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HomeMy WebLinkAboutR36-Economic Development Agency ECONOMIC DEVELOPMENT AGENCY OF THE CITY OF SAN BERNARDINO ORIGINAL FROM: Maggie Pacheco Executive Director SUBJECT: Public Heariug - HUD Sectiou 108 Loau Guarantee Contract and related documents - North Ardeu Guthrie Commercial Redevelopmeut Project (IVDA Redevelopment Project Area) DATE: July 6, 2006 ____________________________________________________u________________________________u______________ SvnoDsis of Previous Commission/Council/Committee Action(s): On July 5, 2006, Redevelopment Committee Members Estrada, McGinnis and Johnson unanimously voted to recommend that the Mayor and Common Council and the Community Development Commission consider this action for approval. -------------------------------------- ----------------_..-----------------------------------------------------------------------------------------------------------------------------------....-------------------.. Recommended Motion(s): Open/Close Public Hearing (Mavor and Common Council) A: Resolution of the Mayor and Common Council of the City of San Bernardino approving and authorizing the Mayor to execute the contract and related documents for the Loan Guarantee Assistance under Section 108 of the Housing and Community Development Act of 1974, as amended, 42 USC Section 5308 (CDBG Section 108 Contract No. B-03-MC-06-0539) - North Arden Guthrie Commercial Development Project (IVDA Redevelopment Project Area) B: Resolution of the Mayor and Common Council of the City of San Bernardino approving and authorizing the Mayor to execute the 2006 Redevelopment Cooperation Loan Agreement by and between the City of San Bernardino and the Redevelopment Agency of the City of San Bernardino ("Agency") - North Arden Guthrie Commercial Development Project (IVDA Redevelopment Project Area) (Communitv Develooment Commission) C: Resolution of the Community Development Commission of the City of San Bernardino approving and authorizing the Executive Director of the Redevelopment Agency of the City of San Bernardino ("Agency") to execute the 2006 Redevelopment Cooperation Loan Agreement by and between the Agency and the City of San Bernardino - North Arden Guthrie Commercial Development Project (IVDA Redevelopment Project Area) ---------------------_.------------------------------------------------------------------------------------------------------------------------------------------------------.------------------------------ Ward(s): (909) 663-1044 All Contact Person(s): Proj ect Area( s): Maggie Pacheco IVDA Redevelopment Project Area Phone: Supporting Data Attached: o Staff Report 0 Resolution(s) 0 Agreement(s)/Contract(s) 0 Map(s) 0 Letters FUNDING REQUIREMENTS: Amount: $ 7.5 Million Source: Section 108 Loan (CDBG) 2006/2007 EDA Budget SIGNATURE: Budget Authority: ~/~/ indseth, Admin. Services \fector --co-;;;;;;i~~io~/Co-;.-~~;iNo-i~s-:m---l<f.~f):S-:----dW(J~-}"rr-mmJ:j)7j{~-:;:i/j----v:TJY'-,:;i:illc:;-:::-:.:nm--.m------mm I - J ______________._________________________....________________.._h_____________________________..__________________________.________________________________..__________________________hU._____________ P:\AgendasIComm Dev Commission\CDC 2006\07-24-06 Arden Guthrie Section 1081,oan SR_doc COMMISSION MEETING AGENDA Meeting Date: 07/24/2006 Agenda Item Number: fl;l, e e e ECONOMIC DEVELOPMENT AGENCY STAFF REPORT ----_.------------------~--------------------------------------------------------------------------------- HUD SECTION 108 LOAN GUARANTEE CONTRACT AND RELATED DOCUMENTS - NORTH ARDEN GUTHRIE COMMERCIAL REDEVELOPMENT PROJECT (IVDA REDEVELOPMENT PROJECT AREA) BACKGROUND: On March 20, 2003, the Redevelopment Committee discussed the idea of pledging annual CDBG funds for the annual debt service payments on a proposed $10 million Section 108 Loan from the U.S. Department of Housing and Urban Development (HUD) that would be essentially used to acquire necessary properties to facilitate certain redevelopment projects and subsequently forwarded an approval recommendation to the Council. On April 21, 2003, the Mayor and Common Council ("Council") adopted a Resolution authorizing the preparation and submittal of the proposed $10 million Section 108 Loan Application to HUD and agreed to hold a workshop to discuss, clarify and prioritize the use ofthe 108 funds. On May 13, 2003, the Council held a workshop and discussed the gamut of uses for the Section 108 Loan proceeds and further identified the areas in which the proposed Section 108 Loan funds would be used and directed Staff to submit a final application to the Council. At this workshop, there was a consensus amongst the members that if the Agency was successful in obtaining the loan that it would be utilized in one or more of the eight (8) council selected target neighborhoods: A) Old Towne; B) Meadowbrook; C) Seccombe Lake; D) North Lake; E) Arden-Guthrie Soccer Complex; F) Uptown; G) Westside; and H) 40th Street Project Area. On June 2, 2003, the Council ratified and approved a proposed Section 108 Loan Application entitled the "Focused Neighborhood Revitalization Program" and authorized and approved Staff to submit the final application to HUD. Since June 2003, Staff held numerous discussions with HUD representatives regarding the Agency's application. As a follow-up to these discussions, in February 2004, Staff received two letters from HUD expressing the issues that concerned them and proposed solutions to their concerns. Specifically, HUD's letter dated February 18, 2004, wherein, they opined that in order for the Washington Office to recommend approval of the Agency's/City's Section 108 Loan Application, certain changes to the application needed to occur; in particular, HUD discouraged a "shotgun approach" and highly recommended that the Agency: (1) Narrow its focus of the Section 108 Loan Application to two or preferably one Target Area, and (2) Identify the Project (s) in sufficient detail. Most importantly, HUD requested specificity such as how will the funds be used, what type of project will be accomplished, i.e., housing, retail, commercial, etc., how many jobs will be created, what blighted conditions will be eradicated, etc., and what is the end result of said use of Section 108 Loan funds. HUD practice has been for cities to use their Section 108 Loan Application funds for specific and tangible projects such as when the Agency used the Section 108 Loan program for the Cinema Star and to assist with remediation improvements to the 303 3'd Street Project. This way HUD is able to quantify the impacts of the project and measure the results in comparison to the national objectives under the HUD guidelines. -------------------------------------------- P:\Agendas\Conun Dev CommiSllion\COC 2006\01.24-06 Arden Gulbrie Section 108 Loan SR.doc COMMISSION MEETING AGENDA Meeting Date: 07/24/2006 Agenda Item Number: ~ ftJ e e e Economic Development Agency Staff Report Arden Guthrie - HUD Section 108 Loan Guarantee Page 2 On September 15, 2003, the Council and Community Development Commission approved a Redevelopment Cooperation Agreement ("2003 Agreement") by and among the Inland Valley Development Agency (IVDA), the Agency and the City in order to allow the Agency to initiate studies for the redevelopment of the Arden Guthrie Area and to transfer or delegate redevelopment authority to the Agency. Essentially, this 2003 Agreement allowed the Agency to exercise all redevelopment powers legally available to IVDA per the Redevelopment Plan to the Agency, including, but not limited to, acquiring property by eminent domain directly or on behalf of the IVDA. This 2003 Agreement also transferred any net tax increment generated from a proposed project in the Arden Guthrie Area to the Agency for any debt incurred after July I, 2003 and continuing thereafter until July 1,2040. Consequently, on March 20, 2004, Staff discussed this subject with the Redevelopment Committee and after considering all of the previously approved 2003 Target Areas, and examining other projects in the pipeline, the Committee recommended forwarding a recommendation to the Council that a revised Section 108 Loan Application be resubmitted to HUD for two specific projects that were in the conceptual or planning stages. These projects included the redevelopment of the North Arden Guthrie Area and the Mercado Santa Fe (El Tigre - Sub area B/Uptown Redevelopment Project Area). On April 19, 2004, the Council approved and authorized the submittal of a revised Section 108 Loan Application to facilitate the two projects. The $10 million would be used to fund the two projects on a 50/50 basis. Finally, on January 2005, HUD advised the City/Agency that they had approved a $7.5 million Section 108 Loan for the Arden Guthrie Project and on March 29, 2005, former Mayor Judith Valles executed the Funding Approval/Agreement by and between the City and HUD. Again, HUD insisted that the City and Agency focus on one project and given the fact that the loan proceeds were insufficient to accomplish both projects, the priority loan emphasis was placed on the need to complete the land assembly in Arden Guthrie due to the number of years the Agency has spent in acquiring properties and the high level of investment. It should be further noted that in the event the project on 2nd Street between "K" Street and Mount Vernon Avenue (formerly known as the Mercado Santa Fe Project) proceeds, sufficient funds have been budgeted in the 2006/2007 EDA Budget to deal with this project. CURRENT ISSUE: On May 16, 2006, the Agency received the final loan documents and contracts related to the Section 108 Loan. HUD approved the $7.5 million loan proceeds to the City to support the Arden Guthrie Project and the loan proceeds may be used for land purchase costs, demolition and relocation expenses. The Agency will be the Subrecipient to the Section 108 Loan from the City. Unlike prior HUD 108 Loans to the City, or for that matter most cities, this loan to the City from HUD is unique in that HUD has actually permitted the use of a Section 108 Loan for land assembly without identification of a specific project or development entity up front. P:\Agendas\Comm Dev ColTWT1ission\COC 2006\07.24-06 Arden Guthrie Section log Loan SR.OOc COMMISSION MEETING AGENDA Meeting Date: 07124/2006 Agenda Item Number: R., (, e e e Economic Development Agency Staff Report Arden Guthrie - HUD Section 108 Loan Guarantee Page 3 The Arden Guthrie Project Site ("Site") is illustrated on Exhibit "A". The Site consists of approximately 17 acres of which the Agency owns more than 50% of the vacant parcels within the Site and the remainder of the parcels are owned by other parties (approximately 48 owned by the Agency and 25 parcels are privately owned and occupied by tenants). The proceeds of the Section 108 Loan are intended to be used by the City/Agency to primarily acquire the remaining 25 parcels ("Private Properties") which if all of these Private Properties are acquired could cost approximately $13 million. The additional estimated relocation and demolition costs are approximately $2 million, for an estimated total Project Cost of$15 million. Funds for this project are intended to come from: (1) $7.5 million Section 108 Loan; (2) $2 million from the Agency Low/Mod Housing Fund (to be exclusively for relocation costs for the tenants to be relocated); (3) land sale proceeds of not less than $4.3 million which will be derived from the sale of the Site by the Agency; and (4) any shortfalls (approximately $1.4 million) will be covered by discretionary funds of the Agency or CDBG funds. Per the HUD 108 Contract, the Section 108 Loan is proposed to be structured as follows: . HUD will loan the $7.5 million to the City and the City will in turn loan the $7.5 million to the Agency ("Conduit Loan") under a Cooperation Agreement ("2006 Redevelopment Cooperation Loan Agreement"). The Agency will use the loaned funds to the purpose outlined above; the collateral for the Conduit Loan will initially be the Agency Owned Property and the Private Properties to be acquired by the Agency ("Agency Deed of Trust"), together with other sources described below. . The Conduit Loan shall be endorsed by a VariablelFixed Rate Note per annum and during the first 5 years following the date of the execution of the 108 Promissory Note, interest only is payable by the City to HUD of approximately $432,000 per year; After the 5th year, when the loan principal repayment begins, the principal and interest payments will increase to approximately $750,000 per year. The variable rate per annum is based on 90-day LlBOR, plus 20 basis points, and then after the full line of credit ($7.5 million) has been drawn on or by July 1, 2008, the rate of interest shall be subject to conversion to a fixed rate per annum. As of June 28, 2006, the 90-day LlBOR interest rate is 5.49875%. The primary source ofrepayment for the Conduit Loan is the annual CDBG funds appropriated to the City by HUD annually, and the additional collateral value of the Agency lands comprising the Site. The Conduit Loan term is 20 years. Based on prior actions of the Council, the Council has agreed to use the City's annual CDBG in the amount not to exceed $500,000 per year for the Conduit Loan. . The back-up repayment for the Conduit Loan will be Annual Sales Tax from the eventual Arden Guthrie retail/commercial project ("Proposed Project") and the Annual Property Tax Increment from lVDA to the Agency specifically generated from the Proposed Project. For example, during the 2 years after the Proposed Project is completed, 80% of the retail sales taxes produced by the Proposed Project will be transferred from the City to the Agency; from year 3 to 20, the City will then transfer 50% of the retail sales taxes to the Agency. However, Staff is optimistic that by the time a development agreement is executed for the Arden Guthrie Site, land values will increase, and that a portion of the unbudgeted land sales proceeds will be used to pay down the Conduit Loan. ~--------------------------------------------------- e Economic Development Agency Staff Report Arden Guthrie - HUD Section 108 Loan Guarantee Page 4 . Another important ingredient of the Conduit Loan is that once the Agency identifies a developer for the development of the Proposed Project pursuant to a disposition and development agreement ("DDA"), the Agency will require that the development entity ("Developer"), maintain a minimum assessed property tax value of $17 million, require the Developer to provide a completion surety ("Surety Bond") and a minimum operating covenant, and potentially a profit participation fee. The Surety Bond will be used as supplemental collateral for the repayment of the Conduit Loan and will eventually replace the Agency Deed of Trust. It should be noted, that presently, Staff is having preliminary discussions with Home Depot who desire to construct approximately 102,000 square feet of a home improvement center, together with other ancillary uses for up to 150,000 square feet (estimated value $25 million). It is anticipated that a preliminary agreement, which will take these Conduit Loan conditions into consideration, between the Agency and Home Depot will be forthcoming to the Redevelopment Committee within the next 30-45 days. ENVIRONMENT AL IMPACT: All NEPA reviews have been completed for the release of the $7.5 million for acquisition of the remaining properties in North Arden Guthrie. FISCAL IMPACT: e As noted above in this Staff Report. RECOMMENDATION: e That the Mayor and Common Council and the Community Development Commission adopt the attached Resolutions. !Y) ?~,- - Maggie Pacheco, Executive Director ------------------------------------------------- P:\Agendas\Comm Dcv CollllTlission\CDC 2006\07.24-06 Arden Guthrie Section 108 Loan SR.doc COMMISSION MEETING AGENDA Meeting Date: 07/24/2006 Agenda Item Number: R:!llP e e e $7.5M HUn Section 108 Loan (Arden-Guthrie Project) Annual City CDBG ",HUD ../~jf , , , , , , , , , , , , , , , , , , , , , , , , " City "" ",;4 , , , , , , , , , , , , , , , , , , " , , ' , , , , , , , , , , " , , ' , , , , , , Agency D/T on all Arden-Guthrie : , properties - released when land is : sold to Developer : , , , , , , , , , , , , I) Annual Agency Site Sales Tax Payments 2) Agency Tax Increment Revenues NDA - 2003 Co-op Agreement" pledge ofNDA site tax increment revenues , ' ':~'Agenc Developer: 1) repayments aiJd collateral, 2) project completion surety, 3) profit participation fee, if applicable P:\Agendas\Agc:nda AttachmentS\Exhibits\2006\07-24-06 HUD 108 Loan OUllinc.doc $7.SM loan proceeds $7,SM loan proceeds $7.SM loan proceeds Agency Land acquisition in Arden-Guthrie area e2 _13 _14 e25 RESOLUTION NO. 3 RESOLUTION OF THE MAYOR AND COMMON COUNCIL OF THE CITY OF SAN BERNARDINO APPROVING AND AUTHORIZING THE MAYOR TO EXECUTE THE CONTRACT AND RELATED DOCUMENTS FOR THE LOAN GUARANTEE ASSISTANCE UNDER SECTION 108 OF THE HOUSING AND COMMUNITY DEVELOPMENT ACT OF 1974, AS AMENDED, 42 USC SECTION 5308 (CDBG SECTION 108 CONTRACT NO. B-03-MC-06-0539) - NORTH ARDEN GUTHRIE COMMERCIAL DEVELOPMENT 'PROJECT (IVDA REDEVELOPMENT PROJECT AREA) 4 5 6 7 WHEREAS, for the past several years the City of San Bernardino (the "City") and th 8 Redevelopment Agency of the City of San Bernardino (the "Agency") have been engaged i 9 10 efforts to address blighting conditions in a portion of the City known as the Arden-Guthri 11 neighborhood; and 12 WHEREAS, the Arden-Guthrie neighborhood has been afflicted with a number 0 physical and economic conditions of blight over the years, as these terms are defined in Heal and Safety Code Section 33032, including without limitation, conditions of substandar 15 structures and dwellings, residential overcrowding, substandard property maintenanc 16 conditions, inadequate design of improvements, abandonment of property, depreciating an 17 stagnant property values, and criminal activity which has occurred at rates substantially highe 18 than crime rates in other neighborhoods of the City; and 19 WHEREAS, the Agency, in cooperation with the City, has previously embarked on 20 program to acquire properties in the Arden-Guthrie neighborhood and to relocate the persons an 21 households occupying such property into safe, sanitary and decent housing at other suitabl 22 23 locations; and 24 WHEREAS, as of June 30, 2006, the Agency has incurred a redevelopment indebtednes in excess of $1 0,000,000 in connection with its previous efforts to address conditions of blight i 4829-3957-2993.1 -1- P:\A;;elld~""tiolU\ReHIIlIioAJ\2006\07-l4-06 ArdtA Gatbrie SectioD.loa Lo_.. MCC ReIo A.doc _2 _13 _14 25 _ the Arden-Guthrie neighborhood and to prevent the spread of blight from the Arden-Guthri neighborhood into nearby neighborhoods and communities; and 3 WHEREAS, the City believes it is necessary and appropriate for the Agency to acquir 4 additional lands in the Arden-Guthrie neighborhood in order to foster a commercially viable an 5 economically sustainable plan of redevelopment and reuse of the Arden-Guthrie neighborhoo 6 and to prevent the spread of blight in the Arden-Guthrie neighborhood into other surroundin 7 neighborhoods and communities; and 8 9 WHEREAS, the Arden-Guthrie neighborhood is situated within the redevelopmen 10 project area of the Inland Valley Development Project (the "Project Area") which is a specia 11 redevelopment project area administered by the Inland Valley Development Agency (th 12 "IVDA"); and WHEREAS, the IVDA has been established pursuant to a joint exercise of powe agreement in January 1990, as a former military base civilian reuse local redevelopmen 15 authority as recognized by the United States Secretary of the Air Force, for the purpose 0 16 assisting in the conversion, redevelopment and civilian reuse of the former Norton Air Fore 17 Base located within the City of San Bernardino; and 18 WHEREAS, the IVDA has been granted specific powers by the State Legislature in 198 (Stats. 