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HomeMy WebLinkAbout9/7/2005 - STAFF REPORTS (9) U N c ��7FORa�P Community Redevelopment Agency Staff Report I DATE: SEPTEMBER 7, 2005 NEW BUSINESS SUBJECT: APPROVAL OF AMENDMENT NO. 1 TO A DDA IMPLEMENTATION AGREEMENT WITH VISTA SUNRISE APARTMENTS, LP TO APPROVE A MINOR CHANGE IN PROJECT SCOPE FROM: David H. Ready, Executive Director BY: Community & Economic Development Department SUMMARY: On May 18, 2005 the Agency and City Council approved a DDA Implementation Agreement and a Public Improvements Reimbursement Agreement to allow Vista Sunrise Apartments, L.P. to close on their CaIHFA financing to begin construction of the 85-unit low-income housing project. The Implementation Agreement clarified and provided several minor changes to the DDA, including the addition of an affiliate of Desert AIDS Project to the partnership and the division of responsibilities for the construction of the off-site improvements, as well as further restructuring of the Agency notes to allow debt capacity to service debt acquired to purchase the Desert Health Care District parcel, as required by CaIHFA. The project financing is scheduled to close on September 2, 2005 with the sale of the parcels from the Desert Health Care District and the transfer of the parcel from the Community Redevelopment Agency, and subsequent lot line adjustment, scheduled for September 9, 2005. There are a number of other actions necessary to undertake before the project can close which can be accomplished either by resolution or by amending the Implementation Agreement rather than the DDA. One is the recission of Section 5 of Agency Resolution 740 and Section 4 of Agency Resolution No. 742, both of which state that 'The property shall be held as an asset of the Low and Moderate Income Fund for the development of a congregate care facility for low-income elderly." This restriction showed up as a title exception in the Preliminary Title Report from First American Title. Second, the project scope has changed slightly. Due to rising project costs in materials and labor because of the tight development market (without any corresponding increase in project financing), the Developer was forced to redesign the project to reduce the REM NO. number of buildings from seven to six. As a result, the project lost a total of five units, and the project mix also changed to eliminate all of the two bedroom units. The Restated and Amended DDA ("RADDA") does not give staff any discretion to allow any deviations from the scope administratively, though it does defer any change in design to the City of Palm Springs, as all of our DDAs do. Coupled with the Agency's August recess (which meant we couldn't bring it earlier), it was necessary to bring this action back on this date after the scheduled close of financing. The Implementation Agreement adopted in May, 2005 gave the Agency some flexibility in making last- minute changes to the financing documents to facilitate closing, though it was silent on the Scope of Development. Adding the changes to the Scope of Development to the Implementation Agreement should satisfy the senior lenders and equity investors that the Agency concurs with the changes in the project. RECOMMENDATION: I 1. Adopt Resolution No. "A RESOLUTION OF THE COMMUNITY REDEVELOPMENT AGENCY OF THE CITY OF PALM SPRINGS, CALIFORNIA, RESCINDING SECTION 5 OF RESOLUTION 740 AND SECTION 4 OF RESOLUTION 742, AND APPROVING AMENDMENT NO. 1 TO AN IMPLEMENTATION AGREEMENT WITH VISTA SUNRISE APARTMENTS, LP TO AMEND TO PROJECT DESCRIPTION FROM 85 UNITS WITH 7 TWO- BEDROOM UNITS TO 80 UNITS WITH NO TWO-BEDROOM UNITS TO EFFECTUATE THE DEVELOPMENT OF A LOW-INCOME HIV/AIDS APARTMENT COMPLEX AND FAMILY CARE FACILITY WEST OF SUNRISE WAY, SOUTH OF VISTA CHINO ROAD" STAFF ANALYSIS: FISCAL IMPACT: There is no additional fiscal impact to the City or Agency due to these changes, though the Agency's per-unit project subsidy due to the reduced number of restricted units will rise from $35,833 per restricted unit to $38,590 per restricted unit, though no more additional funds have been com itted. ohn . Ray o d, Director of David H. Ready, Executive=D rector 'oar unity conomic Development -' Attachments: 1. CRA Resolution 2. Amendment No. 1 to the Implementation Agreement RESOLUTION NO. "A RESOLUTION OF THE COMMUNITY REDEVELOPMENT AGENCY OF THE CITY OF PALM SPRINGS, CALIFORNIA, RESCINDING SECTION 5 OF RESOLUTION 740 AND SECTION 4 OF RESOLUTION 742, AND APPROVING AMENDMENT NO. 1 TO AN IMPLEMENTATION AGREEMENT WITH VISTA SUNRISE APARTMENTS, LP TO AMEND TO PROJECT DESCRIPTION FROM 85 UNITS WITH 7 TWO- BEDROOM UNITS TO 80 UNITS WITH NO TWO- BEDROOM UNITS TO EFFECTUATE THE DEVELOPMENT OF A LOW-INCOME HIV/AIDS APARTMENT COMPLEX AND FAMILY CARE FACILITY WEST OF SUNRISE WAY, SOUTH OF VISTA CHINO ROAD" WHEREAS, the Community Redevelopment Agency of the City of Palm Springs (the "Agency") has established an affordable housing setaside fund in accordance with Section 33000 et. seq. of the California Health and Safety Code; and WHEREAS, the Agency and the Developer have entered into that certain Restated and Amended Disposition and Development Agreement ("RADDA") dated February 15, 2005 which provides for the construction of 85 affordable housing units pursuant to the terms of the RADDA; and WHEREAS, as the parties are beginning the implementation of the terms of the RADDA and as a result of that endeavor have discovered that certain assumptions concerning financing requirements and timing of the adjacent health care facility project have necessitated some non-material revisions for purposes of the Agency in the form of the Promissory Notes and Deeds of Trust which have to be clarified but which do not affect the Agency's basic financial contribution to the Project or the Scope of the Project; and WHEREAS, the Agency and Developer wish to clarify their understandings of how the RADDA will be implemented by setting forth those understandings in this Implementation Agreement, including a change in scope of development. NOW THEREFORE BE IT RESOLVED by the Community Redevelopment Agency of the City of Palm Springs, as follows: SECTION 1. The above recitals are true and correct and incorporated herein. Community Redevelopment Agency May 18,2005 Page 4 SECTION 2. This Amendment No. 1 to the Implementation Agreement with Vista Sunrise Apartments, LP, is hereby approved and incorporated herein by this reference. SECTION 3. Section 5 of Agency Resolution 740 and Section 4 of Agency Resolution No. 742, both of which state that 'The property shall be held as an asset of the Low and Moderate Income Fund for the development of a congregate care facility for low-income elderly" are rescinded. SECTION 4. The Executive Director, or his designee, is hereby authorized to execute on behalf of the Agency the Amendment No. 1 to the Implementation Agreement and other documents necessary to the Agreement, to amend the project description to 80 one bedroom and studio units, and make minor changes as may be deemed necessary, in a form approved by Agency Counsel. ADOPTED this day of 2005. AYES: NOES: ABSENT: ATTEST: COMMUNITY REDEVELOPMENT AGENCY OF THE CITY OF PALM SPRINGS, CALIFORNIA By Assistant Secretary airman (REVIEWED & APPROVED AS TO FORM �' � Community Redevelopment Agency May 18, 2005 Page 5 RESOLUTION NO. OF THE CITY COUNCIL OF THE CITY OF PALM i SPRINGS, CALIFORNIA, APPROVING A PUBLIC IMPROVEMENT REIMBURSEMENT AGREEMENT WITH THE COMMUNITY REDEVELOPMENT AGENCY OF THE CITY OF PALM SPRINGS, VISTA SUNRISE APARTMENTS, L.P., AND THE HOUSING AUTHORITY OF THE COUNTY OF RIVERSIDE IN THE AMOUNT OF $125,000 FOR THE CONSTRUCTION OF CERTAIN OFF-SITE IMPROVEMENTS TO EFFECTUATE THE DEVELOPMENT OF A LOW-INCOME HIV/AIDS APARTMENT COMPLEX AND FAMILY CARE FACILITY WEST OF SUNRISE WAY, SOUTH OF VISTA CHINO ROAD, MERGED PROJECT AREA #1 NOW THEREFORE BE IT RESOLVED by the City Council of the City of Palm Springs that a Public Improvement Reimbursement Agreement with the Community Redevelopment Agency of the City of Palm Springs, Vista Sunrise Apartments, L.P. and the Housing Authority of the County of Riverside in the amount of $125,000 to effectuate the development of a low-income HIV/AIDS apartment complex west of Sunrise Way, South of Vista Chino Road, Merged Project Area #1, is hereby approved. ADOPTED this day of 2005. ,AYES: NOES: ,ABSENT: ATTEST: CITY OF PALM SPRINGS, CALIFORNIA By City Clerk City Manager [REVIEWED & APPROVED AS TO FORM FIRST AMENDMENT TO i IMPLEMENTATION AGREEMENT ' This First Amendment to Implementation Agreement ("Amendment") is made and entered into as of September _, 2005 by and between the Community Redevelopment Agency of the City of Palm Springs, a public body, corporate and politic ("Agency"), and Vista Sunrise Apartments, L.P., a California limited partnership ("Developer"), with reference to the following recitals of fact: RECITALS: A. WHEREAS, the Agency and the Developer have entered into that certain Restated and Amended Disposition and Development Agreement ("RADDA") dated February 15, 2005, which provides, among other things, for the construction of 85 affordable housing units pursuant to the terms of the RADDA; B. WHEREAS, the Agency and the Developer have entered into that certain Implementation Agreement ("Original Agreement ") dated , 2005, for purposes of clarifying the parties' understandings of how the RADDA will be implemented and to make certain non-material revisions to the terms of the RADDA as more particularly set forth therein; C. WHEREAS, subsequent to the Agency's approval of the Original Agreement, the parties have discovered that, in connection with the financing of the (Project, certain additional revisions are required to the terms of the RADDA, which do not materially affect the Agency's basic financial contribution to the Project or materially change the Scope of the Project. D. WHEREAS, the Agency and the Developer now desire to modify the Original Agreement in accordance with the terms and conditions set forth in this Amendment. For purposes hereof, the Original Agreement and this Amendment are collectively referred to as the "Agreement." NOW THEREFORE, in consideration of the mutual covenants and agreements hereinafter set forth and for other good and valuable considerable considerations the receipt and sufficiency of which are hereby acknowledged, the parties agree as follows: 1. Original Agreement. The Agency and the Developer acknowledge that the Original Agreement is in full force and effect, except as modified by this Amendment. All capitalized terms not otherwise defined herein shall have the meaning set forth in the Original Agreement. In the event of any inconsistency between the terms and conditions set forth in the Original Agreement and the terms and conditions set forth in this Amendment, the terms and conditions in this Amendment shall control. 2. Unit Chanqe. The Developer has informed the Agency that due to the escalating costs of construction materials, the Developer was required to redesign the Project. The Project, as redesigned, shall consists of 80 units rather than 85 units. Of 1 LA/40320695.1 such 80 units, thirty-nine (39) shall be Restricted Units and one (1) shall be a Manager's Unit. The Units, including the Manager's Unit, shall be composed of 48 studio units and 32 1-bedroom units. The placement of the Restricted Units may float in the Project as long as a minimum of thirty-nine (39) meet the criteria. All references in the RADDA and the Original Agreement to 85 units, 41 of which shall be Restricted Units, are not applicable to the Project. 3. Acquisition of the District Parcel. The Developer has informed the Agency that the Developer will be acquiring fee simple title to the District Parcel. The Housing Authority of the County of Riverside (the "Housing Authority") will purchase the District Parcel from the District, and subsequently the Developer will purchase the District Property from the Housing Authority pursuant to that certain Disposition and Development Agreement by and between the Developer and the Housing Authority. Thus, all references to a long-term lease with the District and/or a sublease of the District Parcel from the Housing Authority or the County are not applicable to the Project. 4. Land Note and Deed of Trust. The $205,000 land contribution note (the "Land Note") and the deed of trust securing the Land Note (the "Land Deed of Trust") shall be in the forms attached hereto as Exhibit "A" and Exhibit "B", respectively. The parties agree that (i) the borrower under the Land Note shall be the Developer; (ii) the Land Note will be for a term of 45 years; (iii) the Land Note will be repaid solely from .25% of the Project's Residual Receipts (as defined in the Land Note); and (iv) the Developer will deliver the Land Deed of Trust to the Agency concurrently with the ,Agency's transfer of the Agency Parcel to Developer, however, the Land Deed of Trust will not be recorded until the deeds of trust for the construction financing for the Project have been recorded. Notwithstanding the foregoing term, the Land Note shall provide that if there is an outstanding balance remaining under the Land Note at the end of such forty-five year term, then upon the written request by the lender under the MHP Loan (as defined in the Land Note), the Agency may extend the term of the Land Note for a period not to exceed 10 years for a total of 55 years, or such other similar language as may be required by the lender under the MHP Loan and approved by the Executive Director of the Agency. 5. Cash Contribution Note and Deed of Trust. The $1,300,000 cash contribution note (the "Cash Contribution Note") and the deed of trust securing the Cash Contribution Note (the "Cash Contribution Deed of Trust") shall be in the forms attached hereto as Exhibit "C" and Exhibit "D", respectively. The parties agree that (i) 46% of monthly draw requests shall be funded under the Cash Contribution Note; (ii) the Agency shall pay, or cause to be paid, any approved disbursements under the Cash Contribution Note within fifteen (15) business days following the Agency's receipt of the corresponding Application for Disbursement; (iii) the Cash Contribution Note will be repaid solely from 1.55% of the Project's Residual Receipts; and (iv) the Cash Contribution Note will be for a term of 45 years. Notwithstanding the foregoing term, the Cash Contribution Note shall provide that if there is an outstanding balance remaining under the Cash Contribution Note at the end of such forty-five year term, then upon the written request by the lender under the MHP Loan, the Agency may extend the term of 2 LA/40320695 1 the Cash Contribution Note for a period not to exceed 10 years for a total of 55 years, or such other similar language as may be required by the lender under the MHP Loan and approved by the Executive Director of the Agency. 6. Requlatory Aqreement. The Regulatory Agreement is being amended regarding the above-referenced change in the number of units in the Project and to provide the Agency's acknowledgement that the other lenders for the Project are also restricting the same 49% (or lesser percentage) of the units at the Project and that the most restrictive rents will apply with respect to such units. The Regulatory Agreement shall be in the form attached hereto as Exhibit "E". 7. Qualified Tax Credit Investor. 7.1 The Agency hereby acknowledges that SunAmerica Housing Fund 1305, A Nevada Limited Partnership ("Sun") is a Qualified Tax Credit Investor, as such term is defined in Section 222 of the RADDA, and the admission of Sun as a limited partner of the Developer is a transfer permitted under Section 303(3)(f) of the RADDA. 7.2 The following transfers shall be deemed additional exceptions to the transfer restrictions contained in Sections 303(1) and (2) of the RADDA: (i) the pledge by the general partner of Developer to the limited partner of Developer of the general partners partnership interests in the Developer pursuant to Developer's limited partnership agreement, (ii) any transfer of a limited partnership interest in Developer by the limited partner of Developer to an affiliate of such limited partner, (iii) any transfer of a partnership interest in the entity that is the limited partner of Developer and (iv) any transfer of a general partnership interest in Developer to the limited partner of Developer or to an affiliate thereof in connection with the removal of the general partner of Developer pursuant to Developer's limited partnership agreement. 7.3 The rights given to holders of mortgages under the RADDA shall also apply to the limited partner of Developer. 7.4 The Agency acknowledges and agrees that the Hazardous Materials indemnity contained in Section 409(3) of the RADDA is not applicable to the limited partner of Developer. 