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HomeMy WebLinkAbout2022 CON D Avenue Associates - Ground Lease Kimball Highland Master Plan Project Site 2GROUND LEASE (Kimball Highland Master Plan Project Site 2) By and Between COMMUNITY DEVELOPMENT COMMISSION -HOUSING AUTHORITY F THE CITY OF NATIONAL CITY "Landlord" and D AVENUE HOUSING ASSOCIATES, L.P. "Tenant" Dated as of June , 2022 Page 1 GROUND LEASE THIS GROUND LEASE (the "Lease"), dated, for identification purposes only, as of the June �, 2022, is entered into by and between the COMMUNITY DEVELOPMENT COMMISSION -HOUSING AUTHORITY OF THE CITY OF NATIONAL CITY, a public body, corporate and politic ("Landlord" or "CDC -HA"), and D AVENUE HOUSING ASSOCIATES, L.P., a California limited partnership ("Tenant" or "Developer"). RECITALS A. WHEREAS, EAS, CDC -HA is a California community development commission acting to implement the California Housing Authorities Law, Part 2 of Division 24 of the Health and Safety Code; B. WHEREAS, Developer is controlled by an experienced owner, developer and manager of affordable housing for extremely -low, very -low and low-income families; C. WHEREAS, CDC -CIA is the owner of certain real property situated. in the City of National City, County of San Diego, State of California, and legally described in Exhibit "A" (the "Property"); D. WHEREAS, CDC -HA, Centro De Salud De La Connunidad De San Ysidro, Inc., dba San Ysidro Health, and Community HousingWorks, a California nonprofit public benefit corporation, entered into that certain "Disposition and. Development Agreement" dated as of October 20, 2020, as amended (as amended, the " A") E. WHEREAS, Developer is the affiliate of Community HousingWorks, a California nonprofit public benefit corporation, and Developer is the "Site 1 Owner" and the "Site 2 Owner" as defined in the DDA; `. WHEREAS, the DDA provided that upon the satisfaction of certain conditions, Landlord would ground lease the Property to Developer; and G . WHEREAS, all conditions precedent to the parties entering into this Lease have been satisfied or waived. NOW, THEREFORE, for and in consideration of the mutual promises, covenants, and conditions herein contained, CDC -HA and Developer agree as follows: ARTICLE L 1. LEASE OF THE PROPERTY 1,1 Lease of the Property. Landlord leases to Tenant, and Tenant hires from Landlord, the Property on the terms and conditions as set forth in this Lease. 1.2 Purpose of Lease. The purpose of this Lease is to provide for the construction, maintenance, management and operation of an 4-unit (which includes one (1) managers' unit), Page multi -family, low-income rental housing project and City Senior Center, Tenant will not occupy or use the Property, or permit the Property to be used or occupied, nor do or permit anything to be done in or on the Property, in whole or in part, for any other purpose. The foregoing notwithstanding, after the foreclosure of a Mortgage, or acceptance by a Mortgagee of an assignment or deed in lieu of foreclosure, the Property may be used for any lawful purpose. L3 Recorded Encumbrances. This Lease, the interests of Landlord and Tenant hereunder, and the Property, are in all respects subject to and bound by all of the covenants, conditions, restrictions, reservations, rights, rights -of -way and easements of record including, without limitation: the public paseo easement to be recorded concurrently with the execution of this Lease in the form reasonably approved by CDC -HA and the Tenant and those items shown as exceptions to title approved by the CDC -IAA. and set forth in a preliminary report for the Property. 1.4 Memorandum of Lease. A short form Memorandum of Lease referring to this Lease is being executed by Landlord and Tenant concurrently herewith, and recorded in the Official Records. 1.5 Assignment of Utility Rights. Landlord, by virtue of its fee title to the Property, may hold certain rights, entitlements or credits with respect to utility capacity, connections, etc. (the "Utility Rights"). Landlord hereby assigns said Utility Rights to Tenant as an incidence of its leasehold interest in the Property. ARTICLE 2. DEFINITIONS All capitalized terms used herein may be defined where first used in this Lease and/or as set forth in this Article 2. Unless otherwise defined herein, all capitalized terms shall have the same meanings ascribed to them in the DDA. For the purpose of supplying such definitions, the DDA, notwithstanding anything contained therein or herein to the contrary, shall not merge with this Lease. "Award" means any compensation or payment made or paid for the Total, Partial or Temporary Taking of all or anypart of or interest in the Property and/or the Improvements, p y whether pursuant to judgment, agreement or otherwise. "Capital Improvements" means all work and improvements with respect to the Property for which costs and expenses may be capitalized in accordance with GAAP. "Commencement Date" has the meaning set forth in Article 3 of this Lease. "Compliance Period" has the meaning set forth in Section 2 i 1 of the Internal Revenue Code of 1986, as amended. "Construction" means the initial construction of the Improvements and the Property pursuant to the Plans, which shall be completed within seventy hundred twenty (720) days following Construction Loan Closing, Page 3 "Construction Loan" refers to the loan to the Tenant from the Senior Lender, the proceeds of which are usedto construct the Project. "Construction Loan Closing" refers to the date upon which the deed of trust securing the Construction Loan is recorded in the Official Records. "Conversion Date" means the date upon which the Construction Loan converts to an amortii.g term loan in accordance with the terms of the Senior Loan Documents and Senior Loan Security Documents. "Environmental Law" means any federal, state or local environmental, health and/or safety -related law, rule, regulation, requirement, order, ordinance, directive, guideline, permit or permit condition, currently existing and as amended, enacted, issued or adopted in the future. The term Environmental Law includes, but is not limited to, the Comprehensive Environmental Response, Compensation and Liability Act of 1980, as amended, and similar state or local laws. "Event of Default" has the meaning set forth in Article 21, "Executive Director" means the Executive Director of Landlord or his/her designee. "Hazardous Materials" means any chemical, substance, object, condition, material, waste, or controlled substance which is or may be hazardous to human health or safety or to the envir-omnent, due to its radioactivity, ignitability, corrosiveness, explosivity, flammability, reactivity, toxicity, infectiousness, or other harmful or potentially harmful properties or effects, including, without limitation, all chemicals, substances, materials, or wastes that are now or hereafter may be listed, defined, or regulated in any manner by any federal, state, or local government agency or entity, or under any federal, state, or local law, regulation, ordinance, rule, policy or procedure due to such properties or effects. "Impositions" means all taxes (including, without limitation, sales and use taxes); assessments (including, without limitation, all assessments for public improvements or benefits whether or not commenced or completed prior to the Commencement Date andwhether or not to be completed within the Term); water, sewer or other rents, rates and charges; excises; levies; license fees; permit fees; inspection fees and other authorization fees and other charges; in each case whether general or special, ordinary or extraordinary, foreseen or unforeseen, of every character (including all interests and penalties thereon), which are attributable or applicable le to any portion of the Term and may be assessed, levied, confirmed or imposed on or in respect of, or be a lien upon (a) the Property or the Improvements, or any part thereof, or any estate, right or interest therein, any occupancy, use or possession of or activity conducted on the Property or the Improveme.ts, or any part thereof, or (c) this Lease. The term "Impositions" shall also include any and all increases in the foregoing, whether foreseen or unforeseen, ordinary or extraordinary, including, without limitation, any increase in real property taxes resulting from a sale of the Property by Landlord. "Improvements" means all buildings, structures and other improvements, including the building fixtures thereon, now located on the Property or hereafter constructed on the Property; all Page 4 landscaping, fencing, walls, paving, curbing, drainage facilities, lighting, parking areas, roadways and similar site improvements now located or hereafter placed upon the Property. " Indemni e " means Landlord, the City of National City, California ("city"and their respective employees, agents, members and officials. "Insurance Requirements" means all terms of any insurance policy covering or applicable to the Property or the Improvements, or any part thereof, all requirements imposed by the issuer of any such policy, and all orders, rules, regulations and other requirements of the National Board- of Fire Underwriters (or any other body exercising similar functions) applicable to or affecting the Property or the Improvements, or any part thereof, or any use or condition of the Property or the Improvements, or any part thereof. "Lease Year" means the year commencing on the first day of the first full calendar month following the Co nrnencement Date, or anniversary thereof, and ending at midnight on the last day of the month in which an anniversary of the Commencement Date occurs. "Legal equir" means all laws, statutes, codes, acts, ordinances, . orders, judgments, decrees, injunctions, rules, regulations, permits, licenses, authorizations, directions and requirements of and agreements with all governments, departtnents, commissions, boards, courts, authorities, agents, officials and officers, foreseen or unforeseen, ordinary or extraordinary, which now or at any time hereafter may be applicable to the Property or the Improvements, or any part thereof, or to any of the adjoining sidewalks, streets or ways, or to any use or condition of the Property or the Improvements, or any part thereof. "Memorandum of Lease" refers to the memorandum of lease which has been recorded as described in Section 1.4. "Mortgage" " has the meaning set forth in Section 1 .1.1 of this Lease. "Mortgagee" has the meaning set forth in Section 1 .1.1 of this Lease. "Notice of Intended Takirr " means any notice or notification on which a reasonably prudent person would rely and which said person would interpret as expressing an existing intention of Taking as distinguished from a mere preliminary inquiry or proposal. It includes, without limitation, the service of a condemnation summons and complaint on a party to this Lease. The notice 'is considered to have been received when a party to this Lease receives from the condemning agency or entity a notice of intent to take, in writing, containing a description or map of the taking which reasonably defines the extent of the taking. "Official Records" means the Official Records of San Diego County, California. "Partial Taking" means any taking of the fee title of the Property and/or the Improvements that is not either a Total, Substantial or Temporary Taking. Ply" means the plans and specifications for the Construction, a set of which, initialed by Tenant, are on file in the offices of Landlord. Page "Potential Default" means any condition or event which, with the lapse of time or the giving of notice, or both, would constitute an Event of Default. "Pro ect" refers to the Property and the Improvements constructed and maintained thereon. "Property" has the meaning set forth in Recital " ," above, "Senior Lender" means Bank of America, I.A. and its successors and assigns. "Substantial__ Taking" means the taking of so much of the Property and/or the Improvements that the portion of the Property and/or the Improvements not taken cannot be repaired or reconstructed, taking into consideration the amount of the Award available for repair or reconstruction, so as to constitute a complete, rentable structure, capable of producing a proportionately fair and reasonable net annual income after payment of all operating expenses, and all other charges payable under this Lease, and after performance of all covenants and conditions required by Tenant by law and under this Lease. " is means a taking or damaging, including severance damage, by eminent domain or by inverse condensation or for any public or quasi -public use under any statute. The taking may occur as a result of a transfer pursuant to the recording of a final order in condemnation, a voluntary transfer or conveyance to the taking authority under threat of condemnation, or a transfer while condemnation proceedings are pending. Unless otherwise provided, the taking shall be deemed to occur as of the earlier of (a) the date actual physical possession is taken by the condemnor, or (b) the date on which the right to compensation and damages accrues under the law applicable to the Property and/or the Improvements. A taking as used in this Lease does not include the voluntary dedication of any portion of the Property necessary to obtain building permits or to comply with any other applicable governmental rule, regulation or statute; nor does it include the enactment of any law, ordinance or regulation which may affect the use or value of the Property but which does not involve an actual taking of any portion thereof. Eminent domain actions filed by Landlord against owners of portions of the Property and pending as of the Commencement Date shall not be deemed, construed or interpreted as a Taking under this Lease. "Tax Credit Partner" means Bank of America, NA. and Banc of America CDC Special Holding Company, Inc., and each of their respective successors and assigns. "Temporary Taking" means a taking of all or any part of the Property and/or the Improvements for a term certain which term is specified at the time of taking. Temporary Taking does not include a taking which is to last for an indefinite period or a taking which will terminate only upon the happening of a specified event unless it can be determined at the time of the taking substantially when such event will occur. If a taking for an indefinite term should take place, it shall be treated as a Total, Substantial or Partial Taking in accordance with the definitions set forth herein. "Term" has the meaning set forth in Article 3 of this Lease. Page "Total T`akin " means the taking of the fee title to all of the Property. "Unit" means a dwelling unit on the Property. ARTICLE 3. TERM The term of this Lease (the "Term") shall commence on the date the Memorandum of Lease records in the Official Records (th.e "Commencement ent Date"), and shall continue thereafter until the sixty-fifth (65th) anniversary of the date on which a certificate of occupancy is issued for the Improvements. ARTICLE . RENTAL 4.1 Rent The rent shall be a capitalized amount of $3,000,000 based on the appraisal of leasehold value dated November 17, 2020 (the "Rent"). The Rent shall be payable at the Construction Loan Closing via a Promissory Note in the amount of $3,000,000 (the "Note"), which Note shall be secured by a deed of trust (the "Deed of Trust"). The Note shall be for a term of 55 years, bearing simple interest of 3% per annum with a minimum annual payment of $30,000 per year. The Note and the Deed of Trust shall be in forms reasonably approved by Landlord and Tenant. 4.2 Right to Audit. Tenant shall keep full and accurate books of account, records and other pertinent data with respect to operations of the Project. Such books of account, records, and other pertinent data shall be kept for a period of three years after the end of each Lease Year. Landlord shall be entitled within two (2) years after the end of each Lease Year to inspect and examine all Tenant's books of account, records, and other pertinent data. Tenant shall cooperate fully with Landlord in making the inspection. Landlord shall also be entitled, at the Landlord's sole cost and expense, also within two 2 years after the end of each Lease Year, to an independent audit of Tenant's books of account, records, and other pertinent data. .3 Utilities. Tenant shall be responsible for the payment of all water, gas, electricity and other utilities used by Tenant on the Property. 4.4 Taxes and Assessments. 4.4.1 Notice of Possessory Interest; Payment of Taxes and Assessments on Value of Entire Property. In accordance with California Revenue and Taxation Code Section 1 . (a), Landlord states that by entering into this Lease, a possessory interest subject to property taxesmay be created. Tenant or other party in whom the possessory interest is vested may be subject to the payment of property taxes levied on such interest. 4. .2 Payment of Taxes. Subject to any applicable exemptions, Tenant shall pay the real property anddor possessory interest taxes applicable to the Property during the term of this Lease. All such payments shall be made prior to the delinquency date of such payment. Tenant shall promptly furnish Landlord with satisfactory evidence that such taxes have been paid or that Page an exemption from such taxes has been obtained. If any such taxes paid by Tenant shall cover any period of time prior to or after the expiration of the Term, Tenant's share of such taxes shall be equitably prorated to cover only the period of time within the tax fiscal year during which this Lease shall be in effect, and Landlord shall reimburse Tenant to the extent required. If Tenant shall fail to ay any such taxes, Landlord shall have the right to ar the same, in which case Tenant shall repay such amount to Landlord within ten (10) days after demand from Landlord together with interest at the rate set forth in Section 4.5. 4.4.3 finiti n. As used herein, the term "real property tax" shall include any form of real estate tax or assessment (including, without limitation, on possessory interests), general, special, ordinary or extraordinary, and any license fee, commercial rental tax, improvement bond or bonds, levy or tax (other than inheritance, personal income, or estate taxes) imposed on the Property or any interest (including, without limitation, possessory interests) therein by any authority having the direct or indirect power to tax, including any city, state or federal government, or any school, agricultural, sanitary, fire, street, drainage or other improvement district thereof, as against any legal or equitable interest of Landlord or Tenant in the Property or in the real property of which the Property are a part, as against Landlord's right to rent or other income therefrom, and as against Landlord's business of leasing the Property. The term `real property tax" shall also include any tax, fee, levy, assessment or charge (i) in substitution of, partially or totally, any tax, fee, levy, assessment or charge hereinabove included within the definition of "real property tax," or (ii) the nature of which was hereinbefore included within the definition of "real property tax," or iii which is imposed as a result of a transfer, either partial or total, of Landlord's interest in the Property or which is added to a tax or charge hereinbefore included within the definition of real property tax by reason ofsuch transfer, or (v) which is imposed by reason of this lease transaction, any modifications or changes hereto, or any transfers hereof. 4.4.4 Personal Properly. Tenant shall pay prior to delinquency all taxes assessed against: and levied upon trade fixtures, furnishings, equipment and all other personal property of Tenant contained in the Property or elsewhere. When possible, Tenant shall cause said trade fixtures, furnishings, equipment and all other personal property to be assessed and billed separately from the real property of Landlord. 4.4.5 Apportionment. If any of Tenant's said personal property shall be assessed with Landlord's real property, Tenant shall pay Landlord the taxes attributable to Tenant not later than the later of (a) ten (10) days after receipt of a written statement setting forth the taxes applicable to Tenant's property or (b) fifteen 1 days prior to the date said taxes are due and payable. 4.5 Overdue Interest. Any amount due to Landlord, if not paid when due and before expiration of the applicable grace period, if any, shall bear interest from the date due until paid at the lower of: (a) the reference or prime rate of Bank of America, N.T. & S.A., in effect from time to time plus three percent (3%); orb the highest rate of interest allowed under applicable usury law. Page ARTICLE 5. POSSESSION OF PROPERTY TY 5.1 acceptance of Premises. Tenant hereby accepts the Property. .2 Ownership of Improvements. During the term of this Lease title to all Improvements, now existing or later made, on the Property are and shall be vested in Tenant. Tenant shall not, however, remove or demolish any Improvements from the Property except as permitted herein. Concurrently with recordation of the Memorandum of Lease, Landlord shall execute a grant deed conveying ownership of the Improvements to the Tenant. Upon termination of this Lease, ownership to the Improvements shall automatically revert back to the Landlord. At all times during the Term, Tenant alone shall be entitled to all of the tax attributes of ownership of the Improvements, including, without limitation, the right to claim depreciation and the right to claim the low-income housing tax credit described in Section 42 of the Internal Revenue Code, as well as all other benefits for income tax purposes. 5.3 Surrender of Property. .. l Upon Expiration. Tenant agrees that on expiration or termination of the Term, the Improvements on the Property shall become the property of Landlord, free from any liens or claims whatsoever, without any thither compensation therefor from Landlord to Tenant or any other person. 