1989 c.545 and See Now Stats 1997, c.580 and Health and Safety Code Section 33492.40 19 20 et seq.) to assist in the redevelopment of the former Norton Air Force Base and the lands i 21 proximity thereto pursuant to the Community Redevelopment Law (Health and Safety Cod Section 33000, et seq.); and 22 23 WHEREAS, the IVDA has adopted the Redevelopment Plan for the Inland Vaile 24 Redevelopment Project Area (the "Redevelopment Plan") in accordance with the provisions 0 the CRL, and the Redevelopment Plan provides for certain redevelopment activities to b undertaken within the Project Area as more fully described in the Redevelopment Plan; and 4829-3957-2993.1 -2- P:\Aleadal\1letllbtUa...IJleMIuIM.,u006\0'7-14-tti ArdeII Gtadlrie Sectie. 1111 Lu.a MCC a- A.doc e: a13 .14 e25 3 WHEREAS, the IVDA, the City and the Agency have entered into an agreement entitle "2003 Redevelopment Cooperation Agreement", dated as of October 8, 2003 (the "IVD Redevelopment Cooperation Agreement") to assist the City and the Agency to accomplish th 4 redevelopment ofthe Arden-Guthrie neighborhood. 5 WHEREAS, at the request of the Agency, the City has made arrangements with th United States Secretary of the Department of Housing and Urban Development ("HUD"), t 6 7 provide the City with a "Section 108 Loan Guarantee" under the provisions of the Housing an 8 Community Development Act of 1974, as amended (42 USC Section 5308) and HUD Sectio 9 108 Loan Program regulations set forth at 24 CFR Part 570.700 (the "2006 HUD Section 10 Loan") in an amount of Seven Million Five Hundred Thousand Dollars ($7,500,000), and in 10 11 the City proposes to loan to the Agency the proceeds of the 2006 HUD Section 108 Loan to th Agency in support of the Project; and 12 WHEREAS, HUD has confirmed it is prepared to provide a Section 108 Loan to the Cit in the maximum principal sum of Seven Million Five Hundred Thousand Dollars ($7,500,000 15 under HUD Section 108 Loan Program Guarantee No. B-03-MC-06-0539 (the "2006 HU 16 Section 108 Loan Contract"); and 17 WHEREAS, the City shall provide the Agency with the proceeds of the 2006 Cit 18 Section 108 Loan, as the authorized Subrecipient of the City under the terms of the 2006 Cit 19 Section 108 Loan Contract, for the following activities in connection with the Arden-Guthri 20 Redevelopment Project: 21 site acquisition, pursuant to 24 CFR Part 570.703(a); (i) (ii) completing the acquisition by the Agency of certain lands in the "Project Site" ( 22 this term is defined in the 2006 HUD Section 108 Loan Contract); 24 (iii) residential relocation assistance, pursuant to 24 CFR Part 570.703( d); 23 4829-3957-2993.1 -3- P:\AceAdat\RetowU.JP\Ilesolllldolllll\20G6\07-24-G6 ArdeII Guthrie Sectkm 1GB LoI. MCC Ilno A.dGc e2 _13 -14 e25 (iv) demolition and clearance, pursuant to 24 CFR Part 570.703(e) (See 2006 Section 108 Loan Contract Paragraph 15(b)). 3 NOW, THEREFORE, IT IS HEREBY RESOLVED, DETERMINED AND ORDERED 4 BY THE MAYOR AND COMMON COUNCIL OF THE CITY OF SAN BERNARDINO AS 5 FOLLOWS: 6 Section 1. The Recitals of this Resolution are true and correct. The Mayor an 7 Common Council have previously authorized the submission by the City of the HUD Lo 8 Application in support of the Arden-Guthrie Redevelopment Project, and the Mayor an 9 Common Council have previously conducted public hearings related to the use and applicatio 10 of the HUD Section 108 Loan Guarantee Program and the 2006 HUD Section 108 Loan Contrac 11 for the Arden-Guthrie Redevelopment Project in an aggregate amount not to exceed Seve 12 Million Five Hundred Thousand Dollars ($7,500,000.00), including the public hearing conducted on February 23, 2006, May I, 2006 and July 24, 2006. The text of the HUD Lo 15 Application and the text of the 2006 HUD Section 108 Loan Contract, together with th 16 confirming correspondence of the City addressed to HUD as relates thereto, is incorporate 17 herein by this reference. 18 Section 2. The Mayor and Common Council have conducted public hearings relatin 19 to the use of the HUD Section 108 Loan Guarantee Program assistance and funding for th 20 Arden-Guthrie Redevelopment Project as described in the HUD Loan Application and as furthe 21 set forth in the staff report dated July 24, 2006, and during each such public hearing the Mayo 22 and Common Council considered all comments and information submitted by interested person 23 in connection with the HUD Loan Application, the Arden-Guthrie Redevelopment Project an 24 the 2006 HUD Section 108 Loan Contract. 4829-3957-2993.1 -4- 1':\Ar;e.das\IUM...tioaaUlnot.dInu\2I06\07-U-ll6 AnteD G.tIuie Sect.ID.a III Lu.. MCC Itao A.doe e: 613 -14 e25 Section 3. The Mayor and Common Council hereby finds and declares that sever conditions of blight exist in the Arden-Guthrie neighborhood and that the approval of the 200 3 HUD Section 108 Loan Contract and the implementation of the community redevelopmen 4 activities contemplated thereunder, shall substantially and materially assist the City to preven 5 and eliminate the spread of blight which adversely affects the Arden-Guthrie neighborhood an 6 the community generally. The redevelopment of the Arden-Guthrie neighborhood is in the vita 7 and best interests ofthe City. 8 Section 4. The Mayor and Common Council hereby approve the terms of the 200 9 10 HUD Section 108 Loan Contract for the Arden-Guthrie Redevelopment Project in the form 11 submitted to the Mayor and Common Council at the meeting at which this Resolution is adopted 12 The Mayor or his designee are hereby authorized and directed to execute the form of the 200 HUD Section 108 Loan Contract on behalf of the City as the "Borrower", all as set forth in th 2006 HUD Section 108 Loan Contract. The Mayor or his designee are further authorized an 15 directed to execute on behalf of the City as the Borrower the $7,500,000 HUD Section 108 Lo 16 Promissory Note and all of the other 2006 HUD Section 108 Loan Contract-related instrument 17 and certificates as may be required by HUD in order to complete the transaction contemplate 18 under the 2006 HUD Section 108 Loan Contract as relates to the Arden-Guthrie Redevelopmen 19 Proj ecl. 20 Section 5. Upon execution by the City as the Borrower, the Mayor or his designe 21 22 shall cause the fully executed original copy of the 2006 HUD Section 108 Loan Contract and th 23 $7,5000,000 HUD Section 108 Loan Promissory Note, and the related instruments and othe 24 certificates, to be delivered to HUD as soon as practicable, including without limitation th collateral assignment ofthe Agency Lands by the City to HUD as initially pledged as security b 4829-3957-2993.1 -5- P:\Ar;e.~"'"-lU\RaokatioJlS\2006\07-14-I6 ArcIell GllthrIe kctioJI, 188 Loaa MCC a- A.dDC e 2 3 4 5 6 7 8 9 10 11 12 e13 14 15 16 17 18 19 20 21 22 23 24 e25 the Agency to the City under the terms of the 2006 Redevelopment Cooperation 10 Agreement, dated as of July 24, 2006, by and between the City and the Agency. The Mayor 0 his designee are further authorized and directed to initiate all other ministerial actions on behal of the City relating to the delivery to HUD of all related documents in support of the Arden Guthrie Redevelopment Project, including authorized City offer signature certificates, wire fun Fargo Bank NTSA, and the City, account fund balance confirmation reports and the like, transfer instructions, the establishment of custodial account agreements among HUD, Well contemplated under the 2006 HUD Section 108 Loan Contract. Section 6. The Mayor and Common Council hereby acknowledges that th (a) $7,500,000 HUD Section 108 Loan Promissory Note sets forth a specific schedule ofrepaymen by the City to HUD of the principal amount of the loan under the 2006 HUD Section 108 10 Contract, as shall be due and payable in the amounts and at the times provided as follows: Principal Due Date Commitmeut Principal Due Date Commitment Amount Amount August I, 2006 $0 August 1,2016 $424,000 August 1,2007 $0 August 1,2017 $454,000 August 1,2008 $0 August 1, 2018 $494,000 August 1, 2009 $0 August 1,2019 $534,000 August 1,2010 $0 August 1,2020 $574,000 August 1,2011 $334,000 August 1, 2021 $624,000 August 1,2012 $344,000 August 1,2022 $654,000 August 1,2013 $354,000 August 1, 2023 $654,000 August 1,2014 $384,000 August 1, 2024 $634,000 August 1,2015 $404,000 August 1,2025 $634,000 (Aggregate Principal Amount = $7,500,000) 4829-3957-2993.1 -6- P:\Aceadll.ulfto....rtolll\Rnahltkl...U086\01-Z4-06 ArdeD G.l1uir Sectioa 10 Lo.. MCC Reto A-dG&: e2 A13 -14 e25 Payments of interest which accrue on the outstanding principal balance of the 2006 HUD Sectio 108 loan from the date of the $7,500,000 HUD Section 108 Loan Promissory Note (e.g., th 3 "Interim Interest Rate" and later, the "Public Offering Date", as these terms are defined in th 4 $7,500,000 HUD Section 108 Loan Promissory Note) shall be paid by the City at the rate 0 5 interest per annum determined in accordance with the interim HUD financing and later on th 6 Public Offering Date to be inserted by HUD or its fiscal agent, in the Schedule "P&I" of th 7 $7,500,000 HUD Section 108 Loan Promissory Note, all as provided in the 2006 HUD Sectio 108 Loan Contract. 8 9 Except for the special source of funds as may be available to the City by virtue 0 (b) 10 the collateral assigmnents by: 11 (i) the Agency to the City of the Agency's beneficial interest in the Agency Land 12 pursuant to the 2006 Redevelopment Cooperation Loan Agreement; (ii) the Agency to the City for the collateral assigmnent to HUD of the Agency' 15 beneficial interest in the "Annual Agency Site Tax Increment Payment" whic arises in favor of the Agency under the terms of the 2003 Redevelopmen 16 17 Cooperation Agreement, dated October I, 2003, by and among the City, IVD 18 and the Agency; 19 (iii) the Agency to the City for the collateral assigmnent to HUD of the Agency' 20 beneficial interest in the "Annual Agency Site Sales Tax Payment" which arise 21 in favor of the Agency under the terms of Section 6 of the 2006 Redevelopmen 22 Cooperation Loan Agreement; 23 (iv) the Agency to the City for collateral assigmnent to HUD of the Agency' 24 beneficial interest in the "Annual Agency Grant Assistance Revenue Payment' 4829-3957-2993.1 -7- r:\Acudu~hltktas\Ilno.tlo...ullM\l7MZ4-06 Arden GlltIuit SecU.. .01 Lou MCC Rete A.doc e 2 3 4 5 6 7 8 9 10 11 12 e13 14 15 16 17 18 19 20 21 22 23 24 e25 which arises in favor of the Agency under the terms of Section 7 of the 200 Redevelopment Cooperation Loan Agreement; (v) the Agency to the City for collateral assignment to HUD of the Agency' beneficial interest in "Developer Grant Agreement Revenues", which arises i favor of the Agency under the terms of Section 9 of the 2006 Redevelopmen Cooperation Loan Agreement or otherwise under the Developer Gran Agreement; The sole source of funds of the City available to repay the 2006 HUD Section 108 Loan shall b the CDBG Program revenues of the City, all as more fully provided under the 2006 Section 108 Loan Contract and no other source of funds of the City is pledged or shall b available for the repayment of the 2006 HUD Section 108 Loan. For the purposes of the 200 HUD Section 108 Loan Contract, the source of funds identified above in subsection (b )(ii), (iii and (iv), are referred to collectively as "Pledged Revenues". Section 7. The disbursement of the proceeds of the 2006 HUD Section 108 Loan b the City to the Agency shall be subject to and conditional upon the satisfaction by the Agency 0 each and every condition of Section 4 the 2006 Redevelopment Cooperation Loan Agreement substantially in the form as such loan agreement is presented to the City at the meeting at whic this Resolution is adopted. The final form of the 2006 Redevelopment Cooperation Lo Agreement (Arden-Guthrie Redevelopment Project) shall be subject to approval by the Mayo and Common Council, in its sole discretion, as evidenced by a separate resolution of the Mayo and Common Council approving the final form of such 2006 Redevelopment Cooperation Lo Agreement (Arden-Guthrie Redevelopment Project). 4829-3957-2993.1 -8- P:\Aceadu\Raolulieu\RaolutillIU\ZG06\07-Z....06 ArdeA Glltluie SectIe. 101 Lou MCC ReM A.doc e: Section 8. Special legal counsel to the City in connection with the Arden-Guthri Redevelopment Project and the 2006 HUD Section 108 Loan Contract is the law firm of Lewi 3 Brisbois Bisgaard & Smith, LLP. Special legal counsel, in consultation with the City Attorney 4 is hereby authorized and directed to submit to HUD on behalf of the City, an approving lega 5 opinion with respect to the transaction contemplated under the 2006 HUD Section 108 Lo 6 Contract, in the form required by HUD as part of the documentation associated with the 200 7 HUD Section 108 Loan Contract. 8 9 Section 9. This Resolution shall take effect upon its adoption and execution in the 4829-3957-2993.1 -9- r:v.ceaa.I\RaoIllUop\Jtaolv.tioAJ\Z106\07-Z4-06 Ardea GtdIIrie SeetlolllOa Lou. MCC ReIo A.doc 8 on the day of 9 Council Members: Ayes 10 ESTRADA 11 BAXTER 12 MCGINNIS e13 DERRY KELLEY 14 JOHNSON 15 MC CAMMACK 16 e: e25 3 RESOLUTION OF THE MAYOR AND COMMON COUNCIL OF THE CITY OF SAN BERNARDINO APPROVING AND AUTHORIZING THE MAYOR TO EXECUTE THE CONTRACT AND RELATED DOCUMENTS FOR THE LOAN GUARANTEE ASSISTANCE UNDER SECTION 108 OF THE HOUSING AND COMMUNITY DEVELOPMENT ACT OF 1974, AS AMENDED, 42 USC SECTION 5308 (CDBG SECTION 108 CONTRACT NO. B-03-MC-06-0539) - NORTH ARDEN GUTHRIE COMMERCIAL DEVELOPMENT PROJECT (IVDA REDEVELOPMENT PROJECT AREA) 4 5 6 I HEREBY CERTIFY that the foregoing Resolution was duly adopted by the Mayor and 7 Common Council of the City of San Bernardino at a meeting thereof, held , 2006, by the following vote to wit: Nays Abstain Absent 17 18 Rachel G. Clark, City Clerk 19 The foregoing resolution is hereby approved this day of ,2006. 20 21 22 Patrick J. Morris, Mayor City of San Bernardino 23 Approved as to Form: 24 4829-3957-2993,1 -10- P:\AcnKbI\RnoIltC1oAl\lleso.'k1u\Z006\07-Z4-CI6 An&eD Gtlthrk SmtoalOI Lei_ MCC IteIo A.dCM: e: _13 _14 e25 RESOLUTION NO. 3 RESOLUTION OF THE MAYOR AND COMMON COUNCIL OF THE CITY OF SAN BERNARDINO APPROVING AND AUTHORIZING THE MAYOR TO EXECUTE THE 2006 REDEVELOPMENT COOPERATION LOAN AGREEMENT BY AND BETWEEN THE CITY OF SAN BERNARDINO AND THE REDEVELOPMENT AGENCY OF THE CITY OF SAN BERNARDINO ("AGENCY") - NORTH ARDEN GUTHRIE COMMERCIAL DEVELOPMENT PROJECT (IVDA REDEVELOPMENT PROJECT AREA) 4 5 6 7 WHEREAS, for the past several years the City of San Bernardino (the "City") and th 8 Redevelopment Agency of the City of San Bernardino (the "Agency") have been engaged i 9 efforts to address blighting conditions in a portion of the City known as the Arden-Guthri 10 neighborhood; and 11 WHEREAS, the Arden-Guthrie neighborhood has been afflicted with a number 0 12 physical and economic conditions of blight over the years, as these terms are defined in Heal and Safety Code Section 33032, including without limitation, conditions of substandar 15 structures and dwellings, residential overcrowding, substandard property maintenanc 16 conditions, inadequate design of improvements, abandoument of property, depreciating an 17 stagnant property values, and criminal activity which has occurred at rates substantially high 18 than crime rates in other neighborhoods of the City; and 19 WHEREAS, the Agency, in cooperation with the City, has previously embarked on 20 program to acquire properties in the Arden-Guthrie neighborhood and to relocate the persons an 21 households occupying such property into safe, sanitary and decent housing at other suitabl 22 locations; and 23 WHEREAS, as of June 30, 2006, the Agency has incurred a redevelopment indebtednes 24 in excess of $1 0,000,000 in connection with its previous efforts to address conditions of blight i 4810-7894-417.\ -1- P:\Agendas\Raolutions\Resolulions\2006\07-24-{l6 Arden Guthrie Section IOS Loan MCC R.eso B.dDC e2 _13 .14 e25 the Arden-Guthrie neighborhood and to prevent the spread of blight from the Arden-Guthri neighborhood into nearby neighborhoods and communities; and 3 WHEREAS, the City believes it is necessary and appropriate for the Agency to acquir 4 additional lands in the Arden-Guthrie neighborhood in order to foster a commercially viable an 5 economically sustainable plan of redevelopment and reuse of the Arden-Guthrie neighborhoo 6 and to prevent the spread of blight in the Arden-Guthrie neighborhood into other surroundin 7 neighborhoods and communities; and 8 9 WHEREAS, the Arden-Guthrie neighborhood is situated within the redevelopmen 10 project area of the Inland Valley Development Project (the "Project Area") which is a speci 11 redevelopment project area administered by the Inland Valley Development Agency (th 12 "IVDA"); and WHEREAS, the IVDA has been established pursuant to a joint exercise of power agreement in January 1990, as a former military base civilian reuse local redevelopmen 15 authority as recognized by the United States Secretary of the Air Force, for the purpose 0 16 assisting in the conversion, redevelopment and civilian reuse of the former Norton Air Forc 17 Base located within the City of San Bernardino; and 18 WHEREAS, the IVDA has been granted specific powers by the State Legislature in 198 (Stats. 1989 c.545 and See Now Stats 1997, c.580 and Health and Safety Code Section 33492.40 19 20 et seq.) to assist in the redevelopment of the former Norton Air Force Base and the lands i proximity thereto pursuant to the Community Redevelopment Law (Health and Safety Cod 21 22 Section 33000, et seq.); and 23 WHEREAS, the IVDA has adopted the Redevelopment Plan for the Inland Valle 24 Redevelopment Project Area (the "Redevelopment Plan") in accordance with the provisions 0 the CRL, and the Redevelopment Plan provides for certain redevelopment activities to b undertaken within the Project Area as more fully described in the Redevelopment Plan; and 4810-7894-4\7.\ -2- P:\Agcndas\Resolutiom\Acsolutions\2006\07-24-06 AnIen Guthrie Section 108 Loan MCC Ileso B.doc e2 _13 _14 e25 3 WHEREAS, the IVDA, the City and the Agency have entered into an agreement entitle "2003 Redevelopment Cooperation Agreement", dated as of October 8, 2003 (the "IVD Redevelopment Cooperation Agreement") assist the City and the Agency to accomplish th redevelopment of the Arden-Guthrie neighborhood. 4 5 WHEREAS, at the request of the Agency, the City has made arrangements with th 6 United States Secretary of the Department of Housing and Urban Development ("HUD"), t 7 provide the City with a "Section 108 Loan Guarantee" under the provisions of the Housing an 8 Community Development Act of 1974, as amended (42 USC Section 5308) and HUD Sectio 108 Loan Program regulations set forth at 24 CFR Part 570.700 (the "2006 HUD Section 10 9 10 Loan") in an amount of Seven Million Five Hundred Thousand Dollars ($7,500,000), and in 11 the City proposes to loan to the Agency the proceeds of the 2006 HUD Section 108 Loan to th Agency in support ofthe Project; and 12 WHEREAS, HUD has confirmed it is prepared to provide a Section 108 Loan to the Cit in the maximum principal sum of Seven Million Five Hundred Thousand Dollars ($7,500,000 15 under HUD Section 108 Loan Program Guarantee No. B-03-MC-06-0539 (the "2006 HU 16 Section 108 Loan Contract"); and WHEREAS, the City shall provide the Agency with the proceeds of the 2006 Cit 17 18 Section 108 Loan, as the authorized Subrecipient of the City under the terms of the 2006 Cit 19 Section 108 Loan Contract, for the following activities in connection with the Arden-Guthri 20 Redevelopment Project: 21 Site acquisition, pursuant to 24 CFR Part 570.703(a); (i) (ii) Completing the acquisition by the Agency of certain lands in the "Project Site" 22 23 this term is defined in the 2006 HUD Section 108 Loan Contract; 24 (iii) Residential relocation assistance, pursuant to 24 CFR Part 570.703(d); 4810-7894-417.1 -3- P:\AgcndilSlJlesolutions\Rcsolulio!KUOO6\07-24-06 Alden Guthrie Section 108 Loan MCC Ileso B.doe _2 _13 _14 (iv) Demolition and clearance, pursuant to 24 CFR Part 570.703(e) (See 2006 Section 108 Loan Contract Paragraph 15(b)); and 3 WHEREAS, the Mayor and Common Council have adopted a resolution entitled 4 "Resolution of the Mayor and Common Council of the City of San Bernardino approving an 6 Assistance under Section J08 of the Housing and Community Development Act of 1974, 5 authorizing the Mayor to execute the contract and related documents for the Loan Guarante 7 amended, 42 USC Section 5308 (CDBG Section 108 Contract No. B-03-MC-06-0539) - No 8 Arden Guthrie Commercial Development Project (IVDA Redevelopment Project Area)". 