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HomeMy WebLinkAboutTower 999, LLC - Disposition and Development Agreement - Affordable Housing - 2024DISPOSITION AND DEVELOPMENT AGREEMENT By and Among the CITY OF NATIONAL CITY and TOWER 999, LLC DISPOSITION AND DEVELOPMENT AGREEMENT (Tower 999) THIS DISPOSITION AND DEVELOPMENT AGREEMENT ("Agreement") is dated as O of the 10 day of b V 2024, by and between the City of National City ("City") and Tower 999, LLC, a Nevada limited liability company ("Developer"). RECITALS A. The City is the owner of certain real property generally located at 921, 925, and 929 National City Boulevard (APN's 556-471-03 and 556-471-04) more particularly described on Exhibit A attached hereto (collectively, the "City Property"). The City now desires to make beneficial use of the underutilized City Property to generate affordable housing in furtherance of its housing objectives and in compliance with local and state law. B. Developer is the owner of certain real property generally located at 999 National City Boulevard (APN 556-471-17), more particularly described in Exhibit B attached hereto ("Developer Property"). The Developer Property is adjacent to the City Property. The Developer Property and City Property are collectively referred to herein as the "Project Property." C. Developer desires to acquire the City Property from the City. Developer proposes to and thereafter develop a seven -story, mixed -use building with approximately 9,294 square feet of ground floor retail/commercial space and approximately 127 residential dwelling units (collectively, the "Project") on the Project Property, and has expressed a desire, willingness, and capability to take on the expense, resources, and time necessary to maximize the Project Property's beneficial use of the Project Property in furtherance of the City's housing objectives. Closing shall be contingent upon the City and Developer agreeing, in writing, to the actual number of residential dwelling units to be developed on the Project Property. D. The purpose of this Agreement is to provide the terms and conditions for the sale and transfer of the City Property to the Developer and to set forth the terms and conditions for the Developer's construction of the Project on the Project Property. NOW, THEREFORE, for good and valuable consideration, the receipt of which is hereby acknowledged, City, Developer hereby agree as follows: 100. Definitions. "Affordable Units" means the forty percent (40%) of the total dwelling units in the Project (byway of example only, if there will be 127 total units in the Project, then 40%= 51 Affordable Units), which will be restricted for a period of fifty-five years after the Completion of Construction, for occupancy by Very Low -Income Households and Low -Income Households. Of the Affordable Units, at least fifty percent (50%) shall be restricted for occupancy only by Very Low -Income Households at monthly rental rates that do not exceed the Maximum Rents for Very Low -Income Households, and the balance of the Affordable Units shall be occupied by Low -Income Households at monthly rental rates that do not exceed the Maximum Rents -Low -Income Households set forth in more detail in the Regulatory Agreement. Fractions resulting from the calculation of the number of Affordable Units restricted to Very Low -Income Households shall be rounded up, and Affordable Units restricted to Low -Income Households shall be rounded down. "Agreement" means this Disposition and Development Agreement between the City and the Developer. "Area Median Income" or "AMI" shall mean the area median income defined by the U.S. Department of Housing and Urban Development (HUD) as the then -current area median income for the San Diego -Carlsbad Metropolitan Statistical Area, as adjusted for family size. When determining income eligibility, the Developer shall use the actual household size of the prospective tenant(s). When determining rents, the Developer shall use the household size appropriate for the Affordable Unit. "City" means the City of National City, a California municipal corporation. "City Property" means that certain real .property is generally located at 921, 925, and 929 National City Boulevard (APN's 556-471-03 and 556-471-04), more particularly described in Exhibit A attached hereto. "Close" or "Closing" means the Developer's closing on the acquisition of the City Property and all funding necessary to construct the Project. "Closing Deadline" means December 31, 2025; provided, however, in the event, the Developer is not then in default under this Agreement, the Closing Deadline: (a) may be extended, at the Developer's sole discretion, for a period of up to one (1) year (i.e., until December 31, 2026) if, the Federal Reserve's Federal Funds rate as of December 31, 2025, has not decreased by one hundred (100) or more basis points from that interest rate in effect on the date this Agreement is executed by all parties and/or Developer has not secured a low-income housing tax credit for the Project; or (b) may be extended, at the Developer's written request to the City Manager, and in the sole discretion of the City Manager, for a period of up to six (6) months. "Completion of Construction" shall occur upon the filing or the issuance by the building official of the City of a temporary certificate of occupancy for the residential component of the Project. "Construction Deed of Trust" means the deed of trust recorded against the Project Property for the purpose of obtaining senior construction financing for the Project. "Default" means the failure of a party to perform any action or covenant required by this Agreement within the time periods provided herein following notice and opportunity to cure, as set forth in Section 500.1 hereof. "Developer" means Tower 999, LLC, a Nevada limited liability company. Where the term Developer is used herein, such term shall include any permitted nominee, assignee or successor in interest as herein provided. "Developer Property" means that certain real property is generally located at 999 National City Boulevard (APN 556-471-17), more particularly described in Exhibit B attached hereto. "Due Diligence Period" means the period of time commencing on the date this Agreement is executed by the City and ending at 5:00 p.m. Pacific Standard Time on June 30, 2025. "Escrow" means the escrow depository and disbursement services to be performed by Escrow Agent pursuant to the provisions of this Agreement. "Escrow Agent" means Chicago Title Company or another title insurance company mutually selected by the parties hereto. "Escrow Instructions" shall mean the escrow instructions to be executed by the City and Developer with respect to the Closing. "Final Project Budget" means a budget prepared by the Developer, and approved in the sole discretion of the City Manager, setting forth all sources and uses for the construction of the Project and all projected income and expenses for the operation of the completed Project. City Manager shall complete its review of said budget within fifteen (15) business days and not unreasonably withhold, condition, or otherwise delay approval. "Governmental Requirements" means all laws, ordinances, statutes, codes, rules, regulations, orders, and decrees of the United States, the state, the county, the City, or any other political subdivision in which the Project Property is located, and of any other political subdivision, agency or instrumentality exercising jurisdiction over City, Developer or the Project Property. "Hazardous Materials" means any hazardous or toxic substance, material or waste which is or becomes regulated by any local governmental authority, the State of California or the United State Government. Provided, however, .the term "Hazardous Materials" shall not include substances typically used in the ordinary course of developing, operating and maintaining apartment complexes in California, or small amounts of chemicals, cleaning agents and the like commonly employed in routine household uses in a manner typical of occupants in other similar properties, provided that such substances are used in compliance with applicable laws. "Initial Project Budget" means the proforma budget attached hereto as Exhibit C and as further set forth in Section 301.1. "Low -Income Household" means persons and families whose income does not exceed eighty percent (80%) of the then -current Area Median Income, provided that such persons or families meet the additional requirements set forth in the Regulatory Agreement. "Maximum Rents -Low -Income Households" shall mean the maximum amount of consideration, of any kind whatsoever, that the Developer may receive, which monthly amount shall not exceed the product of one -twelfth (1/12) of thirty percent (30%) sixty percent (60%) of the -then Area Median Income as adjusted for household size appropriate for the Affordable Unit, less the utility allowance as determined in accordance with the utility allowance schedule published annually by the CDC -HA. "Maximum Rents -Very Low -Income Households" shall mean the maximum amount of consideration, of any kind whatsoever, that the Developer may receive, which monthly amount shall not exceed the product of one -twelfth (1/12) of thirty percent (30%) of fifty percent (50%) of the then Area Median Income as adjusted for household size appropriate for the Affordable Unit, less the utility allowance as determined in accordance with the utility allowance schedule published annually by the CDC -HA. "Permanent Deed of Trust" means the deed of trust recorded against the Project Property for purposes of obtaining senior permanent financing for the Project. "Permitted Transfer" is defined in Section 601.2, below. "Project" means the seven -story, mixed -use building with approximately 9,294 square feet of ground floor retail/commercial space and approximately 127 residential dwelling units the Developer shall construct on the Project Property, subject to further refinement by the Developer prior to Closing and approval by the City Manager in his reasonable discretion. "Project Deed of Trust" means the subordinate deed of trust, in forms agreed to by the City and Developer, to be executed by the Developer and recorded against the Project Property at Closing. The Project Deed of Trust shall be subordinated to the Construction Deed of Trust and Permanent Deed of Trust. Any such subordination shall be in a form acceptable in the reasonable discretion of the City Manager. "Project Design and Plan" means the design and plan for the Project, which shall set forth the design, plan, and construction work, including, without limitation, landscaping, flatwork, and similar work, to be done with respect to the Project, which shall be subject to the approval of the City Manager, which approval shall not be unreasonably withheld, conditioned or delayed. "Project Property" means, collectively, the Developer Property and City Property. "Purchase Price" means the fair market value purchase price payable by the Developer to the City in exchange for title and ownership of the City Property. "Regulatory Agreement" means a regulatory agreement, in a form and format approved by the City in the City's sole discretion, which shall restrict the rent and occupancy of the Affordable Units for fifty-five (55) years. The Regulatory Agreement shall require the Developer to pay an annual occupancy monitoring fees imposed by the City. "Very Low -Income Household" means persons and families whose income does not exceed fifty percent (50%) of the then -current Area Median Income, provided that such persons or families meet the additional requirements set forth in the Regulatory Agreement. 200. Transfer of the City Property. 200.1 Due Diligence. 