8. Notices. The Developer hereby designates the following persons at the following addresses as additional notice parties to also receive copies of all notices delivered to the Developer, including, without limitation, any notices delivered to Developer under Section 900 of the RADDA: SunAmerica Housing Fund 1305, A Nevada Limited Partnership c/o AIG Retirement Services, Inc. One SunAmerica Center, Century City Los Angeles, California 90067 Attn: Michael Fowler 3 LN40320695 1 Coachella Valley AIDS Consortium 1695 North Sunrise Way I Palm Springs CA 92262 Attn: Executive Director 9. Covenant re Senior Housinq. In connection with a previously contemplated development of the Agency Parcel by a different developer, the Agency adopted Resolutions No. 740 — 742, pursuant to which the Agency, among other things, resolved to hold the property as an asset of the Low and Moderate Income Housing Fund for the development of a congregate care facility for low-income elderly (the "Senior Restriction"). The Agency agrees that the Senior Restriction does not apply to the Project. At or prior to the Closing of the Escrow for the conveyance of the Agency Parcel from Agency to Developer, the Agency shall deliver to Escrow Agent the documentation reasonably required by the Title Company to remove the Senior Restriction as an exception to title for the Agency Parcel, including, without limitation, Agency resolutions confirming that the Senior Restriction does not apply to the Agency Parcel. 10. No Other Modifications. Except as otherwise provided herein, all other terms and provisions of the Agreement shall remain in full force and effect, unmodified by this Amendment. 11. Bindinq Effect. The provisions of this Amendment shall be binding upon and inure to the benefit of the heirs, representatives, successors and permitted assigns of the parties hereto. 12. Counterparts. This Amendment may be executed in any number of original counterparts. Any such counterpart, when executed, shall constitute an original of this Amendment, and all such counterparts together shall constitute one and the same Amendment. For purposes of this Amendment, facsimile signatures shall be deemed to be originals. 4 L/U40320695.1 IN WITNESS WHEREOF, this Amendment has been duly executed by the parties hereto as of the day and year written above. DEVELOPER: VISTA SUNRISE APARTMENTS, L.P., a California limited partnership By: MBA Development Corp., a Missouri corporation Its: Development General Partner By: Name: Title: By: Coachella Valley AIDS Consortium, a California nonprofit public benefit corporation Its: Managing General Partner By: Name: Title: AGENCY: ATTEST: THE COMMUNITY REDEVELOPMENT AGENCY OF THE CITY OF PALM SPRINGS, a public body, corporate and politic By: Executive Director 5 LAA0320695.1 i EXHIBIT A Land Note $205,000 Palm Springs, California FOR VALUE RECEIVED, VISTA SUNRISE APARTMENTS, L.P., a California limited partnership ("Maker"), promises to pay the COMMUNITY REDEVELOPMENT AGENCY OF THE CITY OF PALM SPRINGS, a public body, corporate and politic ("Holder") at 3200 E. Tahquitz Canyon Way, Palm Springs, California 92262, or at such other address as Holder may direct from time to time in writing, the sum of Two Hundred and Five Thousand Dollars ($205,000.00) (the "Note Amount"), pursuant to the terms set forth herein. All sums payable hereunder shall be payable in lawful money of the United States of America. This Promissory Note ("Agency Property Note") is made in connection with the provision by the Holder of funds equal to the Agency Property Note pursuant to that certain Restated and Amended Disposition and Development Agreement by and among Maker and Holder, dated as of February 15, 2005 (the "Agreement"). t. Interest Rate. No interest shall accrue on the Note Amount. 2. Term. The term of this Agency Property Note shall be forty-five years; provided, however, if there is an outstanding balance remaining hereunder at the end of such forty-five year term, then upon the written request by the lender under the MHP Loan, the Agency may extend the term for a period not to exceed 10 years for a total of 55 years. 3. Repayment. The principal amount of the Note Amount shall be immediately due and payable upon any default of the Agreement, which is not cured within the time set forth in Section 801 of the Agreement. The Agency Property Note shall be repaid on an annual basis solely from one-fourth of one percent (.25%) of the Project's Residual Receipts. Residual Receipts are defined as gross receipts less costs actually incurred for the operation and maintenance of the Project, including, without limitation, auditing and accounting fees, a property management fee not to exceed 6% of gross income, an annual tax credit limited partner asset management fee not to exceed $5,000, an annual managing general partner partnership management fee not to exceed $5,000, an annual incentive management fee to the development general partner of Maker not to exceed $7,500, developer fees, operating costs, reserves, repayment of limited partner loans funded pursuant to Maker's partnership agreement and payments of principal and interest on loans and indebtedness senior to the indebtedness evidenced by this Agency Property Note and which have been approved by the Agency, including, without limitation, the CaIHFA Loan (as defined below), the Home Loan and the MHP Loan have been completely repaid. The Agency Property Note shall be subordinated to (i) that certain 6 LA/40320095 1 Iconstruction and permanent loan from the California Housing Finance authority (the "CalHFA Loan"), the; (ii) the MHP Senior Debt; (iii) the County Home Loan; (iv) the t ,Agency Note and (v) the AHP Loan. Available Residual Receipts shall be determined (based on a review of financial statements for the project. Quarterly financial statements shall be submitted within 45 days of the close of each quarter of the project fiscal year. Vn addition, annual audited financial statements shall be submitted within 120 days of the close of the calendar year. All outstanding principal along with accrued interest shall be due and payable on December 31, 2051. The first payment shall be due on December 31, 2007, to the extent of available Residual Receipts, as set forth above. For purposes of this Agency Property Note, defined terms used in this paragraph but not defined herein shall have the meaning given to such terms in the Home Loan Agreement. 5. Prepayment of Aqencv Note Amount. Maker may prepay to Holder the full Note Amount, at any time prior to the due date of the Note Amount without penalty. 6. Security. This Agency Property Note is secured by a deed of trust by and between Maker, as trustor and Holder, as beneficiary (the "Deed of Trust"). 7. Holder May Assiqn. Holder may, at its option, assign its right to receive payment under this Agency Property Note without necessity of obtaining the consent of the Maker. 8. Maker Assiqnment Prohibited. In no event shall Maker assign or transfer any portion of this Agency Property Note without the prior express written consent of the Holder, which consent may be given or withheld in the Holder's sole discretion. 9. Attorneys' Fees and Costs. In the event that any action is instituted with respect to this Agency Property Note, the non-prevailing party promises to pay such sums as a court may fix for court costs and reasonable attorneys' fees. Holder's right to such fees shall not be limited to or by its representation by staff counsel, and such representation shall be valued at customary and reasonable rates for private sector legal services. 10. Non-Waiver. Failure or delay in giving any notice required hereunder shall not constitute a waiver of any default or late payment, nor shall it change the time for any default or payment. 11. Successors Bound. This Agency Property Note shall be binding upon the parties hereto and their respective heirs, successors and assigns. 12. Definitions. Any terms not separately defined herein shall have the same meanings as set forth in the Agreement. 13. Non-Recourse. Notwithstanding anything to the contrary herein contained, (i) the liability of Maker shall be limited to its interest in the Site and any 7 LAJ40320695 1 rents, issues, and profits arising from the Site and, in addition, with respect to any Iobligation to hold and apply insurance proceeds, proceeds of condemnation or other monies hereunder, any such monies received by it to the extent not so applied in accordance with the terms of this Agency Property Note; (ii) no other assets of Maker shall be affected by or subject to being applied to the satisfaction of any liability which Maker may have to Holder or to another person by reason of this Agency Property Note; and (iii) any judgment, order, decree or other award in favor of Holder shall be collectible only out of, or enforceable in accordance with, the terms of this Agency Property Note by termination or other extinguishment of Maker's interest in the Site. Notwithstanding the foregoing, it is expressly understood and agreed that the aforesaid limitation on liability shall in no way restrict or abridge Maker's continued personal liability for: (A) fraud or willful or grossly negligent misrepresentation made by Maker in connection with this Agency Property Note or any of the Agency Agreements; (B) misapplication of (a) proceeds of insurance and condemnation or (b) rent received by Maker under rental agreements entered into for any portion of the Site after default of the Note; (C) the retention by Maker of all advance rentals and security deposits of tenants not refunded to or forfeited by such tenants; or (D) the indemnification undertakings of Maker under the Agency Agreements. "MAKER" VISTA SUNRISE APARTMENTS, L.P. a California limited partnership By: MBA Urban Development Co. Its Development General Partner By: Date Name: Title: By: Coachella Valley AIDS Consortium, a California nonprofit public benefit corporation Its: Managing General Partner By: Name: Title: "HOLDER" COMMUNITY REDEVELOPMENT AGENCY OF THE CITY OF PALM SPRINGS, 8 LA/40320695.1 ' a public body, corporate and politic Date By: Chairman ATTEST: Agency Secretary APPROVED AS TO FORM: Agency Special Counsel 9 LA140320695.1 EXHIBIT B Land Contribution Deed of Trust RIDER TO DEED OF TRUST WITH ASSIGNMENT OF RENTS THIS RIDER TO DEED OF TRUST WITH ASSIGNMENT OF RENTS ("Rider") is executed this day of , 2005, by VISTA SUNRISE APARTMENTS, L.P., a California limited partnership, herein "Trustor," in favor of the COMMUNITY REDEVELOPMENT AGENCY OF THE CITY OF PALM SPRINGS, a public body, corporate and politic, herein the "Beneficiary,") the same parties to that certain form Deed of Trust With Assignment of Rents, of even date hereto, to which this Rider is attached. This Rider is made a part of and is incorporated into said Deed of Trust. This [Rider shall supersede any conflicting term or provision of the form Deed of Trust to which it is attached. Reference is made to the following agreements and documents: (i) Agency Property Note by and between Trustor and Beneficiary, dated on or about the date set forth above, the repayment of which by Trustor is secured by this Deed of Trust (the "Agency Property Note"); (ii) Restated and Amended Disposition and Development Agreement by and between Trustor, and Beneficiary, dated February 15, 2005 (the "RADDA"), providing for Trustor's development of the Property; and (iii) Regulatory Agreement and Declaration of Covenants and Restrictions, dated , 2005, by and between Trustor and Beneficiary, providing for the use, operation, and maintenance of the Property ("Agreement Containing Covenants"). The parties hereto agree: 1, Propertv. The estate subject to this Deed of Trust is Trustor's fee estate in the real property legally described in the Deed of Trust (the "Property"). In addition, Trustor grants to beneficiary a security interest in all of Trustor's rights, title, and interest in and to the following: (a) All present and future inventory and equipment, as those terms are defined in the California Commercial Code, and all other present and future personal property of any kind or nature whatsoever, now or hereafter located at, upon or about the Property or used or to be used in connection with or relating or arising with respect to the Property and/or the use thereof or any improvements thereto, including without limitation all present and future furniture, furnishings, fixtures, goods, tools, machinery, plumbing and plumbing material and supplies, concrete, lumber, hardware, electrical wiring and electrical material and supplies, heating and air conditioning material and supplies, roofing material and supplies, window material and supplies, doors, paint, drywall, insulation, cabinets, ceramic material and supplies, flooring, carpeting, appliances, fencing, landscaping and all other materials, supplies and property of every kind and nature. 10 LA/40320695.1 (b) All present and future accounts, general intangibles, chattel paper, contract rights, deposit accounts, instruments and documents as those terms are l defined in the California Commercial Code, now or hereafter relating or arising with respect to the Property and/or the use thereof or any improvements thereto, including without limitation: (i) all rights to the payment of money, including escrow proceeds arising out of the sale or other disposition of all or any portion of the Property; (ii) all architectural, engineering, design and other plans, specifications and drawings relating to the development of the Property and/or any construction thereon; (iii) all use permits, occupancy permits, construction and building permits, and all other permits and approvals required by any governmental or quasi-governmental authority in connection with the development, construction, use, occupancy or operation of the Property; (iv) any and all agreements relating to the development, construction, use, occupancy and/or operation of the Property between Trustor and any contractor, subcontractor, project manager or supervisor, architect, engineer, laborer or supplier of materials; (v) all lease, rental or occupancy agreements and payments received thereunder; (vi) all names under which the Property is now or hereafter known and all rights to carry on business under any such names or any variant thereof; (vii) all trademarks relating to the Property and/or the development, construction, use, occupancy or operation thereof; (viii) all goodwill relating to the Property and/or the development, construction, use, occupancy or operation thereof; (ix) all insurance proceeds and condemnation awards arising out of or incidental to the ownership, development, construction, use, occupancy or operation of the Property; (x) all reserves, deferred payments, deposits, refunds, cost savings, bonds, insurance policies and payments of any kind relating to the Property; (xi) all loan commitments issued to Trustor in connection with any sale or financing of the Property; (xii) all water stock, if any, relating to any Property and all shares of stock or other evidence of ownership of any part of or interest in any Property that is owned by Trustor in common with others; and (xiii) all supplements, modifications and amendments to the foregoing. (c) All fixtures located upon or within the Property or now or hereafter attached to, installed in, or used or intended for use in connection with the Property, including without limitation any and all partitions, generators, screens, awnings, boilers, furnaces, pipes, plumbing, elevators, cleaning, call and sprinkler systems, fire extinguishing apparatus and equipment, water tanks, heating ventilating, air conditioning and air cooling equipment, and gas and electric machinery and equipment. (d) All present and future accessories, additions, attachments, replacements and substitutions of or to any or all of the foregoing. (e) All cash and noncash proceeds and products of any and all of the foregoing, including without limitation all monies, deposit accounts, insurance proceeds and other tangible or intangible property received upon a sale or other disposition of any of the foregoing. 2. Obligations Secured. Trustor makes this grant and assignment for the purpose of securing the following obligations ("Secured Obligations"): 11 LA/40320695.1 i (a) Payment to Beneficiary of all indebtedness at any time owing under the terms of the Agency Property Note; (b) Payment and performance of all obligations of Trustor under this Deed of Trust, the RADDA, and the Agreement Containing Covenants; (c) Payment and performance of all future advances and other obligations of Trustor or any other person, firm, or entity with the approval of Trustor, may agree to pay and/or perform (whether as principal, surety or guarantor) for the benefit of Beneficiary, when the obligation is evidenced by a writing which recites that it is secured by this Deed of Trust; and (d) All modifications, extensions and renewals of any of the obligations secured hereby, however evidenced. 3. Obligations. The term "obligations" is used herein in its broadest and most comprehensive sense and shall be deemed to include, without limitation, all interest and charges, prepayment charges, late charges and fees at any time accruing or assessed on any of the Secured Obligations. 4. Incorporation. All terms of the Agency Property Note and the Secured Obligations are incorporated herein by this reference. All persons who may have or acquire an interest in the Property shall be deemed to have notice of the terms of all of the foregoing documents. 