9 NOW, THEREFORE, IT IS HEREBY RESOLVED, DETERMINED AND ORDERED 10 BY THE MAYOR AND COMMON COUNCIL OF THE CITY OF SAN BERNARDINO, AS 11 FOLLOWS: 12 Section 1. The Recitals of this Resolution are true and correct. Section 2. The Mayor and Common Council hereby finds and declares that severe 15 conditions of blight exist in the Arden-Guthrie neighborhood and that the approval of the 2006 HUD Section 108 Loan Contract and the 2006 Redevelopment Cooperation Loan Agreement, 16 and the implementation of the community redevelopment activities contemplated under each 17 such agreement shall substantially and materially assist the Agency to prevent and eliminate the spread of blight which adversely affects the Arden-Guthrie neighborhood and the community 18 19 generally. The redevelopment of the Arden-Guthrie neighborhood is in the vital and best interests ofthe City. 20 Section 3. The Mayor and Common Council hereby approves the terms of the 2006 21 Redevelopment Cooperation Loan Agreement for the Arden-Guthrie Redevelopment Project in 22 the form as submitted to the Mayor and Common Council at which this Resolution of the Mayor and Common Council is adopted. The Mayor or his designee are hereby authorized and directed to execute the 2006 Redevelopment Cooperation Loan Agreement on behalf of the _ 25 City. 23 24 4810-7894-417.1 -4- P:\Aacndas\Resobrttons\ResoJutiontl2006\07-24-06 Arden Qulbric Seetion 108 Loan MCC Reso B.OOc e2 Section 4. Prior to the time that the Agency may approve an agreement with the 3 Developer for the disposition of the Agency Collateral Lands to the Developer for the implementation of the Arden-Guthrie Redevelopment Project as required under Health and Safety Code Section 33431 and other applicable law, the Agency shall provide a written certification to the City that the "Developer Grant Agreement" as this term is defined in the 4 5 6 2006 Redevelopment Cooperation Loan Agreement, contains provisions consistent with Section 7 9 of the 2006 Redevelopment Cooperation Loan Agreement and consistent with Paragraph 15(c)(iv) of the 2006 HUD Section 108 Loan Contract, and is, in the opinion oflegal counsel to 8 9 the Agency, otherwise in a form satisfactory to HOD. Section 5. 10 III 11 III 12 III e13 III 14 III 15 III 16 III 17 III 18 III 19 III 20 III 21 III 22 III 23 III 24 III e25 III This Resolution shall take effect upon adoption. 4810-7894417.1 -5- P:\Agendas\J\esokltioos\llnolutions\2OO6\07.24-06 Ardm Guthrie Sedion 108 Loan MCC R.eso B.doc 8 held on the day of 9 Council Members: Aves 10 ESTRADA BAXTER 11 MCGINNIS 12 DERRY e13 KELLEY 14 JOHNSON 15 MC CAMMACK 16 e: e25 3 RESOLUTION OF THE MAYOR AND COMMON COUNCIL OF THE CITY OF SAN BERNARDINO APPROVING AND AUTHORIZING THE MAYOR TO EXECUTE THE 2006 REDEVELOPMENT COOPERATION LOAN AGREEMENT BY AND BETWEEN THE CITY OF SAN BERNARDINO AND THE REDEVELOPMENT AGENCY OF THE CITY OF SAN BERNARDINO ("AGENCY") - NORTH ARDEN GUTHRIE COMMERCIAL DEVELOPMENT PROJECT (IVDA REDEVELOPMENT PROJECT AREA) 4 5 6 I HEREBY CERTIFY that the foregoing Resolution was duly adopted by the Mayor and 7 Common Council of the City of San Bernardino at a meeting thereof, , 2006, by the following vote to wit: Navs Abstain Absent 17 Rachel G. Clark, City Clerk 18 The foregoing resolution is hereby approved this day of ,2006. 19 20 21 Patrick J. Morris, Mayor City of San Bernardino 22 Approved as to Form: 23 24 -r es F. Penman, City Attorney 4810-7894-417.1 -6- P:\Ar:endas\R.esolutaons\Raolutions\2006\07-24-06 Arden Guthrie Scctioa 108 Loan Mec I.e$o D.doe e2 _13 _14 e25 RESOLUTION NO. 3 RESOLUTION OF THE COMMUNITY DEVELOPMENT COMMISSION OF THE CITY OF SAN BERNARDINO APPROVING AND AUTHORIZING THE EXECUTIVE DIRECTOR OF THE REDEVELOPMENT AGENCY OF THE CITY OF SAN BERNARDINO ("AGENCY") TO EXECUTE THE 2006 REDEVELOPMENT COOPERATION LOAN AGREEMENT BY AND BETWEEN THE AGENCY AND THE CITY OF SAN BERNARDINO - NORTH ARDEN GUTHRIE COMMERCIAL DEVELOPMENT PROJECT (IVDA REDEVELOPMENT PROJECT AREA) 4 5 6 7 8 WHEREAS, for the past several years the City of San Bernardino (the "City") and th 9 Redevelopment Agency of the City of San Bernardino (the "Agency") have been engaged i 10 efforts to address blighting conditions in a portion of the City known as the Arden-Guthri 11 neighborhood; and 12 WHEREAS, the Arden-Guthrie neighborhood has been afflicted with a number 0 physical and economic conditions of blight over the years, as these terms are defined in Heal and Safety Code Section 33032, including without limitation, conditions of substandar 15 structures and dwellings, residential overcrowding, substandard property maintenanc 16 conditions, inadequate design of improvements, abandonment of property, depreciating an 17 stagnant property values, and criminal activity which has occurred at rates substantially high 18 19 than crime rates in other neighborhoods of the City; and 20 WHEREAS, the Agency, in cooperation with the City, has previously embarked on 21 program to acquire properties in the Arden-Guthrie neighborhood and to relocate the persons an 22 households occupying such property into safe, sanitary and decent housing at other suitabl 23 locations; and 24 WHEREAS, as of June 30, 2006, the Agency has incurred a redevelopment indebtednes in excess of $10,000,000 in connection with its previous efforts to address conditions of blight i 4810-7894-417.1 -1- P:\Agendas\RcsoIuti0n5\Re$olutions\2006\07-24-06 An:kn Guthrie: Scctioa 108 Loan CDC R.eso c.dot e~ _13 _14 25 e the Arden-Guthrie neighborhood and to prevent the spread of blight from the Arden-Guthri neighborhood into nearby neighborhoods and communities; and 3 WHEREAS, the City believes it is necessary and appropriate for the Agency to acquir 4 additional lands in the Arden-Guthrie neighborhood in order the foster a commercially viabl 5 and economically sustainable plan of redevelopment and reuse of the Arden-Guthri 6 neighborhood and to prevent the spread of blight in the Arden-Guthrie neighborhood into othe 7 surrounding neighborhoods and communities; and 8 9 WHEREAS, the Arden-Guthrie neighborhood is situated within the redevelopmen 10 project area of the Inland Valley Development Project (the "Project Area") which is a speci 11 redevelopment project area administered by the Inland Valley Development Agency (th 12 "IVDA"); and WHEREAS, the IVDA has been established pursuant to a joint exercise of power agreement in January 1990, as a former military base civilian reuse local redevelopmen 15 authority as recognized by the United States Secretary of the Air Force, for the purpose 0 16 assisting in the conversion, redevelopment and civilian reuse of the former Norton Air Fore 17 Base located within the City of San Bernardino; and 18 WHEREAS, the IVDA has been granted specific powers by the State Legislature in 198 (Stats. 1989 c.545 and See Now Stats 1997, c.580 and Health and Safety Code Section 33492.40 19 20 et seq.) to assist in the redevelopment of the former Norton Air Force Base and the lands i 21 proximity thereto pursuant to the Community Redevelopment Law (Health and Safety Cod 22 Section 33000, et seq.); and WHEREAS, the IVDA has adopted the Redevelopment Plan for the Inland Valle 23 24 Redevelopment Project Area (the "Redevelopment Plan") in accordance with the provisions 0 the CRL, and the Redevelopment Plan provides for certain redevelopment activities to b undertaken within the Project Area as more fully described in the Redevelopment Plan; and 4810-7894-417.\ -2- P:\Agendas\RaoIutXml\ResolutionsIJ006\07-24-06 Ardm Guthrie Settioo 108 Loan CDC RcJo C.dlx: e2 _13 .14 e25 3 WHEREAS, the NDA, the City and the Agency have entered into an agreement entitle "2003 Redevelopment Cooperation Agreement", dated as of October 8, 2003 (the "IVD Redevelopment Cooperation Agreement") assist the City and the Agency to accomplish th 4 redevelopment of the Arden-Guthrie neighborhood. 5 WHEREAS, at the request of the Agency, the City has made arrangements with th United States Secretary of the Department of Housing and Urban Development ("HUD"), t 6 7 provide the City with a "Section 108 Loan Guarantee" under the provisions of the Housing an 8 Community Development Act of 1974, as amended (42 USC Section 5308) and HUD Sectio 108 Loan Program regulations set forth at 24 CFR Part 570.700 (the "2006 HUD Section 10 9 10 Loan") in an amount of Seven Million Five Hundred Thousand Dollars ($7,500,000), and in 11 the City proposes to loan to the Agency the proceeds of the 2006 HUD Section 108 Loan to th Agency in support of the Project; and 12 WHEREAS, HUD has confirmed it is prepared to provide a Section 108 Loan to the Cit in the maximum principal sum of Seven Million Five Hundred Thousand Dollars ($7,500,000 15 under HUD Section 108 Loan Program Guarantee No. B-03-MC-06-0539 (the "2006 HU Section 108 Loan Contract"); and WHEREAS, the City shall provide the Agency with the proceeds of the 2006 Cit 16 17 18 Section 108 Loan, as the authorized Subrecipient of the City under the terms of the 2006 Cit 19 Section 108 Loan Contract, for the following activities in connection with the Arden-Guthri 20 Redevelopment Project: 21 (i) (ii) Site acquisition, pursuant to 24 CFR Part 570.703(a); 22 Completing the acquisition by the Agency of certain lands in the "Project Site" 23 this term is defined in the 2006 HUD Section 108 Loan Contract; 24 (iii) Residential relocation assistance, pursuant to 24 CFR Part 570.703(d); 4810-7894-417.1 -3- P:\Agendas\Resolutions\ResolutionsU006\07-24-06 Arden Guthrie S<<.Iion 108 Loan CDC Ilno C.doc e: a13 W14 e25 (iv) Demolition and clearance, pursuant to 24 CFR Part 570.703(e) (See 2006 Section 108 Loan Contract Paragraph 15(b)); and 3 WHEREAS, the Mayor and Common Council have adopted a resolution entitled 4 "Resolution of the Mayor and Common Council of the City of San Bernardino approving an 6 Assistance under Section 108 of the Housing and Community Development Act of 1974, 5 authorizing the Mayor to execute the contract and related documents for the Loan Guarante 7 amended, 42 USC Section 5308 (CDBG Section 108 Contract No. B-03-MC-06-0539) - No 8 Arden Guthrie Commercial Development Project (IVDA Redevelopment Project Area)". 9 NOW, THEREFORE, THE COMMUNITY DEVEWPMENT COMMlSSION OF THE 10 CITY OF SAN BERNARDINO DOES HEREBY RESOLVE, DETERMINE AND ORDER, AS 11 FOLWWS: 12 Section 1. The Recitals of this Resolution are true and correct. Section 2. The Commission hereby finds and declares that severe conditions of 15 blight exist in the Arden-Guthrie neighborhood and that the approval of the 2006 HUD Section 108 Loan Contract and the 2006 Redevelopment Cooperation Loan Agreement, and the 16 implementation of the community redevelopment activities contemplated under each such agreement shall substantially and materially assist the Agency to prevent and eliminate the spread of blight which adversely affects the Arden-Guthrie neighborhood and the community 17 18 19 generally. The redevelopment of the Arden-Guthrie neighborhood is in the vital and best 20 interests of the City. Section 3. The Commission hereby approves the terms of the 2006 Redevelopment 21 22 Cooperation Loan Agreement for the Arden-Guthrie Redevelopment Project in the form as submitted to the Commission at which this Resolution of the Commission is adopted. The Executive Director of the Agency are hereby authorized and directed to execute the 2006 Redevelopment Cooperation Loan Agreement on behalf of the Agency. 23 24 4810-7894-417.1 -4- P:\Agmdas\ResolutMms\Re$Olutions\2006\07-24-06 Arden Gutbrie Section 108!.olU:l ax:: blO C.ax e2 a13 -14 e25 Section 4. The Executive Director of the Agency is hereby authorized and directed 3 to obtain a written appraisal report of the "Agency Collateral Lands", as this term is defined in the 2006 Redevelopment Cooperation Loan Agreement, which are owned by the Agency as of July I, 2006, from a qualified real estate appraiser. The "highest and best use" of the Agency Collateral Lands, for the purposes of the written appraisal, shall be commercial/retail use of 4 5 6 such lands. The form of such appraisal shall otherwise be in compliance with the provisions of 7 paragraph 15(e)(ix) of the 2006 HUD Section 108 Loan Contract. Provided that the appraisal of the Agency Collateral Lands indicates a fair market value thereof of not less than Four Million Three Hundred Thousand Dollars ($4,300,000) the Executive Director of the Agency are authorized and directed to execute the following instruments on behalf of the Agency and deliver each of them to the City pursuant to Section 4 of the 2006 Redevelopment Cooperation Loan Agreement: 8 9 10 11 12 (i) Note-A in the principal sum of $7,500,000; (ii) Agency Deed of Trust; 15 (iii) Consent by the Agency of the Collateral Assignment to HUD of Note-A and the Agency Deed of Trust; 16 (iv) Subsequent modifications to the Agency Deed of Trust to acknowledge the collateral assignment to the City and to HUD, of any additional lands in the 17 18 "Project Site", as this term is defined in the 2006 Redevelopment Cooperation 19 Loan Agreement, which the Agency may acquire using the proceeds of the 2006 HUD Section 108 Loan; and 20 21 (v) Requests for draws of loan proceeds from the City upon the satisfaction of the applicable provisions of Section 4 of the 2006 Redevelopment Cooperation Loan Agreement. 22 23 24 Section 5. Prior to the time that the Agency may approve an agreement with the Developer for the disposition of the Agency Collateral Lands to the Developer for the implementation of the Arden-Guthrie Redevelopment Project as required under Health and 4810.7894-417.\ -5- P:\Agendas\Resolutions\RclQluliont\2006\07-24-06 Ardea Guthrie Setrion lotlLou CDC IteIo C.doc e: Safety Code Section 33431 and other applicable law, the Agency shall provide a written certification to the City that the "Developer Grant Agreement" as this term is defined in the 2006 Redevelopment Cooperation Loan Agreement, contains provisions consistent with Section 3 5 9 of the 2006 Redevelopment Cooperation Loan Agreement and consistent with Paragraph 15(c)(iv) of the 2006 HUD Section 108 Loan Contract, and is, in the opinion oflegal counsel to the Agency, otherwise in a form satisfactory to HUD. This Resolution shall take effect upon adoption. 4 6 7 Section 6. 8 1/1 9 1/1 /II 10 /II 11 1/1 12 /II e13 /II 14 /II 15 1/1 16 /II 17 1/1 18 /II 19 /II 20 /II 21 /II 22 /II 23 /II 24 /II e25 1/1 4810-7894-417.1 -6- P:\Agcndas\ResoILltiaN\Resolutions\2006\07-24-06 Ardm Gulbrie Section 108 Loan COC RuG Cdot e: e25 3 RESOLUTION OF THE COMMUNITY DEVELOPMENT COMMISSION OF THE CITY OF SAN BERNARDINO APPROVING AND AUTHORIZING THE EXECUTIVE DIRECTOR OF THE REDEVELOPMENT AGENCY OF THE CITY OF SAN BERNARDINO ("AGENCY") TO EXECUTE THE 2006 REDEVELOPMENT COOPERATION LOAN AGREEMENT BY AND BETWEEN THE AGENCY AND THE CITY OF SAN BERNARDINO - NORTH ARDEN GUTHRIE COMMERCIAL DEVELOPMENT PROJECT (IVDA REDEVELOPMENT PROJECT AREA) 4 5 6 I HEREBY CERTIFY that the foregoing Resolution was duly adopted by the Conununit 7 meeting Development Conunission of the City of San Bernardino at a , 2006, by the following vote to wit: Navs Abstain Absent 18 Secretary 19 The foregoing resolution is hereby approved this ,2006. day of 20 21 22 Patrick J. Morris, Chairperson Conununity Development Conunission of the City of San Bernardino 23 Approved as to Form and Legal Content: 24 ~~ Agency Co sel By: 4810-7894-417.1 -7- P:\Agendas\ResQIut;oQII\Rnolutiona\2006\01-24-06 Arden Gllfhrie Sedion 108 Loan COC Rcso C,doe e e e 2006 REDEVELOPMENT COOPERATION LOAN AGREEMENT (Arden-Guthrie Neighborhood Redevelopment Project) BY AND BETWEEN THE CITY OF SAN BERNARDINO AND THE REDEVELOPMENT AGENCY OF THE CITY OF SAN BERNARDINO THIS REDEVELOPMENT COOPERATION LOAN AGREEMENT (2006 ARDEN- GUTHRIE PROJECT) is dated as of July 24, 2006 (the "Loan Agreement") by and between the City of San Bernardino (the "City") and the Redevelopment Agency of the City of San Bernardino (the "Agency") and is entered into in light of the facts set forth in the following Recital paragraphs: - RECITALS -- WHEREAS, for the past several years the City and the Agency have been engaged in efforts to address blighting conditions in a portion of the City known as the Arden-Guthrie neighborhood; and WHEREAS, the Arden-Guthrie neighborhood has been afflicted with a number of physical and economic conditions of blight over the years, as these terms are defined in Health and Safety Code Section 33032, including, without limitation, conditions of substandard structures and dwellings, residential overcrowding, substandard property maintenance conditions, inadequate design of improvements, abandoument of property, depreciating and stagnant property values, and criminal activity which has occurred at rates substantially higher than crime rates in other neighborhoods of the City; and WHEREAS, the Agency, in cooperation with the City, has previously embarked on a program to acquire properties in the Arden-Guthrie neighborhood and to relocate the persons and households occupying such property into safe, sanitary and decent housing in other suitable locations; and WHEREAS, as of November 1,2005, the Agency has incurred a redevelopment indebtedness in excess of $10,000,000 in connection with its previous efforts to address conditions of blight in the Arden-Guthrie neighborhood and to prevent the spread of blight from the Arden-Guthrie neighborhood into nearby neighborhoods and communities; and WHEREAS, the City believes it is necessary and appropriate for the Agency to acquire additional lands in the Arden-Guthrie neighborhood in order to foster a commercially viable and economically sustainable plan of redevelopment and reuse of the Arden-Guthrie neighborhood and to prevent the spread of blight in the Arden-Guthrie neighborhood into other surrounding neighborhoods and communities; and WHEREAS, the Arden-Guthrie neighborhood is situated within the Inland Valley Development Agency (IVDA) Redevelopment Project Area (the "Project Area") which is a special redevelopment project area administered by the IVDA; and 4815-4167-0656.2 1 6128/06 ct P:\Agendas\Agenda Anachmentll\AimU-Amend 2006\07.24-{)6 2006 Cooperation loan Agreement-Arden Guthrie.doc e e e WHEREAS, the IVDA has been established pursuant to a joint exercise of powers agreement in January 1990, as a former military base civilian reuse local redevelopment authority as recognized by the United States Secretary of the Air Force, for the purpose of assisting in the conversion, redevelopment and civilian reuse of the former Norton Air Force Base located within the City of San Bernardino; and WHEREAS, the IVDA has been granted specific powers by the State Legislature in 1989 (Stats. 