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HomeMy WebLinkAboutCDC/2000-39 1 2 3 4 5 6 7 8 RESOLUTION NO. CDC/2000-39 A RESOLUTION OF THE COMMUNITY DEVELOPMENT COMMISSION OF THE CITY OF SAN BERNARDINO APPROVING AND AUTHORIZING THE EXECUTIVE DIRECTOR OF THE REDEVELOPMENT AGENCY TO EXECUTE AMENDMENT NO. 1 TO THE LOAN AGREEMENT BY AND AMONG THE REDEVELOPMENT AGENCY OF THE CITY OF SAN BERNARDINO, THE JORDAN AND HILDA GRINKER F AMIL Y TRUST AND SOUTHERN CALIFORNIA PRIVATE SCHOOLS AND CONSENTING TO ASSIGNMENT OF THE LOAN AGREEMENT TO HARRY WILLIAM PRUITT, SR. WHEREAS, the Community Development Commission of the City of San 9 Bernardino (the "Commission") is the governing body ofthe Redevelopment Agency of the City of 10 San Bernardino (the "Agency"), a public body corporate and politic, organized and existing pursuant 11 to the Community Redevelopment Law (California Health and Safety Code Section 33000, et seq.); 12 and 13 14 WHEREAS, the Agency and The Jordan and Hilda Grinker Family Trust" and 15 Southern California Private Schools, a California non-profit corporation (together, the "Borrower") 16 previously entered into that certain Loan Agreement dated as of July 1, 1999 (the "Loan 17 Agreement") pursuant to which the Agency is to make a loan in the amount of Fifty Thousand 18 Dollars ($50,000.00) (the "Loan") to the Borrower for Tenant Improvements (as that term is defined 19 in the Loan Agreement) to property located at 265 North "D" Street, San Bernardino, California (the 20 "Property"); and 21 22 WHEREAS, The Jordan and Hilda Grinker Family Trust was the owner of the 23 Property at the time the Loan Agreement was entered into but has subsequently sold the Property; 24 and 25 26 WHEREAS, the Property is now owned by Harry William Pruitt, Sr. (the "Property 27 Owner"); and 28 SBEO/000IIDOC/4190 10/11100 400 drh CDC/2000-39 1 WHEREAS, The Jordan and Hilda Grinker Family Trust desires to assign all of its 2 right, title and interest in and to the Loan Agreement to the Property Owner; and 3 4 WHEREAS, the Property Owner is willing to assume the duties, responsibilities and 5 obligations of The Jordan and Hilda Grinker Family Trust under the Loan Agreement, including but 6 not limited to applying the proceeds of the Loan solely to effecting the Tenant Improvements and 7 repaying the Loan in accordance with the terms set forth in Section 4 of the Loan Agreement and 8 in the Promissory Note dated July 1, 1999 evidencing the Loan (the "Promissory Note"), which 9 Promissory Note has been assumed by the Property Owner pursuant to that certain Assumption of 10 Debt dated September 26, 2000; and 11 12 WHEREAS, Section 9 of the Loan Agreement provides that the Borrower is not 13 entitled to, and shall not, assign its rights and obligations under the Loan Agreement; and 14 15 WHEREAS, in order for The Jordan and Hilda Grinker Family Trust to assign its 16 right, title and interest in and to the Loan Agreement to the Property Owner and to provide for the 17 assumption of the responsibilities, duties and obligations of The Jordan and Hilda Grinker Family 18 Trust by the Property Owner, the Agency and the Borrower desire to amend the Loan Agreement 19 to provide for the proposed assignment and enter into that certain Amendment No. 1 to the Loan 20 Agreement attached hereto and incorporated herein by this reference as Exhibit "A" ("Amendment 21 No.1"). 22 23 NOW, THEREFORE, THE COMMUNITY DEVELOPMENT COMMISSION 24 ACTING ON BEHALF OF THE REDEVELOPMENT AGENCY OF THE CITY OF SAN 25 BERNARDINO DOES HEREBY RESOLVE, DETERMINE AND ORDER AS FOLLOWS: 26 27 28 SBEO/0001/DOC/4190 10/11/00 400 drh CDC/2000-39 1 Section 1. The Commission hereby approves Amendment No.1 attached hereto 2 as Exhibit "A". 3 4 Section 2. The Executive Director of the Agency is hereby authorized to execute 5 Amendment No.1 on behalf of the Agency in substantially the form attached hereto, together with 6 such changes therein as may be approved by the Executive Director and Agency Special Counsel. 7 The Executive Director or such other designated representative ofthe Agency is further authorized 8 to do any and all things and take any and all actions as may be deemed necessary or advisable to 9 effectuate the purposes of Amendment No.1. 10 11 Section 3. The Executive Director ofthe Agency is hereby authorized to execute 12 a consentto an assignment of the Loan Agreement from The Jordan and Hilda Grinker Family Trust 13 to the Property Owner, in such form as may be approved by the Executive Director and Agency 14 Special Counsel. 15 I I I 16 III 17 III 18 III 19 III 20 III 21 III 22 III 23 III 24 25 26 27 28 SBEO/OOO I/DOC/4190 10/11/00 400 drh CDC/2000-39 1 A RESOLUTION OF THE COMMUNITY DEVELOPMENT COMMISSION OF THE CITY OF SAN BERNARDINO APPROVING AND AUTHORIZING THE EXECUTIVE 2 DIRECTOR OF THE REDEVELOPMENT AGENCY TO EXECUTE AMENDMENT NO.1 TO THE LOAN AGREEMENT BY AND AMONG THE REDEVELOPMENT AGENCY OF 3 THE CITY OF SAN BERNARDINO, THE JORDAN AND HILDA GRINKER FAMILY TRUST AND SOUTHERN CALIFORNIA PRIVATE SCHOOLS AND CONSENTING TO 4 ASSIGNMENT OF THE LOAN AGREEMENT TO HARRY WILLIAM PRUITT, SR. 5 Section 4. This Resolution shall become effective immediately upon its adoption. 6 7 8 I HEREBY CERTIFY that the foregoing Resolution was duly adopted by the Community Development Commission of the City of San Bernardino at a Joint Regular meeting thereof, 9 held on the 6th 10 11 Commission 12 ESTRADA LIEN 13 MCGINNIS SCHNETZ 14 SUAREZ ANDERSON 15 McCAMMACK 16 day of November , 2000, by the following vote, to wit: AYES X X X NAYS ABSTAIN ABSENT X November ,2000. X X X The foregoing Resolution is here appr SBEO/000J/DOC/4190 lOll 1/00 400 drh CDC/2000-39 1 STATE OF CALIFORNIA ) COUNTY OF SAN BERNARDINO) ss 2 CITY OF SAN BERNARDINO ) 3 I, Secretary of the Community Development Commission of the City of San Bernardino, DO HEREB Y CERTIFY that the foregoing and attached 4 copy of Community Development Commission of the City of San Bernardino Resolution No. is a full, true and correct copy of that now on file in this office. 5 IN WITNESS WHEREOF, I have hereunto set my hand and affixed the official seal 6 of the Community Development Commission of the City of San Bernardino this day of ,2000. 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 Secretary of the Community Development Commission of the City of San Bernardino SBEO/OOO 1/DOC/4190 10111/00 400 drh CDC/2000-39 EXHIBIT "A" AMENDMENT NO.1 TO LOAN AGREEMENT (THE JORDAN AND HILDA GRINKER F AMIL Y TRUST AND SOUTHERN CALIFORNIA PRIV ATE SCHOOLS) THIS AMENDMENT NO.1 is entered into this _ day of _,2000, by and between the Redevelopment Agency of the City of San Bernardino, a public body, corporate and politic (the "Agency") and The Jordan and Hilda Grinker Family Trust and Southern California Private Schools, a California nonprofit corporation ("Southern California Private Schools") (The Jordan and Hilda Grinker Family Trust and Southern California Private Schools being hereinafter from time to time referred to collectively as the "Borrower"). WHEREAS, the Agency and the Borrower previously entered into that certain Loan Agreement dated as of July 1, 1999 (the "Loan Agreement") pursuant to which the Agency is to make a loan in the amount of Fifty Thousand Dollars ($50,000.00) (the "Loan") to the Borrower for Tenant Improvements (as that term is defined in the Loan Agreement) to property located at 265 North "D" Street, San Bernardino, California (the "Property"); and WHEREAS, The Jordan and Hilda Grinker Family Trust owned the Property at the time the Loan Agreement was entered into but has subsequently sold the Property; and WHEREAS, the Property is now owned by Harry William Pruitt, Sr. (the "Property Owner"); and WHEREAS, The