200.1.1 Due Diligence Period. During the Due Diligence Period, the Developer may determine, in the Developer's sole and absolute discretion, whether to proceed with the purchase of the City Property. During the Due Diligence Period, the Developer may terminate this Agreement for any reason or for no reason at all by delivering written notice of such termination to the City and Escrow Agent. After the expiration of the Due Diligence Period, the Developer's right to terminate this Agreement for any reason, or for no reason at all, shall expire. If this Agreement is terminated during the Due Diligence Period, then: (i) all rights and liabilities of the City and Developer with respect to this Agreement shall immediately terminate, except for rights and liabilities that specifically survive such termination; (ii) Escrow Agent shall return to the Developer all funds or other things deposited in Escrow by the Developer, less any fees and costs charged by the Escrow Agent; and (iii) Escrow Agent shall return to the City all funds or other things deposited in Escrow by the City. 200.1.2 Access and Cooperation. During the Due Diligence Period, the Developer and its representatives, consultants and attorneys shall have access to the City Property. Developer shall provide the City with copies of all surveys, studies and tests obtained by Developer with respect to the Project Property. Such access shall be at the sole risk and expense of Developer. Developer shall indemnify and defend the City, and shall hold the City, the City's agents and employees, and the City Property harmless from any actions, losses, costs, damages, claims and/or liabilities, including but not limited to mechanics' and materialmen's liens and attorney fees, proximately caused by the actions of Developer and/or its contractors or agents (including Developer's Consultants, as defined below) upon the City Property. The Developer shall not permit any mechanic's, materialman's, contractor's, subcontractor's or other lien arising from any work done by the Developer or its agents pursuant to this Agreement to stand against the City Property. If any such lien shall be filed against the City Property, the Developer shall cause the same to be discharged or bonded by payment, deposit, bond, or otherwise within thirty (30) calendar days after actual notice of such filing. The Developer's obligations under this Section shall survive the termination or expiration of this Agreement. If the Developer desires to do any invasive testing at the City Property, the Developer may do so only after obtaining the City's prior written consent to the same, which consent may be withheld or granted on conditions to the City's satisfaction, provided, however, such consent shall not be unreasonably withheld or delayed if such invasive testing will be for the purpose of further investigation of a known condition and such invasive testing is recommended by a qualified specialist. The Developer shall promptly restore the Project Property to the condition the City Property was in immediately prior to any tests or inspections conducted pursuant to this Section at the Developer's sole cost and expense. The Developer shall provide the City with all plans, drawings, and specifications ("Invasive Testing Plans") that define to the satisfaction of the City the invasive testing to be performed on the City Property and the names of all environmental and other consultants, contractors and subcontractors who will be performing such invasive testing (collectively "Developer's Consultants"). The Developer shall deliver the names of the Developer's Consultants and the Invasive Testing Plans to the City concurrently with its request to the City that the Developer desires to perform invasive testing (unless the names of Developer's Consultants have previously been provided to the City). Before any of Developer's Consultants or other contractors, consultants or agents acting for or on C behalf of the Developer enter onto the City Property, Developer; and (2) shall furnish to the City evidence that the Developer's Consultants or other contractors, consultants or agents of Developer have procured commercial general liability insurance from an insurer authorized to do business in the State of California, which is reasonably acceptable to City, insuring against claims for bodily injury, death or damage to property in a single limit amount of not less than $1,000,000.00, endorsed to name City as an additional insured. 200.1.3 "As -Is." "Where -Is." The City has not investigated and makes no representations or warranties whatsoever regarding the condition of any of the City Property. Developer hereby agrees to take title to the City Property in its "as -is," physical and environmental condition, with no warranty, express or implied, by the City as to the condition of any existing improvements, the soil, its geology, the presence of known or unknown faults or Hazardous Materials or toxic substances, and Developer shall have the sole responsibility at its own expense to investigate and determine the physical and environmental conditions of City Property. The City Property shall be conveyed to the Developer in an "as -is" physical and environmental condition, with no warranty, express or implied, by the City as to the condition of any existing improvements, the soil, its geology, the presence of known or unknown faults or Hazardous Materials or toxic substances, and it shall be the sole responsibility of the Developer at its expense to investigate and determine the physical and environmental conditions. Prior to Closing, the Developer shall have the right to engage its own environmental consultant (the "Environmental Consultant") and other consultants to make such investigations of the City Property as the Developer deems necessary, including any soils, geotechnical, and other testing of the City Property, and the City shall promptly be provided a copy of all reports and test results provided to the Developer by the Environmental Consultant. It shall be the sole responsibility and obligation of the Developer to take such action as may be necessary to place the physical and environmental conditions of the City Property in a condition entirely suitable for the purposes set forth in this Agreement. 201. Consideration. The Purchase Price is Fifty Thousand Dollars ($50,000.00). 202. Escrow. Concurrently with the City's execution and delivery of this Agreement to the Developer, the Developer shall open the Escrow with Escrow Agent to facilitate the Closing and recordation of the grant deed and such other matters as required under this Agreement. The parties will execute the Escrow Instructions prior to the Closing, which Escrow Instructions shall provide for the order of recordation, distribution of original documents, and other provisions customarily contained in escrow instructions. Upon the parties' execution of the Escrow Instructions, the Developer shall deposit three percent (3%) of the Purchase Price (i.e., $1,500.00; the "Earnest Money") into Escrow within five (5) calendar days, which amount shall be credited toward the Purchase Price upon Closing and shall be refunded to the Developer in the event this Agreement is terminated for any reason and the Closing does not occur. Upon Closing, Developer shall deposit the balance of the Purchase Price, the sum of Forty -Eight Thousand Five Hundred Dollars ($48,500.00), into the Escrow, which sum along with the Earnest Money shall be released to the City by the Escrow Officer upon transfer of title of the City Property to the Developer. The Developer shall pay all fees, charges, and costs which arise from Escrow, as well as all documentary transfer taxes due with respect to the Developer's acquisition of the City Property. VI 203. Conditions to Closing. 203.1 Closing Conditions in Favor of Both Developer and City. The Closing is conditioned upon satisfaction or waiver of each and all of the conditions set forth in this Section 203.1, and its subparts, on or before the Closing Deadline. In the event that one or more of these conditions are not satisfied on or before the Closing Deadline, then this Agreement shall be terminated, unless the City and the Developer waive satisfaction of such condition or conditions in writing, in which event the Closing shall proceed, and the parties waive any right to damages or compensation with respect to the unsatisfied condition. (a) Proiect Design and Plan. Developer shall have obtained approval from the City of National City for the Project Design and Plan, including, without limitation, the actual number of residential dwelling units and the number of Affordable Units to be constructed on the Project Property. The Developer will seek to secure an off - site parking in proximity to the Project. However, the absence of such a solution will not impede the project's progress under the California Legislation AB 2097, which prohibits a public agency from imposing any minimum parking requirement on any residential, commercial, or other development project that is located within 1/2 mile of public transit. (b) Entitlements and Environmental Compliance. The Developer shall have secured any and all land use and other entitlements, permits and approvals which may be required for completion of the Project, including without limitation all approvals required under the California Environmental Quality Act (the "Entitlements") and the Developer shall have adopted, and the City shall have approved, an environmental remediation plan, if necessary. The Developer shall have paid any and all applicable fees (including, without limitation, community facility district fees and public facilities fees due at that time as imposed by the City or any other governmental agency having jurisdiction with respect to the Project) (collectively, the "City and Permit Fees") or shall pay such fees concurrently with Closing. The execution of this Agreement does not constitute the granting of or a commitment to obtain any required Entitlements. (c) Title Policy. Escrow Agent is prepared and irrevocably obligated to cause to be issued: (i) a title policy insuring the Developer's fee ownership of the City Property; and (ii) a title policy insuring the City's Project Deed of Trust. (d) Forms of Documents. The City and the Developer have agreed (or will agree prior to Closing) to the forms of the grant deed, Regulatory Agreement and Project Deed of Trust, and all other documents reasonably necessary to complete the Closing. (e) Financing. All of the following shall have occurred: (i) City shall have approved in writing all of the Developer's proposed acquisition, construction, and permanent financing for the Project; (ii) concurrently with the Closing, the Developer shall have closed on all of the City -approved financing necessary to acquire the City Property 9 and construct the Project; and (iii) Developer shall have obtained commitments for all of the City -approved permanent financing of the Project. (t) Taxing Entities. Approvals have been obtained from all affected taxing entities with respect to the transfer of the City Property from the City to the Developer. 