1989 c.545 and See Now Stats 1997, c.580 and Health and Safety Code Section 33492.40, et seq.) to assist in the redevelopment of the former Norton Air Force Base and the lands in proximity thereto pursuant to the Community Redevelopment Law (Health and Safety Code Section 33000, et seq.); and WHEREAS, the IVDA has adopted the Redevelopment Plan for the Inland Valley Redevelopment Project Area (the "Redevelopment Plan") in accordance with the provisions of the CRL, and the Redevelopment Plan provides for certain redevelopment activities to be undertaken within the Project Area as more fully described in the Redevelopment Plan; and WHEREAS, at the present time, substantially all the financial and administrative staff resources available to the IVDA are devoted to the implementation of certain agreements affecting the former Norton Air Force Base including an agreement entitled "Agreement Between the Department of the Air Force and the Inland Valley Development Agency," dated March 7, 1995, as amended, which specifically relates to the civilian reuse and redevelopment of the lands comprising the former Norton Air Force Base; and WHEREAS, the IVDA, the City and the Agency have entered into an agreement entitled "2003 Redevelopment Cooperation Agreement", dated as of October 8, 2003 (the "2003 Redevelopment Cooperation Agreement") assist the City and the Agency to accomplish the redevelopment of the Arden-Guthrie neighborhood; and WHEREAS, at the request of the Agency, the City has made arrangements with the United States Secretary of the Department of Housing and Urban Development ("HUD"), to provide the City with a "Section 1 08 Loan Guarantee" under the provisions of the Housing and Community Development Act of 1974, as amended (42 USC Section 5308) and HUD Section 108 Loan Program regulations set forth at 24 CFR Part 570.700 (the "2006 HUD Section 108 Loan") in an amount of Seven Million Five Hundred Thousand Dollars ($7,500,000), and in turn, the City proposes to loan to the Agency the proceeds of the 2006 HUD Section 108 Loan to the Agency in support of the Project; and WHEREAS, HUD has previously indicated it is prepared to provide a Section 108 Loan to the City in the maximum principal sum of Seven Million Five Hundred Thousand Dollars ($7,500,000) under HUD Section 108 Loan Program Guarantee No. B-03-MC-06-0539 (the "2006 HUD Section 108 Loan"); and WHEREAS, the City shall provide the Agency with the proceeds of the 2006 City Section 108 Loan, subject to a number of conditions as set forth in this Loan Agreement, for the purpose of the following: (i) completing the acquisition by the Agency of certain lands in the "Project Site"; 4815-4167.0656.2 2 6128106 cl P:\Agendas\Agenda Attaclunents\AtpnU-Amend 2006\01-24-06 2006 CooperaIion Loan AJrcement-Anien Guthrie.doc e e e (ii) relocating persons residing on the lands acquired by the Agency; (iii) demolishing structures on the lands acquired by the Agency; and (iv) preparing various studies and plans associated with the completion of the assembly of all of the lands in the Project Site and the selection of a "Developer" and the completion of the "Project", as each of these terms are defined below. NOW THEREFORE, THE CITY AND THE AGENCY DO HEREBY AGREE AS FOLLOWS: Section 1. Defined Terms and Exhibits. (a) In addition to the usage of the defined terms set forth in the Recital paragraphs of this Loan Agreement, the following words and phrases shall have the meaning as provided below: . 2006 HUD Note means and refers to the promissory note issued by the City and payable to HUD, or its assignee in the original principal amount of Seven Million Five Hundred Thousand Dollars ($7,500,000). The 2006 HUD Note evidences the indebtedness of the City to HUD under the 2006 HUD Section 108 Loan. . 2006 HUD Section 108 Loan means and refers to the loan provided by HUD to the City in the principal sum of Seven MiJlion Five Hundred Thousand Dollars ($7,500,000) pursuant to the Section 108 Loan Guarantee of the United States Secretary of the Department of Housing and Urban Development under HUD Section 108 Loan Program Guarantee No. B-03-MC-06-0539. . Agency Collateral Lands means and refers to the approximately twelve (12) acres of real property described in Exhibit "C". The Agency Collateral Lands are owned in fee by the Agency as of the Effective Date of this Loan Agreement. . Agency Deed of Trust means and refers to the deed of trust as shall be executed by the Agency and delivered to the City concurrently upon the Agency's receipt of the Initial Advance from the City under Loan-A. The Agency Deed of Trust shall pledge the Agency Collateral Lands as security for the repayment of Loan-A. The form of the Agency Deed of Trust is attached hereto as Exhibit "E". . Agency Grant Assistance Revenue means and refers to the revenues realized by the Agency under Section 7 ofthis Loan Agreement. . Agency Lands means and refers to the real property in the Project Site which the Agency shall transfer to the Developer, subject to the terms and conditions of the Developer Grant Agreement. The Agency Lands shall include all or such portion of the Agency Collateral Lands and the Agency Supplemental Collateral Lands as may be designated by the Agency in the Developer Grant Agreement. . Agency Supplemental Collateral Lands means and refers to real property which the Agency shall hereafter acquire within the boundaries of the Project Site using the proceeds of Loan-A following the Effective Date of this Agreement. 3 4815-4167-Q656.2 6128106 cl P:\Aa:cndas\Agenda Auaehments\AgrnU-Amend 2006\07.24-06 2006Coopcration Loan Agreement-Arden Guthrie,doc e e e . Annual Agency Site Tax Increment Payment means and refers to a portion of the property tax increment revenue payable to the Agency by the IVDA under the 2003 Redevelopment Cooperation Agreement from the Inland Valley Redevelopment Project which is attributable to the property taxes assessed to the Site and the Project and paid each tax year by the Developer following the date of Note-A, which property tax revenues are then allocated and paid to the Agency by the IVDA each fiscal year in accordance with the terms ofthe 2003 Redevelopment Cooperation Agreement. . Annual Agency Site Tax Payment means and refers to a sum of money payable by the City to the Agency during each Accounting Year, as provided in Section 6 of this Loan Agreement. . Developer means and refers to a third party entity as designated by the Agency and approved by the City which shall undertake the Developer Project within the Project Site in accordance with the terms and conditions of the Developer Grant Agreement. . Developer Grant Agreement means and refers to the agreement by and between the Agency and the Developer pursuant to which the Developer shall undertake the Developer Project within the Project Site, or a portion thereof. The Developer Grant Agreement shall contain the following provisions: (i) a grant by the Agency to the Developer of the Agency Lands for the Developer Project subject to certain conditions; (ii) if applicable, assistance by the Agency to the Developer to complete the acquisition of the lands within the Project Site as necessary for the improvement of the Developer Project; (iii) a covenant of the Developer that the completed Developer Project will have a minimum assessed ad valorem property tax value of $17 Million; (iv) the delivery to the Agency of acceptable performance security (the Developer Project Completion Surety) in favor of the Agency securing the Developer's obligation to complete the Developer Project; (v) a "Developer Project Profit Participation Fee" payable by the Developer to the Agency under certain circumstances in the event that the Developer Project is sold or refinanced within 15 years following its completion; and (vi) other provisions in favor of the Agency providing assurances that the Developer Project shall be faithfully completed by the Developer in a timely fashion. . Developer Grant Agreement Revenues means and refers to any sums or revenues realized by the Agency under the Developer Grant Agreement which shall be payable to the Agency by the Developer, including any amounts drawn by the Agency under the standby letter of credit or other Project Completion Surety provided by the Developer in favor of the Agency and the Project Profit Participation Fee as set forth under the Developer Grant Agreement. 4815-4167.Q656.2 4 6/28106 ct P:\Agendas\Aplda Attaehmcnts\AamU-Amend 2ClC16'D7-24-06 2006Coopera1ioo Loan Agreement-Arden Guthrie.doc: e e e . Loan-A means and refers to the loan in the original principal sum of $7,500,000 to be made by the City to the Agency as provided in Section 3 of this Loan Agreement. . Note-A means and refers to the promissory note in the original principal sum of $7,500,000 which shall evidence the obligation of the Agency to repay the City the proceeds of the 2004 HUD Section 108 Loan as disbursed by the City to the Agency. The form of Note-A is attached hereto as Exhibit "D". . Project means and refers to the neighborhood redevelopment project as shall be undertaken by the Agency within the Project Site as more particularly described in Exhibit "B". . Project Completion Date means and refers to the date on which the City issues one or more certificates of occupancy for the completed improvement on the Site by the Developer of at least 125,000 square feet of new building area. . Project Completion Surety means and refers to the Project completion security provided by the Developer to the Agency under the terms of the Developer Grant Agreement. . Project Profit Participation Fee means and refers to the sum of money which may hereafter be payable by the Developer to the Agency under the terms of the Developer Grant Agreement, in the event that the Developer may sell or otherwise hypothecate or refinance its interest in the Project. . Project Site means and refers to the lands included within the boundaries of the plot map attached hereto as Exhibit "A". (b) This Agreement shall take effect on the date when each of the following conditions have been satisfied: (i) the Mayor and Common Council have approved this Loan Agreement and the Mayor has executed this Loan Agreement on behalf of the City; (ii) the Community Development Commission of the City of San Bernardino has approved this Loan Agreement on behalf of the Agency and the Executive Director of the Redevelopment Agency of the City of San Bernardino has executed this 'Loan Agreement on behalf of the Commission; (iii) the Secretary ofHUD has approved the 2006 HUD Section 108 Loan and the Secretary of HUD and the City have each executed the final form of the documents evidencing the 2006 HUD Section 108 Loan; and (iv) condition numbers (i) - (iii) inclusive shall have occurred by a date not later than September 30, 2006. Upon the occurrence of conditions (i) - (iv), above, the Effective Date of this Loan Agreement shall have occurred. 4815-4167-0656,2 5 6/28106 cl P:\AJCndas\Agenda Attachmenls\Aemas-Amend 2006\07.24.06 2006 Coopc:rarion Loan Aarecmcm-Ardcn Guthrie.doc r- e e e (c) The following presents a listing of the various exhibits to this Loan Agreement: Exhibit "A" Vicinity Map Showing Project Site Exhibit "B" Description of the Project Exhibit "c" Listing of Agency Collateral Lands Exhibit "D" Form of Note-A Exhibit "E" Form of Agency Deed of Trust Exhibit "F" HUD Section 108 Loan Covenants Applicable to the Project Section 2. Indebtedness Authorized Under Develoner Grant Al!reement. The City hereby authorizes the Agency to incur an indebtedness with respect to the Project which is repayable by the Agency to the City from the sources of Agency funds pledged to repay Loan-A as provided in Section 3( e). Section 3. Loan-A to the Al!encv. (a) The City hereby agrees to loan to the Agency the principal amount of Seven Million Five Hundred Thousand Dollars ($7,500,000) as Loan-A, subject to the terms of this Loan Agreement. Loan-A shall be evidenced by Note-A which shall be executed by the Agency and delivered to the City at the time of disbursement of the proceeds of Loan-A to the Agency. The form of Note-A is attached to this Loan Agreement as Exhibit "D". (b) The date of Note-A shall be the date on which all of conditions as set forth in Section 4(b) of this Loan Agreement for the initial disbursement of the proceeds of Loan-A to the Agency have been satisfied, and the proceeds of the initial disbursement by HUD to the City of the 2006 HUD Section 108 Loan have in fact been received by the City. Such date shall be indicated on the face of Note-A and such date shall be the date of Note-A. Note-A shall mature, and the outstanding principal balance and all accrued and unpaid interest shall be due and payable on the twentieth (20th) anniversary following the date of Note-A (the "Maturity Date"). (c) Interest shall accrue on the outstanding principal balance of Note-A from its date until paid in full at a rate per annum as set forth in Note-A. (d) Loan-A shall be payable in annual installments prior to its maturity date in an amount each year which is not less than the amount of principal and interest payable by the City to HUD under the terms of the 2006 HUD Section 108 Loan. The Agency shall pay the City such amount each year from Agency Grant Assistance Revenues, and following the effective date of the Developer Grant Agreement the Agency shall pay the City the sum of subparagraph (i) and (ii) as follows: (i) the amount allocated and paid to the Agency by the IVDA as the Annual Agency Site Tax Increment Payment for the applicable year under the 2003 Redevelopment Cooperation Loan Agreement and (ii) the amount allocated and paid to the Agency by the City as the Annual Agency Sales Tax Increment Payment for the applicable Accounting Year under Section 6 of this Agreement. Each such installment shall be due and payable on June 30 of each year following the date of Note-A, with the first such 4815-4167'()656.2 6 6/28/06 ct P:\Agendas\Agcnda Attachments\Agmu-Amend 2006\07-24-06 2006 CQopcnl1ion Loan Apcemenl-Arden Guthrie.doc e e e installment payable on the June 30 next following the date of disbursement of the proceeds of Loan-A to the Agency. The Agency shall use and apply any sums which the Agency may receive under the Developer Grant Agreement as Project Profit Participation Fees or other Developer Grant Agreement Revenues as prepayments of Note-A. The City and the Agency acknowledge that the amount of Annual Agency Site Tax Increment Payment available to pay the initial instalhnent under Loan.-A, assuming a full fiscal year of the Agency (July I to the next June 30) following the completion of the Project is presently estimated to be a sum of not less than $60,000 for the instalhnent due on June 30 next following the completion of the redevelopment of the Project by the Developer. (e) The Agency hereby pledges to make payments to the City under Note-A prior to its Maturity Date from each of the following sources of funds: (i) Agency Grant Assistance Revenues; (ii) from the sale of the Agency Collateral Lands and the Agency Supplemental Collateral Lands; (iii) Developer Grant Agreement Revenues, if any; (iv) Annual Agency Site Tax Increment; (v) Annual Agency Sales Tax Increment Payments; and (vi) other legally available funds of the Agency. The pledge by the Agency of its legally available funds under Section 3(e)(vi) shall at all times be subordinate to any and all other outstanding, or as hereafter may be outstanding, bonds, notes or other forms of indebtedness of the Agency payable by the Agency in whole or in part from either other tax increment revenues or from legally available funds of the Agency and shall not constitute a prior lien on any such revenues or other legally available funds of the Agency. (f) The Agency hereby acknowledges and agrees that Note-A shall be considered as an indebtedness of the Agency as the same is intended for purposes of the filing of a statement of indebtedness with the County of San Bernardino pursuant to Health and Safety Code Section 33675. (g) Note-A is a special and limited obligation of the Agency and the sole source of funds as pledged for the repayment thereof is as provided in Section 3(e) of this Loan Agreement. Neither the taxing power of the Agency or any other agency is pledged to repay the principal or accrued interest under Note-A. Section 4. Loan-A. Use of Proceeds of Loan-A and Conditions for Disbursement of Proceeds of (a) for no other: The Agency shall use and apply the proceeds of Loan-A for the following purposes and (i) to acquire the Agency Supplemental Collateral Lands; (ii) to pay for the costs of the relocation of any persons residing on any such Agency Supplemental Collateral Lands; to pay for costs of the abatement of hazardous substances and to demolish any structures on the Agency Supplemental Lands; to pay for studies, plans and preliminary civil engineering work associated with the completion of the assembly of the lands in the Project Site and the selection of a Developer to complete the Project; and to reimburse the Developer for the cost of acquisition of one or more parcels of land separately acquired by the Developer, if any, under the terms of the Developer Grant Agreement. 4815-4167.0656.2 7 6128106 cl P:\Agendas\Agenda Attachml::nlS\Agmti-Arnend 2006\07.24-06 2006 CoopcnIion Loan Agreement-Arden Guthrie.doc (iii) (iv) (v) e e e (b) The following conditions precedent shall be satisfied prior to the initial disbursement by the City of the proceeds of Loan-A to the Agency: (i) HUD shall have provided the City with an initial disbursement of the proceeds of the $7,500,000 2006 HUD Section 108 Loan to the City in immediate funds on terms reasonably acceptable to the City; (ii) the Agency shall have executed Note-A and the Agency Deed of Trust in recordable form and shall not be otherwise in default of any provisions of this Loan Agreement; and (iii) concurrently with the recordation of the Agency Deed of Trust, the Agency shall deliver a CLTA lender's policy of title insurance in favor of the City insuring its security interest in the Agency Collateral Lands in a first lien position, subject only to other title matters approved by the City. (c) The following conditions shall be satisfied prior to each subsequent disbursement of the proceeds of Loan-A to the Agency: (i) the Agency shall have executed in recordable form a notice of amendment to the Agency Deed of Trust, adding as collateral to the "Mortgaged Property", as this term is defined in the Agency Deed of Trust, any Agency Supplemental Collateral Lands acquired by the Agency in the Project Site since the time of the previous advance; (ii) the Agency shall not be in default of any provision of this Loan Agreement or the Agency Deed of Trust; and (iii) concurrently with the recordation of each amendment to the Agency Deed of Trust adding as collateral to the Mortgaged Property, any such Agency Supplemental Collateral Lands as acquired by the Agency, the Agency shall provide the City with an endorsement of the CLTA lender's policy of title insurance described in Section 4(b )(iii), including such Agency Supplemental Collateral Lands. The Agency shall give the City at least thirty (30) days prior notice of the intention of the Agency to draw funds under Loan-A following the initial disbursement, and each disbursement of Loan-A following the initial disbursement shall be in increments of at least Two Hundred Thousand Dollars ($200,000). (d) Upon ninety (90) days prior notice given at any time prior to the approval by the Agency of the Developer Grant Agreement as set forth in Section 9 of this Loan Agreement, the City may terminate its obligation to provide the Agency with any further disbursement of the proceeds of Loan-A. If the City has terminated its obligation to make any further disbursement of the proceeds of Loan-A to the Agency, the City may also direct the Agency to sell the Agency Lands, or any portion thereof, as the subject to the Agency Deed of Trust, in accordance with the written instruction of the City. Upon such sale of the Agency Lands, the lien of the Agency Deed of Trust as to such Agency Lands as sold in accordance with the written instruction of the City, shall be released and reconveyed, and the proceeds realized by the Agency from such sale of the Agency Lands (net of the costs of such sale) shall be used and applied by the Agency to repay the then outstanding balance of Loan-A. 4815-4167'{)656.2 8 6128106 ct P:\Agendas\Agenda AnachmtRll\Agrnn-.Amcnd 2006\07.24-06 2006 CoopcnIion Loan ~.Ardcn Guthrie,doc e e e (e) All of the conditions set forth in Section 4(b) shall have been satisfied by a date no later than July 1, 2007, and after such date, the City shall have no further obligation to make available or to disburse to the Agency the proceeds of Loan-A hereunder, and the determination by the Executive Director and the Mayor that the conditions precedent in this Section 4 have been satisfied shall be conclusive. (f) The Executive Director is authorized and directed to execute such ancillary loan security documents as HUD may reasonably request to evidence the collateral assignment by the City of Note-A to HUD as additional security for the repayment by the City of the 2006 HUD Section 10S Loan. Section 5. Protection of Security of Al!encv Pledl!ed Funds to the City for the Repavment of Loan-A. (a) The Agency hereby agrees to take all reasonable action to protect any of the security pledged to the City for the repayment of