5. Mortgagee-in-Possession. Neither the assignment of rents set forth in the Deed of Trust nor the exercise by Beneficiary of any of its rights or remedies hereunder shall be deemed to make Beneficiary a "mortgagee-in-possession" or otherwise liable in any manner with respect to the Property, unless Beneficiary, in person or by agent, assumes actual possession thereof. Nor shall appointment of a receiver for the Property by any court at the request of Beneficiary or by agreement with Trustor, or the entering into possession of the Property by such receiver, be deemed to make Beneficiary a "mortgagee-in-possession" or otherwise liable in any manner with respect to the Property. 6. No Cure. In the event Beneficiary collects and receives any rents under the Deed of Trust upon any event of default hereof, such collection or receipt shall in no way constitute a curing of such default. 7. Opportunity to Cure. Trustor's failure or delay to perform any term or provision of this Deed of Trust constitutes a default under this Deed of Trust; however, Trustor shall not be deemed to be in default if (i) Trustor cures, corrects, or remedies such default within thirty (30) days after receipt of a notice specifying such failure or delay, or (ii) for such defaults that cannot reasonably be cured, corrected, or remedied within thirty (30) days, if Trustor commences to cure, correct, or remedy such failure or 12 LA/40320695.1 delay within thirty (30) days after receipt of a written notice specifying such failure or delay, and diligently prosecutes such cure, correction or remedy to completion. Beneficiary shall give written notice of default to Trustor, specifying the default complained of by Trustor. Copies of any notice of default given to Trustor shall also be delivered to any permitted lender, if it has requested in writing to receive such notice, and the limited partner of Trustor. Beneficiary may not institute proceedings against Trustor until thirty (30) days after giving such notice or such longer period of time as may be provided herein. In no event shall Beneficiary be precluded from exercising remedies if its security becomes or is about to become materially jeopardized Iby any failure to cure a default. Except as otherwise expressly provided in this Deed of Trust, any failure or delay in giving such notice or in asserting any of its rights and remedies as to any default shall not constitute a waiver of any default, nor shall it change the time of default, nor shall it deprive either party of its rights to institute and maintain any actions or proceedings which it may deem necessary to protect, assert or enforce any such rights or remedies. In the event of any inconsistency in the terms of this Rider and the provisions set forth in the standard deed of trust recorded in the Recorder's Office of the County of Riverside, the terms of this Rider shall control. 8. Possession Upon Default. Subject to Section 7 above, upon the occurrence of a default, and after delivery of notice and the expiration of all applicable cure periods, Beneficiary may, at its option, without any action on its part being required and without in any way waiving such default, take possession of the Property and have, hold, manage, lease and operate the same, on such terms and for such period of time as Beneficiary may deem proper, and may collect and receive all rents and profits, with full power to make, from time to time, all alterations, renovations, repairs or replacements thereto as may seem proper to Beneficiary, and to apply such rents and profits to the payment of (a) the cost of all such alterations, renovations, repairs and replacements, and all costs and expenses incident to taking and retaining possession of the Property, and the management and operation thereof, and keeping the same properly insured; (b) all taxes, charges, claims, assessments, and any other liens which may be prior in lien or payment of the Note, and premiums for insurance, with interest on all such items; and (c) the indebtedness secured hereby, together with all costs and attorney's fees, in such order or priority as to any of such items as Beneficiary in its sole diiscretion may determine, any statute, law, custom or use to the contrary notwithstanding. Any amounts received by Trustor or its agents in the performance of any acts prohibited by the terms of this assignment, including, but not limited to, any amounts received in connection with any cancellation, modification or amendment of any lease prohibited by the terms of this assignment and any rents and profits received b1/ Trustor after the occurrence of a default shall be held by Trustor as trustee for Beneficiary and all such amounts shall be accounted for to Beneficiary and shall not be commingled with other funds of the Trustor. Any person receiving any portion of such 13 LA/40320695.1 trust funds shall receive the same in trust for Beneficiary as if such person had actual or constructive notice that such funds were impressed with a trust in accordance therewith. 9. Receiver. In addition to any and all other remedies of Beneficiary set forth under this Deed of Trust or permitted at law or in equity, if a default shall have occurred, Beneficiary, to the extent permitted by law and without regard to the value, adequacy or occupancy of the security for the Agency Property Note and other sums secured hereby, shall be entitled as a matter of right if it so elects to the appointment of a receiver to enter upon and take possession of the Property and to collect all rents and profits and apply the same as the court may direct, and such receiver may be appointed by any court of competent jurisdiction by ex parte application and without notice, notice of hearing being hereby expressly waived. The expenses, including receiver's fees, attorneys' fees, costs and agent's compensation, incurred pursuant to the power herein contained shall be secured by this Deed of Trust. 10, Security Aqreement. This Deed of Trust also constitutes a Security Agreement with respect to all personal property in which Beneficiary is granted a security interest hereunder, and Beneficiary shall have all of the rights and remedies of a secured party under the Uniform Commercial Code as enacted in California (the "California Uniform Commercial Code") as well as all other rights and remedies available at law or in equity. Trustor hereby agrees to execute and deliver on demand and hereby irrevocably constitutes and appoints Beneficiary the attorney-in-fact of Trustor, to execute, deliver and, if appropriate, to file with the appropriate filing officer or office such security agreements, financing statements, continuation statements or other instruments as Beneficiary may request or require in order to impose, perfect or continue the perfection of, the lien or security interest created hereby. Trustor and Beneficiary agree that the filing of a financing statement in the record normally having to do with personal property shall never be construed as in any way derogating from or impairing the lien of this Deed of Trust and the intention of Trustor and Beneficiary that everything used in connection with the operation or occupancy of the Property is and at all times and for all purposes and in all proceedings, both legal and equitable, shall be regarded as real property or goods which are or are to become fixtures, irrespective of whether (i) any such item is physically attached to the buildings and improvements on the Property; (ii) serial numbers are used for the better identification of certain equipment items capable of being filed by the Beneficiary; or (iii) any such item is referred to or reflected in any such financing statement so filed at any time. Such mention in the financing statements is declared to be for the protection of the Beneficiary in the event any court or judge shall at any time hold that notice of Beneficiary's priority of interest must be filed in the California Commercial Code records to be effective against a particular class of persons, including, but not limited to, the federal government and any subdivision or entity of the federal government. Trustor covenants and agrees to reimburse Beneficiary for any costs incurred in filing such financing statement and any continuation statements. Upon the occurrence of default hereunder, and after delivery of notice and the expiration of all applicable cure periods, Beneficiary shall have the right to cause any of 14 LN40320695 1 the Property which is personal property and subject to the security interest of Beneficiary hereunder to be sold at any one or more public or private sales as permitted by applicable law, and Beneficiary shall further have all other rights and remedies, whether at law, in equity, or by statute, as are available to secured creditors under applicable law, specifically including without limitation the right to proceed as to both the real property and the personal property contained within the Property as permitted by Uniform Commercial Code Section 9501(4), including conducting a unified sale thereof. .Any such disposition may be conducted by an employee or agent of Beneficiary or Trustee. Any person, including both Trustee and Beneficiary, shall be eligible to purchase any part or all of such property at any such disposition. This Deed of Trust constitutes a fixture filing under Sections 9313 and 9402(6) of the California Uniform Commercial Code, as amended or recodified from time to time. 11. Notices, Demands, and Communications. Formal notices, demands, and communications between Trustor and Beneficiary shall be given either by (i) personal service, (ii) delivery by reputable document delivery service such as Federal Express that provides a receipt showing date and time of delivery, or (iii) mailing in the United States mail, certified mail, postage prepaid, return receipt requested, addressed to: To Beneficiary: Community Redevelopment Agency of the City of Palm Springs 3200 E. Tahquitz Canyon Way Palm Springs, California 92262 Attn: Executive Director With a copy to: Aleshire & Wynder, LLP 18881 Von Karman Avenue, Suite 400 Irvine, California 92612 Attn: David J. Aleshire, Esq. To Trustor: VISTA SUNRISE APARTMENTS, L.P., a California limited partnership c/o McCormack Baron Salazar 801 South Grand Ave. Suite 780 Los Angeles, CA. 90017-4635 Attn: Development General Partner With a copy to: VISTA SUNRISE APARTMENTS, L.P., a California limited partnership c/o Coachella Valley AIDS Consortium 1695 North Sunrise Way Palm Springs CA 92262 Attn: Executive Director 15 LA/40320095.1 I I SunAmerica Housing Fund 1305, A Nevada Limited Partnership c/o AIG Retirement Services, Inc. One SunAmerica Center, Century City Los Angeles, California 90067 Attn: Michael Fowler Notices personally delivered or delivered by document delivery service shall be deemed effective upon receipt. Notices mailed shall be deemed effective on the second business day following deposit in the United States mail. Such written notices, demands, and communications shall be sent in the same manner to such other addresses as either party may from time to time designate by mail. 12. Extended Low-Income Housinq Commitment. This Deed of Trust shall be subject to any "extended low-income housing commitment' (as defined in Section 42(h)(6)(B) of Internal Revenue Code of 1986, as amended (the "Code")) (the "Extended Use Agreement") to be recorded in Riverside County, California; provided that under the terms of the Extended Use Agreement, if the Trustor or its successors or :assigns (collectively, the "REO Owner") acquires the Property by foreclosure (or instrument in lieu of foreclosure), then the "extended use period" (as defined in Section 42(h)(6)(D) of the Code) shall terminate, except for the obligation of the REO Owner to comply with the limitations on evictions, termination of tenancy and increase in rents for the three year period following the REO Owner's acquisition of the Property, as set forth in Code Section 42(h)(6)(E)(ii). [SIGNATURES TO FOLLOW] 16 LPJ40320695 1 I IN WITNESS WHEREOF, Trustor has executed this Rider on the date of Trustor's acknowledgment hereinbelow, to be effective for all purposes as of the day and year first set forth above. TRUSTOR: VISTA SUNRISE APARTMENTS, L.P., a California limited partnership By: MBA Urban Development Co. Its Development General Partner By: Its By: Coachella Valley AIDS Consortium, a California nonprofit public benefit corporation Its Managing General Partner By: Its 17 LA40320695.1 EXHIBIT "A" LEGAL DESCRIPTION j Real property located in the City of Palm Springs, County of Riverside, State of California, legally described as: 18 LA/40320696 1 EXHIBIT C Cash Contribution Note $1,300,000.00 Palm Springs, California FOR VALUE RECEIVED, VISTA SUNRISE APARTMENTS, L.P., a California limited partnership ("Maker"), promises to pay the COMMUNITY REDEVELOPMENT AGENCY OF THE CITY OF PALM SPRINGS, a public body, corporate and politic ("Holder") at 3200 E. Tahquitz Canyon Way, Palm Springs, California 92262, or at such other address as Holder may direct from time to time in writing, the sum of One Million Three Hundred Thousand Dollars ($1,300,000.00) (the "Note Amount"), together with interest thereon at the rate set forth herein. All sums payable hereunder shall be payable in lawful money of the United States of America. This Promissory Note ("Agency Note") is made in connection with the provision by the Holder of funds equal to the Agency Note pursuant to that certain Restated and Amended Disposition and Development Agreement by and among Maker and Holder, dated as of February 15, 2005 (the "Agreement"). 1. Interest Rate. The interest rate is zero percent (0%). 2. Term. The term of this Agency Note shall be forty-five years; provided, however, if there is an outstanding balance remaining hereunder at the end of such forty-five year term, then upon the written request by the lender under the MHP Loan, the Agency may extend the term for a period not to exceed 10 years for a total of 55 years. 3. Disbursement. Funds under this Agency Note shall be disbursed as follows: after funding in full of that certain loan in the amount of $850,000 made to Maker from Affordable Housing Program funds (the "AHP Loan"), 46% of monthly draw requests during the construction of the Project. Funds under this Agency Note shall be disbursed in accordance with the procedures contained in Sections 403(2) and (3) of the Agreement; provided, however, the Agency shall pay, or cause to be paid, any approved disbursements under this Agency Note within fifteen (15) business days following the Agency's receipt of the corresponding Application for Disbursement. The remaining 54% of monthly draw requests shall be funded under that certain Amended and Restated Loan Agreement for the Use of Home Funds ("Home Loan Agreement") by and between Maker and the County of Riverside (the "County"); provided, however, the Agency acknowledges and agrees that the County is entitled to retain ten percent (10%) of each disbursement by the County as set forth in the Home Loan Agreement. For clarification purposes the Agency Note is referred to as the "City Loan" in the Home Loan Agreement. 4. Repavment. The principal amount of the Note Amount shall be immediately due and payable upon any default of the Agreement, which is not cured Within the time set forth in Section 801 of the Agreement. 19 LFV40320695 1 The Agency Note shall be repaid on an annual basis solely from one and fifty-five one-hundredths of one percent (1.55%) of the Project's Residual Receipts. Residual Receipts are defined as gross receipts less costs actually incurred for the operation and maintenance of the Project, including, without limitation, auditing and accounting fees, a property management fee not to exceed 6% of gross income, an annual tax credit limited partner asset management fee not to exceed $5,000, an annual managing general partner partnership management fee not to exceed $5,000, an annual incentive management fee to the development general partner of Maker not to exceed $7,500, developer fees, operating costs, reserves, repayment of limited partner loans funded pursuant to Maker's partnership agreement and payments of principal and interest on loans and indebtedness senior to the indebtedness evidenced by this Agency Note and which have been approved by the Agency, including, without limitation, the CaIHFA Loan (as defined below), the Home Loan and the MHP Loan have been completely repaid. The Agency Note shall be subordinated to (i) that certain construction and permanent loan from the California Housing Finance authority (the "CaIHFA Loan"), (ii) the MHP Senior Debt and (iii) the County Home Loan. Available Residual Receipts shall be determined based on a review of financial statements for the project. Quarterly financial statements shall be submitted within 45 days of the close of each quarter of the project fiscal year. In addition, annual audited financial statements shall be submitted within 120 days of the close of the calendar year. All outstanding principal along with accrued interest shall be due and payable on December 31, 2051. The first payment shall be due on December 31, 2007, to the extent of available Residual Receipts, as set forth above. For purposes of this Agency Note, defined terms used in this paragraph but not defined herein shall have the meaning given to such terms in the Home Loan Agreement. 