Jordan and Hilda Grinker Family Trust desires to assign all of its right, title and interest in and to the Loan Agreement to the Property Owner pursuant to an Assignment of Loan Agreement substantially in the form attached to this Amendment No.1 as Exhibit "A" (the "Assignment Agreement"); and WHEREAS, the Property Owner is willing to assume the duties, responsibilities and obligations of The Jordan and Hilda Grinker Family Trust under the Loan Agreement pursuant to the Assignment Agreement, including but not limited to applying the proceeds of the Loan solely to effecting the Tenant Improvements and repaying the Loan in accordance with the terms set forth in Section 4 of the Loan Agreement and in the Promissory Note dated July 1, 1999 evidencing the Loan (the "Promissory Note"), which Promissory Note has been assumed by the Property Owner pursuant to that certain Assumption of Debt dated September 26, 2000; and WHEREAS, the Property Owner is willing to secure Borrower's repayment of the Loan with a deed of trust on the Property and an assignment of the lease dated May 15,1999 by and between The Jordan and Hilda Grinker Family Trust as lessor and Southern California Private SBEO/OOOIIDOC/4191 10/11100 400 drh CDC/200Q-39 WHEREAS, Section 9 of the Loan Agreement provides that the Borrower is not entitled to, and shall not, assign the Borrower's rights and obligations under the Loan Agreement; and WHEREAS, the Agency and the Borrower desire to amend the Loan Agreement to allow The Jordan and Hilda Grinker Family Trust and the Property Owner to enter into the Assignment Agreement. NOW, THEREFORE, in consideration of the premises and such other good and valuable consideration receipt of which is hereby acknowledged, the parties hereto agree as follows: Section 1. Except as hereby amended, the Loan Agreement is in all respects ratified and confirmed and all of the terms, provisions and conditions thereof shall be and remain in full force and effect. Section 2. Except as otherwise provided herein, all terms not otherwise defined in this Amendment No.1 shall have the same meanings in this Amendment No.1 as those terms are given in the Loan Agreement. Section 3. Section 9 of the Loan Agreement is amended in its entirety to read as follows: "The Agency shall be entitled to assign its rights and obligations under this Agreement upon consent by the Borrower to such assignment, which consent shall not unreasonably be withheld. The Borrower shall not be entitled to, and shall not, assign its rights and obligations under this Agreement; provided, however, that The Jordan and Hilda Grinker Family Trust may assign its rights and obligations under this Agreement to a subsequent purchaser of the Property, upon consent by the Agency to such assignment, which consent shall not unreasonably be withheld." Section 4. This Amendment No. 1 may be executed in counterparts, each of which shall be an original, and all of which shall constitute but one and the same instrument. SBEO/000I/DOC/4191 10/11/00400 drh CDC/2000-39 IN WITNESS WHEREOF, the parties hereto have duly executed this Amendment No.1 as of the date first above written. REDEVELOPMENT AGENCY OF THE CITY OF SAN BERNARDINO By: ATTEST: Agency Secretary APPROVED AS TO FORM AND LEGAL CONTENT: Agency Special Counsel THE JORDAN AND HILDA GRINKER FAMILY TRUST By: Jordan Grinker, Trustee By: Hilda Grinker, Trustee SOUTHERN CALIFORNIA PRIVATE SCHOOLS, a California nonprofit corporation By: President By: Secretary SBEO/000I/DOC/4191 10/11/00 400 drh CDC/2000-39 ASSIGNMENT OF LOAN AGREEMENT THIS ASSIGNMENT OF LOAN AGREEMENT ("Agreement") dated as of October 1,2000, is entered into by and between The Jordan and Hilda Grinker Family Trust (the "Assignor") and Harry William Pruitt, Sr. ("Assignee"). WHEREAS, the Assignor and Southern California Private Schools, a California nonprofit corporation ("Southern California Private Schools") entered into that certain Loan Agreement dated as of July 1, 1999 (the "Loan Agreement') with the Redevelopment Agency of the City of San Bernardino (the "Agency"); and WHEREAS, pursuant to the Loan Agreement the Agency is to make a loan in the amount of Fifty Thousand Dollars ($50,000.00) (the "Loan") to the Assignor and Southern California Private Schools for Tenant Improvements (as that term is defined in the Loan Agreement) to that certain property located at 265 North "D" Street, San Bernardino, California and more specifically described in Exhibit "A" hereto attached hereto and by this reference incorporated herein (the "Property"); and WHEREAS, Assignor owned the Property at the time the Loan Agreement was entered into but has subsequently sold the Property; and WHEREAS, Assignee is now the owner of the Property; and WHEREAS, Assignor desires to assign all of its right, title and interest in and to the Loan Agreement to Assignee; and WHEREAS, Assignee is willing to assume the duties, responsibilities and obligations of Assignor under the Loan Agreement, including but not limited to applying the proceeds of the Loan solely to effecting the Tenant Improvements and repaying the Loan in accordance with the terms set forth in Section 4 of the Loan Agreement and in the Promissory Note dated July 1, 1999 evidencing the Loan (the "Promissory Note"), which Promissory Note has been assumed by the Assignee pursuant to that certain Assumption of Debt dated September 26, 200; and WHEREAS, Assignee is willing to secure its obligation to repay the Loan to the Agency by executing and delivering a deed of trust, security agreement, assignment of rents and fixture filing substantially in the form attached hereto as Exhibit "B" (the "Deed of Trust") and an assignment of leases and rents with respect to the existing lease of the Property to Southern California Private Schools, a California nonprofit corporation, substantially in the form attached hereto as Exhibit "c" (the "Assignment of Leases and Rents"). NOW, THEREFORE, in consideration ofthe premises and other good and valuable consideration, receipt of which is hereby acknowledged, the parties hereto agree as follows: SBEO/OOO 1 IDOC/4188 10/11/00 400 drh CDC/2000-39 Section 1. Assignor hereby assigns to Assignee all of Assignor's right, title and interest in and to the Loan Agreement. Section 2. Assignee hereby accepts the assignment of Assignor's right, title and interest in and to the Loan Agreement. Assignee hereby assumes, and accepts and agrees to perform and discharge, the duties, responsibilities and obligations imposed upon the Assignor under the Loan Agreement, including but not limited to applying the proceeds of the Loan solely to effecting the Tenant Improvements and repaying the Loan in accordance with the terms set forth in Section 4 of the Loan Agreement and in the Promissory Note. Section 3. Assignee hereby agrees that it shall execute and deliver the Deed of Trust and that it shall execute and deliver the Assignment of Leases and Rents. Section 4. This Agreement contains the entire understanding and agreement of the parties with respect to its subject matter and supersedes all prior and contemporaneous agreements and understandings. Section 5. This Agreement shall be governed by the laws of the State of California. Section 6. In the event that anyone or more of the sentences, clauses, paragraphs or sections contained herein is declared invalid, void or illegal, the same shall be deemed severable from the remainder of this Agreement and shall not affect, impair or invalidate any of the remaining phrases, sentences, clauses, paragraphs or sections contained herein. Section 7. This Agreement may be executed by the parties in counterparts, and when executed by each of the parties, each counterpart shall be