in accordance with plans and specifications approved by the City. SBEO/0001/DOC/3477-5 8/18/99 1115 sk Exh. "D" - 1 CDC 1999-25 The Developer shall cause the proper documents to be filed and fees paid to all governmental or regulatory agencies, including utilities, for applications for all required permits and approvals. The Developer shall at its cost and expense be responsible for the design and construction of off-site improvements as described above in connection with the development of the Phase II Site, in accordance with any and all standards and requirements of the City, utilities, or other governmental authorities. The Developer shall at its cost and expense undertake and complete any and all soils, utility and drainage studies, plans and reports that may be necessary in connection with the development of the Sites and shall provide a copy of said studies and reports to the Agency. Said studies and reports shall be completed prior to the issuance of any building permits for the Property. SBEO/0001/DOC/3477-5 8/18/99 1115 sk Exh . "D " - 2 CDC 1999-25 EXHIBIT "E" SCHEDULE OF PERFORMANCE (Days shall be calendar days, and all dates herein are subject to change due to force majeure in accordance with Section 6.05 of the Agreement) [THIS SCHEDULE OF PERFORMANCE SHALL BE COMPLETED IN A MUTUALLY ACCEPTABLE FORM BY THE PARTIES BY NO LATER THAN THE END OF THE DEVELOPER'S DUE DILIGENCE INVESTIGATIONS] Agency approval of DDA July 19,1999 Close of EscrowWithin 90 days following Agency Approval of DDA and Opening of Escrow PHASE I-24 homes Submittal of plans for weeks from approval of approvalAgreement planning Submittal of construction weeks from Planning documents and landscapingapproval plans Start of construction weeks from issuance of all permits Completion of model house weeks from start of construction Completion of Phase I weeks from start of construction PHASE II - 38 homes and construction of off-site improvements with respect to Phase II Site Submittal of construction documents and landscaping plans weeks from Start of construction weeks from issuance of all permits Completion of Phase II weeks from start of construction SBEO/0001/DOC/3477-5 8/18/99 1115 sk Exh . " E " - 1 CDC 1999-25 SBEO/0001/DOC/3477-5 8/18/99 1115 sk Exh . " E " - 2 CDC 1999-25 EXHIBIT "F" When Recorded, Mail to: CERTIFICATE OF COMPLETION We, , Chairperson and Secretary of the Redevelopment Agency of the City of San Bernardino (the "Agency") hereby certify as follows: By its Resolution No. , adopted and approved 1999, the Agency has resolved as follows: Section 1. The improvements required to be constructed in accordance with that certain Disposition and Development Agreement (the "Agreement") dated , by and between the Agency and , a California (the "Developer") on Lot No. of Tract (the "Lot") more fully described in Exhibit "A" attached hereto and incorporated herein by this reference, have been completed in accordance with the provisions of said Agreement. Section 2. This Certificate of Completion shall constitute a conclusive determination of satisfaction of the agreements and covenants contained in the Agreement with respect to the obligations of the Developer, and its successors and assigns, to construct and develop the improvements on the Lot, excluding any normal and customary tenant improvements and minor building "punch-list" items, and including any and all buildings and any and all parking, landscaping and related improvements necessary to support or which meet the requirements applicable to the building and its use and occupancy on the Lot, whether or not said improvements are on the Lot or on other property subject to the Agreement, all as described in the Agreement, and to otherwise comply with the Developer's obligations under the Agreement with respect to the Lot and the dates for the beginning and completion of construction of improvements thereon under the Agreement; provided, however, that the Agency may enforce any covenant surviving this Certificate of Completion in accordance with the terms and conditions of the Agreement and the grant deed pursuant to which the property containing the Lot was conveyed under the SBEO/0001/DOC/3477-5 8/18/99 1115 sk Exh . " F" - 1 CDC 1999-25 Agreement. Said Agreement is an official record of the Agency and a copy of said Agreement may be inspected in the office of the Secretary of the Redevelopment Agency of the City of San Bernardino located at 201 North "En Street, Suite 301, San Bernardino, California, during regular business hours. Section 3. Completion pertains is hereto. The Lot to which this Certificate of more fully described in Exhibit "A" attached DATED AND ISSUED this day of , 199 . Executive Director of the Redevelopment Agency of the City of San Bernardino SBEO/0001/DOC/3477-5 8/18/99 1115 sk Exh. "F" - 2 CDC 1999-25 EXHIBIT "G" COMMUNITY REDEVELOPMENT HOUSING AFFORDABILITY COVENANTS AND RESTRICTIONS SBEO/0001/DOC/3477-5 8/18/99 1115 sk Exh. "8" - 1 CDC 1999-25 RECORDING REQUESTED BY AND