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2002 11 19 RDAT4tyl 4 .fP Q" Redevelopment Agency Agendas are available on the City s Web Page @ www.la-quinta.org Redevelopment Agency Agenda CITY COUNCIL CHAMBER 78-495 Calle Tampico La Quinta, California 92253 Regular Meeting Tuesday November 19, 2002 - 2:00 P.M. Beginning Res. No. RA 2002-20 CALL TO ORDER Roll Call: Board Members: Adolph, Pena, Perkins, Sniff, Chairperson Henderson PUBLIC COMMENT At this time, members of the public may address the Redevelopment Agency on any matter not listed on the agenda. Please complete a "request to speak" form and limit your comments to three minutes. Please watch the timing device on the podium. CLOSED SESSION 1. CONFERENCE WITH THE AGENCY'S REAL PROPERTY NEGOTIATOR, MARK WEISS, PURSUANT TO GOVERNMENT CODE SECTION 54956.8 CONCERNING POTENTIAL TERMS AND CONDITIONS OF ACQUISITION AND/OR DISPOSITION OF REAL PROPERTY LOCATED AT THE NORTHWEST CORNER OF AVENUE 52 AND JEFFERSON STREET (APN 772-220-007). PROPERTY OWNER/NEGOTIATOR: SUSAN HARVEY. 2. CONFERENCE WITH AGENCY'S REAL PROPERTY NEGOTIATOR, MARK WEISS, PURSUANT TO GOVERNMENT ODE SECTION 54956.8 CONCERNING POTENTIAL TERMS OF ACQUISITION AND/OR DISPOSITION OF REAL PROPERTY LOCATED ON THE NORTH SIDE OF CALLE TAMPICO, WEST OF DESERT CLUB DRIVE, EMBASSY SUITES (TENTATIVE PARCEL MAP 29909, PARCEL 8). PROPERTY OWNER/NEGOTIATOR: DANNY BROWN, BISON HOTEL GROUP. 3. CONFERENCE WITH AGENCY'S REAL PROPERTY NEGOTIATOR, MARK WEISS, PURSUANT TO GOVERNMENT CODE SECTION 54956.8 CONCERNING POTENTIAL TERMS AND CONDITIONS OF ACQUISITION AND/OR DISPOSITION OF REAL PROPERTY LOCATED SOUTHEAST OF THE MILES AVENUE AND WASHINGTON STREET INTERSECTION AND NORTH OF THE WHITEWATER CHANNEL (APN's 604-040-012/013 AND 604-040-022/023). PROPERTY OWNER/NEGOTIATOR: RICHARD OLIPHANT, CALIFORNIA INTELLIGENT COMMUNITIES, LLC. 001 Redevelopment Agency Agenda Page 1 November 19, 2002 Iva V VI VII 4. CONFERENCE WITH AGENCY'S REAL PROPERTY NEGOTIATOR, MARK WEISS, PURSUANT TO GOVERNMENT CODE SECTION 54956.8 CONCERNING POTENTIAL TERMS AND CONDITIONS OF ACQUISITION AND/OR DISPOSITION OF A 20-FOOT WIDE EASEMENT RUNNING EAST/WEST GENERALLY LOCATED BETWEEN AVENIDA BERMUDAS AT DESERT CLUB DRIVE, NORTH OF AVENIDA LA FONDA AND SOUTH OF CALLE TAMPICO. PROPERTY OWNER/NEGOTIATOR: LA QUINTA ARTS FOUNDATION. NOTE: Time permitting, the Redevelopment Agency Board may conduct Closed Session discussions during the dinner recess. In addition, when the Agency is considering acquisition of property, persons identified as negotiating parties are not invited into the Closed Session Meeting. RECONVENE AT 3:00 PM PUBLIC COMMENT At this time members of the public may address the Agency Board on items that appear within the Consent Calendar or matters that are not listed on the agenda. Please complete a "request to speak" form and limit your comments to three minutes. When you are called to speak, please come forward and state your name for the record. Please watch the timing device on the podium. For all Agency Business Session matters or Public Hearings on the agenda, a completed "request to speak" form should be filed with the City Clerk prior to the Agency beginning consideration of that item. CONFIRMATION OF AGENDA APPROVAL OF MINUTES APPROVAL OF THE MINUTES OF NOVEMBER 5, 2002. CONSENT CALENDAR Note: Consent Calendar items are considered to be routine in nature and will be approved by one motion. APPROVAL OF DEMAND REGISTER FOR NOVEMBER 19, 2002. 2. TRANSMITTAL OF TREASURER'S REPORT AS OF SEPTEMBER 30, 2002. 3. TRANSMITTAL OF REVENUE AND EXPENDITURES REPORT DATED SEPTEMBER 30, 2002. 4. APPROVAL OF THE SEPARATELY -ISSUED LA QUINTA REDEVELOPMENT AGENCY ANNUAL AUDITED FINANCIAL STATEMENTS FOR THE YEAR ENDED JUNE 30, 2002. 5. APPROVAL OF AMENDMENT NO. 1 TO THE EARLY ENTRY AGREEMENT WITH CALIFORNIA INTELLIGENT COMMUNITIES, LLC. Redevelopment Agency Agenda Page 2 November 19, 2002 0001 '1 Vill. BUSINESS SESSION 1. CONSIDERATION OF THE COMPREHENSIVE ANNUAL FINANCIAL REPORT FOR THE YEAR ENDED JUNE 30, 2002. A. MINUTE ORDER ACTION 2. CONSIDERATION OF ADOPTION OF A RESOLUTION APPROVING AN AFFORDABLE HOUSING AGREEMENT BY AND BETWEEN THE LA QUINTA REDEVELOPMENT AGENCY AND APARTMENTS AT LA QUINTA VILLAGE, L.P., FOR THE PROPERTY LOCATED ON THE EAST SIDE OF EISENHOWER DRIVE, NORTH OF CALLE TAMPICO, AND WEST OF AVENIDA BERMUDAS. A. RESOLUTION ACTION IX. CHAIR AND BOARD MEMBERS' ITEMS X. PUBLIC HEARINGS - NONE XI. ADJOURNMENT Adjourn to a regularly scheduled Meeting of the Redevelopment Agency to be held on December 3, 2002, commencing with closed session at 2:00 p.m. and open session at the conclusion of the 3:00 p.m. City Council business session in the City Council Chambers, 78-495 Calle Tampico, La Quinta, CA 92253. DECLARATION OF POSTING I, June S. Greek, Secretary of the La Quinta Redevelopment Agency, do hereby declare that the foregoing agenda for the La Quinta Redevelopment Agency meeting of Tuesday, November 19, 2002, was posted on the outside entry to the Council Chambers, 78-495 Calle Tampico and on the bulletin board at the La Quinta Chamber of Commerce, 78-371 Highway 1 1 1, and at Stater Bros., 78-630 Highway 1 1 1, on Friday, November 15, 2002. DATED: November 15, 2002 JUNE S. GREEK, CMC, Agency Secretary City of La Quinta, California PUBLIC NOTICES The La Quinta City Council Chamber is handicapped accessible. If special equipment is needed for the hearing impaired, please call the City Clerk's Office at 777-7025, 24-hours in advance of the meeting and accommodations will be made f Redevelopment Agency Agenda Page 3 November 19, 200P "' � 14Q�rw AGENDA CATEGORY: BUSINESS SESSION COUNCIL/RDA MEETING DATE: NOVEMBER 19, 2002 CONSENT CALENDAR ITEM TITLE: Demand Register Dated November 19, 2002 RECOMMENDATION: It is recommended the Redevelopment Agency Board: STUDY SESSION PUBLIC HEARING Receive and File the Demand Register Dated November 19, 2002 of whict $15,100.00 represents Redevelopment Agency Expenditures. PLEASE SEE CONSENT CALENDAR ITEM NUMBER 1 ON CITY COUNCIL AGENDA �` 004 OF T1 9 AGENDA CATEGORY: COUNCIL/RDA MEETING DATE: November 19, 2002 ITEM TITLE: Transmittal of Treasurer's Report dated September 30, 2002 RECOMMENDATION: It is recommended the Redevelopment Agency Board: Receive and file. BUSINESS SESSION: CONSENT CALENDAR: STUDY SESSION: PUBLIC HEARING: PLEASE SEE RELATED BUSINESS SESSION ITEM ON CITY COUNCIL AGENDA TWT 4 etP Q" AGENDA CATEGORY: BUSINESS SESSION: COUNCIL/RDA MEETING DATE: November 19, 2002 CONSENT CALENDAR: ITEM TITLE: STUDY SESSION: Transmittal of Revenue and Expenditure PUBLIC HEARING: Report dated September 30, 2002 RECOMMENDATION: Receive and File BACKGROUND AND OVERVIEW: Transmittal of the September 30, 2002 Statement of Revenue and Expenditures for the La Quinta Redevelopment Agency. Respectfully submitted, ohn M. Falconer; Finance Director A roved for submission C Thomas P. Genovese, Executive Director Attachments 1 : Revenue and Expenditures, September 30, 2002 LA QUINTA REDEVELOPMENT AGENCY 07/01/2002 - 09/3012002 REMAINING % EXPENDITURE SUMMARY BUDGET EXPENDITURES ENCUMBERED BUDGET EXPENDED PROJECT AREA NO. 1: DEBT SERVICE FUND: SERVICES 586,870.00 0.00 0.00 586,870.00 0.0% BOND PRINCIPAL 1,567,022.00 1,567,788.00 0.00 (766.00) 100.0% BONDINTEREST 6,991,075.00 3,278,260.92 0.00 3,712,814.08 46.9% INTEREST CITY ADVANCE 490,757.00 122,689.31 0.00 368,067.69 25.0 % PASS THROUGH PAYMENTS 8,418,042.00 0.00 0.00 8,418,042.00 0.0% TRANSFERS OUT 0.00 0.00 0.00 0.0% TOTAL DEBT SERVICE 18,053,766.00 4,968,738.23 0.00 13,085,027.77 27.5% CAPITAL IMPROVEMENT FUND: PERSONNEL 4,900.00 1,645.85 0.00 3,254.15 33.6% SERVICES 214,379.00 42,458.05 0.00 171,920.95 19.8% LAND ACQUISITION 0.00 0.00 0.00 0.00 0.0% ASSESSMENT DISTRICT 0.00 0.00 0.00 0.00 0.0% ECONOMIC DEVELOPMENT 569,382.00 65,973.15 0.00 503,408.85 11.6% BOND ISSUANCE COSTS 199,880.00 19,663.11 0.00 180,216.89 9.8% CAPITAL - BUILDING 0.00 0.00 0.00 0.00 0.0% REIMBURSEMENT TO GEN FUND 1,086,106.00 271,526.52 0,00 814,579.48 25.0% TRANSFERS OUT 9,315,509.77 499,439.92 0.00 8,816,069.85 5.4% TOTAL CAPITAL IMPROVEMENT 11,390,156.77 900,706.60 0.00 10,489,450.17 7.9% LOW/MODERATE TAX FUND: PERSONNEL 4,900.00 1,645.85 0.00 3,254.15 33.6% SERVICES 239,315.00 16,015.07 0.00 223,299.93 6.7 % BUILDING HORIZONS 210,000.00 80,000.00 0.00 130,000.00 38.1 % LQ RENTAL PROGRAM 829,000.00 104,044.19 0.00 724,955.81 12.6% LQ HOUSING PROGRAM 2,500,000.00 296,460.00 0.00 2,203,540.00 11.9% APARTMENT REHABILITATION 626,000.00 0.00 0.00 626,000.00 0.0% FORECLOSURE ACQUISITION 75,000.00 0.00 0.00 75,000.00 0.0 % REIMBURSEMENT TO GEN FUND 206,485.00 51,621.21 0.00 154,863.79 25.0 % TRANSFERS OUT 3,953,426.00 0.00 0.00 3,953,426.00 0.0% TOTAL LOW/MOD TAX 8,644,126.00 549,786.32 0.00 8,094,339.68 6.4% LOW/MODERATE BOND FUND PERSONNEL 0.00 0.00 0.00 0.0% SERVICES 0.00 0.00 0.00 0.0% REIMBURSEMENT TO GEN FUND 0,00 0.00 0.00 0.0% HOUSING PROJECTS 0.00 0.00 0.00 0.0% TRANSFERS OUT 0.00 0.00 0.00 0.00 0.0% TOTAL LOW/MOD BOND 0.00 0.00 0.00 0.00 0.0% 007 0V 0 LA QUINTA REDEVELOPMENT AGENCY REMAINING % REVENUE SUMMARY BUDGET RECEIVED BUDGET RECEIVED PROJECT AREA NO. 1: DEBT SERVICE FUND: Tax Increment 18,048,724.00 (95,456.15) 18,144,180.15 -0.530% Allocated Interest 19,671.11 (19,671.11) 0.000% Non Allocated Interest 6,553.18 (6,553.18) 0,000% Interst - County Loan 0.00 0.00 0.000% Interest Advance Proceeds 490,757.00 0.00 490,757.00 0.000% Transfers In 1,738,783.00 0.00 1,738,783.00 0.000% TOTAL DEBT SERVICE 20,278,264.00 (69,231.86) 20,347,495.86 -0.340% CAPITAL IMPROVEMENT FUND: Pooled Cash Allocated Interest 1,208.80 (1,208.80) 0.000% Non Allocated Interest 125,000.00 194,153.22 (69,153.22) 155.320% Litigation Settlement Revenue 0,00 0.00 0.000% Loan Proceeds 0.00 0.00 0.000% Rental Income 41,500.00 0.00 41,500.00 0.000% Transfers In 0.00 0.00 0.000% TOTAL CAPITAL IMPROVEMENT 166,500.00 195,362.02 (28,862.02) 117,330% LOW/MODERATE TAX FUND: Tax Increment 4,512,181.00 (23,864.03) 4,536,045.03 -0.530% Allocated Interest 200,000.00 7,522.16 192,477.84 3.760% Non Allocated Interest 0.00 0.00 0.000% Miscellaneous revenue 0.00 0.00 0.000% Non Allocated Interest 0.00 0.00 0.000% LQRP-Rent Revenue 341,000.00 95,043.00 245,957.00 27.870% Home Sales Proceeds 150,000.00 0.00 150,000.00 0.000% Sale of Land 0.00 0.00 0.000% Sewer Subsidy Reimbursements 20,873.35 (20,873.35) 0.000% Rehabilitation Loan Repayments 14,342.22 (14,342.22) 0.000% Transfer In 0.00 0.00 0.000% TOTAL LOW/MOD TAX 5,203,181.00 113,916.70 5,089,264.30 2.190% LOW/MODERATE BOND FUND: Allocated Interest 0.00 0.00 0.000% Home Sale Proceeds 0.00 0.00 0.000% Non Allocated Interest 6,516.26 (6,516.26) 0.000% Transfer In 0.00 0.00 0.000% TOTAL LOW/MOD BOND 0.00 6,516.26 (6,516.26) 0.000% 008 U61 LA QUINTA REDEVELOPMENT AGENCY REMAINING % REVENUE SUMMARY BUDGET RECEIVED BUDGET RECEIVED PROJECT AREA NO. 2: DEBT SERVICE FUND: Tax Increment 7.585,373.00 29.08 7,585,343.92 0.000% Allocated Interest 4,902.16 (4,902.16) 0.000% Non Allocated Interest 198.47 (198.47) 0.000% Interest Advance Proceeds 882,433.00 0.00 882,433.00 0.000% Transfer In 338,895.00 0.00 338,895.00 0.000% TOTAL DEBT SERVICE 8,806,701.00 5,129.71 8,801,571.29 0.060% CAPITAL IMPROVEMENT FUND: Allocated Interest 8,328.05 (8,328.05) 0.000% Non Allocated Interest 20,000.00 3.12 19,996.88 0.020% Developer Agreement 0.00 0.00 0.000% Transfers In 0.00 0.00 0.000% Proceeds from City Loan 1,100,000.00 0.00 1,100,000.00 0.000% TOTAL CAPITAL IMPROVEMENT 1,120,000.00 8,331.17 1,111,668.83 0.740% LOW/MODERATE TAX FUND: Tax Increment 1,896,343.00 (21,502.77) 1,917,845.77 -1.130% Developer Funding 0.00 0.00 0.000% Allocated Interest 20,700.00 14,397.22 6,302.78 69.550% Non Allocated Interest 0.00 0.00 0.000% Sale of Land 0.00 0.00 0.000% Transfer In 0.00 0.00 0.000% TOTAL LOW/MOD TAX 1,917,043.00 (7,105.55) 1,924,148.55 -0.370% LOW/MODERATE BOND FUND: Allocated Interest 0.00 0.00 0.000% Non Allocated Interest 1,534.49 (1,534.49) 0.000% Transfer In 0.00 0.00 0.000% TOTAL LOW/MOD BOND 0.00 1,534.49 (1,534.49) 0.000% LA QUINTA REDEVELOPMENT AGENCY 07/01/2002 - 09/30/2002 REMAINING % EXPENDITURE SUMMARY BUDGET EXPENDITURES ENCUMBERED BUDGET EXPENDED PROJECT AREA NO. 2: DEBT SERVICE FUND: SERVICES 161,020.00 3,050.00 0.00 157,970.00 1.9% BOND PRINCIPAL 172,978.00 248,496.40 0.00 (75,518.40) 143.7% BOND INTEREST 586,665.00 217,763.77 0.00 368,901.23 37.1 % INTEREST CITY ADVANCE 761,433.00 198,878.50 0.00 562,554.50 26.1 % PASS THROUGH PAYMENTS 6,440,423.00 0.00 0.00 6,440,423.00 0.0% TRANSFERS OUT 0.00 0.00 0.00 0.00 0.0% TOTAL DEBT SERVICE 8,122,519.00 668,188.67 0.00 7,454,330.33 8.2% CAPITAL IMPROVEMENT FUND: PERSONNEL 2,900.00 995.85 0.00 1,904.15 34.3% SERVICES 158,774.00 14,346.42 0.00 144,427.58 9.0% ECONOMIC DEVELOPMENT ACTIVITY 126,725.00 15,400.00 0.00 111,325.00 12.2% REIMBURSEMENT TO GEN FUND 34,111.00 8,527.80 0.00 25,583.20 25.0% TRANSFERS OUT (128,433.14) (177,054.00) 0.00 48,620.86 137.9% TOTAL CAPITAL IMPROVEMENT 194,076.86 (137,783.93) 0.00 331,860.79 -71.0 % LOW/MODERATE TAX FUND: PERSONNEL 2,900.00 995.85 0.00 1,904.15 34.3% SERVICES 197,049.00 16,310.81 0.00 180,738.19 8.3% SEWER SUBSIDIES 0.00 0.00 0.00 0.0% LQ RENTAL PROGRAM 500,000.00 34,040.00 0.00 465,960.00 6.8% ADAMS 48TH PLANNING 50,000.00 0.00 0.00 50,000.00 0.0% LOW MOD HOUSING PROJECTS 1,598,000.00 0.00 0.00 1,598,000.00 0.0% FORECLOSURE ACQUISITION 15,000.00 0.00 0.00 15,000.00 0.0% REIMBURSEMENT TO GEN FUND 71,298.00 17,824.47 0.00 53,473.53 25.0 % TRANSFERS OUT 2,623,586.69 89,329.89 0.00 2,534,256.80 3.4% TOTAL LOW/MOD TAX 5,057,833.69 158,501.02 0.00 4,899,332.67 3.1 LOWIMODERATE BOND FUND PERSONNEL 0.00 0.00 0.00 0.0% SERVICES 0.00 0.00 0.00 0.0% REIMBURSEMENT TO GEN FUND 0.00 0.00 0.00 0.0% TRANSFERS OUT 2,358,964.46 0.00 0.00 2,358,964.46 0.0% TOTAL LOW/MOD BOND 2,358,964.46 0.00 0.00 2,358,964.46 0.0% 0.10 V kJ U GF�r OF AGENDA CATEGORY: COUNCIL/RDA MEETING DATE: November 19, 2002 ITEM TITLE: Approval of the Separated Issued La Quinta Redevelopment Agency Annual Audited Financial Statements for the Year Ended June 30, 2002 BUSINESS SESSION: CONSENT CALENDAR: STUDY SESSION: PUBLIC HEARING: RECOMMENDATION: Approve, receive and file the Annual Audited Financial Statement for the year ended June 30, 2002 (Attachment 1). FISCAL IMPLICATIONS: None. BACKGROUND AND OVERVIEW: At the end of every fiscal year, the Redevelopment Agency prepares an audited financial report. FINDINGS AND ALTERNATIVES: The alternatives available to the Redevelopment Agency Board include: 1 . Approve, receive and file the Annual Audited Financial Statement for the year ended June 30, 2002; or 2. Do not approve, receive and file the Annual Audited Financial Statement for the year ended June 30, 2002; or 3. Provide staff with alternative direction. 1 011 Respectfully submitted, Join M ralconerjinance Director Approved for submission by: Thomas P. Genovese, City Manager Attachment: 1 . Annual Audited Financial Statement for the year ended June 30, 2002 LA QUINTA REDEVELOPMENT AGENCY Financial Statements and Supplemental Data Year ended June 30, 2002 (with Independent Auditors' Report Thereon) oll U�J LA QUINTA REDEVELOPMENT AGENCY Low/Moderate Bond Fund - PA No. 2 Schedule of Revenues, Expenditures, and Changes in Fund Balances - Budget and Actual Year ended June 30, 2002 Variance with Prior Budget Final Budget Year Original Final Actual Positive (negative) Actual Revenues: Investment income $ - - 16,964 Total revenues - - 16,964 Other financing sources (uses): Transfers to the City of La Quint - (2,582,881) (223,917) Total other financing sources (uses) - (2,582,881) (223,917) Excess (deficiency) of revenues and other financing sources over (under) expenditures and other financing uses - (2,582,881) (206,953) Fund balances at beginning of year 2,582,881 2,582,881 2,582,881 Fund balances at end of year $ 2,582,881 - 2,375,928 16,964 16,964 2,358,964 2,358,964 2,375,928 2,375,928 74,163 74,163 74,163 2,508,718 2,582,881 014 43 LA QUINTA REDEVELOPMENT AGENCY Financial Statements and Supplemental Data Year ended June 30, 2002 TABLE OF CONTENTS Page Independent Auditors' Report 1 Basic Financial Statements: Government -wide Financial Statements: Statement of Net Assets 2 Statement of Activities 3 Fund Financial Statements: Governmental Funds: Balance Sheet 4 Reconciliation of the Balance Sheets of Governmental Funds to the Statement of Net Assets 6 Statement of Revenues, Expenditures and Changes in Fund Balances 7 Reconciliation of the Statement of Revenues, Expenditures and Changes in Fund Balances of Governmental Funds to the Statement of Activities 10 Notes to the Basic Financial Statements 11 Required Supplementary Information: Notes to Required Supplementary Information 39 Schedule of Revenues, Expenditures, and Changes in Fund Balances — Budget and Actual: Low/Moderate Income Housing Fund — PA No. 1 40 Low/Moderate Income Housing Fund — PA No. 2 41 Low/Moderate Bond Fund — PA No.1 42 Low/Moderate Bond Fund — PA No. 2 43 Report on Compliance and on Internal Control Over Financial Reporting Based on an Audit of Financial Statements Performed in Accordance with Government Auditing Standards 44 015 0 U 7 (This page intentionally left blank) 0 1 R CONRADAND ASSOCIATES, L.L.P. Board of Directors La Quinta Redevelopment Agency La Quinta, California CERTIFIED PUBLIC ACCOUNTANTS INDEPENDENT AUDITORS' REPORT 1100 MAIN STREET, SUITE C IRVINE, CALIFORNIA 92614 (949) 474-2020 Fax (949) 263-5520 We have audited the accompanying basic financial statements of the La Quinta Redevelopment Agency, a component unit of the City of La Quinta, California as of and for the year ended June 30, 2002, as listed in the table of contents. These basic financial statements are the responsibility of the management of the La Quinta Redevelopment Agency. Our responsibility is to express an opinion on these basic financial statements based on our audit. We conducted our audit in accordance with auditing standards generally accepted in the United States of America and Government Auditing Standards issued by the Comptroller General of the United States. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the basic financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the basic financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe our audit provides a reasonable basis for our opinion. In our opinion, the basic financial statements referred to above present fairly, in all material respects, the financial position of the La Quinta Redevelopment Agency at June 30, 2002, and the results of its operations for the year then ended, in conformity with accounting principles generally accepted in the United States of America. The La Quinta Redevelopment Agency has not presented Management's Discussion and Analysis that the Governmental Accounting Standards Board has determined is necessary to supplement, although not required to be part of, the basic financial statements. The information identified in the accompanying table of contents as required supplementary information is not a required part of the basic financial statements but is supplementary information required by the Governmental Accounting Standards Board. We have applied certain limited procedures, which consisted principally of inquiries of management regarding the methods of measurement and presentation of the supplementary information. However, we did not audit the information and express no opinion on it. In accordance with Government Auditing Standards, we have also issued a report dated August 16, 2002 on our consideration of the Agency's internal control over financial reporting and on our tests of its compliance with certain provisions of laws, regulations, contracts and grants. Ca�A-P7 jAse L.L .sue 017 August 16, 2002 v t g MEMBERS OF AICPA AND CALIFORNIA SOCIETY OF CERTIFIED PUBLIC ACCOUNTANTS MEMBER OF AMERICAN INSTITUTE OF CERTIFIED PUBLIC ACCOUNTANTS PRIVATE COMPANIES PRACTICE SECTION LA QUINTA REDEVELOPMENT AGENCY Statement of Net Assets June 30, 2002 Governmental Activities 2002 2001 Assets: Cash and investments (note 2) $ 21,358,275 18,662,739 Accounts receivable 166,984 149,199 Prepaid items - 3,515 Interest receivable - 833 Notes receivable (note 3) 12,509,966 8,861,382 Due from the City of La Quinta 2,294,106 - Due from other governments 693,210 260,388 Advances from the City of La Quinta 1,249,728 - Restricted assets: Cash and investments with fiscal agent (note 2) 39,447,831 9,714,808 Capital assets (note 6): Land 51,450,306 9,065,319 Other capital assets, net 644,000 704,000 Total assets 129,814,406 47,422,183 Liabilities: Accounts payable 188,307 55,226 Accrued salaries and benefits - 16,469 Interest payable 2,222,309 1,376,631 Deposits payable 15,788 14,283 Due to the City of La Quinta 2,805,860 767,170 Due to other governments - 730,884 Noncurrent liabilities (notes 8 to 13): Due within one year 2,537,918 11,074,078 Due in more than one year 167,496,980 84,381,709 Total liabilities 175,267,162 98,416,450 Net assets: Invested in capital assets, net of related debt 1,182,033 - Restricted for: Low moderate housing 20,617,434 18,287,655 Capital projects 39,769,632 16,510,117 Unrestricted (107,021,855) (85,792,039) Total net assets $ (45,452,756) (50,994,267) See accompanying notes to the basic financial statements. 018 2 Governmental activities: Planning and development Low and moderate housing Interest expense Total governmental activities LA QUINTA REDEVELOPMENT AGENCY Statement of Activities Year ended June 30, 2002 Program Revenues Operating Capital Charges for Contributions Contributions Expenses Services and Grants and Grants Governmental Activities 2002 2001 $ 5,968,560 - - 996,861 (4,971,699) (4,969,455) 5,633,451 - - 3,548,584 (2,084,867) 612,856 7,387,676 - - - (7,387,676) (5,432,682) $ 18,989,687 - - 4,545,445 (14,444,242) (9,789,281) General revenues: Taxes: Property taxes 18,899,329 15,324,183 Investment income 761,259 1,195,109 Rental income ' 321,145 388,121 Gain (loss) on sale of capital assets (21,397) 318,461 Miscellaneous revenues 25,417 25,096 Total general revenues 19,985,753 17,250,970 Change in net assets 5,541,511 7,461,689 Net assets (deficit) at beginning of year (50,994,267) (58,455,956) Net assets (deficit) at end of year $ (45,452,756) (50,994,267) See accompanying notes to the basic financial statements. 3 LA QUINTA REDEVELOPMENT AGENCY Governmental Funds - Balance Sheet June 30, 2002 Assets Cash and investments Cash and investments with fiscal agent Accounts receivable Prepaid items Interest receivable Notes receivable Due from other funds (note 4) Due from the City of La Quinta Due from other governments Advances to other funds (note 5) Advances to the City of La Quinta Total assets Liabilities and Fund Balances Liabilities: Accounts payable Accrued salaries and benefits Deferred revenue Deposits payable Due to other funds (note 4) Due to the City of La Quinta Due to other governments Advances from other funds (note 5) Advances from the City of La Quinta (notes 8 and 13) Total liabilities Fund balances: Reserved for: Bond projects Debt service Prepaid items Notes receivable Advances to other funds Advances to the City of La Quinta Unreserved, reported in: Special Revenue Funds Low/Moderate Low/Moderate Low/Moderate Low/Moderate Income Housing - Income Housing - Bond - Bond - PA No. 1 PA No. 2 PA No. 1 PA No. 2 $ 3,278,978 4,633,313 - 342,643 - - 213,022 2,030,747 106,084 - - - 3,009,966 10,205,840 - - - - - 2,538 72,504 66,138 - - - 39,135 - - $ 6,467,532 14,944,426 213,022 2,375,928 $ 34,496 26,805 - - 873,855 10,205,840 - - 15,788 - - - 5,907 5,688 150,348 - 930,046 10,238,333 150,348 2,136,111 - - - - 39,135 - - Special revenue funds 3,401,375 4,666,958 Debt service funds - - Capital projects funds - - Total fund balances 5,537,486 4,706,093 Total liabilities and fund balances $ 6,467,532 14,944,426 See accompanying notes to the basic financial statements. 