203.2 Closing Conditions for the Benefit of the City. The City's obligation to Closing is conditioned upon satisfaction (or waiver) of each and all of the conditions set forth in this Section 203.2 on or before the Closing Deadline. Any such waiver shall be effective only if the same is (i) expressly waived in writing, signed by the City or by email from the City, and (ii) delivered or emailed to the Developer and Escrow Agent. In the event that one or more of the conditions set forth in this Section 203.2 are not satisfied or expressly waived on or before the Closing Deadline, the City (provided the City is not in default hereunder) may unilaterally terminate this Agreement by mailing or emailing notice of conditional termination to the Developer and Escrow Agent. After receipt of any such notice of conditional termination, the Developer shall have ten (10) business days to cure any non -satisfaction of a condition or other default specified in the notice of conditional termination, or such time as may be commercially reasonable to cure in the event ten (10) business days is impracticable. If such matter is satisfied or cured prior to the expiration of such ten (10) day period, then the Closing shall proceed. If such matter remains unsatisfied or the default remains uncured after the expiration of said cure period, then this Agreement shall terminate. Any such termination of this Agreement shall not release the Developer from liability under this Agreement. (a) No Default. The Developer is not in default of any of its obligations under the terns of this Agreement, and all representations and warranties made by the same to the City contained herein shall be true and correct in all material respects. (b) Insurance. The Developer shall have provided proof of insurance as required in Section 301.3. (c) Attorneys' and Experts' Fees. The Developer has paid prior to or will pay concurrently with the Closing all consultants', experts', and attorneys' fees reasonably incurred by the City with respect to the same. (d) Deposit of Documents. The Developer has delivered to Escrow Agent duly executed and notarized originals of the Regulatory Agreement, Deed of Trust, and all other documents reasonably required by the City. (e) Additional Documents. The deposit by the Developer into Escrow of all other documents and instruments reasonably required by the Escrow Agent. Budget. (f) Final Proiect Budget. The City shall have approved the Final Project V, (g) Performance and Payment Bond. The Developer shall have caused its contractor to post security in the form of a performance and payment bond for the Project in an amount not to exceed the value of the construction contract and in a form acceptable to the City in its reasonable discretion, to assure the completion of the Project Design and Plan. The performance and payment bond shall insure that construction completion based on the Project Design and Plan is timely accomplished, free and clear of mechanic's liens, stop notices, and other encumbrances concerning the provision of material, labor, and supplies. Upon a failure by the Developer to timely perform its requirements under the terms of this Agreement, the City may resort to the performance and payment bond to ensure the performance of this Agreement by either requiring the bonding company, or its designees, to comply with the terms of this Agreement, or at the election of the City, by requiring the bonding company to pay all costs necessary for the City, to take over and complete the construction as contemplated under the Project Design and Plan at the cost and expense of the bonding company. (h) Construction Contract. The construction contract for the Project shall have been executed by the Developer and the general contractor who has been selected by the Developer to do the work. The general contractor and the construction contract for the Project shall be subject to the approval of City, which approval shall not be unreasonably withheld, conditioned or delayed. (i) FIRPTA. The deposit by Developer into Escrow of Developer's affidavit that Developer is not a foreign person and is a "United States Person" as such term is defined in Section 7761(a)(30) of the Internal Revenue Code of 1986, in the form prescribed by federal regulations. 6) FTB Form 590. The deposit by Developer into Escrow of a duly executed FTB Form 590 or other evidence that withholding is not required by the Revenue and Taxation Code of California. (k) Surplus Land Act Compliance. The proposed transfer of the City Property to Developer has been definitively determined to have satisfied the requirements of the California Surplus Land Act have been satisfied with respect to the transfer of the City Property to Developer. 203.3 Closing Conditions for the Benefit of the Developer. The Developer's obligation to Close is conditioned on satisfaction or waiver of each and all of the conditions set forth in this Section 203.3 on or before the Closing Deadline. Any such waiver shall be effective only if the same is (i) expressly waived in writing, signed by, or by email from, the Developer, and (ii) delivered or emailed to the City and Escrow Agent. In the event that one or more of the conditions set forth in this Section 203.3 are not satisfied or expressly waived on or before the Closing Deadline, the Developer may unilaterally terminate this Agreement by mailing or emailing notice of conditional termination to the City and Escrow Agent. After receipt of such notice of conditional termination, the City shall have ten (10) business days to cure any non -satisfaction of a condition or other default specified in the notice of conditional termination. If such matter is satisfied or cured prior to the expiration of such ten (10) business day period, or such time as may 10 be commercially reasonable to cure in the event ten (10) business days is impracticable, then the Closing shall proceed. If such matter remains unsatisfied or the default remains uncured after said cure period, then this Agreement shall terminate. Any such termination of this Agreement shall not release the City from liability under this Agreement. (a) No Default. The City is not in default in any of its obligations under the terms of this Agreement and all representations and warranties of the City contained herein shall be true and correct in all material respects. (b) Deposit of Documents. The City has delivered to the Escrow Agent duly an executed and notarized original of the grant deed and counterpart original of the Regulatory Agreement. (c) Additional Documents. The deposit by the City into Escrow of all other documents and instruments reasonably required by Escrow. 204. Default. Notwithstanding Section 500.1, below, or anything contained herein to the contrary, in the event of any Default after the Closing, but prior to Completion of Construction beyond any applicable cure period (which cure period shall reasonably be extended to practicably permit cure to commence and/or conclude), in the performance of any of the material terms, covenants and conditions contained in this Agreement or any document or instrument executed by the Developer in conjunction with this Agreement; (iii) any prior or junior note secured by an encumbrance on the Project Property; (iv) in the event of the filing of a bankruptcy proceeding by the Developer; or (v) in the event of the filing of a bankruptcy against the Developer which is not dismissed within ninety (90) days of filing, then the Developer shall, immediately upon demand from the City, convey the City Property to the City. If the Developer fails to immediately, upon demand from the City, convey the City Property to the City, then: (a) the City shall have the right to foreclose under the Project Deed of Trust; and (b) City shall be released from any and all obligations to Developer under the terms of this Agreement. These remedies shall be in addition to any and all other rights and remedies available to City, either at law,or in equity. 205.Representations and Warranties. 205.1 City Representations and Warranties. The City represents and warrants to Developer that the City has the full right, power and lawful authority to grant, sell and convey the City Property to the Developer as provided herein and lawful authority to take all actions and undertake all obligations required of the City under this Agreement. 205.2 Developer's Representations and Warranties. The Developer represents and warrants to City as follows: (a) Authori . The Developer is a Nevada corporation authorized to do business in the State of California. The persons executing this Agreement on behalf of the Developer have all necessary authority to execute this Agreement on behalf of Developer, and this Agreement is a binding obligation of Developer. Execution of this Agreement shall not result with the passage of time or the giving of notice or both in breach of or in 11 acceleration of performance under any contract or document to which Developer may be a party. A true and complete certificate of good standing, issued by the California Secretary of State shall have been delivered to the City prior to the execution of this Agreement and again within ten (10) calendar days of Closing. Developer has the full right, power, and lawful authority to purchase and accept the conveyance of the City Property and to undertake all obligations as provided herein, and the execution, performance, and delivery of this Agreement by Developer has been fully authorized by all requisite actions on the part of Developer. (b) No Conflict. Developer's execution, delivery and performance of its obligations under this Agreement will not constitute a default or a breach under any contract, agreement or order to which the Developer is a party or by which it is bound. (c) No Bankruptcy. Developer is not the subject of a bankruptcy proceeding. (d) Rent and Occupancy Restrictions. Developer shall at all times after the Closing during the 55-year term comply with the requirements of the Regulatory Agreement. 206. Post -Closing Condition of the Project Property. 206.1 Developer Precautions After Closing. From and after the Closing, Developer shall take all necessary precautions to prevent the release of any Hazardous Materials in, on or under the Project Property. Such precautions shall include compliance with all Governmental Requirements with respect to Hazardous Materials. In addition, Developer shall install and utilize such equipment and implement and adhere to such procedures as are consistent with commercially reasonable standards as respects the disclosure, storage, use, removal and disposal of Hazardous Materials. 206.2 Required Disclosures After Closing. From and after the Closing, the Developer shall notify the City, and provide the City with a copy or copies, of all environmental permits, disclosures, applications, entitlements, or inquiries relating to the Project and the Project Property, including notices of violation, notices to comply, citations, inquiries, clean-up or abatement orders, cease and desist orders, reports filed pursuant to self -reporting requirements and reports filed or applications made pursuant to any Governmental Requirements relating to Hazardous Materials and underground tanks. Developer shall report to the City, as soon as commercially reasonable after each incident, any unusual or potentially important incidents with respect to the environmental condition of the Project or the Project Property. In the event of a release of any Hazardous Materials into the environment, the Developer shall, as soon as possible after the release, deliver to the City a copy of any and all reports relating thereto and copies of all correspondence with governmental agencies relating to the release. Upon request, the Developer shall deliver to the City a copy or copies of any and all other environmental entitlements or inquiries relating to or affecting the Project or the Project Property including, but not limited to, all permit applications, permits, and reports including, without limitation, those reports and other matters which may be characterized as confidential. 12 207. Developer Indemnity. From and after the Closing, the Developer agrees to and shall indemnify, defend, and hold the City harmless from and against any claim, action, suit, proceeding, loss, cost, damage, liability, deficiency, fine, penalty, punitive damage, or expense (including, without limitation, attorneys' fees), resulting from, arising out of, or based upon any of the following: (i) the presence, release, use, generation, discharge, storage or disposal of any Hazardous Materials on, under, in or about, or the transportation of any such Hazardous Materials to or from, the Project Property, or (ii) the violation, or alleged violation, of any statute, ordinance, order, rule, regulation, permit, judgment or license relating to the use, generation, release, discharge, storage, disposal or transportation of Hazardous Materials on, under, in or about, to or from, the Project Property. This indemnity shall include, without limitation, any damage, liability, fine, penalty, parallel indemnity after closing cost or expense arising from or out of any claim, action, suit, or proceeding for personal injury (including sickness, disease, or death), tangible or intangible property damage, compensation for lost wages, business income, profits or other economic loss, damage to the natural resource or the environment, nuisance, contamination, leak, spill, release or other adverse effect on the environment. This indemnity does not include any condition arising solely as a result of the negligence or willful misconduct of the City or its employees, agents, representatives, predecessors, successors, or assigns. 