WHEN RECORDED MAIL TO: Redevelopment Agency of the City of San Bernardino 201 North "E" Street, Suite 301 San Bernardino, CA 92401 Attn: Executive Director (Space Above Line Reserved For Use By Recorder) RECORDATION OF THIS INSTRUMENT IS EXEMPT FROM ALL FEES AND TAXES REDEVELOPMENT AGENCY OF THE CITY OF SAN BERNARDINO COMMUNITY REDEVELOPMENT HOUSING AFFORDABILITY COVENANTS AND RESTRICTIONS Dated as of , 200 Arrow Vista Single Family Housing Improvement Project STATE COLLEGE REDEVELOPMENT PROJECT CDC 1999-25 REDEVELOPMENT AGENCY OF THE CITY OF SAN BERNARDINO COMMUNITY REDEVELOPMENT HOUSING AFFORDABILITY COVENANTS AND RESTRICTIONS (Arrow Vista Single Family Housing Improvement Project) THIS REDEVELOPMENT AGENCY OF THE CITY OF SAN BERNARDINO COMMUNITY REDEVELOPMENT HOUSING AFFORDABILITY COVENANTS AND RESTRICTIONS (the "Section 33334.3 Covenant") is made and entered into as of , 200 , by and among CENTURY-CROWELL, Communities, LP, A California limited partnership (the Developer"), the REDEVELOPMENT AGENCY OF THE CITY OF SAN BERNARDINO, a body corporate and politic (the "Agency"), and (the "Qualified relates to the Homebuyer"), and this Section 33334.3 Covenant following facts set forth in Recitals. R E C I TAL S A. The Qualified Homebuyer proposes to acquire a single family residence (the "New Home"), located within the City of San Bernardino (the "City"), from the Developer, to be owned and occupied by the Qualified Homebuyer as their principal residence. The legal description of the New Home is attached hereto as Exhibit "A" and incorporated herein by this reference. B. The Agency has used and applied certain affordable housing development funds from the Low-and Moderate-Income Housing Funds of several different redevelopment project areas, including the State College Redevelopment Project, to make the New Home available for acquisition by the Qualified Homebuyer from the Developer subj ect to the terms and conditions of the Community Redevelopment Law found at Health and Safety Code Section 33000, et seg. (the "Act") and this Section 33334.3 Covenant; and C. The Act mandates that the acquisition, use and occupancy of the New Home shall be restricted in certain respects for the term as provided herein (the "Qualified Residence Period") in order to ensure that the New Home will be used and occupied in accordance with the Act and the affordable single family residential dwelling unit development goals and objectives of the Agency. SBEO/0001/DOC/3509.2 6/9/99 1130 1mk 1 CDC 1999-25 NOW, THEREFORE, IN CONSIDERATION OF THE MUTUAL COVENANTS AND UNDERTAKINGS SET FORTH HEREIN, AND FOR OTHER GOOD AND VALUABLE CONSIDERATION, THE RECEIPT AND SUFFICIENCY OF WHICH IS HEREBY ACKNOWLEDGED, THE QUALIFIED HOMEBUYER, THE DEVELOPER AND THE AGENCY DO HEREBY COVENANT AND AGREE FOR THEMSELVES, THEIR SUCCESSORS AND ASSIGNS AS FOLLOWS: Section 1. Definitions of Certain Terms. As used in this Section 33334.3 Covenant, the following words and terms shall have the meaning as provided in the Recitals or in this Section 1 unless the specific context of usage of a particular word or term may otherwise require: Adjusted Family Income. The words "Adjusted Family Income" mean the anticipated total annual income (adjusted for family si ze) of each individual or family residing or treated as residing in the New Home as calculated in accordance with Treasury Regulation 1.167 (k) 3b) (3) under the Code, as adj usted, based upon family size in accordance with the household income adjustment factors adjusted and amended from time to time, pursuant to Section 8 of the United States Housing Act of 1937, as amended. Affordable Housing Cost. The words "Affordable Housing Cost" shall have the meaning as set forth in Health and Safety Code Section 50052.5. In the case of a Moderate Income Household, the Affordable Housing Cost at the time of the close of the New Home Escrow shall not be less than twenty eight percent (28%) of the gross income of the household, nor exceed the product of thirty-five percent (35%) times one hundred ten percent (110%) of area median income for the city adjusted for family size as appropriate for the New Home. In the event that either the Qualified Homebuyer at the time of the close of the New Home Escrow, or later that a proposed Successor-In- Interest may be a "very low income household" or a "lower income household", as these terms are defined in Health and Safety Code Section 50053.5(b), then in such event the amount of the maximum Affordable Housing Cost payable by any such Successor-In-Interest household in connection with the acquisition of the New Home at any time during the Qualified Residence Period shall be calculated as set forth in Health and Safety Code 50053.5(b) (1) or (2), as applicable. Code. The word "Code" means the Internal Revenue Code of 1986, as amended, and any regulation, rulings or procedures with respect thereto. SBEO/0001/DOC/3509.2 6/9/99 1130 1mk 2 CDC 1999-25 Delivery Date. The words "Deli very Date" mean the date of