5. Prepayment of Aqencv Note Amount. Maker may prepay to Holder the full Note Amount, at any time prior to the due date of the Note Amount without penalty. 6. Security. This Agency Note is secured by a subordinate deed of trust by and between Maker, as trustor and Holder, as beneficiary (the "Deed of Trust"). 7. Holder May Assiqn. Holder may, at its option, assign its right to receive payment under this Agency Note without necessity of obtaining the consent of the Maker. 8. Maker Assiqnment Prohibited. In no event shall Maker assign or transfer any portion of this Agency Note without the prior express written consent of the Holder, which consent may be given or withheld in the Holder's sole discretion. 9. Attorneys' Fees and Costs. In the event that any action is instituted with respect to this Agency Note, the non-prevailing party promises to pay such sums as a court may fix for court costs and reasonable attorneys' fees. Holder's right to such fees shall not be limited to or by its representation by staff counsel, and such representation shall be valued at customary and reasonable rates for private sector legal services. 20 LA/40320695 1 10. Non-Waiver. Failure or delay in giving any notice required hereunder shall not constitute a waiver of any default or late payment, nor shall it change the time for any default or payment. 11. Successors Bound. This Agency Note shall be binding upon the parties hereto and their respective heirs, successors and assigns. 12. Terms. Any terms not separately defined herein shall have the same meanings as set forth in the Agreement. 13. Non-Recourse. Notwithstanding anything to the contrary herein contained, (i) the liability of Maker shall be limited to its interest in the Site and any rents, issues, and profits arising from the Site and, in addition, with respect to any obligation to hold and apply insurance proceeds, proceeds of condemnation or other monies hereunder, any such monies received by it to the extent not so applied in accordance with the terms of this Note; (ii) no other assets of Maker shall be affected by or subject to being applied to the satisfaction of any liability which Maker may have to Holder or to another person by reason of this Note; and (iii) any judgment, order, decree or other award in favor of Holder shall be collectible only out of, or enforceable in accordance with, the terms of this Note by termination or other extinguishment of Maker's interest in the Site. Notwithstanding the foregoing, it is expressly understood and agreed that the aforesaid limitation on liability shall in no way restrict or abridge Maker's continued personal liability for: (A) fraud or willful or grossly negligent misrepresentation made by Maker in connection with this Note or any of the Agency Agreements; (B) misapplication of (a) proceeds of insurance and condemnation or (b) rent received by Maker under rental agreements entered into for any portion of the Site after default of the Note; (C) the retention by Maker of all advance rentals and security deposits of tenants not refunded to or forfeited by such tenants; or (D) the indemnification undertakings of Maker under the Agency Agreements. [NO FURTHER TEXT] 21 L4/40329695 1 "MAKER" VISTA SUNRISE APARTMENTS, L.P. a California limited partnership By: MBA Urban Development Co. Its Development General Partner Date By: Name: Title: By: Coachella Valley AIDS Consortium, a California nonprofit public benefit corporation Its: Managing General Partner By: Name: Title: "HOLDER" COMMUNITY REDEVELOPMENT AGENCY OF THE CITY OF PALM SPRINGS, a public body, corporate and politic Date By: ATTEST: Chairman Agency Secretary APPROVED AS TO FORM: Special Agency Counsel 22 LA/40320695 1 EXHIBIT D Cash Contribution Deed of Trust RIDER TO DEED OF TRUST WITH ASSIGNMENT OF RENTS THIS RIDER TO DEED OF TRUST WITH ASSIGNMENT OF RENTS ("Rider") is executed this day of , 2005, by VISTA SUNRISE APARTMENTS, L.P., a California limited partnership, herein "Trustor," in favor of the COMMUNITY REDEVELOPMENT AGENCY OF THE CITY OF PALM SPRINGS, a public body, corporate and politic, herein the "Beneficiary,") the same parties to that certain form Deed of Trust With Assignment of Rents, of even date hereto, to which this Rider is attached. This Rider is made a part of and is incorporated into said Deed of Trust. This Rider shall supersede any conflicting term or provision of the form Deed of Trust to which it is attached. Reference is made to the following agreements and documents: (i) Agency Note by and between Trustor and Beneficiary, dated on or about the date set forth above, the epayment of which by Trustor is secured by this Deed of Trust (the "Agency Note"); (ii) Restated and Amended Disposition and Development Agreement by and between Trustor, and Beneficiary, dated February 15, 2005 (the "RADDA"), providing for Trustor's development of the Property; and (iii) Regulatory Agreement and Declaration of Covenants and Restrictions, dated , 2005, by and between Trustor and Beneficiary, providing for the use, operation, and maintenance of the Property ("Agreement Containing Covenants"). The parties hereto agree: 1. Property. The estate subject to this Deed of Trust is Trustor's fee estate in the real property legally described in the Deed of Trust (the "Property"). In addition, Trustor grants to beneficiary a security interest in all of Trustor's rights, title, and interest in and to the following: (a) All present and future inventory and equipment, as those terms are defined in the California Commercial Code, and all other present and future personal property of any kind or nature whatsoever, now or hereafter located at, upon or about the Property or used or to be used in connection with or relating or arising with respect to the Property and/or the use thereof or any improvements thereto, including without limitation all present and future furniture, furnishings, fixtures, goods, tools, machinery, plumbing and plumbing material and supplies, concrete, lumber, hardware, electrical wiring and electrical material and supplies, heating and air conditioning material and supplies, roofing material and supplies, window material and supplies, doors, paint, drywall, insulation, cabinets, ceramic material and supplies, flooring, carpeting, appliances, fencing, landscaping and all other materials, supplies and property of every kind and nature. 23 LA/40320695.1 (b) All present and future accounts, general intangibles, chattel paper, contract rights, deposit accounts, instruments and documents as those terms are defined in the California Commercial Code, now or hereafter relating or arising with respect to the Property and/or the use thereof or any improvements thereto, including without limitation: (i) all rights to the payment of money, including escrow proceeds arising out of the sale or other disposition of all or any portion of the Property; (ii) all architectural, engineering, design and other plans, specifications and drawings relating to the development of the Property and/or any construction thereon; (iii) all use permits, occupancy permits, construction and building permits, and all other permits and approvals required by any governmental or quasi-governmental authority in connection with the development, construction, use, occupancy or operation of the Property; (iv) any and all agreements relating to the development, construction, use, occupancy and/or operation of the Property between Trustor and any contractor, subcontractor, project manager or supervisor, architect, engineer, laborer or supplier of materials; (v) all lease, rental or occupancy agreements and payments received thereunder; (vi) all names under which the Property is now or hereafter known and all rights to carry on business under any such names or any variant thereof; (vii) all trademarks relating to the Property and/or the development, construction, use, occupancy or operation thereof; (viii) all goodwill relating to the Property and/or the development, construction, use, occupancy or operation thereof; (ix) all insurance proceeds and condemnation awards arising out of or incidental to the ownership, development, construction, use, occupancy or operation of the Property; (x) all reserves, deferred payments, deposits, refunds, cost savings, bonds, insurance policies and payments of any kind relating to the Property; (A) all loan commitments issued to Trustor in connection with any sale or financing of i.he Property; (xii) all water stock, if any, relating to any Property and all shares of stock or other evidence of ownership of any part of or interest in any Property that is owned by Trustor in common with others; and (xiii) all supplements, modifications and :amendments to the foregoing. (c) All fixtures located upon or within the Property or now or hereafter attached to, installed in, or used or intended for use in connection with the Property, including without limitation any and all partitions, generators, screens, awnings, boilers, furnaces, pipes, plumbing, elevators, cleaning, call and sprinkler systems, fire extinguishing apparatus and equipment, water tanks, heating ventilating, air conditioning and air cooling equipment, and gas and electric machinery and equipment. (d) All present and future accessories, additions, attachments, replacements and substitutions of or to any or all of the foregoing. (e) All cash and noncash proceeds and products of any and all of the foregoing, including without limitation all monies, deposit accounts, insurance proceeds and other tangible or intangible property received upon a sale or other disposition of any of the foregoing. 2. Obligations Secured. Trustor makes this grant and assignment for the purpose of securing the following obligations ("Secured Obligations"): 24 LA/40320695.1 (a) Payment to Beneficiary of all indebtedness at any time owing under the terms of the Agency Property Note; (b) Payment and performance of all obligations of Trustor under this Deed of Trust, the RADDA, and the Agreement Containing Covenants; (c) Payment and performance of all future advances and other obligations of Trustor or any other person, firm, or entity with the approval of Trustor, may agree to pay and/or perform (whether as principal, surety or guarantor) for the benefit of Beneficiary, when the obligation is evidenced by a writing which recites that it is secured by this Deed of Trust; and (d) All modifications, extensions and renewals of any of the obligations secured hereby, however evidenced. 3. Obligations. The term "obligations" is used herein in its broadest and most comprehensive sense and shall be deemed to include, without limitation, all interest and charges, prepayment charges, late charges and fees at any time accruing or assessed on any of the Secured Obligations. 4. Incorporation. All terms of the Agency Property Note and the Secured Obligations are incorporated herein by this reference. All persons who may have or acquire an interest in the Property shall be deemed to have notice of the terms of all of the foregoing documents. 5. Mortgagee-in-Possession. Neither the assignment of rents set forth in the Deed of Trust nor the exercise by Beneficiary of any of its rights or remedies hereunder shall be deemed to make Beneficiary a "mortgagee-in-possession" or otherwise liable in any manner with respect to the Property, unless Beneficiary, in person or by agent, assumes actual possession thereof. Nor shall appointment of a receiver for the Property by any court at the request of Beneficiary or by agreement with Trustor, or the Entering into possession of the Property by such receiver, be deemed to make Beneficiary a "mortgagee-in-possession" or otherwise liable in any manner with respect to the Property. 6. No Cure. In the event Beneficiary collects and receives any rents under the Deed of Trust upon any event of default hereof, such collection or receipt shall in no way constitute a curing of such default. 7. Opportunity to Cure. Trustor's failure or delay to perform any term or provision of this Deed of Trust constitutes a default under this Deed of Trust; however, Trustor shall not be deemed to be in default if (i) Trustor cures, corrects, or remedies such default within thirty (30) days after receipt of a notice specifying such failure or delay, or (ii) for such defaults that cannot reasonably be cured, corrected, or remedied within thirty (30) days, if Trustor commences to cure, correct, or remedy such failure or 25 LPJ40320695 1 delay within thirty (30) days after receipt of a written notice specifying such failure or delay, and diligently prosecutes such cure, correction or remedy to completion. Beneficiary shall give written notice of default to Trustor, specifying the default complained of by Trustor. Copies of any notice of default given to Trustor shall also be delivered to any permitted lender, if it has requested in writing to receive such notice, and the limited partner of Trustor. Beneficiary may not institute proceedings against Trustor until thirty (30) days after giving such notice or such longer period of time as may be provided herein. In no event shall Beneficiary be precluded from exercising remedies if its security becomes or is about to become materially jeopardized by any failure to cure a default. Except as otherwise expressly provided in this Deed of Trust, any failure or delay in giving such notice or in asserting any of its rights and remedies as to any default shall not constitute a waiver of any default, nor shall it change the time of default, nor shall it deprive either party of its rights to institute and maintain any actions or proceedings which it may deem necessary to protect, assert or enforce any such ights or remedies. In the event of any inconsistency in the terms of this Rider and the provisions set forth in the standard deed of trust recorded in the Recorder's Office of the County of Riverside, the terms of this Rider shall control. 8. Possession Upon Default. Subject to Section 7 above, upon the occurrence of a default, and after delivery of notice and the expiration of all applicable cure periods, Beneficiary may, at its option, without any action on its part being required and without in any way waiving such default, take possession of the Property and have, hold, manage, lease and operate the same, on such terms and for such period of time as Beneficiary may deem proper, and may collect and receive all rents and profits, with full power to make, from time to time, all alterations, renovations, repairs or replacements thereto as may seem proper to Beneficiary, and to apply such rents and profits to the payment of (a) the cost of all such alterations, renovations, repairs and replacements, and all costs and expenses incident to taking and retaining possession of the Property, and the management and operation thereof, and keeping the same properly insured; (b) all taxes, charges, claims, assessments, and any other liens which may be prior in lien or payment of the Note, and premiums for insurance, with interest on all such items; and (c) the indebtedness secured hereby, together with all costs and attorney's fees, in such order or priority as to any of such items as Beneficiary in its sole discretion may determine, any statute, law, custom or use to the contrary notwithstanding. Any amounts received by Trustor or its agents in the performance of any acts prohibited by the terms of this assignment, including, but not limited to, any amounts received in connection with any cancellation, modification or amendment of any lease prohibited by the terms of this assignment and any rents and profits received by Trustor after the occurrence of a default shall be held by Trustor as trustee for Beneficiary and all such amounts shall be accounted for to Beneficiary and shall not be commingled with other funds of the Trustor. Any person receiving any portion of such 26 LN40320695.1 trust funds shall receive the same in trust for Beneficiary as if such person had actual or constructive notice that such funds were impressed with a trust in accordance therewith. 9. Receiver. In addition to any and all other remedies of Beneficiary set forth under this Deed of Trust or permitted at law or in equity, if a default shall have occurred, Beneficiary, to the extent permitted by law and without regard to the value, adequacy or occupancy of the security for the Agency Note and other sums secured hereby, shall be entitled as a matter of right if it so elects to the appointment of a receiver to enter upon and take possession of the Property and to collect all rents and profits and apply the same as the court may direct, and such receiver may be appointed by any court of competent jurisdiction by ex parte application and without notice, notice of hearing being hereby expressly waived. The expenses, including receiver's fees, attorneys' fees, costs and agent's compensation, incurred pursuant to the power herein contained shall be secured by this Deed of Trust. 