5.3.2 Condition. On expiration or termination of the Term, Tenant shall peaceably and quietly leave and surrender the Property and the Improvements to Landlord in good order, condition and repair, reasonable wear and tear and obsolescence excepted. Tenant shall leave in place and in good order, condition and repair, all fixtures and machinery; except (if Tenant is not then in default under this Lease) Tenant shall have the right to remove only Tenant -owned appliances, other unattached equipment, furniture and merchandise that Tenant shall have installed, which removal must be done without damage to the Property or Improvements. Landlord shall have the right to have the Property and the Improvements inspected at Tenant's cost to determine whether the Property and the Improvements have been properly maintained, repaired and restored in accordance with the terms of this Lease. That notwithstanding, Tenant shall not be responsible for the interior condition of individual occupied apartments on the termination or expiration of this Lease. . . eli r f ----I xa .. Contemporaneous with the expiration or termination of the Term, Tenant shall immediately deliver to Landlord the following: (a) Such documents, instruments and conveyances as Landlord may reasonably request to enable Landlord's ownership of the Property and the Improvements to be reflected of record, including, without limitation, a quitclaim deed in recordable form to the Property and the Improvements. (b) If requested by Landlord, title insurance, surety bond, or other security reasonably acceptable to Landlord insuring against all claims and liens against the Page 9 Property and the Improvements other than those incurred by Landlord or accepted by Landlord in writing. (c) All construction plans, surveys, permits and other documents relating to the Improvements as may be in the possession of Tenant at the time and from time to time thereafter. (d) All documents and instruments required to be delivered by Tenant to Landlord pursuant to this Section shall be in form reasonably satisfactory to Landlord. 5A Abandonment. Tenant shall not abandon or vacate the Property or the Improvements at any time during the Tenn. If Tenant shall abandon, vacate or otherwise surrender the Property or the Improvements, or be dispossessed (other than dispossession as the result of a Substantial Taking or a Taking) thereof by process of law or otherwise, the same shall constitute a default under this Lease on the part of Tenant and, in addition to any other remedy available on the part of Landlord, any of Tenant's property left in, upon or about 'the Property or the Improvements (except for underground storage tanks) shall, at Landlord's option, be deemed to be abandoned and shall become the property of Landlord. The appointment of a receiver pursuant to a Mortgagee's exercise of its rights under a Mortgage, or the foreclosure of a Mortgage, shall not be a default under this Section. ARTICLE 6. REPRESENTATIONS AND WARRANTIES 6.1 Landlord's Representations. Landlord represents and warrants to Tenant that it owns the Property in fee simple and has the power and authority to enter into this Lease and perform all obligations and agreements incidental or pertinent to the Lease. Landlord makes no representation or warranty with respect to the condition of the Property or its fitness or availability for any particular use, and Landlord shall not be liable for any latent or patent defect therein. 6.2 Tenant's Representations. Tenant represents and warrants to Landlord that it has examined the Property and acknowledges that it hereby accepts possession of the Property in its "AS IS" condition, with all faults and defects, including, without limitation, infestation of or damage to the Property caused by wood -destroying pests or organisms. ARTICLE 7. DEVELOPMENT OF THE PROPERTY 7.1 Construction. Within thirty days after the Construction Loan Closing, or such longer period as the Executive Director may approve, Tenant shall commence the Construction. All Improvements, together with any off -site improvements, shall be constructed in a good and workmanlike manner using materials of good quality and in substantial compliance with the Plans as modified pursuant to this Article 7, and shall comply with all applicable governmental permits, laws, ordinances and regulations. Any of the Plans, including, without limitation, landscaping plans, not approved by the Executive Director as of the Construction Loan Closing shall be subject to the prior approval of the Executive Director. Page 10 7.2 Construction Cost. Tenant shall bear the cost of the Construction, including all fees and mitigation measures. #3 Changes; Landlord Consent. Except as otherwise provided in this Lease, Tenant shall not make any changes in the Plans without the Executive Director's prior written consent if such change (a) constitutes a material change in the building material or in the architectural design, value or quality of any of the Improvements, or (b) would result in an increase in construction costs in excess of Seventy -Five Thousand Dollars $ ,000. 0 for any single change or in excess of Three Hundred Thousand Dollars $ 3 00,00 .00 for all such changes. Without limiting the above, Landlord agrees that Tenant may make minor changes which do not change the Projects aesthetics without the Executive Director's prior written consent, provided that such changes do not violate any of the conditions specified herein. 7. .1.1, Sxr rrxlssior� a lulrernent: Tenant shall submit any proposed material changes in the Plans to the Executive Director at least ten (10) days prior to the commencement of the Construction relating to such proposed material change. Requests for any material change which requires consent shall be accompanied by working drawings and a written description of the proposed change, submitted on a change order form acceptable to the Executive Director, signed by Tenant and, if required by the Executive Director, also by the Project architect If a proposed change is approved, then Tenant shall be notified in writing within ten(10) days after submission. If the Executive Director fails to disapprove a proposed change within said ten (10)-day period, and state the reason(s) for such disapproval with reasonable particularity, then the proposed change shall be deemed approved. .4 Landlord's Review. Landlord does not have, and by this Lease expressly disclaims, the right to or duty for any review of the Plans for the purpose of determining compliance with building codes, safety features or standards or for the purpose of determining or approving engineering or structural design, sufficiency or integrity. Landlord's approval of a direction or request to change the plans, specifications or drawings submitted by Tenant is not and shall not be a review or approval of the quality, adequacy or suitability of such plans, specifications or drawings, nor of the labor, materials, services or equipment to be furnished or supplied in connection therewith. Landlord does not have and expressly disclaims any right of supervision or control over the architects, designers, engineers or other draft persons and professionals responsible for the drafting and formulation of the Plans, or any right of supervision or control of contractors, builders, trades and other persons engaged in constructing and fabricating the improvements pursuant to the Plans. Landlord further acknowledges that it shall not have any right to disapprove any plan, specification or drawing which logically evolves from any previously approved plan, specification or drawing or to request or require a change in any previously approved item, 7.5 Soil Conditions. Landlord makes no covenants or warranties respecting the condition of the soil or subsoil or any other condition of the Property, provided, however, that the foregoing shall not constitute a release of Landlord under any statute or common law theory. Page 11 7.6 Piligent Prosecution to Completes. Once the work is begun, Tenant shall, with reasonable diligence, prosecute the Construction to completion. The Construction shall be completed and ready for use not later than seven hundred twenty days 2 clays after the Construction Loan Closing subject to the right to notice andcure set forth in Section 21.1.4); provided, however, that the time for completion shall be extended for as long as Tenant shall be prevented from completing the Construction by delays beyond Tenant's control. Additionally, upon the written request of Tenant, the Executive Director may, at his sole and absolute discretion, grant one or more extensions of the date by which the Construction must be completed of, in the aggregate, not more than ninety (90) days. All work shall be performed in a good and workmanlike manner, shall substantially comply with the Plans, and shall comply with all applicable governmental permits, laws, ordinances, and regulations. 7.7 RiOat of Access. During normal construction hours, representatives of Landlord shall have the reasonable right of access to the Property without charges or fees for the purpose of inspecting the work of the Construction; provided, however, that such representatives shall present and identify themselves at Tenant's construction office, be accompanied by a representative of Tenant while on the Property and obey Tenant's, or its contractor's, safety rules and regulations. In addition, Landlord shall have the right to authorize the City and other public agencies to enter the Property, upon the same terms after reasonable prior written notice to Tenant, for the purpose of constructing, reconstructing, maintaining or repairing any public improvements or public facilities located on the Property. Landlordshall deliver written notice of the identity of its representatives to Tenant before such representatives enter the Property. Landlord hereby indemnifies and holds Tenant, and its contractors, subcontractors, agents, representatives and employees, and the Property, harmless from and against any loss, cost, damage or liability, including, without limitation, attorneys' fees, which results from the exercise by Landlord, or any party acting under Landlord's authority, of the rights granted by this Section. 7.8 Governmental Approvals. If requested by Landlord in writing, Tenant covenants and agrees to deliver to Landlord conformed copies (and certified copies of all recorded instruments) of all governmental approvals and permits obtained by Tenant for the Construction in accordance with the Plans. In no event shall Tenant commence Construction of any Improvements pursuant to the provisions of this Article 7 until such time as Tenant shall have obtained all necessary governmental approvals and permits to so construct such Improvement, 7. Landlord's Rigl[Discharge Lien, If Tenant does not cause to be recorded the bond described in California Civil Code Section 3143 or otherwise protect the Property under any alternative or successor statute, and a final judgment has been entered against Tenant by a court of competent jurisdiction for the foreclosure of a mechanic's, rnat rial an' , contractor's, or subcontractor's lien claim, and if Tenant fails to stay the execution ofthe judgment by lawful means or to pay the judgment, Landlord shall have the right, but not the duty, subject to the notice and cure rights of Mortgagees and the Tax Credit Partner set forth elsewhere in this Lease, to pay or otherwise discharge, stay, or prevent the execution of any such judgment or lien or both. Tenant shall reimburse Landlord for all sums paid by Landlord under this Section, together with all Landlord's reasonable attorneys' fees and costs, plus interest on those sums, fees, and costs from the date of payment until the date of reimbursement at the rate set forth in Section 4.5. Page 1 . 1 o Force Mai cure, All obligations of Tenant to promptly commence and thereafter diligently prosecute to completion the Construction shall be extended by such number of days as Tenant shall be delayed by reason of events of force majeure pursuant to Article 24. 7.11 Notice of Non -Responsibility. After the recordation of the Certificate of Completion for the Improvements in the Official Records, Tenant shall provide Landlord with prior written notice of not less than fifteen (15) days before commencing construction of any structural alteration ofthe Improvements, r any non-structural alteration which will cost more than Twenty -Five Thousand Dollars 2.5,000.00 , and shall permit Landlord to record and post appropriate notices of non -responsibility r on the Property. The foregoing Twenty -Five Thousand Dollar 25,000, 0 limitation shall be increased each calendar year by the corresponding percentage increase in the Index. 7.12 Notice of Completion, On completion of Construction of the Improvements, Tenant shall file or cause to be filed a notice of completion. Tenant hereby appoints Landlord as Tenant's attorney -in -fact to file the notice of completion on Tenant's failure to do so after the Construction work has been substantially completed. 7.13 Subsequent Alterations. Following the Construction in substantial accordance with the Plans, Tenant may from time to time, at its sole expense, make improvements and other alterations to the Property which Tenant ieasonabiy determines to be beneficial. Tenant shall not make any alteration or improvement to the Property the cost of which exceeds Fifty Thousand Dollars ($50,000.00) without Landlord's prior written consent, which consent shall not be unreasonably withheld or delayed, The foregoing dollar amount limitations shall be increased each calendar year by the corresponding increase in the Index. Tenant shall timely pay any obligation incurred by Tenant with respect to any such alterations or improvements that could become a lien against the. Property and shall defend, indemnify and. hold Landlord harmless in connection therewith, ARTICLE 8. USE OF THE PROPERTY, HAZARDOUS MATERIALS, AND NON- DISCRIMINATION 8.1 Definitions Applicable to this Article. All capitalized terms used in this Article and not elsewhere defined shall have the following meanings: "30 % of Median income Tenants" means persons or families with Adjusted. Income that does not exceed thirty percent (30%) of the Median Income for the Area, adjusted for household size. "50% of Median Income Tenants" means persons or families with Adjusted Income that does not exceed fifty percent (50%) of the Median Income for the Area, adjusted for household size. Page 1 " !% of Median Income Tenants" means persons or families with Adjusted Income that does not exceed sixty percent (60%) of the Median Income for the Area, adjusted for household size. "70% of Median Income Tenants" means persons or families with Adjusted Income that does not exceed eighty percent (70% of the Median Income for the Area, adjusted for household size, "Adjusted Income" means the adjusted income of a person (together with the adjusted income of all persons of the age of eighteen 1 years or older who intend to reside with such person in one residential unit) as calculated in the manner prescribed under Section 142(d)(2)(B) of the Code: "Affordable Rents" means collectively Affordable Rent for 30% of Median income Tenants, Affordable Rent for 50% of Median income Tenants, Affordable Rent for 60% of Median income Tenants, and Affordable Rent for 70% of Median income Tenants. "Affordable Rent_ for 30% of Median Income Tenants" means monthly rent (including the Utility Allowance, and excluding any supplemental rental assistance from the State of California, the federal government or any other public agency) not in excess of thirty percent (30%)of one -twelfth It th of thirty percent (30%) of the Median Income for the Area adjusted for family size appropriate for the Unit, pursuant to California Health & Safety Code Section 33413, 50052.5 and 50053. "Affordable Rent for 5% of Median Income Tenants" means monthly rent (including the Utility Allowance, and excluding any supplemental rental assistance from the State of California, the federal government or any other public agency) not in excess of thirty percent (30%) of one -twelfth 1 12 th of fifty percent (50%) of the Median Income for the Area adjusted for family size appropriate for the Unit, pursuant to California Health & Safety Code Section 33413, 50052.5 and 5 005 3. "Affordable_ Rent for 60% of Median _Income Tenants" means monthly rent (including the Utility Allowance, and excluding any supplemental rental assistance from the State of California, the federal government or any other public agency) not in excess of thirty percent (30%)of one -twelfth 1 12th of sixty percent (60%) of the Median Income for the Area adjusted for family size appropriate for the Unit, pursuant to California Health & Safety Code Section 33413, 50052.5 and 50053. "Affordable Rent for 70% of Median Income Tenants" means monthly rent (including the Utility Allowance, and excluding any supplemental rental assistance from the State of California, the federal government or any other public agency) not in excess of thirty percent (30%) f one -twelfth (1/12th) of eighty percent (70%) of the Median Income for the Area adjusted for family size appropriate for the Unit, pursuant to California Health & Safety Code Section 33413, 50052.5 and 50053. Page 14 "Certificate of Continuing Program Compliance" shall mean the Certificate to be filed annually (or quarterly at the written request of the Executive Director) by Tenant with the Executive Director which shall be substantially in the form attached to this Lease as Exhibit "C". "Code" means the Internal Revenue Code of 1986, as amended, including the Regulations promulgated thereunder or under any predecessor statute. "Median Income for the Area" means the median income for the areaas determined and published annually by the Secretary of Housing and Urban Development under Section 8 of the United States Housing Act of 1937, as amended, or if programs under Section are terminated, median income for the Area determined under the method used by the Secretary of Housing and Urban Development prior to such termination. "Utility Allowance" means a monthly allowance for Utility Services based on a utility allowance schedule published annually by Landlord. "Utility Services" means all utility services included on the utility allowance schedule published annually by Landlord. 8.2 Affordable Housing. As hereinafter more particularly provided, Tenant shall use the Property and the Improvements as rental housing with certain ancillary purposes. [nine] of the Units shall be leased to 30% of Median Income Tenants at Affordable Rent for 30% of Median Income Tenants. [nine] of the Units shall be leased to 50% of Median Income Tenants at Affordable Rent for 50% of Median Income Tenants. [fifty one] of the Units shall be leased to 60% of Median Income e Tenants at Affordable Rent for 60% of Median Income Tenants. [fourteen] (14) of the Units shall be leased to 70% of Median Income Tenants at Affordable Rent for 70% of Median Income Tenants. Except for such reasonable periods during which a Unit is, or Units are, being maintained, repaired or rehabilitated, Tenant shall actively market any vacant unit or units and lease it or them as soon as reasonably possible so as to satisfy the subleasing requirements immediately above. In the selection of subtenants for occupancy of the Units, Tenant shall give priority to eligible persons displaced by Landlord or by the National City Redevelopment Agency. Any such priority shall be subject to the rules and regulations of the Tax Credit Program and to each such subtenant meeting screening criteria (pursuant to the management plan delivered by Tenant to Landlord) approved by the Executive Director, which approval shall not be unreasonably withheld. Landlord acknowledges and agrees that it will execute and deliver the lease rider, in form and substance required by the California Tax Credit Allocation Committee, which rider will be recorded in the Official Records of San Diego County following recordation of the Memorandum of Lease. 8.3 Increase _._ in . Pro 's or il's Income. For purposes of satisfying the obligation to rent the dwelling units as set forth in Section 8.2 above, a person or family who at the commencement of his, hers or its occupancy qualified as a 30% of Median Income Tenant, 50% of Median Income Tenant, 60% of Median Income Tenant, or 70% of Median Income Tenant, as applicable, shall continue to be treatedas such Tenant irrespective of any later increase in his, her or their income. A Unit occupied by a 30% of Median Income Tenant, 50% of Median Income Tenant, 60% of Median Income Tenant, or 70% of Median Income Tenant, as applicable, shall be Page 1 deemed, upon the termination of such person ' s or family's occupancy, to be continuously occupied by such 30% of Median Income Tenant, 50% of Median Income Tenant, 60% of Median Income Tenant, or 70% of Median Income Tenant, as applicable, until reoccupied, provided that Owner actively, diligently and continuously markets such Unit for occupancy by a Tenant of the same income classification. .4 Section 8 Certificate Holders. Tenant shall accept as Low -Income Tenants, on the same basis as all other prospective Low -Income Tenants, persons and families that are recipients of federal certificates for rent subsidies pursuant to the existing program under Section 8 of the United States Housing Act of 1937, as amended, or its successor, and shall not apply selection criteria to Section 8 certificate holders that are more burdensome than the criteria applied to all other prospective Low -Income Tenants. Tenant agrees to modify the subleases for the Units, as necessary, to allow the rental of Units to Section 8 certificate holders. .5 Rent Increases. Tenant may adjust the Affordable Rents in accordance with periodic revisions to the Median Income for the Area by the U.S. Secretary of Housing and Urban Development; provided, however, that the Affordable Rent for any Unit may not be increased more often than one time per 12-month period, and only after at least thirty (30) days prior written notice to the affected Low -Income Tenant, 8.6 Initial Income Certification. Immediately prior to the initial occupancy of each new subtenant, and at least annually thereafter, Tenant shall obtain, in substantially the form set forth on Exhibit "B", current income certification statements for each subtenant. Tenant shall make a good faith effort to verify each income certification statement provided by an applicant for subtenancy or a subtenant by taking one or more of the following steps as part of the verification process: (a) obtain a pay stub for the most recent pay period, (b) obtain an income tax return for the most recent tax year, (c) conduct a credit check, criminal background check or similar search, (d) obtain an income verification form from the applicant's or subtenant's current employer, (e) obtain an income verification form from the Social Security Administration and/or the California Department of Social Services if the applicant receives assistance from either of such agencies, or (f) if the applicant is unemployed and has no such tax return, obtain another form of independent verification. Tenant shall maintain each such income certification statement on file for not less than three years. 