delivery of title and possession of the New Home from the Developer to the Qualified Homebuyer at the close of the New Home Escrow. Moderate-Income Household. The words "Moderate-Income Household" mean persons and families whose income does not exceed one hundred and twenty percent (120%) of the area median income of the City adjusted for family size by the State Department of Housing and Community Development in accordance with adjustment factors adopted and amended from time to time by the United States Department of Housing and Urban Development pursuant to Section 8 of the United States Housing Act of 1937, and Health and Safety Code Section 50093. New Home. The words "New Home" mean and refer to the completed affordable single-family residential dwelling unit (including the land and landscape improvements thereon) as constructed and installed by the Developer and sold to the Qualified Homebuyer. New Home Escrow. The words "New Home Escrow" mean and refer to the real estate conveyance transaction or escrow by and between the Developer and the Qualified Homebuyer (or later, by and between the Qualified Homebuyer and the Successor-In- Interest). The transfer of the New Home from the Developer to the Qualified Homebuyer (or later, by and between the Qualified Homebuyer and the Successor-In-Interest) shall be accomplished upon the close of the New Home Escrow. Notice of Agency Concurrence. The words "Notice of Agency Concurrence" mean and refer to the acknowledgment in recordable form in which the Agency confirms that the proposed Successor-In-Interest of the Qualified Homebuyer satisfies all of the Adjusted Family Income and other requirements of this Section 33334.3 Covenant for occupancy of the New Home by the Successor-In-Interest at any time during the Qualified Residence Period. Qualified Homebuyer. The words "Qualified Homebuyer" mean the purchaser of the New Home from the Developer (e. g. : all persons identified as having a property ownership interest vested in the New Home as of the close of the New Home Escrow). At the close of the New Home Escrow, the Qualified Homebuyer shall: (i) have an annual Adj usted Family Income which does not exceed the household income qualification SBEO/0001/DOC/3509.2 6/9/99 1130 1mk 3 CDC 1999-25 limits of a Moderate-Income Household: (ii) shall be a first- time homebuyer, as this term is defined in Health and Safety Code Section 50068.5; and (iii)pay no more than an Affordable Housing Cost for the New Home pursuant to the terms of the purchase transaction for the New Home, including all sums payable by the Qualified Homebuyer for its purchase money mortgage financing, insurance, escrow and other fees and costs. Qualified Residence Period. The words "Qualified Residence Period" mean the period of time beginning on the Delivery Date and ending on the date which is ten (10) years after the Delivery Date. Section 33334.3 Covenant. The words "Section 33334.3 Covenant" mean these Redevelopment Agency of the City of San Bernardino Community Redevelopment Housing Affordability Covenants and Restrictions by and among the Qualified Homebuyer, the Developer and the Agency pertaining to the New Home. Successor-In-Interest. The words "Successor-In-Interest" mean and refer to the person, family or household which may acquire the New Home from the Qualified Homebuyer at any time during the Qualified Residence Period by purchase, assignment, transfer or otherwise. The Successor-In-Interest shall be a "first-time homebuyer" and shall have an income level for the twelve (12) months prior to the date on which the Successor- In-Interest acquires the New Home which does not exceed the maximum Adjusted Family Income level for a Moderate-Income Household. Upon acquisition of the New Home the Successor- In-Interest shall be bound by each of the covenants, conditions and restrictions of this Section 33334.3 Covenant. The titles and headings of the sections of this Section 33334.3 Covenant have been inserted for convenience of reference only and are not to be considered a part hereof and shall not in any way modify or restrict the meaning any of the terms or provisions hereof. Section 2. Acknowledgments and Representations of the Qualified Homebuver. The Qualified Homebuyer hereby acknowledges and represents that, as of the Delivery Date: (a) the total household income for the Qualified Homebuyer does not exceed the maximum amount permitted as Adjusted Family Income for a Moderate-Income Household, adjusted for family size; SBEO/0001/DOC/3509.2 6/9/99 1130 1mk 4 CDC 1999-25 (b) the Qualified Homebuyer intends to promptly occupy the New Home after the Delivery Date as the principal place of residence for a term of at least two (2) years following the Delivery Date and the Qualified Homebuyer has not entered into any arrangement and has no present intention to rent, sell, transfer or assign the New Home to any third party during the Qualified Residence Period so as to frustrate the purpose of this Section 33334.3 