4 62,674 2,375,928 62,674 2,375,928 213,022 2,375,928 n GOP) l� U ��. Debt Service Funds Capital Projects Funds Redevelopment Redevelopment Redevelopment Redevelopment Agency - Agency - Agency - Agency - Totals PA No. 1 PA No. 2 PA No. 1 PA No. 2 2002 2001 9,584,722 1,768,561 - 1,750,058 21,358,275 18,662,739 115,367 290,015 9,990,104 97,068 4,907,565 5,004,633 264,553 2,033,114 2,538 39,135 7,614,325 7,655,998 37,087,727 2,176,682 1,249,728 40,514,137 20,452 2,642,491 2,662,943 - - 37,087,727 4,985,471 - - 1,249,728 (5,622,884) - - - (486,261) 4,985,471 (5,622,884) 37,851,194 9,990,104 2,033,114 40,514,137 968 391,447,831 9,714,808 60,900 166,984 149,199 - - 3,515 - - 833 - 13,215,806 13,488,554 - 2,538 100,000 117,424 2,294,106 - - 693,210 260,388 - 39,135 551,038 - 1,249,728 - 1,929,350 78,467,613 42,931,074 9,486 188,307 55,226 - - 16,469 - 11,079,695 11,378,904 - 15,788 14,283 - 2,538 100,000 1,426 2,805,860 767,170 - - 730,884 - 39,135 551,038 - 12,521,890 - 10,912 26,653,213 13,613,974 968 37,088,695 9,512,701 - 4,985,471 4,583,507 - - 3,515 - 2,136,111 2,109,650 - 39,135 551,038 - 1,249,728 - - 10,506,935 6,271,969 - (5,622,884) - 1,917,470 1,431,209 6,284,720 1,918,438 51,814,400 29,317,100 1,929,350 78,467,613 42,931,074 021. 5 Ui� LA QUINTA REDEVELOPMENT AGENCY Governmental Funds Reconcilation of the Balance Sheet of Governmental Funds to the Statement of Net Assets June 30, 2002 Fund balances of governmental funds $ 51,814,400 Amounts reported for governmental activities in the statement of net assets are different because: Capital assets, net of depreciation, have not been included as financial resouces in governmental fund activity. 52,094,306 Long term debt from the General Long Term Debt Account Group that have not been included in the governmental fund activity. (157,513,008) Accrued interest payable for the current portion of interest due on Long term debt has not been reported in the governmental funds. (2,222,309) Revenues that are measurable but not available. Amounts are recorded as deferred revenue under the modified accrual basis of accounting. 10,373,855 Net assets of governmental activities $ (45,452,756) See accompanying notes to the basic financial statements. O 6 t (This page intentionally left blank) ��5 LA QUINTA REDEVELOPMENT AGENCY Governmental Funds Statement of Revenues, Expenditures and Changes in Fund Balances Year ended June 30, 2002 Special Revenue Funds Low/Moderate Low/Moderate Low/Moderate Low/Moderate Income Housing - Income Housing - Bond - Bond - PA No. 1 PA No. 2 PA No. 1 PA No. 2 Revenues: Taxes $ 4,488,497 2,025,212 - - Developer fees 48,584 - - - Investment income 266,303 115,748 62,674 16,964 Rental income 321,145 - - - Miscellaneous revenues 25,417 - - - Total revenues 5,149,936 2,140,960 62,674 16,964 Expenditures: Current: Planning and development 3,729,333 682,703 - - Capital outlay - - - - Debt service: Principal - - - - Interest - - - - Payments under pass -through obligations - - - - Total expenditures 3,729,333 682,703 - - Excess (deficiency) of revenues over (under) expenditures 1,420,603 1,458,257 62,674 16,964 Other financing sources (uses): Proceeds of tax allocation bonds - - - - Proceeds of advances from City - - - - Sale of capital assets 146,603 - - - Transfers in (note 15) - - - - Transfers out (note 15) (1,737,006) (338,442) - - Transfers to the City of La Quinta - (164,568) (832,930) (223,917) Total other financing sources (uses) (1,590,403) (503,010) (832,930) (223,917) Excess (deficiency) of revenues and other financing sources over (under) expenditures and other financing uses (169,800) 955,247 (770,256) (206,953) Fund balances (deficit) at beginning of year, as restated (note 16) 5,707,286 3,750,846 832,930 2,582,881 Fund balances (deficit) at end of year $ 5,537,486 4,706,093 62,674 2,375,928 0�4 See accompanying notes to the basic financial statements. 616 8 Debt Service Funds Capital Projects Funds Redevelopment Redevelopment Redevelopment Redevelopment Agency - Agency - Agency - Agency - PA No. 1 PA No. 2 PA No. 1 PA No. 2 Totals 2002 2001 17,953,949 8,100,847 - - 32,568,495 26,273,564 - - - - 48,584 50,848 344,259 28,769 728,658 72,622 1,635,997 1,518,648 - - - - 321,145 388,121 - - - - 25,417 25,096 18,298,208 8,129,616 728,658 72,622 34,599,638 28,256,277 285,551 123,147 4,892,719 227,402 9,940,855 5,545,313 - - - - - 46,040 10,126,122 947,956 - - 11,074,078 3,505,075 5,255,819 1,286,179 - - 6,541,998 5,458,291 8,194,449 5,474,717 - - 13,669,166 10,949,381 23,861,941 7,831,999 4,892,719 227,402 41,226,097 25,504,100 (5,563,733) 297,617 (4,164,061) (154,780) (6,626,459) 2,752,177 - - 88,000,000 - 88,000,000 - - - - - - 1,034,867 - - - - 146,603 406,461 11,090,291 338,442 - - 11,428,733 7,196,643 - - (9,353,285) - (11,428,733) (7,196,643) - - (44,936,017) (1,481,875) (47,639,307) (5,277,463) 11,090,291 338,442 33,710,698 (1,481,875) 40,507,296 (3,836,135) 5,526,558 636,059 29,546,637 (1,636,655) 33,880,837 (1,083,958) (541,087) (6,258,943) 8,304,557 3,555,093 17,933,563 30,401,058 4,985,471 (5,622,884) 37,851,194 1,918,438 51,814,400 29,317, Qr}C .l 1 9 LA QUINTA REDEVELOPMENT AGENCY Reconcilation of the Statement of Revenues, Expenditures, and Changes in Fund Balances of Governmental Funds to the Statement of Activities Year ended June 30, 2002 Net changes in fund balances - total governmental funds Amounts reported for governmental activities in the statement of activities is different because: Governmental funds report capital outlay as expenditures. However, in the statement of activities, th cost of those assets is allocated over their estimated useful lives as depreciation expense. This is the amount by which capital outlays exceeded depreciation in the current period. Governmental funds report gross proceeds from property sales . In the statement of activities, proceeds are netted against book value. Proceeds of long term debt is recorded as an other financing source in governmental funds. In the statement of activities, new debt increases liabilities Repayment of bond principal is an expenditure in the governmental funds, but the repayment reduces long-term liabilities in the statement of net assets Bond issuance costs are recorded as an expenditure in the governmental funds while full accrual requires the amortization of these costs over the life the debt. The statement of net assets includes accrued interest on long term debt. Revenues that are measurable but not available. Amounts are not recorded as revenues under the modified accrual basis of accounting. Changes in net assets of governmental activities See accompanying notes to the basic financial statements. $ 33,880,837 42,492,987 (168,000) (88,000,000) 11,074,078 3,485,164 (845,678) 3,622,123 $ 5,541,511 0 ? A 10 LA QUINTA REDEVELOPMENT AGENCY Notes to the Basic Financial Statements Year ended June 30, 2002 (1) Summary of Significant Accounting Policies The following is a summary of the significant accounting policies of the La Quinta Redevelopment Agency: (a) Organization and Tax Increment Financing Redevelopment Goals and Objectives The general objective of the Redevelopment Plan adopted by the Agency is to encourage investment in the Redevelopment Project Areas by the private sector. The Redevelopment Plan provides for the demolition of buildings and improvements, the relocation of any displaced occupants, and the construction of streets, parking facilities, utilities and other public improvements. The Redevelopment Plan also includes the ability to redevelop land by private enterprise or public agencies, the rehabilitation of structures, the rehabilitation or construction of single family and low and moderate income housing, and participation by owners and tenants of properties in the Redevelopment Project. Redevelopment Project Areas The Agency has established two redevelopment project areas. On November 29, 1983 the City Council approved and adopted the Redevelopment Plan for the La Quinta Redevelopment Project Area No. 1. On May 16, 1989 the City Council approved and adopted the Redevelopment Plan for the La Quinta Redevelopment Project Area No. 2. These plans provide for the elimination of blight and deterioration that was found to exist in the project areas. Tax Increment Financing The Law provides a means for financing redevelopment projects based upon an allocation of taxes collected within a redevelopment project. The assessed valuation of a redevelopment project last equalized prior to adoption of a redevelopment plan or amendment to such redevelopment plan, or "base roll", is established and, except for any period during which the assessed valuation drops below the base year level, the taxing bodies, thereafter, receive the taxes produced by the levy of the current tax rate upon the base roll. Taxes collected upon any increase in assessed valuation over the base roll ("tax increment") are paid and may be pledged by a redevelopment agency to the repayment of any indebtedness incurred in financing or refinancing a redevelopment project. Redevelopment agencies themselves have no authority to levy property taxes. 11 0?7 i� l LA QUINTA REDEVELOPMENT AGENCY Notes to the Basic Financial Statements (Continued) (1) Summary of Significant Accounting Policies, (Continued) (b) Basis of Accounting and Measurement Focus The basic financial statements of the Agency are composed of the following: • Government -wide financial statements • Fund financial statements • Notes to the financial statements Government -wide Financial Statements Government -wide financial statements display information about the reporting government as a whole, except for its fiduciary activities. These statements include separate columns for the governmental and business -type activities of the primary government (including its blended component units), as well as its discreetly presented component units. The La Quinta Redevelopment Agency has no business -type activities or discretely presented component units. Eliminations have been made in the Statement of Activities so that certain allocated expenses are recorded only once (by the function to which they were allocated). However, general government expenses have not been allocated as indirect expenses to the various functions of the Agency. The accompanying government -wide financial statements for the Agency present negative net assets because the primary activity of the Agency is to issue debt to construct infrastructure that will be owned and maintained by the City. Government -wide financial statements are presented using the economic resources measurement focus and the accrual basis of accounting. Under the economic resources measurement focus, all (both current and long-term) economic resources and obligations of the reporting government are reported in the government -wide financial statements. Basis of accounting refers to when revenues and expenditures are recognized in the accounts and reported in the financial statements. Under the accrual basis of accounting, revenues, expenses, gains, losses, assets, and liabilities resulting from exchange and exchange -like transactions are recognized when the exchange takes place. Revenues, expenses, gains, losses, assets, and liabilities resulting from nonexchange transaction are recognized in accordance with the requirements of GASB Statement No. 33. o?g LA QUINTA REDEVELOPMENT AGENCY Notes to the Basic Financial Statements (Continued) (1) Summary of Significant Accounting Policies, (Continued) Program revenues include charges for service and payments made by parties outside of the reporting government's citizenry if that money is restricted to a particular program. Program revenues are netted with program expenses in the statement of activities to present the net cost of each program. Amounts paid to acquire capital assets are capitalized as assets in the government -wide financial statements, rather than reported as an expenditure. Proceeds of long-term debt are recorded as a liability in the government -wide financial statements, rather than as an other financing source. Amounts paid to reduce long-term indebtedness of the reporting government are reported as a reduction of the related liability, rather than as an expenditure. Fund Financial Statements The underlying accounting system of the Agency is organized and operated on the basis of separate funds, each of which is considered to be a separate accounting entity. The operations of each fund are accounted for with a separate set of self -balancing accounts that comprise its assets, liabilities, fund equity, revenues and expenditures or expenses, as appropriate. Governmental resources are allocated to and accounted for in individual funds based upon the purposes for which they are to be spent and the means by which spending activities are controlled. Fund financial statements for the primary government's governmental, proprietary, and fiduciary funds are presented after the government -wide financial statements. These statements display information about major funds individually and nonmajor funds in the aggregate for governmental and enterprise funds. Fiduciary statements include financial information for fiduciary funds and similar component units. Fiduciary funds primarily represent assets held by the Agency in a custodial capacity for other individuals or organizations. The Agency has no nonmajor funds, enterprise funds, or fiduciary funds. Governmental Funds In the fund financial statements, governmental funds and agency funds are presented using the modified -accrual basis of accounting. Their revenues are recognized when they become measurable and available as net current assets. Measurable means that the amounts can be estimated, or otherwise determined. Available means that the amounts were collected during the reporting period or soon enough thereafter to be available to finance the expenditures accrued for the reporting period. The Agency uses a sixty day availability period. tr 13 ! �_ i LA QUINTA REDEVELOPMENT AGENCY Notes to the Basic Financial Statements (Continued) (1) Summary of Significant Accounting Policies, (Continued) Revenue recognition is subject to the measurable and availability criteria for the governmental funds in the fund financial statements. Exchange transactions are recognized as revenues in the period in which they are earned (i.e., the related goods or services are provided). Locally imposed derived tax revenues are recognized as revenues in the period in which the underlying exchange transaction upon which they are based takes place. Imposed non -exchange transactions are recognized as revenues in the period for which they were imposed. If the period of use is not specified, they are recognized as revenues when an enforceable legal claim to the revenues arises or when they are received, whichever occurs first. Government -mandated and voluntary non -exchange transactions are recognized as revenues when all applicable eligibility requirements have been met. In the fund financial statements, governmental funds are presented using the current financial resources measurement focus. This means that only current assets and current liabilities are generally included on their balance sheets. The reported fund balance (net current assets) is considered to be a measure of "available spendable resources." Governmental fund operating statements present increases (revenues and other financing sources) and decreases (expenditures and other financing uses) in net current assets. Accordingly, they are said to present a summary of sources and uses of "available spendable resources" during a period. Non -current portions of long-term receivables due to governmental funds are reported on their balance sheets in spite of their spending measurement focus. Special reporting treatments are used to indicate, however, that they should not be considered "available spendable resources," since they do not represent net current assets. Recognition of governmental fund type revenues represented by noncurrent receivables are deferred until they become current receivables. Noncurrent portions of other long-term receivables are offset by fund balance reserve accounts. Because of their spending measurement focus, expenditure recognition for governmental fund types excludes amounts represented by noncurrent liabilities. Since they do not affect net current assets, such long-term amounts are not recognized as governmental fund type expenditures or fund liabilities. Amounts expended to acquire capital assets are recorded as expenditures in the year that resources were expended, rather than as fund assets. The proceeds of long-term debt are recorded as an other financing sources rather than as a fund liability. Amounts paid to reduce long-term indebtedness are reported as fund expenditures. When both restricted and unrestricted resources are combined in a fund, expenses are considered to be paid first from restricted resources, and then from unrestricted resources. 14 010 6 � ka LA QUINTA REDEVELOPMENT AGENCY Notes to the Basic Financial Statements (Continued) (1) Summary of Significant Accounting Policies, (Continued) (c) Activities in Major Funds The following funds are presented as major funds in the accompanying basic financial statements: Special Revenue, Low and Moderate Income Housing P.A. No. 1 and No. 2 Funds — To account for the required 20% set aside of property tax increments that is legally restricted for increasing or improving housing for low and moderate income households. Special Revenue, Low and Moderate Bond Fund P.A. No. 1 and No. 2 Funds — To account for bond proceeds and expenditures of bond -financed low and moderate income housing programs. Debt Service Funds, P.A. No. 1 and No. 2 — To account for the accumulation of resources for the payment of debt service for bond principal, interest and trustee fees. Capital Projects Funds, P.A. No. 1 and No. 2 — To account for the bond proceeds, interest and other funding that will be used for development, planning, construction and land acquisition. "Total fund balances" of the Agency's governmental funds of $51,814,400 differs from "net assets" of governmental activities of $(45,452,756) reported on the Statement of Net Assets. The difference primarily results from the long-term economic focus of the Statement of Net Assets versus the current financial resources focus of the governmental funds balance sheets. Reclassifications and Eliminations Interfund balances must generally be eliminated in the government -wide statements. Due to/from other funds $ 2,538 Advances from/to other funds 39,135 Total reclassifications and eliminations 41 673 15 LA QUINTA REDEVELOPMENT AGENCY Notes to the Basic Financial Statements (Continued) (1) Summary of Significant Accounting Policies, (Continued) (d) Explanation of Differences between Governmental Funds Balance Sheet and the Statement of Net Assets Total Governmental Capital Accumulated Funds Assets Depreciation Assets: Cash and investments $ 21,358,275 - - Cash with fiscal agent 39,447,831 - - Accounts receivable 166,984 - - Notes receivable 13,215,806 - - Due from other funds 2,538 - - Due from the City of La Quinta 2,294,106 - - Due from other governments 693,210 - - Advances to other funds 3 9,13 5 - - Advances to the City of La Quinta 1,249,728 - - Land - 51,450,306 - Buildings, net - 840,000 (196,000) Total assets $ 78,467,613 52,290,306 (196,000) Liabilities: Accounts payable $ 188,307 - - Interest payable - - - Deferred revenue 11,079,695 - - Deposits payable 15,788 - - Due to other funds 2,538 - - Due to the City of La Quinta 2,805,860 - - Advances from other funds 39,135 - - Advances from the City of La Quinta 12,521,890 - - Long term liabilities - - - Total liabilities 26,653,213 - - Fund balances/net assets 51,814,400 52,290,306 (196,000) Total liabilities and fund balances/net assets $ 78,467,613 52,290,306 (196,000) 16� Long-term Certain Reclassifications Statement of Debt Interest Deferred and Net Assets Transactions Payable Revenue Eliminations Totals 21,358,275 3 9,447, 831 166,984 (705,840) - 12,509,966 _ - - (2,538) - 2,294,106 693,210 (39,135) - 1,249,728 51,450,306 _ - 644,000 (705,840) (41,673) 129,814,406 - - - 188,307 2,222,309 - - 2,222,309 - (11,079,695) - - - 15,788 (2,538) - - 2,805,860 (39,135) - 12,521,890 157,513,008 - - - 157,513,008 157,513,008 2,222,309 (11,079,695) (41,673) 175,267,162 (157,513,008) (2,222,309) 10,373,855 - (45,452,756) 705,840 (41,673) 129,814,406 0 ') LA QUINTA REDEVELOPMENT AGENCY Notes to the Basic Financial Statements (Continued) (1) Summary of Significant Accounting Policies, (Continued) The "net change in fund balances" for governmental funds of $33,880,837 differs from the "change in net assets" for governmental activities of $5,541,511 reported on the Statement of Activities. The difference primarily results from the long term economic focus of the Statement of Activities versus the current financial resources focus of the governmental funds balance sheets. Reclassifications and Eliminations Interfund balances must generally be eliminated in the government -wide statements. Transfers to/from other funds $ 11,428,733 Reclassification of pass -through payments 13,669,166 Total reclassifications and eliminations $ 25,097,899 0'?4 18 u�6 (This page intentionally left blank.) 