8.7 Annual Recertification. Not less than annually, Tenant shall obtain and maintain a file, again in substantially the form set forth in Exhibit "B", of current income recertification statements for each subtenant. Tenant shall make a good faith effort to verify each income recertification statement in the manner described in Section 8.6. Tenant shall also maintain each such income recertification statement on file for not less than three 3 years. 8.8 `or.m of Sublease. The form of sublease or subrental agreement used by Tenant shall clearly notify subtenants that Tenant has relied on the income certification supplied by the subtenant, and will rely on the annual income recertification to be supplied by the subtenant, in determining qualification for occupancy at Affordable Rent, and that any material misstatement in Page 1 such certification or recertification will be cause for immediate termination of such sublease or subrental agreement. 8.9 Low. -Income Housing Tax Credit Pro ram. Notwithstanding anything contained in this Lease to the contrary, if and when the Property is subject to the requirements of the Federal Low -Income Housing Tax Credit Program under the provisions of Section 42 of the Code (the "Tax Credit Program"), and there is a conflict between the requirements of the Tax Credit Program and the affordability provisions set forth in Sections 8.1 or 8.3 through 8.8 above, inclusive, the Tax Credit Program provisions shall prevail. 8.10 Access and .eor'ti. Tenant shall permit the representatives of Landlord at any time or from time to time, upon one business day's notice, to inspect, audit and copy all of its properties, books, records and accounts. Tenant shall maintain a system of accounting established and administered in accordance with sound business practices to permit preparation of financial statements which shall be in conformity with GAP basis of accounting. Tenant shall furnish or cause to be furnished to Landlord the following: (a) Notice of Default. As soon as possible, and in any event not later than five days after the occurrence of any Event of Default, a statement of an officer of Tenant describing the details of such Event of Default and any curative action Tenant proposes to take; (b) Annual Statements. s soon as available, and in any event not later than one hundred twenty (120) days after the close of each fiscal year of 'Tenant, financial statements of Tenant, including a profit and loss statement, reconciliation of capital accounts and a consolidated statement of changes in financial position of Tenant as at the close of and for such fiscal year, all in reasonable detail, certified as provided in clause (a) above by an officer or partner of Tenant and, upon request of Landlord, if total operating expenses for such year exceed the total amount set forth in the Pro Forma Budget by more than five percent (5%), accompanied by a compilation report prepared by a firm of certified public accountants, and in a format, each reasonably acceptable to the Executive Director; (c) Pro Form a Budget. As soon as available and in any event not later than December 15 of each calendar year beginning with the year in which Construction is completed, Tenant shall provide Landlord with a detailed projection of operating income and budgets of estimated operating expenses for the immediately succeeding calendar year (the `Pro Forma Budget") and a detailed cash flow projection for the next succeeding year. Tenant shall also submit to Landlord on request additional detail, information and assumptions used in the preparation of the Pro Forma Budget. Tenant shall use commercially reasonable efforts to operate the Property during such calendar year within the Pro Forma Budget; (d) Tax Returns. As soon as available, and in any event not later than at the time of filing with the Internal Revenue Service, the federal tax returns (and supporting schedules, if any) of Tenant; (e) Certificate of Performance. Concurrently with delivery of each of the financial statements provided for in clause (b) above, a certificate of an officer or partner of Tenant Page 17 stating that Tenant has, in all material respects, performed and observed each of its covenants contained in this Lease and that no Event of Default or Potential Default has occurred or, if any such event has occurred, specifying its nature; (f) Redevelopment Monitoring. Tenant shall submit to Landlord on an annual basis the annual report required by Section 33418 of the California Health and Safety Code. The annual report shall include for each dwelling unit the rental rate and the income and the family size of the occupants. (g) Rent Roll. As soon as possible and in any event not later than forty-five days after the close of each calendar quarter, the rent roll as of the end of such calendar quarter setting forth such information, and in such format, as is reasonably acceptable to the Executive Director; (h) Audit Reports. Promptly upon receipt thereof, copies of all reports submitted to Tenant by independent certified public accountants in connection with each annual, interim or special audit of the financial statements of Tenant made by such accountants, including the comment letter submitted by such accountants to management in connection with their annual audit; (i) Notices, Certificates or Communications. Immediately upon giving or receipt thereof, copies of any notices, certificates or other con mnunications given by or on behalf of Tenant or received by or on behalf of Tenant from lenders pursuant to or in connection with any of the loan documents, as well as any notices and other communications delivered to the Property or to Tenant naming Landlord or the "Construction Lender" as addressee, or which could reasonably be deemed to affect the Construction or the ability of Tenant to perform its obligations to Landlord; MonthiLeasing Report. As soon as available and in no event later than the twenty fifty (25th) day of every calendar month, a monthly property analysis report for the y Property indicating the current leasing status for the Property; 1 Monthly it Operating Statements. As soon as available and in no event later than the twenty-fifth (25th) day of every calendar month, commencing with the first full calendar month following commencement of lease -up of the Property, a "Monthly peratin Statement" showing all operating income, operating expenses, and debt service the prior month, in a form reasonably satisfactory to the Executive Director; (1) Certificate of Continuing Program Compliance. Tenant shall submit to Landlord on an annual basis the Certificate of Continuing Program Compliance. (rn) Other Information. Such other documents and information relating to the affairs of Tenant and the Property as Landlord reasonably may request from time to time which Tenant can provide for a reasonable cost. Page 1 8.11 Onsite Manager. Tenant, through an onsite professional property manager or property management company, shall manage the Project r cause it to be managed. A.ar or management company retained to act as agent for Tenant in meeting the obligation of providing an onsite manager shall be subject to prior written approval of the Executive Director, which approval shall not be unreasonably withheld or delayed. ConAm Management Corporation ('Property. Manager") is hereby approved by Landlord as the initial property manager. In exercising his/her approval rights hereunder, the Executive Director may require proof of ability and qualifications of the manager and/or management company based upon (i) prior experience, (ii)assets, and(hi) other factors determined by the Executive Director as necessary. The Executive Director can approve of property manager and/or management company upon submittal of one or more candidates proposed by Tenant. Furthermore, upon sixty days prior written demand from Landlord with cause, Tenant shall remove and replace a property manager and/or property management company. In any agreement with a property manager or property management company ("Management Agreement"), Tenant shall expressly reserve the right to terminate such agreement upon written demand of Landlord with cause. That notwithstanding, Landlord agrees that Property Manager shall be entitled to a thirty (30)-day notice of default and a reasonable opportunity to cure before any such termination. 8.12 No Use of Hazardous Materials on the Propprty. Tenant covenants and agrees that it shall not, and that it shall not permit any subtenant to, treat, use, store, dispose, release, handle or otherwise manage Hazardous Materials on the Propertyfrom and after the date hereof except in connection with any construction, rehabilitation, operation, maintenance or repair of the Improvements or in the ordinary course of its business, and that such conduct shall be done in compliance with all applicable federal, state and local laws, including all Environmental Laws. Tenant's violation of the foregoing prohibition shall constitute a breach hereunder and Tenant shall indemnify, hold harmless and defend the Landlord for such violation as provided below. 8.13 Notice and emediation by Tenant. Tenant shall promptly give the Landlord written notice of any significant release of any Hazardous Materials, and/or any notices, demands, claims or orders received by Tenant from any governmental agency pertaining to Hazardous Materials which may affect the Property. 8.14 nviro m n .l In lemnit:. Tenant agrees to indemnify, protect, hold harmless, and defend (with counsel reasonably satisfactory to Landlord) the Indemnitees from and against any and all losses, costs, claims, expenses, damages (including, without limitation, foreseeable or unforeseeable consequential damages), and liabilities directly or indirectly arising out of or in any way connected with (a) Tenant's breach or violation of any covenant, prohibition or warranty in this Lease concerning Hazardous Materials, or b the activities, acts or omissions of Tenant, its employees, contractors or agents on or affecting the Property from and after the Commencement Date, including but not limited to the release of any Hazardous Materials or other kinds of contamination or pollutants of any kind into the air, soil, groundwater or surface water on, in, under or from the Property. This indemnification supplements and in no way limits the scope of the indemnification set forth in Article 13. Page 1 8.15 Terminatioi; Subtenants. The agreements and obligations of Tenant under this Article 8 with regard to indemnification of Landlord shall survive the scheduled termination or sooner expiration of the Term for any reason, for five years and all claims relating thereto must be delivered in writing to Tenant within such period. That notwithstanding, the extension of time within which to deliver a claim to Tenant shall not extend, beyond the date of expiration or termination of this Lease, the period in which Claims may arise. No action by any subtenant in violation ofits sublease shall constitute a cause to terminate this Lease provided that Tenant diligently pursues its available remedies against such subtenant. 8.16 Nondiscrimination. There shall be no discrimination against or segregation of any person or group of persons, on account of race, color, creed, religion, seq., marital status, national origin, or ancestry, in the leasing, subleasing, transferring, use, occupancy, tenure, or enjoyment of the Property nor shall the Tenant itself, or any person claiming under or through Tenant, establish or permit any such practice or practices of discrimination or segregation with reference to the selection, location, number, use or occupancy of tenants, lessees, sublessees, subtenants, or vendees in the Property. 8.17 Form of Nondiscrimination and Nonsegregation Clauses. Tenant covenants and agrees for itself, its successors, its assigns and every successor in interest to the Property or any part thereof, that it shall refrain from restricting the lease, sublease, rental, transfer, use, occupancy, tenure, or enjoyment of the Property (or any part thereof) on the basis of sex, marital status, race, color, religion, creed, ancestry or national origin of any person. All such leases, or contracts pertaining thereto shall contain or be subject to substantially the following nondiscrimination or nonsegregation clauses: 8.17.1 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 sex, marital status, race, color, religion, creed, 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, location, number, or occupancy of tenants, lessees, sublessees, tenants, or vendees in the land herein leased." .17.2 In contracts: "There shall be no discrimination against or segregation of, any person or group of persons on account of sex, marital status, race, color, religion, creed, national origin or ancestry in the sale, lease, sublease, rental, 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." 8.18 Resident nt Services. From not later than six months after the date of issuance of a temporary certificate of occupancy for the Project until expiration of the Term, Tenant shall Page 20 provide, or cause to be provided by a reasonably qualified person or firm, services to the residents of the Project in accordance with the plan therefor attached hereto as Exhibit "D". LPlan for Resident Services] is hereby approved by Landlord as the initial provider of such resident services. In the event Tenant desires to replace the resident services provider for any reason, the Executive Director shall have the authority to approve such a change in his or her reasonable discretion upon submittal of one or more candidates proposed by the Tenant. 8.19 Effect and Duration of Covenants. Subject to Section 8.21 below, the covenants established in this Article shall, without regard to technical classification and designation, be binding on Tenant and any successor in interest to the Property, or Tenant's leasehold interest therein, or any part thereof, for the benefit and in favor of the Landlord, its successors and assigns, and the City until the expiration of the Term, except to the extent said covenant expressly provides that it shall survive the expiration of the Term. 8.20 Indemnification. Tenant hereby saves, defends, indemnifies and holds the Ind.ennitees harmless from and against any and all losses, costs, damages or liabilities, including, without limitation, reasonable attorneys' fees and costs, which result from the breach of any representations and warranties contained in this Article 8. 8.21 Terminable Upon Foreclosure. Notwithstanding anything contained in this Lease to the contrary, upon foreclosure of a Mortgage, or acceptance by a Mortgagee of an assignment or deed in lieu of foreclosure, Section 8 .1 through Section 8.16, inclusive, Section 8.18 and Section 8.20 of this Lease shall be terminable by. the purchaser at the foreclosure sale, or the assignee or grantee of a deed in lieu of foreclosure, by notice to Landlord. Termination of such Sections pursuant to this provision shall not affect the validity of the remaining provisions of this Lease and Tenant's rights hereunder. ARTICLE 9. INSURANCE 9.1 jIand1ord Not Liable. Except as the result of the sole or willful negligence or intentional acts or omissions by Landlord or its representatives, employees or agents, or as otherwise expressly set forth herein, Landlord shall not be liable for injury to Tenant's business or any loss of income therefrom or for any damage or liability of any kind or for any injury to or death of persons or damage to property of Tenant, or to Tenant's agents, employees, servants, contractors, subtenants, licensees, concessionaires, customers or business invitees or any other person which occurs on the Property during the Term. 9.2 Indemnification} Except as the result of the sole or willful negligence or intentional acts or omissions by Landlord or its representatives, employees or agents, Tenant shall indemnify, defend and hold the Indemnitees harmless from and against all liability, loss, damage, cost or expense (including reasonable attorneys' fees and court costs) arising from or as a result of the death of any person or any accident, injury, loss or damage whatsoever caused to any person or to the property of any person caused by Tenant's performance of its obligations under this Lease or any errors or omissions of Tenant, whether such performance, errors or omissions of Tenant be made by Tenant, its contractors or subcontractors, or anyone directly or indirectly employed by Page 21 Tenant, and whether such damage shall accrue or be discovered before or after the termination of this Lease. This indemnification provision supplements and in no way limits the scope of the indemnifications in Article 13. The indemnity obligation of Tenant under this Article shall survive the expiration or termination, for any reason, of this Lease, This Section notwithstanding, indemnification with respect to Hazardous Materials shall be governed by Section 8.14. 9.3 Insurance. From and after .the Commencement Date until the termination of this Lease, Tenant shall take out and maintain the following types ofinsurancein the forms and amounts (as may be increased each calendar year by the corresponding increase in the Index) set forth below, at Tenant's sole expense. Notwithstanding the amounts of insurance set forth below, the Executive Director shall have the right, but not the obligation, to reduce the amounts required from time to time. 9.3.1 Comprehensive General Liability in an amount not less than Two Million Dollars ($2,000,000.00) combined single limit for each occurrence or Four Million Dollars ($4,0O0,00O00)general aggregate for bodily injury, personal injury and property damage including contractual liability, which limits may be achieved through the use of an umbrella/excess liability policy(ies). The limits ofthis insurance shall be increased to an amount not less than Five Million Dollars , combined single limit (which limits may be achieved through the use of an umbrella/excess liability p liey ies upon the recordation ofthe Certificate Completion for any of the Improvements in the Official Records. The Indenuitees shall be covered as additional insureds with respect to liability arising out of activities by or on behalf of Tenant or in connection with the use or occupancy of the Property. Coverage shall be in a form acceptable to the City Risk Manager and shall be primary and non-contributing with any insurance or self- insurance maintained by City or CDC -CIA. 9, .2 Automobile Liability in an amount not less than One Million Dollars ($1,000,000EOO)combined single limit per accident for bodily injury and property damage covering owned, nor -owned and hired vehicles. 9,3.3 Workers' Compensation as required by the Labor Code of the State of California and Employers' Liability insurance in an amount not less than One Million Dollars ($1,000,000.00). 9,3.4 "All Risk" " or "Special Form" property including builder's risk protection during the course of Construction, covering the full replacement value of the Improvements constructed on or about the Property by Tenant. Said insurance shall include debris removal, and, if typically carried upon similar affordable housing projects in San Diego County, California, coverage for flood if this protection is required by the Senior Lender. Landlord shall be named as loss payee under a standard loss payable endorsement. 9.4 thr Insurance. Tenant shall also obtain and maintain such other insurance in forms and amounts reasonably required from time to time by Landlord or the City Risk Manager for protection against the same or other insurable hazards which are then typically insured against Page 2 by similar properties in San Diego County, California, provided that such coverage is available at commercially reasonable rates, 9. Contractors. All contractors employed by Tenant with contracts ofFifty Thousand Dollars ($50,000.00) or more shall be required to furnish evidence of Comprehensive General Liability insurance subject to all the requirements stated herein with limits of not less than One Million Dollars 1,000,00.0 combined single limit each occurrence. The Indemnitees shall have the right to receive evidence of compliance with the foregoing by contractors at any time upon written request therefor. 9.6 Acceptable Terms of Coverage. Acceptable insurance coverage shall be placed with carriers admitted to write insurance in California, or carriers with a rating of or equivalent to A-:VIlI by A.M. Best & Company. Any deviation from this rule shall require specific approval in writing from the City's Risk Manager. Any deductibles in excess of Twenty -Five Thousand Dollars 2 ,000. per occurrence or self -insured retentions must be declared to and approved by the City Risk Manager. At the option of the City Risk Manager, Tenant may be required to reduce or eliminate such deductibles or self -insured retentions or to procure a bond guaranteeing payment of losses and related investigations, claim administration and defense costs. In the event such insurance provides for deductibles or self -insured retention, Tenant agrees that it will fully protect the Indenmitees in the same manner as those interests would have been protected had the policy or policies not contained a deductible or retention. Coverage under each policy shall not be suspended, avoided or canceled by either party except after thirty 0 days' prior written notice to Landlord. Tenant shall furnish the Indemnitees with certificates of insurance and with original endorsements effecting coverage as required under this Article. The certificates and endorsements for each insurance policy shall be signed by a person authorized by the insurer to bind coverage on its behalf. The Indemnitees reserve the right to require complete certified copies of all insurance policies not previously provided at any time. 9.7 Bl n1 et Coverage. Notwithstanding anything to the contrary set forth in this Article 9, Tenant's obligations to carry the insurance provided for herein may be brought within the coverage of a so-called blanket policy or policies of insurance carried and maintained by Tenant; provided, however, (i) that the Indemnitees and other parties in interest to it shall be named as additional insureds as their interests may appear, and (ii) that the coverage afforded the Indemnitees will not be reduced or diminished by reason ofthe use ofsuch blanket policy of insurance, and (iii) that the requirements set forth in this Article 9, are otherwise satisfied. 