Covenant; (c) the Qualified Homebuyer has no present intention to lease or rent any room or sublet or rent a portion of the New Home to any relative of the Qualified Homebuyer or to any third person at any time during the Qualified Residence Period; (d) the sum payable each month by the Qualified Homebuyer following the close of the New Home Escrow as principal and interest, property taxes and, property casualty insurance for the acquisition of the New Home does not exceed the Affordable Housing Cost for the household; (e) the Qualified Homebuyer agrees to provide the Agency with the following items of information for inspection by the Agency promptly upon written request of the Agency: (i) State and federal income tax returns filed by all persons who reside in the New Home for the calendar year preceding the close of the New Home Escrow for inspection of such State and federal income tax returns; (ii) current wage, income and salary statements for all person residing in the New Home at the close of the New Home Escrow; (f) The Qualified Homebuyer has been informed by the Developer that this Section 33334.3 Covenant imposes certain restrictions on the use and occupancy of the New Home during the term of this Section 33334.4 Covenant and that this Section 33334.3 Covenant imposes certain restrictions on the resale of the New Home during the Qualified Residence Period. The Qualified Homebuyer acknowledges and understands that these restrictions shall be applicable to the New Home and to any resale of the New Home from the Deli very Date to the end of the Qualified Residence Period which is , 201 Dated: Initials of Qualified Homebuyer SBEO/0001/DOC/3509.2 6/9/99 113 0 1mk 5 CDC 1999-25 Section 3. Covenant of the Oualified Homebuver to Maintain Affordabilitv of the New Home During the Oualified Residence Period and Covenant Relating to Sale or Transfer of the New Home During the Oualified Residence Period to a Successor-In-Interest. (a) The Qualified Homebuyer for itself, its heirs, successors and assigns, hereby covenants and agrees that during the term of the Qualified Residence Period the New Home shall be used and, occupied by the Qualified Homebuyer as its principal residence, and that the New Home shall be reserved for sale, use and occupancy by the Qualified Homebuyer and/or for another Moderate-Income Household as a Successor-In-Interest at an Affordable Housing Cost. The Qualified Homebuyer, for itself, its heirs, successors and assigns, further covenants and agrees that, during the Qualified Residence Period, the Agency shall have the right and duty as provided in this Section 3 to verify that each proposed Successor- In-Interest of the Qualified Homebuyer in the New Home satisfies the income requirements and Affordable Housing Cost limitations of a Moderate-Income Household (based upon the Adjusted Family Income of each household), and that the completion of any resale or transfer of the New Home to a Successor-In-Interest shall be subject to the recordation of the "Notice of Agency Concurrence" as provided in Section 3 (d) . (b) The Qualified Homebuyer, for itself, its successors and assigns, hereby covenants and agrees that during the term of the Qualified Residence Period the Qualified Homebuyer shall not sell, transfer or otherwise dispose of the New Home (or any interest therein) to a Successor-In-Interest without first giving written notice to the Agency and without first obtaining the written concurrence of the Agency as provided herein. At least sixty (60) days prior to the date on which the Qualified Homebuyer proposes to transfer title in the New Home to a Successor-In-Interest, the Qualified Homebuyer shall send a written notice to the Agency as provided in Section 17 of the intention of the Qualified Homebuyer to sell the New Home to a Successor-In-Interest which includes the following true and correct information: (i) name of the proposed Successor-In-Interest (including the identity of all persons in the household of the Successor-In-Interest, proposing to reside in the New Home); (ii) copies of State and federal income tax returns for the Successor-In-Interest for the calendar year preceding the year in which the notice of SBEO/0001/DOC/3509.2 6/9/99 1130 1mk 6 (iii) (iv) (v) (vi) CDC 1999-25 intention to sell the New Home is given to the Agency; resale price of the New Home payable by the Successor-In-Interest, including the terms of all purchase money mortgage financing to be assumed, provided or obtained by the Successor-In- Interest, escrow costs and charges, realtor broker fees and all other resale costs or charges payable by either the Qualified Homebuyer or the Successor-In-Interest; name address, and telephone number of the escrow company which shall coordinate the transfer of the New Home from the Qualified Homebuyer to the Successor-In-Interest; appropriate mortgage credit reference for the Successor-In-Interest with a written authorization signed by the Successor-In-Interest authorizing the Agency to