10. Security Aqreement. This Deed of Trust also constitutes a Security ,Agreement with respect to all personal property in which Beneficiary is granted a security interest hereunder, and Beneficiary shall have all of the rights and remedies of a secured party under the Uniform Commercial Code as enacted in California (the "California Uniform Commercial Code") as well as all other rights and remedies available at law or in equity. Trustor hereby agrees to execute and deliver on demand and hereby irrevocably constitutes and appoints Beneficiary the attorney-in-fact of Trustor, to execute, deliver and, if appropriate, to file with the appropriate filing officer or office such security agreements, financing statements, continuation statements or other unstruments as Beneficiary may request or require in order to impose, perfect or continue the perfection of, the lien or security interest created hereby. Trustor and Beneficiary agree that the filing of a financing statement in the record normally having to do with personal property shall never be construed as in any way derogating from or impairing the lien of this Deed of Trust and the intention of Trustor and Beneficiary that everything used in connection with the operation or occupancy of the Property is and at all times and for all purposes and in all proceedings, both legal and equitable, shall be regarded as real property or goods which are or are to become fixtures, irrespective of whether (i) any such item is physically attached to the buildings and improvements on the Property; (ii) serial numbers are used for the better identification of certain equipment items capable of being filed by the Beneficiary; or (iii) any such item is referred to or reflected in any such financing statement so filed at any time. Such mention in the financing statements is declared to be for the protection of the Beneficiary in the event any court or judge shall at any time hold that notice of Beneficiary's priority of interest must be filed in the California Commercial Code records to be effective against a particular class of persons, including, but not limited to, the federal government and any subdivision or entity of the federal government. Trustor covenants and agrees to reimburse Beneficiary for any costs incurred in filing such financing statement and any continuation statements. Upon the occurrence of default hereunder, and after delivery of notice and the expiration of all applicable cure periods, Beneficiary shall have the right to cause any of 27 LA/40320695 1 the Property which is personal property and subject to the security interest of Beneficiary hereunder to be sold at any one or more public or private sales as permitted by applicable law, and Beneficiary shall further have all other rights and remedies, whether at law, in equity, or by statute, as are available to secured creditors under applicable law, specifically including without limitation the right to proceed as to both the real property and the personal property contained within the Property as permitted by Uniform Commercial Code Section 9501(4), including conducting a unified sale thereof. Any such disposition may be conducted by an employee or agent of Beneficiary or Trustee. Any person, including both Trustee and Beneficiary, shall be eligible to purchase any part or all of such property at any such disposition. This Deed of Trust constitutes a fixture filing under Sections 9313 and 9402(6) of the California Uniform Commercial Code, as amended or recodified from time to time. 11. Notices, Demands, and Communications. Formal notices, demands, and communications between Trustor and Beneficiary shall be given either by (i) personal service, (ii) delivery by reputable document delivery service such as Federal Express that provides a receipt showing date and time of delivery, or (iii) mailing in the United States mail, certified mail, postage prepaid, return receipt requested, addressed to: To Beneficiary: Community Redevelopment Agency of the City of Palm Springs 3200 E. Tahquitz Canyon Way Palm Springs, California 92262 Attn: Executive Director With a copy to: Aleshire & Wynder, LLP 18881 Von Karman Avenue, Suite 400 Irvine, California 92612 Attn: David J. Aleshire, Esq. To Trustor: VISTA SUNRISE APARTMENTS, L.P., a California limited partnership c/o McCormack Baron Salazar 801 South Grand Ave. Suite 780 Los Angeles, CA. 90017-4635 Attn: Development General Partner With a copy to: VISTA SUNRISE APARTMENTS, L.P., a California limited partnership c/o Coachella Valley AIDS Consortium 1695 North Sunrise Way Palm Springs CA 92262 Attn: Executive Director 28 LA/40320695 1 SunAmerica Housing Fund 1305, A Nevada Limited Partnership c/o AIG Retirement Services, Inc. One SunAmerica Center, Century City Los Angeles, California 90067 Attn: Michael Fowler Notices personally delivered or delivered by document delivery service shall be deemed effective upon receipt. Notices mailed shall be deemed effective on the second business day following deposit in the United States mail. Such written notices, demands, and communications shall be sent in the same manner to such other addresses as either party may from time to time designate by mail. 12. Extended Low-Income Housinq Commitment. This Deed of Trust shall be subject to any "extended low-income housing commitment" (as defined in Section 42(h)(6)(B) of Internal Revenue Code of 1986, as amended (the "Code")) (the "Extended Use Agreement") to be recorded in Riverside County, California; provided that under the terms of the Extended Use Agreement, if the Trustor or its successors or assigns (collectively, the "REO Owner") acquires the Property by foreclosure (or instrument in lieu of foreclosure), then the "extended use period" (as defined in Section 42(h)(6)(D) of the Code) shall terminate, except for the obligation of the REO Owner to comply with the limitations on evictions, termination of tenancy and increase in rents for the three year period following the REO Owner's acquisition of the Property, as set forth in Code Section 42(h)(6)(E)(ii). [SIGNATURES TO FOLLOW] 29 LA/40320695.1 IN WITNESS WHEREOF, Trustor has executed this Rider on the date of Trustor's acknowledgment hereinbelow, to be effective for all purposes as of the day and year first set forth above. TRUSTOR: VISTA SUNRISE APARTMENTS, L.P., a California limited partnership By: MBA Urban Development Co. Its Development General Partner By: Its By: Coachella Valley AIDS Consortium, a California nonprofit public benefit corporation Its Managing General Partner By: Its 30 LA140320695.1 EXHIBIT "A" LEGAL DESCRIPTION Real property located in the City of Palm Springs, County of Riverside, State of California, legally described as: 31 LFV40320696 1 EXHIBIT E Requlatory Aqreement FREE RECORDING REQUESTED BY AND WHEN RECORDED MAIL TO: COMMUNITY REDEVELOPMENT AGENCY OF THE CITY OF PALM SPRINGS 3200 E. Tahquitz Canyon Way Palm Springs, CA 92262 Attn: Executive Director (Space Above This Line for Recorder's Office Use Only) REGULATORY AGREEMENT AND DECLARATION OF COVENANTS AND RESTRICTIONS THIS REGULATORY AGREEMENT AND DECLARATION OF COVENANTS AND RESTRICTIONS ("Agreement") is made and entered into this day of 2005, by and between the COMMUNITY REDEVELOPMENT AGENCY OF THE CITY OF PALM SPRINGS, a public body, corporate and politic ('Agency"), the CITY OF PALM SPRINGS, a municipal corporation and charter city ("City"), and VISTA SUNRISE APARTMENTS, L.P., a California limited partnership ("Owner"). RECITALS : A. Pursuant to a Restated and Amended Disposition and Development Agreement by and between Agency and Owner dated February 15, 2005 (the "DDA"), Agency has provided to Owner real property and financial assistance in the amount of approximately One Million Five Hundred Five Thousand Dollars ($1,505,000.00) (collectively, the "Agency Assistance"), all for the purpose of assisting Owner in the acquisition of real property and the development of a residential apartment complex thereon wherein forty nine percent (49%) of the units shall be rented to very low and Dower income households, on that certain real property located in the City of Palm Springs, County of Riverside, State of California, more particularly described in Exhibit "A" attached hereto and incorporated herein by reference (the "Site"). B. Pursuant to the DDA, Owner has agreed to develop, construct, and maintain a rental apartment housing project consisting of eighty (80) total residential units (including one (1) resident manager's unit) (hereinafter referred to collectively as the "Project") on the Site. The Project is also referred to in the DDA as the "Project," and is further described in the Scope of Development attached to the DDA. C. The Agency and the City have fee or easement interests in various streets, sidewalks and other property within the City and are responsible for the LA/40320695.1 I planning and development of land within the City in such a manner so as to provide for the health, safety and welfare of the residents of the City. That portion of the Agency's and City's interest in real property most directly affected by this Agreement is depicted in Exhibit "B" attached hereto and incorporated herein by reference ("Public Parcel"). D. Agency, City, and Owner now desire to place restrictions upon the use and operation of the Project, in order to ensure that forty nine percent (49%) the Project shall be operated continuously as a rental apartment housing project available for rental by very low and lower income persons for the term of this Agreement. E. It is the intent of the parties that the title vested in Owner by the Grant Deed for the Site dated ("Grant Deed"), recorded concurrently herewith in Office of the County Recorder for the County of Riverside be subject to this Regulatory ,Agreement, and that the terms hereof shall be binding on the Owner and its successors in interest in the Site for so long as the Regulatory Agreement shall remain in effect. AGREEMENT : NOW, THEREFORE, the Owner, City, and Agency declare, covenant and agree, by and for themselves, their heirs, executors, administrators and assigns, and all persons claiming under or through them, that the Site shall be held, transferred, encumbered, used, sold, conveyed, leased and occupied, subject to the covenants and restrictions hereinafter set forth, all of which are declared to be in furtherance of a common plan for the improvement and sale of the Site, and are established expressly and exclusively for the use and benefit of the Agency, the residents of the City of Palm Springs, and every person renting a dwelling unit on the Site. A. DEFINITIONS. 1. Affordable Low Income Rent. As used in this Agreement, the term "Affordable Low Income Rent" shall mean annual rentals whose amount does not exceed the maximum percentage of income that can be devoted to rent as set forth by Health & Safety Code Section 50053, or its successor, which is currently thirty percent (30%) of sixty percent (60%) of the Riverside County Median_ Income adjusted for the family size appropriate for the Unit. 2. Affordable Rent. As used in this Agreement, the term "Affordable Rent" shall refer to Affordable Low Income Rent. 3. Affordable Very Low Income Rent. As used in this Agreement, the term "Affordable Very Low Income Rent" shall mean annual rentals whose amount does not exceed the maximum percentage of income that can be devoted to rent as set forth by Health & Safety Code Section 50053, or its successor, which is currently thirty percent (30%) of fifty percent (50%) of the Riverside County Median Income adjusted for the family size appropriate for the Unit. 4. Eligible Tenant. As used in this Agreement, the term "Eligible Tenant" shall refer to a Low Income Tenant. LA/40320695 1 2 5. Riverside County Median Income. For purposes of this Agreement, the "Riverside County Median Income" shall be determined by reference to the regulations published by the California Department of Housing and Community Development pursuant to Health and Safety Code Section 50093, or its successor. 6. Low Income Tenant. As used in this Agreement, the term "Low Income Tenant" shall mean those tenants whose household income does not exceed eighty percent (80%) of the Riverside County Median Income. 7. Project Manaqer. As used in this Agreement, the term "Project Manager" shall refer to that entity, to be designated by Owner and approved by Agency, who shall be responsible for operating and maintaining the Project in accordance with the terms of this Agreement. Prior to Agency's approval, Owner shall act as Project Manager. 8. Resident Manaqer. As used in this Agreement, the term "Resident Manager" shall refer to that individual (or those individuals) who may reside in the (Project and who are responsible for day-to-day management of the Project. 9. Unit. As used in this Agreement, the term "Unit" shall refer to any of the eighty (80) residential units reserved for Eligible Tenants or the Resident Manager. 10. Very Low Income Tenant. As used in this Agreement, the term "Very Low Income Tenant" shall mean those tenants whose income does not exceed fifty percent (50%) of the Riverside County Median Income. B. RESIDENTIAL RENTAL PROPERTY. The Owner hereby agrees that the Project is to be owned, managed, and operated as a project for low income residential rental purposes for a term equal to fifty-five (55) years, commencing upon the date of the recordation of the Certificate of Completion for the Site in accordance with the DDA (the "Term"). To that end, and for the term of this Agreement, the Owner hereby represents, covenants, warrants and agrees as follows: 1. Purpose. The Site is being acquired and the Project constructed for the purpose of providing very low and lower income rental housing and the Owner shall own, manage, and operate the Project as a project to provide very low and lower income rental housing comprised of several interrelated buildings or structures, together with any functionally related and subordinate facilities. 2. Residential Use. None of the Units in the Project will at any time be utilized on a transient basis or used as a hotel, motel, dormitory, fraternity house, sorority house, rooming house, nursing home, hospital, sanitarium, or trailer court or park without the Agency's prior consent which consent may be given or withheld in its sole and absolute discretion. 3. Conversion of Project. No part of the Project will at any time be owned by a cooperative housing corporation, nor shall the Owner take any steps in LA/40320695.1 3 connection with the conversion to such ownership or uses to condominiums, or to any other form of ownership, without the prior written approval of Agency which approval may be given or withheld in its sole and absolute discretion. 4. Preference to Eliqible Tenants. All of the Units will be available for rental in accordance with the terms of this Agreement, and the Owner shall not give preference to any particular class or group in renting the Units in the Project, except to the extent that the Units are required to be leased or rented to Eligible Tenants and except as provided in Section C.6 below. 5. Resident Manaqer. One, and only one, Unit in the Project may be occupied by a Resident Manager. 6. Liability of Owner. Owner and Resident Manager shall not incur any liability under this Agreement as a result of fraud or intentional misrepresentation by a tenant. 7. Restricted Units. The Agency and the City acknowledge and agree that the other lenders for the Project are also restricting the same 49% (or lesser percentage) of the units at the Project and that the most restrictive rents will apply with respect to such units. C. OCCUPANCY OF PROJECT BY ELIGIBLE TENANTS. Owner hereby represents, warrants, and covenants as follows: 1. Occupancy. Except as expressly provided herein, throughout the term of this Agreement the occupancy of the 39 Restricted Units in the Project (excluding the Resident Manager Unit) shall be restricted to Eligible Tenants and qualified members of the Eligible Tenant's household. 2. Expiration of Occupancy and Rent Restrictions. The Units shall be subject to the restrictions contained in this Section C for the Term of this Agreement. All tenants residing in the Units during the final two (2) years of the Term shall be given notice of the expiration of the Term at least once every six (6) months during the final two years. After the expiration of the Term, the rents payable on the Units may be raised to market rates. 