9.8 Waiver of Subroaation. Each policy of insurance procured pursuant to Article shall contain, if obtainable upon commercially reasonable terms, either (i) a waiver by the insurer of the right of subrogation against either party hereto for negligence of such party, or (ii) a statement that the insurance shall not be invalidated should any insured waive in writing prior to a loss any or all right of recovery against any party for loss accruing to the property described in the insurance policy. Each of the parties hereto waives any and all rights ofrcoer against the other, or against the officers, employees, agents and representatives of such other party, for loss or damage to such waiving party or its property or the property of others under its control, arising Page 23 from any cause insured against under the form of insurance policies required to be carried pursuant to Article 9 of this Lease or under any other policy of insurance carried by such waiving party. ARTICLE 10. MAINTENANCE; C ; REPAIRS; ALTERATIONS; RECONSTRUCTION 10.1 General Maintenance. Throughout the Term, Tenant shall, at Tenant's sole cost and expense, maintain the Property and the Improvements in good condition and repair, ordinary wear and tear excepted, and in accordance with all applicable federal, state and local laws, ordinances and regulations of a governmental agencies and bodies having or claiming jurisdiction and all their respective departments, bureaus, and officials, b insurance underwriting boards or insurance inspection bureaus having or claiming jurisdiction, and (c) all insurance companies insuring all or any part of the Property or the Improvements, or both, 10.2 Program Maintenance. In addition to the routine maintenance and repair required pursuant to Section 10.1, Tenant shall perform the following programmed maintenance on the Improvements: (a) Tenant shall maintain the Improvements, including all common areas, all interior and exterior facades, and all exterior project site areas, in a safe and sanitary fashion suitable for a high quality, rental housing project. The Tenant agrees to provide administrative services, supplies, contract services, maintenance, maintenance reserves, and management for the entire project including interior tenant spaces, common area spaces and exterior common areas. (b) Clean-up maintenance shall include, but not be limited to: maintenance of all private paths, parking areas, driveways and other paved areas in clean and weed -free condition; maintenance of all such areas clear of dirt, mud, trash, debris or other matter which is unsafe or unsightly; removal of all trash, litter and other debris from improvements and landscaping prior to mowing; clearance and cleaning of all areas maintained prior to the end of the day on which the maintenance operations are performed to ensure that all cuttings, weeds, leaves and other debris are properly disposed of by maintenance workers. (c) Landscape maintenance shall include, but not be limited to: watering irrigation; fertilization; mowing, edging, and trimming of grass; tree and shrub pruning; trimming and shaping of trees and shrubs to maintain a healthy, natural appearance and safe road conditions and visibility, and optimum irrigation coverage; replacement, as needed, of all plant materials; control of weeds in all planters, shrubs, lawns, ground covers, or other planted areas; and staking for support of trees. All maintenance work shall conform to all applicable federal and state Occupational Safety and Health Act standards and regulations for the performance of maintenance. Upon the request of Tenant, the Executive Director, at his sole and absolute discretion, may grant a waiver or deferral of any program maintenance requirement. Tenant shall keep such records of maintenance and repair as are necessary to prove performance of the program maintenance requirements. ARTICLE 11. OWNERSHIP OF AND RESPONSIBILITY FOR IMPROVEMENTS Page 24 11.1 Ownership During Term. 11.1.1 Improvements. All Improvements on the Property as permitted or required by this Lease shall, during the Term, be and remain the property of Tenant, and Landlord shall not have title thereto. Tenant shall not, however, demolish or remove any Improvements from the Property except as p ermitted herein. 11,1.2 Personal Property. All personal property, furnishings, fixtures and equipment, including, without limitation, Tenant -owned appliances, which are not so affixed to the Property or the buildings thereon as to require substantial damage to the buildings upon removal thereof shall constitute personal property including, but not limited to: (a) functional items related to the everyday operations of the Property; (b) personal property furnishings, fixtures and equipment of the nature or type deemed by law as permanently resting upon or attached to the buildings or land by any means, including, without limitation, cement, plaster, nails, bolts or screws, or essential to the ordinary and convenient use of the Property and the Improvements. At any time during the Term and at termination thereof, Tenant shall have the right to remove any and all such personal property, furnishings, fixtures and equipment; provided, that Tenant repairs any damage to the Property or the Improvements caused by such removal. 11.1.3 Basic Buildinglystems. For purposes of this Lease, the personal property, furnishings, fixtures and equipment described in this Section 11.41 shall not include those major building components or fixtures necessary for operation of the basic building systems such as, but not limited to, the elevators, plumbing, sanitary fixtures, heating and central air-cooling system. 11.2 Ownership at Expiration or Termination. 11.2.1 Property of Landlord. At the expiration or earlier termination of the Term, except as provided in Section 11.2.2, all Improvements which constitute or are a part of the Property shall become (without the payment of compensation to Tenant or others) the property of Landlord free and clear of all claims and encumbrances on such Improvements by Tenant, and anyone claiming under or through Tenant, except for such title exceptions permitted or required during the Term. Tenant shall then quitclaim to Landlord any and all rights, interests and claims to the Improvements. Tenant agrees to and shall defend, indemnify and hold Landlord harmless from and against all liability and loss which may arise from the assertion of any such claims and any encumbrances on such Improvements (except claims arising due to Landlord's actions) and except for such title exceptions permitted or required during the Term. 11.2,2 RemQyal-_by Teitant„ Tenant shall not be required or permitted to remove the Improvements, or any of them, at the expiration or sooner termination of the Term; provided, however, that, within thirty (30) days following the expiration or sooner termination of the Tenn, Tenant may remove all personal property, furniture, and equipment. 11.2.3 LJnremovedPropfl. Any personal property, furnishings or equipment not removed by Tenant within thirty (30) days after the expiration or sooner termination of the Term, shall, without compensation to Tenant, become Landlords' property, free and clear of all Page 2 claims to or against them by Tenant or any third person, firm or entity arising by, through or under Tenant. 11.2.4 Maintenance and Repair... of Improvements. Subject to the provisions of this Lease concerning condemnation, alterations and damage and destruction, Tenant agrees to assume full responsibility for the operation and maintenance of the Property and the Improvements and all fixtures and furnishings thereon or therein throughout the Term hereof without expense to Landlord, and to perform all repairs and replacements necessary to maintain and preserve the Property, the Improvements, fixtures and furnishings in a decent, safe and sanitary condition consistent with good practices and in compliance with all applicable laws. Tenant agrees that Landlord shall not be required to perform any maintenance, repairs or services, or to assume any expense not specifically assumed herein in connection with the Property and the Improvements thereon unless specifically required under the terms of this Lease. Except as otherwise provided in this Section 11.2 and in Section 11.4, the condition of the Improvements required to be maintained hereunder upon completion of the work of maintenance or repair shall be equal in value, quality and use to the condition of such Improvements before the event giving rise to the work. 11.3 waste. Subject to the alteration rights of Tenant and damage and destruction or condemnation of the Property or any part thereof, Tenant shall not commit or suffer to be committed any waste of the Property or the Improvements, or any part thereof. Tenant agrees to keep the Property and the Improvements clean and clear of refuse and obstructions, and to dispose properly of all garbage, trash and rubbish. 11 A Alteration of Immovements. Except as provided in Section 7.1, Tenant shall not make or permit to be made any material, exterior alteration of, addition to or change in, the Improvements which would materially affect the exterior elevations (including materials selection and color) or the size, bulk and scale of the Property, other than routine maintenance and repairs, nor demolish all or any part of the Improvements, without the prior written consent of Landlord. Nothing herein shall prohibit interior alterations or decorations, or the removal andreplacement of interior improvements consistent with the specified use of the Property. In requesting consent for such exterior improvements as required by the foregoing, Tenant shall submit to Landlord detailed plans and specifications of the proposed work and an explanation of the need and reasons thereof. Tenant may make such other improvements, alterations, additions or changes to the Improvements which do not materially affect the exterior elevations (including materials selection and color) or the size, bulk and scale thereof without Landlord's prior written consent. Notwithstanding the prohibition in this Section 11.4, Tenant may make such changes, repairs, alterations, improvements, renewals or replacements to the exterior elevations, materials, size, bulk or scale of the Improvements as are required (a) by reason of any law, ordinance, regulation or order of competent government authority, (b) for the continued safe and orderly operation of the Property, or (c) to continue to receive the Low Income Housing Tax Credit. Page 26 ARTICLE 12. SIGNS Tenant shall not place or suffer to be placed on the Property or upon the roof or any exterior door or wall or on the exterior or interior of any window of the Improvements, any sign, awning, canopy, marquee, advertising matter, decoration, lettering or other thing of any kind (exclusive of the signs, awnings and canopies, if any, which may be provided for in the Plans) without the written consent of the Executive Director first had and obtained. ARTICLE 13. INDEMNIFICATION Tenant will protect, indemnify and save the Indemnitees harmless from and against all liabilities, obligations, claims, damages, penalties, causes of action, judgments, costs and expenses (including, without limitation, reasonable attorneys' fees and expenses) imposed upon or incurred by or asserted against Landlord, or the Property or the Improvements during the Term, unless caused solely by the willful act or gross negligence of Landlord, by reason of (a) any accident or injury to or death of persons or loss of or damage to property occurring o, or about the Property or the Improvements, b any failure on the part of Tenant to perform or comply with any of the terms of this Lease, or (c) any negligence or tortious act on the part of Tenant or any of its agents, employees, contractors, subtenants, licensees or invitees. In the event that any action, suit or proceeding is brought against the Indemnitees by reason of any such occurrence, Tenant, upon Landlord's request, will, at Tenant's expense, defend such action, suit or proceeding with counsel approved by Landlord. This Section notwithstanding, indemnification with respect to Hazardous Materials shall be governed by Section 8.14. ARTICLE 14. DAMAGE OR ST CTIO OF PROPERTY OR IMPROVEMENTS 14.1 ..'s Repair obligation. 14.1.1 In case of damage to or destruction of the Property or the Improvements, or any part thereof, by fire or other cause at any time during the Term of this Lease, Tenant, if and to the extent insurance proceeds are available, shall restore the same as nearly as possible to their value, condition and character immediately prior to such damage or destruction. Such restoration shall be commenced with due diligence and in good faith, and prosecuted with due diligence and in good faith, unavoidable delays excepted. 1.4.12 In case of damage to or destruction of the Improvements by fire or other cause resulting in a loss exceeding in the aggregate Ten Thousand Dollars ($10,000), Tenant shall promptly give written notice thereof to Landlord. 14.2 Tenant's Restoration of Premises. 14.2.1 If, during the Term, the Improvements are damaged or destroyed, and the total amount of loss does not exceed thirty-three percent (33%) of the replacement value of the Improvements, Tenant shall make the loss adjustment with the insurance company insuring the loss, with the approval of Landlord, which approval shall not be unreasonably withheld or delayed. Page 27 The proceeds shall be paid directly to a Mortgagee, if any, and if there is not a Mortgagee, to Landlord and Tenant for the sole purpose of making the restoration of the Improvements in accordance with this Article 14. 14.2.2 If, during the Term, the Improvements are damaged or destroyed, and the total amount of loss exceeds thirty-three percent (33%) the replacement value of the Improvements, Tenant shall make the loss adjustment with the insurance company insuring the loss, with the approval of Landlord, which approval shall not be unreasonably withheld or delayed, and the insurance company shall immediately pay the proceeds to a bank or trust company designated by Landlord and approved by Tenant ("Insurance Trustee"), which approval shall not be unreasonably withheld or delayed. Any leasehold mortgagee shall be an acceptable Insurance Trustee. All sums deposited with the Insurance Trustee shall be held for the following purposes and the Insurance Trustee shall have the following powers and duties: (a) The sums shall be paid in installments by the Insurance Trustee to the contractor retained by Tenant and approved by Landlord as construction progresses, for payment of the cost of restoration. A ten percent (10%) retention fund shall be established that will be paid to the contractor on completion of restoration, payment ofall costs, expiration of all applicable lien periods, and proof that the Property and the Improvements are free of all mechanics liens and lienabie claims; (b) Payments shall be made on presentation of certificates or vouchers from the architect or engineer retained. by Tenant .t and approved by Landlord (which approval shall not be unreasonably withheld or delayed) showing the amount due. If the Insurance Trustee, in its reasonable discretion, determines that the certificates or vouchers are being improperly approved by the architect or engineer retained by Tenant, the Insurance Trustee shall have the right to appoint an architect or an engineer to supervise construction and to make payments on certificates or vouchers approved by the architect or engineer retained by the Insurance Trustee. The reasonable expenses andcharges of the architect or engineer retained by the Inurance Trustee shall be paid by the Insurance Trustee out of the trust fund; (c) If, after the work ofrestoration has commenced, the sums held by the Insurance Trustee are not sufficient to pay the actual cost of restoration, Tenant shall, deposit the amount of the deficiency with the Insurance Trustee within ten 1. days after receipt of request for payment of such amount from the Insurance Trustee, which. request shall be made by the Insurance Trustee promptly after it is determined there will be a deficiency; (d) If the Insurance Trustee has received notice from Landlord that the Tenant is in default under this Lease, then, subject to the lien of a Mortgagee's Mortgage and the Mortgagee's prior written consent, the Insurance Trustee shall pay to Landlord an amount sufficient to cure such default as specified in Landlord's notice to the Insurance Trustee; (e) Any amounts remaining after making the payments hereinabove referred to in clauses (a), (b) and (d), and after paying the reasonable costs and expenses of the Insurance Trustee, shall be paid to any leasehold. Mortgagee to the extent (a) required by any Page 28 Mortgage and (b) such leasehold Mortgagee makes written demand therefor to the Insurance Trustee; (f) Any undisbursed funds remaining after compliance with all of the provisions of this Section 14.2 shall, if and to the extent required by any Mortgage, be delivered to the Mortgagee, and if there is no leasehold Mortgagee, to Tenant; and (g) All actual costs and charges of the Insurance Trustee shall be paid by Tenant. If the Insurance Trustee resigns or for any reason is unwilling to act or continue to act, Landlord shall substitute a new Insurance Trustee in the manner described in this Section. 14.2.3 Both parties shall promptly execute all documents and perform all acts reasonably required by the Insurance Trustee to perform its obligations under this Section 14.2. 14.3 Procedure for Restoring Improvements. 1 . .1 If and to the extent Tenant is obligated to restore the Improvements pursuant to this Article 14, Tenant shall restore the Improvements substantially in accordance with the Plans. Within forty-five days after the date of such damage or destruction (as such time may be reasonably extended at the written request of Tenant), Tenant, at its cost, shall prepare and deliver to Landlord final plans and specifications and working drawings complying with applicable laws that will be necessary for such restoration. Such plans and specifications shall specify differences from the Plans. The plans and specifications and working drawings are subject to the approval of Landlord only insofar as they vary from the Plans. Landlord shall have twenty (20) days after receipt of the plans and specifications and working drawings to either approve or disapprove the plans and specifications and working drawings and return them to Tenant. If Landlord disapproves the plans and specifications and working drawings, Landlord shall notify Tenant of its objections in writing, specifying the objections clearly and stating what modifications are required for Landlord's approval. Tenant acknowledges that the plans and specifications and working drawings shall be subject to approval of the appropriate government bodies and that they will, be prepared in such a manner as to obtain that approval. 1 . .2 The restoration shall be accomplished as follows: (a) Tenant shall complete the restoration within fifteen (15) months (or such longer time as is necessary in the Landlord's discretion) after final plans and specifications and working drawings have been approved by the appropriate government bodies and all required permits have been obtained. (b) Tenant shall retain a licensed contractor that is bondable. The contractor shall be required to carry public liability and property damage insurance, builders risk insurance, standard fire and extended coverage insurance, with vandalism and malicious mischief endorsements, during the period of construction in accordance with Article 9. Such insurance shall contain waiver of subrogation clauses in favor of Landlord and Tenant in accordance with the provisions of and to the extent required by Section 9.8. Page 2 (c) Tenant shall notify Landlord of the date of commencement of the restoration not later than ten (10) days before commencement of the restoration to enable Landlord to post and. record notices of nonresponsibility. The contractor retained by Tenant shall not commence construction until a completion bond and a labor and materials bond have been delivered to Landlord to insure completion of the construction. (d)Tenant shall accomplish the restoration in a manner that will cause the least inconvenience, annoyance, and disruption to the Property and the Improvements. (e) On completion of the restoration Tenant shall immediately record a notice of completion. (f) If Section 14.2.2 is applicable, the restoration shall not be commenced until sums sufficient to cover the cost of restoration are placed with the Insurance Trustee as provided in said Section 14.2.2. 14,4 Mortgagee Protection. The following provisions are for the protection of a Mortgagee and shall, notwithstanding anything contained in this Lease to the contrary, control: 14.4.1 Jnsurance. Any insurance proceeds payable from any policy of insurance (other than liability insurance) required by the Lease shall be paid to the Mortgagee, if any, to the extent required by the Mortgage. The Mortgagee, if any, shall have the rightto participate in all adjustments, settlements, negotiations or actions with the insurance company regarding the amount and allocation of any such insurance proceeds. Any insurance policies permitted or required by this Lease shall name the Mortgagee, if any, as an additional insured or loss payee, as appropriate, if required by such Mortgage. age. 14.4.2 Restoration. Tenant shall have no obligation to restore or repair the Improvements following the occurrence of any casualty for which insurance is not required under this Tease. The Mortgagee, if any and if it exercises any of its remedies set forth in this Lease, shall have no obligation to restore or repair damage to the Improvements that cost in excess of available insurance proceeds. Tenant shall have no obligation to restore or repair damage to the Improvements if the casualty occurs during the last five years of the Lease term. In the event such a loss occurs in the last five 5 years, then, at the election of Tenant, with the prior written consent of the Mortgagee, if any, insurance proceeds shall be used, first, to clear the Property of the damaged Improvements and any debris, and second, to reduce or pay in full the Mortgage, with any excess being payable as provided in this Lease. ARTICLE 15. EMINENT DOMAIN 15.1 Notice. The party receiving any notice of the kind specifiedin this Section 15.1 shall promptly give the other party notice of the receipt, contents and date of the notice received. For purposes of this Article 15, the term "Notice" shall include: (a) Notice of Intended Taking; Page 39 (b) Service of any legal process relating to condemnation of the Property or the Improvements; (c) Notice in connection with any proceedings or negotiations with respect to such condemnation; or (d) Notice of intent or willingness to make or negotiate a private purchase, sale or transfer in lieu of condemnation. 