300. Scope of Construction. 300.1 City Review and Approval of the Project Design and Plan. Developer shall prepare and submit a Project Design and Plan for the Project to the City for review and approval. The City shall have the right to review and approve or disapprove all aspects of the Project Design and Plan. Developer acknowledges and agrees that the City is entitled to approve or disapprove the Project's Design and Plan for the Project. 300.2 Standards for Disapproval. The City Manager shall have the right to disapprove in its reasonable discretion any of the Project Design and Plan for the Project, as set forth in Section 300.1, above, including without limitation if the same does not conform to this Agreement or is otherwise incomplete. In the event the Project Design and Plan is not approved, the City shall state in writing provided to the Developer each of the reasons for disapproval. Developer, upon receipt of notice of disapproval from the City, shall meet and confer with the City Manager to resolve any disapproved aspects of the Project Design and Plan, and shall resubmit the revised Project Design and Plan as soon as practicably possible thereafter for approval. The City Manager and Developer agree to work together in good faith to resolve any disagreements and disputes regarding the Project Design and Plan. Developer shall not be entitled to any monetary damages or compensation as a result of the City Manager's disapproval or failure to approve or disapprove any Project Design and Plan. 300.3 Revisions. If the Developer desires to propose any revisions to the Project Design and Plan after approval, the Developer shall submit such proposed changes to the City Manager. If the Project Design and Plan, as modified by the proposed changes, generally and substantially conforms to the requirements of the Project Design and Plan and this Agreement, the City Manager shall review the proposed changes and notify the Developer in writing within thirty (30) calendar days after submission to the City whether the proposed change is approved or 13 disapproved. The City Manager is authorized to approve changes to the Project Design and Plan. Provided, however, the City Manager shall have no obligation to approve any change from the basic use set forth in this Agreement. 300.4 Defects in Plans. The City shall not be responsible or liable in any way, either to the Developer or to any third parties, for any defects in the Project Design and Plan, or for any structural or other defects in any work done according to the approved Project Design and Plan, or for any delays caused by the review and approval processes established by this Section 300. Developer shall hold harmless and indemnify the City and its officers, employees, agents, and representatives from and against any and all claims, demands, and suits for damages to property or injuries to persons arising out of or in any way relating to the Project Property, including without limitation any defects in the Project Design and Plan, violation of any laws, and for defects in any work done according to the approved Project Design and Plan or for defects in work performed by Developer or any contractor or subcontractor of Developer. 300.5 Land Use Approvals. Before commencement of the work or any works of improvement at the Project Property as contemplated under the Project Design and Plan, Developer shall, at Developer's sole expense, secure or cause to be secured any and all Entitlements which may be required for the Project Design Work and Plan by the City or any other governmental agency affected by such construction or work. The execution of this Agreement does not constitute the granting of or a commitment to obtain any required Entitlements or approvals. 300.6 Construction Commencement and Completion. Not later than sixty (60) calendar days following the Closing, or as soon as commercially practicable thereafter, Developer shall commence construction of the Project and shall continue such construction diligently and without substantial delay in a good and workmanlike manner. Developer will complete the Project substantially in accordance with the plans and specifications approved by the City, including any additional specifications prescribed by the City at or before Closing, and in compliance with all requirements of governmental authorities having or asserting jurisdiction. No material change shall be made in the plans and specifications approved by the City, including any additional specifications prescribed by the City, without the City's prior written consent, which written consent or disapproval shall be made by the City within seven (7) business days. The City shall approve material design revisions provided the same are a logical evolution of the design and preserve the integrity of the Project as previously approved by the City. Failure of the City to provide its written consent or disapproval within seven (7) business days shall be deemed consent to the material change. For purposes of this Section, "material change" means changes which, in aggregate, increase or decrease the rehabilitation and construction costs by one percent (1%) or more of the total Project cost. Completion of Construction shall occur not later than thirty (30) months from the Closing. Failure to complete all of the work contemplated under the Project Design and Plan for the Project shall, inter alia, be a default by the Developer, entitling the City to exercise all of its rights and remedies, including without limitation foreclosure of the Deed of Trust. 301. Cost of Project. All costs of the Project whatsoever shall be borne by the Developer, including without limitation the cost of planning, the payment of any required prevailing wages, 14 if any, designing, developing, and constructing the Project in accordance with the Project Design and Plan. 301.1 Initial Project Budget. The Developer has submitted the Initial Project Budget to the City. The Initial Project Budget summarizes the current estimates of the sources and uses of funds for the complete development of the Project. By its execution of this Agreement, the City has given its approval to the Initial Project Budget. 301.2 Final Proiect Budget. Once the City and the Developer have agreed upon final sources and uses for the Project Design and Plan, then the parties shall replace the Initial Project Budget with the Final Project Budget, which shall include development sources and uses and an operating budget. 301.3 Insurance Requirements. Developer shall take out and maintain during the term of the Regulatory Agreement, and Developer shall cause Developer's general contractor and subcontractors to take out and maintain until Completion of Construction of the Project, a commercial general liability policy in the amount of not less than $4,000,000 combined single limit policy for the general contractor and not less than $2,000,000 combined single limit policy for subcontractors, and a commercial automobile liability policy in the amount of $2,000,000 combined single limit, or such other policy limits as the City may approve in its discretion, including contractual liability, as shall protect the Developer and the City from claims for such damages covered by the policies; the policy limits required herein may be achieved through the use of a combination of primary and umbrella/excess liability policies. Such policies shall be written on an occurrence form. Developer shall also famish or cause to be famished to the City evidence satisfactory to the City that the Developer, and any contractor with whom the Developer has contracted for the performance of work on the Project or otherwise pursuant to this Agreement, carries workers' compensation insurance as required by law, which shall include a waiver of subrogation endorsement in favor of the City. The Developer shall furnish a certificate of insurance countersigned by an authorized agent of the insurance carrier. This countersigned certificate shall name the City and its respective officers, agents, and employees as additionally insured parties under the policy, and the certificate shall be accompanied by a duly executed endorsement evidencing such additional insured status. The certificate and endorsement by the insurance carrier shall contain a statement of obligation on the part of the carrier to notify the City of any material change, cancellation, or termination of the coverage at least ten (10) calendar days in advance of the effective date of any such material change, cancellation or termination; should the insurer not be able to afford the City such notice, then the responsibility to provide the City such notice shall be borne by the Developer. Coverage provided hereunder by the Developer shall be primary insurance and not be contributing with any insurance maintained by the City and the policy shall contain such an endorsement. The insurance policy or the endorsement shall contain a waiver of subrogation for the benefit of the City. The required certificate shall be furnished by the Developer prior to Closing. Insurance shall be written with only insurers authorized to conduct business in California with a current policy holder's alphabetic and financial size category rating of not less than A: VII according to the current Best's Key Rating Guide or a company of equal financial stability that the City approves. In the event coverage is provided by non -admitted "surplus lines" carriers, they must be included on the most recent List of Approved Surplus Line 15 Insurers maintained by the California Department of Insurance and otherwise meet rating requirements set forth herein. 302. Additional Indemnity. The Developer shall be responsible for all injuries to persons and/or all damages to real or personal property of the City or others caused by or resulting from the negligence of the Developer, and/or breach of this Agreement by the Developer, or its employees, subcontractors and/or their agents during the term of this Agreement. The Developer shall defend and hold harmless and indemnify the City and all of its officers and employees from all costs, damages, judgments, expenses, and claims to any third party resulting from the negligence and/or breach of this Agreement, by the Developer or its directors, officers, partners, members, employees, subcontractors and/or their agents and assigns or any employee, director, officer, partners or member of Developer arising out of the development of the Project Property and/or the breach of this Agreement, except those arising from the sole negligence or willful misconduct of the City, its employees, representatives, agents, contractors, and/or officials. 303. Rights of Access. Upon forty-eight (48) hours' written notice provided by the City, the Developer agrees to allow the City and its representatives to access the Project Property to review and inspect compliance with the terms of this Agreement pertaining to the construction of the Project in accord with the Project Design and Plan. The City shall monitor the Developer's activities without liability for said inspection and review. This Section shall not be understood to require the City to provide notice to perform its customary inspection, pursuant to its police power, of all permitted work on the Project Property. 304. Compliance With Laws. 304.1 Prevailing Wage and Other Labor Standards. The Developer represents and warrants that during the term of this Agreement that it will comply with all applicable State prevailing wage requirements. The City retains the right to require the Developer and Project to obtain a "Public Works Coverage Determination" from the California Department of Industrial Relations prior to the commencement of any demolition, construction, or other "work," as used in Labor Code Section 1720, et seq., at the Property or on the Project. 