deemed to be a part of the same instrument. SBEO/000I/DOC/4188 10/11/00400 drh CDCj2000-39 The parties hereto have caused this Agreement to be executed by their authorized representatives as set forth below. ASSIGNOR THE JORDAN AND HILDA GRINKER F AMIL Y TRUST By: Trustee ASSIGNEE Harry William Pruitt, Sr. ACKNOWLEDGED BY: Southern California Private Schools, a California nonprofit corporation By: President By: Secretary SBEO/OOO I /DOC/4188 10/11/00 400 drh ) ) ) ) ) ) ) ) ) ) San Bernardino, California 92401 ) Attn:Director,Business Recruitment,) Retention and Revitalization ) RECORDING REQUESTED BY: REDEVELOPMENT AGENCY OF THE CITY OF SAN BERNARDINO AND WHEN RECORDED MAIL TO: REDEVELOPMENT AGENCY OF THE CITY OF SAN BERNARDINO 201 North "E" Street, Suite 301 (Space Above for Recorder's Use) DEED OF TRUST. SECURITY AGREEMENT. ASSIGNMENT OF RENTS AND FIXTURE FILING This Deed of Trust, Security Agreement, Assignment of Rents and Fixture Filing is dated as of October 1, 2000, and is made by Harry William Pruitt, Sr., hereinafter called "Trustor," whose address is [TO COME], to Lawyers Title Company, hereinafter referred to as "Trustee", whose business address is 1845 Business Center Drive, Suite 200, San Bernardino, California 92408, in favor of REDEVELOPMENT AGENCY OF THE CITY OF SAN BERNARDINO, hereinafter referred to as "Beneficiary", whose business address is 201 North "E" Street, Suite 301, San Bernardino, California 92401. Trustor irrevocably grants, transfers, and assigns to Trustee in trust, with power of sale, 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, royal ties and profi ts relating to the real property, including and without limitation all minerals, oil, gas, geothermal and similar matters, located in the City of San Bernardino, County of San Bernardino, State of California and more particularly described in Exhibit "A" hereto, together with the rents, issues and profits thereof, subject however to the right reserved by Trustor in Paragraph B-17 hereof to collect and apply such rents, issues and profits, prior to any default hereunder; for the purpose of securing performance in a timely manner of all of Trustor's obligations under that certain Assignment of Loan Agreement dated as of October 1, 2000, by and among The Jordan and Hilda Grinker Family Trust, Southern California Private Schools, a California nonprofit corporation ("Southern California Private Schools") and Trustor, pursuant to which Trustor acquired all of the right, title and interest of, and SBEO/0001/DOC/4187 10/11/00 400 drh assumed all the obligations of, The Jordan and Hilda Grinker Family Trust under that certain Loan Agreement dated as of July 1, 1999, by and among The Jordan and Hilda Grinker Family Trust, Southern California Private Schools and the Beneficiary; payment of the indebtedness evidenced by a Promissory Note executed by The Jordan and Hilda Grinker Family Trust and by Southern California Private Schools, in the principal sum of Fifty Thousand Dollars ($50,000.00), payable to Beneficiary, and assumed by Trustor pursuant to that certain Assumption of Debt dated September 26, 2000; and all of Trustor's obligations under that certain Assignment of Leases and Rents dated as of October 1, 2000, each executed in connection with this Deed of Trust. A. To protect the security of this Deed of Trust, Trustor agrees: i. To maintain the property in good condition and repair; not to remove or demolish any building or improvement thereon; to complete promptly in workmanlike manner any improvement hereafter constructed thereon and to restore promptly in workmanlike manner any improvement thereon that is damaged or destroyed, and to pay when due all costs incurred therefor or in connection therewith; to comply with all laws, ordinances, regulations, covenants, conditions and restrictions affecting the property; not to commit or permit any waste thereof or any act upon the property in violation of law or of covenants, conditions or restrictions affecting the property. ii. To appear in and defend any action or proceeding purporting to affect the security hereof or the rights or powers of Beneficiary or Trustee; and also, if at any time Beneficiary or Trustee is a party to or appears in any such action or proceeding, or in any action or proceeding to enforce any obligation hereby secured, to pay all costs and expenses paid or incurred by them or either of them in connection therewith, including, but not limited to, cost of evidence of title and attorneys' fees in a reasonable sum. iii. To pay (a) at least ten (10) days before delinquency, all taxes and assessments affecting the property, all assessment upon water company stock, and all rents, assessments and charges for water appurtenant to or used in connection with the property; (b) when due, all encumbrances, charges SBEO/0001/DOC/4187 10/11/00 400 drh and liens, with interest, on the property or any part thereof, which appear to be prior or superior hereto; and (c) all costs, fees and expenses of this trust. iv. If Trustor fails to make any payment or to do any act as herein provided, then Beneficiary or Trustee (but without obligation to do so, and with or without notice to or demand upon Trustor, and without releasing Trustor from any obligation hereof) may (a) make or do the same in such manner and to such extent as either deems necessary to protect the security hereof, Beneficiary or Trustee being authorized to enter upon the property for such purpose; (b) appear in or commence any action or proceeding purporting to affect the security hereof or the rights or powers of Beneficiary or Trustee; (c) pay, purchase, contest, or compromise any encumbrance, charge or lien that, in the judgment of either, appears to be superior hereto; and in exercising any such power, Beneficiary or Trustee may incur necessary expenses, including reasonable attorneys' fees. v. To pay immediately and without demand all sums expended hereunder by Beneficiary or Trustee, with interest from date of expenditure at the annual rate of two percentage points over Bank of America's published prime rate. B. It is mutually agreed that: 1. Any award of damages made in connection with the condemnation for public use of or injury to the property or any part thereof is hereby assigned and shall be paid to Beneficiary, who may apply or release such moneys received therefor upon any indebtedness secured hereby in such order as Beneficiary determines, or at the option of Beneficiary the entire amount so recei ved or any part thereof may be released to Trustor. Such application or release shall not cure or waive any default or notice of default hereunder or invalidate any act done pursuant to such notice. 2. The acceptance by Beneficiary of any payment less than the amount then due shall be deemed an acceptance on account only and shall not constitute a waiver of the obligation of Trustor to pay the entire sum then due or of Beneficiary's right either to SBEO/0001/DOC/4187 10/11/00 400 drh require prompt payment of all sums then due or to declare default. The acceptance of payment of any sum secured hereby after its due date will not waive the right of Beneficiary either to require prompt payment when due of all other sums so secured or to declare default for failure so to pay. No waiver of any default shall be a waiver of any preceding or succeeding default of any kind. 3. At any time or from time to time, without liability therefor and with or without notice, upon written request of Beneficiary and presentation of this deed and the secured note for endorsement, and without effecting the personal liability of any person for payment of the indebtedness secured hereby or the effect of this deed upon the remainder of the property, Trustee may reconvey any part of the property, consent to the making of any map or plat thereof, join in granting any easement or join in any extension agreement or any agreement subordinating the lien or charge thereof. 