Loading...
HomeMy WebLinkAboutS05-Community Development Cll'- OF SAN BERNARbl~O - REQUIi~T FOR COUNCIL AC"""ON From: Kenneth J. Henderson, Director Subject: Approval of Loan Agreement with Veterans Alcoholic Rehabilitation Program (VARP) Dept: Community Development Date: December 17, 1987 ~CJ , Synopsis of Previous Council action: On June 16, 1986, the Mayor and Common Council approved a loan for VARP in the amount of $50,000.00 for rehabilitation of the Gibson House. On March 23, 1987, the Mayor and Common Council approved a change in the purpose of the VARP loan from rehabilitation to acquisition. Recommended motion: ADOPT RESOLUTION. Contact person: Kenneth J. Henderson/Nestor Nazario Phone: 5065 Supporting data attached: Staff Reoort Ward: 2 FUNDING REQUIREMENTS: Amount: $~n.nnn nn Source: (Acct, No.1 121-542-57425 (Acct. Descriotion) AC:;:::::ont!~~L- Council Notes: 75-0262 Agenda Item No. c;--~ CITe OF SAN BERNARDlr"? - REQUE~ FOR COUNCIL ACT))N STAFF REPORT In June, 1986, the Mayor and Common Council approved $50,000 in CDBG funds for the rehabilitation of the Gibson House at 1100 North "D" street. Because CDBG funds cannot be used to reimburse costs not incurred in connection with the CDBG- financed portion of a given project and in view of the fact VARP would have been unable to comply with the competitive bidding and Davis-Bacon provisions required as a result of CDBG assistance, VARP requested that the purpose of the financial assistance be changed to acauisition. On March 23, 1987, the Mayor and Common Council approved the VARP request changing the purpose of the loan from rehabil- itation to acquisition and conditioned its approval of loan disbursement upon the issuance of a certificate of Occupancy by the Department of Building and Safety. Because of the length of time associated with the rehabilita- tion of the Gibson House, various creditors, suppliers and vendors of VARP are requesting payment for services rendered. This situation is the primary reason VARP has requested disbursement of the loan proceeds into an escrow account. Representatives of VARP feel the pressure to pay these creditors, suppliers and vendors will lessen somewhat when VARP can demonstrate that funds are available for payment for services previously rendered. When the Mayor and Common Council took action on March 23, 1987, the disbursement of the loan proceeds was conditioned upon the issuance of a certificate of Occupancy by the Department of Building and Safety. In addition, the loan agreement requires certain actions or events to take place prior to fund disbursement and, to be written into the escrow instructions to be executed by all parties, as follows: 1. The City will deposit funds in an escrow account with a company of the City's choosing. 2. The escrow services company will write checks payable to the Community Development Department of San Bernardino for the actual cost of credit, title and appraisal reports. 3. The remaining loan proceeds will not be disbursed until such time as the escrow services company and City are assured that the city's interest is secured by a second deed of trust, and that the sum of the first and second deeds of trust does not exceed eighty percent (80%) of the appraised value of the property ($320,000), or $256,000. 12/17/87 75-0264 :.",....., .""" VARP STAFF REPORT December 17, 1987 Page -2- , 4. The remaining loan proceeds will not be disbursed until a Certificate of Occupancy has been issued to VARP by the Department of Building and Safety. The Mayor and Common Council should take note of the difference between the principal and interest monthly pay- ments ($358.21) and the principal, interest, taxes and insurance monthly payments ($986.21). Inasmuch as the loan amount exceeds $10,000 and in order to fully protect the city's interest, the tax and insurance costs are impounded monthly and added to the principal and interest payment. Attached to the staff report is a memorandum from the Community Development Loan Officer to me detailing the delinquent taxes on the two (2) parcels in questions. If the above conditions are approved by the Mayor and Common Council, I am satisfied that the City's interest will be adequately protected to the extent possible. This item was nlaced on the sunnlemental aaenda after consideration by the Mayor and Common Council's Ways and Means Committee on Mondav. December 14. 1987. The Committee directed that the item be brouaht before the Mayor and Common Council for consideration at its December 21. 1987 meetina. I recommend adoption of the resolution. i~J~b Director of Community Development KJH/lab/0657 12/17/87 ",..., .,,- C I T Y 0 F SAN B ERN A R DIN 0 TEROFFICE MEMORA 1M TO: FROM: SUBJECT: Kenneth J. Henderson, Director of Community Development Ken L. Florence, Loan Officer, Community Development IMPOUND REQUIREMENTS (VARP) DATE: COPIES: December 17, 1987 Nestor Nazario; File ------------------------------------------------------------------------------ The current yearly tax and insurance installments due on the 1100 North "0" Street property will require an impound account which collects $129.00 monthly for property taxes plus $499.00 monthly for property insurance. The insurance impound estimate is based upon the current year insurance premium amount x 105S, i.e. $5,700.00 x 105S = $5,985.00. $5,985.00 is divided by 12 and we arrive at a requirement of $499.00 per month