304.2 The Developer shall carry out the design of the Project and construction of the Project in conformity with all applicable laws, including all applicable state labor standards, the City zoning and development standards, building, plumbing, mechanical, and electrical codes, and all other provisions of the Title 24 of the California Code of Regulations, and all applicable disabled and handicapped access requirements, including without limitation the Americans With Disabilities Act, 42 U.S.C. Section 12101, et seq., Government Code Section 4450, et seq., Government Code Section 11135, et seq., and the Unruh Civil Rights Act, Civil Code Section 51, et seq. The Developer hereby agrees to carry out the development, construction, and operation of the Project and Project Property, including, without limitation, any and all public works (as defined by applicable law), in conformity with all applicable local, state, and federal laws, including, without limitation, all applicable federal and state labor laws, including, without limitation, any requirement to pay State prevailing wages. The Developer shall have the obligation to provide any and all disclosures, representations, statements, rebidding, and/or identifications, which may be required by Labor Code Sections 1726 and 1781, as the same may be enacted, adopted or M amended from time to time, or any other provision of law. The Developer shall have the obligation to provide and maintain any and all bonds to secure the payment of contractors (including the payment of wages to workers performing any public work) which may be required by the Civil Code, Labor Code Section 1781, as the same may be enacted, adopted or amended from time to time, or any other provision of law. The Developer shall have the obligation, at Developer's sole cost, risk and expense, to obligate any party as may be required by Labor Code Sections 1726 and 1781, as the same may be enacted, adopted or amended from time to time, or any other provision of law. The Developer shall indemnify, protect, defend and hold harmless the City and its respective officers, employees, contractors and agents, with counsel reasonably acceptable to the City, from and against any and all loss, liability, damage, claim, cost, expense, and/or "increased costs" (including labor costs, penalties, reasonable attorneys' fees, court and litigation costs, and fees of expert witnesses) which, in connection with the completion of construction of the Project, including, without limitation, any and all public works (as defined by applicable law), results or arises in any way from any of the following: (i) the noncompliance by the Developer of any applicable local, state and/or federal law, including, without limitation, any applicable federal and/or state labor laws (including, without limitation, if applicable, the requirement to pay state prevailing wages); (ii) the implementation of Sections 1726 and 1781 of the Labor Code, as the same maybe enacted, adopted or amended from time to time, or any other similar law; (iii) failure by the Developer to provide any required disclosure, representation, statement, rebidding and/or identification which may be required by Labor Code Sections 1726 and 1781, as the same may be enacted, adopted or amended from time to time, or any other provision of law; (iv) failure by the Developer to provide and maintain any and all bonds. to secure the payment of contractors (including the payment of wages to workers performing any public work) which may be required by the Civil Code, Labor Code Section 1781, as the same may be enacted, adopted or amended from time to time, or any other provision of law; and/or (v) failure by the Developer to obligate any party as may be required by Labor Code Sections 1726 and 1781, as the same may be enacted, adopted or amended from time to time, or any other provision of law. It is agreed by the parties that, in connection with the development, construction and operation of the Project Property, including, without limitation, any public work (as defined by applicable law), the Developer shall bear all risks of payment or non-payment of state prevailing wages and/or the implementation of Labor Code Sections 1726 and 1781, as the same may be enacted, adopted or amended from time to time, and/or any other provision of law. "Increased costs" as used in this Section shall have the meaning ascribed to it in Labor Code Section 1781, as the same may be enacted, adopted or amended from time to time. The foregoing indemnity shall survive termination of this Agreement. 304.3 Workforce Enhancement Initiative. The purpose of this Section, and its subparts, is to set forth guidance so that all construction work relating to Project pursuant to this Agreement may proceed continuously and without interruption, thereby assuring the timely and cost-effective Completion of Construction, and to support the efforts of the City to strive to implement a form of construction career training through mentorship and opportunities for targeted workers and local apprenticeship and pre -apprentice programs to the extent there is workforce interest and it is financially feasible for the Developer with respect to the Project. (a) Management Rights. The Developer and its general contractor retain the full and exclusive authority for the management of its operations. The contractor shall direct the workforce at its sole prerogative, including but not limited to the hiring, 17 promotion, transfer, layoff, discipline, or discharge for just cause of its employees; the selection of foremen and general foremen; the assignment and schedule of work; the promulgation of reasonable work rules; and, the requirement of overtime work, the determination of when it will be worked, and the number and identity of employees engaged in such work. (b) Apprentices. The parties recognize the need to maintain continuing support of the programs designed to develop adequate numbers of competent workers in the construction industry, the obligation to capitalize on the availability of the local workforce, and the opportunities to provide continuing work under the construction program. To these ends, the parties will use good faith efforts to facilitate, encourage, and assist an established apprenticeship program to commence and progress in labor/management apprenticeship and/or training programs during the course of construction on the Project. (c) Local Hires. The Developer will cause its general contractor to ensure that individuals and fines located in or owned in substantial part by persons residing in the area of the City of National City are used whenever possible, so long as the individual or firm is qualified to perform such work, and is competitive in price. Such efforts (to the extent feasible and permitted by law) shall include, but shall not be limited to: (i) including such firms, when qualified, on solicitation mailing lists; (ii) encouraging their participation through direct solicitation of proposals whenever they are a potential source; (iii) dividing total subcontract requirements, when economically feasible, into smaller tasks or quantities to permit maximum participation by such firms; and (iv) establishing delivery schedules, where the requirement permits, which encourages participation by such firms. (d) General Contractor. This Section shall apply and be limited to the construction work relating to the Project to be performed by the general contractor selected and engaged by the Developer. A copy of this Section shall be provided to the general contractor to set forth guidance in hiring and other related labor practices. 304.4 Exclusions. Items specifically excluded from the scope of Section 304.2, including its subparts, are as follows: (a) the work of non -manual employees, including, but not limited to, superintendents, supervisors, staff engineers, timekeepers, mail carriers, clerks, office workers, messengers, guards, safety personnel, emergency medical and first aid technicians, and other professional, engineering, consultants, administrative, supervisory, executive and management employees; state inspectors or other public employees, post - construction tenant improvements, emergency work, non -construction support services, creation and installation of artwork, future maintenance, and architectural, engineering, surveying or inspection services; work; (b) off -site maintenance of leased equipment and on -site supervision of such In (c) off -site laboratory work for testing; (d) work performed by employees of an Original Equipment Manufacturer ("OEM") or vendor on the OEM's or vendor's equipment, if required by the warranty agreement between the OEM or vendor and the Primary Employer or Developer in order to maintain the warranty or guarantee on such equipment, and provided that the warranty agreement is the OEM's or vendor's standard warranty agreement for such equipment and is consistent with industry practice; (e) all work related to the delivery, unloading, moving and installation of the Developer's individual, unattached pieces of furniture, furnishings, equipment or supplies; (f) all hauling from and delivery to the Project and deliveries of all materials required to complete the Project, except the hauling/delivery of soil, sand, gravel, aggregate, rocks, concrete, asphalt, excavation materials, fill material, and construction debris; and (g) the delivery, placement, servicing, and removal of all temporary toilets, site fencing, storage units, temporary offices, and trash/recycling dumpsters, or any other equipment or materials needed for the operation of the construction oversight. 305.Nondiscrimination in Employment. Developer certifies and agrees that all persons employed or applying for employment by it, its affiliates, subsidiaries, or holding companies, and all subcontractors, bidders, and vendors, are and will be treated equally by it without regard to, or because of race, color, religion, ancestry, national origin, sex, gender identity, age, pregnancy, childbirth or related medical condition, medical condition (cancer -related) or physical or mental disability, and in compliance with Title VII of the Civil Rights Act of 1964, 42 U.S.C. Section 2000, et seq., the Federal Equal Pay Act of 1963, 29 U.S.C. Section 206(d), the Age Discrimination in Employment Act of 1967, 29 U.S.C. Section 621, et seq., the Immigration Reform and Control Act of 1986, 8 U.S.C. Section 1324b, et seq., 42 U.S.C. Section 1981, the California Fair Employment and Housing Act, Cal. Government Code Section 12900, et seq., the California Equal Pay Law, Cal. Labor Code Section 1197.5, Cal. Government Code Section 11135, the Americans with Disabilities Act, 42 U.S.C. Section 12101, et seq., and all other anti -discrimination laws and regulations of the United States and the State of California as they now exist or may hereafter be amended. Developer shall allow representatives of the City access to its employment records related to this Agreement during regular business hours and upon twenty-four (24) hours written notice to Developer to verify compliance with these provisions when so requested by the City. 306. Taxes and Assessments. After Closing, the Developer shall pay, prior to delinquency all ad valorem real estate taxes and assessments on the Project Property. Developer shall remove or have removed any levy or attachment made after the Closing on the Project Property, or any part thereof, or assure the satisfaction thereof within a reasonable time. 307.Liens and Stop Notices. Developer shall not allow any lien or stop notice to be placed on the Project Property. If a claim of a lien or stop notice is given or recorded affecting the M Project Property, the Developer shall upon the earlier of: thirty (30) calendar days of such recorded lien or stop notice or within fifteen (15) calendar days of the City's demand as to such matter: (a) pay and discharge the same; (b) effect the release thereof by recording and delivering to the City a surety bond in sufficient form and amount as approved by the City in its sole discretion; or (c) provide the City with other assurance which the City deems, in its sole discretion, to be satisfactory for the payment of such lien or bonded stop notice and for the full and continuous protection of the City from the effect of such lien or bonded stop notice. 