19 0 ;0- 7 LA QUI TA REDEVELOPMENT AGENCY Notes to the Basic Financial Statements (Continued) (1) Summary of Significant Accounting Policies, (Continued) (e) Explanation of Differences between Governmental Funds Operating Statements and the Statement of Activities Revenues: Taxes Developer fees Investment income Rental income Miscellaneous revenues Total revenues Expenditures: Current: Planning and development Debt service: Principal Interest Payments under pass -through obligations Total expenditures Other financing sources (uses): Proceeds of tax allocation bonds Sale of capital assets Transfers in Transfers out Transfers to the City of La Quinta Total other financing sources (uses) Net change in fund balances/net assets Fund balances/net assets, beginning of year Fund balances/net assets, end of year Total Governmental Capital Accumulated Funds Assets Depreciation $ 32,568,495 - - 48,584 - - 1,635,997 - - 321,145 - - 25,417 - - 34,599,638 - - 9,940,855 - 28,000 11,074,078 - - 6,541,998 - - 13,669,166 - - 41,226,097 - 28,000 88,000,000 - - 146,603 (176,000) 8,000 11,428,733 - - (11,428,733) - - (47,639,307) 42,520,987 - 40,507,296 42,344,987 8,000 33,880,837 42,344,987 (20,000) 17,933,563 9,945,319 176,000 $ 51,814,400 52,290,306 196,000 O *� 20 Long-term Certain Reclassifications Statement Debt Interest Deferred and of Activities Transactions Payable Revenue Eliminations Totals - - - (13,669,166) 18,899,329 - - 3,500,000 - 3,548,584 - - 122,123 - 1,758,120 (3,485,164) - (11,074,078) - 845,678 (14,559,242) 845,678 (88,000,000) - 321,145 25,417 3,622,123 (13,669,166) 24,552,595 6,483,691 7,3 87,676 (13,669,166) - - (13,669,166) 13,871,367 (88,000,000) - - (73,440,758) (845,678) 3,622,123 (84,072,250) 1,376,631 6,751,732 (157,513,008) 2,222,309 10,373,855 21 (21,397) (11,428,733) 11,428,733 - - (5,118,320) (5,139,717) 5,541,511 (50,994,267) (45,452,756) 7 w. LA QUINTA REDEVELOPMENT AGENCY Notes to the Basic Financial Statements (Continued) (1) Summary of Significant Accounting Policies, (Continued) (f) Cash and Investments For financial reporting purposes, investments are adjusted to their fair value whenever the difference between fair value and the carrying amount is material. Changes in fair value that occur during a fiscal year are recognized as investment income reported for that fiscal year. Investment income includes interest earnings, changes in fair value, and any gains or losses realized upon the liquidation or sale of investments. (g) Capital Assets Capital assets (including infrastructure) are recorded at cost where historical records are available and at an estimated historical cost where no historical records exist. Contributed fixed assets are valued at their estimated fair market value at the date of the contribution. Generally, fixed asset purchases in excess of $500 are capitalized if they have an expected useful life of three years or more. Buildings are depreciated over a useful life of thirty years. Capital assets include public domain (infrastructure) general fixed assets consisting of certain improvements including roads, streets, sidewalks, medians, and storm drains. (2) Cash and Investments Cash and investments held by the Agency at June 30, 2002 consisted of the following: Equity in State of California Local Agency Investment Fund $ 6,267,584 Equity in City cash and investment pool 15,090,691 Total cash and investments held by the Agency $21,358,275 Cash and investments held by fiscal agent at June 30, 2002 consisted of the following: Mutual funds - First American Treasury Obligations $39,447,831 Total cash and investments held by fiscal agent $39,447,831 The Agency is authorized by the City's investment policy to invest in the following types of investments: 22 LA QUINTA REDEVELOPMENT AGENCY Notes to the Basic Financial Statements (Continued) (2) Cash and Investments, (Continued) Investment Type Government Pools U.S. government and agency securities Commercial Paper Mutual Funds Certificates of Deposit Restriction $30 million and 20% of portfolio 100% of portfolio $2 million per ,issuer, and 90 days 20% 60% All investments have a maximum maturity of two years. Investments of cities in securities are classified in three categories to give an indication of the level of custodial risk assumed by the entity. Category 1 - includes investments that are insured or registered or for which the securities are held by the Agency or the Agency's custodial agent (which must be a different institution other than the party through which the Agency purchased the securities) in the Agency's name. Investments held "in the Agency's name" include securities held in a separate custodial or fiduciary account and identified as owned by the Agency in the custodian's internal accounting records. Category 2 - includes uninsured and unregistered investments for which the securities are held in the Agency's name by the dealer's agent (or by the trust department of the dealer if the dealer was a financial institution and another department of the institution purchased the securities for the Agency.) Category 3 - includes uninsured and unregistered investments for which the securities are held by the dealer's trust department or agent, but not in the Agency's name. Category 3 also includes all securities held by the broker -dealer agent of the Agency (the party that purchased the securities for the Agency) regardless of whether or not the securities are being held in the Agency's name. 23 6 ." 1 LA QUINTA REDEVELOPMENT AGENCY Notes to the Basic Financial Statements (Continued) (2) Cash and Investments, (Continued) Carrying Category Amount 1 2 3 Investments subject to categorization $ - - - Investments held by the City not subject to categorization: Investment in State of California Local Agency Investment Fund 6,267,584 Equity in City cash and investment pool 15,090,691 Investments held by fiscal agent not subject to categorization: Investment in mutual funds: First American Treasury Obligation Fund 39,447,831 60,806,106 The Agency is a voluntary participant in the Local Agency Investment Fund (LAIF) that is regulated by California Government Code Section 16429 under the oversight of the Treasurer of the State of California. The fair value of the City's investment in this pool is reported in the accompanying financial statements at amounts based upon the City's pro-rata share of the fair value provided by LAIF for the entire LAIF portfolio (in relation to the amortized cost of that portfolio). The balance available for withdrawal is based on the accounting records maintained by LAIF, which are recorded on an amortized cost basis. Included in LAIF's investment portfolio are collateralized mortgage obligations, mortgage - backed securities, other asset -backed securities, loans to certain state funds, and floating rate securities issued by federal agencies, government -sponsored enterprises, and corporations. 010 24 r 0 LA QUINTA REDEVELOPMENT AGENCY Notes to the Basic Financial Statements (Continued) Outstanding (3) Notes Receivable Balance at June 30, 2002 In September 1994, the Agency sold certain real property to LINC Housing for $2,112,847. The property was used to construct single-family homes and rental units to increase the City's supply of low and moderate income housing. The note bears interest at 6% per annum and is due in full on June 15, 2029. $ 2,909,244 In December 2000, the Agency entered into an agreement with DC&TC, LLC to receive $9,500,000 as a reimbursement for Agency costs incurred for the construction of infrastructure related to the development of senior apartments. Payments are due to the Agency in the amount of annual positive cash flow generated by the rental of the units. All unpaid principal and interest on the note are due fifty-five years after the completion of the project. Interest on the note accrues at three percent per annum. 9,500,000 Other notes receivable 100,722 Total notes receivable $12,509,966 (4) Due From and To Other Funds Current interfund receivables and payables balances at June 30, 2002 are as follows: Due to Special Revenue — Low/Moderate Bond — PA No. 2 Fund from: Debt Service Project Area No. 2 2 538 The interfund receivable and payable is to cover short-term cash deficiencies. 0.41 25 J LA QUINTA REDEVELOPMENT AGENCY Notes to the Basic Financial Statements (Continued) 5) Advances To and From Other Funds Long-term interfund receivables and payables at June 30, 2002 are as follows: Advances from Special Revenue — Low/Moderate Income Housing — Project Area No. 2 Fund to: Debt Service Project Area No. 2 $39,135 The Agency elected to borrow $39,135 from Project Area No. 2, of the Low/Moderate Income Housing Fund to make the ERAF payment in fiscal year ended June 30, 1994. The Redevelopment Agency Project Area No. 2 Debt Service Fund will repay the Low/Moderate Income Housing Special Revenue Fund. The Agency has ten years to repay this loan. The Agency has elected to make repayment in the tenth year (2003-04). (6) Capital Assets Capital asset activity for the year ended June 30, 2002 was as follows: Buildings Total cost of depreciable assets Less accumulated depreciation for: Buildings Net depreciable assets Capital assets not depreciated: Land Capital assets, net 7) ProDertv Taxes Balances at Balances at June 30, 2001 Additions Deletions June 30, 2002 $ 880,000 - (40,000) 840,000 880,000 - (40,000) 840,000 (176,000) (28,000) 8,000 (196,000) 704,000 (28,000) (32,000) 644,000 9,065,319 42,520,987 (136,000) 51,450,306 $9,769,319 42,492 987 �168 000) 52z094,306 Under California law, property taxes are assessed and collected by the counties up to 1 % of assessed value, plus other increases approved by the voters. The property taxes are recorded initially in a pool, and are then allocated to the cities based on complex formulas. Accordingly, the City of La Quinta accrues only those taxes that are received from the County within sixty days after year-end. U4' 26 LA QUINTA REDEVELOPMENT AGENCY Notes to the Basic Financial Statements (Continued) (7) Property Taxes, (Continued) Lien date January 1 Levy date July 1 Due dates November 1 and February 1 Collection dates December 10 and April 10 The La Quinta Redevelopment Agency's primary source of revenue comes from property taxes. Property taxes allocated to the Agency are computed in the following manner: (a) The assessed valuation of all property within the project area is determined on the date of adoption of the Redevelopment Plan. (b) Property taxes related to the incremental increase in assessed values after the adoption of the Redevelopment Plan are allocated to the Agency; all taxes on the "frozen" assessed valuation of the property are allocated to the City and other districts. The Agency has no power to levy and collect taxes and any legislative property tax shift might reduce the amount of tax revenues that would otherwise be available to pay the principal of, and interest on, debt. Broadened property tax exemptions could have a similar effect. Conversely, any increase in the tax rate or assessed valuation, or any reduction or elimination of present exemptions would increase the amount of tax revenues that would be available to pay principal and interest on debt. 0111 27 LA QUINTA REDEVELOPMENT AGENCY Notes to the Basic Financial Statements (Continued) (8) Long -Term Liabilities Long-term liability activity for the year ended June 30, 2002 was as follows: Amounts Balance at Balance at due within June 30, 2001 Additions Deletions June 30, 2002 one year Project Area No. 1: 1994 Tax Allocation Bonds $ 20,865.000 - (1,195,000) 19,670,000 1.260,000 1995 Housing Tax Allocation Bonds 16,625,149 - (291.277) 16.333,872 307.022 1998 Tax Allocation Bonds 15,760,000 - - 15,760,000 - 2001 Tar Allocation Bonds - 46,124,932 46,124,932 - 2002 Tar Allocation Bonds - 38,389,904 - 38,389,904 Pass -through agreements payable: Due to County of Riverside 8,639,845 - (8,639,845) - - Coachella Valley Unified School District 8,747,405 - (684,233) 8,063,172 697,918 Advances from City of La Quinta 4,461,423 446,142 - 4,907.565 - Project Area No. 2: 1995 Housing Tax Allocation Bonds 4,494,851 - (78,723) 4,416,128 82,978 1998 Tax Allocation Bonds 6,590,000 - (85,000) 6.505.000 90.000 Due to County of Riverside 2,350,000 - (100,000) 2,250,000 100,000 Advances from City of La Quinta 6,922.1 14 692,211 7.614,325 Total long-term liabilities $ %5 455 787 85653J89 (11 074,078) 1.70 034,898 2 537,918 (9) Tax Allocation Bonds Tax Allocation Refunding Bonds, Series 1994 Tax allocation refunding bonds, Series 1994, in the amount of $26,665,000 were issued by the Agency to refund the outstanding aggregate principal amount of the Agency's Tax Allocation Bonds, Series 1989 and 1990. The remaining proceeds were used to finance certain capital improvements within the La Quinta Redevelopment Project Area No. 1. Interest rates on the bonds ranges from 3.80% to 8% and are payable semi-annually on March 1 and September 1 of each year until maturity. The interest and principal of the bonds are payable solely from pledged tax increment revenues. The bonds are not subject to redemption prior to maturity. There are certain limitations regarding the issuance of parity debt as further described in the official statement. A portion of the proceeds was used to obtain a surety agreement to satisfy the bond reserve requirement. The principal balance of outstanding bonds at June 30, 2002 is $19,670,000. 014 28 0 :; 6 LA QUINTA REDEVELOPMENT AGENCY Notes to the Basic Financial Statements (Continued) (9) Tax Allocation Bonds, (Continued) Tax Allocation Refunding Bonds, Series 1998 - Project Area No. 1 Tax allocation refunding bonds, Series 1998, in the amount of $15,760,000 were issued by the Agency to refund the outstanding aggregate principal amount of the Agency's Tax Allocation Bonds, Series 1991. The remaining proceeds were used to finance certain capital improvements within the La Quinta Redevelopment Project Area No. 1. Interest rates on the bonds range from 5.20% to 5.25% and are payable semi-annually on March 1 and September 1 of each year until maturity. The interest and principal of the bonds are payable from pledged tax increment revenues. There are certain limitations regarding the issuance of parity debt as further described in the official statement. Term Bonds maturing September 1, 2028 are subject to mandatory sinking fund redemption, in part by lot, on September 1, 2013 and on each September 1 thereafter, through September 1, 2028, at a price equal to the principal amount thereof plus accrued interest. A portion of the proceeds was used to obtain a surety agreement to satisfy the bond reserve requirement. The principal balance of outstanding bonds at June 30, 2002 is $15,760,000. Tax Allocation Refunding Bonds, Series 1998 - Project Area No. 2 Tax allocation refunding bonds, Series 1998, in the amount of $6,750,000 were issued by the Agency to refund the outstanding aggregate principal amount of the Agency's Tax Allocation Bonds, Series 1992. The remaining proceeds were used to finance certain capital improvements within the La Quinta Redevelopment Project Area No. 2. Interest rates on the bonds range from 3.75% to 5.25% and are payable semi-annually on March 1 and September 1 of each year until maturity. The interest and principal of the bonds are payable solely from pledged tax increment revenues of Project Area No. 2. Term Bonds maturing September 1, 2028 and September 1, 2033 are subject to mandatory sinking fund redemption, in part by lot, on September 1, 2009 and September 1, 2019, respectively, and on each September 1 thereafter at a price equal to the principal amount thereof plus accrued interest. There are certain limitations regarding the issuance of parity debt as further described in the official statement. A portion of the proceeds was used to obtain a surety agreement to satisfy the bond reserve requirement. The principal balance of outstanding bonds at June 30, 2002 is $6,505,000. 0 ) 29 0 .: LA QUINTA REDEVELOPMENT AGENCY Notes to the Basic Financial Statements (Continued) (9) Tax Allocation Bonds, (Continued) Tax Allocation Bonds, Series 2001 — Project Area No. 1 On August 15, 2001, the Agency issued tax allocation bonds in the amount of $48,000,000 to finance capital projects benefiting the La Quinta Redevelopment Project Area No. 1. The 2001 tax allocation bonds were issued at a discount of $422,400 and issuance costs of $1,517,325. The bonds consist of $17,280,000 of term bonds that accrue interest at 5.00% and mature on September 1, 2021 and $30,720,000 of term bonds that accrue interest at 5.18% and mature on September 1, 2031. The interest and principal on the bonds are payable from pledged tax increment revenues. A portion of the proceeds were used to obtain a surety agreement to satisfy the bond reserve requirement. The principal balance of outstanding bonds at June 30, 2002 is $46,124,932 ($48,000,000 net of unamortized discount and issuance costs of $1,875,068). Tax Allocation Bonds, Series 2002 — Project Area No. 1 On June 12, 2002, the Agency issued tax allocation bonds in the amount of $40,000,000 to finance capital projects benefiting the La Quinta Redevelopment Project Area No. 1. The 2002 tax allocation bonds were issued at a discount of $360,000 and issuance costs of $1,250,096. At June 30, 2002, the unexpended balance of bond proceeds is $37,087,727. The bonds consist of $6,355,000 of serial bonds and $33,645,000 of term bonds. Interest rates on serial bonds range from 1.75% and 4.00% and are payable semi-annually on March 1 and September 1 of each year until maturity. Term bonds accrue interest at 5.00% and 5.125% and mature on September 1, 2022 and September 1, 2023. The interest and principal on the bonds are payable from pledged tax increment revenues. A portion of the proceeds were used to obtain a surety agreement to satisfy the bond reserve requirement. The principal balance of outstanding bonds at June 30, 2002 is $38,389,904 ($40,000,000 net of unamortized discount and issuance costs of $1,610,096). p4 30 0 8 LA QUINTA REDEVELOPMENT AGENCY Notes to the Basic Financial Statements (Continued) (9) Tax Allocation Bonds, (Continued) The minimum annual requirements (including sinking fund requirements) to amortize tax allocation bonds as of June 30, 2002 are as follows: Project Area No. I Project Area No. 2 1994 Tax Allocation Bonds 1998 Tax Allocation Bonds 2001 Tax Allocation Bonds 2002 Tax Allocation Bonds 1998 Tax Allocation Bonds June 30 Principal Interest Principal Interest Principal Interest Principal Interest Principal Interest 2003 $ 1,260,000 1,360,855 - 819,520 - 2,430,720 - 1,433.076 90,000 330,747 2004 1,325,000 1,274,465 - 819,520 - 2,430,720 565,000 1,905.825 90.000 327,080 2005 1,430.000 1,182,140 - 819,520 - 2,430,720 575,000 1,895.131 95.000 323,264 2006 1,510.000 1,087,700 - 819,520 - 2,430,720 585,000 1.982.361 100,000 319,168 2007 1,620,000 973,455 - 819,520 - 2,430,720 600,000 1,867.091 105.000 314,785 2008 1,740.000 850,815 - 819,520 - 2,430,720 615,000 1.849.617 110,000 310,135 2009 1,865,000 719,233 - 819,520 - 2,430,720 635,000 1,829.914 115,000 305,184 2010 2,000.000 578,160 919,520 - 2,430,720 660,000 1,807.557 120.000 299,550 2011 2,145.000 426,868 - 819,520 - 2,430,720 680,000 1,782.926 125,000 293,272 2012 2.3 5,000 264,443 819,520 - 2,430,720 705.000 1,756.430 130,000 286,737 2013 2,470,000 90,155 819,520 - 2,430,720 735,000 1,727.981 140.000 279.819 2014 - - 655,000 802,490 1,565.000 2.391.595 705,000 1,695.656 145,000 272,516 2015 - 690,000 767.520 1,645,000 2.311.345 735,000 1,639.656 150.000 264,956 2016 - - 725,000 730,730 1,730,000 1226,970 770,000 1.622.031 160,000 257,013 2017 - - 765,000 691.990 1,815,000 2,138,345 810,000 1,582.531 170.000 248,556 2018 - - 800,000 651,300 1,905,000 2,045,345 855,000 1,540.906 175.000 239,716 2019 - - 845,000 608.530 2,000,000 1,947,720 895.000 1,497,156 185.000 230,491 2020 - - 890,000 563,420 2,100,000 1,845,220 940,000 1,451,281 195,000 220,631 2021 - - 935,000 515,970 2,205,000 1,737,595 985,000 1,403.156 205,000 210,131 2022 - 985,000 466,050 2,315,000 1,624,595 1,035,000 1,352.656 215,000 199,106 2023 - 1,035,000 413,530 2,430,000 1,504,755 1,090,000 1,299,531 230,000 187,425 2024 - 1,090,000 358,280 2,555,000 1,377,637 1,140,000 1,243,069 240,C00 175,097 2025 - - 1,145,000 300,170 2,685,000 1,244,018 1,200,000 1,183,106 255,000 162,094 2026 - - 1,205,000 239,070 2,820,000 1,103,640 1,265,000 1.119.941 265,000 148A44 2027 - - 1,265,000 174,850 2,965,000 956,123 1,330,000 1,053.444 280.000 134,138 2028 - 1,330,000 107,380 3,120,000 800,955 1,395,000 983,615 295,000 119,044 2029 - 1,400,000 36,400 3,275,000 637,882 1,470,000 910,200 310,000 103,163 2030 - - - - 3,445,000 466,523 3,015,000 795,272 325.000 86,494 2031 - - - - 3,620,000 286,365 3,170,000 636.781 345,000 68.906 2032 - - - 3,805,000 97,027 3,335,000 470.091 360,000 50,400 2033 - - - - 7,505.000 192.316 380,000 30,975 2034 - - - - - 400.000 10,500 $ 19.670,000 8,808,289 15,760,000 16,442.400 48.000,000 53,481,575 40.000,000 43.430.304 6,505,000 6,809.527 31 017 0 9 LA QUINTA REDEVELOPMENT AGENCY Notes to the Basic Financial Statements (Continued) (10) 1995 Housing Tax Allocation Bonds La Quinta Redevelopment Project Areas Nos. 1 and 2 1995 Housing Tax Allocation Bonds, were issued by the Agency, July 1, 1995, in the amount of $22,455,000 to increase, improve and/or preserve the supply of low and moderate income housing in the City. Interest is payable semi-annually on March 1 and September 1 of each year commencing March 1, 1996. Interest payments range from 4% to 6% per annum. The interest and principal of the bonds are payable from pledged tax increment revenues of both project areas. Term Bonds maturing on September 1, 2025 are subject to mandatory sinking fund redemption, in part by lot, on September 1, 2011 and on each September 1, thereafter, through September 1, 2025, at a price equal to the principal amount plus accrued interest. A portion of the proceeds was used to obtain a surety agreement to satisfy the bond reserve requirement. There are certain limitations regarding the issuance of parity debt as further described in the official statement. The principal balance of outstanding bonds at June 30, 2002 is $20,750,000. 048 32 1 0 ! 0 LA QUINTA REDEVELOPMENT AGENCY Notes to the Basic Financial Statements (Continued) (10) 1995 Housing Tax Allocation Bonds, (Continued) The minimum annual requirements (including sinking fund requirements) to amortize housing tax allocation bonds as of June 30, 2002 are as follows: 1995 Housing TAB'S June 30 Principal Interest 2003 $ 390,000 1,202,820 2004 405,000 1,183,538 2005 425,000 1,162,000 2006 450,000 1,140,890 2007 530,000 1,115,502 2008 560,000 1,086,470 2009 590,000 1,055,125 2010 620,000 1,021,540 2011 655,000 985,840 2012 695,000 946,650 2013 735,000 903,750 2014 780,000 858,300 2015 825,000 810,150 2016 875,000 759,150 2017 925,000 705,150 2018 985,000 647,850 2019 1,040,000 587,100 2020 1,105,000 522,750 2021 1,170,000 454,500 2022 1,240,000 382,200 2023 1,315,000 305,550 2024 1,395,000 224,250 2025 1,475,000 138,150 2026 1,565,000 46,950 $20,750,000 18,246,175 n41 33 � �i LA QUINTA REDEVELOPMENT AGENCY Notes to the Basic Financial Statements (Continued) (11) Due to County of Riverside Project Area No. 2 Based on an agreement dated July 5, 1989 between the Agency and the County, until the tax increment reaches $5,000,000 annually in Project Area No. 2, the Agency will pay to the County 50% of the County portion of tax increment. At the County's option, the County's pass -through portion can be retained by the Agency to finance new County facilities or land costs that benefit the County and serve the La Quinta population. Per the agreement, the Agency must repay all amounts withheld from the County. The tax increment is to be paid to the County in amounts ranging from $100,000 to $250,000 over a payment schedule through June 30, 2015. Interest does not accrue on this obligation. The balance at June 30, 2002 is $2,250,000. The minimum annual requirement to amortize due to County of Riverside as of June 30, 2002 are as follows: June 30 Principal 2003 $ 100,000 2004 100,000 2005 100,000 2006 100,000 2007 100,000 2008 150,000 2009 200,000 2010 200,000 2011 200,000 2012 250,000 2013 250,000 2014 250,000 2015 250,000 2 250 000 (12) Notes Payable to Coachella Valley Unified School District An agreement was entered into in 1991 between the Agency, the City of La Quinta and the Coachella Valley Unified School District (District), which provides for the payment to the District a portion of tax increment revenue associated with properties within District confines. Such payments are subordinate to other indebtedness of the Agency incurred in furtherance of the Redevelopment Plan for Project Area No. 1. This tax increment is paid to the District over a payment schedule through August 1, 2012 in amounts ranging from $474,517 to $834,076 for a total amount of $15,284,042. Tax increment payments outstanding at June 30, 2002 totaled $8,063,172. The District agrees to use such funds to provide classroom and other construction costs, site acquisition, school buses, expansion or rehabilitation of current facilities. 00 34 0, �� 2 LA QUINTA REDEVELOPMENT AGENCY Notes to the Basic Financial Statements (Continued) (12) Notes Payable to Coachella Valley Unified School District, (Continued) The minimum annual requirements to amortize payable to Coachella Valley Unified School District as of June 30, 2002 are as follows: June 30 Principal 2003 $ 697,918 2004 711,877 2005 726,114 2006 740,636 2007 755,449 2008 770,558 2009 785,968 2010 801,688 2011 817,722 2012 834,076 2013 421,166 (13) Advances from the City of La Quinta The City of La Quinta advances money to the Redevelopment Agency to cover operating and capital shortfalls. There is no stipulated repayment date established for the City advance. Interest accrues at 10% per annum. At June 30, 2002, the outstanding balances for Project Area No. 1 and Project Area No. 2 are $4,907,565 and $7,614,325, respectively. (14) Pledged Tax Revenues All tax revenues received by the Agency other than the amount required by law to be deposited in a low and moderate income housing fund, are required to be used to meet debt service requirements of the bond indentures before any payments may be made on other obligations of the Agency. 