for property insurance. The tax impound estimate is based upon last years total tax for both parcels approximated at $1,470.00, this amount is multiplied by 105S to arrive at $1,543.50, which is then divided by 12 to arrive at a monthly tax impound requirement of $129.00 per month. The subject property has two tax parcel numbers, APN 114005211 and APN 114005217. The breakdown of delinquent taxes currently owed on each parcel is stated below: Delinquent taxes in the amount of $2,225.25 are owed against parcel 114005211 at this time. $1,578.72 of this amount is for the 86/87 tax year, while the remaining $646.53 is owed for the 12/87 tax installment. For parcel 114005217, there exists $603.47 in delinquent back taxes for the 86/87 tax year plus $140.15 which was due on 12-10-87, for a total of delinquent taxes currently owing against this parcel of $743.62. In sum, the total of all delinquent taxes owing for both parcels is $2,968.87. ~ Ken l. Florence Loan Officer KLF/cmp p-. I.- ......,. -' _.",,- 1 RESOLUTION NUMBER 2 RESOLUTION OF THE CITY OF SAN BERNARDINO AUTHORIZING AND DIRECTING THE EXECUTION OF A LOAN AGREEMENT BETWEEN THE CITY OF 3 SAN BERNARDINO AND VETERAN'S ALCOHOLIC REHABILITATION PROGRAM, INC., FOR THE PURPOSE OF PURCHASING PROPERTY LOCATED AT 1100 4 NORTH "D" STREET, SAN BERNARDINO, CALIFORNIA. 5 6 7 8 BE IT RESOLVED BY THE MAYOR AND COMMON COUNCIL OF THE CITY OF SAN BERNARDINO AS FOLLOWS: SECTION 1. The Mayor of the city of San Bernardino is hereby authorized and directed to execute, on behalf of the City, 9 a loan agreement with Veterans Alcoholic Rehabilitation Program, 10 Inc., a copy of which loan agreement is annexed hereto as Exhibit 11 12 13 14 15 16 17 18 19 20 "1" and is incorporated herein by reference as though fully set forth at length. The agreement provides for the loaning of Community Development Block Grant funds in the following amount of $50,000.00. \ I HEREBY CERTIFY that the foregoing resolution was duly dopted by the and Common Council of the city of San Bernardino t a meeting thereof, held on the , 1987, by the following vote, to wit: day of Councilpersons AYES: 21 22 NAYES: 23 ABSENT: 24 25 26 27 28 1/// City Clerk ///1 -1- 12/17/87 ,. \.-. """,,,,. 1 2 The foregoing resolution is hereby approved this 3 day of , 1987. 4 5 Mayor, City of San Bernardino 6 Approved as to form and 7 legal content: 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 -2- 12/17/87 , -- 1 2 3 4 LENDER: 5 6 7 BORROWER: 8 9 ATTENTION: 10 11 REGARDING: 12 13 --, l,QAH ldiBI.I.HI.H~ Date: City of San Bernardino Community Development Dept. 300 North "D" street, 5th FIr. San Bernardino, CA 92418 Veterans Alcoholic Rehabilita- tion Program (VARP) 1100 North "D" Street San Bernardino, CA 92411 Ted McMorran, Executive Director, VARP Loan for Acquisition of Gibson House, 1100 North "D" street, San Bernardino, CA 92411 Bggi1!l1.2 14 1. The city of San Bernardino, a municipal corporation, 15 hereinafter referred to as "city", is entitled under the Housing 16 and Community Development Act of 1974, as amended, and the Code 17 of Federal Regulations, Chapter 24, Part 570, to receive 18 Community Development Block Grant funds from the united States 19 Department of Housing and Urban Development. The City wishes to 20 carry out the national objective of providing facilities for the 21 rehabilitation of veterans with alcohol-related problems. 22 The Veterans Alcoholic Rehabilitation Program, hereinafter 23 referred to as "VARP" is a California non-profit corporation 24 established to provide alcohol rehabilitation services to 25 veterans. 26 City has made available to VARP funds in the amount of 27 $50,000.00, for the purpose of funding the purchase of facilities 28 within which to provide alcohol rehabilitation services to EXHIBIT "1" 12/17/87 r'''''' '-" .....~.... 1 veteran.. 2 VARP wishes to borrow and city wishes to lend a total amount 3 of $50,000.00, for the purposes and under the terms which are 4 fully described in the entire Agreement hereunder. 5 NOW, THEREFORE, based on the foregoing Recitals, and on the 6 covenants, conditions, and promises contained herein, City and 7 VARP hereby acknowledge and agree as follows: 8 2. Loan bv Citv. 9 city agrees, subject to the terms and conditions of this 10 Agreement, and in consideration of the representation, covenants 11 and obligations of VARP contained in this entire Agreement, to 12 loan to VARP the total sum of $50,000.00, which has been 13 appropriated from the City'S Community Development Block Grant 14 and shall be used to finance the acquisition of real property and 15 improvements described in Exhibit "A" attached hereto and made a 16 part hereof as though fully set forth at length at this point. 17 3. Securitv and Source of PaYment: ReDavment. 18 The principal sum of $50,000.00, shall be secured by a second 19 trust deed on the property described in Exhibit "A". The sum of 20 the value of the first and second deeds of trust shall not exceed 21 eighty percent (80%) of the appraised value previously 22 established at $320,000, of the property described in Exhibit 23 "A". 24 25 26 27 28 a) VARP shall pay to the City, or its successors, the sum of $50,000.00, with interest on the unpaid amount from the date hereof, at the rate of six per centum (6%) per annum, until paid. Both principal and interest on this Note are payable on the First Day of Each Month in 240 consecutive monthly installments, -2- 12/17/87 /"'" '- 1""'" '-" /"' .