4. Upon written request of Beneficiary stating that all sums secured hereby have been paid, surrender of this deed and the note to Trustee for cancellation and retention, and payment of its fees, Trustee shall reconvey, without warranty the property then held hereunder. The recitals in such reconveyance shall be conclusive proof of the truthfulness thereof. The grantee may be designated in such reconveyance as "the person or persons legally entitled thereto." 5. Trustor may give such notice to Beneficiary at any time before there is a Trustee's sale of the property. At any time Trustor is in default in payments to be made to Beneficiary hereunder, any amounts paid to and received by Beneficiary for execution of releases pursuant to the terms of this paragraph after notice of default and election to sell has been recorded shall not, unless the requirements of Section 2924c of the Civil Code are fully met by or on behalf of Trustor, waive the right of Beneficiary to continue its plans to have the property sold, nor shall they have any effect on the exercise by Beneficiary of the acceleration privilege contained herein, except to entitle the person effecting such payment to the release of the property for which the release amount was paid, and insofar as Beneficiary is concerned, to constitute a credit against the secured debt. 6. If Trustor or any subsequent owner of the property covered hereby shall occupy the property, or any part thereof, after any default in payment of any amount secured by this Deed of Trust, Trustor or such owner shall pay to Beneficiary in advance on the first day of each month a reasonable rental for the premises so occupied. On failure to pay such reasonable rental, Trustor or SBEO/0001/DOC/4187 10/11/00 400 drh such owner dispossession proceeding. may be removed from the premises by summary proceedings or by any other appropriate action or 7. If default is made in payment of any indebtedness or in performance of any agreement hereby secured, then Beneficiary, with or without notice to Trustor, may declare all sums secured hereby immediately due and payable by instituting suit for the recovery thereof or for the foreclosure of this deed, or by delivering to Trustee a written declaration of default and demand for sale, as well as a written notice of default and of election to cause the property to be sold, which notice Trustee shall cause to be filed for record. If such declaration is delivered to Trustee, Beneficiary shall also deposit with Trustee this deed, the secured note, and all documents evidencing expenditures secured hereby. 8. Should Trustor, without the consent in writing of Beneficiary, voluntarily sell, transfer or convey his interest in the property or any part thereof, or if by operation of law, it be sold, transferred or conveyed, then Beneficiary may, at its option, declare all sums secured hereby immediately due and payable. Consent to one such transaction shall not be deemed to be a waiver of the right to require such consent to future or successive transactions. 9. After the time then required by law has elapsed after recordation of such notice of default, and notice of sale having been given as then required by law, Trustee, with or without demand on Trustor, shall sell the property at the time and place fixed in the notice of sale, either as a whole or in separate parcels and in such order as Trustee determines, at public auction, to the highest bidder, for cash in lawful money of the United States, payable at the time of sale. Trustee may postpone from time to time sale of all or any portion of the property by public announcement at the time and place of sale originally fixed or at the last preceding postponed time. Trustee shall deliver to the purchaser its deed conveying the property 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. Trustor, Trustee, Beneficiary or any other person may purchase at the sale. 10. After deducting all costs, fees and expenses of Trustee and of this trust, including cost of evidence of title and reasonable attorneys' fees in connection with sale, Trustee shall apply the proceeds of sale to payment of (a) all sums expended under the terms hereof and not theretofore repaid, with accrued interest at two percentage points over Bank of America's published SBEO/0001/DOC/4187 10/11/00 400 drh prime rate per annum, and (b) all other sums then secured hereby in such order as Beneficiary, in the exercise of its sole discretion, directs. The remainder, if any, shall be paid to the person or persons legally entitled thereto. 11. Before Trustee's sale, Beneficiary may rescind such notices of default and of election to cause the property to be sold by delivering to Trustee a written notice of rescission, which notice, when recorded, shall cancel any prior declaration of default, demand for sale and acceleration of maturity. The exercise of such a right of rescission shall not constitute a waiver of any default then existing or subsequently occurring, or impair the right of Beneficiary to deliver to Trustee other declarations of default and demands for sale or notices of default and of election to cause the property to be sold, or otherwise affect any provision of the secured note or of this deed or any of the rights, obligations or remedies of Beneficiary or Trustee hereunder. 12. The restrictions pertaining to the property will automatically terminate if title to the mortgaged property is transferred by foreclosure or deed-in-lieu of foreclosure, or if the mortgage is assigned to the Secretary of the Department of Housing and Urban Development. 13. Beneficiary may, from time to time as provided by statute, or by a writing signed and acknowledged by him and recorded in the office of the county recorder of the county in which the land or such party thereof as is then affected by this Deed of Trust is situated, appoint another trustee in stead and of Trustee herein named; and thereupon, the Trustee herein named shall be discharged, and the trustee so appointed shall be substituted as Trustee hereunder with the same effect as if originally named Trustee herein. 14. If two or more persons are designated as Trustee herein, any or all powers granted herein to Trustee may be exercised by any of such persons if the other person or persons is unable, for any reason, to act. Any recital of such inability in any instrument executed by any of such persons shall be conclusive against Trustor, his heirs and assigns. 15. All leases now or hereafter affecting the property are hereby assigned and transferred to Beneficiary by Trustor. Trustor hereby covenants that none of such leases will be modified or terminated without the written consent of Beneficiary. SBEO/0001/DOC/4187 10/11/00 400 drh 16. When requested to do so, Trustor shall give such further written assignments of rents, royalties, issues and profits; of all security for the performance of leases; and of all money payable under any option to purchase, and shall give executed originals of all leases, now or hereafter on or affecting the property. 