05 35 iJ'1 v LA QUINTA REDEVELOPMENT AGENCY Notes to the Basic Financial Statements (Continued) (15) Transfers In and Out The following transfers were made during the year ended June 30, 2002: Transfers to the Debt Service — Project Area No. 1 Fund from: Capital Projects — Project Area No. 1 $ 9,353,285 Special Revenue — Low/Moderate Income Housing — Project Area No. 1 1,737,006 11,090,291 Transfers to the Debt Service — Project Area No. 2 Fund from: Special Revenue — Low/Moderate Income Housing — Project Area No. 2 338,442 Total transfers $11,428,733 (16) Restatement of Fund Balances The following fund balances were restated at July 1, 2001 as follows: Fund balances at July 1, 2001 Debt Service Debt Service PA No. 1 PA No. 2 $3,920,336 663,171 To record the effects of removing advances from the City of La Quinta from the long-term debt account group and recording the liability in the fund responsible for repayment (4,461,423) (6,922,114) Fund balances (deficit) at July 1, 2001, as restated (541,087) 6 258 943 05^ 36 REQUIRED SUPPLEMENTARY INFORMATION 37 (This page intentionally left blank) Q� 4 38 LA QUINTA REDEVELOPMENT AGENCY Notes to Required Supplementary Information Year ended June 30, 2002 (1) Budgets and Budgetary Accounting The Agency adopts an annual budget prepared on the modified accrual basis of accounting for its governmental funds. The City Manager or his designee is authorized to transfer budgeted amounts between the accounts of any department. Revisions that alter the total appropriations of any department or fund are approved by City Council. Appropriations were reduced by $94,194 during the year. Prior year appropriations lapse unless they are approved for carryover into the following fiscal year. Expenditures may not legally exceed appropriations at the department level. Reserves for encumbrances are not recorded by the City of La Quinta. O, 7 39 0 ,1: 7 LA QUINTA REDEVELOPMENT AGENCY Low/Moderate Income Housing Fund - PA No. 1 Schedule of Revenues, Expenditures, and Changes in Fund Balances - Budget and Actual Year ended June 30, 2002 Variance with Prior Budget Final Budget Year Original Final Actual Positive (negative) Actual Revenues: Taxes $ 3,591,327 4,205,626 4,488,487 282,861 3,737,113 Developer fees - - 48,584 48,584 45,848 Investment income 200,000 50,000 266,302 216,302 96,383 Rental income 341,000 341,000 321,145 (19,855) 388,121 Miscellaneous revenues - - 25,418 25,418 25,096 Total revenues 4,132,327 4,596,626 5,149,936 553,310 4.292.561 Expenditures: Current: Planning and development Total expenditures Excess (deficiency) of revenues over (under) expenditures Other financing sources (uses): Sale of capital assets Transfers out Total other financing sources (uses) Excess (deficiency) of revenues and other financing sources over (under) expenditures and other financing uses Fund balances at beginning of year Fund balances at end of year 4,640,731 5,345,808 3,729,333 1,616,475 4,640,731 5,345,808 3,729,333 1.616,475 (508,404) (749,182) 1,420,603 2,169,785 150,000 150,000 146,603 (3,397) (1,737,006) (3,951,649) (1,737,006) 2,214,643 (1,587,006) (3,801,649) (1,590,403) 2,211,246 1,265,008 3,265,008 1.027.553 406,461 (1.739.031) 0.332,570) (2,095,410) (4,550,831) (169,800) 4,381,031 (305,017) 5,707,286 5,707,286 5,707,286 - 6.012.303 $ 3.611.876 1.156.455 5.537.486 4.381.031 5.707,286 6.18 40 LA QUINTA REDEVELOPMENT AGENCY Low/Moderate Income Housing Fund - PA No. 2 Schedule of Revenues, Expenditures, and Changes in Fund Balances - Budget and Actual Year ended June 30, 2002 Revenues: Taxes Investment income Total revenues Expenditures: Current: Planning and development Total expenditures Excess (deficiency) of revenues over (under) expenditures Other financing sources (uses): Transfers out Transfers to the City of La Quinta Total other financing sources (uses) Excess (deficiency) of revenues and other financing sources over (under) expenditures and other financing uses Fund balances at beginning of year Fund balances at end of year Budget Original Final Variance with Final Budget Actual Positive (negative) Prior Year A _-_-t $ 1,452,654 1,841,110 2,025,212 184,102 1,517,600 20,700 20,700 115,747 95,047 185,625 1,473,354 1,861,810 2,140,959 279,149 1,703,225 2,827,167 2,027,896 682,702 1,345,194 837,605 2,827,167 2,027,896 682,702 1,345,194 837,605 (1,353,813) (166,086) 1,458,257 1,624,343 865,620 (338,442) (338,442) (338,442) - - (2,449,259) (164,568) 2,284,691 (338,442) (2,787,701) (503,010) 2,284,691 (1,692,255) (2,953,787) 955,247 3,750,846 3,750,846 3,750,846 $ 2.058,591 797.059 4.706.093 3,909,034 3.909.034 (338,760) (153,379) (492,139) 373,481 3,377,365 3.750.846 0 F s� 0,,9 41 LA QUINTA REDEVELOPMENT AGENCY Low/Moderate Bond Fund - PA No. 1 Schedule of Revenues, Expenditures, and Changes in Fund Balances - Budget and Actual Year ended June 30, 2002 Variance with Prior Budget Final Budget Year Original Final Actual Positive (negative) Actual Revenues: Investment income $ - - 62,674 62,674 268,391 Total revenues - - 62,674 62,674 268,391 Other financing sources (uses): Transfers to the City of La Quinta - (832,930) (832,930) - (1.177,000) Total other financing sources (uses) - (832,930) (832,930) - (1,177,000) Excess (deficiency) of revenues and other financing sources over (under) expenditures and other financing uses - (832,930) (770,256) 62,674 (908,609) Fund balances at beginning of year 832,930 832,930 _832,930 - 1,741,539 Fund balances at end of year $ 832.930 - 61674 62.674 832.930 v 0 42 LA QUINTA REDEVELOPMENT AGENCY Low/Moderate Bond Fund - PA No. 2 Schedule of Revenues, Expenditures, and Changes in Fund Balances - Budget and Actual Year ended June 30, 2002 Variance with Prior Budget Final Budget Year Original Final Actual Positive (negative) Actual Revenues: Investment income $ - - 16,964 16,964 74,163 Total revenues - - 16,964 16,964 74,163 Other financing sources (uses): Transfers to the City of La Quint - (2,582,881) (223,917) 2,358,964 - Total other financing sources (uses) - (2,582,881) (223,917) 2,358,964 - Excess (deficiency) of revenues and other financing sources over (under) expenditures and other financing uses - (2,582,881) (206,953) 2,375,928 74,163 Fund balances at beginning of year 2,582,881 2,582,881 2,582,881 - 2,508,718 Fund balances at end of year $ 2,582,881 - 2,375,928 2,375,928 2,582,881 43 CONRADAND CERTIFIED PUBLIC ACCOUNTANTS ASSOCIATES, L.L.P. IRV NE,E, CALIFORNIA 92614 (949) 474-2020 Board of Directors Fax (949) 263-5520 La Quinta Redevelopment Agency La Quinta, California REPORT ON COMPLIANCE AND ON INTERNAL CONTROL OVER FINANCIAL REPORTING BASED ON AN AUDIT OF FINANCIAL STATEMENTS PERFORMED TN ACCORDANCE WITH GOVERNMENT A UDITING STANDARDS We have audited the financial statements of the La Quinta Redevelopment Agency as of and for the year ended June 30, 2002, and have issued our report thereon dated August 16, 2002. We conducted our audit in accordance with auditing standards generally accepted in the United States of America and the standards applicable to financial audits contained in Government Auditing Standards, issued by the Comptroller General of the United States. Compliance As part of obtaining reasonable assurance about whether the financial statements of the La Quinta Redevelopment Agency are free of material misstatement, we performed tests of its compliance with certain provisions of laws, regulations, contracts and grants, noncompliance with which could have a direct and material effect on the determination of financial statement amounts. Such provisions include those provisions of laws and regulations identified in the Guidelines for Compliance Audits of California Redevelopment Agencies, issued by the State Controller. However, providing an opinion on compliance with those provisions was not an objective of our audit and, accordingly, we do not express such an opinion. The results of our tests disclosed no instances of noncompliance that are required to be reported under Government Auditing Standards. Internal Control Over Financial Reporting In planning and performing our audit, we considered the La Quinta Redevelopment Agency's internal control over financial reporting in order to determine our auditing procedures for the purpose of expressing our opinion on the financial statements and not to provide assurance on the internal control over financial reporting. Our consideration of the internal control over financial reporting would not necessarily disclose all matters in the internal control over financial reporting that might be material weaknesses. A material weakness is a condition in which the design or operation of one or more misstatements in amounts that would be material in relation to the financial statements being audited may occur and not be detected within a timely period by employees in the normal course of performing their assigned functions. We noted no matters involving the internal control over financial reporting and its operation that we consider to be material weaknesses. This report is intended solely for the information and use of the Audit committee, management, and the State Controller and is not intended to be and should not be used by anyone other than those specified parties. ��.uda-yt��SO�Q� L .L.�• August 16, 2002 44 v F- MEMBERS OF AICPA AND CALIFORNIA SOCIETY OF CERTIFIED PUBLIC ACCOUNTANTS MEMBER OF AMERICAN INSTITUTE OF CERTIFIED PUBLIC ACCOUNTANTS PRIVATE COMPANIES PRACTICE SECTION TWit 4 s4� Q" AGENDA CATEGORY: BUSINESS SESSION: COUNCIL/RDA MEETING DATE: November 19, 2002 CONSENT CALENDAR: ITEM TITLE: STUDY SESSION: Approval of Amendment No. 1 to the Early PUBLIC HEARING: Entry Agreement with California Intelligent Communities, LLC RECOMMENDATION: Approve authorization for the Executive Director to execute Amendment No. 1 to the Early Entry Agreement with California Intelligent Communities, LLC. FISCAL IMPLICATIONS: None. CHARTER CITY IMPLICATIONS: None. BACKGROUND AND OVERVIEW: The La Quinta Redevelopment Agency authorized the Executive Director to enter into an Exclusive Negotiation Agreement and Early Entry Agreement with California Intelligent Communities, LLC (e.g., CIC) for property located at the southeast corner of Miles Avenue and Washington Street at its regular meeting of July 16, 2002. CIC has indicated a desire to amend the Early Entry Agreement to allow installation of, and access to, a sales trailer in an area on the site designated as the Marketing Area (see Attachment 1). CIC plans to process a Temporary Use Permit through the City's Community Development Department if this Amendment is approved. FINDINGS AND ALTERNATIVES: The alternatives available to the Agency Board include: 1 . Approve authorization for the Executive Director to execute Amendment No. 1 to the Early Entry Agreement with California Intelligent Communities, LLC; 0S1 2. Do not approve authorization for the Executive Director to execute Amendment No. 1; or 3. Provide staff with alternative direction. Respectfully submitted, Mark Weiss Assistant Executive Director Approved for submission by: Thomas P. Genovese Executive Director Attachment: 1 . Amendment to Early Entry Agreement ATTACHMENT 1 AMENDMENT NO. 1 TO EARLY ENTRY AGREEMENT THIS AMENDMENT NO. I TO EARLY ENTRY AGREEMENT ("Amendment No. I ") is made and entered into as of the day of , 2002 ("Effective Date"), by and between the LA QUINTA REDEVELOPMENT AGENCY, a public body, corporate and politic ("Agency"), and CALIFORNIA INTELLIGENT COMMUNITIES, LLC, a California limited liability company ("Developer"). RECITALS A. On or about , 2002, Agency and Developer entered into that certain Exclusive Negotiation Agreement with Developer ("ENA"), pursuant to which Agency and Developer agreed to negotiate the possible purchase of certain real property owned by Agency and located in the City of La Quinta ("City"), California ("Property") for Developer's development thereon of a commercial project consisting of a hotel, a medical facility, and a single family residential development (collectively, the "Project"). B. Pursuant to the ENA, Agency and Developer entered into that certain Early Entry Agreement ("Agreement") to permit Developer to enter onto and about the Property to perform certain work specified therein, in accordance with the terms thereof. C. Developer and Agency now wish to amend the Agreement to permit Developer to temporarily park a trailer on a certain portion of the Property (the "Marketing Area") for purposes of conducting sales and marketing activities therein regarding the Project. A depiction of the Marketing Area is attached hereto and incorporated herein as Exhibit "I". AMENDMENT: In consideration of the foregoing Recitals and the covenants and promises hereinafter contained, and for good and valuable consideration, the sufficiency and receipt of which are hereby acknowledged, the parties hereto agree as follows: Section 1. The first paragraph of Section I of the Agreement is replaced, in its entirety, with the following: Agency hereby grants to Developer and its employees, agents, consultants, and contractors ("Related Parties") a license for the term set forth in Paragraph 3 ("License") to (i) enter upon the Property, for purposes of inspecting, surveying and testing, including geotechnical, soils and environmental tests, on said real property in connection with the proposed use of purchase thereof for development of the Project; and (ii) park a sales trailer within the Marketing Area, for purposes of conducting sales and marketing activities. The activities, testing, surveying, and inspections described in items (1) and (ii) above are collectively referred to herein as the "Permitted Work," and may be conducted daily, but only between the hours of 8:00 a.m. and 6:00 p.m. Notwithstanding the above, at least forty- eight (48) hours prior to any of the Related Parties entering the Property, 060 882/015610-0061 341282.01 PM02 I �� 4 Developer shall notify Agency of its intention of the same. Said notice shall be provided by facsimile, addressed to the person listed in Section 8.8 hereof at the number provided therein. Agency may reject any proposed entry by providing telephonic notification to Developer at least twenty-four (24) hours prior to Developer's proposed entry, to the person listed in Section 8.8 hereof, at the number provided therein. Section 2. Section 3 of the Agreement is replaced, in its entirety, with the following: Term. The term of the License shall commence on full execution hereof and shall terminate on the date the ENA is terminated or, if the parties enter into a disposition and development agreement ("DDA") and the DDA is later terminated, the date the DDA is terminated. Section 3. The sales and marketing activities described in Section 1 of this Amendment No. 1 shall be conducted in accordance with a Temporary Use Permit to be processed by Developer through the City. Section 4. Except as expressly provided in this Amendment No. 1, all of the terms, conditions, and provisions set forth in the Agreement shall remain in full force and effect. Section 5. The Effective Date of this Amendment No. 1 shall be the later of the dates set forth next to the signatures of the parties hereto, after the parties hereto have signed this Amendment No. 1, which date shall be inserted into the preamble to this Amendment No. 1. Section 6. This Amendment No. 1 may be executed in counterparts, each of which, when all the parties hereto have signed this Amendment No. 1, shall be deemed an original. [END - SIGNATURE PAGE FOLLOWS] am IN WITNESS WHEREOF, the Agency and Developer have signed this Amendment No. I on the respective dates set forth below. "Agency" LA QUINTA REDEVELOPMENT AGENCY By: Date: , 2002 Executive Director ATTEST: Agency Secretary APPROVED AS TO FORM: RUTAN & TUCKER, LLP Attorneys for the La Quinta Redevelopment Agency "Developer" CALIFORNIA INTELLIGENT COMMUNITIES, LLC, a California limited Date: , 2002 liability company IN Name: Its: U6> 006 EXHIBIT " 1 " Depiction of Marketing Area [See following page] 0FF EXHIBIT 1 0 6 � 008 Tityl 4 e4& Q" COUNCIL/RDA MEETING DATE: November 19, 2002 ITEM TITLE: Consideration of the Comprehensive Annual Financial Report for the year ended June 30, 2002 RECOMMENDATION: It is recommended the Redevelopment Agency Board: Receive and file. AGENDA CATEGORY: BUSINESS SESSION: / CONSENT CALENDAR: STUDY SESSION: PUBLIC HEARING: PLEASE SEE RELATED BUSINESS SESSION ITEM ON CITY COUNCIL AGENDA firq c&ht 4 4 Q" AGENDA CATEGORY: BUSINESS SESSION: II COUNCIL/RDA MEETING DATE: November 19, 2002 CONSENT CALENDAR: ITEM TITLE: STUDY SESSION: Consideration of Adoption of a Resolution Approving an Affordable Housing Agreement by and Between PUBLIC HEARING: the La Quinta Redevelopment Agency and Apartments at La Quinta Village, LP for the Property Located on the East Side of Eisenhower Drive, North of Calle Tampico, and West of Avenida Bermudas RECOMMENDATION: Adopt a Resolution of the Redevelopment Agency that approves the Affordable Housing Agreement, authorize the Agency Chair and Executive Director to execute the necessary documents to fund up to $3,000,000 in expenditures from the Project Area 1 Low and Moderate Income Housing Accounts for this project, re -appropriate $500,000 from Project Area 1 Low and Moderate Income Housing Account 245-903- 683-675, appropriate $675,000 from Project Area 1 Low and Moderate Income Housing Account 245-000-300-290 fund balances, approve the transfer of $1,825,000 from the Project Area 2 Low and Moderate Income Housing Account funds, re -appropriate $1,000,000 from Project Area 2 Low and Moderate Income Housing Account 246-906-684-000, and appropriate $825,000 from Project Area 2 Low and Moderate Income Housing Account 246-000-300-290 fund balances. FISCAL IMPLICATIONS: The Affordable Housing Agreement ("Agreement") (Attachment 1) will result in the expenditure of $3,000,000 to reserve the 75 units at rents affordable to moderate - income households for 55 years. These funds would be expended over a 24 month period as the apartment community is constructed. The funds would be derived, in part, from reallocating $1 .0 million from the Avenue 47/Adams Street Project and $500,000 from the rehabilitation component of the La Quinta Housing Program. Since the 2002-2003 Budget was adopted, the Avenue 47/Adams Street Project has been structured wherein the Agency will not have to invest this amount to secure these affordable units. This project was approved on October 15, 2002. Review of the demand for property rehabilitation loans indicates there will not be a demand for the $829,000 currently budgeted in this account during this fiscal year. If these funds are reallocated, $329,000 will remain in this account to fund rehabilitation loans. The remaining $1,500,000 will be derived from Low and Moderate Income Housing fund balances that have not been appropriated to date. O F 9 G:\WPDOCS\CC Stf Rpts\CameoAFA.wpd.doc BACKGROUND AND OVERVIEW: Apartments at La Quinta Village, LP ("Participant") is a development affiliate of Cameo Homes, a Southern California builder who has developed and managed apartment communities for over 30 years. The Participant purchased the Eisenhower Drive/Calle Tampico property from KSL Recreation, and on October 15, 2002, they received City Council approval to develop up to 200 apartment units at this location. When the entitlement applications were being processed Agency staff explored the opportunity to secure units in this complex that would be affordable to moderate -income households. After considerable negotiations, the Participant agreed to reserve 75 units at affordable rents to said households for 55 years. In return the Agency would invest $3,000,000 towards land, site improvement and building construction costs that would lower both construction and permanent loan amounts and associated costs. The reduced costs allow the Participant to reserve the 75 units for the 55-year period. The rental apartment community will consist of 32 two-story buildings containing 200 one, two, and three -bedroom units, ranging from 670 to 1,1 17 square feet in size. Amenities will include a community room, fitness center, billiards room, resident business center, swimming pool and spa, and covered parking in a gated setting. Seventy-five of the units will be covenanted for affordability for 55 years pursuant to a recorded regulatory agreement for persons of moderate income (those earning between 80% and 120% of the Riverside County median income). The Agreement provides that the Participant will receive $3,000,000 in Agency housing assistance that will be disbursed as follows: • $800,000 when the Agreement is executed; this amount will be credited toward the land costs associated with the 75 affordable units; • $1,800,000 which disbursed to fund municipal permit and fees, grading, and wet and dry utility infrastructure expenses associated with the 75 affordable units; • $400,000 at the issuance of a Certificate of Occupancy by the City of La Quinta and release of the Agency's Construction Covenants. These funds will be secured by a Deed of Trust that will be subordinated only to the construction and permanent loans. When the Agency's Construction Covenants are released, then the Agency's Deed of Trust will be released and covenants and restrictions imposed by a regulatory agreement will insure that 75 units will remain affordable to moderate -income households for 55 years. The City and Redevelopment Agency must achieve State mandates that require a housing mix that addresses the needs of all income groups. The Agency must secure 1,601 affordable units with long-term affordability covenants by 2004. To date the Agency has secured 36% of this need, or 573 units. This proposal will assist in moving closer to achieving the redevelopment requirements; however, additional 070 G:\WPDOCS\CC Stf Rpts\CameoAFA.wpd.doc initiatives are needed. Staff is exploring new approaches that will be brought forward for Agency Board consideration during the first quarter of 2003. Our goal is to identify the means, and development or redevelopment opportunities, that will achieve the Agency's redevelopment mandates. FINDINGS AND ALTERNATIVES: The alternatives available to the Agency Board include: 1 . Adopt a Resolution of the Redevelopment Agency that approves the Affordable Housing Agreement, authorize the Agency Chair and Executive Director to execute the necessary documents to fund up to $3,000,000 in expenditures from the Project Area 1 Low and Moderate Income Housing Accounts for this project, re -appropriate $500,000 from Project Area 1 Low and Moderate Income Housing Account 245-903-683-675, appropriate $675,000 from Project Area 1 Low and Moderate Income Housing Account 245-000-300-290 fund balances, approve the transfer of $1,825,000 from the Project Area 2 Low and Moderate Income Housing Account funds, re -appropriate $1,000,000 from Project Area 2 Low and Moderate Income Housing Account 246-906-684-000, and appropriate $825,000 from Project Area 2 Low and Moderate Income Housing Account 246-000-300-290 fund balances. 