-..,.) / 1 including both principal and interest, and commencing with a 2 first payment of $358.21 on February 1, 1988, in lawful money of 3 the United states of America at the principal office of the San 4 Bernardino Community Development Department, Fifth Floor, City 5 Hall, San Bernardino, California, 92418, or at such other place 6 as may from time to time be designated by the City. An 7 amortization schedule for said monthly payments is attached 8 hereto as Exhibit liB". 9 b) The amount of this loan exceeds $10,000.00, therefore, 10 the monthly payments set forth above include an estimated amount 11 necessary to pay taxes and fire insurance on the property. The 12 use of an impound account for this purpose is required by federal 13 regulations. The amount estimated for this purpose is $628.00 14 per month (total monthly payments for principal, interest, taxes 15 and insurance is $986.21). VARP agrees that, if the amount 16 required to cover advance payment of taxes and insurance 17 increases, VARP will pay, each month, such additional reasonable 18 amount as City may from time to time determine to be needed for 19 the purpose. If the City, in its sole discretion, determines 20 that it is necessary to make payment of taxes or to obtain 21 insurance to protect its interest in the security, the City may 22 do so and add the amount of such taxes or the cost of insurance 23 to the principal sum of the loan then outstanding at the time of 24 such payments. 25 c) This Agreement is secured by a Deed of Trust dated 26 December 21, 1987, duly filed for record in the office of the 27 County Recorder of the County of San Bernardino, State of 28 California. -3- 12/17 /87 ,..""'- \-..... . ~ "-" \........,1 1 d) VARP reserves the right to repay at any time all or any 2 part of the principal amount of this Agreement without the 3 payment of penalties or premiums. All payments on this Agreement 4 shall be applied first to property insurance, second to property 5 taxes, third to the interest due on the Agreement and then to the 6 principal due on the Agreement, and the remaining balance shall 7 be applied to late charges, if any. Except as provided below, 8 all monthly payments on this Agreement shall be credited as of 9 the due date thereof without adjustment of interest because paid 10 either before or after such due date. 11 4. Anti-Discrimination Provision. 12 VARP shall not discriminate against any participant or 13 employee as to participation in or employment by the Veterans 14 Alcoholic Rehabilitation Program because of race, color, 15 religion, sex, national origin, age or handicap. VARP shall take 16 affirmative action to ensure that participants and employees are 17 treated during such participation or employment, without regard 18 to their race, color, religion, sex, national origin, age or 19 handicap. Such action shall include, but not be limited to, the 20 following: employment upgrading, demotion or transfer, 21 recruitment or recruitment advertising, layoff or termination, 22 rates of payor other forms of compensation and selection for 23 training including apprenticeships and delivery of services. VARP 24 agrees to post in conspicuous places, available to employees, 25 applicants for employment, and program participants, notices 26 setting forth the provisions of this non-discrimination clause. 27 VARP shall, in all solicitations or advertisements for 28 participants or employees placed by or on behalf of VARP, state -4- 12/17/87 r~' '-' 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 r '-' ......"..., "",)' that all qualified participants or applicants will receive consideration for employment and proqram participation without regard to race, color, religion, sex, national origin, age or handicap. 5. Conditions to Lender Makina Loan. The obligation of the City to make any advances under this Agreement shall at all times be conditioned for the sole benefit of City upon: a) The execution of this Agreement by VARP and City; b) The receipt by city of such documents, certifications and opinions as may be reasonably satisfactory to city, evidencing that this Agreement, Exhibits, and all other documents initiated, given, or executed in connection herewith, are fully and validly executed by and on behalf of, and constitute the valid and enforceable obligations of VARP hereunder pursuant to the respective terms of each. And, such further assurances as may be required that the execution and delivery of this Agreement, Exhibits, and all other documents executed or given by VARP hereunder, and the respective obligors hereunder, will not breach or violate any articles or agreements of limited or general partnerships, any articles of incorporation, and by-law restrictions, or any law of governmental regulation. c) Notwithstanding the provisions of Section 5(b) above, City shall fund loan to VARP to acquire property more fully 25 described in Exhibit "A" as described herein under the following 26 conditions: 27 (1) City shall deposit funds in an escrow account with a 28 company of City's choosing. -5- 12/17/87 roo I - c ::) 1 (2) An escrow instruction shall be executed by the 2 parties setting forth that the cost of the appraisal of the 3 property described in Exhibit "A" shall be deducted from the loan 4 proceeds, with a check payable to the Community Development 5 Department forwarded