308. Financing of the Project. 308.1 Encumbrances. With the exception of encumbrances arising from, or relating to, state and/or federal agencies, prior to Completion of Construction, mortgages and deeds of trust against the Project Property may be permitted only with the City's prior written approval, which approval shall not unreasonably be withheld, denied, or conditioned, and only for the purpose of securing loans of funds to be used for financing the Project Design and Plan work, and any other purposes deemed necessary and appropriate by the City in connection with the Project. The Developer shall notify the City in advance of the execution or recordation of any mortgage or deed of trust. The Developer shall not enter into any mortgage or deed of trust for financing without the prior written approval of the City, which approval the City agrees to give if any such mortgage or deed of trust for financing is given to a responsible financing lending institution or person or entity, as determined by the City in its reasonable discretion. 308.2 Right of City to Cure Mortgage or Deed of Trust Default. Prior to Completion of Construction, in the event of a mortgage or deed of trust default or breach by the Developer, the Developer shall immediately deliver to the City a copy of any mortgage holder's notice of default. The City shall have the right but not the obligation to cure the default. In such event, the City shall be entitled to reimbursement from the Developer of all costs and expenses incurred by the City in curing such default, including without limitation attorneys' fees. 309.Occupancv Monitoring and Inspection Fees; Records and Reports. For a period of fifty-five (55) years, commencing upon Completion of Construction, the Developer shall pay to the City an annual occupancy monitoring fee per unit per year ("Annual Loan Monitoring Fee"), as determined by schedules printed by the City and amended from time to time. For illustrative purpose, the schedule containing the Annual Loan Monitoring Fee in effect at the time of this Agreement's execution is attached hereto as Exhibit D. Annual Loan Monitoring Fees shall be paid by the Developer to the City annually within thirty (30) calendar days after the City provides a written invoice for the same. Developer shall supply the City, annually, on May 3l't, of each year during the term of the Regulatory Agreement, for the immediately prior calendar year, such records and reports relating to the Project Property as are required by the City to aid it in complying with its reporting and record keeping requirements. The records and reports include the following Project matters: O (a) Amount of funds expended pursuant to this Agreement; (b) Eligible tenant information, including yearly income verifications; (c) On -site inspection results; (d) Housing payments charged to tenants; (e) Affirmative marketing records; (f) Insurance policies and notices; (g) Equal Employment Opportunity and Fair Housing records; (h) Labor costs and records; (i) Audited income and expense statement, balance sheet, and statement of cash flows for the Developer; (j) Federal and State income tax returns for the calendar year, ending on the preceding December 315; (k) Annual budget of reserves for repair and replacement; (1) Annual certification and representation regarding the status of all loans, encumbrances, and taxes; (m) Such other and further information and records as the City reasonably requires in light of changes in law demanding such additional material from the Developer. 310. Accessibility Standards. The Developer represents and warrants that it will comply with all federal, state and local requirements and regulations concerning access to the units by the disabled and handicapped persons. 400. Covenants and Restrictions. 400.1 Affordable Units. Developer covenants and agrees for itself, its successors, assigns, and every successor in interest to the Project Property, or any part thereof, that upon Completion of Construction and thereafter, Developer shall comply with the Regulatory Agreement for the period of time specified therein. The Closing is conditioned upon the execution, and recordation of the Regulatory Agreement against the Project Property. 400.2 Maintenance Covenants. Developer represents and warrants that after Completion of Construction, the Project and all of the Affordable Units shall continually be maintained in a decent, safe and sanitary condition, and in good repair as described in 24 C.F.R. 21 §5.703, and in a manner which satisfies the Uniform Physical Conditions Standards promulgated by the Department of Housing and Urban Development (24 C.F.R. §5.705), as such standards are interpreted and enforced by the City under its normal policies and procedures. The Developer warrants that all construction work shall meet or exceed the applicable local codes and construction standards, including zoning and building codes of the City as well as the provisions of the Model Energy Code published by the Council of American Building Officials. The Developer hereby consents to periodic inspection by the City' s designated inspectors and/or designees during regular business hours and upon reasonable advance written notice of no less than 48 hours, including the code enforcement agents of the City, to assure compliance with all applicable zoning, building codes, regulations and property standards. 400.3 Nondiscrimination Covenants. The Developer covenants by and for itself and any successors in interest that there shall be no discrimination against or segregation of, any person or group of persons on the basis of race, color, creed, religion, sex, sexual orientation, gender identity, marital status, national origin, ancestry, familial status, source of income or disability of any person in the sale, lease, sublease, transfer, use, occupancy, tenure or enjoyment of the Project Property, nor shall any of them or any person claiming under or through it establish or permit any such practice or practices of discrimination or segregation of any person or group of persons on account of any basis listed in subdivision (a) or (d) of Section 12955 of the Government Code, as those bases are defined in Sections 12926, 12926.1, subdivision (m) and paragraph (1) of subdivision (p) of Section 12955, and Section 12955.2 of the Government Code, with reference to the selection, location, number, use or occupancy of tenants, lessees, subtenants, sublessees or vendees of the Project Property. The foregoing covenants shall run with the land. All such deeds, leases, or contracts shall contain or be subject to substantially the following nondiscrimination or nonsegregation clauses: (a) Deeds. In deeds: "The grantee herein covenants by and for itself, its successors and assigns, and all persons claiming under or through them, that there shall be no discrimination against or segregation of any person or group of persons on account of race, color, religion, sex, sexual orientation, disability, medical condition, familial status, source of income, marital status, national origin or ancestry in the sale, lease, sublease, transfer, use, occupancy, tenure or enjoyment of the land herein conveyed, nor shall the grantee 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 in the land herein conveyed. The foregoing covenants shall run with the land." (b) Leases. In leases: "The lessee herein covenants by and for itself, its successors and assigns, and all persons claiming under or through them, and this lease is made and accepted upon and 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, religion, sex, sexual orientation, gender identity disability, medical condition, familial status, source of income, marital status, national origin or ancestry in the leasing, subleasing, renting, transferring, use, occupancy, tenure or enjoyment of the land herein leased, nor shall lessee itself, or any person claiming under or through it, establish or permit such practice or practices of discrimination or segregation with reference to the selection, 22 location, number, use or occupancy of tenants, lessees, sublessees, subtenants or vendees in the land herein leased." (c) Contracts. In contracts for the rental, lease or sale of the Project: "There shall be no discrimination against or segregation of any person or group of persons on account of race, color, religion, sex, sexual orientation, gender identity, disability, medical condition, familial status, source of income, marital status, national origin or ancestry in the sale, lease, 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." 401.Obligation to Refrain from Discrimination. 401.1 State and Federal Requirements. Developer shall, at all times during the term of this Agreement, comply with all of the affirmative marketing procedures adopted by the City, unless otherwise prohibited by law. The Developer shall maintain records to verify compliance with the applicable affirmative marketing procedures and compliance. Such records are subject to inspection by the City during regular business hours upon five (5) calendar days' written notice. 401.2 Additional Requirements. The Developer hereby agrees to comply with the Title VII of the Civil Rights Act of 1964, as amended, the California Fair Employment Practices Act, and any other applicable Federal and State laws and regulations. 401.3 Fair Housing Laws. All activities carried out by the Developer and/or its agents shall be in accordance with the requirements of the Federal Fair Housing Act. The Fair Housing Amendments Act of 1988 became effective on March 12, 1989. The Fair Housing Amendments Act of 1988 and Title VIII of the Civil Rights Act of 1968, taken together, constitute the Fair Housing Act. The Fair Housing Act provides protection against the following discriminatory housing practices if they are based on race, sex, gender identity, religion, color, handicap, familial status, or national origin: denying or refusing to rent housing, denying or refusing to sell housing, treating differently applicants for housing, treating residents differently in connection with terms and conditions, advertising a discriminatory housing preference or limitation, providing false information about the availability of housing, harassing, coercing or intimidating people from enjoying or exercising their rights under the Fair Housing Act, blockbusting for profit, persuading owner to sell or rent housing by telling them that people of a particular race, religion, etc. are moving into the neighborhood, imposing different terms for loans for purchasing, constructing, improving, repairing, or maintaining a home, or loans secured by housing; denying use or participation in real estate services, e.g., brokers' organizations, multiple listing services, etc. The Fair Housing Act gives HUD the authority to hold administrative hearings unless one of the parties elects to have the case heard in U.S. District Court and to issue subpoenas. Both civil and criminal penalties are provided. The Fair Housing Act also provides protection for people with disabilities and proscribes those conditions under which senior citizen housing is exempt from the prohibitions based on familial status. The following State of California Laws also 23 govern housing discrimination and shall be complied with by Developer: Fair Employment and Housing Act, Unruh Civil Rights Act of 1959, Ralph Civil Rights Act of 1976, and Civil Code Section 54.1. 402.Effect of Violation of the Terms and Provisions of this Agreement. The City is deemed the beneficiary of the terms and provisions of this Agreement and of the covenants running with the land, for and in its own right and for the purposes of protecting the interests of the community and other parties, public or private, in whose favor and for whose benefit this Agreement and the covenants running with the land have been provided, without regard to whether the City has been, remains or is an owner of any land or interest therein in the Project Property. The City shall have the right, if this Agreement or its covenants are breached, to exercise all rights and remedies, and to maintain any actions or suits at law or in equity or other proper proceedings to enforce the curing of such breaches to which it or any other beneficiaries of this Agreement and covenants may be entitled. 