2. Do not approve the Resolution approving the Affordable Housing Agreement; or 3. Provide staff with alternative direction. Respectfully submitted, erry 7erman :ommunity Development Director Approved for submission by, Thomas P. Genovese, Executive Director Attachments: 1. Affordable Housing Agreement G:\WPDOCS\CC SO Rpts\CameoAFA.wpd.doc 0'71. RESOLUTION RDA NO. A RESOLUTION OF THE LA QUINTA REDEVELOPMENT AGENCY APPROVING AN AFFORDABLE HOUSING AGREEMENT BETWEEN THE AGENCY AND APARTMENTS AT LA QUINTA VILLAGE, LP FOR THE PROPERTY LOCATED ON THE EAST SIDE OF EISENHOWER DRIVE, NORTH OF CALLE TAMPICO WHEREAS, the La Quinta Redevelopment Agency ("Agency") is a public body, corporate and politic, organized and existing under the California Community Redevelopment Law ("Health & Safety Code § 33000 et seq.) ("CRL"); and WHEREAS, pursuant to the CRL, the Agency and the City Council of the City of La Quinta ("City" or "City Council," as applicable) previously approved and adopted the Redevelopment Plan, as amended ("Redevelopment Plan") for Project Area No. 2 ("Project Area"); and WHEREAS, a fundamental purpose of the CRL is to expand the supply of low- and moderate -income housing (Health & Saf. Code, § 33071); and WHEREAS, Health and Safety Code Section 33449 authorizes the Agency to construct structures in order to provide housing for persons and families of low- or moderate -income; and WHEREAS, the Agency is engaged in activities leading to increasing and improving the supply of affordable housing within and outside the Project Area; and WHEREAS, Apartments at La Quinta Village, LP, a California limited partnership ("Participant") recently acquired that certain real property located on the east side of Eisenhower Drive, North of Calle Tampico, legally described as: Parcel 3 of Parcel Map 30721 as filed in Book 203, pages 30 through 31, inclusive of Parcel Maps, Official Records of Riverside County, California (the "Property"); and WHEREAS, Agency staff has negotiated an Affordable Housing Agreement ("Agreement") with Participant which provides for (i) Participant's construction of a rental apartment complex on the Property with related interior and exterior amenities, including, but not limited to, a private recreation center (collectively, the "Project"); and (ii) the Agency's provision of financial assistance to Participant in the amount of Three Million Dollars ($3,000,000) from the Agency's Low and Moderate Income Housing Tax Increment Fund ("Agency Assistance") to reimburse Participant for a portion of Participant's cost to acquire the Property and to assist Participant with developing the Project; and G:\WPDOCS\CCReso-COA\CCResoCameo-AHA.doc 1 1 7 I Resolution RDA No. Apartments at La Quinta Village, LP Adopted: November 19, 2002 WHEREAS, pursuant to the Agreement, Participant, as a condition to receipt of the Agency assistance, shall record against the Property a Regulatory Agreement and Declaration of Covenants and Restrictions that requires that not fewer than seventy-five (75) of the apartment units (the "Restricted Units") in the Project be rented at an affordable housing cost to, and occupied by, persons and families of "moderate income," i.e., persons and families whose income does not exceed 120% of the median income for Riverside County, adjusted for family size ("Moderate Income Persons"); and WHEREAS, the Agreement provides that the Agency Assistance shall be evidenced by a note and a deed of trust, which note shall be cancelled and deed of trust reconveyed when Participant completes construction of the Project; and WHEREAS, the Agreement provides for other conditions, time schedules, and requirements all as set forth in the Agreement; and WHEREAS, all actions required of the Agency to be taken precedent to review and consideration of the Agreement by the Agency have been taken in accordance with applicable law; NOW, THEREFORE, BE IT RESOLVED, that the La Quinta Redevelopment Agency hereby resolves as follows: 1. The Agency finds and determines that the Agreement effectuates the purposes of the Community Redevelopment Law (Health & Safety Code § 33000 et seq.) and of the Plan and is in the best interests of the citizens of the City of La Quinta. 2. The Agreement, a copy of which is on file with the Agency Secretary, is hereby approved. The Agency Executive Director and Agency Counsel are hereby authorized and directed to make final modifications to the Agreement that are consistent with the substantive terms of the Agreement approved hereby, and the Agency Executive Director is authorized to thereafter sign the Agreement on behalf of the Agency. 3. The Agency Executive Director is authorized and directed, on behalf of the Agency, to (i) sign such other and further documents, including but not limited to subordination agreements and escrow instructions that require the Agency's signature, and (ii) take such other and further actions, as may be necessary and proper to carry out the terms of the Agreement. G:\WPDOCS\CCReso-COA\CCResoCameo-AHA.doc 071 Resolution RDA No. Apartments at La Quinta Village, LP Adopted: November 19, 2002 PASSED, APPROVED, AND ADOPTED at a regular meeting of the La Quinta Redevelopment Agency held this 19th day of November, 2002, by the following vote: AYES: NOES: ABSENT: ABSTAIN: TERRY HENDERSON, Agency Chair City of La Quinta, California ATTEST: JUNE S. GREEK, Agency Secretary City of La Quinta, California APPROVED AS TO FORM: M. KATHERINE JENSON, Agency Counsel City of La Quinta, California G:\WPDOCS\CCReso-COA\CCResoCameo-AHA.doc 074 ATTACHMENT #1 AFFORDABLE HOUSING AGREEMENT BY AND AMONG LA QUINTA REDEVELOPMENT AGENCY D APARTMENTS AT LA QUINTA VILLAGE, LP 075 882/015610-0063 325173.02 AM02 TABLE OF CONTENTS Page 1.0 DEFINITIONS..................................................................................................................2 1.1 Agency Deed of Trust.........................................................................................2 1.2 Agency Loan.........................................................................................................2 1.3 Agency Loan Documents......................................................................................3 1.4 Agency Note......................................................................................................... 3 1.5 Agency Regulatory Agreement............................................................................. 3 1.6 Approved Project Plans and Permits.....................................................................3 1.7 CEQA.................................................................................................................... 3 1.8 City........................................................................................................................3 1.9 Days...................................................................................................................... 3 1.10 Effective Date....................................................................................................... 3 1.11 Enforced Delay..................................................................................................... 3 1.12 Executive Director................................................................................................ 3 1.13 Hazardous Materials............................................................................................. 3 1.14 Landaq...................................................................................................................4 1.15 Landaq Restrictions..............................................................................................4 1.16 Participant.............................................................................................................4 1.17 Project...................................................................................................................4 1.18 Project Area..........................................................................................................4 1.19 Redevelopment Plan.............................................................................................4 1.20 Release of Construction Covenants......................................................................4 1.21 Restricted Units.....................................................................................................4 1.22 Sale Escrow Instructions.......................................................................................4 1.23 Schedule of Performance...................................................................................... 5 1.24 Site........................................................................................................................ 5 1.25 Title Company...................................................................................................... 5 1.26 Unrestricted Units................................................................................................. 5 2.0 PURPOSE OF AGREEMENT.........................................................................................5 3.0 CURRENT OWNERSHIP OF THE SITE; PARTICIPANT ACQUISITION OFTHE SITE...................................................................................................................5 3.1 Ownership of the Site............................................................................................ 5 3.2 Agency Title Policy.............................................................................................. 6 3.3 Conditions to Agency's Performance................................................................... 6 3.4 Brokerage Commissions....................................................................................... 7 3.5 Taxes and Assessments and Liens........................................................................ 7 4.0 AGENCY LOAN; PHYSICAL CONDITION OF SITE.................................................7 4.1 Agency Loan; Disbursement.................................................................................7 4.2 Agency Note; Agency Deed of Trust.................................................................... 7 4.3 Physical Condition of Site.................................................................................... 7 0 {G 882/015610-0063 f7 325173.02 AM02 -1- Page 5.0 PARTICIPANT REPRESENTATIONS AND WARRANTIES ...................................... 8 5.1 Effective Date of Representations and Warranties ............................................... 8 5.2 Representations and Warranties............................................................................8 6.0 PROJECT DEVELOPMENT...........................................................................................9 6.1 Construction of the Project...................................................................................9 6.2 Indemnification...................................................................................................11 6.3 Applicable Laws.................................................................................................11 6.4 Release of Construction Covenants....................................................................12 7.0 TRANSFER AND ASSIGNMENT................................................................................12 7.1 Sale or Transfer of the Project............................................................................12 7.2 Transfer Defined.................................................................................................12 7.3 Agency Approval of Transfer Required.............................................................13 7.4 Assignment and Assumption Agreement............................................................14 7.5 Permitted Transferee...........................................................................................14 8.0 INSURANCE..................................................................................................................14 8.1 Required Minimum Policies...............................................................................14 9.0 RIGHTS OF HOLDERS OF APPROVED SECURITY INTERESTS IN SITE ........... 14 9.1 Definitions...........................................................................................................14 9.2 Limitation on Encumbrances..............................................................................15 9.3 Participant's Breach Does Not Defeat Mortgage Lien.......................................15 9.4 Notice of Default to Mortgagee, Deed of Trust or Other Security InterestHolders...................................................................................................15 9.5 Right of the Agency to Satisfy Other Liens on the Property After Conveyanceof Title............................................................................................15 10.0 USE OF THE SITE.........................................................................................................15 10.1 Use of the Site.....................................................................................................15 10.2 No Inconsistent Uses...........................................................................................16 10.3 Obligation to Refrain from Discrimination.........................................................16 10.4 Effect of Covenants.............................................................................................16 11.0 DEFAULT; ENFORCEMENT.......................................................................................16 11.1 Defaults, Right to Cure and Waivers..................................................................16 11.2 Legal Actions......................................................................................................17 11.3 Rights and Remedies are Cumulative.................................................................17 11.4 Attorneys' Fees...................................................................................................17 12.0 MISCELLANEOUS.......................................................................................................18 12.1 Notices................................................................................................................ Is 12.2 Nonliability of Agency Officials and Employees...............................................19 12.3 Time of Essence..................................................................................................19 12.4 Enforced Delay: Extension of Times of Performance.......................................19 077 882/015610-0063 325173.02 AM02 'J Page 12.5 Books and Records.............................................................................................19 12.6 Ownership of Documents...................................................................................20 12.7 Modifications...................................................................................................... 20 12.8 Binding Effect of Agreement..............................................................................20 12.9 Severability......................................................................................................... 20 12.10 Interpretation....................................................................................................... 20 12.11 Entire Agreement................................................................................................ 20 12.12 Waiver; Amendments.........................................................................................20 12.13 Counterparts........................................................................................................ 21 12.14 Authority.............................................................................................................21 12.15 Exhibits............................................................................................................... 21 12.16 Effective Date.....................................................................................................21 LIST OF EXHIBITS Exhibit "A" Legal Description of Site Exhibit `B" Site Map Exhibit "C" Scope of Development Exhibit "D" Schedule of Performance Exhibit "E" Form of Agency Note Exhibit "F" Form of Agency Deed of Trust Exhibit "G" Form of Agency Regulatory Agreement Exhibit "H" Form of Release of Construction Covenants 078 882/015610-0063 325173.02 AM02 -lll- AFFORDABLE HOUSING AGREEMENT THIS AFFORDABLE HOUSING AGREEMENT ("Agreement") is entered into as of (the "Effective Date") by and between the LA QUINTA REDEVELOPMENT AGENCY, a public body, corporate and politic ("Agency"), and APARTMENTS AT LA QUINTA VILLAGE, LP, a California limited partnership ("Participant"). RECITALS A. Agency is a public body, corporate and politic, exercising governmental functions and powers and organized and existing under the Community Redevelopment Law of the State of California (California Health and Safety Code Section 33000 et sew.). B. Participant has recently acquired fee title to that certain unimproved real property located approximately 630 feet north of Calle Tampico and 150 feet east of Eisenhower Drive, in the City of La Quinta (the "Site"). C. Agency desires to meet its affordable housing goals by assisting Participant in the development of an affordable rental housing complex on the Site with not less than two hundred (200) units, of which seventy-five (75) units shall be the "Restricted Units" (as defined below) and related interior and exterior improvements, by making certain financial assistance available to Participant for the Project from the Agency's Low and Moderate Income Housing Fund (Health & Safety Code §§ 33334.2 et sue.). D. Agency has determined that providing assistance to Participant for the Project is in the best interests of the City of La Quinta ("City") and the welfare of its citizens. Therefore, the parties desire to execute this Agreement for the Project on the terms and conditions set forth below. AGREEMENT NOW, THEREFORE, in consideration of the foregoing Recitals and the covenants and promises hereinafter contained, and for good and valuable consideration, the sufficiency and receipt of which are hereby acknowledged, Agency and Participant hereby agree as follows: 1.0 DEFINITIONS. 1.1 Agency Deed of Trust. The term "Agency Deed of Trust" shall mean that certain Deed of Trust With Assignment of Rents to secure the Agency Note, in the form attached hereto and incorporated herein as Exhibit "F". 1.2 Agency Loan. The term "Agency Loan" shall mean the loan by Agency to Participant in the amount set forth in Section 4.1, as evidenced by the Agency Loan Documents, for the purposes of acquiring the Site and constructing the Project on the Site. 071 882/015610-0063 325173.02 AM02 0 1.3 Agency Loan Documents. The term "Agency Loan Documents" shall mean, collectively, the Agency Note, Agency Deed of Trust and Agency Regulatory Agreement. 1.4 Agency Note. The term "Agency Note" shall mean that certain promissory note, in the form attached hereto and incorporated herein as Exhibit ` E", in favor of Agency, evidencing the loan by Agency to Participant. 1.5 Agency Regulatory Agreement. The term "Agency Regulatory Agreement" shall mean that certain Regulatory Agreement and Declaration of Covenants and Restrictions, in the form attached hereto and incorporated herein as Exhibit "G". 1.6 Approved Project Plans and Permits. The term "Approved Project Plans and Permits" shall mean, collectively, the Scope of Development attached hereto and incorporated herein as Exhibit "C", and all of the plans and permits approved by the Agency and the City for the Project, including any changes thereto as may be subsequently approved in writing by Participant, Agency, and City. 1.7 CEQA. The term "CEQA" shall mean the California Environmental Quality Act, Public Resources Code Section 21000 et seq., as amended. 1.8 City. The term "City" shall mean the City of La Quinta, a municipal corporation, having its offices at 78-495 Calle Tampico, La Quinta, CA 92253. The City is not a party to this Agreement and shall have no obligations hereunder. 1.9 Days. The term "days" shall mean calendar days and the statement of any time period herein shall be calendar days, and not business days, unless otherwise specified. 1.10 Effective Date. The Effective Date of this Agreement shall occur after approval hereof by Agency and shall mean the later of the dates this Agreement is executed on behalf of Agency and Participant. 1.11 Enforced Delay. The term "Enforced Delay" shall have the meaning set forth in Section 12.4. 1.12 Executive Director. The term "Executive Director" shall mean the individual duly appointed to the position of Executive Director of Agency, or his or her authorized designee. Whenever an administrative action is required by Agency to implement the terms of this Agreement, the Agency Executive Director, or his or her authorized designee, shall have authority to act on behalf of Agency, except with respect to matters reserved for Agency Board determination. 1.13 Hazardous Materials. The term "Hazardous Materials" shall mean (i) any hazardous or toxic substance, material or waste which is or becomes regulated by any local or regional governmental authority, the State of California, or the United States Government and/or (ii) any substance or material identified by the United States Government, the State of California, County of Riverside, or any local or regional governmental authority as hazardous or toxic and which is included on any list of such substances published by any such governmental entity and shall specifically include petroleum, petroleum -based products, asbestos and PCBs. 00 882/015610-0063 325173.02 AM02 3 n 1.14 Landaq. The term "Landaq" shall mean Landaq, Inc., a Delaware corporation, which is the entity from which Participant acquired the Site. 1.15 Landaq Restrictions. The term "Landaq Restrictions" shall mean, collectively, (i) the covenants and restrictions contained in the grant deed pursuant to which Landaq conveyed the Site to Participant; (ii) that certain Declaration of Development Covenants, Conditions and Restrictions entered into and recorded on , as Instrument No. , in the Official Records of the County of Riverside, by and between Landaq, as the "Company," and Participant, as the "Builder," which sets forth certain development and use restrictions with which Participant is required to comply; and (ill) that certain Option Agreement and Escrow Instructions entered into on , by and between Landaq, as the "Company," and Participant, as the "Builder," which provides for Participant's grant to Landaq of an option to repurchase the Site in accordance with the terms thereof, as memorialized by that certain Memorandum of Option entered into by those parties and recorded on as Instrument No. , in the Official Records of the County of Riverside. 1.16 Participant. The term "Participant" shall mean Apartments at La Quinta Village, LP, a California limited partnership, and any permitted assignees and successors of same as set forth in Section 7.0. 1.17 Project. The term "Project" shall mean the construction on the Site of an affordable rental housing complex with not less than two hundred (200) units, of which seventy- five (75) units shall be the Restricted Units, and related interior and exterior improvements, including, but not limited to, a private recreation center. The Project is more particularly described in the Scope of Development attached hereto and incorporated herein as Exhibit "C". 1.18 Project Area. The term "Project Area" shall mean Redevelopment Project Area No. 1 which is located in the City of La Quinta, California. The exact boundaries of the Project Area are specifically described in the Redevelopment Plan. 1.19 Redevelopment Plan. The term "Redevelopment Plan" shall mean the Redevelopment Plan for the Project Area, as the same has been amended prior to the Effective Date and as it may be further amended from time to time. A copy of the Redevelopment Plan in effect on the Effective Date is on file in the Office of the City Clerk of the City. The Redevelopment Plan is incorporated herein by this reference as though fully set forth herein. 