contact each such reference; and such other relevant information as the Agency may reasonably request, as provided in Section 3(c). (c) Within twenty (20) days following receipt of the notice of intention described in Section 3(b), the Agency shall provide the Qualified Homebuyer with either a preliminary confirmation of approval or a preliminary rejection of approval in writing of the income and household occupancy qualifications of the Successor-In- Interest. The Agency shall not unreasonably withhold approval of any proposed sale of the New Home to a Successor-In-Interest who satisfies the Adjusted Family Income and the Affordable Housing Cost requirements for occupancy of the New Home and for whom the other information as described in Section 3(b) has been provided to the Agency. In the event that the Agency may request additional information relating to the confirmation of the matters described in Section 3(b), the Qualified Homebuyer shall provide such information to the Agency as promptly as feasible. (d) Upon its final confirmation of approval of the Adjusted Family Income and Affordable Housing Cost eligibility of the Successor-In-Interest to acquire the New Home, the Agency shall deliver a written acknowledgment and approval of the resale of the New Home to the Successor-In-Interest in recordable form to the escrow holder referenced in Section 3 (b) (iv) above, and thereafter SBEO/0001/DOC/3509.2 6/9/99 1130 Imk 7 CDC 1999-25 the Successor-In-Interest may acquire the New Home subject to the satisfaction of the following conditions: (i) the recordation of the Concurrence executed by the and the Agency at the close Notice of Agency Successor-In-Interest of the resale escrow; (ii) the escrow holder shall have provided the Agency with a copy of the customary form of the final escrow closing statement of the Qualified Homebuyer and the final escrow closing statement for the Successor-In-Interest; and (iii) the other conditions established by the Successor-In-Interest of the resale escrow as Qualified Homebuyer and shall have been satisfied. (e) The Qualified Homebuyer for itself, its successors and assigns hereby covenants and agrees that during the Qualified Residence Period the New Home shall not be leased, subleased, or rented to any third person, except for a temporary period (not to exceed 12 months) in the event of an emergency or other unforseen circumstance as may be expressly approved in writing by the Agency subject to compliance during the temporary rental period with the reasonable temporary rental occupancy conditions required by the Agency. The Qualified Homebuyer shall submit a written request to the Agency prior to the commencement of the temporary occupancy, as practicable, but in any event wi thin not more than (60) days following the commencement of a temporary rental occupancy of the New Home by a third party, which notice shall set forth the grounds on which the Qualified Homebuyer believes an emergency or other unforeseen circumstance has occurred and that a temporary rental occupancy in necessary. Section 4. Maintenance Condition of the New Home. The Qualified Homebuyer, for itself, its successors and assigns, hereby covenants and agrees that: (a) The exterior areas of the New Home which are subject to public view (e.g.: all improvements, paving, walkways, landscaping, and ornamentation) shall be maintained in good repair and a neat, clean and orderly condition, ordinary wear and tear excepted. In the event that at any time during the term of the Qualified Residence Period, there is an occurrence of an adverse condition on any area of the New Home which is subj ect to public view in contravention of the general maintenance standard described above, (a "Maintenance Deficiency") then the Agency shall notify the SBEO/0001/DOC/3509.2 6/9/99 1130 1mk 8 CDC 1999-25 Qualified Homebuyer in writing of the Maintenance Deficiency and give the Qualified Homebuyer thirty (30) days from the date of such notice to cure the Maintenance Deficiency as identified in the notice. The words "Maintenance DeficiencyH include without limitation the following inadequate or non-confirming property maintenance conditions and/or breaches of single family dwelling residential property use restrictions: failure to properly maintain the windows, structural elements, and painted exterior surface areas of the dwelling unit in a clean and presentable manner; failure to keep the front and side yard areas of the property free of accumulated debris, appliances, inoperable motor vehicles or motor vehicle parts, or free of storage of lumber, building materials or equipment not regularly in use on the property; failure to regularly mow lawn areas or permit grasses planted in lawn areas to exceed nine inches (gH) in height, or failure to otherwise maintain the landscaping in a reasonable condition free of wed and debris; parking of any commercial motor vehicle in excess of 7,000 pounds gross weight anywhere on the property, or the parking of motor