3. Rental Rates. Owner hereby agrees to rent those Restricted Units occupied by Low Income Tenants at no greater than Affordable Low Income Rent, and to rent those Units occupied by Very Low Income Tenants at no greater than Affordable Very Low Income Rent, 4. Occupancy By Eligible Tenant. A Unit occupied by an Eligible Tenant shall be treated as occupied by an Eligible Tenant until a recertification of such tenant's income in accordance with Section C.8 below demonstrates that such tenant no Longer qualifies as an Eligible Tenant. LA/40320695.1 4 5. Income Computation Certificate. Immediately prior to an Eligible Tenant's occupancy of a Unit, Owner shall obtain and maintain on file an Income Computation and Certification form (which form shall be approved in advance by the Agency) from each such Eligible Tenant dated immediately prior to the date of initial occupancy in the Project by such Eligible Tenant. In addition, the Owner will provide such further information as may be required in the future by the Agency. Owner shall use its best efforts to verify that the income provided by an applicant is accurate by taking the following steps as a part of the verification process: (i) obtain three (3) pay stubs for the most recent pay periods; (ii) obtain a written verification of income and employment from applicant's current employer; (iii) obtain an income verification form from the Social Security Administration and/or California Department of Social Services if the applicant receives assistance from either agency; (iv) if an applicant is unemployed or did not file a tax return for the previous calendar year, obtain other verification of such applicant's income as is satisfactory to the Agency; or (v) such other information as may be requested by the Agency. A copy of each such Income Computation and Certification shall be filed with the Agency prior to the occupancy of a Unit by an Eligible Tenant whenever possible, but in no event more than thirty (30) days after initial occupancy by said tenant. 6. Rental Priority. During the term of this Agreement, Owner shall use its best efforts to lease vacant Units reserved for Eligible Tenants in the following order of priority: (i) displaced persons entitled to a preference pursuant to California Health and Safety Code Section 33411.3 or successor statute, and (ii) other persons meeting the eligibility requirements of this Agreement. Owner shall and Agency may maintain a list (the "Housing List") of persons who have notified Owner and/or Agency of their desire to rent a Unit in the Project and who have incomes which would qualify them as -an Eligible Tenant, and Owner shall offer to rent Units on the above-referenced priority basis. Should multiple tenants be equally eligible and qualified to rent a Unit, Owner shall rent available Units to Eligible Tenants on a first-come, first-served basis. 7. Rentinq Vacant Units. When a Unit becomes available as a result of a tenant vacation, Owner shall rent the Unit to an Eligible Tenant in accordance with the order of priority set forth in Section C.6. 8. Income Recertification. Immediately prior to the first anniversary date of the occupancy of a Unit by an Eligible Tenant and on each anniversary date thereafter, Owner shall recertify the income of such Eligible Tenant by obtaining a completed Income Computation and Certification based upon the current income of each occupant of the Unit. In the event the recertification demonstrates that such household's income exceeds the income at which such household would qualify as an E=ligible Tenant, such household will no longer qualify as an Eligible Tenant. If the occupants upon recertification do not qualify as an Eligible Tenant, then the occupants' lease shall be terminated in accordance with Section C.9. Owner shall provide the Agency with a copy of each such recertification with the next submission of Certificate of Continuing Program Compliance pursuant to Section C.10. L>/40320595.1 5 9. Terminatinq Ineliqible Tenant. Upon recertification, if an Eligible Tenant has become ineligible under the definition in Section 1, paragraph 6, Owner shall allow such ineligible tenant to occupy the Unit provided the ineligible tenant to occupy the Unit provided the ineligible tenant's income does not exceed one-hundred forty percent (140%) of Area Median Income (AMI). The unit shall be deemed occupied by qualified tenant, but "ineligible tenant" for the purposes of reporting under Section C(10.)(i), Certificate of Continuing Program Compliance. During the period the ineligible tenant occupies the unit, the tenant's rent shall be adjusted to 30% of the tenant's gross income or the maximum rent allowable under Section 42 of the IRC (the "Tax Credit Rent"), whichever is less. If the ineligible tenant's income exceeds 140% of AMI, then Owner shall allow such ineligible tenant to occupy the Unit for a period of twenty-four (24) months ("Grace Period"). The ineligible tenant shall pay rent as adjusted and increased according to California law but not in excess of the Tax Credit Rent. If the ineligible tenant becomes an Eligible Tenant under Section 1, paragraph 6, while remaining a qualified tenant under Section 42, upon recertification during the Grace Period, Owner shall continue to rent the Unit to the Eligible Tenant at the Affordable [Rent of the income category that the Eligible Tenant falls within following recertification. If after the Grace Period the tenant remains ineligible, the ineligible tenant's lease shall not be renewed and such tenant shall be required to vacate the unit in accordance with the laws of California. 10. Certificate of Continuinq Proqram Compliance. Upon the issuance of the Certificate of Completion and annually by January 31 of each year, or at any time upon the written request of Agency, Owner shall advise the Agency of the occupancy of the Project by delivering a Certificate of Continuing Program Compliance in the form attached hereto as Exhibit "C," certifying: (i) the number of Units of the Project which were occupied or deemed occupied pursuant to Section CA by an Eligible Tenant during such period, and (ii) to the knowledge of Owner either (a) no unremedied default has occurred under this Agreement, (b) a default has occurred, in which event the Certificate shall describe the nature of the default and set forth the measures being taken by the Owner to remedy such default. 11. Maintenance of Records. Owner shall maintain complete and accurate records pertaining to the Units, and shall permit any duly authorized representative of the Agency to inspect the books and records of Owner pertaining to the Project including, but not limited to, those records pertaining to the occupancy of the Units. 12. Reliance on Tenant Representations. Each lease shall contain a provision to the effect that Owner has relied on the income certification and supporting information supplied by the tenant in determining qualification for occupancy of the Unit, and that any material misstatement in such certification (whether or not intentional) will be cause for immediate termination of such lease. 13. Conflicts. The leasing preference provision set forth in Section C.6 shall apply only in the event, and to the extent, such provisions are not in conflict with Internal Revenue Code provisions or IRS regulations. LA/40320695.1 6 14. Agency Remedy For Excessive Rent Charqe. a. It shall constitute a default for Owner to charge or accept for a Unit rent amounts in excess of the amount provided for in Section C.3 of this Agreement. In the event that Owner charges or receives such higher rental amounts, in addition to any other remedy Agency shall have for such default, Owner shall be required to pay to Agency the entire amount of rent received in excess of the amount permitted pursuant to this Agreement. b. It shall constitute a default for Owner to rent any Unit to a tenant who is not an Eligible Tenant for the particular Unit pursuant to the rental rate requirements set forth in Section C.3 of this Agreement. In the event Owner rents a Unit to an ineligible tenant, in addition to any other equitable remedy Agency shall have for such default, Owner, for each separate violation shall be required to pay to Agency an amount equal to (i) two times the greater of (A) the total rent Owner received from such ineligible tenant, or (B) the total rent Owner was entitled to receive for renting that Unit, plus (ii) any relocation expenses incurred by Agency or City as a result of Owner having rented to such ineligible person. C. It shall constitute a default for Owner to rent any of the Units in violation of the leasing preference requirements of Sections C.6 of this Agreement. In the event Owner rents a Unit in violation of the leasing preference requirements, in addition to any other equitable remedy Agency shall have for such default, Owner, for each separate violation shall be required to pay Agency an amount equal to two (2) months of rental charges for the Unit with the highest rent. The terms of this Section C.14 shall not apply if Owner rents to an ineligible person as a result of such person's fraud or misrepresentation. THE PARTIES HERETO AGREE THAT THE AMOUNTS SET FORTH IN SUBPARAGRAPHS (a) THROUGH (c) OF THIS SECTION C.14 (THE "DAMAGE AMOUNTS") CONSTITUTE A REASONABLE APPROXIMATION OF THE ACTUAL DAMAGES THAT AGENCY WOULD SUFFER DUE TO THE DEFAULTS BY OWNER ;iET FORTH IN SUBPARAGRAPHS (a) THROUGH (c), CONSIDERING ALL OF THE CIRCUMSTANCES EXISTING ON THE EFFECTIVE DATE OF THIS AGREEMENT, INCLUDING THE RELATIONSHIP OF THE DAMAGE AMOUNTS TO THE RANGE OF HARM TO AGENCY AND ACCOMPLISHMENT OF AGENCY'S PURPOSE OF ASSISTING IN THE PROVISION OF AFFORDABLE HOUSING TO ELIGIBLE TENANTS THAT REASONABLY COULD BE ANTICIPATED AND THE ANTICIPATION THAT PROOF OF ACTUAL DAMAGES WOULD BE COSTLY OR INCONVENIENT. THE AMOUNTS SET FORTH IN THIS SECTION C.14 SHALL BE THE SOLE MONETARY DAMAGES REMEDY FOR THE DEFAULTS SET FORTH IN THIS SECTION C.14, BUT NOTHING IN THIS SECTION C.14 SHALL BE INTERPRETED TO LIMIT AGENCY'S REMEDY FOR SUCH DEFAULT TO SUCH A DAMAGES REMEDY. IN PLACING ITS INITIAL AT THE PLACES PROVIDED HEREINBELOW, EACH PARTY SPECIFICALLY CONFIRMS THE ACCURACY OF THE STATEMENTS MADE ABOVE AND THE FACT THAT EACH PARTY HAS BEEN REPRESENTED BY COUNSEL WHO HAS EXPLAINED THE CONSEQUENCES OF THE LIQUIDATED LA/40320695.1 7 i DAMAGES PROVISION AT OR PRIOR TO THE TIME EACH EXECUTED THIS AGREEMENT. I OWNER'S INITIALS: AGENCY'S INITIALS: 15. Section 8 Tenants. Owner shall accept as tenants on the same basis as all other Eligible Tenants, persons who are recipients of federal certificates for Trent subsidies pursuant to the existing program under Section 8 of the United States Housing Act of 1937, or its successor. Owner shall not apply selection criteria to Section 8 certificate holders that are more burdensome than criteria applied to all other Eligible Tenants. D. MAINTENANCE. 1. Maintenance Obliqation. Owner, for itself and its successors and assigns, hereby covenants and agrees to maintain and repair or cause to be maintained and repaired the Site and all related on-site improvements and landscaping thereon, including, without limitation, buildings, parking areas, lighting, signs and walls in a first class condition and repair, free of rubbish, debris and other hazards to persons using the same, and in accordance with all applicable laws, rules, ordinances and regulations of all federal, state, and local bodies and agencies having jurisdiction, at Owner's sole cost and expense. Such maintenance and repair shall include, but not be limited to, the following: (i) sweeping and trash removal; (ii) the care and replacement of all shrubbery, plantings, and other landscaping in a healthy condition; and (iii) the repair, replacement and restriping of asphalt or concrete paving using the same type of material originally installed, to the end that such pavings at all times be kept in a level and smooth condition. In addition, Owner shall be required to maintain the Property in :such a manner as to avoid the reasonable determination of a duly authorized official of the City that a public nuisance has been created by the absence of adequate maintenance such as to be detrimental to the public health, safety or general welfare or that such a condition of deterioration or disrepair causes appreciable harm or is materially detrimental to property or improvements within one thousand (1,000) feet of such portion of the Site. 2. Parkinq and Driveways. The driveways and traffic aisles on the Site shall be kept clear and unobstructed at all times. No vehicles or other obstruction shall project into any of such driveways or traffic aisles. Vehicles associated with the operation of the Site, including delivery vehicles, vehicles of employees and vehicles of persons with business on the Site shall park solely on the Site. 3. Tenant Compliance. Owner shall provide any proposed tenants of any portion of the Site with a copy of this Agreement and shall, prior to entering into any lease agreement, have the proposed tenant execute an affidavit agreeing to comply with the provisions of this Agreement. All lease agreements shall be in writing and shall contain provisions which make compliance with the conditions of this Agreement express covenants of the lease. LIU40320695.1 8 4. Right of Entry. In the event Owner fails to maintain the Site in the above-mentioned condition, and satisfactory progress is not made in correcting the condition within thirty (30) days from the date of written notice from Agency, City or Agency may, at their option, and without further notice to Owner, declare the unperformed maintenance to constitute a public nuisance. Thereafter, either Agency or City, their employees, contractors or agents, may cure Owner's default by entering upon the Site and performing the necessary landscaping and/or maintenance. The Agency or City shall give Owner, its representative or the residential manager reasonable notice of the time and manner of entry, and entry shall only be at such times and in such manner as is reasonably necessary to carry out this Regulatory Agreement. Owner shall pay such costs as are reasonably incurred by Agency or City for such maintenance, including attorneys' fees and costs. 5. Lien. If such costs are not reimbursed within thirty (30) days after Owner's receipt of notice thereof, the same shall be deemed delinquent, and the amount thereof shall bear interest thereafter at a rate of the lower of ten percent (10%) per annum or the legal maximum until paid. Any and all delinquent amounts, together with said interest, costs and reasonable attorney's fees, shall be an obligation of Owner as well as a lien and charge, with power of sale, upon the property interests of Owner, and the rents, issues and profits of such property. City and/or Agency may bring an action at law against Owner obligated to pay any such sums or foreclose the lien against Owner's property interests. Any such lien may be enforced by sale by the City or Agency following recordation of a Notice of Default of Sale given in the manner and time required by law as in the case of a deed of trust; such sale to be conducted in accordance with the provisions of Section 2924, et seq., of the California Civil Code, applicable to the exercise of powers of sale in mortgages and deeds of trust, or in any other manner permitted by law. Any monetary lien provided for herein shall be subordinate to any bona fide mortgage or deed of trust covering an ownership interest or leasehold or subleasehold estate in and to any Site approved by Agency pursuant to the DDA, and any purchaser at any foreclosure or trustee's sale (as well as any deed or assignment in lieu of foreclosure or trustee's sale) under any such mortgage or deed of trust shall take title free from any such monetary lien, but otherwise subject to the provisions hereof; provided that, after the foreclosure of any such mortgage and/or deed of trust, all other assessments provided for herein to the extent they relate to the expenses incurred subsequent to such foreclosure, assessed hereunder to the purchaser at the foreclosure sale, as owner of the subject Site after the date of such foreclosure sale, shall become a lien upon such Site upon recordation of a Notice of Assessment or Notice of Claim of Lien as herein provided. E. MANAGEMENT. 1. Approval of Project Manaqer; Desiqnation of Resident Manaqer. Subject to the terms and conditions contained hereinbelow, Owner shall at all times during the operation of the Project pursuant to this Agreement retain an entity to perform the management and/or supervisory functions ("Project Manager") with respect L/V40320695.1 9 to the operation of the Project including day-to-day administration, maintenance and repair. Owner shall, before execution or any subsequent amendment or replacement thereof, submit and obtain Agency's written approval of a management contract ("Management Contract") entered into between Owner and a Project Manager acceptable to Agency. Subject to any regulatory or licensing requirements of any other applicable governmental agency, the Management Contract may be for a term of up to fifteen (15) years and may be renewed for successive terms in accordance with its terms, but may not be amended or modified without the written consent of Agency. The Management Contract shall also provide that the Project Manager shall be subject to termination for failure to meet project maintenance and operational standards set forth herein or in other agreements between Owner and Agency. Owner shall promptly terminate any Project Manager which commits or allows such failure, unless the failure is cured within a reasonable period in no event exceeding 60 days from Project Manager's receipt of notice of the failure from Owner or Agency. Owner's obligation to retain a Project Manager shall remain in force and effect for the same duration as the use covenants set forth in Section B of this Agreement. Notwithstanding anything to the contrary in this Section, the Project may be self-managed by Owner with the prior approval of the Agency Executive Director. Any change in the Project Manager shall be :approved, in writing, by the Executive Director, which approval shall not be unreasonably withheld. In addition to the Project Manager, one Resident Manager shall be designated as necessary by Owner or Project Manager, with written notice to Agency of the Resident Manager's name, address and telephone number. 