to City. 6 (3) An escrow instruction shall be executed by the 7 parties setting forth that the cost of the credit report for VARP 8 shall be deducted from the loan proceeds, with a check payable to 9 the Community Development Department forwarded to City. 10 (4) An escrow instruction shall be executed by the 11 parties setting forth that the cost of the title report for the 12 property described in Exhibit "An shall be deducted from the loan 13 proceeds, with a check payable to the Community Development 14 Department and forwarded to City. 15 (5) An escrow instruction shall be executed by the 16 parties setting forth that the remaining loan proceeds shall not 17 be disbursed to VARP unless and until such time as the escrow 18 services company of City's Choosing and City are assured that 19 City'S interest is secured by a second deed of trust, and that 20 the sum of the first and second deeds of trust does not exceed 21 eighty percent (80%) of the appraised value ($320,000) of the 22 property described in Exhibit "A", or $256,000. 23 (6) An escrow instruction shall be executed by the 24 parties setting forth that the remaining loan proceeds shall not 25 be disbursed until such time as the escrow services company of 26 city's choosing and city are assured that the Department of 27 Building and Safety of the City of San Bernardino has issued to 28 VARP a Certificate of Occupancy. -6- 12/17/87 c I"'" '-' "'"'\ v 1 6. Obliaations of Borrower Hereunder Unconditional. 2 The obligations of VARP to make payments as required herein 3 shall be absolute and unconditional, and, until such time as the 4 principal of all funds forwarded to VARP shall have been fully 5 paid, VARP shall not terminate or suspend this agreement or 6 payment of any obligations provided hereunder or under any other 7 documents executed hereunder, or in connection herewith for any 8 cause. 9 7. Defaul t and Remedies. 10 a) Default. The failure by VARP to payor perform its 11 obligations hereunder or the falsity of any representation, or 12 breach of any warranty or covenant made by VARP hereunder, or 13 under the terms of any other document executed in connection 14 herewith, shall constitute a default hereunder; in addition, and 15 not by way of limitation, the following shall constitute a 16 default hereunder: 17 (1) A failure by VARP to pay the loan amount or to meet 18 the conditions of this Loan Agreement required by City hereunder, 19 as and when due, where such failure shall continue for a period 20 of ten (10) days after written notice thereof from city to VARP; 21 (2) A failure by VARP to observe and perform any other 22 material provision of this Agreement where such failure shall 23 continue for a period of thirty (30) days after written notice 24 thereof by City to VARP; 25 (3) The making by VARP of any general assignment for the 26 benefit of creditors; the filing by or against VARP of a petition 27 to have VARP adjudged bankrupt or of a petition for re- 28 organization or arrangement under any law relating to bankruptcy -7- 12/17/87 C 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 ". " --- '-' (unless, in the case of a petition filed against VARP, the same is dismissed within sixty (60) days); the appointment of a trustee or receiver to take possession of substantially all of VARP's assets where possession is not restored to VARP within thirty (30) days; or the attachment, execution or otherwise judicial seizure of thirty percent (30\) or more of VARP's assets where such seizure is not discharged within thirty (30) days. (4) All outstanding sums, including interest thereon, due under any provision of this Agreement, shall become immediately due and payable upon sale of the property described in Exhibit "An or transfer of title to any real property and/or improvements securing this Agreement, whether such sale or transfer be voluntary, involuntary, by operation of law or as a result of the death of any principal organizer of VARP. Such sums shall also become immediately due and payable upon the occurrence of any event which causes a reduction in the priority which the deed of trust securing this instrument enjoys as of the date of its recordation. Any such occurrence described herein shall 19 constitute a default under this Agreement. 20 b) Remedies. Upon the occurrence of a default by VARP, City 21 may take any steps necessary to protect its interests, including, 22 but not limited to, anyone or more of the following remedial 23 steps: 24 (1) Declare the entire principal balance then unpaid 25 under the terms of this Agreement, immediately due and payable. 26 (2) Take whatever action at law or in equity may appear 27 necessary or desireable, in the sole discretion of City, to 28 collect the amounts then due, and thereafter to become due, to -8- 12/17 /87 I' '\"j 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 c ,.-<".