vehicles, boats, camper shells, trailers, recreational vehicles and the like in any side yard or on any other parts of the property which are not covered by a paved and impermeable surface; the use of the garage area of the dwelling unit for purposes other than the parking of motor vehicles and the storage of personal possessions and mechanical equipment of persons residing in the New Home. In the event the Qualified Homebuyer fails to cure or commence to cure the Maintenance Deficiency within the time allowed, the Agency may thereafter conduct a public hearing following transmittal of written notice thereof to the Qualified Homebuyer ten (10) days prior to the scheduled date of such public hearing in order to verify whether a Maintenance Deficiency exists and whether the Qualified Homebuyer has failed to comply with the provision of this Section 4(a). If, upon the conclusion of a public hearing, the Agency makes a finding that a Maintenance Deficiency exists and that there appears to be non-compliance with the general maintenance standard, as described above, thereafter the Agency shall have the right to enter the New Home (exterior areas only) and perform all acts necessary to cure the Maintenance Deficiency, SBEO/0001/DOC/3509.2 6/9/99 1130 1mk 9 CDC 1999-25 or to take other action at law or equity the Agency may then have to accomplish the abatement of the Maintenance Deficiency. Any sum expended by the Agency for the abatement of a Maintenance Deficiency as authorized by this Section 4(a) shall become a lien on the New Home. If the amount of the lien is not paid wi thin thirty (30) days after written demand for payment by the Agency to the Qualified Homebuyer, the Agency shall have the right to enforce the lien in the manner as provided in Section 4(c). (b) Graffiti which is visible from any public right-of-way which is adjacent or contiguous to the New Home shall be removed by the Qualified Homebuyer from any exterior surface of a structure or improvement on the New Home by either painting over the evidence of such vandalism with a paint which has been color-matched to the surface on which the paint is applied, or graffiti may be removed with solvents, detergents or water as appropriate. In the event that graffiti is placed on the New Home (exterior areas only) and such graffiti is visible from an adj acent or contiguous public right-of-way and thereafter such graffiti is not removed within 72 hours following the time of its application; then in such event and without notice to the Qualified Homebuyer, the Agency shall have the right to enter the New Home and remove the graffiti. Notwithstanding any provision of Section 4(a) to the contrary, any sum expended by the Agency for the removal of graffiti from the New Home as authorized by this Section 4(b) shall become a lien on the New Home. If the amount of the lien is not paid within thirty (30) days after written demand for payment by the Agency to the Qualified Homebuyer, the Agency shall have the right to enforce its lien in the manner as provided in Section 4(c). (c) The parties hereto further mutually understand and agree that the rights conferred upon the Agency under this Section 4 expressly include the power to establish and enforce a lien or other encumbrance against the New Home in the manner provided under Civil Code Sections 2924, 2924b and 2924c in the amount as reasonably necessary to restore the New Home to the maintenance standard required under Section 4 (a) or Section 4 (b), including attorneys fees and costs of the Agency associated with the abatement of the Maintenance Deficiency or removal of graffiti and the collection of the costs of the Agency in connection with such action. In any legal proceeding for enforcing such a lien against the New Home, the prevailing path shall be entitled to recover its attorneys' fees and costs of suit. The provisions of this Section 4, shall be a covenant running with the land for the Qualified Residence Period and shall be enforceable by the Agency in its discretion, cumulative with any other rights or powers granted by the Agency under applicable law. Nothing in the foregoing provisions of this Section 4 shall be deemed to preclude the SBEO/0001/DOC/3509.2 6/9/99 1130 lmk 10 CDC 1999-25 Qualified Homebuyer from making any alterations, additions, or other changes to any structure or improvement or landscaping on the New Home, provided that such changes comply with the zoning and development regulations of the City and other applicable law. Section 5. [RESERVED/NO TEXT] Section 6. [RESERVED/NO TEXT] Section 7. Foreclosure of Purchase Money Mortgage Loan and Agency Riaht of First Refusal. (a) During the Qualified Residence Period the Agency shall have the right (but not the obligation) to bid on the purchase of any mortgage loan lien secured by the New Home at the time of any trustee foreclosure sale or any judicial foreclosure sale. (b) During the Qualified Residence Period the Agency shall have the right of first refusal to