17. Trustor reserves the right, prior to any default in payment of any indebtedness or performance of any obligation secured hereby, to collect all such rents, royalties, issues and profits, as but not before they become due. Upon any such default, Trustor's right to collect such moneys shall cease, not only as to amounts accruing thereafter, but also as to amounts then accrued and unpaid. In the event of default, Beneficiary, with or without notice and without regard to the adequacy of security for the indebtedness hereby secured, either in person or by agent, or by a receiver to be appointed by the court, (a) may enter upon and take possession of the property at any time and manage and control it in Beneficiary's discretion, and (b) with or without taking possession, may sue for or otherwise collect the rents, issues and profits thereof, whether past due or coming due thereafter, and apply the same, less costs and expenses of operation and collection, including reasonable attorneys' fees, upon any obligation secured hereby and in such order as Beneficiary determines. None of the aforesaid acts shall cure or waive any defaul t hereunder or invalidate any act done pursuant to such notice. Beneficiary shall not be required to act diligently in the care or management of the property or in collecting any rents, royalties or other profits that it is hereby authorized to collect, and shall be accountable only for sums actually received. 18. This instrument shall constitute a security agreement to the extent any of the property constitutes fixtures, and Beneficiary shall have all of the rights of a secured party under the Uniform Commercial Code as amended from time to time. The mailing addresses of Trustor (debtor) and Beneficiary (secured party), from which information concerning the security interest granted by this Deed of Trust may be obtained (each as required by the Uniform Commercial Code), are as stated on the first page of this Deed of Trust. 19. Without affecting the liability of Trustor or of any other party now or hereafter bound by the terms hereof, from time to time and with or without notice, may release any person now or hereafter liable for performance of such obligation, and may extend the time for payment or performance, accept additional security, and alter, substitute or release any security. SBEO/0001/DOC/4187 10/11/00 400 drh 20. In any judicial action brought to foreclose this deed or to enforce any right of Beneficiary or of Trustee hereunder, Trustor shall pay to Beneficiary and to Trustee attorneys' fees in a reasonable sum, to be fixed by the court. 21. exclusi ve of future law. No remedy hereby given to Beneficiary or Trustee is any other remedy hereunder or under any present or defense waived, 22. to any to the The pleading of any statute of limitations as a and all obligations secured by this deed is hereby full extent permissible by law. 23. In the event of default in the payment of any indebtedness secured hereby, and if such indebtedness is secured at any time by any other instrument, Beneficiary shall not be obligated to resort to any security in any particular order; and the exercise by Beneficiary of any right or remedy with respect to any security shall not be a waiver of or limitation on the right of Beneficiary to exercise, at any time or from time to time thereafter, any right or remedy with respect to this deed. 24. Beneficiary may collect a "late charge" not to exceed an amount equal to five percent (5%) on the amount past due and remaining unpaid on any installment that is not paid within five (5) days from the due date thereof, to cover the extra expense involved in handling delinquent payments. 25. This deed applies to, inures to the benefit of and binds all parties hereto, their heirs, legatees, devisees, administrators, executors, successors, successors in interest, and assigns. The term "Beneficiary" means the owner and holder, including pledgees, of the note secured hereby, whether or not named as Beneficiary herein. In this deed, whenever the context so requires, the masculine gender includes the feminine and neuter, and the singular number includes the plural, and all obligations of each Trustor hereunder are joint and several. 26. Trustee accepts this trust when this deed, duly executed and acknowledged, is made a public record as provided by law. Trustee is not obligated to notify any party hereto of pending sale under any other deed of trust or of any action or proceeding in which Trustor, Beneficiary or Trustee is a party unless brought by Trustee. SBEO/0001/DOC/4187 10/11/00 400 drh Trustor requests that a copy of notice of default and of any notice of sale hereunder shall be mailed to Trustor at the address set forth immediately below. Harry William Pruitt, Sr. [ADDRESS TO COME] Executed at San Bernardino, California, on the date first above written. TRUSTOR Harry William Pruitt, Sr. [SIGNATURE MUST BE NOTARIZED] SBEO/0001/DOC/4187 10/11/00 400 drh EXHIBIT A LEGAL DESCRIPTION PARCEL 1: Parcel 2 of Parcel Map 9996 as per Map recorded in Book 122, Page 52 and 53 of Parcel Maps records of San Bernardino County, CA. PARCEL 2: Non-Esclusive Easements for Ingress, Egress, Parking and Drainage, over and across Parcell of parcel Map 9996 as per Parcel Map recorded in Book 12, Pages 52 and 53 of Parcel Maps records of San Bernardino County, CA. SBEO/0001/DOC/4187 10/11/00 400 drh 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 Attention:Director, Business Recruiting, Retention and Revitalization ASSIGNMENT OF LEASES AND RENTS This Assignment of Leases and Rents ("Assignment") is dated as of October 1, 2000 and is made by Harry William Pruitt, Sr., (the "Assignor"), whose address is [TO COME] in favor of REDEVELOPMENT AGENCY OF THE CITY OF SAN BERNARDINO ("Agency"), whose business address is 201 North "E" Street, Suite 301, San Bernardino, California 92401. WHEREAS, Agency has agreed to make a loan in an original principal amount not to exceed Fifty Thousand Dollars ($50,000.00) (the "Loan") to Assignor and to Southern California Private Schools, a California nonprofit corporation, the lessee (the "Lessee") under that certain lease dated May 15, 1999 (the "Private Schools Lease") pursuant to which Assignor, as landlord, has leased to Lessee the premises located at 265 North "0" Street, San Bernardino, California and more particularly described in Exhibit "A" hereto (the "Property"), for the purpose of effecting tenant improvements with respect to the Property to make it suitable for the operation of a day care center. The Loan is being made pursuant to that certain Loan Agreement dated as of July 1, 1999, by and among The Jordan and Hilda Grinker Family Trust, Southern California Private Schools, a California nonprofit corporation ("Southern California Private Schools") and the Agency (the "Loan Agreement") and that certain Assignment of Loan Agreement dated as of October 1, 2000 (the "Assignment of Loan Agreement") by and among Assignor, Southern California Private Schools and the Agency, pursuant to which Assignor acquired all of the right, title and interest of, and assumed all the obligations of, The Jordan and Hilda Grinker Family Trust under the Loan Agreement. The Loan is evidenced by a Promissory Note dated July 1, 1999, in the original SBEO/0001/DOC/4187 10/11/00 400 drh principal amount of the Loan, which Promissory Note was assumed by Assignor pursuant to that certain Assumption of Debt dated September 26, 2000 (the "Note"), which Note is secured by (i) this Assignment and (ii) a Deed of Trust With Assignment of Rents (the "Deed of Trust") dated concurrently herewith and encumbering the Property together with all improvements now or hereafter constructed thereon. WHEREAS, execution and delivery of this Assignment to Agency is a condition of Agency making the Loan. NOW, THEREFORE, for good and valuable consideration, receipt of which is hereby acknowledged, Assignor hereby agrees as follows: absolutely Agency: 1. Assignment. and irrevocably For value conveys, received, transfers Assignor hereby and assigns to (a) All of Assignor's right, title and interest in any and all existing or future leases, including