500. Defaults and Remedies. 500.1 Default Generally. Failure by the City or Developer to perform any action or covenant required by this Agreement within the time periods provided herein following notice and failure to cure as described hereafter, constitutes a "Default' under this Agreement. A party claiming a Default shall give written notice of Default to the other party specifying the alleged Default. Except as otherwise expressly provided in this Agreement, the claimant shall not institute any proceeding against any other parry, and the other party shall not be in Default if: (i) such alleged Default is cured thirty (30) calendar days from receipt of such written notice: or (ii) if the alleged Default is such that it is not capable of being cured within thirty (30) calendar days, but corrective action is initiated within thirty (30) calendar days and the allegedly defaulting party diligently and in good faith works to effect a cure as soon as possible. 500.2 Institution of Legal Actions. In addition to any other rights or remedies and subject to the restrictions otherwise set forth in this Agreement, any party may institute an action at law or equity to seek specific performance of the terms of this Agreement, or to cure, correct or remedy any Default, to recover damages for any Default, or to obtain any other remedy consistent with the purpose of this Agreement. Such legal actions must be instituted in the County of San Diego, State of California, downtown branch, or in the District of the United States District Court in the County of San Diego. 501. Entry and Vesting of Title in City Prior to Completion of Construction. 501.1 Right of Reentry. In addition to all other rights and remedies the City may have at law or in equity, the City has the right, at its election, to enter and take possession of the City Property and all improvements thereon, and terminate and revest the fee interest in the City Property in the City if after Closing, the Developer: (a) fails to start construction of the Project as required by this Agreement for a period of sixty (60) days after written notice thereof from the City; or 24 (b) abandons or substantially suspends construction of the Project required by this Agreement for a period of sixty (60) days after written notice thereof from City, subject to any extensions which may be agreed upon pursuant to Section 600.2 herein; or (c) transfers or suffers any involuntary transfer of the Project Property or any part thereof in violation of, or contrary to, the provisions of this Agreement. 501.2 Limitations on Right of Entry. Such right to enter and vest shall be subject to and be limited by and shall not defeat, render invalid or limit any mortgage or deed of trust permitted by this Agreement that is senior to the Project Deed of Trust. 501.3 Termination of Right of Entry. The City's right to enter and take possession of the City Property and all improvements thereon, and terminate and revest the same in the City, shall terminate upon the timely Completion of Construction of the Project. 502. Rights and Remedies are Cumulative. 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 such rights or remedies shall not preclude the exercise by it, at the same or different times, of any other rights or remedies for the same default or any other default by the other party. 503.Inaction Not a Waiver of Default. Any failures or delays by any party in asserting any of its rights and remedies as to any Default shall not operate as a waiver of any Default or of any such rights or remedies, or deprive either such parry of its right to institute and maintain any actions or proceedings which it may deem necessary to protect, assert or enforce any such rights or remedies shall govern the interpretation and enforcement of this Agreement. 600. General Provisions. 600.1 Notices, Demands, and Communications Between the Parties. All notices under this Agreement shall be in writing and sent (a) by certified or registered U.S. mail, return receipt requested, (b) overnight by a nationally recognized overnight courier such as UPS Overnight or FedEx, or (c) by personal delivery. All notices shall be effective upon receipt (or refusal to accept delivery). All notices shall be delivered to the following addresses or such other addresses as changed by any party from time to time by written notice to the other parties hereto. To City: City of National City 1243 National City Boulevard National City, CA 91950 Attention: Community Development Director To Developer: Tower 999, LLC 4100 W Flamingo Rd, Suite 1416 Las Vegas, NV 89103 Attn: Cyrus Rapinan 25 With Copy To: Shift Capital 3400 J St Suite #G11, Philadelphia, PA 19134 Attention: Gregg DiFabio 600.2 Enforced Delay: Extension of Times of Performance. In addition to specific provisions of this Agreement, performance by any party hereunder shall not be deemed to be in Default, and all performance and other dates specified in this Agreement shall be extended, where delays or Defaults are due to: war; insurrection; strikes; lockouts; riots; floods; earthquakes; fires; casualties; acts of God; acts of the public enemy; epidemics; pandemics; quarantine restrictions; freight embargoes; lack of transportation; governmental restrictions or priority; litigation; unusually severe weather; acts or omissions of the other party; or any other causes beyond the control and without the fault of the party claiming an extension of time to perform. Notwithstanding anything to the contrary in this Agreement, an extension of time for any such cause shall be for the period of the delay and shall commence to run from the time of the commencement of the cause, if notice by the party claiming such extension is sent to the other party within ten (10) business days of the commencement of the cause. Times of performance under this Agreement may also be extended in writing by the mutual agreement of the City Manager and Developer. 601. Transfers of Interest in Property or Agreement. 601.1 Prohibition. The qualifications and identity of the Developer are of particular concern to the City. It is because of those qualifications and identity that the City has entered into this Agreement with the Developer. Until Completion of Construction, no voluntary or involuntary successor in interest of the Developer shall acquire any rights or powers under this Agreement, nor shall the Developer make any total or partial sale, transfer, conveyance, assignment, subdivision, refinancing or lease of the whole or any part of the Project Property, or the improvements thereon, without prior written approval of the City, which approval shall not be unreasonably withheld, delayed, conditioned or denied. Any proposed total or partial sale, transfer, conveyance, assignment, subdivision, refinancing, or lease of the whole or any part of the Project Property or the improvements thereon will entitle the City to its right of reentry and revesting as set forth in Section 501, and its subparts, hereof. For the reasons cited above, the Developer represents and agrees for itself and any successor in interest to the Project Property that without the prior written approval of the City, there shall be no significant change in the ownership of the Developer or with respect to the identity of the parties in control of Developer or the degree thereof, by any method or means. Developer shall promptly notify the City of any and all changes whatsoever in the identity of the parties in control of the same or the degree thereof, of which it or any of its officers have been notified or otherwise have knowledge or information. Any change (voluntary or involuntary) in the composition, management, or control of the Developer shall be a Default, except as otherwise permitted hereunder. 601.2 Permitted Transfers. Notwithstanding any other provision of this Agreement to the contrary, the City approval of an assignment of this Agreement or conveyance of the Project Property or the improvements thereon, or any part thereof, will be granted in connection with any of the following, subject to the City and the applicable party executing FM appropriate documents of transfer which contain any exceptions or reservation of rights permitted under this Agreement (each a "Permitted Transfer"): (a) The conveyance or dedication of any portion of the Project Property to the City or other governmental agency, or the granting of easements or permits to facilitate completion of construction of the Project; or (b) Any conveyance for financing purposes (provided such financing is specifically allowed under this Agreement), including the Construction Deed of Trust and Permanent Deed of Trust. 601.3 Assigmnent by the City. The City may assign or transfer this Agreement in its entirety, or any of its rights or obligations hereunder. 601.4 Successors and Assigns. All of the terms, covenants, and conditions of this Agreement shall be binding upon parties to the Agreement and their respective, permitted successors and assigns. 602. Non -Liability of Officials and Employees 602.1 Citv. No member, official or employee of the City shall be personally liable to Developer, or any successor in interest, in the event of any Default or breach of this Agreement or for any amount which may become due to Developer or its successors, or on any obligations under the terms of this Agreement. 602.2 Developer. No member, director, official, or employee of the Developer shall be personally liable to the City, or any successor in interest, in the event of any Default or breach of this Agreement or for any amount which may become due to the City or City or its successors, or on any obligations under the terms of this Agreement. 603. Relationship Among the City and Developer. It is hereby acknowledged that the relationship among the City and Developer is that of independent contractors and not that of a partnership or joint venture and that the City and Developer shall not be deemed or construed for any purpose to be the agent of the other. The Developer agrees to indemnify, hold harmless and defend the City and Developer from any claim made against the City arising from a claimed relationship of partnership or joint venture among the City and Developer. 604. City Approvals and Actions. Whenever a reference is made herein to an action or approval to be undertaken by the City, the City Manager or designee is authorized to act on behalf of the City unless specifically provided otherwise or the context should require otherwise. 605. Counterparts. This Agreement may be signed in multiple counterparts, which, when signed by all parties, shall constitute a binding agreement. 606. Inte argr tion. This Agreement contains the entire understanding between the parties relating to the subject matter of this Agreement. All prior or contemporaneous agreements, 27 understandings, representations, and statements, oral and written, are merged in this Agreement and shall be of no further force or effect. Each party is entering this Agreement based' solely upon the representations set forth herein and upon each party's own independent investigation of any and all facts such party deems material. All exhibits referred to in this Agreement are hereby incorporated in this Agreement by this reference, regardless of whether or not the exhibits are actually attached to this Agreement. The Recitals to this Agreement are hereby incorporated in this Agreement by this reference. 607.No Real Estate Brokerage Commissions. The City and Developer each represent and warrant to the others that no broker or finder is entitled to any commission or finder's fee in connection with the Project Property. The parties agree to defend and hold harmless the other party from any claim to any such commission or fee from any broker, agent, or finder with respect to this Agreement which is payable by such party. 