15.2 Re Representationresenta:1in s or Ne otiations. Landlord and Tenant shall each have the right to represent their respective interests in each proceeding or negotiation with respect to a Taking or intended Taking and to make full proof of their claims. No agreements or settlement with or sale or transfer to the condemning authority shall be made without the consent of Landlord, but, as to its reversionary interest only, Landlord may enter into such agreement, settlement, sale or transfer without the consent of Tenant. Landlord and Tenant each agree to execute and deliver to the other any instruments which may be required to effectuate or facilitate the provisions of this Lease relating to condemnation. 15.3 Total Taking, 15.3.1 In the event of a Total Taking, this Lease shall terminate as of the date of the Taking. 15.3.2 If this Lease is terminated pursuant to this Section 15.3, and separate Awards are not made to Landlord and Tenant for their respective fee and leasehold interests, the Award for such Taking shall be apportioned and distributed as follows: 15.3.2.1. First, to the Mortgagee, if any, to the extent of the Mortgage; 15.3.2.2. Second to Landlord, a sum equal to the fair market value of the Property (subject to the remaining Term and the Rent reserved) on the date immediately preceding the Taking as determined by the appraisal method set forth in Article 16 and determined as if there were no taking nor threat of condemnation. The parties shall commence said appraisal by the earlier of ten (10) days after Tenant's receipt of a copy of a Notice of Intended Taking or ten (10) days after the date of the Taking; 15.3.2.3. Third, to Tenant, a sum equal to the fair market value of the Improvements made by Tenant on the date immediately preceding the Taking as determined by the appraisal method set forth in Article 16 and determined as if there were no Taking, nor threat of condemnation; plus the residual value of the Term, subject to the Rent reserved; plus any part of the Award attributable to the Low Income Housing Tax Credit; and 15.3.2.4. Fourth, to Landlord, the remainder, if any. Page 31 15A Substantial Taking. 15. .1 In the event of a Taking which, in Tenant's reasonable judgment is substantial, Tenant may, subject to the rights of the Mortgagee, if any, terminate this Lease. If Tenant elects to terminate this Lease under this provision, Tenant shall give written notice of its 'election to do so to Landlord within forty-five days after receipt of a copy of a Notice of Intended Taking. In the event Landlord disputes the right of Tenant to terminate this Lease under this provision, Landlord shall give Tenant notice of this fact within forty-five (45) days after receiving the notice of Tenant's election to terminate, and the parties shall either raise this issue in the eminent domain proceeding, if any, as an issue with respect to the apportionment of the Award between Landlord and Tenant or, if there is no eminent domain proceeding, submit the issue to arbitration as provided in Article 23. In the event it is determined that Tenant does not have the right to terminate this Lease, the apportionment f the Award for such Taking and the obligations of Tenant to restore shall be governed by the terms of Section 15.6 or Section 15.8, whichever is applicable. 15.4.2 In the event it is determined that Tenant has the right to terminate this Lease, or in the event Landlord does not dispute Tenant's right to terminate this Lease, such termination shall be as of the time when the Taking entity takes possession of the portion of the Property and the Improvements taken. In such event, the Award for such Substantial Taking (including any award for severance, consequential or other damages which will accrue to the portion of the Property a d o.r the Improvements not taken) shall be apportioned and distributed as follows: (a) First, to the Mortgagee, if any, to the extent of the Mortgage; (b) Second, to Landlord, a sum equal to the fair market value of the Property taken (subject to the remaining Term and the Rent reserved) immediately preceding the date of the Taking as determined by the appraisal process provided for in Article 16, commenced as provided in Section 15.3.2, and as modified by Section 15.6. ; (c) Third, to Landlord, an amount equal to the portion of the award for severance, consequential or other damages which accrued to the portion of the Property and/or Improvements not taken; (d) Fourth, to Tenant a sum equal to the fair market value of the Improvements made by Tenant taken immediately preceding the date of the Taking as determined by the appraisal process provided for in Article 16, commenced as provided in Section 15.3.2, and as modified by Section 15. . ; plus the residual value of the Term, subject to the Rent reserved; plus any part of the Award attributable to the Low Income Housing Tax Credit; and (e) Fifth, to Landlord, the remainder, if any. 15.5 Tenant's Right to Revoke Notice of Termination. Notwithstanding anything to the contrary contained in Section 1 .4, if Tenant has elected to terminate this Lease, and the taking authority abandons or revises the Taking, Tenant shall have forty-five days from receipt of written notice of such abandonment or revision to revoke its notice of termination of this Lease. Page 3 15.6 aarial Taking. 1 . .1 In the event of a Partial Taking, this Lease shall continue in full force and effect and Landlord and Tenant shall agree upon an equitable reduction in the .Annual Rent. If the parties fail to agree upon such reduction within sixty days from the date Tenant is required to give up such occupancy, use or access, whichever is earlier, Landlord and Tenant shall each choose one arbitrator and the two arbitrators so chosen shall choose a third arbitrator. The decision of any two of the arbitrators concerning the reduction in Annual Rent, if any, shall be binding on the Landlord and Tenant and any expense of the arbitrators only shall be divided equally between Landlord and Tenant (each party shall be liable for any and all costs incurred by such party, including without limitation attorneys' fees and expert fees) . 1 . .2 The Award for such Partial Taking shall be apportioned and distributed first to the Mortgagee, if any, to the extent of the Mortgage, then to Landlord and Tenant in proportion to the fair market value of their respective interests in the Property and Improvements, as such interests existed immediately prior to such Partial Taking. Notwithstanding anything contained herein to the contrary, any part of the Award attributable to the Low Income Housing Tax Credit shall belong to Tenant. 15.6.3 The fair market value of the parties' respective interests in the Property and the improvements shall be determined by the appraisal process provided in Article 16, except that the assumptions listed in such Article shall not apply. Rather, the appraisal shall be based on the value of the Property as improved and encumbered by this Lease and on the value of the Improvements as they stand, but without regard to any Taking or threat of condemnation, 15.6.4 Any Award for severance, consequential or other damages which accrues by reason of the Partial Taking to the portion of the Property or the Improvements not taken shall be distributed first to the Mortgagee, if any, to the extent of the Mortgage, then shall be apportioned between Landlord and Tenant in accordance with the diminution in value of their respective interests. 15.7 Obligation to Repair on Partial Taking. Promptly after any Partial Taking and regardless of the amount of the Award for such Taking, Tenant shall, to the extent of the Award received by Tenant and in the manner specified in the provisions of this Lease, repair, alter, modify or reconstruct the Improvements and/or other improvements on the Property so as to make them usable for the designated purpose and capable of producing a fair and reasonable net income. 15.8 Temporary Taking. 1 . .1 In the event of a Temporary Taking of the whole or any part of the Property and/or Improvements, the Term shall not be reduced or affected in any way and Tenant shall continue to pay in full any sum or sums of money and charges herein reserved and provided to be paid by Tenant, and, subject to the other provisions of this Section 1 . , Tenant shall be entitled Page 33 to any Award or payment for the temporary use of the Property and/or Improvements prior to the termination of this Lease, and Landlord shall be entitled to any Award or payment for such use after the trination of this Lease. 15 . , 2 If, following such Temporary Taking, possession of the Property and/or Improvements shall revert to Tenant prior to the expiration of the Term, Tenant shall, unless at such time there remains less than five years in the Term, restore the Property and/or Improvements whether or not the Taking authority has made any Award or payment for such restoration and regardless of the amount of any award or payment and in all other respects indemnify and hold Landlord harmless from the effects of such Taking so that the Property and/or Improvements in every respect shall upon completion of such restoration be in the same condition as they were prior to the taking thereof. 15..3 If, following such Temporary Taking, possession of the Property shall revert to Landlord after expiration of the Term, any sums deposited pursuant to this Section 15.8 shall be paid over to Landlord in their entirety and without apportionment and Tenant shall be excused from its obligation to restore the Property and/or Improvements. 15.8.4 Any Award or payment for damages or cost of restoration made on or after the termination of this Lease shall be paid first to the Mortgagee, if any, to the extent of the Mortgage, then to Landlord absolutely, together with the remaining balance of any other funds paid to Tenant for such damages or cost of restoration and Tenant shall thereupon be excused from any obligation to restore the Property and/or Improvements upon the termination of such Temporary Taking except that any obligation that may have accrued for Tenant to restore the Property and/or Improvements prior to the commencement of said Temporary Taking shall continue to be the obligation of Tenant, 15.9 Mor-t__Protection. Notwithstanding anything contained in this Lease to the contrary, any and all condemnation proceeds shall be paid first to the Mortgagee, if any, to be applied to reduce the Mortgage if required by the mortgage documents. ARTICLE 16. APPRAISAL whenever an appraisal of the Property is called for under the terms of this Lease, the parties shall use the following procedure: 16.1 Appointment of Appraiser. Within ten 1 days after notice from Landlord to Tenant, Landlord and Tenant shall each appoint an MAI appraiser to participate in the appraisal process provided for in this Article 16 and shall give written notice thereof to the other party. Upon the failure of either party so to appoint, the nondefaulting party shall have theright to apply to the Superior Court of the County of San Diego, California, to appoint an appraiser to represent the defaulting party, Within ten (10) days of the parties' appointment, the two (2) appraisers shall jointly appoint a third MAT appraiser and give written notice thereof to Landlord and Tenant, or if within ten (10) days of the appointment of said appraisers the two 2 appraisers shall fail to appoint Page 3 a third, then either party hereto shall have the right to make application to said Superior Court to appoint such third appraiser. 16.2 Determination of Fair Market Value. 16.2.1 Within thirty (30) days after the appointment of the third appraiser, the appraisers shall determine the fair market value of the Property and the Improvements in accordance with the provisions hereof, and shall execute and acknowledge their determination of fair market value in writing and cause a copy thereof to be delivered to each of the parties hereto. 16.2.2 The appraisers shall determine the fair market value of the Property and the Improvements as of the date of Landlord's notice referred to in Section 16.1 above, based on sales of comparable property in the area in which the Property is located. If, however, in the judgment of .a majority of the appraisers, no such comparable sales are available, then the appraisal shall be based on the following assumptions: (i) that the Property is free and clear of this Lease, the Improvements and all other improvements, and all easements and encumbrances; and (ii) that the Property is available for immediate sale and development for the purposes and at the density and intensity of development permitted under the zoning, subdivision and land use planning ordinances and regulations applicable to the Property in effect on the Commencement Date of this Lease, and any changes or amendments thereto or modification or variance from the provisions thereof or conditional use permits which could reasonably be anticipated to have been granted or approved as of the date of this Lease. Notwithstanding anything contained herein to the contrary, if the appraisal, for the particular purposes for which it is being done, should reasonably reflect the rent restrictions imposed on the Property pursuant to Article 8 of this Lease, and such other covenants, conditions and restrictions to which the Property is subject pursuant to this Lease or to other documents recorded against the Property in the Official Records, then such covenants, conditions and restrictions shall be taken into consideration by the appraisers. 16.2.3 If a majority of the appraisers are unable to agree on fair market value within thirty 3 days of the appointment of the third appraiser, the three appraisals shall be added together and their total divided by three (3). The resulting quotient shall be the fair market value of the Property and the Improvements. If, however, the low appraisal and/or high appraisal is or are more than ten percent (10%) lower and/or higher than the middle appraisal, the low and/or high appraisal shall be disregarded. If only one appraisal is disregarded, the remaining two appraisals shall be added together and their total divided by two (2). The resulting quotient shall be the fair market value of the Property and the Improvements. If both the low and high appraisals are disregarded, the middle appraisal shall be the fair market value of the Property. 16.3 Payment- of Fees. Each of the parties hereto shall (a) pay for the services of its appointee, (b) pay one-half 12 of the fee charged by the appraiser selected by their appointees, and (c) pay one-half 1 2 of all other proper costs of the appraisal. Page 3 ARTICLE 17. ASSIGNMENT/TRANSFER 17.1 Prohibition Against Transfer. 17.1.1 Fir to Recordation of the Certificate of Completion. Prior to recordation of the Certificate of Completion, but subject to Article 19 pursuant to which Tenant is permitted to sublease the Units for residential occupancy, Tenant shall not assign or attempt to assign this Lease or any right herein (other than to a general or limited partnership of which Tenant is the managing general partner) without the prior written consent of Landlord, which consent may be withheld in Landlord's absolute discretion. 17.1.2 Following Recordation of the Certificate of Completion. Following recordation of the Certificate of Completion, but subject to Article 19 pursuant to which Tenant is permitted to sublease the Units for residential occupancy, Tenant shall not assign or attempt to assign this Lease or any right herein, nor make any total or partial sublease, sale, transfer, conveyance or assignment of the whole or any part of the Property or the Improvements thereon, without the prior written consent of Landlord, which consent shall not be unreasonably withheld. In the absence of specific written agreement by Landlord, no unauthorized sublease, sale, transfer, conveyance or assignment of the Property, or any portion thereof, or approval thereof by Landlord shall be deemed to relieve Tenant or any other party from any obligations under this Lease. Notwithstanding anything to the contrary contained herein, Tenant shall be permitted to assign the Lease to an affiliate of the managing general partner of Tenant in accordance with the option and right of first refusal granted under Tenant's partnership documents. 17.1.3 Quali ication of Tenant. In connection with the above prohibition and limitation on assignments, Tenant acknowledges that the qualifications, expertise and identities of Tenant are of particular concern to Landlord, and that Landlord continues to rely on such expertise to ensure the satisfactory completion of the Construction and operation of the Improvements on the Property. Tenant further recognizes that it is because of such qualifications and identities that Landlord is entering into this Lease with Tenant. No voluntary or involuntary successor in interest of Tenant shall acquire any rights or powers under this Lease except as expressly set forth in the Lease. 17.1.4 Conditions. Tenant's right to make an assignment after the recordation of the Certificate of Completion shall be subject to compliance with the following further conditions: (a) No Default. At the time of such assignment, this Lease shall be in full force and effect and either no Event of Default (as defined in Section 21,1 then exists or no Event of Default will exist upon consummation of the assignment. (b) Assumption. The assignee shall have executed an express assumption of the obligations and liabilities of Tenant under this Lease from and after the date of delivery and recording of the assignment and there shall have been delivered to Landlord at the time of the request for such assignment a conformed copy of such assumption. Page 3 (c) Net Worth of Assignee. The assignee shall have a Net Worth equal to at least One Million Dollars 1,000,0o,00 ("Net Worth Minimum"), , which Net Worth Minimum shall be increased on the date that is five years after the first day of the first calendar year following the Commencement Date, and on the same date every fifth (5th) year thereafter ("Net et Worth jiustinent Date"), by an amount equal to the percentage change in construction industry costs, from the first day of the calendar year following the Commencement ent Date until the applicable Net Worth Adjustment Date, as published by the Engineering News Record, or such similar co.struction industry index as the parties shall agree in the event such information is not available in the Engineering News Record or such publication is no longer published. Net Worth is to be evidenced by a statement of financial condition as of a date not more than three hundred sixty (360) days prior to the date of assignment which is accompanied either by an opinion of a certified or a chartered public accountant or by a certificate by the chief financial or accounting officer of the assignee that it fairly represents the financial condition of the assignee. In the event Tenant agrees to remain liable under this Lease from and after the effective date of such assignment and to guaranty the obligations of the assignee under this Lease, the Net Worth Minimum standard set forth in this Section 17,1 shall not apply to such assignee. Notwithstanding the foregoing, the Executive Director, at her sole and absolute discretion, shall be permitted to waive the Net Worth Minimum standard for a proposed assignee that is (a) a Californiaonprofit, public benefit corporation, and b has demonstrated experience and ability in owning, operating and managing similar affordable housing projects in the State of California. Any assignee pursuant to the option or right of first refusal granted under Tenant's partnership documents shall not be subject to the Net Worth Minimum requirement. 17.1, ssi r nt Agreement. No assignment of any interest in the Lease made with Landlord's consent or as herein otherwise permitted shall be effective ctive unless and until there shall have been delivered to Landlord an executed counterpart of such assignment or other transfer document containing an agreement, in recordable form, executed by the assignor and the proposed assignee, wherein and whereby such assignee assumes due performance of the obligations on the assignor's part to be performed under this Lease from the effective date of the assignment to the end of the Term. 17.1.6 Further Assignments. The consent by Landlord to an assignment shall not in any way be construed to relieve Tenant from obtaining the express consent in writing of Landlordto any further assignment if required by the terms of this Lease. 17.2 Terminable Upon Foreclosure. Notwithstanding anything contained in this Lease to the contrary, upon foreclosure of a Mortgage, or acceptance by a Mortgagee of an assignment or deed in lieu of foreclosure, Article 17 of this Lease shall be terminable by the purchaser at the foreclosure sale, or the assignee or grantee of a deed in lieu of foreclosure, by notice to Landlord. 17.3 other Rights of Mortgnees. Landlord agrees that none of the restrictions or limitations on assignment or transfer by Tenant set forth in this Article 17 shall be construed to limit or abrogate the rights of a Mortgagee to (a) seek the appointment of a receiver, (b) exercise its rights and remedies under its Mortgage, including completing a foreclosure or deed in lieu, or Page 3 I delegate or assign its rights under this Lease to any third party in connection with the exercise of said Mortgagee's rights and remedies under its Mortgage. 