>, '-' ,) enforce performance and observance of any obligation, agreement or covenant of VARP under this Agreement, or under any other document executed in connection herewith. (3) Institute any action or proceeding at law or in equity for the collection of the sums so due and unpaid, and to prosecute any such action or proceeding to judgment or final decree, and to enforce any such judgment of final decree and collect, in a manner provided by law, the monies adjudged or decreed to be payable. c} Demand, protest and notice of demand and protest are hereby waived and the undersigned hereby waives, to the extent authorized by law, any and all homestead and other exemption rights which otherwise would apply to the debt evidenced by this Agreement. d} No Remedv Exclusive. No remedy herein conferred upon or reserved to City is intended to be exclusive of any other remedy or remedies, but each and every such remedy shall be cumulative, and shall be in addition to every other remedy given under this Agreement or now existing at law or in equity, or by statute, and may be exercised in such number, at such times and in such order as City may determine in its sole discretion. Any and all notices of default must be remedied within thirty (30) days of receipt of said notice. 8. Aqreement to Pav Attornev's Fees and Exoenses. In the event the City or VARP utilizes the services of any attorney or attorney's, including the City Attorney of the City of San Bernardino, in attempts to collect any sums due under this greement, or any other document executed or given in connection -9- 12/17/87 r' '- ~....... -' 1 herewith or hereunder, or if the City or VARP becomes a party, 2 plaintiff or defendant or otherwise appears in any legal 3 proceeding relating to this Agreement or any of the documents 4 executed hereunder, or in connection herewith, the prevailing 5 party shall be entitled to all court costs and attorney and 6 attorneys fees and expenses the Court may afix. 7 9. ComDliance with Laws and Contracts. 8 This Agreement shall be subject to, and all parties to this 9 Agreement shall comply with all applicable local, state and 10 federal laws and regulations not specifically identified in this 11 Agreement, and any applicable contracts with federal agencies. 12 Further, this Agreement shall be governed by and construed in 13 accordance with the laws of the state of California, and all 14 applicable federal statutes and regulations, as amended. 15 10. Execution of Documents. 16 The parties hereto shall, exercise reasonable diligence to 17 execute any and all documents and do all things as may be 18 necessary or advisable under the circumstances to give practical 19 effect to this Agreement, and to evidence, perfect, and protect 20 all rights and interests granted to the parties hereunder. 21 11. Hold Harmless. 22 VARP shall hold City, its elective and appointive boards, 23 officers, agents and employees, harmless from any liability for 24 damage or claims for damage for personal injury, including death, 25 as well as from claims for property damage which may arise from 26 VARP's or any of its subcontractors' operations under this 27 Agreement, whether such operations be by VARP or by any 28 subcontractor, or subcontractors, or by anyone or more persons -10- 12/17/87 C 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 I'" '-' ~. .-....,1 \ ,.) directly or indirectly employed by, or acting as agent for VARP or any subcontractor or subcontractors. VARP shall defend City and its elective and appointive boards, officers, agents, and employees from any suits or actions at law or in equity for damages caused, or alleged to have been caused, by reason of the aforesaid operations. 12. RelationshiD. No member, officer, or employee of City, or designees or agents, no member of the governing body of City, and no other public official who exercises any functions or responsibilities with respect to the program during his or her tenure for one (1) year thereafter, shall have any interest, direct or indirect, in any contract or subcontract, or the proceeds thereof, for work to be performed in connection with the activities assisted under this Agreement. 13. Conflict of Interest: No Individual Liabilitv. No member, official, or employee of City shall have any financial interest, direct, or indirect, in this Agreement, nor shall any such member, official, or employee participate in any decision relating to this Agreement which affects his or her pecuniary interest, or the interests of any corporation, partnership, or association, in which he or she is, directly, or indirectly, interested. No member, official, or employee of the City or VARP shall be personally liable in the event of any default or breach of this Agreement by the City or VARP. 14. Bindinq Effect. This Loan Agreement shall inure to the benefit of, and shall be binding upon, the City and VARP and their respective -11- 12/17/87 ."'"' "~ ',-, 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 I. ....... ~",I :) successors and assigns, subject, however, to the limitations contained in this Agreement. 15. Amendments. Chanaes and Modifications. Except as otherwise provided in this Agreement, this Agreement may not be amended, changed, modified, altered, or terminated without the prior written consent of city and VARP. No term or provision of this Agreement may be changed, waived, discharged, or terminated orally, but only be an instrument in writing signed by the party against which the enforcement of the change, waiver, discharge, or termination is sought. 16. Execution of CounterDarts. This Agreement may be simultaneously executed in several counterparts, each of which shall be an original and all of which shall constitute but one and the same instrument. 