1.20 Release of Construction Covenants. The term "Release of Construction Covenants" shall mean that certain Release of Construction Covenants, in the form attached hereto and incorporated herein as Exhibit "H". 1.21 Restricted Units. The term "Restricted Units" shall mean the seventy-five (75) rental apartment dwelling units in the Project that are covenanted for affordability, occupancy, and with respect to other matters pursuant to this Agreement and the Agency Regulatory Agreement. Any individual such unit shall be referred to as a "Restricted Unit." 1.22 Sale Escrow Instructions. The term "Sale Escrow Instructions" shall mean, collectively, (1) that certain Agreement of Purchase and Sale and Joint Escrow Instructions ("Purchase Agreement") between Landaq, as "Seller," and Participant, as "Buyer," dated 882/015610-0063 4 325173.02 AM02 �' 3 October 24, 2002, pursuant to which Participant purchased from Landaq, and Landaq sold to Participant, the Site, along with certain adjacent real property ("Property Adjacent To Site"); and (ii) all of the documents attached to the Purchase Agreement as exhibits thereto. 1.23 Schedule of Performance. The term "Schedule of Performance" shall mean that certain Schedule attached hereto and incorporated herein as Exhibit "D". 1.24 Site. The term "Site" shall mean that certain undeveloped real property, located approximately 630 feet north of Calle Tampico and 150 feet east of Eisenhower Drive, in the City of La Quinta. The Site is legally described as Exhibit "A", and is shown on the Site Map attached hereto and incorporated herein as Exhibit `B". 1.25 Title Company. The term "Title Company" shall mean the title company approved by Agency and Participant responsible for issuing a lender's policy of title insurance to the Agency insuring the priority of the Agency Deed of Trust and Agency Regulatory Agreement. 1.26 Unrestricted Units. The term "Unrestricted Units" shall mean the one hundred twenty-five (125) rental apartment dwelling units in the Project that are not restricted for affordability. Any individual such unit shall be referred to herein as an "Unrestricted Unit." 2.0 PURPOSE OF AGREEMENT. The purpose of this Agreement is to effectuate the Redevelopment Plan for the Project Area by providing for Participant's construction of the Project on the Site and thereby assisting in the provision of adequate housing affordable to moderate income households within the City. The development of the Project on the Site and the fulfillment generally of this Agreement are in the best interests of the City and the welfare of its residents and are in accordance with the public purposes and provisions of applicable federal, state, and local laws and regulations, pursuant to which the Project is being undertaken. 3.0 CURRENT OWNERSHIP OF THE SITE; PARTICIPANT ACOUISITION OF THE SITE. 3.1 Ownership of the Site. Participant is the owner of fee title to the Site. Prior to the execution of this Agreement, Participant has delivered to Agency a true and correct copy of the fully signed Sale Escrow Instructions and a copy of the grant deed conveying the Site to Participant (the "Grant Deed"). Participant represents that the Sale Escrow Instructions (a) provide that Participant's purchase price for the Site and the Property Adjacent To Site is equal to Two Million Dollars ($2,000,000); and (b) do not contain any terms that would cause the escrow or other fees to be charged to Participant at the close of escrow to be higher than what would normally be charged for a similar transaction in Riverside County. Participant further represents to Agency that the portion of said purchase price that represents the purchase price of the Site is One Million Seven Hundred Thirty -Eight Thousand Three Hundred Fourteen Dollars ($1,738,314). Based on the foregoing, Participant qualifies as an "owner -participant" within the meaning of the California Community Redevelopment Law (Health & Safety Code § 33000 et seq.). Participant shall indemnify, defend, and hold Agency harmless from and against all liability, loss, damage, cost, and expense (including expert witness fees, attorney's fees, and n 882/015610-0063 5 325173.02 AM02 t defense costs) arising from or related to any dispute related to the Sale Escrow Instructions or any other agreement or document pertaining to Participant's acquisition of the Site. 3.2 Agency Title Policy. On November _, 2002, the Title Company delivered to Agency a proposed ALTA lender's policy of title insurance, together with copies of all underlying documents as may be revealed by the proposed title policy (collectively, the "Proposed Title Policy"). Participant shall, at no cost to Agency, cause the Title Company to issue and deliver to Agency an ALTA lender's policy of title insurance, together with such endorsements as may be reasonably requested by Agency, with liability in the amount of the Agency Note, covering the Site, showing title vested in Participant and insuring the validity and priority of, respectively, the Agency Deed of Trust and Agency Regulatory Agreement (the "Agency Title Policy") subject only to: 3.2.1 those exceptions to title set forth in the Proposed Title Policy that the Executive Director has approved, in writing, as "acceptable;" provided, however, that Agency may only object to those exceptions that adversely affect the developability of the Site; 3.2.1 all nondelinquent general and special real property taxes and assessments; 3.2.2 the Grant Deed; and 3.2.3 such other matters as may be approved in writing by the Executive Director. 3.3 Conditions to Agency's Performance. As a further condition precedent to Agency's performance of its obligations set forth in this Agreement, all of the following shall have been performed or completed by the date set forth in the Schedule of Performance): 3.3.1 Participant shall have executed (and acknowledged where required) and submitted to Agency the Agency Note, Agency Deed of Trust and Agency Regulatory Agreement, and all other agreements and documents reasonably required to be signed by Participant pursuant to this Agreement and the agreements and documents referenced in this Agreement. 3.3.2 The Executive Director shall have reviewed and approved the title condition and the Title Company shall have issued the Agency Title Policy with only those exceptions pre -approved in this Agreement or as approved by the Executive Director in his/her sole and absolute discretion. 3.3.3 Participant shall have submitted to the Executive Director the evidence of insurance required by the Agency Regulatory Agreement, with such insurance coverages to be effective as of the Effective Date. 3.3.4 Participant shall have obtained all necessary land use entitlements to construct the Project. 3.3.5 Participant is not in material default of any of the terms of (i) this Agreement; or (ii) the Sale Escrow Instructions. P ,; I 882/015610-0063 325173.02 AM02 3.4 Brokerage Commissions. Participant and Agency shall each indemnify, defend, and hold harmless the other from and against all liabilities, costs, damages, and expenses, including, without limitation, attorneys' fees, resulting from any claims for fees or commissions, based upon agreements by the other or any person or entity affiliated with the other, if any, to pay a broker's commission and/or finder's fee pertaining to Participant's acquisition of the Site. No such fee(s), if any, shall be paid out of the Agency Loan. 3.5 Taxes and Assessments and Liens. Participant shall pay, when due, all real estate taxes and assessments assessed or levied against all or any portion of the Site subsequent to conveyance of title. 4.0 AGENCY LOAN, PHYSICAL CONDITION OF SITE. 4.1 Agency Loan, Disbursement. Subject to the terms and conditions of this Agreement, including, but not limited to, the conditions to disbursement set forth in the Agency Note, Agency shall assist in the financing of the construction of the Project by providing Participant with the Agency Loan from the Agency's Low and Moderate Income Housing Fund in the amount of THREE MILLION DOLLARS ($3,000,000.00). The Agency Loan shall be disbursed in accordance with the terms of the Agency Note. The Agency Loan shall be evidenced by the Agency Note and Agency Deed of Trust. Interest, in the amount of seven percent (7%) per annum, shall accrue on each portion of the Agency Loan commencing on the date such portion is disbursed. 4.2 Agency Note; Agency Deed of Trust. Repayment of the Agency Loan shall be in accordance with the terms of the Agency Note, attached hereto and incorporated herein as Exhibit "E." Repayment of the Agency Note shall be partially secured by the Agency Deed of Trust. Notwithstanding any of the foregoing, however, the Agency Note shall be automatically cancelled, and the Agency Deed of Trust shall be reconveyed, at such time when the Agency has issued a Release of Construction Covenants for the Project. 4.3 Physical Condition of Site. 4.3.1 Disclaimer of Warranties. Participant acknowledges that neither the Agency nor any of its officials, employees, agents, contractors, or representatives have made any representations, warranties or agreements to or with Participant on behalf of Agency as to any matters concerning the Site, the present use thereof, or the suitability of Participant's intended or contemplated use of the Site. The foregoing disclaimer includes, without limitation, topography, climate, air, water rights, utilities, present and future zoning, soil, subsoil, Hazardous Materials, patent and latent physical conditions or defects, the purposes to which the Site is suited, drainage, access to public roads, and the availability of governmental permits or approvals of any kind. Participant represents and warrants to Agency that it has investigated the Site, and has knowledge of the operative governmental laws and regulations (including, but not limited to, zoning, environmental, hazardous waste and land use laws and regulations) to which the Site may be subject, and has acquired the Site on the basis of its review and determination of the application and effect of such laws and regulations. Participant has neither received nor relied upon any representations concerning such laws and regulations made by Agency or its 094 882/015610-0063 7 325173.02 AM02 ~1 employees, agents, contractors, or representatives, or any other person acting on the behalf of Agency except as set forth in this Agreement. Any agreements, warranties, or representations not expressly contained in this Agreement shall in no way bind Agency. Participant acknowledges that it is fully responsible for obtaining any and all permits from the City and other governmental entities as may be required for the Project. Nothing in this paragraph is intended to defeat or declare void any permits, approvals, or entitlements that Participant has obtained with respect to the Site prior to the date of this Agreement. 4.3.2 Participant Indemnity Regarding Physical Condition of the Site. From and after the Effective Date, Participant shall indemnify, defend, and hold Agency harmless from and against any and all claims, suits, penalties, expenses, losses, damages, attorney's fees, judgments, or any other action or damage of any kind or nature arising out of or related to any of the matters described in Section 4.3.1. Notwithstanding any other provision of this Agreement to the contrary, Participant's indemnification as set forth in this Section 4.3.2 shall survive the termination of this Agreement and shall continue in perpetuity. 5.0 PARTICIPANT REPRESENTATIONS AND WARRANTIES. 5.1 Effective Date of Representations and Warranties. All of the representations and warranties set forth in this Section 5.0 are valid as of Effective Date and shall remain valid, true, and correct unless Participant discloses to Agency in writing a change in any of the representations or warranties set forth herein. 5.2 Representations and Warranties. In addition to other representations and warranties of Participant set forth in this Agreement, Participant hereby makes the following representations, covenants, and warranties for the benefit of Agency and Agency's successors and assigns, and acknowledges that the execution of this Agreement by Agency has been made in material reliance by Agency on such representations and warranties: 5.2.1 No Default. Other than the consents obtained as set forth in this Agreement, the execution and delivery of this Agreement and all other documents to be executed by Participant pursuant to this Agreement will not constitute or result in any default or event that with notice or the lapse of time, or both, would be a default, breach, or violation of any other agreement, instrument, or arrangement by which Participant is bound. 5.2.2 No Violation. The execution and delivery of this Agreement and all other documents to be executed by Participant pursuant to this Agreement and the consummation of the transactions contemplated herein will not violate any provision of or require any consent, authorization, or approval under any law or administrative regulation or any other order, award, judgment, writ, injunction or decree applicable to, or any governmental permit or license issued to Participant. 5.2.3 No Bankruptcy. Participant has not filed or been the subject of any filing of a petition under the Federal Bankruptcy Law or any insolvency laws, or any laws for the discharge of indebtedness or for the reorganization of debtors. 5.2.4 No Misrepresentation. No representation, warranty, or covenant of Participant in this Agreement, or in any document or certificate furnished or to be furnished to (} Q J 882/015610-0063 325173.02 AM02 8 4 � Agency pursuant to this Agreement, contains or will contain any untrue statement of a material fact or omits or will omit to state a material fact necessary to make the statements contained herein or therein not misleading. 5.2.5 Due Execution. This Agreement and all other documents to be executed by Participant pursuant to this Agreement have been or will be duly executed by Participant and constitute valid, binding, and enforceable obligations of Participant. If other than an individual, Participant has complied with all laws and regulations concerning its organization, existence, and transaction of business. 5.2.6 No Extraneous Consideration. Participant has not paid or given to, and will not pay or give to, Agency or any official or agent of Agency any money or other consideration for obtaining this Agreement, except as may be expressly provided herein. 5.2.7 Financial Information. All financial information delivered to Agency, including, without limitation, information relating to the financial condition of Participant, the Site, and the Project accurately represents such financial condition and has been prepared in accordance with accepted accounting principles consistently applied, unless otherwise noted in such information. Participant shall notify Agency in writing of any material changes to such information delivered to the Agency. 6.0 PROJECT DEVELOPMENT. 6.1 Construction of the Project. 6.1.1 Development In Accordance With Plans. Participant shall develop the Project in accordance with this Agreement and the Approved Plans and Permits. As completed, the Project: (a) shall comply with all applicable laws and ordinances of all governmental authorities, including, without limitation, all laws and ordinances necessary to permit rehabilitation of the Site as permitted by this Agreement; and (b) will be wholly in compliance with any enforceable building restriction laws, however established, and will not violate any enforceable use, easement, license, covenant, condition, or other restriction affecting the Site. 6.1.2 Evolution of Development Plans. Within the times set forth in the Schedule of Performance, Participant shall submit to the City preliminary and final drawings and specifications for development of the Project in accordance with the Scope of Development, the concept drawings, and in accordance with the City's requirements. The term preliminary and final drawings shall be deemed to include, unless otherwise waived by City, site plans, building plans and elevations, landscaping plans, parking plans, and all other plans, drawings, and specifications required to obtain site plan approval and, with respect to final drawings, to obtain a building permit. Said plans, drawings and specifications shall be consistent with the Scope of Development and the various development approvals referenced hereinabove, except as such items may be amended by City (if applicable) and by mutual consent of City, Agency, and Participant. Plans, (concept, preliminary and construction) shall be progressively more detailed. 6.1.3 Other Governmental Permits. Before commencement of construction or development of any buildings, structures, or other work of improvement upon the Site, Participant shall secure or cause to be secured any and all permits and approvals which may be 882/015610-0063 325173.02 AM02 9 J required by City or any other governmental agency affected by such construction, development, or work to be performed by Participant pursuant to the Scope of Development, including, but not limited to, necessary building permits and all approvals required under CEQA. Not by way of limiting the foregoing, in constructing the Project, Participant shall comply with all applicable development standards in City's Municipal Code and shall comply with all building code, landscaping, signage, and parking requirements except as may be permitted through approved variances and modifications. Agency agrees, at no cost to Agency, to reasonably assist Participant in its efforts to obtain permits and approvals for the Project; provided, however, that Agency does not represent, warrant, or guarantee that any permit or approval will be granted or issued or that any such permit or approval will be granted or issued with or without any particular conditions. 6.1.4 Cost of Construction, Subordination. Except for the Agency Loan, Participant shall bear all costs of preparing and developing the Project and constructing and rehabilitating all improvements on the Site, including, but not limited to, any and all costs for construction, architectural and engineering plans, preparation of the Site, costs associated with meeting applicable seismic standards, interim and permanent financing, and fees or charges for development and building. The Agency agrees to subordinate the Agency Deed of Trust and Regulatory Agreement to Participant's construction loan, provided that (i) the maximum cumulative principal amount of the construction loan shall not exceed ninety percent (90%) of the lender's appraised value of the Site upon completion of the Project, which amount shall be verified in writing to Agency Executive Director's reasonable satisfaction; (ii) the loan(s) shall obligate Participant to expend loan proceeds for no other purpose than the Project; and (iii) the loan(s) shall provide that any notice of Participant breach or default shall also be sent to the Agency at the address listed in Section 12.1 and that upon receipt of such notice, Agency shall have the right to (A) cure the noticed breach or default, (B) negotiate with the lender regarding the noticed breach or default, and (C) purchase the property from Participant subject to the construction lender's deed of trust, without the consent of Participant or the holder of the construction lender's deed of trust, and that Agency's exercise of the foregoing rights shall not, in and of itself, give rise to any right on the part of the lender to accelerate the amounts due under the loan. In agreeing to provide the subordination referred to in the preceding sentence, Agency hereby incorporates the finding required to be made in accordance with Health and Safety Code Section 33334.14. 6.1.5 Construction Schedule: Reports. Participant shall commence and complete construction of the Project within the times set forth in the Schedule of Performance. Once construction is commenced, Participant shall diligently pursue such construction to completion and Participant shall not abandon such construction for more than ten (10) consecutive business days. Participant shall keep Agency informed of the progress of construction and submit to the Executive Director written reports of the progress of construction when and in the form requested. 6.1.6 Drawin sg and Specifications. Participant shall construct the Project upon the Site in accordance with the construction drawings, working specifications, and related nR� 882/015610-0063 1 325173.02 AM02 documents that shall be submitted to and approved by the Agency and City in advance and in writing. 6.1.7 Nondiscrimination During Construction. Participant, for itself and its successors and assigns, agrees that during the construction of the Project, Participant shall not discriminate against any employee or applicant for employment because of race, color, creed, religion, sex, marital status, national origin, or ancestry. 6.1.8 Rights of Access. Representatives of Agency shall have the reasonable right of access to the Site without charges or fees, at any time during normal construction hours during the period of construction, for the purpose of assuring compliance with this Agreement, including but not limited to the inspection of the construction work being performed by or on behalf of Participant. Each such representative(s) of Agency shall identify himself or herself at the job site office upon his or her entrance to the Site, and shall provide Participant, or the construction superintendent or similar person in charge on the Site, a reasonable opportunity to have a representative accompany him or her during the observation. Agency shall indemnify, defend, and hold Participant harmless from any injury or property damage caused or liability arising out of Agency's exercise of this right of access, except and to the extent that such injury, damage, or liability is caused by the negligence or willful misconduct of Participant and/or Participant's agents, servants, employees or contractors. Any observation, examination, or inspection occurring by Agency during its/their access pursuant to this Section shall not be construed or deemed as an inspection pursuant to any building codes or the Municipal Codes or any other inspection that may be performed by City or any other public entity. 6.1.9 Construction Contract. The Agency acknowledges and agrees that Participant shall act as the general contractor for the improvements required to be constructed by Participant for the Project. Participant shall comply with all applicable laws and regulations pertaining to the contracting of work for construction of the improvements, including but not limited to the payment of wages for services engaged and bills for materials, supplies, and equipment. Participant shall not permit any mechanics' or materialmens' liens to be recorded against the Site. 6.2 Indemnification. During the period of any construction of the improvements pursuant to this Agreement and until such time as the Agency issues its Release of Construction Covenants for the Project, Participant agrees to and shall indemnify and hold Agency and City and their respective agents, servants, employees, or contractors harmless from and against all liability, loss, damage, cost, or expense (including expert witness fees and 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 which shall occur on the Site and which shall be directly or indirectly caused by the acts done thereon or any errors or omissions of Participant or its agents, servants, employees, invitees, or contractors except and to the extent such liability, loss, damage, costs, or expense is caused by the active negligence or willful misconduct of Agency. The provisions of this Section shall survive the termination of this Agreement. 