17.4 Limitation on Transfer by Landlord. Landlord agrees, during the Compliance Period, not to transfer its interest in the Property or under this Lease without the prior written approval of the Tax Credit Partner; provided, however, no such approval shall be required for such a transfer to another public body. 17,5 Transfer _ Tax Credit Partner. Notwithstanding the foregoing limitations on transfer and assignment, nothing herein shall limit or condition a transfer, sale, assignment or other conveyance of all or a portion of the limited partner interests of the Tax Credit Partner to any affiliate of the Tax Credit Partner, and the interests of the Tax Credit Partner shall be freely transferable to without the consent or approval of but only with prior, written notice to Landlord;. ARTICLE 18. MORTGAGES 18.1 Leasehold Morlgaps. 1 .1,1 General Provisions, At all times during the Term, Tenant shall have the right to mortgage, pledge, deed in trust, assign rents, issues and profits and/or collaterally (or absolutely for purposes of security if required by any lender) assign its interest in this Lease, or otherwise encumber this Lease, and/or the interest of Tenant hereunder, in whole or in part, and any interests or rights appurtenant to this Lease, and to assign or pledge the same as security for any debt (the holder of any such mortgage, pledge or other encumbrance, and the beneficiary of any such deed of trust being hereafter referred to as "Mortgagee" and the mortgage, pledge, deed of trust or other instillment hereafter referred to as "Mortgage"), upon and subject to each and all of the following terms and conditions: (a) Prior to the issuance of a Certificate of Completion, Mortgages entered into by Tenant shall be limited in purpose to and shall not exceed the amount necessary and appropriate to develop the Improvements, and to acquire and install equipment and fixtures thereon. Said amount shall include all hard and soft costs of acquisition, development, Construction, lease -up and operation of the Improvements. ents. After the recordation of the Certificate of Completion, the limitation contained in this subsection shall no longer apply. (b) Any permitted Mortgages entered into by Tenant are to be originated only by lenders approved in writing by Landlord, which approval will not be unreasonably withheld. Landlord shall statethe reasons for any such disapproval. Notwithstanding the forgoing, Landlord shall be deemed to have automatically approved (i) a commercial or savings bank, a trust company, an insurance company, a savings and loan association, a building and loan association, an educational institution, a pension, retirement or welfare fund, or other fund authorized to make loans in the State of California; (ii) any other entity having a net worth of $50,000,000 or more whether or not a so-called institution, or any division, subsidiary, parent or affiliate owned or controlled by, owning or in control of or in common control or ownership with any entities described in (i) or (ii); or (iii) a lender regularly engaged in business in an office or location in the State of California, or who has a registered agent for service of process in California. In addition, Page 3 any lender must be duly licensed or registered with any regulatory agency having jurisdictioover its operation, if ally; and any lender must not be under any order or judgment of any court or administrative agency restricting or impairing its operation as a lender where the restriction or impairment would be directly related to the proposed loan to Tenant. Notwithstanding anything to the contrary contained herein, Landlord hereby approves the Senior Lender as the lender of the Construction Loan and Pacific Premier Bank as the lender of the Affordable Housing Project loan. If the lender is other than as set forth in the immediately preceding sentence or a lender deemed automatically approved pursuant to subdivisions i, (ii) (iii) this Section, then upon the reasonable request of Landlord, the beneficial owners of lender must be disclosed to Landlord. (c) All rights acquired by said Mortgagee shall be subject to each and all of the covenants, conditions and restrictions set forth in this Lease, and to all rights of Landlord thereunder, none of which covenants, conditions and restrictions is or shall be waived by Landlord by reason of the giving of such Mortgage. If Tenant encumbers its leasehold estate by way of a Mortgage as permitted herein, and should Landlord be advised in writing of the name and address of the Mortgagee, then this Lease shall not be terminated or canceled on account of any Event of Default by Tenant in the performance of the terms, covenants or conditions hereof until Landlord shall have complied with the provisions of Section 18.2 as to the Mortgagee's rights to cure and to obtain a new lease. 1 .1.2 Consent of Mortgagee Required. No cancellation, surrender, termination, or modification of this Lease shall be effective without the written consent of the holder of any Mortgage. 18.2 Rights and Obligations of Leasehold Mortgnees. If Tenant or Tenant's successors or assigns shall mortgage the leasehold interest herein demised, then, as long as any such Mortgage shall remain unsatisfied of record, the following provisions shall apply: 1 .2 1 No Cancellation. Landlord will not cancel, accept a surrender of, terminate or modify this Lease in the absence of a. default by Tenant without the prior consent in writing of the Mortgagee. 18.2.2 Notice of Defaults. Landlord agrees to give each Mortgagee immediate notice of all defaults by Tenant under the Lease, and to simultaneously give to each Mortgagee a written copy of all notices and demands that Landlord gives to Tenant. No notice or demand under the Lease shall be effective until after notice is received by Mortgagee. Any notices of default given by Landlord under the Lease shall describe the default(s) with reasonable detail. Each Mortgagee shall have the right to cure any breach or default within the time periods given below. 1 ..3 Mortgagee's Cure Rights. (a) Notice and Cure. After receipt by Tenant of a notice of default under the Lease and the expiration of any applicable period of cure given to Tenant under the Lease, Landlord shall deliver an additional notice ("Mortgagee's 1 . " to each Mortgagee Page 39 specifying the default and stating that Tenant's period of cure has expired. Each Mortgagee shall thereupon have the additional periods of time to cure any uncured default, as set forth below, without payment ofdefault charges, fees, late charges or interest that. might otherwise be payable by Tenant. Landlord shall not terminate the Lease or exercise its other remedies under the Lease if: i Within ninety days after Mortgagee's receipt of the Mortgagee's Notice, any Mortgagee (i) cures the default, or (ii) if the default reasonably requires more than ninety (90) days to cure, commences to cure said default within such ninety -day period and thereafter diligently prosecutes the same to completion; or (ii)Where the default cannot be cured by payment or expenditure of money or without possession of the Property or otherwise, Mortgagee initiates foreclosure or other appropriate proceedings within ninety days after receipt of the Mortgagee's Notice, thereafter cures all other defaults reasonably capable of cure by the payment of money to Landlord, and thereafter continues to pay all rents, real property taxes and assessments, and insurance premiums to be paid by Tenant under the Lease. Mortgagee shall then have ninety days following the later to occur of (i) the date of execution and delivery of a new lease of the Property pursuant to Section 18.2.4 of the Lease (a "New Lease"), or (ii) the date on which Mortgagee or its nominee is able to occupy the Property following foreclosure under such Mortgage and the eviction of or vacating by Tenant of the leased premises, to cure such default; provided, however, that if any such default, by its nature, is such that it cannot practicably be cured within ninety clays, then Mortgagee shall have such additional time as shall be reasonably necessary to cure the default provided that Mortgagee commences such cure within such ninety (90)-day period and thereafter diligently prosecutes the cure to completion. (b) Cure _by Mortgagee. Landlord agrees to accept performance by Mortgagee of all cures, conditions and covenants as though performed by Tenant, and agrees to permit Mortgagee access to the Property to take all such actions as may be necessary or useful to perform any condition or covenants of the Lease or to cure any default of Tenant. Mortgagee shall not be required to perform any act or cure any default which is not reasonably susceptible to performance or cure by Mortgagee. (c) ) Mortgagee__Acilsition and Cure. If Mortgagee elects any of the above -mentioned options, then upon Mortgagee's acquisition of the Lease by foreclosure, whether by power of sale or otherwise or by deed or assignment in lieu of foreclosure, or if a receiver be appointed., the Lease shall continue in full force and effect, provided that, if Mortgagee elects the option provided in Section 1 .2. a ii above, then upon Mortgagee's acquisition of the Lease, Mortgagee shall cure all prior defaults of Tenant under the Lease that are reasonably capable of being cured by Mortgagee within the time set forth in said Section, and Landlord shall treat Mortgagee as Tenant under the Lease. If Mortgagee commences an action as set forth in Section I .2. a ii above, and thereafter Tenant cures such defaults (which cure Landlord shall be obligated to accept) and Mortgagee then terminates all proceedings under the option in said Section, then the Lease shall remain in full force and effect between Landlord and Tenant. Page 40 18.2.4 NewL.eas. In the event the Lease is terminated for any reason prior to the end of the Lease Term, Landlord shall promptly give Mortgagee written notice of such termination and shall enter into a new lease ("New Lease) with Mortgagee or Mortgagee's nominee covering the Property, provided that Mortgagee (a) requests such New Lease by written notice to Landlord within sixty days after Mortgagee's receipt of written notice by Landlord oftermination f the Lease, and b cures all prior defaults of Tenant that are reasonably capable of being cured by Mortgagee. The New Lease shall be for the remainder of the Lease Term, effective at the date of such termination, and shall only include all the rents and all the covenants, agreements, conditions, provisions, restrictions and limitations contained in the Lease, except as otherwise provided in the Lease. In connection with a. New Lease, Landlord shall assign to Mortgagee or its nominee all of Landlord's interest in all existing subleases of all or any part of the Property and all attormnents given by the sublessees. Landlord shall not terminate or agree to terminate any sublease or enter into any new lease or sublease for all or any portion of the Property without Mortgagee's prior written consent, unless Mortgagee fails to deliver its request for a New Lease under this Section. In connection with any such New v Lease, Landlord shall, by grant deed, convey to Mortgagee or its nominee title to the Improvements, if any, which become vested in Landlord as a result of termination of the Lease. Landlord shall allow to the tenant under the New Lease a credit against rent equal to the net income derived by Landlord from the Property during the period from the date of termination of the Lease until the date of execution of the New Lease under this Section. 18.2.5 Security Deposits. Mortgagee or any other purchaser at a foreclosure sale of the . Mortgage (or Mortgagee or its nominee if one of them enters into a New Lease with Landlord) shall succeed to all the interest of Tenant in any security or other deposits or other impound payments paid by Tenant to Landlord. 18.2.6 e mitt _ cla . So long as Mortgagee is prevented by any process or injunction issued by any court or by any statutory stay, or by reason of any action by any court having jurisdiction of any bankruptcy or insolvency proceeding involving Tenant or any other person, from commencing or prosecuting foreclosure or other appropriate proceedings in the nature thereof, Mortgagee shall not be deemed for that reason to have failed to commence such proceedings or to have failed to diligently prosecute such proceedings, provided that Mortgagee uses reasonable efforts to contest and appeal the issuance or continuance of any such process, stay or injunction. 1 .2.7 Defaults a ec _cured. On transfer of the Lease at any foreclosure sale under the Mortgage or by deed o.r assignment in lieu of foreclosure, or upon creation of a New Lease, any or all of the following defaults relating to the prior owner of the Lease shall be deemed cured: (a) (b) of the prior Tenant; (c) possession of the Lease; Attachment, execution or other judicial levy upon the Lease; Assignment of the Lease for the direct or indirect benefit of creditors Judicial appointment of a receiver or similar officer to take Page 41 (d) Filing any petition by, for or against Tenant under any chapter of the federal Bankruptcy Act or any federal or state debtor relief statute, as amended; (e) Any failure by Tenant to make a disclosure of a hazardous substance release as required by the California Health and Safety Code, the Lease or otherwise; and (f) Any other defaults personal to Tenant and/or not otherwise reasonably curable by Mortgagee. 18.2.8 Mortgagee Priority. Anything herein contained to the contrary notwithstanding, the provisions of this Section shall inure only to the benefit of the holders of Mortgages. If the holders of more than one such Mortgage shall make written requests upon Landlord in accordance with this Lease, the new lease (as providedfor in subsection 18.2.4 above) shall be entered into pursuant to the request of the holder whose Mortgage shall be prior in lien thereto and thereupon the written requests for a new lease of each holder of a Mortgage junior in lien shall be and be deemed to be void and of no force or effect. 18.3 Landlord's Forbearance and Right to Cure efaults_on Leasehold Mortgages. 18.3.1 Notice. Landlord will give to Mortgagee, at such address as is specified by the Mortgagee in accordance with Section 26.1 hereof, a. copy of each notice or other communication with respect to any claim that a default exists or is about to exist from Landlord to Tenant hereunder at the time of giving such notice or communication to Tenant, and Landlord will give to Mortgagee a copy of each notice of any rejection of this Lease by any trustee in bankruptcy of Tenant. Landlord will not exercise any right, power or remedy with respect to any Event of Default hereunder, and no notice to Tenant of any such Event of Default and no termination of this Lease in connection therewith shall be effective, unless Landlord has given to Mortgagee written notice or a copy of its notice to Tenant of such Event of Default or any such termination, as the case may be. 1 . .2 Mortgagee's Transferees, Etc. In the event the leasehold estate hereunder shall be acquired by foreclosure, trustee's sale or deed or assignment in lieu of foreclosure of a Mortgage, the purchaser at such sale or the transferee by such assignment and its successors as holders of the leasehold estate hereunder shall not be liable for any Rent, if any, or other obligations accruing after its or their subsequent sale or transfer of such leasehold estate and such purchaser or transferee and its successors shall be entitled to transfer such estate or interest without consent or approval of Landlord; provided that, the purchaser or transferee or successor as holder of the leasehold estate hereunder shall be liable for the payment of all Rent, if ally, becoming due with respect to the period during which such purchaser, transferee or other successor is the bolder of the leasehold estate hereunder. This Section shall also apply to the rights of a Mortgagee in connection with the entry into a new lease under Section 18.2.4 and to the appointment of a receiver on behalf of a. Mortgagee. Page 42 18.3.3 Insurance and Condemnation. In the event of any casualty to, or condemnation of, all or any part of the leased premises or any improvements now or hereafter located thereon, the provisions of the Mortgages relating thereto shall prevail over any provisions of this Lease relating thereto. 18.4 No Liability of Mortgagee for Prior Indemnified Acts. A Mortgagee shall not be obligated to assume the liability of Tenant for any indemnities arising for a period prior to Mortgagee's acquiring the right to possession of the Property under this Lease. 18.5 Landlord Coo erat_. Landlord covenants and agrees that it will act and fully cooperate with Tenant in connection with Tenant's right to grant leasehold mortgages as hereinabove provided. At the request of Tenant or any proposed or existing Mortgagee, Landlord shall promptly execute and deliver (i) any documents or instruments reasonably requested to evidence, acknowledge and/or perfect the rights of Mortgagees as herein provided; and (ii) an estoppel certificate certifying the status of this Lease and Tenant's interest herein and such matters as are reasonably requested by Tenant or such Mortgagees. Such estoppel certificate shall include, but not be limited to, certification by Landlord that (a) this Lease is unmodified and in full force and effect (or, if modified, state the nature of such modification and certify that this Lease, as so modified, is in full force and effect), b all rents currently due under the Lease have been paid, (c) there are not, to Landlord's knowledge, any uncured Events of Default on the part of Tenant under the Lease or facts, acts or omissions which with the giving of notice or passing of time, or both, would constitute an Event of Default. Any such estoppel certificate may be conclusively relied upon by any proposed or existing leasehold Mortgagee or assignee of Tenant's interest in this Lease. 18.6 Priority. The Lease, and any extensions, renewals or replacements thereof, and any sublease entered into by Tenant as sublessor, and any Mortgage or other encumbrance recorded by any Mortgagee shall be superior to any mortgages, deeds of trust or similar encumbrances placed by Landlordon the Property and to any lien right, if any, of Landlordon the buildings, and any furniture, fixtures, equipment or other personal property of Tenant upon the Property or any interest of Landlord in sublease rentals or similar agreements. 18.7 Claims. Landlord and Tenant shall deliver to Mortgagee notice of any litigation or arbitration proceedings between the parties or involving the Property or the Lease. Mortgagee shall have the right, at its option, to intervene and become a party to any such proceedings. If Mortgagee elects not to intervene or become a party, Landlord shall deliver to Mortgagee prompt notice of and a copy of any award, decision or settlement agreement made in connection with any such proceeding. 18.8 Further_ Amendments. Landlord and Tenant shall cooperate in including in the Lease by suitable amendment from time to time any provision which may be reasonably requested by any proposed Mortgagee for the purpose of implementing the mortgagee protection provisions contained in this Lease and allowing that Mortgagee reasonable means to protect or preserve the lien of its Mortgage upon the occurrence of a default under the terms of the Lease. Landlord and Page 4 Tenant each agree to execute and deliver (and to acknowledge ledge for recording purposes, if necessary) any agreement required to effect any such amendment. ARTICLE 19. SUBLEASING 19.1 Subleasing of ]Proety. All subleases "Subleases" made by Tenant shall be subject to the following provisions and restrictions: 1911 Tenant may, without the consent of Landlord, let individual units of the Improvements to any person who qualifies. 19.1.2 Each Sublease shall contain a provision, satisfactory to Landlord, requiring the Subtenant to attorn to Landlord upon (a) an Event of Default by Tenant under this Lease, and (b) receipt by such Subtenant of written notice of such Event of Default and instructions to make such Subtenant's rental payments to Landlord. 19.1.3 On any termination of this Lease prior to the expiration of the Term, all of Tenant's interest as sublessor under any and all existing valid and enforceable Subleases for which Landlord has issued a non -disturbance agreement shall be deemed automatically assigned, transferred and conveyed to Landlord and subtenants under such Subleases shall be deemed to have attorned to Landlord. Landlord shall thereafter be bound on such Subleases to the same extent Tenant, as sublessor, was bound thereunder and Landlord shall have all the rights under such Subleases that Tenant, as sublessor, had under such Subleases; provided, however, that any amendments to any such Sublease made after the issuance of a non -disturbance agreement to a subtenant shall not be binding on Landlord. 19.1.4 Any subtenant qualifying shall, upon written request, receive a non - disturbance agreement from Landlord. 19.1.5 Not later than thirty (30) days after each anniversary of the date of commencement of the term of this Lease, Tenant shall deliver to Landlord a current list of the name and mailing address of each Subtenant. 19.1.6 Tenant shall not accept, directly or indirectly, more than two months prepaid rent plus a reasonable security deposit from any subtenant. 19.1.7 Each Sublease shall expressly provide that it is subject to each and all of the covenants, conditions, restrictions and provisions of this Lease. 19.2 Rights of Mortmees. Notwithstanding anything contained in this Lease to the contrary, all attornment provisions applicable to the Landlord shall also be applicable to a Mortgagee and, as between Landlord and Mortgagee, the Mortgagee shall have priority in any attorrent situation. Page 44 ARTICLE 20. PERFORMANCE OF TENANT'S COV NA1 TS 20.1 Right of Performance. If Tenant shall at any time fail to pay any Imposition or other charge in accordance with Article 4 hereof; within the time period therein permitted, or shall fail to pay for or maintain any of the insurance policies provided for in Article 9 hereof, within the time therein permitted, or to make any other payment or perform any other act on its part to be made or performed hereunder, within the time permitted by this Lease, then Landlord, after thirty (30) days' written notice to Tenant (or, in case of an emergency, on such notice, or without notice, as may be reasonable under the circumstances) and without waiving or releasing Tenant from any obligation of Tenant hereunder, may (but shall not be required to): (a) pay such Imposition or other charge payable by Tenant pursuant to the provisions of Article 4 hereof, or b. pay for and maintain such insurance policies provided for in Article hereof, or (c) make such other payment or perform such other act on Tenant's part to be made or performed as in this Lease provided. 