2. Serious Mismanaqement. In the event of "Serious Mismanagement" (as that term is defined below) of the Project, Agency shall have the authority to require that such Serious Mismanagement cease immediately, and further to require the immediate replacement of the Project Manager or Resident Manager. For purposes of this Agreement the term "Serious Mismanagement" shall mean management of the Project in a manner which violates the terms and/or intent of this Agreement and/or the Management Contract to operate an affordable housing complex of the highest standard, and shall include, but is not limited to, the following: a. Knowingly leasing to ineligible tenants or tenants whose income exceeds the prescribed levels; b. Knowingly allowing the tenants to exceed the prescribed occupancy levels without taking immediate steps to stop such overcrowding; C. Repeatedly failing to timely maintain the Project and the Site in the manner required by this Agreement; d. Failing to timely submit the reports as required by this Agreement or failing to submit materially complete reports; LN40320695.1 10 e. Fraud in connection with any document or representation relating to this Agreement or embezzlement of Project monies; and f. Failing to fully cooperate with the City's Police Department in maintaining a crime-free environment on the Site. G. COMPLIANCE WITH LAWS. 1. State and Local Laws. Owner shall comply with all ordinances, regulations and standards of the City and Agency applicable to the Site. Owner shall comply with all rules and regulations of any assessment district of the City with jurisdiction over the Site. 2. Lease Approval. Agency shall have the right but is not required to approve any lease forms, revisions, amendments or modification made to same, used by the Project Manager or Resident Manager for leasing Units within the Site. H. INSURANCE. 1. Duty to Procure Insurance. Owner covenants and agrees for itself, and its assigns and successors-in-interest in the Site that from completion of the Project as evidenced by City's issuance of a certificate of occupancy, and continuing thereafter until the expiration of the Term of this Agreement, Owner or such successors and assigns shall procure and keep in full force and effect or cause to be procured and kept in full force and effect for the mutual benefit of Owner and Agency, and shall provide Agency evidence reasonably acceptable to Executive Director, insurance policies meeting the minimum requirements set forth below: a. Commercial General Liability insurance with respect to the Site and the operations of or on behalf of Owner, in an amount not less than Two Million Dollars ($2,000,000) per occurrence combined single limit including products, completed operations, contractual, bodily injury, personal injury, death and property damage liability per occurrence, subject to such increases in amount as Agency may reasonably require from time to time. The insurance to be provided by Owner may provide for a deductible or self-insured retention of not more than Ten Thousand Dollars ($10,000), with such maximum amount to increase at the same rate as the periodic increases in the minimum amount of total insurance coverage set forth above. b. With respect to the improvements and any fixtures and furnishings to be owned by Owner on the Site, All Risk Property insurance against fire, extended coverage, vandalism, and malicious mischief, and such other additional perils, hazards, and risks as now are or may be included in the standard "all risk" form in general use in Riverside County, California, with the standard form fire insurance coverage in an amount equal to full actual replacement cost thereof, as the same may change from time to time. The above insurance policy or policies shall not require coverage for earthquake. Agency shall be a loss payee under such policy or policies and such insurance shall contain a replacement cost endorsement. LN40320695 1 11 C. All policies of insurance required to be carried by Owner shall be written by responsible and solvent insurance companies licensed in the State of California and having a policy-holder's rating of A or better, in the most recent edition of "Best's Key Rating Guide -- Property and Casualty." A copy of each paid-up policy Evidencing such insurance (appropriately authenticated by the insurer) or a certificate of the insurer, certifying that such policy has been issued, providing the coverage required herein, and containing the provisions specified herein, shall be delivered to Agency prior to its issuance of the Certificate of Completion for the Project and thereafter, upon renewals, not less than thirty (30) days prior to the expiration of coverage. Agency may, cat any time, and from time to time, inspect and/or copy any and all insurance policies required to be procured by Owner hereunder. In no event shall the limits of any policy be considered as limiting the liability of Owner hereunder. d. Each insurance policy required to be carried by Owner pursuant to this Agreement shall contain the following endorsements, provisions or clauses: (1) The insurer will not cancel or materially alter the coverage provided by such policy in a manner adverse to the interest of the insured without first giving Agency a minimum of thirty (30) days prior written notice by certified mail, return receipt requested; and (2) A waiver by the insurer of any right to subrogation against Agency, its agents, employees, or representatives, which arises or might arise by reason of any payment under such policy or policies or by reason of any act or omission of Agency, its agents, officers, members, officials, employees, or representatives. (3) The City, Agency, their respective agents, officers, members, officials, employees, volunteers, and representatives shall be named insureds on the Commercial General Liability policies. (4) The City and Agency shall be loss payees on the All Risk Property insurance policies. (5) Coverage provided by these policies shall be primary and non-contributory to any insurance carried by the City, Agency, their officers, officials, employees, volunteers, agents, or representatives. (6) Failure to comply with reporting provisions shall not affect coverage provided to City, Agency, their officers, employees, volunteers, agents, or representatives. 2. Failure to Procure Insurance. If Owner fails to procure and maintain the above-required insurance despite its availability, then Agency, in addition to any other remedy which Agency may have hereunder for Owner's failure to procure, maintain, and/or pay for the insurance required herein, may (but without any obligation to do so) at any time or from time to time, after thirty (30) days written notice to Owner, LA/40320695.1 12 procure such insurance and pay the premiums therefor, in which event Owner shall immediately repay Agency all sums so paid by Agency together with interest thereon at the maximum legal rate. I. OBLIGATION TO REPAIR. 1. Obligation to Repair and Restore Damaqe Due to Casualty Covered by Insurance. Subject to Section 1.3 below, if the Project shall be totally or partially destroyed or rendered wholly or partly uninhabitable by fire or other casualty required to be insured against by Owner, Owner shall promptly proceed to obtain insurance proceeds and take all steps necessary to begin reconstruction and, irnmediately upon receipt of insurance proceeds, to promptly and diligently commence the repair or replacement of the Project to substantially the same condition as the Project is required to be maintained in pursuant to this Agreement, whether or not the insurance proceeds are sufficient to cover the actual cost of repair, replacement, or restoration, and Owner shall complete the same as soon as possible thereafter so that the Project can continue to be operated and occupied as an affordable housing project in accordance with this Agreement. Subject to extensions of time for "force majeure" events described in the DDA, in no event shall the repair, replacement, or restoration period exceed one (1) year from the date Owner obtains insurance proceeds unless Agency's Executive Director, in his or her sole and absolute discretion, approves a longer period of time. Agency shall cooperate with Owner, at no expense to Agency, in obtaining any governmental permits required for the repair, replacement, or restoration. If, however, the then-existing laws of any other governmental agencies or lenders with jurisdiction over the Property do not permit the repair, replacement, or restoration, Owner may elect not to repair, replace, or restore the Project by giving notice to Agency (in which event Owner shall be entitled to all insurance proceeds but Owner shall be required to remove all debris from the Site) or Owner may reconstruct such other improvements on the Site as are consistent with applicable land use regulations and approved by the City, Agency, and the other governmental agency or agencies with jurisdiction. If Owner fails to obtain insurance as required by the DDA or this Agreement (and Agency has not procured such insurance and charged Owner for the cost), Owner shall be obligated to reconstruct and repair any partial or total damage to the Project and improvements located on the Site in accordance with this Section 1.1. 2. Continued Operations. During any period of repair, Owner shall continue, or cause the continuation of, the operation of the Project to the extent reasonably practicable from the standpoint of prudent business management. 3. Damage or Destruction Due to Cause Not Required to be Covered by Insurance. If the improvements comprising the Project are completely destroyed or substantially damaged by a casualty for which Owner is not required to (and has not) insure against, then Owner shall not be required to repair, replace, or restore such improvements and may elect not to do so by providing Agency with written notice of election not to repair, replace, or restore within ninety (90) days after such substantial LUN40320695 1 13 damage or destruction. In such event, Owner shall remove all debris from the Property. As used in this Section 1.3, "substantial damage" caused by a casualty not required to be (and not) covered by insurance shall mean damage or destruction which is fifty percent (50%) or more of the replacement cost of the improvements comprising the Project. In the event Owner does not timely elect not to repair, replace, or restore the improvements as set forth in the first sentence of this Section 1.3, Owner shall be conclusively deemed to have waived its right not to repair, replace, or restore the improvements and thereafter Owner shall promptly commence and complete the repair, replacement, or restoration of the damaged or destroyed improvements in accordance with Section 1.1 above and continue operation of the apartment complex during the period of repair (if practicable) in accordance with Section 1.2 above. J. LIMITATION ON TRANSFERS. The Owner covenants that Owner shall not transfer the Site or any of its interests therein except as provided in this Section. 1. Transfer Defined. As used in this Section, the term "Transfer" shall include any assignment, hypothecation, mortgage, pledge, conveyance, or encumbrance of this Agreement, the Site, or the improvements thereon. A Transfer shall also include the transfer to any person or group of persons acting in concert of more than twenty-five percent (25%) (in the aggregate) of the present ownership and/or control of any person or entity constituting Owner or its general partners, taking all transfers into account on a cumulative basis, except transfers of such ownership or control interest between members of the same immediate family, or transfers to a trust, testamentary or otherwise, in which the beneficiaries are limited to members of the transferor's immediate family, or among the entities constituting Owner or its general partners or their respective shareholders. In the event any entity constituting Owner, its successor or the constituent partners of Owner or any successor of Owner, is a corporation or trust, such transfer shall refer to the transfer of the issued and outstanding capital stock of such corporation, of beneficial interests of such trust; in the event that any entity constituting Owner, its successor or the constituent partners of Owner or any successor of Owner is a limited or general partnership, such transfer shall refer to the transfer of more than twenty-five percent (25%) of such limited or general partnership interest; in the event that any entity constituting Owner, its successor or the constituent partners of Owner or any successor of Owner is a joint venture, such transfer shall refer to the transfer of more than twenty-five percent (25%) of the ownership and/or control of any such joint venture partner, taking all transfers into account on a cumulative basis. 2. Agency Approval of Transfer Required. Owner shall not Transfer the Site or any of Owner's rights hereunder, or any interest in the Site or in the improvements thereon, directly or indirectly, voluntarily or by operation of law, except as provided below, without the prior written approval of Agency, and if so purported to be Transferred, the same shall be null and void. In considering whether it will grant approval of any Transfer by Owner of its interest in the Site, Agency shall consider factors such as (i) whether the completion and operation of the Project is jeopardized; (ii) the financial credit, strength, and capability of the proposed transferee to perform Owner's obligations hereunder; and (iii) the proposed transferee's experience and LA/40320695 1 14 expertise in the planning, financing, development, ownership, and operation of similar projects. In the absence of specific written agreement by Agency, no transfer by Owner of all or any portion of its interest in the Site (including without limitation a transfer not requiring Agency approval hereunder) shall be deemed to relieve it or any successor party from the obligation to complete the Project or any other obligations under this Agreement. In addition, no attempted transfer of any of Owner's obligations hereunder shall be effective unless and until the successor party executes and delivers to Agency an assumption agreement in a form approved by the Agency assuming such obligations. 3. Exceptions. The foregoing prohibition shall not apply to any of the following: (a) Any mortgage, deed of trust, sale/lease-back, or other form of conveyance for financing, but Owner shall notify Agency in advance of any such mortgage, deed of trust, or other form of conveyance for financing pertaining to the Site. (b) Any mortgage, deed of trust, sale/lease-back, or other form of conveyance for restructuring or refinancing of any amount of indebtedness described in subsection (a) above, provided that the amount of indebtedness incurred in the restructuring or refinancing does not exceed the outstanding balance on the debt incurred to finance the acquisition of the Site and construction of improvements on the Site, including any additional costs for completion of construction, whether direct or indirect, based upon the estimates of architects and/or contractors. (c) After recordation of the Certificate of Completion, any mortgage, deed of trust, sale/lease-back, or other form of conveyance for financing provided that the principal amount of the loan does not exceed eighty-five percent (85%) of the value of the land and improvements thereon. (d) The granting of easements to any appropriate governmental agency or utility to facilitate the development of the Site. (e) A sale or transfer resulting from or in connection with a reorganization as contemplated by the provisions of the Internal Revenue Code of 1986, as amended or otherwise, in which the ownership interests of a corporation are assigned directly or by operation of law to a person or persons, firm or corporation which acquires the control of the voting capital stock of such corporation or all or substantially all of the assets of such corporation. (f) A transfer of twenty-five percent (25%) or more ownership interest to a member of the transferor's immediate family, a trust, testamentary or otherwise, in which immediate family members of the transferor are the sole beneficiaries, or a corporation or partnership in which the immediate family members or shareholders of the transferor have controlling majority interest of more than fifty percent (50%). LN40320695.1 15 (g) A change in the respective percentage ownership interests exclusively of the present owners of Owner (as of the date of this Agreement), but this shall not authorize the transfer of any interest to any person or entity who is not a present owner of Owner. (h) A sale or transfer to a Qualified Tax Credit Investor. (i) Notwithstanding anything to the contrary contained in this Agreement, Developer shall have the right, at its option, to have the Site granted from Agency to a nonprofit general partner who is subsequently admitted to the Developer. 