Loan-A. (b) For so long as any unpaid balance of Loan-A may exist, the Agency further agrees and covenants to enforce the rights ofthe Agency under the Developer Grant Agreement. Section 6. Annual Al!encv Site Sales Tax Pavments. (a) For the purposes of this Section 6, certain terms and phrases are defined as follows: . Accounting Year means and refers to the twelve (12) calendar month time period commencing on the first calendar day of the month in which the Project Completion Date occurs, and thereafter each successive twelve ~12) calendar month period, with the last Accounting Year ending on the eighteenth (IS' ) anniversary of the first day of the first Accounting Year. . Annual Agency Site Sales Tax Payment means and refers to a sum of money payable by the City to the Agency each Accounting Year in quarterly installments following the Project Completion Date, which shall be determined each Accounting Year by the Agency in accordance with the following formula: (i) for each of the first two Accounting Years: an amount determined by the Agency for each of such Accounting Years as eighty percent (SO%) of the amount of local sales and use taxes as paid and remitted to the City by the State of California during the twelve (12) calendar month period preceding the first day of the particular Accounting Year, under Revenue and Taxation Code Section 7200 et seq. (as may hereafter be amended, substituted or modified by any successor local sales and use tax law) on the gross taxable retail sales receipts of all business conducted on the Site; and (ii) for each of the third through the eighteenth Accounting Years, inclusive: an amount determined by the Agency for each of the Accounting Years as one half (\I,) of the amount oflocal sales and use taxes as paid and remitted to the City by the State of California during the twelve (12) calendar month period preceding 4815-4167.0656.2 6/28106 c, P:\Agendas\Agenda Attacl1mcnts\AamU-Amend 2006'-.07-24-06 2006 Coopc:nltion Loan AgrwmeN-Arden Guthrie.doc 9 e e e the first day of the particular Accounting Year under Revenue and Taxation Code Section 7200 et seq., on the gross taxable retail sales receipts of all businesses conducted on the Site. (b) Subject to the terms and conditions of this Agreement, the City hereby agrees to provide the Agency with the Annual Agency Sales Tax Payments in the following amounts: Accounting Year I 80% of retail sales attributable to the Project Site Accounting Year 2 80% of retail sales attributable to the Project Site Accounting Year 3 through Accounting Year 18, inclusive 50% of retail sales attributable to the Project Site (c) The City shall pay the first Annual Agency Site Sales Tax Payment on June 30, next following the date on which the Project Completion Date occurs and each June 30, thereafter. The City shall have no obligation to pay any Annual Agency Site Sales Tax Payment to the Agency until such time as the Project Completion Date has occurred. (d) The City and the Agency each acknowledge, understand and intend that the obligation of the City to pay each Annual Agency Site Sales Tax Payment to the Agency each Accounting Year during the term of this Loan Agreement shall constitute a current expense of the City. The obligation of the City to provide such payments to the Agency in each fiscal year during the term of this Agreement is a general obligation of the City, subject to annual appropriation by the City. Furthermore, the obligation of the City to the Agency to make Annual Agency Site Sales Tax Payments each Accounting Year as arise under this Loan Agreement shall not in any way be construed to be a debt of the City in contravention of any applicable constitutionally restriction of the State of California concerning the creation of indebtedness by the City. Section 7. Al!encv Grant Assistance Revenues. (a) Subject to the terms and conditions of this Agreement, the City agrees to provide the Agency Grant Assistance Revenues of the Agency each year during the term of this Loan Agreement. The City shall disburse the proceeds of the Agency Grant Assistance Revenues to the Agency in an amount determined by the Agency as provided in Section 7(b), in annual installments commencing on the first day of August following the initial disbursement of the proceeds of Loan-A to the Agency, and on each August I, thereafter until Loan-A is repaid in full to the City. (b) The annual Agency Grant Assistance Revenue payment by the City to the Agency shall be calculated each year during the term ofthis Loan Agreement by applying the following formula: (A) - (B + C + D) = annual Agency Grant Assistance Revenue Payment from the City to the Agency A = the amount of principal and interest due the City under Note-A following such annual calculation between August I and the following July 31; B = Annual Agency Site Tax Payment realized by the Agency from the Project Site during the Agency fiscal year preceding such annual calculation; 4815-4167'()6S6.2 10 6/28106 ct P:\Agendas\Apw.ta Altachmerlls\Agnm-Amend 2lJ061D7-24-06 2006 Coopention Loan AJrecmtnt-Arden Gutlric.doc: e e e C = Annual Agency Site Sales Tax Payment realized by the Agency from the Project Site during the Agency fiscal year preceding such annual calculation; and D = any sums of money realized by the Agency from the Developer as Developer Grant Agreement Revenues during the Agency fiscal year preceding such annual calculation; The Agency shall perform the calculation as set forth above as of July 15 of each year during the term of this Loan Cooperation Agreement, with the first such calculation being performed by the Agency on July 15 next following the initial disbursement of the proceeds of Loan-A by the City to the Agency. On any calculation date in which the sum of the Agency Site Tax Increment Payment plus the Annual Agency Site Sales Tax Payment realized by the Agency during the year preceding such calculation is equal to or exceeds the amount of principal and interest due under Loan-A, the City shall have no duty or obligation to pay the Agency any Agency Grant Assistance Revenues corresponding to that year during the term of this Loan Agreement. (c) The City and the Agency each acknowledge, understand and intend that the obligation of the City to pay each annual payment of Agency Grant Assistance Revenues to the Agency each year during the term of this Loan Agreement shall constitute a current expense of the City. The obligation of the City to provide such payments to the Agency in each fiscal year during the term of this Loan Agreement is a general obligation of the City, subject to annual appropriation by the City. Furthermore, the obligation of the City to the Agency to make such payments of Agency Grant Assistance Revenues each year as arise under this Loan Agreement shall not in any way be construed to be a debt of the City in contravention of any applicable constitutionally restriction of the State of California concerning the creation of indebtedness by the City. Section 8. Expenditure of Proceeds of Loan-A bv the Al!encv. All expenditures of the proceeds of Loan-A by the Agency shall conform with the applicable provisions of the HUD Section 108 Loan Covenants applicable to the Project as set forth in Exhibit "F". Section 9. Selection of Developer and Developer Grant Al!reement. (a) The Agency shall identify a qualified Developer to undertake the Developer Project. The selection of the Developer and the approval of the terms of the Developer Grant Agreement by the Agency shall be subject to the separate review and approval by the Mayor and Common Council as provided in this Section 9 of this Loan Agreement. (b) The Mayor and Common Council shall not approve the Developer Grant Agreement unless the Mayor and Common Council shall have found that: (i) the Developer Grant Agreement contains a covenant of the Developer that the completed Developer Project shall have a minimum assessed valuation for ad valorem property tax purposes upon completion of the Developer Project of at least $17 Million; (ii) the Developer shall provide the Agency with Project Completion Surety in a form reasonably acceptable to the Mayor and Common Council; (iii) the Developer Grant Agreement provides the Agency with a Project Profit Participation Fee payable to the Agency in the event that the Developer may sell or otherwise hypothecate or refinance its interest in the Developer Project which is fair, just and reasonable to the Agency; 48IS-4167.c6S6.2 II 6128106 ct P:I.AJcndaI\Agcnda Attaclunenu\Apnn-Amend 2006\07-24-06 2006 Coopcnlion Loan Agrccmcnt.Arden OuIhr1c.dol: e e e (iv) that the Developer Grant Agreement contains all of the applicable provisions of the HUD Section 108 Loan Covenants applicable to the Developer Project as set forth in Exhibit "F"; and (v) that the Mayor and Common Council have made the findings in support of the Developer Project and the Developer Grant Agreement as set forth in Health and Safety Code Section 33433. (c) Upon the full execution of the Developer Grant Agreement by the parties thereto, and the satisfaction of all conditions precedent by the Developer and the Agency for the transfer of the Agency Lands to the Developer, the City shall execute a release and reconveyance of the security interest of the City in all of the "Mortgaged Property" as this term is defined in the Agency Deed of Trust. Such release of the security interest of the City in the Agency Lands shall include both the Agency Collateral Lands and the Agency Supplemental Collateral Lands. (d) Concurrently, upon the release and reconveyance of the Agency Deed of Trust, the Agency shall execute and deliver to the City the Collateral Assignment by the Agency to the City of the Developer Grant Agreement Security Documents substantially in the form attached hereto as Exhibit "G-I" and the Agency shall acknowledge its consent to the delivery by the City to the Secretary of HUD of the Borrower Security Agreement and Collateral Assignment of Documents substantially in the form attached hereto as Exhibit "G-2". Section 10. Further Assurances of the Al!encv. The Agency shall adopt, make, execute and deliver to the City all such further resolutions, instruments and assurances as may be reasonably necessary to carry out the intention of this Loan Agreement. Section 11. Amendment. (a) This Loan Agreement may be amended by the parties hereto but insofar as an amendment may affect Loan-A at any time when the City may owe HUD any sum under the City Section 108 Loan such an amendment shall require the concurrence ofHUD. (b) The Agency hereby covenants that it shall not approve any amendment to the 2003 Redevelopment Cooperation Agreement, unless concurrently therewith, the Agency shall deliver an approving legal opinion addressed to the City and to HUD in a form acceptable to the City, which states that such an amendment to the 2003 Redevelopment Cooperation Loan Agreement does not reduce or impair the pledge of the tax increment revenues of the NDA to the Agency thereunder. Section 12. Waiver of Personal Liability. No member, officer, agent or employee of the Agency shall be individually or personally liable for the payment of the principal of or interest on Note-A; but nothing herein contained shall relieve any such member, officer, agent or employee from the performance of any official duty provided by law. Section 13. Payment of Business Davs. Whenever, in this Loan Agreement, any amount is required to be paid on a day which is not a business day of the City, such payment shall be required to be made on the business day of the City immediately following such day. 4815-4167-ll656.2 12 6128/06 ct P:\AsmdaJ\Agenda AuaclunmblAgmu-Amcnd 2006\07-24-06 2006 Coopcntion Loan AgRiemcnt-Ardcn Outhric.doc; e e e Section 14. Notices. All written notices to be given under this Loan Agreement shall be given by first class mail or personal delivery or by telecopier and promptly confirmed by mail, to the party entitled thereto at its address set forth below, or at such address as the party may provide to the other party in writing from time to time. Notice shall be effective 48 hours after deposit in the United States mail, postage prepaid or, in the case of personal delivery to any person, upon actual receipt at the address set forth below: To the Agency: Redevelopment Agency of the City of San Bernardino Attention: Executive Director 201 North "E" Street, Suite 301 San Bernardino, California 92401 To the City: City of San Bernardino Attention: Mayor 300 North "D" Street 6th Floor , San Bernardino, California 92418 Section 15. Partial Invaliditv. If any Section, paragraph, sentence, clause or phrase of this Loan Agreement shall for any reason be held illegal, invalid or enforceable, such holding shall not affect the validity of the remaining portions of this Loan Agreement. The Agency hereby declares that it would have adopted this Loan Agreement and each and every other section, paragraph, sentence, clause or phrase hereof irrespective of the fact that anyone or more Sections, paragraphs, sentences, clauses, or phrases of this Loan Agreement may be held illegal, invalid or unenforceable. Section 16. Governinl! Law. This Loan Agreement shall be construed and governed in accordance with the laws of the State. Section 17. Ril!hts of the Secretary of HUD. This Loan Agreement is part of the "City Section 108 Loan Collateral" as this term is defined in the City Section 108 Loan Agreement (HUD Section 108 Loan Contract No. B-03-MC-06-0539). Pursuant to the provisions of paragraph 15U of that certain Contract for Loan Guarantee assistance under Section 108 of the Housing and Community Development Act, of 1974, as amended (the "HUD Section I 08 Loan Agreement") by and between the [City] and the Secretary of Housing and Urban Development (the "Secretary"), the [City] shall deliver [a collateral assignment of the City's interest in payments under Note-A] in original, fully executed form to the "Custodian" (as this term is defined in the HUD Section 108 Loan Agreement). Paragraph 15U of the HUD Section 108 Loan Agreement provides in relevant part: "The Secretary may complete the endorsement of the Obligor Note [e.g.: the Promissory Note from the City to HUD] and record the assignments referred to in paragraph 15(e) and thereby effectuate the transfer of the documents referenced and underlying indebtedness [e.g., the City Section 108 Loan Collateral] from the Borrower [e.g.: the City] to the Secretary or the Secretary's assignee." Paragraph l5U of the HUD Section 108 Loan Agreement further provides: "The Borrower [e.g., the City] agrees that it shall promptly notify the Secretary [ofHUD] in writing upon the occurrence of any event which constitutes a default (an "Event of Default") under (and as defined in) any of the Security Documents, as defined in paragraph 15U [e.g., 4815-4167~56.2 13 6128106 ct P:\AgendaslAJenda AllaChmtnts\AamU-Amend 2006\07-24-06 2006 CoopcraIion Loan ~.Ardcn Guthrie.<b: e the City Section 108 Loan Collateral). Notification of an Event of Default shall be delivered to the Secretary [ofHUD] as directed in paragraph 12(f) above. Upon the occurrence of an Event of Default, the Secretary [ofHUD] may (without prior notice or hearing, which Borrower [e.g., the City] hereby expressly waives), in addition to (and not in lieu of) exercising any and all remedies that may be available under the Security Documents [e.g., the City Section 108 Loan Collateral] declare the [HUD] Note in Default and exercise any and all remedies available under paragraph 12. This paragraph 15U shall not affect the right of the Secretary [ofHUD] to declare the [HUD] Note in Default pursuant to paragraph II and to exercise in connection therewith any and all remedies available under paragraph 12." The Agency acknowledges and agrees that this Loan Agreement is and shall be enforceable by the Secretary of HUD against the Agency upon the completion of the endorsement by the Secretary of HUD of the $7,500,000 City Promissory Note; provided however, that the Secretary of HUD shall have no obligation to pay any sum to the Agency under Section 6 of this Loan Agreement as an Annual Agency Site Sales Tax Payment. IN WITNESS WHEREOF, the undersigned officers of the parties have executed this Loan Agreement as of the date indicated next to the signatures of each of them. . CITY City of San Bernardino e Date: e Patrick J. Morris, Mayor roved as to Form: AGENCY Redevelopment Agency of the City of San Bernardino Date: Maggie Pacheco, Executive Director Approved as to Form and Legal Content: V Agj CflL= Agency sel 4815-4167-0656.2 14 6128106 ct P:\Agcndas\Agenda Attachmcnlll.AgrTds.Amend 2006\07-24-06 2006 Cooperation Lo8n AgRemcnl.Arden Guthrie.doc e e e EXHIBIT "A" Vicinity Map of Project Site (Description of Arden-Guthrie Neighborhood Lands) 4815-4167~656.2 IS 6/28/06 ct P:\Agendas\Agenda Anachments\AJI1It5-Amend 2006\07-24-06 2006 CooperaIion Loan Agrcemenl-Ardcn Guthrie.doc e anU8AV U8p.IV JlII.IJS acp03MaN I " . , ,." . , . ~ "" > , . , ~. ". - .' .,,,,- ," , . -...,., '" ..". JaaJJS a!J4P19 e o ~ ~ o z ,. c l! i!' ~ t:. " ~ <i <: "' ~ {J 0 0 ~ w "- n. 'E S! w '" l'l .. 1i ~ !!< U) ~ S! m l' <l ll. w oI!! " 0 ~ .3 c ~ 0 ~ 'E ~ m .8 t 'f; i"i l'l 0 Z ll. W !!< c ::J .., 81 . . ... C Z <(W - za::: WJ: CI- a:::::> <(0 ~ ~ 'r\ ~ ..., ~ ~ .., <'! ~ <-, c; c ',. ~ o 6 ~ ~ n. e ll. ,. "" " m '" U) [J ~ :E:!!! ....rJ '" D::J;l O~ Z~ e e e EXHIBIT "B" Description of the Project (To be identified as part ofa subsequent Developer Grant Agreement between the Agency and the Developer) 4815-4167-0656.2 16 6/28/06 cl P:\Agendas\Aaenda Attachments\AgmU-Amend 2006\01-24-06 2006 Cooperation Loan Apement-An.tr:n Guthrie.doe e e e EXHIBIT "C" Listing of Agency Lands (See attached map) 4815-4167-()656.2 17 6128/06 ct P:\Agcindas\Agenda Attacbments\AgmU-Amend 2O()6W7-24-06 2006 Cooperation Loan Agreement-Arden Guthrie.doc e anuaAV U1Jp.ay lIJIl.llS acpooMIIN I', -,',""" , . , . : or c: ~': ,-_", , " ., " \ _' _., ", J " ~IJJJS ap'Ilne e Q ~ ~ o z 'W ~ !!' '" ~ ~ ,!2 a: 0- J!) <C [l Cl 0 W ~ 8 -' 'E .l2 0 ,9- ~ .. '!l ~ '" U) ~ .l2 ~ ~ 'i 0- J!) 011 ~ ~ .3 ~ ~ 0 ~ 'E ~ m -8 " ,~ i"l l'l 0 Z 0- W ~ ~ => ... 81 . . .... o Z <Cw - ZO::: WJ: 01- O::::J <CC> ~ ~ '" -<:; ~ '\;;-. :;] 11 ./:l <-, -;;; ~ '~ ~ o 6 o ~ ~ ~ 0- ;; >l!l ]! U) B ::J:f;j 1-" 0::'" O~ Z~ e e e EXHIBIT "D" Form of $7,500,000 Note-A Payable to the City (On file with Agency Secretary) 4815-4167-0656.2 18 6128/06 cl P:\Agendas\Agenda Attachmenu\Apnn-Amend 2006\07-24-06 2006 Coopcralion Loan Agreemenl.Arden Guthrie.doc e e e EXHIBIT "E" Form of Agency Deed of Trust (On file with Agency Secretary) 4815-4167-0656.2 6/28106 ct P:\AsCndas\Agenda Attachment5\Agmu-Amend 2006\07-24-06 2006 Cooperation Loan ~.Arden Guthrie,do\:; 19 e e e EXHIBIT "F" HUD Section 108 Loan Covenants Applicable to the Project (24 CFR Part 570 conditions and assurances) (On file with Agency Secretary) 4815-4167-0656.2 20 6/28/06 ct P:\Agendas\Agenda Attachments\Agmu-Amend 2006\07-24-06 2006Coopcraticm Loan Agreement-Arden Guthrie.doc e e e EXHIBIT "G-I " Collateral Assignment by the Agency to the City of the Developer Grant Agreement Security Documents (On file with Agency Secretary) 4815-4167-0656.2 21 6/28/06 ct P:\Agcndas\Agcnda Anachmc:nlS\Agmu-Amend 2006\07-24-06 2006 Cooperation Loan Agreement-Arden GutIvic.doc e e e EXHIBIT "0-2" Borrower Security Agreement and Collateral Assignment of Documents (On file with Agency Secretary) 48IS-4167-ll6S6.2 22 6128/06 ct P:\Ajendas\Aaenda Artachmentsl.Agmu-Amcnd 2006\07.24.06 2006 Coopendion Loan ~1.Ankn Guthril::.doc e e e u.s. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT CONTRACT FOR LOAN GUARANTEE ASSISTANCE UNDER SECTION 108 OF THE HOUSING AND COMMUNITY DEVELOPMENT ACT OF 1974, AS AMENDED, 42 U.S.C. 55308 Date of Contract This Contract for Loan Guarantee Assistance ("Contract") is entered into City of San Bernardino, California, as Borrower (the "Borrower"), and the Secretary of Housing and Urban Development ("Secretary"), as guarantor for the Guarantee made pursuant to section 108 ("Section 108") of title I of the Housing and Community Development Act of 1974, as amended (the "Act") and 24 CFR Part 570, Subpart M, of the promissory note executed contemporaneously herewith and numbered B-03-MC-06-0539, in the Maximum Commitment Amount of $7,500,000, and any amended note or note issued in substitution for such note and having the same note number (the "Note"). This is the first Contract under the Funding Approval ("Commitment") of the same number, which was approved by the Secretary on January 28, 2005. The funds paid or credited to the account of the Borrower pursuant to the Note are referred to herein as the "Guaranteed Loan Funds." The Note (including the Fiscal Agency Agreement and the Trust Agreement as defined in Section I.A. of the Note and incorporated therein) is hereby incorporated into the Contract. Terms used in the Contract with initial capital letters and not otherwise defined in the text hereof shall have the respective meanings given thereto in the Note. The Fiscal Agency Agreement and the Trust Agreement are sometimes collectively referred to herein as the "Fiscal Agency/Trust Agreements," and the Fiscal Agent and the Trustee respectively are sometimes collectively referred to as the "Fiscal Agent/Trustee." PART I A. The Note: Advances and Records. The Note provides that Advances and Conversion Date Advances shall be made thereunder upon the written request of the Borrower and the approval of the Secretary, pursuant to this Contract and the Fiscal Agency Agreement. The Commitment Schedule attached to the Note represents the principal repayment schedule for the Maximum Commitment Amount of the Note. At all times, the total amount of all Advances and Conversion Date Advances under the Note for all Principal Due Dates shall not exceed the Maximum Commitment Amount of the Note. Prior to the Conversion Date (as defined in the Note, Section I.A.), the total amount of Advances made by the Holder for each Principal Due Date under the Note shall not exceed the applicable Commitment Amount for such Principal Due Date set forth in the Commitment Schedule of the Note. Prior to the Conversion Date, the Borrower agrees that the Fiscal Agent pursuant to the Fiscal Agency Agreement shall record the date 2 e and amount of each payment and Advance under the Note and shall maintain the books and records of all Advances and Conversion Date Advances for each Principal Due Date, interest rates on Advances, payments, and Principal Amounts outstanding for each Principal Due Date. On and after the Conversion Date, the Borrower agrees that the Trustee pursuant to the Trust Agreement will maintain the books and records of all payments on the Note and all Principal Amounts and interest rates on such Principal Amounts (each as to be set forth on Schedule P&I to the Note). No advances of any kind may be made on the Note after its Conversion Date. e B. Borrower's Requests for Advances. All requests for Advances or Conversion Date Advances by the Borrower under the Note shall: be in writing; specify the amount of the Advance requested; identify the Note by Borrower, number and Maximum Commitment Amount; be addressed to the Secretary at the address for notices specified in paragraph l2(f) of this Contract; be signed by an authorized official of the Borrower; and otherwise be in the form prescribed by the Secretary. Advances and Conversion Date Advances shall be requested and will only be approved and made in increments of not less than $1,000 for any Principal Due Date. A request for an initial Advance under a Note, or a request for a Conversion Date Advance, shall be received by the Secretary at least ten Business Days prior to the Borrower's proposed Funding Date or Conversion Date, as applicable. All other requests for Advances shall be received by the Secretary not less than five Business Days prior to the proposed Funding Date. The Borrower may not deliver a Note or a request for an Advance or Conversion Date Advance to the Secretary more than two calendar months prior to the Borrower's proposed Funding Date. At least two Business Days prior to the proposed Funding Date or Conversion Date if the Borrower's request was timely received, or the next available Funding Date for which the request was timely received, the Secretary shall, except as otherwise provided in paragraph ll(c) or 12 hereof, deliver a.corresponding Authorization Order or Advance Order (as applicable) to the Fiscal Agent in accordance with Section 2.03 or 2.04 of the Fiscal Agency Agreement for the applicable Funding Date or Conversion Date. If the Borrower requests an Advance or Conversion Date Advance of less than the outstanding Maximum Commitment Amount under the Note, the Borrower may also specify in its written request the amount of the Advance or Conversion Date Advance to be allocated to each Commitment Amount or Principal Amount per Principal Due Date under the Note. If the Borrower does not specify how the Advance or Conversion Date Advance should be allocated among Commitment Amounts/Principal Due Dates, the Borrower hereby authorizes the Secretary to direct the Fiscal Agent to allocate the Advance to the respective Commitment Amounts or Principal Amounts in order of the earliest Principal Due Date(s) . e e e e 3 C. Conversion; Public Offerig. On the Conversion Date (if any), trust certificates backed by the Note (and similar notes issued by other Section 108 borrowers) will be purchased for a purchase price of the full principal amount thereof by underwriters selected by the Secretary (the "Underwriters") pursuant to an Underwriting Agreement between the Underwriters and the Secretary, at a closing on such Conversion Date as determined by the Secretary and the Underwriters. The Borrower agrees that the interest rate at which the trust certificate of a specified maturity is sold to the Underwriters shall govern the interest rate inserted on the Conversion Date in Schedule P&I of the Note for the Principal Amount of corresponding maturity. D. Consents. By execution of this Contract, the Borrower ratifies and consents to the Secretary's selection of the Underwriters and authorizes the Secretary to negotiate with the Underwriters the terms of the Underwriting Agreement and of the public offering of interests in the trust certificates to investors (including the applicable interest rates). In addition, by execution hereof the Borrower ratifies and consents to the Secretary's selection of the Fiscal Agent/Trustee and agrees to the respective terms of the Fiscal Agency/Trust Agreements. If Advances have been made in the Maximum Commitment Amount of the Note not less than ten Business Days prior to the proposed Conversion Date, or if the Borrower requests a Conversion Date Advance, the Borrower authorizes the Secretary to deliver Schedule P&I to the Note completed in accordance herewith to the Fiscal Agent/Trustee on the Conversion Date in accordance with the Fiscal Agency/Trust Agreements, concurrent with delivery of the Secretary's Guarantee of the trust certificates at the closing on the Conversion Date, and thereafter the Note shall be enforceable in accordance with its terms including Schedule P&I. In addition, the Secretary reserves the right to notify the Borrower not less than one calendar month in advance of a specified Conversion Date that the Note will be sold to the Underwriters on such date, if the Secretary in his sole discretion determines that market conditions or program needs require the participation in the proposed public offering of all or substantially all Borrowers with outstanding Advances. e e e 4 PART II 1. Receipt, Deposit and Use of Guaranteed Loan Funds. (a) Except for funds deducted on the Conversion Date pursuant to paragraph 4(b) and fees and charges deducted by the Fiscal Agent/Trustee pursuant to paragraph 4(a), the Guaranteed Loan Funds shall be electronically transferred in accordance with the Borrower's instructions for deposit in a separate, identifiable custodial account (the "Guaranteed Loan Funds Account") with a financial institution whose deposits or accounts are Federally insured. The Guaranteed Loan Funds Account shall be established and designated as prescribed in the attached form document entitled "Letter Agreement for Section 108 Loan Guarantee Program Custodial Account" (Attachment 1) and shall be continuously maintained for the Guaranteed Loan Funds. Such Letter Agreement must be executed when the Guaranteed Loan Funds Account is established. (A fully executed copy of such Letter Agreement shall be submitted to the Secretary within thirty days of its execution.) The Borrower shall make withdrawals from said account only for payment of the costs of approved Section 108 activities, for transfer to the Loan Repayment Account or for the temporary investment of funds pursuant to this paragraph l(a). Such temporary investment of funds into the Guaranteed Loan Funds Investment Account shall be required within three Business Days after the balance of deposited funds exceeds the amount of the Federal deposit insurance on the Guaranteed Loan Funds Account. At that time, any balance of funds in the Guaranteed Loan Funds Account exceeding such insurance coverage shall be fully (100%) and continuously invested in Government Obligations, as defined in paragraph 10 hereof, held in the Guaranteed Loan Funds Investment Account. All temporary investments, whether or not required as above, shall be limited to Government Obligations having maturities that are consistent with the cash requirements of the approved activities. In no event shall the investments mature on or after October 31, 2007, or have maturities which exceed one year. All such investments shall be held in trust for the benefit of the Secretary by the above financial institution in an account (the "Guaranteed Loan Funds Investment Account") established and designated as prescribed in the attached form document entitled "Letter Agreement for Section 108 Loan Guarantee Program Custodial Investment Account" (Attachment 2), which account shall be maintained for all Government Obligations purchased with funds from the Guaranteed Loan Funds Account. The Guaranteed Loan Funds Investment Account need only be established if and when the Borrower is required to invest, or otherwise invests, the Guaranteed Loan Funds in Government Obligations. Such Letter e e e 5 Agreement must be executed when the Guaranteed Loan Funds Investment, Account is established. (A fully executed copy of such Letter Agreement shall be submitted to the Secretary within thirty days of its execution.) All proceeds and income derived from such investments shall be returned to the Guaranteed Loan Funds Account. All funds in the Guaranteed Loan Funds Account or the Guaranteed Loan Funds Investment Account must be withdrawn and disbursed by the Borrower for approved activities by October 31, 2007. Any funds remaining in either Account after this date shall be immediately transferred to the Loan Repayment Account established pursuant to paragraph 6 of this Contract. (b) The Borrower shall by the fifteenth day of each month provide the Secretary with a written statement showing the balance of funds in the Guaranteed Loan Funds Account and the withdrawals from such account during the preceding calendar month, and a statement identifying the obligations and their assignments in the Guaranteed Loan Funds Investment Account. (c) Upon the Secretary giving notice that the Borrower is in Default under this Contract or the Note, all right, title, and interest of the Borrower in and to the Guaranteed Loan Funds and Guaranteed Loan Funds Investment Accounts shall immediately vest in the Secretary for use in making payment on the Note, purchase of Government Obligations in accordance with paragraph 10, or payment of any other obligations of the Borrower under this Contract or the Fiscal Agency/Trust Agreements. 2 . Payments Due on Note; Final Payment and Discharge. The Borrower shall pay to the Fiscal Agent/Trustee, as collection agent for the Note, all amounts due pursuant to the terms of the Note. In accordance with the Note and the Fiscal Agency/Trust Agreements, payment shall be made by 3:00 P.M. (New York City time) on the seventh Business Day (the "Note Payment Date") preceding the relevant Interest Due Date or Principal Due Date (each as defined in the Note). If any Note Payment Date falls on a day that is not a Business Day, then the required payment shall be made on the next Business Day. Payment may be made by check or wire transfer. Upon final payment of all amounts due to Holders under the Note, including any payment made by the Secretary pursuant to the Guarantee, the Fiscal Agent/Trustee is required by the Fiscal Agency/Trust Agreements to return the Note to the Secretary. Upon final payment to the Secretary of any amounts due as a result of Guarantee Payments or otherwise due under this Contract, the Secretary will cancel and return the Note to the Borrower in discharge of the Borrower's obligations under the Note. e e e 6 3. Selection of New Fiscal Agent or Trustee. The Secretary shall select a new Fiscal Agent or Trustee if the Fiscal Agent or Trustee resigns or is removed by the Secretary. The Borrower hereby consents in advance to any such selection and to any changes in the Fiscal Agency/Trust Agreements agreed to by any Fiscal Agent or Trustee and the Secretary, subject to paragraph 4(e) of this Contract. 4. Payments Due Fiscal Agent or Trustee; Documents to the Secretary. (a) The Borrower agrees to pay the fees of the Fiscal Agent as required by Exhibit G to the Fiscal Agency Agreement, and any additional amounts that may be due pursuant to Section 6.01 of the Fiscal Agency Agreement. If not paid by the Borrower by any other means prior thereto, the Borrower agrees that any such fees or additional amounts that have been incurred prior to an Advance or a Conversion Date Advance may be deducted by the Fiscal Agent/Trustee from the proceeds of the Advance or Conversion Date Advance, as applicable. (b) The Borrower agrees to pay the Borrower's share, as determined by the Secretary, of the customary and usual issuance, underwriting, and other costs related to the public offering and future administration of the Note and the trust certificates, as approved by the Secretary, including the cost of reimbursement and/or compensation of the Trustee pursuant to the Trust Agreement, including Sections 3.11 and 7.01 thereof. In connection with the public offering on the Conversion Date, such payment shall either be made by wire transfer to the Trustee on the day prior to the Conversion Date or shall be deducted from the Guaranteed Loan Funds on the Conversion Date. (c) The Borrower shall submit to the Secretary not later than ten Business Days prior to the Funding Date for the initial Advance hereunder, or if not submitted earlier, prior to any Conversion Date or Public Offering Date applicable to the Note, this executed Contract, the executed Note, a request for an Advance or a Conversion Date Advance (as applicable) in proper form, and an opinion acceptable to the Secretary from the Borrower's counsel to the effect that: (i) the governing body of the Borrower has authorized by resolution or ordinance, in accordance with applicable State and local law, the issuance of the Note and the execution of this Contract; (ii) the Note and this Contract are valid, binding, and enforceable obligations of the Borrower; (iii) the pledge of funds pursuant to 24 CFR 570.705(b) (2) and paragraph 5(a) of this Contract is valid and binding; and (iv) there is no outstanding litigation that will affect the validity of the Note or this Contract. In addition, the Borrower shall submit any other additional documents or opinions specifically e e e 7 required by this Contract (e.g., paragraph 5(c), or paragraph 15, et seg.), at the time required thereby. (d) The Borrower agrees to reimburse the Underwriters upon demand by the Secretary for the Borrower's share, as determined by the Secretary, of all reasonable out-of-pocket expenses (including reasonable fees and disbursements of counsel) incurred in connection with a proposed public offering, if the Underwriters incur such additional costs for the public offering because of any refusal, inability, or failure on the part of the Borrower timely to submit in acceptable form any document required by this Contract (including paragraph 4(c)), or because of any withdrawal by the Borrower from the public offering, after the Borrower has submitted a request for a Conversion Date Advance hereunder. By execution and delivery of this Contract to the Secretary, the Borrower hereby expressly authorizes the Secretary to pay amounts due under this paragraph from funds pledged under paragraph 5(a) of this Contract. (e) The undertakings in paragraphs 3 and 4 of this Contract are expressly subject to the requirement that the Fiscal Agency/Trust Agreements shall in no event require payment of fees or charges, reimbursement of expenses, or any indemnification by the Borrower from any source other than funds pledged pursuant to paragraphs 5 or 15 et seg. of this Contract. 5. security. The Borrower hereby pledges as security for repayment of the Note, and such other charges as may be authorized in this Contract, the following: (a) All allocations or grants which have been made or for which the Borrower may become eligible under Section 106 of the Act, as well as any grants which are or may become available to the Borrower pursuant to Section 108(q). (b) Program income, as defined at 24 CFR 570.500(a) (or any successor regulation), directly generated from the use of the Guaranteed Loan Funds. (c) Other security as described in paragraph 15, et seg. (d) All proceeds (including insurance and condemnation proceeds) from any of the foregoing. (e) All funds or investments in the accounts established pursuant to paragraphs 1 and 6 of this Contract. 6. Loan Repayment Account. (a) All amounts pledged pursuant to paragraphs 5(b), 5(c), and 5(d) of this Contract shall be deposited immediately on e e e 8 receipt in a separate identifiable custodial account (the "Loan Repayment Account") with a financial institution whose deposits or accounts are Federally insured. The Loan Repayment Account shall be established and designated as prescribed in the attached form document entitled "Letter Agreement for Section 108 Loan Guarantee Program Custodial Account" (Attachment 1) and shall be maintained for such pledged funds. The Loan Repayment Account need only be established if and when the Borrower receives amounts pledged pursuant to paragraph 5(b), 5(c) or 5(d). Such Letter Agreement must be executed when the Loan Repayment Account is established. (A fully executed copy of such Letter Agreement shall be submitted to the Secretary within thirty days of its execution.) Borrower shall make withdrawals from said account only for the purpose of paying interest and principal due on the Note (including the purchase of Government Obligations in accordance with paragraph 10 hereof), for payment of any other obligation of the Borrower under this Contract or the Fiscal Agency/Trust Agreements, or for the temporary investment of funds pursuant to this paragraph, until final payment and discharge of the indebtedness evidenced by the Note, unless otherwise expressly authorized by the Secretary in writing. Such temporary investment of funds shall be required within three Business Days after the balance of deposited funds exceeds the amount of the Federal deposit insurance on the Loan Repayment Account. At that time, the balance of funds in the Loan Repayment Account exceeding such insurance coverage shall be fully (100%) and continuously invested in Government Obligations, as defined in paragraph 10 hereof. All temporary investments, whether or not required as above, shall be limited to Government Obligations having maturities that are consistent with cash requirements for payment of principal and interest as required under the Note. In no event shall the maturities of such investments exceed one year. All such investments shall be held in trust for the benefit of the Secretary by the above financial institution in an account (the "Loan Repayment Investment Account") established and designated as prescribed in the attached form document entitled "Letter Agreement for Section 108 Loan Guarantee Program Custodial Investment Account" (Attachment 2), which account shall be maintained for all Government Obligations purchased with funds from the Loan Repayment Account. Such Letter Agreement must be executed when the Loan Repayment Investment Account is established. (A fully executed copy of such Letter Agreement shall be submitted to the Secretary within thirty days of its execution.) All proceeds and income derived from such investments shall be returned to the Loan Repayment Account. (b) Borrower shall by the fifteenth day of each month, provide the Secretary with a written statement showing the e e e 9 balance of funds in the Loan Repayment Account and the deposits and withdrawals of all funds in such account during the preceding calendar month and a statement identifying the obligations and their assignments in the Loan Repayment Investment Account. (c) Upon the Secretary giving notice that the Borrower is in Default under this Contract or the Note, all right, title, and interest of the Borrower in and to the Loan Repayment and Loan Repayment Investment Accounts shall immediately vest in the Secretary for use in making payment on the Note, purchase of Government Obligations in accordance with paragraph 10, or payment of any other obligation of the Borrower under this Contract or the Fiscal Agency/Trust Agreements. 