the Private Schools Lease, subleases, licenses, concessions or other agreements which demise or grant a possessory interest in or the right to use all or a portion of the Property (collectively, the "Leases"), together with all extensions, replacements and renewals of the Leases and all guarantees of and security for the obligation of any and all tenants (collectively, and including the Lessee, the "Tenants") under the Leases. (b) All of Assignor's right, title and interest to collect and receive all of the rents, income, and profits now due or which may become due or to which Assignor may now or hereafter become entitled or which Assignor may make demand or claim for, arising or issuing from or out of the Leases or from or out of the Property or any part thereof, including but not limited to minimum rents, additional rents, percentage rents, parking or common area maintenance contributions, tax and insurance contributions, deficiency rents and liquidated damages following default in any Lease, and all proceeds payable under any policy of insurance covering loss of rents resulting from untenantability caused by destruction or damage to the Property, together with any and all rights and claims of any kind which Assignor may have against any Tenant under the Leases or any subtenants or occupants of the Property (all such monies, rights and claims described in this paragraph hereinafter referred to as "Rents"). SBEO/0001/DOC/4187 10/11/00 400 drh The foregoing assignment, transfer and conveyance is intended to be and constitutes a present and absolute assignment, transfer and conveyance by Assignor to Agency. 2. Obligations Secured. This Assignment is given for the purpose of securing: (a) Payment of all sums, with interest thereon, becoming due and payable to Agency under the provisions hereof or under the provisions of the Note, the Loan Agreement, the Assignment of Loan Agreement or the Deed of Trust (and renewals, modifications, changes or extensions thereof); and (b) Payment of additional sums and interest thereon which may hereafter be loaned by Agency to Assignor, when evidenced by a promissory note or notes reciting that same are secured by this Assignment and the Deed of Trust; and Assignor's to Agency Agreement, Trust. (c) Performance and observance of each of obligations, covenants, conditions and warranties contained herein, in the Note, in the Loan the Assignment of Loan Agreement and in the Deed of 3. Covenants of Assignor. To protect the security of this Assignment, Assignor covenants and agrees: (a) To perform each of its obligations under the Leases; at its sole cost and expense, to use commercially reasonable efforts to enforce or secure the performance by Tenants of each obligation under the Leases; and not to waive or release any Tenant of or from its obligations. Assignor assigns to Agency all Assignor's right and power to modify in any material respect the terms of the Leases subj ect to Assignor's rights hereinafter set forth. Any attempt on the part of Assignor to exercise any such right without the written consent of Agency, shall be a breach of the terms hereof. (b) To defend at Assignor's sole cost any action in any manner connected with the Leases or the obligations thereunder, and to pay all costs of Agency, including attorney's fees in a reasonable sum, in any such action in which Agency may appear. (c) provided, the without notice If Assignor fails to do any act as herein Agency, but without obligation so to do and to Assignor, and without releasing Assignor SBEO/0001/DOC/4187 10/11/00 400 drh from any obligation hereof, may take action in such manner and to such extent as Agency may deem necessary to protect the security described herein. These actions include specifically, without limiting Agency's general powers, the defense of any action purporting to affect the security described herein or the rights or powers of Agency, and also the performance of each obligation of Assignor set forth in the Leases. In exercising such powers, Agency may employ attorneys and other agents, and pay necessary costs and reasonable attorneys' fees. Assignor agrees to give prompt notice to Agency of any default of any Tenant and of any notice of default on the part of the Assignor with respect to the Leases received from a Tenant, together with an accurate and complete copy thereof. (d) To pay immediately to Agency upon demand all sums expended by Agency under the authority hereof, including reasonable attorneys' fees and costs, together with interest thereon at the then applicable interest rate payable on the Note and such sums shall be added to Assignor's indebtedness and shall be secured hereby and by the Deed of Trust. 4. Assianor's Warranties. Assignor represents and warrants to Agency that: (a) Assignor has not executed any other or prior assignment of the Leases or the Rents accruing thereunder which shall be in effect on or after the funding of the Loan (b) Assignor has not performed any act or executed any instrument which might prevent Agency from operating under any of the terms and condi tions of the Leases, or which would limit Agency in such operation, or accepted Rent for any period subsequent to the current one (1) month period for which Rent has already become due and payable; (c) no default by any of the Tenants or Assignor now exists under the Leases except as set forth in writing to Agency; (d) Assignor has not executed or granted any modification whatever of the Leases, and the Leases are in full force and effect according to the terms and conditions thereof; (d) Assignor has good right, title and interest in and to the Leases and Rents hereby assigned and the right to assign the same, and that no other person or entity has any right, title or interest therein; and (f) Assignor has duly and timely performed all of the terms, covenants, conditions and warranties set forth in the Leases which are to be kept, observed and performed by Assignor. 5. agreed that: Agreement of Assignor and Agency. It is mutually (a) So long as there is no (i) uncured default by Assignor in the payment of any principal or interest due under the SBEO/0001/DOC/4187 10/11/00 400 drh Note; (ii) uncured default in the performance or observance of any of the terms of the Note, the Loan Agreement, the Assignment of Loan Agreement, the Deed of Trust or any other security instruments executed in connection with the Note, the Loan Agreement, the Assignment of Loan Agreement, this Assignment and the Deed of Trust; or (iii) uncured default in the performance of any obligation, covenant or agreement herein or in the Leases, Assignor shall have a license to collect upon, but not prior to accrual, all rents, issues and profits coming due pursuant to the Leases and to hold the same as a trust fund (without any obligation for an accounting or segregation of such trust fund by Assignor) to be applied prior to default as follows: First, to the payment of taxes and assessments upon the Property before any penalty or interest is due thereon; Second, to the cost of insurance, maintenance, repairs and any other payments as required by the terms of the Loan Agreement, Deed of Trust or this Assignment; Third, to satisfaction of all obligations under the Leases; Fourth, to the payment of interest, principal, and any other sums becoming due under the Note, the Deed of Trust and this Assignment; and Fifth, for Assignor's remaining purposes. (b) As used in the Section 5, "uncured default" means any event of default by Assignor and failure to cure after notice and within any applicable cure period under the Note, the Loan Agreement, the Assignment of Loan Agreement, the Deed of Trust, this Assignment, the Leases or any other security document