6.3 Applicable Laws. Participant shall construct the Project in conformity with all applicable federal, state, and local laws, rules, and regulations, including, but not limited to, 882/015610-0063 1 1 325173.02 AM02 applicable wage and labor laws. Participant agrees to indemnify, defend, and hold Agency and City harmless from and against all liability, loss, damage, cost, or expense (including expert witness fees and reasonable attorney's fees and costs) arising from or as a result of any violation of any applicable law, ordinance, statute, rule or regulation, including, but not limited to, prevailing wage laws, except to the extent such violation arises from the active negligence of Agency. 6.4 Release of Construction Covenants. Upon written request by Participant, and upon satisfactory completion of the Project, as evidenced by City's issuance of a certificate of occupancy (excluding a temporary certificate of occupancy issued by City), Agency shall issue to Participant a Release of Construction Covenants as long as Participant is not in default under this Agreement or any documents related hereto. The Release of Construction Covenants shall be, and shall so state, a conclusive determination of satisfactory completion of construction of the Project. After the date Participant is entitled to issuance of the Release of Construction Covenants, and notwithstanding any other provision of this Agreement to the contrary, any party then owning or thereafter purchasing, leasing or otherwise acquiring any interest in the Site shall not (because of any such ownership, purchase, lease, or acquisition) incur any obligation or liability under this Agreement, except that such party shall be bound by the covenants that survive the issuance of the Release of Construction Covenants, including as set forth in the Regulatory Agreement. The Release of Construction Covenants is not a notice of completion as referred to in California Civil Code section 3093. If Agency refuses or fails to furnish a Release of Construction Covenants after written request from Participant, Agency shall, within fifteen (15) days after the written request, provide the Participant a written statement of the reasons Agency refused or failed to furnish a Release of Construction Covenants. The statement shall also contain the Agency's opinion of the action Participant must take to obtain a Release of Construction Covenants. If Agency shall have failed to provide such written statement within said fifteen (15) day period, Participant shall be deemed entitled to the Release of Construction Covenants. If Agency refuses or fails to furnish the Release of Construction Covenants for the reason that specific minor non -life safety items or materials are not available or landscaping is not complete and the cost thereof is less than two percent (2%) of the Agency Loan amount, as set forth in the Project Budget, Agency shall issue the Release of Construction Covenants upon the posting by Participant with Agency of a cash deposit, bond, or irrevocable letter of credit (in a form acceptable to Agency), at Participant's option, in an amount representing one hundred percent (100%) of the fair value of the work not yet completed. 7.0 TRANSFER AND ASSIGNMENT. 7.1 Sale or Transfer of the Project. Participant covenants that during the term of this Agreement and the Agency Regulatory Agreement Participant shall not assign this Agreement or transfer the Site or any of its interests therein except as provided in this Section 7.0. 7.2 Transfer Defined. As used in this Section 7.0, the term "Transfer" shall include any assignment, hypothecation, mortgage, pledge, conveyance, or encumbrance of this Agreement, the Site, or the improvements thereon. A Transfer shall also include the transfer to any person, entity, or group of persons or entities acting in concert of more than fifty percent nQ� 882/015610-0063 325173.02 AM02 12 (50%) (in the aggregate) of the present ownership and/or control of any person or entity constituting Participant, taking all transfers into account on a cumulative basis. In the event any entity constituting Participant, its successor or the constituent partners or members of Participant or any successor of Participant, is a corporation or trust, such transfer shall refer to the transfer of the issued and outstanding capital stock of such corporation, or of beneficial interests of such trust; in the event that any entity constituting Participant, its successor or the constituent partners of Participant or any successor of Participant is a limited or general partnership, such transfer shall refer to the transfer of more than fifty percent (50%) of such limited or general partnership interest; in the event that any entity constituting Participant, its successor or the constituent members of Participant or any successor of Participant is a limited liability company, such transfer shall refer to the transfer of more than fifty percent (50%) of such membership interest; in the event that any entity constituting Participant, its successor or the constituent partners of Participant or any successor of Participant is a joint venture, such transfer shall refer to the transfer of more than fifty percent (50%) of the ownership and/or control of any such joint venture partner, taking all transfers into account on a cumulative basis. 7.3 Agency Approval of Transfer Required. Except as set forth below, Participant shall not Transfer this Agreement or any of Participant's rights hereunder, or any interest in the Site or in the improvements thereon, directly or indirectly, voluntarily or by operation of law, without the prior written approval of Agency, which approval shall not be unreasonably withheld, conditioned, or delayed, and any such purported Transfer without such approval shall be null and void. Notwithstanding the foregoing, the following types of transfers shall not require Agency approval but as with all Transfers shall be subject to Section 7.4: (i) Transfers to any entity or entities owned or controlled by Participant or any of its respective shareholders or partners, or to any parent corporation or subsidiary corporation of any partners of Participant, or to any entity or entities controlled by any such shareholders or partners; (ii) The leasing of individual rental units on the Site provided that such leasing is in accordance with the terms of this Agreement and of the Agency Regulatory Agreement; (iii) Transfers resulting from the death or mental or physical incapacity of an individual; (iv) Transfers in trust for the benefit of a spouse, children, grandchildren, or other family member, or for charitable purposes; (v) Transfers of stock in a publicly -held corporation or of the beneficial interest in any publicly -held partnership or real estate investment trust; (vi) Any mortgage, deed of trust, sale and leaseback, or other form of conveyance required for any reasonable method of financing or refinancing the acquisition of the Site and development of the Project thereon, including all direct and indirect costs related thereto; or Q�1 882/015610-0063 13 325173.02 AM02 J (vii) The conveyance or dedication or portions of the Site to the City or other governmental entity, or the granting of easements or permits to facilitate the development of the Site. Agency shall reasonably consider approving a transfer to an entity not owned or controlled by Participant provided such entity has both of the following: (A) the financial strength and capability, equal to or greater than the financial strength and capability of Participant, to perform Participant's obligations hereunder; and (B) the experience and expertise, at levels equal to or greater than the experience and expertise of Participant, in the planning, financing, development, ownership and operation of similar projects. 7.4 Assignment and Assumption Agreement. In the absence of specific written agreement by Agency, no Transfer by Participant of all or any portion of its interest in the Site or this Agreement, whether or not requiring the approval by Agency, shall be deemed to relieve Participant or any successor party from the obligation to timely complete construction of the Project. In addition, no attempted Transfer of any of Participant's obligations hereunder shall be effective unless and until Participant and the transferee or successor party execute and deliver to Agency a binding assignment and assumption agreement in a form reasonably approved by Agency's legal counsel. 7.5 Permitted Transferee. A "Permitted Transferee" under this Agreement shall be a transferee or assignee that either (i), has been approved by the Executive Director, or (ii) is a transferee of a Transfer not requiring the approval of the Executive Director pursuant to the terms of this Agreement, and both the cases described in the foregoing clauses (i) and (ii) has executed and delivered to the Executive Director an assignment and assumption agreement pursuant to Section 7.4. 8.0 INSURANCE. From and after the Effective Date, and for the term of the Agency Regulatory Agreement, Participant shall procure and maintain, at its sole cost and expense, the insurance set forth in the Agency Regulatory Agreement. Not later than the Effective Date of this Agreement, Participant shall provide the Executive Director with Certificates of Insurance or appropriate insurance binders evidencing said insurance coverages and said Certificates of Insurance or binders shall be subject to the reasonable approval of the Executive Director. Participant agrees that the provisions of this Section shall not be construed as limiting in any way the extent to which Participant may be held responsible for the payment of damages to any persons or property resulting from the Participant's activities or the activities of any person or persons for which the Participant is otherwise responsible. 9.0 RIGHTS OF HOLDERS OF APPROVED SECURITY INTERESTS IN SITE. 9.1 Definitions. As used in this Section 9.0, the term "mortgage" shall include any mortgage, whether a leasehold mortgage or otherwise, deed of trust, or other security interest, or sale and lease -back, or any other form of conveyance for financing. The term "holder" shall include the holder of any such mortgage, deed of trust, or other security interest, or the lessor under a lease -back, or the grantee under any other conveyance for financing. 091 882/015610-0063 1 4 / 325173.02 AM02 ,. 1 9.2 Limitation on Encumbrances. Except as otherwise permitted by this Agreement, including but not limited to clause (f) of Section 7.3, Participant shall not mortgage the Site or any portion thereof or any interest therein, any other mortgages or conveyances for financing that encumber the Site or any portion thereof, without the prior written approval of the Executive Director. 9.3 Participant's Breach Does Not Defeat Mortgage Lien. Participant's breach of any of the covenants or restrictions contained in this Agreement or in the Agency Regulatory Agreement shall not defeat or render invalid the lien of any mortgage permitted pursuant to this Agreement, made in good faith and for value as to the Site, or any part thereof or interest therein, but unless otherwise provided herein, the terms, conditions, covenants, restrictions, easements, and reservations of this Agreement shall be binding and effective against the owner of the Site where such owner, including any lender, acquires the Site by foreclosure, trustee's sale, or otherwise. 9.4 Notice of Default to Mortgagee, Deed of Trust or Other Security Interest Holders. Whenever Agency shall deliver any notice or demand to Participant with respect to any breach or default by Participant hereunder, Agency shall at the same time deliver a copy of such notice or demand to each holder of record of any mortgage who has previously made a written request to Agency therefor, or to the representative of such lender as may be identified in such a written request by the lender. No notice of default shall be effective as to the holder unless such notice is given. 9.5 Right of the Agency to Satisfy Other Liens on the Property After Conveyance of Title. Prior to the recordation of the Release of Construction Covenants for the Project, and after Participant has had a reasonable time to challenge, cure, or satisfy any liens or encumbrances on the Site or any portion thereof, Agency shall have the right to satisfy any such liens or encumbrances; provided, however, that nothing in this Agreement shall require Participant to pay or make provision for the payment of any tax, assessment, lien or charge so long as Participant in good faith shall contest the validity or amount thereof, and so long as such delay in payment shall not subject the Site or any portion thereof to forfeiture or sale. Agency shall have the right to reimbursement from Participant for any amount expended pursuant to this Section, which right of reimbursement shall be secured by a lien on the Site, with power of sale. 10.0 USE OF THE SITE. 10.1 Use of the Site. 10.1.1 Dwelling Units. Participant hereby covenants and agrees, for itself and its successors and assigns, to use and maintain the Site only as a rental apartment housing project with two hundred (200) apartment dwelling units ("Units"), with not fewer than seventy-five (75) of the Units to be rented to persons and families whose income does not exceed 120% of the median income for Riverside County, adjusted for family size, as determined by the California Department of Housing and Community Development ("Restricted Units"), all as more fully described in the Agency Regulatory Agreement. The balance of the Units shall be available for rent without restriction and are referred to herein as the "Unrestricted Units." 882/015610-0063 1 5 325173.02 AM02 10.2 No Inconsistent Uses. Participant covenants and agrees that it shall not devote the Site to uses inconsistent with the Redevelopment Plan, the applicable zoning restrictions, this Agreement, the Agency Regulatory Agreement, or the Agency Loan Documents. Agency hereby confirms that multifamily residential use (and associated parking) is a use permitted by the Redevelopment Plan. 10.3 Obligation to Refrain from Discrimination. There shall be no discrimination against, or segregation of, any persons, or group of persons, on account of race, color, creed, religion, sex, marital status, ancestry, or national origin in the rental, sale, lease, sublease, transfer, use, occupancy, or enjoyment of the Site, or any portion thereof, nor shall Participant, or any person claiming under or through Participant, establish or permit any such practice or practices of discrimination or segregation with reference to the selection, location, number, use, or occupancy of tenants, lessees, subtenants, sublessees, or vendees of the Site or any portion thereof. The nondiscrimination and nonsegregation covenants contained herein shall remain in effect in perpetuity. 10.4 Effect of Covenants. Agency is deemed a beneficiary of the terms and provisions of this Agreement and of the restrictions and covenants running with the land, whether or not appearing in the Agency Regulatory Agreement, for and in its own right and for the purposes of protecting the interests of the community in whose favor and for whose benefit the covenants running with the land have been provided. The covenants in favor of Agency shall run with the land without regard to whether Agency has been, remains, or is an owner of any land or interest therein in the Site, or in the Redevelopment Project Area, and shall be effective as both covenants and equitable servitudes against the Site. Agency shall have the right, if any of the covenants set forth in this Agreement which are provided for its benefit are breached, to exercise all rights and remedies and to maintain any actions or suits at law or in equity or other proper proceedings to enforce the curing of such breaches to which it may be entitled. The covenants running with the land and their duration are set forth in the Agency Regulatory Agreement. 11.0 DEFAULT; ENFORCEMENT. 11.1 Defaults, Right to Cure and Waivers. 1 L l .l Subject to any Enforced Delay, and unless otherwise more specifically provided in this Agreement, failure or delay by either party to timely perform any covenant of this Agreement constitutes a default under this Agreement, but only if the party who so fails or delays does not commence to cure, correct or remedy such failure or delay within thirty (30) days after receipt of a written notice specifying such failure or delay, and does not thereafter prosecute such cure, correction or remedy with diligence to completion. 11.1.2 Any default by Participant under this Agreement, or of the Agency Note, or of the Agency Deed of Trust, or of the Agency Regulatory Agreement, or of any of the Landaq Restrictions, shall constitute a default of all of the foregoing agreements entitling Agency to pursue whatever remedies to which it is entitled under such agreements; provided that the required notice of default under Section 11.1.1 has been given and the time period to commence and complete a cure, correction, or remedy of such noticed default has expired without such default having been cured, corrected, or remedied. 0911 882/015610-0063 1 6 325173.02 AM02 '1 11.1.3 The injured party shall give written notice of default to the party in default, specifying the default complained of by the injured party. Except as required to protect against further damages, the injured party may not institute proceedings against the party in default until thirty (30) days after giving such notice. Failure or delay in giving such notice shall not constitute a waiver of any default, nor shall it change the time of default. 11.1.4 Except as otherwise provided in this Agreement, waiver by either party of the performance of any covenant, condition, or promise, shall not invalidate this Agreement, nor shall it be considered a waiver of any other covenant, condition, or promise. Waiver by either party of the time for performing any act shall not constitute a waiver of time for performing any other act or an identical act required to be performed at a later time. The delay or forbearance by either party in exercising any remedy or right as to any default shall not operate as a waiver of any default or of any rights or remedies or to deprive such party of its right to institute and maintain any actions or proceedings which it may deem necessary to protect, assert, or enforce any such rights or remedies. 11.2 Legal Actions. 11.2.1 Institution of Legal Actions. In addition to any other rights or remedies, and subject to the requirements of Section 11.1, either party may institute legal or equitable action to cure, correct or remedy any default, to recover damages for any default, or to obtain any other remedy consistent with the purpose of this Agreement; provided, however, that notwithstanding the foregoing, in no event shall Participant be entitled to damages related to economic loss, lost profits, or any other damages of like or similar kind or nature. Actions must be instituted and maintained in the Superior Court of the County of Riverside, State of California, in any other appropriate court in that county, or in the appropriate federal district court. 11.2.2 Applicable Law. The laws of the State of California shall govern the interpretation and enforcement of this Agreement. 11.2.3 Acceptance of Service of Process. In the event that any legal action is commenced by Participant against Agency, or by Agency against Participant, service of process shall be made in such manner as may be provided by California law for service on such entity. 11.3 Rights and Remedies are Cumulative. Except as otherwise expressly stated in this Agreement, the rights and remedies of the parties are cumulative, and the exercise by either party of one or more of its rights or remedies shall not preclude the exercise by it, at the same or different times, of any other rights or remedies for the same default or any other default by the other party. 11.4 Attorneys' Fees. If either party to this Agreement is required to initiate or defend any action or proceeding in any way arising out of the parties' agreement to, or performance of, this Agreement, or is made a party to any such action or proceeding by a third party, such that the parties hereto are adversarial, the prevailing party, as between the Participant and Agency, in such action or proceeding, in addition to any other relief which may be granted, whether legal or equitable, shall be entitled to its/their expert witness fees and reasonable attorneys' fees from the 094 882/015610-0063 325173.02 AM02 17 other. Attorneys' fees shall include attorneys' fees on any appeal, and in addition a party entitled to attorneys' fees shall be entitled to all other reasonable costs for investigating such action, taking depositions and discovery and all other necessary costs the court allows which are incurred in such litigation. All such fees shall be deemed to have accrued on commencement of such action and shall be enforceable whether or not such action is prosecuted to judgment. 12.0 MISCELLANEOUS. 12.1 Notices. Formal notices, demands, and communications between Agency and Participant shall be sufficiently given if (1) personally delivered, (ii) delivered by a reputable same -day or overnight courier service that provides a receipt showing date and time of delivery, (iii) delivered by United States mail, registered or certified, postage prepaid, return receipt requested, or (iv) delivered by facsimile transmission, provided the original of the faxed communication is delivered within twenty-four (24) hours by one of methods described in clauses (i), (ii), or (iii) of the foregoing. Delivery shall be made to the following addresses: If to Agency: La Quinta Redevelopment Agency 78-495 Calle Tampico La Quinta, CA 92253 Attn: Executive Director Fax: (760) 777-7101 With a copy to: Rutan & Tucker, LLP 611 Anton Boulevard, Suite 1400 Costa Mesa, CA 92626 Attn: M. Katherine Jenson, Esq. Fax: (714) 546-9035 If to Participant: Apartments at La Quinta Village, LP 1105 Quail Street Newport Beach, CA 92655 Attn: Victor Mahoney Fax: (949) 250-8574 With a copy to: Palmieri, Tyler, Wiener, Wilhelm & Waldron, LLP 2603 Main Street, Ste. 1300 P.O. Box 19712 Irvine, CA, 92014-0220 Attn: Robert Ihrke Fax: (949) 851-1554 Notices that are personally delivered, delivered by messenger/courier, or by fax (provided there is compliance with the terms of clause (iv) above) shall be deemed effective upon receipt. Notices delivered by mail shall be deemed effective upon the earlier of actual receipt by the addressee thereof or the expiration of forty-eight (48) hours after depositing in the United States Postal System in the manner described in this Section. Such written notices, demands, and OW 892/015610-0063 1 8 325173.02 AM02 communications may be sent in the same manner to such other addresses as a party may from time to time designate by mail. 12.2 Nonliabilit�of Agency Officials and Employees. No member, official, employee, or consultant of Agency shall be personally liable to Participant, or any successor in interest of Participant, in the event of any default or breach by Agency or for any amount which may become due to Participant or to its successor, or on any obligations under the terms of this Agreement. 12.3 Time of Essence. Time is of the essence in the performance of this Agreement. 