0) A sale or transfer of general partner interests to a nonprofit general partner. (k) (i) The pledge by the general partner of Developer to the limited partner of Developer of the general partner's partnership interest pursuant to Developer's limited partnership agreement, (ii) any transfer of a limited partnership interest in Developer by the limited partner of Developer to an affiliate of such limited partner, (iii) any transfer of a partnership interest in the entity that is the limited partner of Developer and (iv) any transfer of a general partnership interest in Developer to the limited partner of Developer or to an affiliate thereof in connection with the removal of the general partner of Developer pursuant to Developer's limited partnership agreement. K. ENCUMBRANCES PROHIBITED. Prior to issuance of the Certificate of Completion by Agency as provided in the DDA, the Grantee shall not place or suffer to be placed on the Site any lien or encumbrance other than mortgages, deeds of trust, sales and leases back or any other form of conveyance required for financing of the acquisition of the Site, the construction of improvements on the Site, and any other expenditures necessary and appropriate to develop the Site, except as specifically provided in the DDA and attachments thereto. L. ENFORCEMENT. In the event Owner defaults in the performance or observance of any covenant, agreement or obligation of Owner pursuant to this Agreement, and if such default remains uncured for a period of thirty (30) days after written notice thereof shall have been given by Agency, or, in the event said default cannot be cured within said time period, Owner has failed to commence to cure such default within said thirty (30) days and thereafter fails to diligently prosecute said cure to completion, then Agency shall declare an "Event of Default" to have occurred hereunder, and, at its option, may take one or more of the following steps: 1. By mandamus or other suit, action or proceeding at law or in equity, require Owner to perform its obligations and covenants hereunder or enjoin any acts or things which may be unlawful or in violation of this Agreement; or 2. Take such other action at law or in equity as may appear necessary or desirable to enforce the obligations, covenants and agreements of Owner hereunder; or UV40320695.1 16 3. Enter the Site and cure the Event of Default as provided in Section E hereof. 4. Impose, through Agency's Executive Director, an administrative fine for each day the violation continues. The amount of the fine shall be Twenty-Five dollars ($25.00) per day, unless the violation is deemed a major violation, in which case the fine shall be Seventy-Five dollars ($75.00) per day. A "major" violation shall be one which affects adjacent property or the health and safety of persons. Owner may appeal the assessment of any fine to the City Council who may reverse, modify or uphold the decision of the Executive Director. In making this decision, the City Council shall determine whether the violation exists and whether the amount of the fine is appropriate under the circumstances. Except as otherwise expressly stated in this Agreement, the rights and remedies of the parties are cumulative, and the exercise by any party of one or more of its rights or remedies shall not preclude the exercise by it, at the same or different times, of any other rights or remedies for the same default or any other default by another party. M. NONDISCRIMINATION. There shall be no discrimination against or segregation of any person, or group of persons, on account of race, color, creed, religion, sex, marital status, national origin or ancestry in the sale, lease, sublease, transfer, use, occupancy, tenure or enjoyment of the Site, or any part thereof, nor shall Owner, or any person claiming under or through it, establish or permit any such practice or practices of discrimination or segregation with. reference to the selection, location, number, use or occupancy of tenants, lessees, subtenants, sublessees or vendees of the Site, or any part thereof (except as permitted by this Agreement). N. FORM OF NONDISCRIMINATION CLAUSES IN AGREEMENTS. Subject to the tenancy/occupancy restrictions not prohibited by federal law as embodied in the DDA, which may modify the following nondiscrimination clauses, the following shall apply: Owner shall refrain from restricting the rental, sale, or lease of any portion of the Site on the basis of race, color, creed, religion, sex, marital status, age, physical or mental disability, ancestry, or national origin of any person. All such deeds, leases, or contracts shall contain or be subject to substantially the following nondiscrimination or nonsegregation clauses: a. Deeds: In deeds the following language shall appear: "The grantee herein covenants by and for itself, its heirs, executors, administrators, and assigns, and all persons claiming under or through them, that there shall be no discrimination against or segregation of any person or group of persons on account of race, color, creed, religion, sex, marital status, age, physical or mental disability, ancestry, or national origin in the sale, lease, rental, sublease, transfer, use, occupancy, tenure, or enjoyment of the land herein conveyed, nor shall the grantee itself, or any persons claiming under or through it, establish or permit any such practice or practices of discrimination or segregation with reference to the selection, location, number, use, or occupancy of tenants, lessees, subtenants, sublessees, or vendees in the land herein conveyed. The foregoing covenants shall run with the land." LFV40320095.1 17 b. Leases: In leases the following language shall appear: "The lessee herein covenants by and for itself, its heirs, executors, administrators, successors, and assigns, and all persons claiming under or through them, and this lease is made and accepted upon and subject to the following conditions: "That there shall be no discrimination against or segregation of any person or group of persons on account of race, color, creed, religion, sex, marital status, age, physical or mental disability, ancestry, or national origin in the leasing, subleasing, renting, transferring, use, occupancy, tenure, or enjoyment of the land herein leased nor shall the lessee itself, or any person claiming under or through it, establish or permit any such practice or practices of discrimination or segregation with reference to the selection, location, number, use, or occupancy of tenants, lessees, sublessees, subtenants, or vendees in the land herein leased." C. Contracts: In contracts the following language shall appear: "There shall be no discrimination against or segregation of any person or group of persons on account of race, color, creed, religion, sex, marital status, age, physical or mental disability, ancestry, or national origin in the sale, lease, rental, sublease, transfer, use, occupancy, tenure, or enjoyment of the land, nor shall the transferee itself, or any person claiming under or through it, establish or permit any such practice or practices of discrimination or segregation with reference to the selection, location, number, use, or occupancy of tenants, lessees, subtenants, sublessees, or vendees of the land." The foregoing nondiscrimination covenants shall remain in effect in perpetuity. O. COVENANTS TO RUN WITH THE LAND. Owner hereby subjects the Site to the covenants, reservations, and restrictions set forth in this Agreement. Agency and Owner hereby declare their express intent that all such covenants, reservations, and restrictions shall be deemed covenants running with the land and shall pass to and be binding upon the Owner's successors in title to the Site; provided, however, that on the termination of this Agreement said covenants, reservations and restrictions shall expire. All covenants without regard to technical classification or designation shall be binding for the benefit of the Agency, and such covenants shall run in favor of the Agency for the entire term of this Agreement, without regard to whether the Agency is or remains an owner of any land or interest therein to which such covenants relate. Each and every contract, deed or other instrument hereafter executed covering or conveying the Site or any portion thereof shall conclusively be held to have been executed, delivered and accepted subject to such covenants, reservations, and restrictions, regardless of whether such covenants, reservations, and restrictions are set forth in such contract, deed or other instrument. Agency and Owner hereby declare their understanding and intent that the burden of the covenants set forth herein touch and concern the land in that Owner's legal interest in the Site is rendered less valuable thereby. Agency and Owner hereby further declare their understanding and intent that the benefit of such covenants touch and concern the land by enhancing and increasing the enjoyment and use of the Project by LA140320695.1 is Eligible Tenants, the intended beneficiaries of such covenants, reservations, and restrictions, and by furthering the public purposes for which the Agency was formed. Owner, in exchange for the Agency entering into the DDA, hereby agrees to hold, sell, and convey the Site subject to the terms of this Agreement. Owner also grants to the Agency and the City the right and power to enforce the terms of this Agreement against the Owner and all persons having any right, title or interest in the Site or any part thereof, their heirs, successive owners and assigns. P. INDEMNIFICATION. Owner agrees for itself and its successors and assigns to indemnify, defend, and hold harmless Agency, City, and their respective officers, members, officials, employees, agents, volunteers, and representatives from and against any loss, liability, claim, or judgment relating in any manner to the Project excepting only any such loss, liability, claim, or judgment arising out of the intentional wrongdoing or gross negligence of Agency, City, or their respective officers, officials, employees, members, agents, volunteers, or representatives. Owner, while in possession of the Site, and each successor or assign of Owner while in possession of the Site, shall remain fully obligated for the payment of property taxes and assessments in connection with the Site. The foregoing indemnification, defense, and hold harmless agreement shall only be applicable to and binding upon the party then owning the Site or applicable portion thereof. Q. ATTORNEYS' FEES. In the event that a party to this Agreement brings an action against the other party hereto by reason of the breach of any condition, covenant, representation or warranty in this Agreement, or otherwise arising out of this Agreement, the prevailing party in such action shall be entitled to recover from the other reasonable expert witness fees, and its reasonable attorney's fees and costs. Attorney's fees shall include attorney's fees on any appeal, and in addition a party entitled to attorney's fees shall be entitled to all other reasonable costs for investigating such action, including the conducting of discovery. R. AMENDMENTS. This Agreement shall be amended only by a written instrument executed by the parties hereto or their successors in title, and duly recorded in the real property records of the County of Riverside. S. NOTICE. Any notice required to be given hereunder shall be made in writing and shall be given by personal delivery, certified or registered mail, postage prepaid, return receipt requested, at the addresses specified below, or at such other addresses as may be specified in writing by the parties hereto: Agency: Community Redevelopment Agency of the City of Palm Springs 3200 E. Tahquitz Canyon Way Palm Springs, CA 92262 Attn: Executive Director LA/40320695 1 19 Copy to: Aleshire & Wynder, LLP 18881 Von Karman Avenue, Suite 400 Irvine, CA 92612 Attn: David J. Aleshire, Esq. Owner: VISTA SUNRISE APARTMENTS, L.P. c/o McCormack Baron Salazar 801 South Grand Ave. Suite 780 Los Angeles, CA. 90017-4635 Attn: Development General Partner Copy to: Bingham McCutchen, LLP 355 South Grand Avenue, Suite 4400 Los Angeles, CA 90071 Attn: Lance Bocarsly, Esq. VISTA SUNRISE APARTMENTS, L.P., c/o Coachella Valley AIDS Consortium 1695 North Sunrise Way Palm Springs CA 92262 Attn: Executive Director SunAmerica Housing Fund 1305, A Nevada Limited Partnership c/o AIG Retirement Services, Inc. One SunAmerica Center, Century City Los Angeles, California 90067 Attn: Michael Fowler The notice shall be deemed given three (3) business days after the date of mailing, or, if personally delivered, when received. T. SEVERABILITY/WAIVER/INTEGRATION. 1. Severability. If any provision of this Agreement shall be invalid, illegal or unenforceable, the validity, legality and enforceability of the remaining portions hereof shall not in any way be affected or impaired thereby. 2. Waiver. A waiver by either party of the performance of any covenant or condition herein shall not invalidate this Agreement nor shall it be considered a waiver of any other covenants or conditions, nor shall the delay or forbearance by either party in exercising any remedy or right be considered a waiver of, or an estoppel against, the later exercise of such remedy or right. 3. Integration. This Agreement contains the entire Agreement between the parties and neither party relies on any warranty or representation not contained in this Agreement. LA140320695 1 20 U. FUTURE ENFORCEMENT. The parties hereby agree that should the Agency cease to exist as an entity at any time during the term of this Agreement, the City of Palm Springs shall have the right to enforce all of the terms and conditions herein, unless the Agency had previously specified another entity to enforce this Agreement. V. GOVERNING LAW. This Agreement shall be governed by the laws of the State of California. W. COUNTERPARTS. This Agreement may be executed in any number of counterparts, each of which shall constitute one original and all of which shall be one wind the same instrument. [END -- SIGNATURES ON NEXT PAGE] L4140320695.1 21 IN WITNESS WHEREOF, the Agency and Owner have executed this Regulatory Agreement and Declaration of Covenants and Restrictions by duly authorized representatives on the date first written hereinabove. "AGENCY" COMMUNITY REDEVELOPMENT AGENCY OF THE CITY OF PALM SPRINGS a public body, corporate and politic By: Chair ATTEST: Agency Secretary APPROVED AS TO FORM: ALESHIRE & WYNDER, LLP David J. Aleshire Agency Counsel "OWNER" VISTA SUNRISE APARTMENTS, L.P., a California limited partnership By: MBA Urban Development Co. Its Development General Partner By: Name: Title: By: Coachella Valley AIDS Consortium, a California nonprofit public benefit corporation Its: Managing General Partner By: Name: Title: LN40320695.1 1 I I STATE OF CALIFORNIA ) I ) ss. COUNTY OF ) On before me, personally appeared personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signatures(s) on the instrument the person(s) or the entity upon behalf of which the person(s) acted, executed the instrument. Witness my hand and official seal. Notary Public [SEAL] STATE OF CALIFORNIA ) ) ss. COUNTY OF ) On before me, personally appeared personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signatures(s) on the instrument the person(s) or the entity upon behalf of which the person(s) acted, executed the instrument. Witness my hand and official seal. Notary Public [SEAL] LW40320095.1 STATE OF CALIFORNIA ) ) ss. COUNTY OF ) On before me, personally ' appeared personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signatures(s) on the instrument the person(s) or the entity upon behalf of which the person(s) acted, executed the instrument. Witness my hand and official seal. Notary Public [SEAL] STATE OF CALIFORNIA ) ) ss. COUNTY OF ) On before me, personally appeared personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized c:apacity(ies), and that by his/her/their signatures(s) on the instrument the person(s) or the entity upon behalf of which the person(s) acted, executed the instrument. Witness my hand and official seal. Notary Public [SEAL] LAf40320695.1 i EXHIBIT "A" LEGAL DESCRIPTION OF SITE 'That certain real property located in the City of Palm Springs, County of Riverside, State of California, more particularly described as: I_A/40320695.1