7. Use of CDBG or EDI/BEDI Funds for Repayment. Any funds available to the Borrower under Section 106 of the Act (including program income derived therefrom) are authorized to be used by the Borrower for payments due on the Note, Optional Redemption (as defined in the Note), payment of any other obligation of the Borrower under this Contract or the Fiscal Agency/Trust Agreements, or the purchase of Government Obligations in accordance with paragraph 10. Any funds specifically available to the Borrower for such payments or as a debt service reserve under an EDI/BEDI Grant Agreement pursuant to Section 108(q) of the Act which supports the eligible project(s) and activities financed by the Note may also be used therefor; any other use of Section 108(q) funds for such purposes shall require the prior written approval of the Secretary. Unless otherwise specifically provided herein or unless otherwise expressly authorized by the Secretary in writing, the Borrower shall substantially disburse funds available in the Loan Repayment or the Loan Repayment Investment Accounts before funds from grants under Section 106 of the Act are withdrawn from the U.S. Treasury for such purposes. 8. Secretary's Right to Restrict Use of CDBG Funds to Repayment. Upon a determination by the Secretary that payments required by paragraph 2 and/or paragraph 4 of this Contract are unlikely to be made as specified, the Secretary may give the Borrower notice that the availability to the Borrower of funds pledged under paragraph 5(a) of this Contract for purposes other than satisfaction of the pledge is being restricted. This restriction shall be in an amount estimated by the Secretary to be sufficient to ensure that the payments referred to in paragraph 2 and/or paragraph 4 hereof are made when due. This restriction may be given effect by conditioning the restricted amounts to prohibit disbursement for purposes other than satisfaction of the pledge at the time such restricted funds are approved as grants, by limiting the Borrower's ability to draw down or expend the restricted funds for other purposes, and by disapproving payment requests submitted with respect to such grants for purposes other than satisfaction of the pledge. e e e 10 9. Secretary's Right to Use Pledged Funds for Repayment. The Secretary may use funas pledged under paragraph 5(a) of this Contract or funds restricted under grants pursuant to paragraph 8 of this Contract to make any payment required of the Borrower under paragraph 2 and/or paragraph 4, if such payment has not been timely made by the Borrower. 10. Defeasance. For purposes of this Contract, after the Conversion Date the Note shall be deemed to have been paid (defeased) if there shall have been deposited with the Trustee either moneys or Government Obligations (as defined below), which in the sole determination of the Secretary, mature and bear interest at times and in amounts sufficient, together with any other moneys on deposit with the Trustee for such purpose, to pay when due the principal and interest to become due on the Note. The Aggregate Principal Amount of the Note or any unpaid Principal Amount may be so defeased, in whole or in part, as of any Interest Due Date, or any other Business Day acceptable to both BUD and the Borrower. In accordance with the Note and the Trust Agreement, the Borrower shall give timely notice and written instructions to the Secretary and the Trustee concerning any principal amounts proposed to be defeased, including any Optional Redemptions proposed, which instructions shall be approved by the Secretary. If the unpaid Aggregate Principal Amount of the Note guaranteed pursuant to this Contract shall be defeased and deemed to have been paid in full, then the Borrower shall be released from all agreements, covenants, and further obligations under the Note. "Government Obligation" means a direct obligation of, or any obligation for which the full and timely payment of principal and interest is guaranteed by, the United States of America, including but not limited to, United States Treasury Certificates of Indebtedness, Notes and Bonds - State and Local Government Series or certificates of ownership of the principal of or interest on direct obligations of, or obligations unconditionally guaranteed by, the United States of America, which obligations are held in trust by a commercial bank which is a member of the Federal Reserve System and has capital and surplus (exclusive of undivided profits) in excess of $100,000,000. 11. Default. (a) A Default under the Note and this Contract shall occur upon failure by the Borrower to: (i) pay when due an installment of principal or interest on the Note; or (ii) punctually and properly perform, observe, and comply with any covenant, agreement, or condition contained in: (A) this Contract, (B) any security agreement, deed of trust, mortgage, assignment, guarantee, or other contract securing payment of indebtedness evidenced by the Note, or (C) any future e e e 11 amendments, modifications, restatements, renewals, or extensions of any such documents. (b) The Borrower waives notice of Default and opportunity for hearing with respect to a Default under paragraph 11(a). (c) In addition to Defaults under paragraph 11(a), the Secretary may declare the Note in Default if the Secretary makes a final decision in accordance with the provisions of section 111 of the Act and 24 CFR 570.913 (or any successor provisions), including requirements for reasonable notice and opportunity for hearing, that the Borrower has failed to comply substantially with title I of the Act. Notwithstanding any other provision, following the giving of such reasonable notice, the Secretary may, in the Secretary's sole discretion pending the Secretary's final decision, withhold the guarantee of any or all obligations not yet guaranteed on behalf of the Borrower under outstanding commitments, suspend approval of any further Advances or Conversion Date Advances under the Note, and/or direct the Borrower's financial institution to: refuse to honor any instruments drawn upon, or withdrawals from, the Guaranteed Loan Funds Account or the Loan Repayment Account initiated by the Borrower, and/or refuse to release obligations and assignments by the Borrower from the Guaranteed Loan Funds Investment Account or the Loan Repayment Investment Account. 12. Remedial Actions. Upon a Default or declaration of Default under this Contract, the Secretary may, in the Secretary's sole discretion, take any or all of the following remedial actions: (a) with any funds or security pledged under this Contract, the Secretary may: (i) continue to make payments due on the Note, (ii) make a prepayment under Section I.D. of the Note or make an acceleration payment with respect to the principal amount of the Note subject to Optional Redemption as provided in Section III of the Note, (iii) purchase Government Obligations in accordance with paragraph 10 of this Contract, (iv) pay any interest due for late payment as provided in the Note, this Contract, or the Fiscal Agency/Trust Agreements, (v) pay any other obligation of the Borrower under this Contract or the Fiscal Agency/Trust Agreements, and/or (vi) pay any reasonable expenses incurred by the Secretary or the Fiscal Agent/Trustee as result of the Borrower's Default. (b) The Secretary may withhold the guarantee of any or all obligations not yet guaranteed or the disbursement of any or all grants not yet disbursed in full under outstanding guarantee commitments or grant approvals for the Borrower under Sections 108 and/or 106 of the Act. (c) The Secretary may withhold approval of any or all further Advances or Conversion Date Advances under the Note (if 12 e applicable); direct the Borrower's financial institution to refuse to: honor any instruments drawn upon, or withdrawals from, the Guaranteed Loan Funds Account or the Loan Repayment Account by the Borrower, and/or to release obligations and assignments by the Borrower from the Guaranteed Loan Funds Investment Account or the Loan Repayment Investment Account; and/or direct the Borrower and/or the Borrower's financial institution to transfer remaining balances from the Guaranteed Loan Funds Account to the Loan Repayment Account. (d) Until the Conversion Date, or with respect to amounts subject to Optional Redemption, the Secretary may accelerate the Note. (e) The Secretary may exercise any other appropriate remedies or sanctions available by law or regulation applicable to the assistance provided under this Contract, or may institute any other action available under law to recover Guaranteed Loan Funds or to reimburse the Secretary for any payment under the Secretary's Guarantee or any reasonable expenses incurred by the Secretary as a result of the Default. e (f) All notices and submissions provided for hereunder shall be in writing (including by telex, telecopier or any other form of facsimile communication) and mailed or sent or delivered, as to each party hereto, at its address set forth below or at such other address as shall be designated by such party in a written notice to the other party hereto. All such notices and other communications shall be effective when received as follows: (i) if sent by hand delivery, upon delivery; (ii) if sent by mail, upon the earlier of the date of receipt or five Business Days after deposit in the mail, postage prepaid; (iii) if sent by telex, upon receipt by the sender of an answer back; and (iv) if sent by telecopier, upon receipt. The Secretary: U.S. Dept. of Housing and Urban Development Attention: Paul Webster, Director Financial Management Division 451 7th Street SW, Room 7180 Washington, DC 20410 Borrower: e City of San Bernardino, California Attn: Maggie Pacheco, Director San Bernardino Redevelopment Agency 201 North E Street, #301 San Bernardino, CA 92401 e e e 13 13. Limited Liability. Notwithstanding any other provision of this Contract, the Fiscal Agency/Trust Agreements or the Note, any recovery against the Borrower for any liability for amounts due pursuant to the Note, the Fiscal Agency/Trust Agreements or this Contract shall be limited to the sources of security pledged in paragraph 5 or any Special Conditions of this Contract. Neither the general credit nor the taxing power of the Borrower, or of the State in which the Borrower is located, is pledged for any payment due under the Note, the Contract, or the Fiscal Agency/Trust Agreements. 14. Incorporated Grant Agreement. The Contract and the Note are hereby incorporated in and made a part of the Grant Agreement authorized by the Secretary on July 18, 2003 under the Funding Approval for grant number B-03-MC-06-0539 to the Borrower. In carrying out activities with the Guaranteed Loan Funds hereunder, the Borrower agrees to comply with the Act and 24 CFR Part 570, as provided in Subpart M thereof. 15. Special Conditions and Modifications: (a) Paragraph 5(c) of the Contract is amended by deleting the paragraph as written in its entirety and substituting therefor the following: "(c) Other security, consisting of any and all rights, titles, and interests of the Borrower in and to: (i) A pledge of the Annual Grant Assistance Revenues provided by the Borrower to the Redevelopment Agency of San Bernardino (the "Subrecipient") as described in Attachment 3 (the 'Grant Assistance Revenues') and as further described in the Redevelopment Cooperation Loan Agreement between the Borrower, as "City," and the Subrecipient, as 'Agency' ("the Cooperation Loan Agreement"). (ii) A pledge of the Annual Agency Site Sales Tax Payments available to the Subrecipient as described in Attachment 4 (the 'Sales Tax Payments'), and as further described in the Cooperation Loan Agreement. (iii) A pledge of the Annual Agency Site Tax Increment revenues and receipts available to the Subrecipient as described in Attachment 5 (the 'Tax Increment Revenues'). and as further described in the Cooperation Loan Agreement. The pledge of the Grant Assistance Revenues, the Sales Tax Payments, and the Tax Increment Revenues, (collectively referred to as "Pledged Revenues") shall be pursuant to a pledge, assignment and security agreement (the 'Pledge, 14 e Assignment and Security Agreement'), which shall be in a form acceptable to the Secretary." (b) Guaranteed Loan Funds shall be used by the Borrower to make a loan to the Redevelopment Agency of San Bernardino (the "Subrecipient") for the following activities in connection with the Arden-Guthrie Redevelopment proiect (the "Project"): (i) site acquisition, pursuant to 24 CFR 570.703{a); (ii) residential relocation assistance, pursuant to !l570. 703 (d) ; (iii) demolition and clearance, pursuant to !l570.703(e); e The Subrecipient loan shall be evidenced by a promissory note (the "Subrecipient Note") and a loan agreement (the "Subrecipient Loan Agreement"), which Subrecipient Note and Subrecipient Loan Agreement shall be in a form acceptable to the Secretary. At the discretion of the Borrower, the terms of the Subrecipient Loan Agreement may be included in the text of the Cooperation Loan Agreement. The amount of principal and/or interest payable under the Subrecipient Note during the twelve-month period beginning July 1 of each year and ending on June 30 of the next succeeding year shall be equal to or greater than the amount of principal and/or interest payable under the Note for the corresponding period. The Subrecipient Note shall not be subject to redemption or prepayment earlier than the earliest possible redemption date under the terms of the Note. (c) In order to secure the payment and performance of the secured obligations of the Subrecipient to the Borrower, the Borrower shall obtain the following collateral (collectively, the "Collateral"): e (i) A first priority lien on the real property described in Attachment 6 hereof (the "Property"), established through an appropriate and properly recorded Deed of Trust (the "Subrecipient Deed of Trust" or "Deed of Trust"). The Subrecipient Deed of Trust shall be subject to release and reconveyance (in whole or in part) prior to the maturity date under the Subrecipient Note at such time as the Subrecipient conveys fee title in the Property to the third party developer entity (the "Developer") identified in the Property Disposition and Development Agreement (the "Development Agreement") described in subparagraph (c) (iv) below. The Subrecipient Deed of Trust 15 e shall contain such other provisions as the Secretary deems necessary. (ii) Any and all rights, titles, and interests of the Subrecipient in and to any leases covering the Property. Such rights, titles, and interests of the Subrecipient shall be the subject of a collateral assignment of leases and rents (the "Collateral Assignment of Leases and Rents"), which shall be in a form acceptable to the Secretary. The Collateral Assignment of Leases and Rents shall be subject to release (in whole or in part) prior to the maturity date of the Subrecipient Note at such time as the Subrecipient conveys the Property to the Developer identified in the Development Agreement identified in subparagraph (c) (iv), below e (iii) Any and all rights, titles, and interests of the Subrecipient in and to any licenses, permits, and other agreements covering the Property. Such rights, titles, and interests shall be the subject of a collateral assignment of interest in licenses, permits, and other agreements (the "Collateral Assignment of Interest in Licenses, Permits and Agreements"), which shall be in a form acceptable to the Secretary. The Collateral Assignment of Interest in Licenses, Permits and Agreements shall be subject to modification following its initial delivery by the Subrecipient in a form acceptable to the Secretary, in order to acknowledge the collateral assignment to the Secretary by the Subrecipient of the Subrecipient security interest in the Developer Completion Surety, identified in subparagraph (c) (iv), below. e (iv) Any and all of the right, title and interest of the Subrecipient in the Property Disposition and Development Agreement (the "Development _ Agreement") by and between the Subrecipient and a third party developer entity (the nDeveloper") who shall commit to the Subrecipient under the terms and conditions of the Development Agreement to undertake a specific program of reuse and redevelopment of the Property as part of the Project. The Development Agreement shall contain such Project completion and Developer performance sureties in favor of the Subrecipient as acceptable to the Subrecipient (collectively, nDeveloper Completion Surety"). The Development Agreement and the Developer Completion Surety shall contain: 16 e (A) a financial commitment of the Developer enforceable by the Subrecipient that the new buildings and improvements constructed on the portion of the Project undertaken by the Developer shall have a minimum assessed valuation for ad valorem property tax purposes of not less than Seventeen Million Dollars ($17,000,000); (B) that the building improvements on the portion of the Project undertaken by the Developer shall be substantially completed within twenty four (24) months following the date of transfer of the Property by the Subrecipient to the Developer; (C) a financial covenant of the Developer in favor of the Subrecipient that the retail sales and use taxes generated by businesses situated in the Project which are payable to the City shall be an amount each year which is not less for the applicable year than the amount of estimated Sales Tax Payments to the City shown in Attachment 4; e (D) other financial commitments of the Developer acceptable to the Subrecipient, including without limitation, new building construction completion surety of the Developer in favor of the Subrecipient; (E) an express acknowledgment by the Developer that the Developer Completion Surety and the financial performance rights of the Subrecipient under the Development Agreement shall be assigned by the Subrecipient as collateral to the Borrower and the Secretary for the repayment of the Subrecipient Note. The final form of the amendment or modification of the Collateral Assignment of Interests in License, Permits and Agreements, which is to include the collateral pledge of Developer Completion Surety by the Subrecipient to the Borrower within the scope of the collateral assignment of security interests to the Secretary, shall be in form and substance acceptable to the Secretary. e (v) Such other alternative collateral or security arrangements as may be requested by the Borrower and approved by the Secretary in writing. 