purchase the New Home from the Qualified Homebuyer on the same terms which the Qualified Homebuyer may propose to offer the New Home for resale to a Success-In- Interest. The Agency must exercise such a right of first refusal within thirty (30) days following written notification of the intention of the Qualified Homebuyer to resell the New Home, and if the Agency accepts the offer in writing within such time period the Agency shall be bound to complete the purchase of the New Home strictly in accordance with the offer. Thereafter the Agency shall pay the "resale price" to the Qualified Homebuyer and close an escrow for the transfer of the New Home to the Agency within sixty (60) days following written notification of the intention of the Qualified Homebuyer to resell the New House. Section 8. Covenants to Run With the Land. The Developer, the Agency and the Qualified Homebuyer hereby declare their specific intent that the covenants, reservations and restrictions set forth herein are part of a common plan for the development of affordable single family housing improvements in the State College Redevelopment proj ect and that each shall be deemed covenants running with the land and shall pass to and be binding upon the New Home and each Successor-In-Interest of the Qualified Homebuyer in the New Home for the term provided in Section 10. The Qualified Homebuyer hereby expressly assumes the duty and obligation to perform each of the covenants and to honor each of the reservations and restrictions set forth in this Section 33334.3 Covenant. Each SBEO/0001/DOC/3509.2 6/9/99 1130 1mk 11 CDC 1999-25 and every contract, deed or other instrument hereafter executed covering or conveying the New Home or any interest therein shall conclusively be held to have been executed, delivered and accepted subject to such covenants, reservations, and restrictions, regardless of whether such covenants, reservations and restrictions are set forth in such contract, deed or other instrument. Section 9. Burden and Benefit. The Developer, the Agency and the Qualified Homebuyer hereby declare their understanding and intent that the burden of the covenants set forth herein touch and concern the land in that the Qualified Homebuyer's legal interest in the New Home is affected by the affordable single family dwelling use and occupancy covenants hereunder. The Agency and the Qualified Homebuyer hereby further declare their understanding and intent that the benefit of such covenants touch and concern the land by enhancing and increasing the enjoyment and use of the New Home by the intended beneficiaries of such covenants, reservations and restrictions, and by furthering the public purposes for which moneys from the Low-and Moderate Income Housing Fund of the State College Redevelopment Project were used and applied by the Agency in order to make the New Home available for acquisition and occupancy by the Qualified Homebuyer. Section 10. Term. This Section 33334.3 Covenant shall apply to the New Home and the Qualified Homebuyer and to each Successor- In-Interest as of the Delivery Date for the Qualified Residence Period -- e.g.: this Section 33334.3 Covenant shall remain in full force and effect for ten (10) years after the Delivery Date. Any provision or section hereof, may be terminated after the Delivery Date upon agreement by the Agency and the Qualified Homebuyer (or the Successor-In-Interest in the New Home), if there shall have been provided to the Agency an opinion of special legal counsel that such a termination under the terms and conditions approved by the Agency in its reasonable discretion will not adversely affect the Agency or the investment of Low-and Moderate-Income Housing Funds of the Agency in the New Home. Section 11. Breach and Default and Enforcement. (a) Failure or delay by the Qualified Homebuyer to honor or perform any material term or provision of this Section 33334.3 Covenant shall constitute a breach under this Agreement; provided however, that if the Qualified Homebuyer commences to cure, correct or remedy the alleged breach within thirty (30) calendar days after the date of written notice specifying such breach and shall diligently complete such cure, correction or remedy, the Qualified Homebuyer shall not be deemed to be in default hereunder. SBEO/0001/DOC/3509.2 6/9/99 1130 1mk 12 CDC 1999-25 The Agency shall give the Qualified Homebuyer written notice of breach specifying the alleged breach which if uncured by the Qualified Homebuyer wi thin thirty (30) calendar days, shall be deemed to be an event of default. Delay in giving such notice shall not constitute a waiver of any breach or event of default nor shall it change the time of breach or event of default; provided, however, the Agency shall not exercise any remedy for an event of default hereunder without first delivering the written notice of breach as specified in this Section 11. Except with respect to rights and remedies expressly declared to be exclusive in this Section 33334.3 