executed in connection with the Note or the Loan Agreement. (c) Upon the occurrence and continuance of any default, as described in Paragraph 5(a) hereinabove, the license of Assignor to collect the Rents shall automatically terminate without notice to or demand on Assignor and Agency may (i) declare all sums secured hereby immediately due and payable; (ii) at its option, wi thout notice either in person or by agent, with or without bringing any action, or by a receiver to be appointed by a court, and in addition to all other remedies available to Assignee under this Assignment, the Loan Agreement, the Assignment of Loan Agreement or the Deed of Trust and any applicable law (including, without limitation Section 2938 of the California Civil code) or in equity, enter, take possession of, manage and operate the Property SBEO/0001/DOC/4187 10/11/00 400 drh or any part thereof; (iii) make, cancel, enforce or modify the Leases; (iv) obtain and evict any Tenants, and fix or modify Rents; (v) do any acts which Agency deems proper to protect the security hereof; and (vi) either with or without taking possession of the Property, in its own name sue for or otherwise collect and receive all Rents or payments due under the Leases, including those past due and unpaid, and apply the same, less costs and expenses of operation and collection, including reasonable attorney's fees, upon any indebtedness secured hereby, and in such order as Agency may determine. Notwithstanding Section 2938 (e) (3) of the California Civil Code, the entering and taking possession of the Property, the collection of such Rents and payments, and the application thereof as aforesaid, shall not cure or waive any default or waive, modify, or affect notice of default under the Loan Agreement, the Assignment of Loan Agreement, the Deed of Trust or this Assignment, or invalidate any act done pursuant to such notice. Further, from and after the automatic termination of Assignor's license to collect Rents, and notwithstanding anything to the contrary contained herein or in Section 2938 (c) of the California Civil Code: (i) all Rents then in Assignor's possession, together with all Rents collected or distributed in violation hereof, and all Rents collected or distributed after the default or Event of Default (or attributable to the period after the default or Event of Default), shall be deemed held solely in trust for the benefit of Agency, (ii) Assignor shall immediately deliver or cause to be delivered to Agency all such Rents; all Rents then due under the Leases and thereafter accruing shall upon Agency's written request, be payable by lessees directly to Agency; and (iii) this Assignment shall constitute a direction to and full authori ty to the Tenants to pay all Rents to the Agency, upon Agency's written request, and without proof of the default or Event of Default relied upon. The Tenants are hereby irrevocably authorized to rely upon and comply with any notice or demand by Agency for the payment to Agency of any rental or other sums which may be or thereafter become due under the Leases, or for the performance of any Tenants' undertakings under the Leases and shall have no right or duty to inquire as to whether any default or Event of Default under the Deed of Trust or the Note has actually occurred or is then existing. If, pursuant to Section 2938(g) of the California Civil Code, Assignor or any other assignee of the Rents makes written demand upon Agency to pay the reasonable costs of protecting and preserving the Property (a "2938(g) Demand"), for payment of items such as taxes and insurance and compliance with building codes, if any, as specified in such section (collectively, "Preservation Costs"), then such Preservation Costs shall be deemed to consist only of the following and only to the extent of Rents actually SBEO/0001/DOC/4187 10/11/00 400 drh received by Agency: (i) delinquent real property taxes with respect to the Property only to the extent that such amounts subject the Property to an imminent tax sale pursuant to applicable law; (ii) property damage insurance, and liability insurance in such amounts, with such insurers and pursuant to such terms as Agency shall have previously approved for Assignor prior to the default or Event of Default; provided, however, that Agency shall not be required to purchase any rental interruption insurance or earthquake insurance, and (iii) the reasonable cost of compliance with building codes only to the extent the applicable governmental building authority makes a written demand to Agency to comply therewith. Notwithstanding anything to the contrary contained herein, Agency may (pursuant to such 2938(g) Demand or otherwise), but shall not be obligated to, payout of such Rents actually received any other reasonable costs which Agency believes, in its sole discretion, is necessary for the protection and preservation of the Property (it being the intent of Assignor and Agency that nothing contained herein shall be deemed to impair, define or limit Agency's rights or remedies pursuant to the Deed of Trust, including, but not limited to, the right of Agency to protect and preserve the security for the Deed of Trust in the Event of Default thereunder) . (d) Any default by Assignor in the performance of any obligation herein contained and acceleration of the indebtedness secured hereby shall constitute a default under the terms of the Deed of Trust entitling Agency to all of its rights and remedies thereunder, including specifically the right to declare a default thereunder and to elect to sell the property secured by the Deed of Trust, or, subject and subordinate to the rights of superior trust deed holders, foreclose the Deed of Trust as provided by law. (e) Agency shall not be obligated to perform nor does it hereby undertake to perform any obligation under the Leases or this Assignment, and Assignor does hereby indemnify against and hold Agency harmless from any liability, loss or damage under the Leases or this Assignment and all claims which may be asserted against it by persons other than Assignor by reason of any alleged obligation to perform any of the terms in the Leases; should Agency incur any such liability, loss or damage under the Leases or this Assignment, or in the defense of any such claims, the amount thereof, including costs and actual attorney's fees, shall be secured hereby and by the Deed of Trust, and Assignor shall reimburse Agency therefor immediately upon demand, and upon failure of Assignor so to do Agency may declare all sums secured hereby immediately due and payable. (f) Until all indebtedness secured hereby has been paid in full, any subsequent Leases shall be deemed to be assigned to SBEO/0001/DOC/4187 10/11/00 400 drh Agency hereby, upon the terms and conditions herein contained, and Assignor agrees to execute all instruments necessary therefor. (g) Upon the payment in full of all indebtedness secured hereby, as evidenced by the reconveyance of the Deed of Trust, this Assignment shall automatically terminate and shall be of no effect. In such an event, Agency agrees to execute any document reasonably necessary to release its interest hereunder, all at no cost to Agency. The affidavit of any officer of Agency showing any part of said indebtedness to remain unpaid shall be conclusive evidence of the validity, effectiveness and continuing force of this Assignment, and any person may and is hereby authorized to rely thereon. (h) This Assignment inures to the benefit of, and binds, all parties hereto, their heirs, administrators, executors, successors and assigns. In this Assignment, whenever the context so requires, the masculine gender includes feminine and neuter, and the singular number