20.1 .1 h -of Mortgagees. Notwithstanding anything contained in this Lease to the contrary, all of the performance rights available to Landlord under Section 20.1 shall also be available to Mortgagee and, as between Landlord and Mortgagee, the rights of the Mortgagee shall take precedence over the rights of Landlord. 20.2 Reimbursement and Painag. All sums so paid by Landlord and all costs and expenses incurred by Landlord in connection with the performance of any such act, together with interest thereon at the rate provided in Section 4.5 from the respective dates of Landlord's making of each such payment or incurring of each such cost or expense, shall be paid by Tenant to Landlord on demand. Landlord shall not be limited in the proof of any damages which Landlord may claim against Tenant arising out of or by reason of Tenant's failure to provide and keep in force insurance as aforesaid, to the amount of the insurance premium or premiums not paid or incurred by Tenant and which would have been payable upon such insurance, but Landlord shall also be entitled to recover as damages for such breach, the uninsured amount of any loss (to the extent of any deficiency in the insurance required by the provisions of this Lease), damages, costs and expenses of suit, including attorneys' fees, suffered or incurred by reason of damage to, or destruction of, the Improvements, ents, occurring during any period l in which Tenant shall have failed or neglected to provide insurance as aforesaid. ARTICLE 21. EVENTS OF DEFAULT; REMEDIES 21.1 Events of Default. Any one or all of the following events shall constitute an Event of Default hereunder: Page 45 21.1.1 If Tenant shall default in the payment of any Rent when and as the same becomes due and payable and such default shall continue for more than ten 1 days after Landlord shall have given written notice thereof to Tenant; or 21.1.2 The abandonment or vacation of the Property by Tenant for a period of thirty 0 days; or 21.1.3 The entry of any decree or order for relief by any court with respect to Tenant, or any assignee or transferee of Tenant (hereinafter "Assignee"), in any involuntary case under the Federal Bankruptcy Code or any other applicable federal or state law; or the appointment of or taking possession by any receiver, liquidator, assignee, trustee, sequestrator or other similar official of Tenant or any Assignee (unless such appointment is in connection with a Mortgagee's exercise of its remedies under its Mortgage), or of any substantial part of the property of Tenant or such Assignee, or the ordering or winding up or liquidating of the affairs of Tenant or any Assignee and the continuance of such decree or order unstayed and in effect for a period of ninety (90)days or more (whether or not consecutive); or the commencement by Tenant or any such Assignee of a voluntary proceeding under the Federal Bankruptcy Code or any other applicable state or federal law or consent by Tenant or any such Assignee to the entry of any order for relief inn an involuntary case under any such law, or consent by Tenant or any such Assignee to the appointment of or taking of possession by a receiver, liquidator, assignee, trustee, sequestrator or other similar official of Tenant or any such Assignee, or of any substantial property of any of the foregoing, or the making by Tenant or any such Assignee of any general assignment for the benefit of creditors; or Tenant or any such Assignee takes any other voluntary action related to the business of Tenant or any such Assignee or the winding up of the affairs of any of the foregoing. 21.1.4 If Tenant shall default in the performance of or compliance with any other term, covenant or condition of this Lease (other than as set forth in Paragraph 21.1.1 of this Section 21.1) and such default shall continue for more than thirty (30) days after Landlord shall have given written notice thereof to Tenant, provided, however, if cure of such default reasonably requires more than thirty days, then, provided that Tenant commences to cure within such thirty(30) day period and thereafter diligently and continuously prosecutes the cure to completion, Tenant shall not be in default during the cure period. 21,2 Remedies. . 21.2.1 If an Event of Default shall occur and continue as aforesaid, then in addition to any other remedies available to Landlord at law or in equity, Landlord shall have the immediate option to terminate this Lease and bring suit against Tenant or submit the issue of Tenant's default to arbitration as provided in Article 23 and recover as an award in such suit or arbitration proceeding the following: (a) the worth at the time of award of the unpaid rent and all other sums due hereunder which had been earned at the time of termination; Page 46 (b) the worth at the time of award of the amount by which the unpaid rent and all other sums due hereunder which would have been earned after termination until the time of award exceeds the amount ofsuch rental loss that Tenant proves could have been reasonably avoided; (c) the worth at the time of award of the amount by which the unpaid rent and all other sums due hereunder for the balance of the Term after the time of award exceeds the amount of such rental loss that Tenant proves could be reasonably avoided; (d)any other amount necessary to compensate Landlord for all the detriment proximately caused by the Tenant's failure to perform its obligations under this Lease or which in the ordinary course of things could be likely to result therefrom; and (e) such amounts in addition to or in lieu of the foregoing as may be permitted from time to time by applicable California law. 21.2.2 The "worth at the time of the award" of the amounts referred to in Subparagraphs 21.2.1(a) and 21.2.1(b) above shall be computed by allowing interest at the rate provided in Section 4.5 as of the date o.f the award. The "worth at the time of award" of the amount referred to in subparagraph 21. .1 c above shall be computed by discounting such amount at the discount rate of the Federal Reserve Bank of San Francisco at the time of award plus one percent (1%). 21.2.3 If an Event of Default occurs, Landlord shall also have the right, with or without terminating this Lease, but subject to any nondi sturbanc e agreements entered into with Subtenants, to reenter the Property and remove all persons and property from the Property; such property may be removed and stored in a public warehouse or elsewhere at the cost of and for the account of Tenant. 21.2.4 If an Event of Default occurs, Landlord shall also have the right, with or without terminating this Lease, to relet the Property. if Landlord so elects to exercise its right to relet the Property but without terminating this Lease, then rentals received by Landlord from such reletting shall be applied: First, to the payment of any indebtedness other than rent due hereunder from Tenant to Landlord; Second, to the payment of any cost of such relating; Third, to the payment of the cost of any alterations and repairs to the Property; Fourth, to the payment of rent due and unpaid hereunder; and Fifth, the residue, if any, shall be held by Landlord and applied in payment of future rent as the same may become due and payable hereunder. Should the amount of rental received from such reletting during any month which is applied to the payment of rent hereunder be less than that agreed to be paid during that month by Tenant hereunder, then Tenant shall pay such deficiency to Landlord immediately upon demand therefor by Landlord. Such deficiency shall be calculated and paid monthly. Tenant shall also pay to Landlord, as soon as ascertained, any costs and expenses incurred by Landlord in such reletting or in making alterations and repairs not covered by the rentals received from such reletting. Page 47 21.2.5 To reentry or taking possession of the Property by Landlord pursuant to Paragraphs 21.2.3 or 21.2.4 shall be construed as an election to terminate this Lease unless a written notice of such intention is given to Tenant or unless the termination thereof is decreed by a court of competent jurisdiction. Notwithstanding any reletting without termination by Tenant because of any default by Tenant, Landlord may at any time after such reletting elect to terminate this Lease for any such default. 21.3 Receipt of Rent, No Waiver of Default. The receipt by Landlord of the rents or any other charges due to Landlord, with knowledge of any breach of this Lease by Tenant or of any default on the part of Tenant in the observance or performance of any of the conditions or covenants of this Lease, shall not be deemed to be a waiver of any provisions of this Lease. No acceptance by Landlord of a lesser sum than the rents or any other charges then due shall be deemed to be other than on account of the earliest installment of the rents or other charges due, nor shall any endorsement or statement on any check or any letter accompanying any check or payment of rent or charges due be deemed an accord and satisfaction, and Landlord may accept such check or payment without prejudice to Landlord's right to recover the balance of such installment or pursue any other remedy provided in this Lease. The receipt by Landlord of any rent or any other sum of money or any other consideration paid by Tenant after the termination ofthis Lease, or after giving by Landlord of any notice hereunder to effect such termination, shall not, except as otherwise expressly set forth in this Lease, reinstate, continue, or extend the term of this Lease, or destroy, or in any manner impair the efficacy of ny such notice of termination as may have been given hereunder by Landlord to Tenant prior to the receipt of any such sum of money or other consideration, unless so agreed to in writing and signed by Landlord. Neither acceptance of the keys nor any other act or thing done by Landlord or by its agents or employees during the Term shall be deemed to be an acceptance of a surrender of the Property or the Improvements, excepting only an agreement in writing signed by Landlord accepting or agreeing to accept such surrender. 21.4 Effect on Indemnification. Notwithstanding the foregoing, nothing contained in this Article 21 shall be construed to limit the Indernnitees' right to indemnification as otherwise provided in this Lease. 21.5 Limited Waiver of RIlit to Terminate Lease. Landlord hereby waives it right to terminate this Lease during the Compliance Period for a default by Tenant other than the failure to pay Annual Rent. That notwithstanding, Landlord, during the Compliance Period, shall retain all other rights and remedies available hereunder or by law for such a non -monetary default, including, without limitation, an action to compel performance of the covenant or condition that is the subject of the alleged default. ARTICLE 22. PERMITTED CONTESTS Tenant, at no cost or expense to Landlord, may contest (after prior written notice to Landlord), by appropriate legal proceedings conducted with due diligence, the amount or validity or application, in whole or in part, of any Imposition or lien or any Legal Requirement or Insurance Requirement, provided that (a) in the case of liens of mechanics, materialmen, suppliers or vendors, or Impositions or liens therefor, such proceedings shall suspend the collection thereof Page 48 from Landlord, and shall suspend a foreclosure against the Property and/or the Improvements, or any interest therein, or any Rent, if any, (b) neither the Property or the Improe.ets, nor any part thereof or interest therein, or the Rent, .t, if any, or any portion thereof, would be in any danger of being sold, forfeited or lost by reason of such proceedings, in the case of a Legal Requirement, Landlord would not be in any danger of any criminal liability or, unless Tenant shall have furnished a bond or other security therefor satisfactory to Landlord, any additional civil liability for failure to comply therewith and the Property and the Improvements would not be subject to the imposition of any lien as a result of such failure, and (d) Tenant shall have furnished to Landlord, if requested, a bond or other security, satisfactory to Landlord. If Tenant shall fail to contest any such matters, or to give Landlord security as hereinabove provided, Landlord may, but shall not be obligated to, contest the matter or settle or compromise the same without inquiring into the validity or the reasonableness thereof. Landlord, at the sole cost and expense of Tenant, will cooperate with Tenant and executeany documents or pleadings legally required for any such contest. ARTICLE 23. ARBITRATION OF DISPUTES 23.1 Matters Subject to Arbitration. All disputes arising under this Lease shall be submitted to arbitration prior to either party bringing suit based on such disputes, except that any dispute relating to the following rights and obligations shall not be subject to arbitration: 23.13 Tenant's obligation to: (a) pay Rent, if any, and other charges due under this Lease; (b) indemnify Landlord as provided herein; and (c) keep the Property and the Improvements free and clear of any mechanics' or other liens: 23.1.2 Landlord's right to: (a) pursue any of the remedies defined in Article 21; and (b) assign, transfer, sell or encumber its interest in the Property or this Lease; 23.1.3 Any right or obligation the exercise or performance of which is dependent on Landlord's approval, if the issue is the reasonableness of Landlord's action, 23.1.4 Any right of the Mortgagee to exercise its remedies under its Mortgage or in connection with the bankruptcy of the Tenant or Landlord. 23.2 Arbitration Process. Either party may refer a dispute subject to arbitration for settlement by arbitration in National City, California, in accordance with the Commercial Arbitration Rules of the American Page 4 Arbitration Association, and judgment upon the award rendered by the Arbitrator(s) may be entered in any Court having jurisdiction. NOTICE: BY I ITIALING IN THE SPACE BELOW YOU ARE AGREEING TO HAVE ANY DISPUTE ARISING OUT OF THE MATTERS INCLUDED IN THE "ARBITRATION OF DISPUTES" PROVISION DECIDED BY NEUTRAL ARBITRATION AS PROVIDED BY CALIFORNIA LAW AND YOU ARE GIVING UP ANY RIGHTS YOU MAY POSSESS TO HAVE THE DISPUTE LITIGATED IN A COURT OR JURY TRIAL. BY INITIALING IN THE SPACE BELOW YOU ARE GIVING UP YOUR JUDICIAL RIGHTS TO DISCOVERY AND APPEAL, UNLESS SUCH RIGHTS ARE SPECIFICALLY INCLUDED IN THE "ARBITRATION OF DISPUTES" PROVISION. . IF YOU REFUSE TO SUBMIT TO ARBITRATION N AFTER AGREEING TO THIS PROVISION, YOU MAY BE COMPELLED TO ARBITRATE UNDER THE AUTHORITY OF THE CALIFORNIA CODE OF CIVIL PROCEDURE, YOUR AGREEMENT TO THIS ARBITRATION PROVISION IS VOLUNTARY. WE HAVE READ AND UNDERSTAND THE FOREGOING AND AGREE TO SUBMIT DISPUTES ARISING OUT OF THE MATTERS INCLUDED IN THE "ARBITRATION OF DISPUTES" PROVISION TO NEUTRAL ARBITRATION. Tenant's Initials Landlord's Initials ARTICLE 4. FORCE MAJEURE 24.1 Subject to Paragraph 24.2 below, any prevention, delay, nonperformance or stoppage by Tenant due to any of the following causes shall be excused: any regulation, order, act, restriction or requirement or limitation imposed by any federal, state, municipal or foreign government or any department or agency thereof, or civil or military authority; acts of God; acts or omissions of Landlord or its agents or employees; fire; explosion; floods and/or earthquakes; es; strikes, walkouts or inability to obtain aterials; war, riots, sabotage or civil insurrection; or any other causes beyond the reasonable control of Tenant. 24,2 No prevention, delay, or stoppage of performance shall be excused unless: 2 . .1 Tenant notifies Landlord within thirty days of such prevention, delay or stoppage that it is claiming excuse of its obligations under this Article 24; and 24.2.2 Tenant diligently proceeds within thirty (30) days of the conclusion of such prevention, delay or stoppage to cure the condition causing the prevention, delay or stoppage; and 24.2.3 Tenant effects such cure within a reasonable time. Page 50 ARTICLE . GENERAL PROVISIONS 25.1 Notices. All notices or demands shall be in writing and shall be served personally, by overnight courier, or by express or certified mail. Service shall be deemed conclusively made at the time of service if personally served; the next business day if sent by overnight courier and receipt is confirmed by the signature of an agent or employee ofthe party served; the next business day after deposit in .a.e United States mail, properly addressed and postage prepaid, return receipt requested, if served by express mail; and three 3 days after deposit thereof in the United States mail, properly addressed and postage prepaid, return receipt requested, if served by certified mail. 25.1.1 Any notice to Landlord shall be given to: Community Development Commission Rousing Authority of the City of National City 1243 National City Blvd, National City, California 91950 Attn: Executive Director 25.1.2 Any notice to Tenant shall be given to: D Avenue Housing Associates, LP, o Community HousingWorks 3111 Camino Del Rio North, Suite 800 San Diego, CA 92108 Attention: President and CEO With a copy to: Downs Pham &. Kuei LLP 235 Montgomery Street, 30th Floor San Francisco, CA 94010 Attention: Irene C. Kuei and to: Bank of America, N.A. MAI -22 -02-02 225 Franklin Street Boston, MA 02110 Attention: Asset Management Facsimile: 1 - 4 - 2 ' And: Banc of America CDC Special Holding Company, Inc. I1 Al-22 - 2-02 Page 51 225 Franklin Street Boston, MA 02110 Attention: Asset Management Facsimile; 17- 4 -2257 And: Buchalter, a Professional Corporation 1000 Wilshire Boulevard, Suite 1500 Los Angeles, CA 90017 Attn: Michael A. Williamson, Esq. Matter No:B0965-0654 And to Mortgagees: Bank of America, N.A. 2000 Clayton Road Mail Code CA4-704-06-06 Concord, CA 94520 Attention: Loan Administration With copy to: Buchalter, a Professional Corporation 1000 Wilshire Boulevard, Suite 1500 Los Angeles, CA 9 017 Attn: Michael A. Williamson, Esq. Matter No: B0965-0654 Any party may, by virtue of written notice in compliance with this Section 25.1, alter or change the address or the identity of the person to whom any notice, or copy thereof, is to be sent. 25.2 Certificates. Landlord or Tenant, as the case may be, shall execute, acknowledge and deliver to the other, promptly upon request, a Certificate of Landlord or Tenant, as the case may be, certifying (a) that this Lease is unmodified and in full force and effect (or, if there have been modifications, that the Lease is in full force and effect, as modified, and stating the date of each instrument so modifying the Lease), (b) the date, if any, through which the Rent, if any, has been paid, (c) whether there are then existing any offsets or defenses against the enforcement of any term hereof on the part of Tenant to be performed or complied with (and, if so, specifying the same), and (d) whether any default exists hereunder and, if any such default exists, specifying the nature and period of existence thereof and what action Landlord or Tenant, as the case may be, is taking or proposes to take with respect thereto and whether notice thereof has been given to the party in default. Any Certificate may be relied upon by any prospective purchaser, transferee, Tax Credit Partner, mortgagee or trustee under a deed of trust of the fee or leasehold estate in the Property or any part thereof or of Landlord's or Tenant's interest under this Lease. Tenant will Page 5 also deliver to Landlord, promptly upon request, such information with respect to the Property or any part thereof as from time to time may reasonably be requested. 25.3 No. Merger_ of Title. There shall be no merger of this Lease or the leasehold estate created by this Lease with any other estate in the Property or any part thereof by reason ofthe fact that the same person, firm, corporation or other entity may acquire or own or hold, directly or indirectly: (a) this Lease or the leasehold estate created by this Lease or any interest in this Lease or in any such leasehold estate, and any other estate in the Property and the Improvements or any part thereof or any interest in such estate, and no such merger shall occur unless and until all persons, corporations, firms and other entities, including any leasehold mortgagee or leasehold mortgagees, having any interest (including a security interest) in (i) this Lease or the leasehold estate created by this Lease, and (ii) any other estate in the Property or the Improvements or any part thereof shall join in a written instrument effecting such merger and shall duly record the same. 25.4 tilit Services. Tenant shall pay or cause to be paid all charges for all public or private utility services and all sprinkler systems and protective services at any time rendered to or in connection with the Property or the Improvements, or any part thereof, and shall comply with all contracts existing on the date hereof or subsequently executed by Tenant relating to any such services, and will do all other things required for th.e maintenance and continuance of all such services. 25.5 _ iet Enjoyment. Tenant, upon paying the Rent, if any, and other charges herein provided for and upon performing and complying with all covenants, agreements, terms and conditions of this Lease to be performed or complied with by it, si ll lawfully and quietly hold, occupy and enjoy the Property during the term of this Lease without hindrance or molestation by Landlord, or any person or persons claiming through Landlord. 25.6 No Claims Against Landlord. Nothing contained in this Lease shall constitute any consent or request by Landlord, express or implied, for the performance of any labor or services or the furnishing of any materials or other property in respect of the Property or any part thereof, nor as giving Tenant any right, power or authority to contract for or permit the performance of any labor or services or the furnishing of any materials or other property in such fashion as would permit the making of any claim against Landlord or its interest in the Property in respect thereof. 