17. Borrower's Authoritv. Each individual executing this Agreement on behalf of VARP represents and warrants that he or she is duly authorized to execute and deliver this Agreement on behalf of VARP and that his or her signature is binding upon VARP in accordance with its term. 18. Notices. All notices, certificates, or other communications as described hereunder shall be delivered either personally or by registered or certified mail, postage prepaid, return receipt requested, and addressed to the parties at the addresses set forth in this Agreement. If given by mail, such notice(s) shall be effective as of the date so received. All such notices shall be delivered or mailed to city or VARP addressed as follows: -12- 12/17/87 C 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 c ~) o AS TO CITY Director Community Development Dept. City of San Bernardino City Hall, Fifth Floor 300 North "D" Street San Bernardino, CA 92411 AS TO VARP Executive Director Veterans Alcoholic Rehabilitation Program 1100 North "D" Street San Bernardino, CA 92411 19. Entire Aareement. This Agreement and any documents or instruments attached hereto or referred to herein integrate all terms and conditions mentioned herein or incidental hereto, and supersede all negotiations and prior writing in respect to the subject matter hereof. In the event of conflict between the terms, conditions or provisions of this Agreement, and any such document or instrument, the terms and conditions of this Agreement shall prevail. 20. No Third Partv Beneficiaries of Aareement. Any performance required herein is for the protection of City, its officers, agents, employees, contractors, and invitees. No third party beneficiaries other than as specifically named herein are contemplated under any provision of this Agreement, nor is it the intent of this Agreement to create any right in same. IN WITNESS WHEREOF, on this date, , 19 , the parties have executed this Loan Agreement the day and year first above written. CITY OF SAN BERNARDINO By: By: Mayor of the City of San Bernardino city Clerk -J.3- 12/17/87 " v ) VETERANS ALCOHOLIC REHABILITATION PROGRAM By: Chairman, Board of Directors By: Secretary -14- , ' I '- ,""'.- ,..-....... '-' ~ LEGAL DESCRIPTION FOR PROPERTY LOCATED AT 1100 NORTH "D" STREET, SAN BERNARDINO (Veterans Alcoholic Rehabilitation Program) PARCEL NO: 1. That portion of Lot 3, Block 75 of Nine Acre Survey of RANCHO SAN BERNARDINO, as per plat recorded in Book 7 of Maps, Page 2 records of said County, described as follows: BEGINNING at a point distant North 75 feet from the South line of said Lot and distant Westerly 137.5 feet from the West line of "D" Street, thence North parallel with the West line of "D" Street, a distance of 50 feet; thence West parallel with South line of said Lot to the West line of Stoddard Avenue as said Avenue was conveyed to the city of San Bernardino, by Deed recorded along the East line of said Stoddard Avenue a distance 50 feet; thence East parallel with the South line of said Lot to the point of beginning. PARCEL NO: 2. That portion of Lot 3, Block 75 of Nine Acre Survey of RANCHO SAN BERNARDINO, as per plat recorded in Book 7 of Maps, Page 2, records of said County, described as follows: BEGINNING at a point on the West line of "D" Stret, 25 feet North of the South line of said Lot 3; thence West 137.5 feet; thence North 100 feet; thence East 137.5 feet, to the West line of said "D" Street; thence 100 feet, to the point of beginning. COMMONLY KNOW AS 1100 North "D" Street, San Bernardino, California. EXHIBIT "A" 12/17/87 w ~ < " ~ z X >0 < N :; " :0 :;: ~ ;: .. .~ " " - - ~ ~ Z > < " ~ > ~ i .~ ,~ z '" ~ Z :0 .. 3 ~ '-' z - z < '" -' j ~"....- -....... J ."""" "-' "-' Q ~ < .. -' <>- 1-ZI ::l:.;.J >-:< '" ,... Z ~ O~~.~~.O~N~~~~.~.~O~~.~.~~MM_~O_~NN~O~~~~_~O~N_M~ O.M~~W~~NM~~O~~~~~~O~~-ON~~M-N~~~~~~~~-~O~N.~~~-m o~~~~~~~O~~M~~~M~.~~NO=~~~~~OM~~=~;~~~M~~~~O~~=oo ~~T~T~M~M~_~O.~M~_~~~~OT~_~=N~~_T~O~~~N.~ON~~~_T~ N~~~N~_~N.~~NT~~_~~~_M~~OM~~ON.~~_.~~OM~~ON.~~_M~ - - -.. . . . . . . - . . . . . . - - - - - - - - . . - - - - - - - - - - - - - - - - - - - - - - ____NNNNMMMM....~~~~~~~~~~~~~~~~~~~~~ooooo___ --~._......_.........................-------- ........ -' < ~~~~~~.~~~.NM~~_O_.~O.~_M~~.O~~~N~~~OO..~~N~~NOO~~~ ~O~OO~~O~M_~_N~~_~_~~NON~~M_M~~_~~M_~~~=~N~O~N~~~M ~~M~~~~=~M;~O~~~~~Q~OO;;~MO~~~~~~ON~~~N~;~~~~~~~Q ~~~~~~~_O~~~~~_O~~~N_~~~NO~~~o~~~e~~_~~N~~N~~_~~O ~~~~~~N_OQ~~C~MNO~~~~~~N_O~~~~MN-O%~~~MNO~=~~~N-O - - - - - - - - . . - . - - - - - - - - - . - - . - . . . ~ . - ~ ~ ~ - - - - ~ - - - - . ~ - - - ~~>~~>~~~~~~==~~~~~~~~~~~~~~~~~~~~~~~~D~~.~TT...~ .~~~~~~~~~.~~~~~~~.~~~~~~.~~~~~~~.~~~~~.~~...~~.~ ................-...............-................ <" '-z z~ o~ !-:.. _~O~~~O~N=~N~~~NO~=~~~~~~~O-~~Q-~~-~O~O~-~~O~~~O= N~M~M~~O~_~M=.O~N~M~~-~M~DN=~O~M~~N=~-~~-~T-~.-=. . . . . . . ... .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . ==~~OO_NNMM..~~~~~==~OO--NMM.~~~~~:=~OO-NNM.~~~~~ oooo_________________NNNNNNNNNNN~NNNNMMMMMMMMMMMM ------------------------------------------------- ................................................. "" -z ~~ " ~ < ~~ -~ ~:.r.. z;,;,,: o=: "'''' >- z ~ O~N~N~_~~M~OM~~~_N~T~~~~.MNOQ~M_~~O~N~N~_~=N~~>_M O~~M~N~_~OT~M~_~OT~N~O~QN~OT~_D~N~O~~OT~_~~_T~O~~ . . . . . . . . . . . . . . . , . , , . . . . . . . . . . . . . . .. . . . . . . . . . . . . . , O>QQ~~~~~~TMMNN__O~~QQ~~~~~~MMN__OO~=Q~~~~~~M~N_O DT.T.~~.~~~~..~T.~MMMMMMMMMMMMMMMMMNNNNNNNNNN~NNN NNNNNNNNN~NNNNN~~NNNNNNNNNNNNNNNNN~NNNNN~NNNNNNNN ................................................. -' < O~MM~>~~~~Q.NM~M_O_~~O~~_M~~.O~~~N~~=~..