608.Attomeys' Fees. The parties agree that the prevailing party in litigation for the breach and/or interpretation and/or enforcement of the terms of this Agreement shall be entitled to their expert witness fees, if any, as part of their costs of suit and reasonable attorneys' fees as may be awarded by the court, pursuant to California Code of Civil Procedure ("CCP") Section 1033.5 and any other applicable provisions of California law, including, without limitation, the provisions of CCP Section 998. 609. Titles and Captions. Titles and captions are for convenience of reference only and do not define, describe, or limit the scope or the intent of this Agreement or of any of its terns. References to section numbers are to sections in this Agreement, unless expressly stated otherwise. 610.Interpretation. As used in this Agreement, masculine, feminine, or neuter gender, and the singular or plural number shall be deemed to include the others where and when the context so dictates. The word "including" shall be construed as if followed by the words "without limitation." This Agreement shall be interpreted as though prepared jointly by both parties. 611. No Waiver. A waiver by any party of a breach of any of the covenants, conditions, or agreements under this Agreement to be performed by the other party shall not be construed as a waiver of any succeeding breach of the same or other covenants, agreements, restrictions or conditions of this Agreement. 612. Modifications. Any amendment, alteration, change or modification of or to this Agreement, in order to become effective, shall be made in writing and in each instance signed on behalf of each party (any amendment, alteration, change or modification of this Agreement on behalf of the City, including without limitation changes to the economic terms of this Agreement and its exhibits, shall be made on behalf of the City by the City Manager in the City Manager's sole discretion). 613. Severability. If any term, provision, condition, or covenant of this Agreement or its application to any party or circumstances shall be held, to any extent, invalid or unenforceable, the remainder of this Agreement, or the application of the term, provision, condition or covenant to m persons or circumstances other than those as to whom or which it is held invalid or unenforceable, shall not be affected, and shall be valid and enforceable to the fullest extent permitted by law. 614. Computation of Time. The time in which any act is to be done under this Agreement is computed by excluding the first day (such as the day escrow opens), and including the last day, unless the last day is a holiday or Saturday or Sunday, and then that day is also excluded. The term "holiday" shall mean all holidays as specified in Section 6700 and 6701 of the California Government Code. If any act is to be done by a particular time during the day, that time shall be Pacific Time Zone time. 615. Legal Advice. Each party represents and warrants to the other the following: they have carefully read this Agreement, and in signing this Agreement, they do so with full knowledge of any right which they may have; they have received independent legal advice from their respective legal counsel as to the matters set forth in this Agreement, or have knowingly chosen not to consult legal counsel as to the matters set forth in this Agreement; and, they have freely signed this Agreement without any reliance upon any agreement, promise, statement or representation by or on behalf of the other parties, or their respective agents, employees, or attorneys, except as specifically set forth in this Agreement, and without duress or coercion, whether economic or otherwise. 616.Time of Essence. Time is expressly made of the essence with respect to the performance by the City and Developer of each and every obligation and condition of this Agreement. 617. Cooperation. Each party agrees to cooperate in good faith with the other in this transaction and, in that regard, to sign any and all documents which may be reasonably necessary, helpful, or appropriate to carry out the purposes and intent of this Agreement including, but not limited to, releases or additional agreements. 618. Conflicts of Interest. No member, official, or employee of the City shall have any personal interest, direct or indirect, in this Agreement, nor shall any such member, official, or employee participate in any decision relating to the Agreement which affects his personal interests or the interests of any corporation, partnership or association in which he is directly or indirectly interested. 619. Exhibits and Recitals Incorporated. All exhibits referred to in this Agreement are hereby incorporated in this Agreement by this reference, regardless of whether or not the exhibits are actually attached to this Agreement. The recitals to this Agreement are hereby incorporated in this Agreement by this reference. 620. Applicable Law. The laws of the State of California shall govern the interpretation and enforcement of this Agreement. 62 L Alterriative Dispute Resolution. Any controversy or dispute arising out of this Agreement shall be settled or determined by direct negotiation, mediation or litigation in the County of San Diego, California. In the event that either party reasonably determines that a dispute 29 exists, such party shall promptly notify the other in writing as to the general nature of the dispute and as to dates and times that such parry's authorized representatives are available to discuss settlement. Within ten (10) calendar days of said notice, or as soon as reasonably practicable for both parties thereafter, the parties shall meet and negotiate in a good faith attempt to settle the dispute. In the event that the parties are unable to settle the dispute within ten (10) calendar days after such meeting, the parties shall select a mediator from the list of approved mediators maintained by the Superior Court for San Diego County or such other mediator as the parties may agree. The parties shall cooperate with such mediator to schedule a mediation at the earliest feasible date and shall comply with any reasonable conditions imposed on such mediation by the mediator. The mediator's fee shall be divided equally between the parties. In the event that the parties fail to resolve the dispute through mediation within thirty (30) calendar days after it is submitted to the mediator, either party may file suit in the Superior Court of the State of California, San Diego County for resolution of the dispute. 622. Authority to Sign. All individuals signing this Agreement for a party which is a corporation, limited liability company, partnership, or other legal entity, or signing under a power of attorney, or as a trustee, guardian, conservator, or in any other legal capacity, covenant to the City that they have the necessary capacity and authority to act for, sign and bind the respective entity or principal on whose behalf they are signing. IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be executed as of the date first written above. CITY: City of National City By: Benjamin A. Martinez, Cit} Manager APPROVED AS TO FORM: By: wH y 1, C Barry J. Scl Itz ity Attorney [SIGNATURES CONTINUED ON FOLLOWING PAGE] 30 DEVELOPER: Tower 999, LLC, a Nevada limited liability company By: Print Name: Its: By: Print Name: Its: 31 DEVELOPER: Tower 999, LLC, a Nevada limited liability company By: Print Name: Its: 31 M14aMid" CITY PROPERTY LEGAL DESCRIPTION 32 LEGAL DESCRIPTION The land referred to herein is situated in the State of California, County of San Diego and described as follows: Lots 4, 5 and 6 in Block One (1) of W.C. KIMBALL'S SUBDIVISION OF TEN ACRE LOT TWO (2) in Quarter Section One Hundred Fifty Four (154) of Rancho De La Nacion, in the City of National City, County of San Diego, State of California, according to Map thereof No. 105, filed in the Office of the County Recorder of San Diego County, March 10, 1887. APN: 556-471-03-00 (End of Legal Description) LEGAL DESCRIPTION The land referred to herein is situated in the State of California, County of San Diego and described as follows: Lot 7 in Block 1 of W.C. KIMBALL'S SUBDIVISION, in the City of National City, County of San Diego, State of California of 10 acre lot 2 in Quarter Section 154 of Rancho De La Nacion, according to map thereof No. 105, filed in the Office of the County Recorder of San Diego County, March 10, 1887. APN: 556-471-04 (End of Legal Description) DEVELOPER PROPERTY LEGAL DESCRIPTION 33 LEGAL DESCRIPTION THE LAND REFERRED TO HEREIN BELOW IS SITUATED IN THE CITY OF NATIONAL CITY, IN THE COUNTY OF SAN DIEGO, STATE OF CALIFORNIA, AND IS DESCRIBED AS FOLLOWS: LOTS 8,9 AND 10 IN BLOCK I OF W. C. KIMBALL'S SUBDIVISION OF 10 ACRE LOT 2, QUARTER SECTION 154 OF RANCHO DE LA NACION, ACCORDING TO MAP THEREOF NO. 105 FILED IN THE OFFICE OF THE COUNTY RECORDER OF SAN DIEGO COUNTY, MARCH 10, 1887. APN: 556-471-17 CLTA Preliminary Report Form — Modified (11/17/06) Page 3 EXHIBIT C INITIAL PROJECT BUDGET 912 EXHIBIT C INITIAL PROJECT BUDGET 921-999 National City BLVD Property Acquisition - Tower 999 $ 1,250,000.00 City Parcel $ 50.000.00 Commission Fee $ 15.000.00 Total Acquisition S 1,315,000.00 HARD COSTS Hard Costs $290 $ 34 765,258.00 Additional Contingency 8% $ 2,781,220.64 Insurance (CGL & COC) 2% $ 695.305.16 Total Hard Costs S 38,241,783.80 (COSTS suhantFees $ 1,118,500.00 d, Accounting, & LLC Costs S 50,000.00 ronmental & Asbestos Reports S 15 000.00 nits $ 392,000.00 Estate Taxes (1 yr) $ 12.500 00 lines (Reproductions) $ 5,000.00 mbrig (Leaseup) S 5,000.00 eisal $ 10,000,00 rance. Utilities, Maintenance, S 25.000.00 SubTotal Sck Casts $ 1,633.000ki) Cost Contingency 10% $ 163,300.00 Total Soft Costs f 1,796,300.00 erves ie-up Reserve $ 200,000.00 1NCING FEES Onginabon Fee too $ 15,000.00 Application Fee 0.10'1. $ 1,500.00 Legal Fee S 10.000.00 ier Origination Fee 1 % $ 253,962.63 est During Construction 5-00% $ 952.359.86 rl Fee $ 20,000.00 Cost 0 051< S 12 69813 ing Costs $ 10 000,00 Total Financing Fees $ 1,275,520.63 ELOPER'S FEE 5% $ 2.254.13U8 TOTAL DEVELOPMENT COSTS $ 45.082741.50 WLI: N O-C Current Annual Loan Monitoring Fee Schedule 35 EXHIBIT D MONITORING REQUIREMENTS AND ANNUAL FEE City Fee Schedule effective December 4, 2023 Description I Fee Annual Monitoring Fee Per Unit 1 $215.00 Section 309. Occupancy Monitoring and Inspection Fees; Records and Reports. For a period of fifty-five (55) years, commencing upon Completion of Construction, the Developer shall pay to the City an annual occupancy monitoring fee per unit per year ("Annual Loan Monitoring Fee"), as determined by schedules printed by City and amended from time to time. For illustrative purpose, the schedule containing the Annual Loan Monitoring Fee in effect at the time of this Agreement's execution is attached hereto as Exhibit D. Annual Loan Monitoring Fees shall be paid by Developer to the City annually within thirty (30) calendar days after the City provides a written invoice for the same. Developer shall supply City, annually, on May 31', of each year during the term of the Regulatory Agreement, for the immediately prior calendar year, such records and reports relating to the Project Property as are required by the City to aid it in complying with its reporting and record keeping requirements. The records and reports include the following Project matters: (a) Amount of funds expended pursuant to this Agreement; (b) Eligible tenant information, including yearly income verifications; (c) On -site inspection results; (d) Housing payments charged to tenants; (e) Affirmative marketing records; (f) Insurance policies and notices; (g) Equal Employment Opportunity and Fair Housing records; (h) Labor costs and records; (i) Audited income and expense statement, balance sheet and statement of cash flows for the Developer; (j) Federal and State income tax returns for the calendar year, ending on the preceding December 315; (k) Annual budget of reserves for repair and replacement; (1) Annual certification and representation regarding status of all loans, encumbrances and taxes; (m) Such other and further information and records as the City reasonably requires in light of changes in law demanding such additional material from the Developer.