25.7 ctio . Landlord and its authorized representatives may enter the Property or any part thereof at all reasonable times for the purpose of inspecting, servicing or posting notices, protecting the Property or the Improvements, or for any other lawful purposes. That notwithstanding, Landlord may only enter residential units after giving Tenant three 3 days prior written notice, 25.8 No Waiver by Landlord. To the extent permitted by applicable law, no failure by Landlord to insist upon the strict performance of any term hereof or to exercise any right, power or remedy consequent upon a default under this Lease, and no acceptance of rent during the continuance of any such default, shall constitute a waiver of any such default or of any such term. Page 53 No waiver of any default shall affect or alter this Lease, which shall continue in full force and effect, or the rights of Landlord with respect to any other then existing or subsequent default. 25.9 Holding Over. In the event Tenant shall hold over or remain in possession of the Property or the Improvements with the consent of Landlord after the expiration of the Term, such holding over or continued possession shall create a tenancy for month to month only, upon the same terms and conditions as are herein set forth so far as the same are applicable. 25.10 Exculpation_ of Certain Personal Liability. Notwithstanding anything to the contrary provided in this Lease, including, without limitation, the remedies provisions set forth in Section 21.2 above, it is specifically understood and agreed that except as to; (a) the obligation to pay Animal Rent pursuant to Section + 1; (b) the obligation to pay any and all Impositions; (c) acts of fraud and/or criminal misconduct; (d) acts of gross negligence and/or willful misconduct; (e) any and all legal costs and expenses reasonably incurred by Landlord in the enforcement of this Lease; and/or (f) liability for risks required to be covered by insurance under this Lease but for which Tenant fails to maintain such coverage; there shall be no personal liability or obligation on the part of any partner in Tenant or any assignee or successor in interest of any such partner with respect to the provisions of this Lease; provided, that, in no event shall the Tax Credit Partner have any personal liability with respect to the provisions of this Lease. 25.11 No Partnership. Anything contained herein to the contrary notwithstanding, Landlord does not in any way or for any purpose become a partner of Tenant in the conduct of its business, or otherwise, or a joint venturer or member of a joint enterprise with Tenant hereunder. 25.12 RemOies Cumulative: The various rights, options, elections and remedies of Landlord and Tenant, respectively, contained in this Lease shall be cumulative and no one of them shall be construed as exclusive of any other, or of any right, priority or remedy allowed or provided for by law and not expressly waived in this Lease. 25.13 A me s Fees. In the event of a dispute between the parties arising out of or in connection with this Lease, whether or not such dispute results in arbitration or litigation, the prevailing party (whether resulting from settlement before or after arbitration or litigation is commenced) shall be entitled to have and recover from the losing party reasonable attorneys' fees and costs of suit incurred by the prevailing party. Page 54 25.14 Time Is Of The Essence. Time is ofthe essence of this Lease and all oft the terms, provisions, covenants and conditions hereof. 25.15 Survival of Roesentations, Warranties and Covenants. The respective representations, warranties and covenants contained herein shall survive the Commencement Date and continue throughout the Term. 25.16 Construction ofAgreement. This Lease shall be construed in accordance with the substantive laws of the State of California, without regard to the choice of law rules thereof. The rule of construction that a document be constmed strictly against its drafter shall have no application to this Lease. 25.17 S er abilit . If one or more of the provisions of this Lease shall be held to be illegal or otherwise void or invalid, the remainder of this Lease shall not be affected thereby and shall remain in full force and effect to the maximum extent permitted under applicable laws and regulations. 25.18 Entire . rent: Modification. This Lease contains the entire agreement of the parties with respect to the matters discussed herein. This Lease may be amended only by an agreement in writing signed by the party against whom enforcement of any waiver, change, modification, extensions or discharge is sought. 25.19 in in Effect and Benefits. This Lease shall inure to the benefit of and be binding on the parties hereto and their respective successors and assigns. Except as otherwise set forth herein, nothing in this Lease, expressed or implied, is intended to confer on any person other than the parties hereto or their respective successors and assigns any rights, remedies, obligations, or liabilities under or by reason of this Lease. 25 Further Assurances. Each party hereto will promptly execute and deliver without further consideration such additional agreement, assignments, endorsements and other documents as the other party hereto may reasonably request to carry out the purposes of this Lease. 25.21 Counterparts. This Lease may be executed simultaneously in counterparts, each ofwhich shall be deemed an original, but all of which together shall constitute one and the same Lease, 25.22 Number and Gender. Whenever the singular number is used in this Lease and required by the context, the same shall include the plural, and the masculine gender shall include the feminine and neuter genders. 25.23 Incorporation by Reference. Every Exhibit attached to this Lease and referred to herein is hereby incorporated by reference. Page 55 25.24 Tax Crelit Partner Rights. Notwithstanding anything to the contrary contained in this Lease, Landlord, prior to any action to enforce this Lease, shall give the Tax Credit Partner notice and opportunity to cure for a period of not less than (a) fifteen (15) days if a monetary default, and (b) thirty 0 days if a nonmonetary default; provided., however, if in order to cure such a default Tax Credit Partner reasonably determines that it must remove the general partner of Tenant, Tax Credit Partner shall so notify Lender and so long as Tax Credit Partner is diligently and continuously attempting to so remove such general partner, Tax Credit Partner shall have until the date thirty 0 days after the effective date of the removal of the general partner or general partners to cure such default but in no event more than one 1 year. [SIGNATURES BEGIN ON FOLLOWING PAGE] Page 56 IN WITNESS WHEREOF, the undersigned have executed this Lease as of the date first above written. "Landlord" COMMUNITY EV LOPM NT COMMISSION - HOUSING AUTHORITY OF THE CITY OF NATIONAL CITY, a public body, corporate and politic By: 4Tony inney, Assistant City anager APPROVED AS TO FORM: B. _fermi APPROVED FORM: Christensen & Spath LLP Landlord Special Counsel By: Walter p tl HH r (SIGNATURES CONTINUED ON FOLLOWING PAGE Page 57 "Tenant"' D AVENUE HOUSING ASSOCIATES, L.P,, a California limited partnership By. CHW D enue, LLC, a California limited liability company, its Managing General Partner By. Community i-IousingWor s, a California nonpro public benefit corporation, its Sole era '' Ma ger By aryj: Jozinski Page 58 EXHIBIT "A" LEGAL DESCRIPTION RIPTI F THE PROPERTY The land referred to herein is situated in the State of California, County of San Diego and described as follows: SITE ICI I' BALL WEST (LEASE) APN: 560-410-06 LOT 6 OF CENTER CITY PROJECT, IN THE CITY OF NATIONAL CITY, COUNTY OF SAN DIEGO, STATE OF CALIFORNIA, ACCORDING DIN TO MAP THEREOF NO. 8807, FILED IN THE OFFICE OF THE COUNTY RECORDER OF SAN DIEGO COUNTY, FEB U RY 2411978. EXHIBIT "A" Page I_ EXHIBIT "B" INCOME COMPUTATION AND CERTIFICATION NOTE TO APARTMENT OWNER: This form is designed to assist you in computing Annual Income in accordance with the method .od set forth in the Department of Housing and Urban Development("HUD") Regulations (24 CFR 1 . You should make e certain that this form is at all times up to date with the HUD Regulations. Re: Kimball Highland, National City, California I W , the undersigned state that I we have read and answered fully, frankly and personally each of the following questions for all persons who are to occupy the unit being applied for in the above apartment project. Listed below are the names of all persons who intend to reside in the unit: 1 Names Members Household . of of Relationship Head Household 2 • to of 3. Age Social Number 4. Security Place/Source Employment 5. of Income (before deductions) 6. Monthly Gross Amount HEAD SPOUSE Income ....-. Computation 6. The total anticipated income, calculated in accordance with the provisions of this paragraph 6, of all persons over the age of 18 years listed above for the 12-month period beginning the date that I we plan to move into a unit is Included in the total anticipated income listed above are: . EXHIBIT "B" Page 1 (a) all wages and salaries, overtime pay, commissions, fees, tips and bonuses and other compensation for personal services, before payroll deductions; (b) the net income from the operation of a business or profession or from the rental of real or personal property (without deducting expenditures for business expansion or amortization of capital indebtedness or any allowance for depreciation of capital assets), (c) interest and dividends (including income from assets excluded below); (d) the full amount of periodic payments received from social security, annuities, insurance policies, retirement funds, pensions, disability or death benefits and other similar types of periodic receipts, including any lump sum payment for the delayed start of a periodic payment; (e) payments in lieu of earnings, such as unemployment and disability compensation, worker's compensation and severance pay; f the maximum amount of public assistance available to the above persons other than the amount of any assistance specifically designated for shelter and utilities; (g) periodic and determinable allowances, such as alimony and childsupport payments and regular contributions and gifts received from persons not residing in the dwelling; (h) all regular pay, special pay and allowances of a member of the Armed. Forces (whether or not living in the dwelling) who is the head of the household or spouse; and (i) any earned income tax credit to the extent that it exceeds income tax liability. Excluded from such anticipated income are: (a) casual, sporadic or irregular gifts; (b) amounts which are specifically for or in. reimbursement of medical expenses; (c) lump sum additions to family assets, such as inheritances, insurance payments (including payments under health and accident insurance and workmen's compensation), capital gains and settlement for personal or property losses; (d) amounts of educational scholarships paid directly to the student or the educational institution, and amounts paid by the government to a veteran for use in meeting the costs of tuition, fees, books and equipment. Any amounts of such scholarships or payments to veterans not used for the above purposes are to be included in income; fire; (e) special pay to a household member who is away from home and exposed to hostile EXHIBIT "B" Page 2 relocation payments under Title II of the Uniform Relocation Assistance and Real Property Acquisition Policies Act of 1970; (g) foster child care payments; (h) the value of coupon allotments for the purchase of foods pursuant to the Food Stamp Act of 1977; payments to volunteers under the Domestic Volunteer Service Act of 1973; payments received under the Alaska Native Claims Settlement Act; (k) income derived from certain submarginal land of the United States that is held in trust for certain Indian tribes; (1) payments or allowances made under the Department of Health and Human Services' Low -Income Home Energy Assistance Program; ram; (m) p .ym nts received from the Job Training Partnership Act; (n) income derived from the disposition of funds of the Grand River Band of Ottawa Indians; and (o) the first $2,000.00 of per capita shares received from judgment funds awarded by the Indian Claims Commission or the Court of Claims. 7. Do the persons whose income or contributions are included in item 6 above: (a) have savings, stocks, bonds, equity in real property or other form of capital investment (excluding the values of necessary items of personal property such as furniture and automobiles and Yes No interests in Indian trust land); or (b) have they disposed of any assets (other than at a foreclosure or Credit Bankruptcy sale) during the last two years at less than fair market value? (c) If the answer to (a) or (b) above is yes, does the combined total value of all such assets owned or disposed of by all Yes No such persons total more than $5,000? EXHIBIT '" Page (d) If the answer to (c) above is yes, state: (1) the amount of income expected to be derived from such assets in the 12-month period beginning on the date of initial occupancy in the unit that you propose to rent: (2) the amount of such income, if any, that was included in item 6 above: 8. (a) Are all of the individuals who propose to reside in the unit full-time students A full-time student is an individual enrolled as a full-time student during each of 5 calendar months during the calendar year in which occupancy of the unit begins at an educational organization which normally maintains a regular faculty and curriculum and normally has a regularly enrolled body of students in attendance and is not an individual pursuing a full-time course of institutional or farm training under the supervision of an accredited agent of such an educational organization or of a state or political subdivision thereof. S Yes No (b) If the answer to 8(a) is yes, is at least 1 of the Yes No proposed occupants of the unit a husband and wife entitled to file a joint federal income tax return? 9. Neither myself nor any other occupant of the unit I we propose to rent is the owner of the rental housing project in which the unit is located (hereinafter the "Owner"), has any family relationship to the Owner, or owns directly or indirectly any interest in the Owner. For purposes of this paragraph, indirect ownership by an individual shall mean ownership by a family member, ownership by a corporation, partnership, estate or trust in proportion to the ownership or beneficial interest in such corporation, partnership, estate or trustee held by the individual or a family member; and ownership, direct or indirect, by a partner of the individual. 10. This certificate is made with the knowledge that it will be relied upon by the Owner to determine maximum income for eligibility to occupy the unit, and I we declare that all information set forth herein is true, correct and complete and based upon information Ilwe deem reliable and that the statement of total anticipated income contained in paragraph 6 is reasonable and. based upon such investigation as the undersigned deemed necessary. 11. Y we will assist the Owner in obtaining any information or documents required to verify the statements made herein, including either an income verification from my/our present employer(s)or copies of federal tax returns for the immediately preceding calendar year. 12. I we acknowledge that liwe have been advised that the making of any misrepresentation or misstatement in this declaration will constitute a material breach of my/our agreement with the Owner to lease the unit and will entitle the Owner to prevent or terminate my/our occupancy of the unit by institution of an action for ejection or other appropriate proceedings. EXHIBIT "B" Page 1 . Housing Commission ission Statistical Information (optional - will be used for reporting purposes only). I-Iispanic Race (Head of Household) White Black Asian Native American Other Physical Disability: Yes No Ilwe declare under penalty of perjury that the foregoing is true and correct. Executed this day of in the County of California. Applicant Applicant [Signatures of all persons over the age of 18 years listed in number 2 above required.] EXHIBIT "B" Page FOR COMPLETION BY APARTMENT OWNER ONLY: 1. Calculation of eligible income: Enter amount entered for entire household in 6 above: b. (1) Ii answer to 7(c) above is yes, enter the total amount entered in 7(d}{1), subtract from that figure the amount entered in 7(d){2} and enter the remaining balance ($ _ (2) Multiply the amount entered in 7(c) times the current passbook savings rate to determine what the total annual earnings on the amount in 7(c) would be if invested in passbook savings ($ ), subtract from that figure the amount entered in 7(02) and enter the remaining balance ($ ) (3) Enter at right the greater of the amount calculated under (1) and (2) above: c. TOTAL ELIGIBLE INCOME (line La plus line 1.1)(3)): 2. The amount entered in I .c: Qualifies the applicant(s) as a Very Low -Income Tenant(s). Does not qualify the applicant(s) as a Very Low -Income Tenant(s). 3. Number er f apartment unit assigned: Bedroom Size: Rent: $ Tenant -Paid Utilities: Water Gas Electric Trash Other (list Type) 4. Was this apartment unit last occupied for a period of 31 consecutive days by persons whose aggregate anticipated annual income as certified in the above manner upon their initial occupancy of the apartment unit qualified them as Very Low -Income Tenants? Yes EXHIBIT "B" Page . Method used to verify applicant(s) income: Employer income verification. Social Security Administration verification Department of Social Services verification Copies of tax returns Other: Manager EXHIBIT "B" Page Article I. INCOME VERIFICATION (For Employed Persons) The undersigned ploys has applied for a rental unit located in a project financed under the_ - - - - Multifamily Housing Program for persons of low income. Every income statement of a prospective tenant must be stringently verified. Please indicate below the employee's current annual income from wages, overtime, bonuses, commissions or any other form of compensation received on a regular basis. Wages: Overtime: Bonuses: Commissions: Total Current Income: I hereby certify that the statements above are tru.e and complete to the best of my knowledge. Signature: Title: I hereby grant you permission to disclose my income to in order that they may determine my income eligibility for rental of an apartment located in their project which has been financed under --- Multifamily Housing Program. Signature: Please send form to: EXHIBIT "B" Page INCOME VERIFICATION (For Social Security Recipients) TO: SOCIAL SECURITY ADMINISTRATION Ladies and Gentlemen: I have applied for a rental unit located in a project financed under the _ Multifamily Housing Program for persons of low income. Every income statement of a prospective tenant must be stringently verified. In connection with my application for a rental unit, I hereby give my consent to release to the specific information requested below. Signature: Social Security No.: Address (Print): Name (Print): Monthly Benefits eganlWill Begin: Social Security Benefit Amount: Other Benefits* . Amount: $ Medicare Deduction: Are benefits expected to change? If Yes, please state date and amount of change: Yes —_ No Date: -.. Amount: If recipient is not receiving full benefit amount, please indicate reason and date recipient will start receiving full benefit amount: Reason: Date of Resumption: Amount: $_— Signature: Telephone: a Please send form to: Name (Print): Title: EXHIBIT "B" Page INCOME VERIFICATION (For Department of Social _Sr ices Aid Recjpientsl TO: CALIFORNIA DEPARTMENT OF SOCIAL SERVICES Ladies and Gentlemen: I am receiving assistance through your office. I have applied for a rental unit located in a project financed under the Multifamily Mousing Program for persons of very low income. Every income statement of a prospective tenant must be stringently verified. In connection with my application for a rental unit, I hereby authorize the Department of Social Services to release to _ the specific information requested below. Signature: Caseload Number: Case Number: 1. Number of persons included in budget: T o tal monthly budget: a. Amount of grant: b. Other income and source: Name (Print): Case Worker: Date aid last began: __.._......__ .. C. Is other income included in total budget? Yes _ No 2. Please specify type of aid (AFDC, FR, Food Stamps, ANB, Medical, etc.) 3. If recipient is not receiving full grant, please indicate reason: Overpayment due to client's failure to report other income Computation error Other EXHIBIT "B" Page 1 Date when full grant will resume: Case Worker's Signature Telephone: District Office Your very early response will be appreciated. Please return form to: EXHIBIT "B" Page 11 INCOME VERIFICATION (For Self - Employed Persons) I hereby attach copies of my individual federal and state income tax returns for the immediately preceding calendar year and certify that the information shown in such income tax returns is true and complete to the best of my knowledge. Signature: EXHIBIT "B" Page 12 EXHIBIT "C" CERTIFICATE OF CONTINUING PROGRAM COMPLIANCE [KimbaII Highland Master Plan Site 2] With reference to that certain Ground Lease Agreement by and between ("Tenant") and the COMMUNITY VEL PME T COMMISSION- HOUSING AUTHORITY OF THE CITY OF NATIONAL CITY, dated as of [ - - - - 20221 (the "Lease Agreement"), Tenant hereby certifies, as of , 2 j, the following percentages of units at theProperty, National City, California are occupied or being held vacant for low-income tenants: 1.Occupied by 30% of Median Income Tenants: %; Unit Nos. - - -- 2. Occupied by 50% of Median Income Tenants: %; Unit Nos. 3. Occupied by 0 of Median Income Tenants: °o; Unit Nos. . 4. Occupied by 70% of Median Income Tenants: %; Unit Nos. _ The undersigned hereby certifies that the information contained in this Certificate is true and complete and that Tenant is not in default under the Ground Lease. [SIGNATURE BLOCK] EXHIBIT "C" Page 1 EXHIBIT " 9 P12/1_,FOR RESIDENT SERVICES VICES [TO BE IINSERTED] EXHIBIT "D" Page 1