~~N~~Nm~~ O~O~~.~O~~_~_N~~_~_~~NON~~M_~~W_~~~_N~~=MN~O~N~~m . . . . . . . . . ... . . . . . . . . . . .. . . . . . . . . . ... . . . . .. . . . . . . . O_MMMMN_~~M~~O.~N~~~~OO~~~MO~_~_.~ONMMMN_~~MQ.QN~ O~~~~~~M_Q~~~~~_O~~~N~~~.NO=~MO~~NO~~_=~N=~N=~_=~ O=~~~.MN_om~~~TMNO~=~~~MN_O=~~~MN_O=~~.MNO~~~~.N_ " z i: - - - - - - . - - ~ . - - - ~ - - - ~ - . - . - . - - - . - . - . . ~ ~ . - - - - - ~ - ~ . ~ - - o~~~~~~~~~~m=~Q~=~~~~~~~~~~~~~~~~~~~~~~~~~~...... ~~.~.~.TT..~~~~....~.~~~~..~.~.~~~.~~..~~~~.T~~~. ................................................. ~ ;: OOOOOOOOOOOO____________NNNNNNNNN~~NMMMMMMMMM~MM~ >- z o z =~X>Z~~~~>UZ=~~~Z~~~~>VZZX~>Z~~~~>UZ=~~>Z~0~~>UZ~ w~~~~~~~uow~~c~c~~~wuo~<~c~c~~~~uow<wc~c~~~wuowc~ ~ECE~~c~oza~~EcE~~C~OZQ~~ECE~~C~OZQ~~ECE~~c~OZQ~~ j . 'EXHIl\1T ''11'' J J J j ) J J ) ~- I" ! ; ) c r '-' o ~ ) ~; O~-~N~N~~~.~-O~~N~O_~.~O~~~O.~N~~_NO~_N~NN~~~~~_~~~OM~OM~~~ ~N~~-~~~O~~~~MM~NO_.~~~O._ON~O=~=N~.NM~=._~~OM~M~~~~=O.=M~~ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . OO=~.O~-~~N.~~~~~MO~~~O.~~~~=~._~M~_.~~~~~MO~N~ON.~~.MO~N~O ~O-M~~~O_N.~W~~~O_NNMM.~........~MNN_O~~~~D.N_~~~.NO~~._~~. ~ON.~~O~~~~-M~~~N.~=ON.~=ON.~~O~.~=ON.~~~-M~~~ON.~=O_MD~~ON ~ ~ ~ . . - . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . -NNNNN~~MMM.....~D~~~~~~~~~~~~~~~~~~~~~~~OOOOO_____NNNNNNMM ------ -----___________________________ -N~NNNNNNNNNNNNNNNN ~........_._....._........................._............... OM=N~O~~~.O.~N~~~O~~~~~~~N-N._ON.~._~~~~~.~D~~~~-~~~ON.~~~. N~~~~~D.~_~~~~~~O~~~~~~M~_~~~-~~M~~N~~~~_~~O~ON~O~NOOO-~~O~ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . O___O=~M~~~~~~_N~N_~~M~.~N.~~~_~~_~M~-~~=~~~.N~M~-.~~~~._~M ~M~~_~~=M~.O~O~_~_~O~O.~M~N~O.=N~OM~O.~O~~~~~~OMD~ON~~~ONM~ ~~~.~_O~~~.~-O~~n.N_~~~.M_O~~D~NO~~~.NO~~~MNO~~~M-O~~.N-~~~ ~ ~ ~ ~ ~ . . . . . . . ~ ~ ~ . . . . ~ . . ~ . . . . ~ . . . . . ~ . . ~ ~ . . . . . . . . . . . . . . . . . ~ . . . MM~MMMMNNNNNNN______OOOOOOO~~~~~~~~~~~~_~~__~~~~~~~~~~~~... ...........................MM~M~~MM~~MM~M~M~MMMM~MMM~MMMMMM _.............._.~......................................... _~~~~~_=ON.~~~~_~O~-~MO~.NO~~_~~=~_M~__.=N_~~.O~~N_~=~=~~_N -~~N~~MOQ~N~~.-~~.-~~.N~_~MO~~.NO~~DM-O~~~M~O~=~~.M_O~=~~~~ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . .. . . =~~OO_NMM.~~~~Q~~O__NM..~~_=~~O_NNM.~~_~~~O_NNM.~~_Q~~O-NM. MMM..............n~~~~~~~n~~~~~~~~~~~~~~~~~~__~~~~~~~~~~~:~ ----------------------------------------------------------- .............................................-............. .~~~~~~~NO~~N~~_~N~_~~N~~~_N~.~~MN_~~.__M~.~.~_._~~NM.T~N_~ OM~~~~=-~_~Nr.~O~D=O~~~ON.~~_~~~~_M~~~ONM~~~~_N.n~_~O_N~.n~~ Q~=~~~i~.M~~~OO~~~~~~~~MN~OO~>>~~~~~~NN~O~=~~~~~MN~QO~~~~~~~ N------------__OOOOOOOOOOOOO~~~~~~~~~~~~~=======~===_~~~~_~ NNN~NNN~NNNNN~N~NN~NNNNNNNNN_______________________________ ........................................................... ~OM=N~O~~~.O~.N~~~O~~~.~~.N-N.~ON.~.-~~~~~T_n~M~~_~~~ON.~_~ MNM_~n~~.~_~~NOO~_o~n~~~~M~_~~=_~.MT~N~~~m_~NO~ON~O~NOOO_M~O . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . ... . . . . . . . . .. . . . . . . . . . . .. . ~O---O~~M~~~M~~_NMN_~~~~.=N.~_~~~._~M~_.~~==~.N~M~_.~~~~._~ O~M~~-~N=M~.O~O~_~_~O~O.~M=N~O.~N~O~~O~~OM~~N~=OM~~ON.~=ONM O=~~~~-OQ~~.~_O~~~.N_~=~.~_O~_~MNO~~~TNO~~nMNO=~~M_O=~.N_~_ ~;M~~M~MN~~~NNN~~~~:~OOOOOO;~~~;;;~~;;;;~~~~~~~;~;;;;~;;;~~ ..T............TT..TTT..T.T.MMMMMM~MMMMMMMMMMMMMMMMMMMMMMMM ........................................................... ....T......~~~~~n~~~~~~~~~~~~~~~~~~_~~~_~~_~~~~~~=QQ~==~~~~ ~~>z~~~~>~z~~~>z~~~~>uz~~x>z~o~~~uz~xx>z~~~~>uz~~x>z~~~~>UZ C~C~~~WUOW.W.~.~~~WUOW.WC~C~~~WUOWCWC~C~~~WUOW.WC~C~~~WUOWC ECE~~C~OZQ~~ECE~~<~OZQ~~ECE~~C~OZO~~ECE~~C00ZQ~~ECE~~C~OZQ~ J J ) ~ ~ J J . , :J . . . .. . . . ~ J J " r' "-' r "-' r, .....,; ,,) ~. N~~.~~~~~.NM~-~M~~~M.MON_~.~~~~~MNNN_~~_MN~~~~O~~_~_~N~-N-~ .N---NM~~OM~~M~OM~O.~OM~~~~~~~~._~N~~O__~~_~~~~~N~~Om~~NNO~ M~~~D~O~~~~~NMN~=~O~~O~~O=~~~O~~~~~~~~~O~~NO~M=N~~~~~O~OM~~ -~~N~~~~~N~~-~M~.O~-~N~N~_~-~O~mN~O~~_.~-.~ON~~ON.~=ONM~~~~ ~~~~ON.~~~ON.~~~ONM~~~~-N.~~~O_N.~~~~_N~~~~~O_N.~~~=O_NM.~~ ;;;;;;;;;;;~;;;;~;;;;;;;~~:~:;;;;~;;;;;;;;;;;;;;;;;;~~~~~~~ NNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNNN~~MMM~MMMM~M~MM ...~..__......#._.......................................... >N-~~~~~~~~~~O.~.~N..-~~~~~~M~~~~MNO~~_.~N~~OOM~=OM~_~~__~M O~~-~Q~~~~~~CN~.~~~O-NNNN_O~~M~.~M~~=~~.C~=O_O~N~~~~.=O_~.~ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ~-~~~~~~O~_~~_NN_~~~~N~~~~~._~_~~~~=~M~~~O_N_~~_~~O__~~M~_M ~~~O-~~~~~~~~~~~~~~~~~.MN_O~~~~M_~~~M_~~~_~~N~~N~~_~M~~O~_~ ~-~~~.NO~~~NOOO~~NO~~VNQ~~~N~~~M-~~~NO~~M-~~.N~~~NO~~MO~~M_~ . . . . . . . ~ . . . . . ~ ~ . ~ . . . ~ . ~ . . . . . . . . . . . . . . . . . . ~ . . . . . . . . . . . . . . . . . ~.MMMM~MNNNNN-----OOOOO~~~~~~~~=~~~~~~~~~~~~~~...~MMMMNNNN M~MMMMMMM~MMMMMMMMM~MMMNNNNNNNN~NNNNN~~NNNN~~NNNNNNNNNNNNNN ............................_.........~.................... ~~-~~M=.O~MO~~~~~~~~ON~~M~N~._=~~NNNNM~~~N~C~_~~_~~~~~~~ON~ .MMN--OOO~~~~~~~~~~~~~~~OO__NMM~~~~~~O_NM~~~~_N.~~~_M~~~N~~ ~~~~~O~N~~~~~;=~e~N~~~~~~O~N~.~~~~~O~~~~~~~~ONM~~~~~O~NM~~~ ~===~~~~~~~~~~~~OOOOOOOOO----------NNNNNNNNNMMMMMMMM~...~.. ----------------NN~NNNN~~NNNNNNN~~NN~NNNNNN~NNN~NNNNNNNNNN~ ........................................................... ~~-~M=M=N~~-M~~~~~~MN~~M~.~.~-.~Q~OO~~~~N~~_~_~=_M.