includes plural, and conversely. All obligations of each Assignor hereunder are joint and several. (i) Notices shall be presented in person or by certified or registered United States mail, return receipt requested, postage prepaid, or by overnight delivery made by a nationally recognized delivery service to the address noted below. Notice presented by United States mail shall be deemed effective the second business day after deposit with the United States Postal Service. This subsection shall not prevent giving notice by personal service or telephonically verified fax transmission, which shall be deemed effective upon actual receipt of such personal service or telephonic verification. Either party may change their address for receipt of written notice by so notifying the other party in writing. Agency: REDEVELOPMENT AGENCY OF THE CITY OF SAN BERNARDINO 201 North "EN Street Third Floor San Bernardino, California 92410 Attention: Director, Business Recruitment, Retention and Revitalization Telecopier No.: (909) 888-9413 Assignor: Harry William Pruitt, Sr. [TO COME] SBEO/0001/DOC/4187 10/11/00 400 drh Attention: Richard Schindler, Member (j) Agency may take or release other security, may release any party primarily or secondarily liable for any indebtedness secured hereby, may grant extensions, renewals or indulgences with respect to such indebtedness, and may apply any other security held by it to the satisfaction of such indebtedness without prejudice to any of its rights hereunder. It is further agreed that nothing herein contained and no act done or omitted by Agency pursuant to the powers and rights granted to Agency herein shall be deemed to be a waiver by Agency of the rights and remedies possessed by Agency under the terms hereof. The right of Agency to collect said indebtedness and to enforce any other security therefor owned by Agency may be exercised either prior to, simultaneously with, or subsequent to any action taken by Agency hereunder. (k) Assignor further covenants and agrees that it shall not, without the prior written consent of Agency: (1) Receive or collect any Rents (excluding securi ty deposits, which security deposits shall not exceed two (2) months rent) from any present or future Tenant of the Property or any part thereof for a period of more than one (1) month in advance (whether in cash or by promissory note), pledge, transfer, mortgage, grant and security interest in, or otherwise further encumber or assign future payments of Rents. (2) Waive, forgive, excuse, condone, discount, set off, compromise, or in any manner release or discharge any Tenant under any Lease of and from any obligations, covenants, conditions and agreements by such Tenant to be kept, observed and performed, including the obligation to pay the Rents thereunder in the manner and at the place and time specified therein. (3) Cancel, terminate or consent to any surrender of any Lease, nor commence any action or any summary proceedings for dispossession of a Tenant under any Lease, nor exercise any right of repossession of the Property provided in any Lease. (4) Materially modify, alter, amend or otherwise change any Lease. SBEO/0001/DOC/4187 10/11/00 400 drh Assignor shall submit to Agency for Agency's prior approval of the final written form of any material amendment or modification to an existing lease by certified mail or overnight delivery. Agency shall specify the grounds for any disapproval made by Agency and shall also specify such terms and conditions under which the Agency would approve such proposed amendment or modification. Assignor shall not enter into a new lease or consent to an assignment or sublease of any existing lease which permits any use of the Property which is prohibited by the Loan Agreement. Within five (5) days after executing a new lease or an amendment or modification to an existing lease, Assignor shall deliver an executed copy thereof to Agency certifying that such copy is a true, correct and complete copy of such new lease or amendment or modification. (1) This Assignment constitutes an irrevocable direction and authorization to all Tenants to pay all rents and other amounts to Agency upon demand from Agency without the necessity of any further consent or other action by Assignor. (m) Assignor hereby agrees to indemnify and hold Agency harmless from any and all liability, loss, damage or expense (including actual attorneys' fees and costs) which Agency may incur under or by reason of: (i) any reasonable action taken by Agency to protect its security hereunder or (ii) defense of any and all claims and demands whatsoever which may be asserted against Agency arising out of the Leases, including but not limited to, any claims by any Tenants of credit for rental for any period under any Lease more than one (1) month in advance of the due date thereof and security deposits paid to and received by Assignor, but not delivered to Agency. Should Agency incur any such liability, loss, damage or expense, the amount thereof, including reasonable attorney's fees, with interest thereon at the then applicable interest rate on the Note, shall be payable by Assignor immediately upon demand, and shall be secured hereby and by the Deed of Trust. (n) Agency's failure to avail itself of any of the rights and remedies set forth in this Assignment for any period of time or at any time shall not be construed or deemed to be a waiver of any such right or remedy, and nothing herein contained nor anything done or omitted to be done by Agency pursuant hereto shall be deemed a waiver by Agency of any of its rights and remedies under the Note, the Loan Agreement, the Assignment of Loan Agreement and the Deed of Trust or of the benefit of the laws of the State in which the Property is situated. The rights of Agency SBEO/0001/DOC/4187 10/11/00 400 drh . to collect the said indebtedness, to enforce any other security therefor, or to enforce any other right or remedy hereunder may be exercised by Agency, either prior to, simultaneously with, or subsequent to, any such other action hereinbefore described, and shall not be deemed an election of remedies. (0) No action taken by Agency in enforcing its rights under this Assignment shall result in the imposition of personal liabili ty on any of the members, directors, shareholders and officers, as applicable, of Assignor, or an Assignor itself or its constituent members. (p) If any provision of this Assignment or the application therefor to any entity, person or circumstance shall be invalid or unenforceable to any extent, then the remainder of this Assignment and the application of such provisions to other entities, persons or circumstances shall not be affected thereby and shall be enforced to the greatest extent permitted by law. (q) No variations, modifications hereof shall be binding unless set forth executed by Assignor and the Agency. or changes herein or in a document duly (r) This Assignment shall be governed by and construed in accordance with California law. 6. Reconveyance. The reconveyance of the Deed of Trust by Agency shall operate as a release of Assignor's obligations hereunder. Executed at San Bernardino, California, on the date first above written. ASSIGNOR Harry William Pruitt, Sr. [SIGNATURE MUST BE NOTARIZED] SBEO/0001/DOC/4187 10/11/00 400 drh . EXHIBIT A LEGAL DESCRIPTION PARCEL 1: Parcel 2 of Parcel Map 9996 as per Map recorded in Book 122, Page 52 and 53 of Parcel Maps records of San Bernardino County, CA. PARCEL 2: Non-Esclusive Easements for Ingress, Egress, Parking and Drainage, over and across Parcell of parcel Map 9996 as per Parcel Map recorded in Book 12, Pages 52 and 53 of Parcel Maps records of San Bernardino County, CA. SBEO/0001/DOC/4187 10/11/00 400 drh