17 e (d) The Borrower shall select a financial institution acceptable to the Secretary (the "Custodian") to act as custodian for the documents specified in (e) below (hereinafter referred to as the "Security Documents"). The Borrower and the Custodian shall enter into a written agreement containing such provisions as the Secretary deems necessary. A fully executed copy of such agreement, with original signatures, shall be forwarded to the Secretary contemporaneously with the delivery of documents pursuant to (e) below. (e) Not later than five business days after the initial disbursement of the Guaranteed Loan Funds to the Subrecipient, the Borrower shall deliver to the Custodian the following: (i) The original Subrecipient Note, endorsed in blank and without recourse. (ii) The original Subrecipient Loan Agreement and a collateral assignment thereof to the Secretary, which assignment shall be in a form acceptable to the Secretary. e (iii) The original recorded Deed of Trust signed by the Subrecipient and an assignment thereof to the Secretary, in a recordable form but unrecorded, which assignment shall be in a form acceptable to the Secretary. (iv) The original recorded Collateral Assignment of Leases and Rents and an assignment thereof to the Secretary, in a recordable form but unrecorded, which assignment shall be in a form acceptable to the Secretary. (v) The original Collateral Assignment of Interest in Licenses, Permits, and Agreements and a collateral assignment thereof to the Secretary, which assignment shall be in a form acceptable to the Secretary. (vi) An opinion of the Borrower's counsel on its letterhead, addressed and satisfactory to the Secretary, that: e (A) The Subrecipient is duly organized and validly existing as a public body under the laws of the State of California and is in good standing in and under the laws of the State of California; (B) The Subrecipient Note has been duly executed and delivered by a party authorized by the 18 e Subrecipient to take such action and is a valid and binding obligation of the Subrecipient, enforceable in accordance with its terms, except as limited by bankruptcy and similar laws affecting creditors generally; and (C) The security instruments specified in (ii) through (v) above are valid and legally binding obligations, enforceable in accordance with their respective terms. To the extent that the foregoing opinion deals with matters customarily within the due diligence of counsel to the Subrecipient, Borrower's counsel may attach and expressly rely on an opinion of Subrecipient's counsel satisfactory to the Secretary. e (vii) A mortgagee title policy, issued by a company and in a form acceptable to the Secretary, naming the Borrower as the insured party. The policy must either include in the definition of the "insured" each successor in ownership of the indebtedness secured by the Deed of Trust or be accompanied by an endorsement of the policy to the Secretary. (viii) If required by the Secretary, a certified survey with a legal description conforming to the title policy and the Deed of Trust. (ix) An appraisal of the fee simple ownership interest in the Property specifying an estimate of fair market value of not less than $4,300,000. The appraisal shall be completed by an appraiser who is certified by the state and has a professional designation (such as "SRA" or "MAl"), and shall conform to the standards of the Financial Institutions Reform, Recovery and Enforcement Act of 1989 ("FIRREA"). (x) Any instruments, documents, agreements, and legal opinions required pursuant to paragraph l5(c) (v). (f) Not later than five (5) business days after the Subrecipient has transferred its interest in the Property to the Developer under the Development Agreement, the Borrower shall deliver to the Custodian the following: e (i) An appraisal of the completed improved value of the Project to be undertaken by the Developer pursuant to the Development Agreement specifying 19 e an estimate of fair market value of such portion of the Project as being not less than Seventeen Million Dollars ($17,000,000). The appraisal shall be completed by an appraiser who is certified by the state and has a professional designation (such as "SRA" or "MAl") and shall conform to the standards of the Financial Institutions Reform, Recovery and Enforcement Act of 1989 ("FIRREA"). (ii) The modification of the Collateral Assignment of Interest in Licenses, Permits and Agreements by and between the Borrower and the Subrecipient which includes the collateral pledge to the Borrower of the Developer Completion Surety. e (iii) An opinion of the Borrower's counsel on its letterhead, addressed and satisfactory to the Secretary, that the obligations of the Developer as arise in favor of the Subrecipient under the Development Agreement, including without limitation, the Developer Completion Surety, are valid and legally binding obligations of the Developer and that the Developer Completion Surety may be lawfully assigned by the Subrecipient to the Borrower and to the Secretary. (iv) An opinion of the Borrower's counsel on its letterhead, addressed and satisfactory to the Secretary, that: (A) At the time of the execution of the Development Agreement the Subrecipient remains duly organized and validly existing as a public body under the laws of the State of California and is in good standing in and under the laws of the State of ,California; (B) The Development Agreement has been duly executed and delivered by a party authorized by the Subrecipient to take such action and is a valid and binding obligation of the Subrecipient, enforceable in accordance with its terms, except as limited by bankruptcy and similar laws affecting creditors generally; and e (C) The security instruments identified as the Developer Completion Surety are valid and legally binding obligations, enforceable in accordance with their respective terms. e (g) e 20 To the extent that the foregoing opinions deal with matters customarily within the due diligence of counsel to the Developer or the Subrecipient, Borrower's counsel may attach and expressly rely on an opinion of counsel to the Developer or Subrecipient satisfactory to the Secretary. (i) Subject to compliance each year with applicable debt limitation requirements of the State Constitution, the Borrower pledges to provide to the Subrecipient the Grant Assistance Revenues, as described in paragraph IS(a), Attachment 3, and the Cooperation Loan Agreement, each year during the term of the Note (the "Borrower Pledge"). Borrower shall disburse the proceeds of the Grant Assistance Revenues to the Subrecipient in an amount determined by the Subrecipient as provided in Section 7 of the Cooperation Loan Agreement, in annual installments until the Subrecipient Loan is repaid in full to the City. The obligation of the City to provide such payments to the Subrecipient in each fiscal year is a current obligation of the Borrower, subject to annual appropriation by the City. The Borrower Pledge shall be in effect for the full term of the Note and shall be described and authorized in an Ordinance or Resolution of the Borrower's legislative body. (ii) The Borrower shall deliver to the Secretary contemporaneously with the delivery of this Contract and the Note: (A) A copy of the Ordinance or Resolution describing and authorizing the Borrower Pledge, and (B) An opinion of Borrower's counsel on its letterhead, addressed and satisfactory to the Secretary, that the Ordinance or Resolution provided by the Borrower is a valid and legally binding obligation of the Borrower. (h) Paragraph 12 is amended by adding at the end thereof the following language: e "(g) The Secretary may complete the endorsement of the Subrecipient Note and record the assignments referred to in paragraph IS(e) and thereby effectuate the transfer of the documents referenced and underlying indebtedness from the Borrower to the Secretary or the Secretary's assignee. 21 e "(h) The Secretary may exercise or enforce any and all other rights or remedies (including any and all rights and remedies available to a secured party under the Uniform Commercial Code) available by law or agreement (including any of the Security Documents, as defined in paragraph 15(d) against the Collateral, against the Borrower, against the Subrecipient, or against any other person or property. " e (i) The Borrower agrees that it shall promptly notify the Secretary in writing upon the occurrence of any event which constitutes a default (an "Event of Default") under (and as defined in) any of the Security Documents, as defined in paragraph 15(d). Notification of an Event of Default shall be delivered to the Secretary as directed in paragraph l2(f) above. Upon the occurrence of an Event of Default, the Secretary may (without prior notice or hearing, which Borrower hereby expressly waives), in addition to (and not in lieu of) exercising any and all remedies that may be available under the Security Documents, declare the Note in Default and exercise any and all remedies available under paragraph 12. This paragraph shall not affect the right of the Secretary to declare the Note in Default pursuant to paragraph 11 and to exercise in connection therewith any and all remedies available under paragraph 12. (j) The Borrower shall deliver to the Secretary contemporaneously with the delivery of this Contract and the Note: (i) an original copy of the Pledge, Assignment and Security Agreement; and, (ii) an opinion of Borrower's counsel on its letterhead, addressed and satisfactory to the Secretary, that the Pledge, Assignment and Security Agreement is a valid and legally binding obligation, enforceable in accordance with its terms. (k) Additional Grounds for Default. Restriction of Pledqed Grants. Remedial Actions. Notice of Default. Availability of Other e (i) The Borrower acknowledges and agrees that the Secretary's guarantee of the Note is made in reliance upon the availability of grants pledged pursuant to paragraph 5(a) (individually, a "pledged Grant" and, collectively, the "Pledged Grants") in any Federal fiscal year subsequent to the Federal fiscal year ending September 30, 2006 to: (A) pay when due the payments to become due on e e e 22 the Note, or (B) defease (or, if permitted, prepay) the full amount outstanding on the Note. The Borrower further acknowledges and agrees that if the Secretary (in the Secretary's sole discretion) determines that Pledged Grants are unlikely to be available for either of such purposes, such determination shall be a permissible basis for any of the actions specified in paragraphs (ii) and (iii) below (without notice or hearing, which the Borrower expressly waives) . (ii) Upon written notice from the Secretary to the Borrower at the address specified in paragraph 12(f) above that the Secretary (in the Secretary's sole discretion) has determined that Pledged Grants are unlikely to be available for either of the purposes specified in (A) and (B) of paragraph (i) above (such notice being hereinafter referred to as the "Notice of Impaired Security"), the Secretary may limit the availability of Pledged Grants by withholding amounts at the time a Pledged Grant is approved or by disapproving payment requests (drawdowns) submitted with respect to Pledged Grants. (iii) If after 60 days from the Notice of Impaired Security the Secretary (in the Secretary's sole discretion) determines that Pledged Grants are still unlikely to be available for either of the purposes specified in (A) and (B) of paragraph (i) above, the Secretary may declare the Note in Default and exercise any and all remedies available under paragraph 12. This paragraph (iii) shall not affect the right of the Secretary to declare the Note and/or this Contract in Default pursuant to paragraph 11 and to exercise in connection therewith any and all remedies available under paragraph 12. (iv) All notices and submissions provided for hereunder shall be submitted as directed in paragraph 12(f) above. (1) Part II, Paragraph 1(a) of the Contract is" amended by deleting the fourth and last sub-paragraph as written in its entirety and substituting therefore the following: "All funds in the Guaranteed Loan Funds Account or the Guaranteed Loan Funds Investment Account must be withdrawn and disbursed by the Borrower for approved activities by October 31, 2007; provided however, that in the event that the Subrecipient may not have entered into a Development Agreement with the 23 e Developer, as each of these terms is defined in paragraph 15(c) (iv), by a date not later than December 31, 2006, then in such event, the Borrower shall not thereafter disburse any other funds from the Guaranteed Loan Funds Account or the Guaranteed Loan Funds Investment Account without first obtaining the written consent of the Secretary. Any funds remaining in either Account after December 31, 2006, if applicable, or in all events after October 31, 2007, shall on the next business day immediately following such applicable date, be transferred to the Loan Repayment Account established pursuant to paragraph 6 of this Contract." [Rest of Page Intentionally Left Blank] e e e e e 24 THE UNDERSIGNED, as authorized officials on behalf of the Borrower or the Secretary, have executed this Contract for Loan Guarantee Assistance, which shall be effective as of the date of execution hereof on behalf of the Secretary. City of San Bernardino, CA BORROWER BY: (Signature) (Name) (Title) (Date) SECRETARY OF HOUSING AND URBAN DEVELOPMENT BY: (Signature) Nelson R. Breqan (Name) General Deputy Assistant Secretary for Community Planning and Development (Title) (Date) e Attaclunent 3 Grant Assistance Revenues Description to be provided by Borrower e e e Attaclunent 4 Sales Tax Payments Description to be provided by Borrower e e e Attachment 5 Tax Increment Revenues Description to be provided by Borrower e e e Attachment 6 Real property subject to lien Legal description to be provided by Borrower e e ** FOR OFFICE USE ONLY - NOT A PUBLIC DOCUMENT ** RESOLUTION AGENDA ITEM TRACKING FORM \:k Item # R'JLP A Resolution # '&- Abstain '-~ .;tObb -21 \ Absent 3'ftJ Vote: Nays Change to motion to amend original documents 0 Companion Resolutions NulVVoid After: days / Resolution # On Attachments: 0 Note on Resolution of attachment stored separately: 0 PUBLISH 0 POST 0 RECORD W/COUNTY 0 By: Date Sent to Mayor: ~oeo Date of Mayor's Signature: /d..lj () (P Date ofClerk/CDC Signature: 7/cJ1/ O(p Reso. Log Updated: ~ Seal Impressed: 0 Reso. # on Staff Report ~ Date Memo/Letter Sent for Signature: I" Reminder Letter Sent: Date Returned: 2nd Reminder Letter Sent: Not Returned: 0 Request for Council Action & Staff Report Attached: Updated Prior Resolutions (Other Than Below): Updated CITY Personnel Folders (6413,6429,6433,10584,10585,12634): Updated CDC Personnel Folders (5557): Updated Traffic Folders (3985, 8234,655,92-389): Yes NO~ By_ Yes N1 By_ Yes No By_ Yes No By_ Yes No~ By_ Copies Distributed to: Animal Control 0 EDA 0 City Administrator ~ Facilities 0 City Attorney Finance ~ Code Compliance 0 Fire Department 0 Development Services 0 Human Resources 0 Others: Notes: Information Services 0 Parks & Recreation 0 Police Department 0 Public Services 0 Water Department 0 Ready to File: ~ Date: Revised 12/18/03 ** FOR OFFICE USE ONLY - NOT A PUBLIC DOCUMENT ** RESOLUTION AGENDA ITEM TRACKING FORM Meeting Date (Date Adopted): ~ Item # Vote: AyesIJ:lJ\t~(P'+1NayS l) Change to motion to amend original documents 0 NulVVoid After: days / Resolution # On Attachments: 0 PUBLISH 0 POST 0 R.?:>l; 6- .Resolution # Abstain ~ Companion Resolutions d-Dl) b - Xl 'J-- Absent 3 Note on Resolution of attachment stored separately: 0 RECORD W/COUNTY 0 By: Date Sent to Mayor: Date of Mayor's Signature: Date of Clerk/CDC Signature: Reso. Log Updated: ~ Seal Impressed: 0 Reso. # on Staff Report .ilQ Date Memo/Letter Sent for Signature: I" Reminder Letter Sent: Date Returned: 2nd Reminder Letter Sent: Not Returned: 0 Request for Council Action & Staff Report Attached: Updated Prior Resolutions (Other Than Below): Updated CITY Personnel Folders (6413, 6429, 6433,10584,10585,12634): Updated CDC Personnel Folders (5557): Updated Traffic Folders (3985, 8234,655, 92-389): Copies Distributed to: Animal Control 0 City Administrator 0 City Attorney M" Code Compliance 0 Development Services 0 Others: Yes No By_ Yes No By_ Yes No By_ Yes No By_ Yes No 4- By_ EDA 0 Information Services 0 Facilities 0 Parks & Recreation 0 Finance ~ Police Department 0 Fire Department 0 Public Services 0 Human Resources 0 Water Department 0 Notes: Ready to File: ~ Revised 12/18/03 Date: ** FOR OFFICE USE ONLY - NOT A PUBLIC DOCUMENT ** RESOLUTION AGENDA ITEM TRACKING FORM Resolution # n~ cue I.;LOD~- ~ J Absent 3 Meeting Date (Date Adopted): 1 \ ~L\ \ \)~ Item # - I \ \ \ 'i<'I Vote: Ayes4lA~.k.:iJ Nays L" Change to motion to amend original documents 0 Companion Resolutions Null/Void After: days / Resolution # On Attachments: 0 Note on Resolution of attachment stored separately: 0 PUBLISH 0 POST 0 RECORDW/COUNTY 0 By: Date Sent to Mayor: Date of Mayor's Signature: Date of Clerk/CDC Signature: Reso. Log Updated: ~ Seal Impressed: 0 Reso. # on Staff Report ~ Date Memo/Letter Sent for Signature: I" Reminder Letter Sent: ? l:J.f<j(Jb Date Returned: 2nd Reminder Letter Sent: Not Returned: 0 Request for Council Action & Staff Report Attached: Updated Prior Resolutions (Other Than Below): Updated CITY Personnel Folders (6413, 6429, 6433,10584,10585,12634): Updated CDC Personnel Folders (5557): Updated Traffic Folders (3985, 8234, 655, 92-389): Yes No By_ Yes No By_ Yes No By_ Yes No By_ Yes No By_ Copies Distributed to: ~ Animal Control 0 EDA Information Services 0 City Administrator 0 Facilities 0 Parks & Recreation 0 City Attorney 0 Finance 0 Police Department 0 Code Compliance 0 Fire Department 0 Public Services 0 Development Services 0 Human Resources 0 Water Department 0 Others: Notes: Ready to File: ~ Date: Revised 12/18/03 CITY OF SAN BERNARDINO Interoffice Memorandum CITY CLERK'S OFFICE Records and Information Management (RIM) Program DATE: July 28,2006 YOUR COPY TO: Wasana Chantha, Secretary Economic Development Agency FROM: Sandra Medina, Assistant to the City Clerk RE: Transmitting Documents for Signature - Resolution No. CDC12006-3l At the Mayor and Common Council meeting of July 24, 2006, the City of San Bernardino adopted Resolution No. CDC/2006-3l - Resolution approving and authorizing the Executive Director of the Redevelopment Agency of the City of San Bernardino ("Agency") to execute the 2006 Redevelopment Cooperation Loan Agreement by and Between the Agency and the City of San Bernardino - North Arden Guthrie Commercial Development Project (IVDA Redevelopment Project Area). Attached are one (1) agreement and two duplicate original agreements. Please obtain Maggie Pacheco's signature in the appropriate locations and return the original agreement as soon as possible, to Dodie Otterbein, Records Management Coordinator, City Clerk's Office. Please retain one duplicate agreement for your records and forward one to the other party. If you have any questions, please do not hesitate to contact Dodie Otterbein at ex!. 3215. Thank you. ~M fJv Sandra Medina ~ U . Assistant to the City Clerk owl~dge receipt of the above mentioned documents. Date: Please sign and return '-"rr"~.\ :"!'! ('Le: . 1'....-1 r\'..... -, .11 , y' '--' \....v_ "............ ... CITY OF SAN BERNARDINO ZOGu ^UG \1; r;: I{: 03 ECONOMIC DEVELOPMENT AGENCY INTER-OFFICE MEMORANDUM SUBJECT: Sandra Medina, Assistant to the City Clerk~ t Clerk's Office Wasana A. Chantha, Executive Secretary 'l\-J Executed Agreement - CDC/2006-31 TO: FROM: DATE: August 11,2006 Enclosed for your records is the fully executed Agreement that was approved by the Community Development Commission of the City of San Bernardino on July 24, 2006 pertaining to the following resolution: CDC/2006- 31 Resolution of the Community Development Commission of the City of San Bernardino approving and authorizing the Executive Director of the Redevelopment Agency of the City of San Bernardino ("Agency") to execute the 2006 Redevelopment Cooperation Loan Agreement by and between the Agency and the City of San Bernardino - North Arden Guthrie Commercial Development Project (IVDA Redevelopment Project Area). Should you have any questions, I can be reached at (909) 663-1044. Thank you. Enclosure cc: Barbara Lindseth (with Original Executed Agreement) Maggie Pacheco (with Original Executed Agreement) File