Covenant, the rights and remedies of the Agency are cumulative with any other right or power of the Agency or the City or other applicable law, and the exercise of one or more of such rights or remedies shall not preclude the exercise by the Agency at the same or different times, of any other right or remedy for the same breach or event of default. In the event that a breach of the Qualified Homebuyer may remain incurred for more than thirty (30) calendar days following written notice, as provided above, an event of default shall be deemed to have occurred. In addition to the remedial provisions of Section 4 as related to a Maintenance Deficiency at the New Home, upon the occurrence of any event of default the Agency shall be entitled to seek any appropriate remedy or damages by initiating legal proceedings as follows: (i) by mandamus or other suit, action or proceeding at law or in equity, to require the Qualified Homebuyer to perform its obligations and covenants hereunder, or enjoin any acts or things which may be unlawful or in violation of the rights of the Agency; or (ii) by other action or convenient covenants and Homebuyer to the at law or in to enforce agreements Agency. equity as necessary the obligations, of the Qualified (b) No third party shall have any right or power to enforce any provision of this Section 33334.3 Covenant on behalf of the Agency or to compel the Agency to enforce any provision of this Section 33334.3 Covenant against the Qualified Homebuyer on the New Home. Section 12. Governing Law. This Section 33334.3 Covenant shall be governed by the laws of the State of California. SBEO/0001/DOC/3509.2 6/9/99 1130 1mk 13 CDC 1999-25 Section 13. Amendment. This Section 33334.3 Covenant may be amended after the Delivery Date only by a written instrument executed by the Qualified Homebuyer (or the Successor-In-Interest, as applicable) and by the Agency. The Developer shall have not any right or power to approve any such amendment to this Section 33334.3 Covenant, and the execution by the Developer of any such amendment after the delivery date shall not be required. Section 14. Attorney's Fees. In the event that the Agency brings an action to enforce any condition or covenant, representation or warranty in this Section 33334.3 Covenant or otherwise arising out of this Section 33334.3 Covenant, the prevailing party in such action shall be entitled to recover from the other party reasonable attorneys' fees to be fixed by the court in which a judgment is entered, as well as the costs of such suit. Section 15. Severability. If any provision of this Section 33334.3 Covenant shall be declared invalid, inoperative or unenforceable by a final judgment or decree of a court of competent jurisdiction such invalidity or unenforceability of such provision shall not affect the remaining parts of this Section 33334.3 Covenant which are hereby declared by the parties to be severable from any other part which is found by a court to be invalid or unenforceable. Section 16. Time is of the Essence. this Section 33334.3 Covenant which states time within which the requirements thereof time shall be deemed to be of the essence. For each provision of a specific amount of are to be satisfied, Section 17. Notice. Any notice required to be given under this Section 33334.3 Covenant shall be given by the Agency or by the Qualified Homebuyer, as applicable, by personal delivery or by First Class United States mail at the addresses specified below or at such other address as may be specified in writing by the parties hereto: If to the Agency: Executive Director Redevelopment Agency of the City of San Bernardino 201 North "En Street, Suite 301 San Bernardino, CA 92401 Phone: (909) 384-5081 SBEO/0001/DOC/3509.2 6/9/99 1130 lmk 14 CDC 1999-25 If to the Qualified Homebuyer: Attn: Phone: Notice shall be deemed given five (5) calendar days after the date of mailing to the party, or, if personally delivered, when received by the Executive Director of the Agency or the Qualified Homebuyer, as applicable. SBEO/0001/DOC/3509.2 6/9/99 1130 1mk 15 CDC 1999-25 IN WITNESS WHEREOF, the Developer, the Qualified Homebuyer and the Agency have caused this Section 33334.3 Covenant to be signed, acknowledged and attested on their behalf by duly authorized representatives in counterpart original copies which shall upon execution by all of the parties be deemed to be one original document. The recordation of this Section 33334.3 Covenant is authorized under Health and Safety Code Section 33334.3(g) QUALIFIED HOMEBUYER By: Dated: By: DEVELOPER Century-Crowell Communities, LP a California limited partnership Dated: By: AGENCY Redevelopment Agency of the City of San Bernardino Dated: By: Chair of the Community Development Commission By: Executive Director [ALL SIGNATURES MUST BE NOTARIZED] Approved as to Form: By: Agency Special Counsel SBEO/0001/DOC/3509.2 6/9/99 1130 1mk 16 SBEO/0001/DOC/3509.2 6/9/99 1130 1mk CDC 1999-25 EXHIBIT "A" Legal Description of the New Home 17