~~~~.N~~ ~~~~OO--NNNMM~MMMMMMMNNN__OO~~~~~~~.N_O~~~~.N_~~~~NO=~.NO~~ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . N-O~~~~~~.MN_O~~~~~.MN_O~=~~.MN-O~=~~~.N_O~:~~.MN_O~~~~.M_O ~~~~~~~~~~~~~~~~~~D~~DD~.~.~..~.~MMMMMMMMMNNNNNNNNN________ ----------------------------------------------------------- _.......-....~............................................. ~~N-~~~=.~~~~~OT~.=N.T_~~~~~~MM~~~MNO~D_.~N~~OOM~OOOM~_~~__~ DO~~-~~~~~~=~ONM.~~~O_NNNN_OOO~M~T~M~OOOOOO~~OD=O_O~N~~~~~~O-~. ~~~~~~~~~O~~~~~N~~;~~mN~;~~~~~~~~~~~~~~;~~O~~~;~~~~O~~;~~~~ ~~OO~O-SM~D~~~~~~~~~~~~~.MN_O~=~~M-~~~M_OO~M_=~N=DNOO._~Mm.o~- ~M-~=~.NOOO~.NOOO~~NO~~.NOOO~.N~~DM_~~.NOOODM_~~.N~~~NO=~MOOO~M_ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ...MMM~MMNNNNN_____OOOOO~~~~~OOOOOOOO~~~~~~~~~~~D~....~MMMMNNNN MMMMMMMMMMMMM~MMMMMMMMMMNNNNNNNNNNNNNNNNNNNN~NNNNNNNNNNNNNN .........................................................~. ~~~~~~~~~~~~OOOOOOOOOOOO____ ---------------- ---NNNNNNNNNNNNMMMMMMMMMMM -------------------------- ~%~>z~~~~>uz=~~>z~~~~>UZ~%%>z~~~~>uz~xx>z~e~_>uz~"x>z~~~~>~ ~~~~~~~WUO~<W~~<~~~WUQ~CWC~<~~~WUOWCWC~<~~~WUOW~W<~~~~~WUOW ~KCE~~C~OZQ~~K<E~~<~OZQ~~E<E~~C~OZQ~~ECE~~C~OZQ~~ECE~~C~OZQ J . ~ j . () ) J .) . . . J l J ~ ) ) ., '.': c c "-'"' .r~,\ ~j t ~~~~~~~~N-om~o-o..~~~O~N~~N~m~__~~~N~~.N~~OM~~o~~m_M~~~N.N~ ~~~M~~.~-O~mmOmm.~~N.M~~.~~OO~mD~~m~O~MN~.~~~.~__O.~NN~.~oe ~~~~~N~..N~~~O~~O~M~~~~NO~~~~~~.o~mO~~~M~O~~~~~~~~~~~~~~~Mm ~OO--NNNNN--OO~~~~TN-~~~MO~~N~~MO~N~~O~N~M~M~N~_D~M~O.~OM~m ~>O-NM.~~~m~O--NM.~~~~~~O__NMM.~~~~~>>~>OO__NNMM...~~~~~~~~~ ~~~NNNN~N~N~;M;M;;;;;;;;;:;:;;;;;;;;;:;~;;~;~;~~~~;;;~~~~~~ ~M~MMM~MM"MMM~~MMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMM~MMM _..........................~............................... .O-~~~N~~M->>~~~.~~~..~O~_~OMMO.N~..=M~~N~O_~_>>_~..~~~~~O_~~ ~=.~~~NT.-~~M~>>~O-~N~>>-~.T-M-~.~~~~N.ON~O~>>M.~~_~_~~_~-~~m. ~~~O~~~~~~~~;~~~~~~~~O~~~~=~~~O~~~~M~~~~;M~~>>~~~N~~~S~N~~~N -~-~OD~~~-D~N~~N~~-.~~_~D~~~_N.~~~~~~~~~~~~~~N_~~~~NO~~N~~M ~~-~~MO~D~O~~N~~~->~~~~~N~~.-~~N>~~O~~_=~N~~~O~~O~~_~~_=._~ ~ ~ ~ . . . . . . . . . . . . . ~ . . . . . . . . ~ . . . . ~ . . . . . . . . . . . . . . . . . . . . . . . . . . . . ---OOOO~~~~~~~~~~~~~~~~~~....MMMNNNN___OOO~~~~~~~~~~~~~~~~. NN~NN~N_________ _______________________................. ..........................#............... I I f I j ~.~~-~~.MNNM~~OM~N~~O~~~T~~~O~~-~N~~~.M.~~OM~N~~NO~~~ON~~.~ :-M~~-.~OM~~N~~N~~N~O~~-~~M~N~O~~~~M~~>>M~M~.~DO~N~M~~N~.O~M . . " " . . . . . I . . . . . . I . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . .. . .. .. . . =O-NM~~~~O-N.~~~~ON~~~~~O_M.~~~O_M.~~~ONM~~>>~_M.~~~ON.~~~ON T~D~~~~D~~~~~~~~~~~~~~~~~==~===~~~~~~~OOOOOOO______NNNNNN~M NNNNN~NNNNNNNNN~~NNNNNNNNNNNNNNNNNNNNNMMM~MMM~MMM~MMMMMMMMM ........................................................... N~N~OM~~~~~~~~N~.O.:-.~~~~~.N~~O~~N~~=~=~DN~.~~~O_MMN_~~N~N MO>>DMO~.-~DN~~M~~M~~N>>~O~N~.O~_~N~M~M~M~M=M~N~_nO.>>N~OM~_.>> >~~~~~~O~~~~MN~~~~~~~~O~~~~MNO~~~.M~O=~~~N~~=~~MNOm~i.NO~~~ OOOOOOOO~~~~~~~~~~:>>~>>>>~~~~~~~~~~~~~~~~n~~D.~.~.~.MMM~M~NNN --------......._.....~.............__...................... ........ M.O-~~~N~~M-~M~~.~~'..~O~_~OMMO.N~.T~M~~N~O-~_>>_~.~~~>>~~O_~ ~~~~~~~N.~-~~~~~~O-~NN~-~..-M-~.~~~~N.ON~O~~M.>>~_~_~~_~-~~e ~~.MO~~~~~~~M~M~~~~~N~O~MM~~M~~O~~~~M~~~N~M~~~~~;N~~.N~N.~. ~-~-~O~~M~-~~N~~ND>>-.~~-Mn~~O_N..~~~~~~~~~~~.MN_~~~.NQ~~N~~ :~M->>~MO~~MO~~N~~~-~~MO~~N~~._>>~N~~MO~._=~N~~MO~MO~._=._=._ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ----OOOO~~~~=~=~~~~~~~~~~~....~MMNNNN___OOO~~~~==~~~~~~~~~~ ~NNNNNNN___________________________________................ ........................................... M~..T.T...T..~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ ------------------------------------------ :--....~:"oo"":_...... ---------------- =.:o=.:o::OQ:l::O~Q)CD Z~%%>z~~~~>~Z~%<<>z~~~~>~Z~%~>z~~~~>uz~xx>z~~~~>~z~~=>z~~~~> <WC~C~~~WUOWCWC~C~~~~~~WCW<~C~~~W~OW<WC~C~~~WUO~CWC~<~~~~UQ ~~ECE~~C~OZQ~~ECE~~<00ZQ~~.CK"C00ZQ~~ECE~~C~OZQ'~ECE~~C00Z ) :J .J J J ~ ~ . ~ ) J .,.... A"""" , - -O-.....O__....OCDO-Q. OC)M.CD'O'OO'...MM....NO MiO~~NaiN~~,:..:'OON -('\')"J)~~ONM....,'O'Opo.".... ~Q)CDO':)CDo-o-o-o.o.Ot>o.o.o. ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ iOOl.'):t'Jll."!l)it)it,')iI.')it)II.')ll.")lDll)1t) ':"lMMM~MM.:")MMMMMM .............. ,"I) _ _ N""';o ('O)O):::t- ..0,..._.::> ..,...MN.O')'o..O)_...."O:--._.:) OON!t)\O:aN'%iN~it)..._...O ~"ONO).O!l.")_"O_\(l-:O. ...--:O._CD..._:-......Ol'-M ~ ~ ~ ~ ~ ~ ~ ~ ~ .. ~.. ...,.MMMNNN-__ ........... :t:lNOO-COO'ONno....Ot>-Q_ O....TO,......N""\(lM_CO-Q_ . . . . . . . . . . . . . . "'ll.")""o.ON"";o,...o.._N,,,,"" :?MMM...""~.....,,,,:t):oIt)1t) MMMMM('l)('l)M('l)MMMMM .................... \(lo\-M::")M-o-\(lMoX)N\(l"" _TCO_"'l'-ON:!lO':)OM;n~ . . . . . . . . . . .. . . "f'NOo-....:n...NOCO,...;c(')_ NNN______..... ......... CD.n--N...:D:DMCOOt>\(l!'o-_ -or......MN...o......m_,...\(l..._ . . . . . . . . . . .. . . NCON;,O\(lXlNCONIO!O..._... Mo.\(lN:D"'O;:)-\(l_<oO_lD 00...-=...-00...-.......0....'" .... ...... .. .. .. .. .. .. .... .......M::")MNNN_-_ ............ ::DOOo-~~o-o-O\,..;)..o-o-o-o- -------------- uz==:::-::::>z..J~;l.....>uz W<CLlJCl1.C::l::l::lLIJUOWC Q..,..JE:CE..,..,ccnOZc::l.., J :) . . Q .. " '" ,.. .. 'n " .,. en " ... 0. .. " " "' .. '" "' " .. '" Z " - .,. -' ... '" :; - .. Z "' Z >- ... .. 0. " >- '" :E ,.. .. .. Z '" '~ " Z .,. - '" '" ... oJ .. - ... 0. ~ <l. - " Z '" <l. -' ... .. " ... Q J J '-' j J " , >....,J ~ ) . . . ) ~.'''' ~l L j :) J