12.4 Enforced Delay: Extension of Times of Performance. Notwithstanding the foregoing, in addition to specific provisions of this Agreement, performance by either party hereunder shall not be deemed to be in default where delays or defaults are due to war; insurrection; strikes; lock -outs; riots; floods; earthquakes; fires; casualties; supernatural causes; acts of the public enemy; epidemics; quarantine restrictions; freight embargoes; lack of transportation; governmental restrictions or priority litigation; unusually severe weather; inability to secure necessary labor, materials or tools; acts of the other party; acts or the failure to act of a public or governmental agency or entity (except that acts or the failure to act of Agency shall not excuse performance by Agency unless the act or failure is caused by the acts or omissions of Participant); or any other causes beyond the reasonable control or without the fault of the party claiming an extension of time to perform. In the event of such a delay (herein "Enforced Delay"), the party delayed shall continue to exercise commercially reasonable efforts to minimize the period of the delay. An extension of time for any such cause shall be limited to the period of the Enforced Delay, and shall commence to run from the time of the commencement of the cause, provided notice by the party claiming such extension is sent to the other party within fifteen (15) days following the commencement of the cause. The following shall not be considered as events or causes beyond the control of Participant, and shall not entitle Participant to an extension of time to perform: (i) Participant's failure to obtain financing for the Project, (ii) Participant's failure to negotiate agreements with prospective tenants or users for the Project, (iii) interest rates or (iv) economic or market conditions. Times of performance under this Agreement may also be extended by mutual written agreement by Agency and Participant. The Executive Director shall also have the authority on behalf of Agency to administratively approve extensions of time not to exceed a cumulative total of one (1) year. 12.5 Books and Records. 12.5.1 Maintenance of Books and Records. Participant shall prepare and maintain all books, records, and reports necessary to substantiate Participant's compliance with the terms of this Agreement. 12.5.2 Right to Inspect. Agency shall have the right, upon not less than twenty- four (24) hours' notice, at all reasonable times, to inspect the books and records of the Participant pertinent to the purposes of this Agreement. Said right of inspection shall not extend to documents privileged under attorney -client or other such privileges. 09f 882/015610-0063 1 325173.02 AM02 12.6 Ownership of Documents. Copies of all drawings, specifications, reports, records, documents and other materials prepared by Participant, its employees, agents and subcontractors, in the performance of this Agreement, which documents are in the possession of Participant and are not confidential or to which other persons have rights, shall be delivered to Agency upon request in the event of a termination of this Agreement, and Participant shall have no claim for additional compensation as a result of the exercise by Agency of their respective rights hereunder. Agency shall have an unrestricted right to use such documents and materials as if it were in all respects the owner of the same. Participant makes no warranty or representation regarding the accuracy or sufficiency of such documents for any future use by Agency, and Participant shall have no liability therefor. 12.7 Modifications. Any alteration, change or modification of or to this Agreement, in order to become effective, shall be made by written instrument or endorsement thereon and in each such instance executed on behalf of each party hereto. 12.8 Binding Effect of Agreement. This Agreement shall be binding upon and shall inure to the benefit of the parties hereto, their legal representatives, successors, and assigns. This Agreement shall likewise be binding upon and obligate the Site and the successors in interest, owner or owners thereof, and all of the tenants, lessees, sublessees, and occupants of such Site. 12.9 Severability. Wherever possible, each provision of this Agreement shall be interpreted in such a manner as to be effective and valid under applicable law. If, however, any provision of this Agreement shall be prohibited by or invalid under applicable law, such provision shall be ineffective to the extent of such prohibition or invalidity, without invalidating the remainder of such provision or the remaining provisions of this Agreement. 12.10 Interpretation. The terms of this Agreement shall be construed in accordance with the meaning of the language used and shall not be construed for or against either party by reason of the authorship of this Agreement or any other rule of construction which might otherwise apply. The Section headings are for purposes of convenience only, and shall not be construed to limit or extend the meaning of this Agreement. 12.11 Entire Agreement. This Agreement and all documents incorporated herein contain the entire understanding among the parties hereto relating to the transactions contemplated herein and all prior or contemporaneous agreements, understandings, representations, and statements, oral or written, are merged herein and shall be of no further force or effect. 12.12 Waiver; Amendments. All waivers of the provisions of this Agreement, unless specified otherwise herein, must be in writing and signed by the appropriate authorities of Agency or Participant, as applicable. No delay or omission by either party hereto in exercising any right or power accruing upon the compliance or failure of performance by the other party hereto under the provisions of this Agreement shall impair any such right or power or be construed to be a waiver thereof. A waiver by either party hereto of a breach of any of the covenants, conditions or agreements hereof to be performed by the other party shall not be construed as a waiver of any succeeding breach of the same or other covenants, agreements, 0% 882/015610-0063 325173.02 AM02 20 ry '� restrictions or conditions hereof. All amendments hereto must be in writing and signed by the appropriate authorities of Agency and Participant. 12.13 Counterparts. This Agreement may be executed in counterparts, each of which, when this Agreement shall have been signed by all the parties hereto, shall be deemed to be an original, and such counterparts shall constitute one and the same instrument. 12.14 Authority. Agency represents and warrants that: (i) it is a redevelopment agency duly organized and existing under the laws of the State of California; (ii) by proper action of Agency, Agency has been duly authorized to execute and deliver this Agreement, acting by and through its duly authorized officers; and (iii) the entering into this Agreement by Agency does not violate any provision of any other agreement to which Agency is a party. Participant represents and warrants that: (i) it is duly organized and existing under the laws of the State of California; (ii) by proper action of Participant, Participant has been duly authorized to execute and deliver this Agreement, acting by and through its duly authorized principals or officers; and (iii) the entering into this Agreement by Participant does not violate any provision of any other agreement to which Participant is a party to which consent has not been obtained. 12.15 Exhibits. This Agreement includes all exhibits and attachments attached hereto, which by this reference are incorporated in this Agreement in their entirety. This Agreement also includes the Redevelopment Plan and any other documents incorporated herein by reference, as though fully set forth herein. 12.16 Effective Date. The effective date of this Agreement shall be the latest of the dates set next to the signatures of the parties hereto after all the parties hereto have signed this Agreement, which latest date shall be inserted into the preamble to this Agreement. [END - SIGNATURE PAGE AND EXHIBITS FOLLOW] n91 882/015610-0063 325173.02 AM02 21) IN WITNESS WHEREOF, Agency and Participant have executed this Agreement as of the Effective Date. ATTEST: 1-2 Agency Secretary APPROVED AS TO FORM: RUTAN & TUCKER, LLP M. Attorneys for La Quinta Redevelopment Agency "AGENCY" LA QUINTA REDEVELOPMENT AGENCY, a public body, corporate and politic LIZA Thomas Genovese, Executive Director "PARTICIPANT" APARTMENTS AT LA QUINTA VILLAGE, LP, a California limited partnership By: Apartments at La Quinta Village, LLC, a California limited liability company Its: General Partner By: Cameo Homes, a California corporation Its: Managing Member By: J.C. Gianulias Its: President 0911 882/015610-0063 �� 325173.02 AM02 EXHIBIT "A" LEGAL DESCRIPTION OF THE SITE: Parcel 3 of Parcel Map 30721, recorded on October 23, 2002, in Book 203, Pages 30 through 31, of Parcel Maps, filed in the Office of the County Recorder of Riverside County, State of California. 1r)0 882/015610-0063 325173.02 AM02 i EXHIBIT "B" SITE MAP [SEE FOLLOWING PAGE] I n I- 882/015610-0063 325173.02 AM02 x [REPLACE THIS PAGE WITH SITE MAP] 882/015610-0063 325173.02 AM02 . J EXHIBIT "C" SCOPE OF DEVELOPMENT PROJECT LOCATION: The Project will be constructed on a 12-acre site near the intersection of Eisenhower Drive and Calle Tampico. PROJECT DESCRIPTION: The Project will consist of (i) 32 two-story, architecturally distinctive buildings, containing 200 one, two and three -bedroom for -lease units, ranging from 670 to 1,117 square feet, and (ii) a private recreation center, with a community room, fitness center, billiards room, resident business center, swimming pool and spa, and other recreational amenities, in a gated setting. Seventy-five of the units will be provided for moderate -income households (those earning between 80% and 120% of the median income for Riverside County). ARCHITECTURAL THEME: The architectural context of the Project will be predominated by an earth -tone color palette of whitewashed stucco over adobe brick with red tile roofs, consistent with the architectural expression of the historic La Quinta Resort and adjacent grounds. The home entries will be articulated as a focal point of a building's front elevation through the use of roof elements, columns, porticos, recesses, window treatments and other architectural features. LANDSCAPING: Indigenous, naturalized and drought -resistant plants have been selected for their appropriateness to the neighborhood architectural theme, climatic and soil conditions, and to facilitate ease of plant maintenance. CAMEO HOMES: The Project will be constructed by Cameo Homes, a Southern California Corporation that has been in the development business for more than 30 years. The dwelling units will be managed by Mesa Management, a subsidiary of Cameo Homes. 1()3 882/015610-0063 325173.02 AM02 EXHIBIT "D" SCHEDULE OF PERFORMANCE ITEM TIME FOR NO. ITEM OF PERFORMANCE PERFORMANCE REFERENCE 1. Participant submits evidence of Concurrent with or prior to § 8.0, Agency insurance required by Agency Effective Date of Agreement. Regulatory Regulatory Agreement. Agreement, § 7.0 2. Participant submits complete Not later than one hundred § 6.1.2, 6.1.3 application on Project to City, twenty (120) days after including all required preliminary Effective Date. and final drawings and permit applications, and City has approved same and is ready to issue building permits for the Project upon payment of fees, and Participant has obtained all permits and approvals required to commence construction of the Project. 3. Participant delivers to Agency for Not later than five (5) days § 3.2-3.3 recordation (as applicable) executed after the Effective Date. Agency Note, Agency Deed of Trust, and Agency Regulatory Agreement. 4. Agency disburses Agency Loan. Per terms of the Agreement. § 4.1 5. Participant commences construction Fourteen (14) days after § 6.2.5. of the Project. issuance of building pen -nits. 6. Participant completes construction Within twenty-four (24) § 6.1.5, 6.4. of the Project, obtains a certificate months after performance of of occupancy from the City (if Item No. 5. applicable), and requests Agency issuance of the Release of Construction Covenants. 7. Agency issues Release of Within fifteen (15) business § 6.4 Construction Covenants. days after Participant's request, if Participant is entitled thereto. 1n4 882/015610-0063 ry 325173.02 AM02 ITEM NO. ITEM OF PERFORMANCE TIME FOR PERFORMANCE REFERENCE 8. Agency cancels Agency Note and Within ten (10) business days § 4.2 reconveys Agency Deed of Trust. after Participant's completion of Item No. 7. 9. Participant submits annual report Not later than the September I Agency pursuant to Health and Safety Code following the June 30 end of Regulatory Section 33418 to Agency. each fiscal year for term of the Agreement, § 3.7 Regulatory Agreement. It is understood that this Schedule of Performance is subject to all of the terms and conditions of the text of the Agreement, including, but not limited to, the enforced delay provisions contained in Section 12.4. The summary of the items performance in this Schedule of Performance is not intended to supersede or modify the more complete description in the text; in the event of any conflict or inconsistency between this Schedule of Performance and the text of the Agreement, the text shall govern. 882/015610-0063 2 325173.02 AM02 EXHIBIT "E" AGENCY NOTE [SEE FOLLOWING PAGES] 882/015610-0063 325173.02 AM02 NOTE 2002 ("Note Date") $3,000,000 ("Loan Amount") FOR VALUE RECEIVED, the undersigned (herein, the "Maker") hereby promises to pay to the order of the LA QUINTA REDEVELOPMENT AGENCY, a public body, corporate and politic ("Holder" or "Agency"), at a place designated by Holder, the principal sum of THREE MILLION DOLLARS ($3,000,000) ("Note Amount"), plus accrued interest, or such lesser amount which shall from time to time be owing hereunder pursuant to the terms hereof. The principal sum hereof shall be disbursed pursuant to the terms and conditions set forth herein and in that certain Affordable Housing Agreement by and among Maker and Holder, dated ("AHA"), pertaining to Maker's redevelopment of certain real property defined in the AHA as the "Site." Reference is also made to the following additional agreements and documents, of even date herewith, involving Maker and Holder and/or pertaining to the Site: (i) Deed of Trust with Assignment of Rents by and between Maker as borrower, Holder as beneficiary, and as Trustee, and recorded in the Office of the Riverside County Recorder ("Agency Deed of Trust"). The Agency Deed of Trust partially secures repayment of this Note. (ii) Regulatory Agreement and Declaration of Covenants and Restrictions, by and between Maker and Holder, for the benefit of Holder, and recorded in the Office of the Riverside County Recorder ("Agency Regulatory Agreement"). The AHA, Agency Deed of Trust, and Agency Regulatory Agreement are referred to herein collectively as the "Agency Agreements." The Agency Agreements are incorporated herein as though fully set forth. Except as otherwise provided herein, the defined terms used in this Note shall have the same meaning as set forth in the AHA. 1. Purpose of Loan. The loan evidenced by this Note is a loan for the purpose of reimbursing Maker for a portion of Maker's Site acquisition costs and for assisting Maker with Maker's costs for constructing the Project on the Site in accordance with the AHA. 2. Principal Amount. The principal amount of this loan shall be THREE MILLION DOLLARS ($3,000,000) ("Loan Amount"). Simple interest shall accrue on the outstanding principal amount at seven percent (7%) per annum, compounded annually. Interest shall accrue as set forth in Section 4 in the event of a Maker default. 3. Disbursement of Agency Loan. 3.1 The Agency Loan shall be disbursed in four disbursements, in accordance with this Section 3. 3.2 A portion of the Agency Loan in the amount of Six Hundred Fifty Thousand Dollars ($650,000) ("Agency Acquisition Assistance") shall be disbursed to Maker to reimburse V'7 882/015610-0063 325173.02 AM02 Maker for a portion of Maker's purchase price for the Site. Maker has submitted to Holder evidence satisfactory to Holder that Maker has acquired fee title to the Site and certain adjacent property for the purchase price of Two Million Dollars ($2,000,000) and that the portion of said purchase price representing the purchase price for the Site is One Million Seven Hundred Thirty - Eight Thousand Three Hundred Fourteen Dollars ($1,738,314). Notwithstanding the Holder's acceptance of Maker's evidence, as set forth in the immediately preceding sentence, Maker represents and to Holder that all of said evidence submitted to Holder is true and correct. Maker agrees that if any of the evidence submitted to Holder is false or inaccurate, Maker shall promptly reimburse Holder for any amount of the Agency Acquisition Assistance for which Holder determines Maker was ineligible. Holder shall disburse the Agency Acquisition Assistance to Maker within fifteen (15) business days after Maker's satisfaction of all of the conditions to disbursement set forth in Section 3.6 below (except the condition set forth in Section 3.6(K)). 3.3 A portion of the Agency Loan in the amount of One Hundred Fifty Thousand Dollars ($150,000) ("Agency Architectural/Engineering Assistance") shall be disbursed to Maker to reimburse Maker for architectural and engineering costs Maker incurs in designing the Project. Once all conditions precedent to disbursement of the Agency Loan set forth in Section 3.6 below have been satisfied, Maker may obtain disbursement of the Agency Architectural/Engineering Assistance or portion thereof by (a) notifying Holder's Executive Director in writing of the amount required; (b) providing Holder with supporting documentation showing the architectural and engineering work performed and the actual cost thereof; and (c) providing Holder with unconditional waiver and releases in the form set forth in Civil Code Section 3262; provided, however, that Maker may obtain disbursement of the Agency Architectural/Engineering Assistance prior to such time that Maker has obtained all of the Approved Plans and Permits, as set forth in Section 3.6(K). If the requested disbursement is permitted under the terms of this Note, Holder's Executive Director shall promptly, but in no event later than fifteen (15) business days after Holder's receipt of all of the items listed in clauses (a)-(c) of this Section 3.3, effect payment directly to Maker by check. 3.4 A portion of the Agency Loan in the amount of One Million Eight Hundred Thousand Dollars ($1,800,000) ("Agency Sitework Assistance") shall be disbursed to Maker to reimburse Maker for permit fees Maker is required to pay to construct the Project and for costs Maker incurs in grading the Site and installing the wet and dry utility infrastructure necessary for the Project. Once all conditions precedent to disbursement of the Agency Loan set forth in Section 3.6 below have been satisfied, Maker may obtain disbursement of the Agency Sitework Assistance or portion thereof by (a) notifying Holder's Executive Director in writing of the amount required; (b) providing Holder with supporting documentation showing the sitework work performed and the actual cost thereof; and (c) providing Holder with unconditional waiver and releases in the form set forth in Civil Code Section 3262. If the requested disbursement is permitted under the terms of this Note, Holder's Executive Director shall promptly, but in no event later than fifteen (15) business days after Holder's receipt of all of the items listed in clauses (a)-(c) of this Section 3.4, effect payment directly to Maker by check. 3.5 A portion of the Agency Loan in the amount of Four Hundred Thousand Dollars ($400,000) ("Agency Completion Assistance") shall be disbursed, by check, to Maker within 1ng 882/015610-0063 2 325173.02 AM02 fifteen (15) business days after Maker completes construction of the Project, as evidenced by Holder's issuance to Maker of a Release of Construction Covenants. 3.6 The following shall be conditions precedent to Holder's disbursement of any portions of the Agency Loan: (A) Holder shall have executed the AFA; (B) Holder shall have accepted Agency's Title Policy for the Site, in accordance with Section 3.3 of the AFA. (C) Maker shall have timely submitted to the Executive Director of Holder and obtained approval from same, of Maker's evidence of insurance; (D) Maker shall have signed the Agency Regulatory Agreement and delivered same to Holder for recordation; (E) Maker shall have signed this Note and delivered same to Holder; (F) Maker shall have signed the Agency Deed of Trust and delivered same to Holder for recordation and filing; (G) Maker shall not be in default of its obligations under the AHA, this Note, or under the Agency Regulatory Agreement; (H) Maker shall not be in default of any of the terms and conditions of the Sale Escrow Instructions; (I) Owner shall have executed, and Maker shall have recorded, a subordination agreement, subordinating the Landaq Restrictions to the Agency Deed of Trust and Agency Regulatory Agreement; (J) Maker shall have obtained all of the necessary land use entitlements to construct the Project; and (K) Maker shall have timely obtained all of the Approved Plans and Permits, including, but not limited to, building permits to construct the Project (except that Maker may obtain disbursement of the Agency Acquisition Assistance and the Agency Architectural/Engineering Assistance prior to the time it satisfies this condition). 4. Term of Note; Repay. Repayment of the Loan Amount, as adjusted and redefined as the "Adjusted Loan Amount" pursuant to this Section 4, shall be through monthly installment repayment amounts. 4.1 Subject to the provisions of (a) Section 5 herein which provide for acceleration of the then outstanding principal and accrued interest and immediate payment thereof in the event of a default by Maker and (b) Sections 4.2 through 4.4 below, which provide for the cancellation of this Note in the event certain specified conditions are met: lol 882/015610-0063 325173.02 AM02 3 - J (A) Maker shall not be required to make any payments of principal or interest on this Note for a period of twenty-eight (28) months following the Note Date ("Grace Period"). (B) Maker agrees that interest shall accrue on any amounts of the Agency Loan that have been disbursed prior to the expiration of the Grace Period, and that as a result thereof, as of the first day of the next calendar month following expiration of the Grace Period (the "Repayment Commencement Date"), the outstanding principal and accrued interest to date due Holder on which payments are to be made shall be adjusted to reflect said accrual ("Adjusted Loan Amount"), and interest shall continue to accrue, on the Adjusted Loan Amount, at the rate of seven percent (7%) per annum, compounded annually. (C) Maker shall commence repayment of the Adjusted Loan Amount and interest thereon (at the rate specified in Paragraph 1) in sixty (60) equal monthly installments of an amount set forth in a repayment schedule to be prepared by Holder within sixty (60) days after the Holder's disbursement to Maker of the Agency Completion Assistance. 4.2 Notwithstanding the foregoing, this Note shall be deemed paid in full when Maker, through monthly payments, has repaid the Holder an amount equal to the Adjusted Loan Amount plus interest, as set forth in this Note. 4.3 Notwithstanding anything to the contrary herein, this Note shall be automatically cancelled, as evidenced by Holder's return to Maker of the original of this Note marked "cancelled," and the Deed of Trust shall be immediately reconveyed, at such time that Holder has issued a Release of Construction Covenants for the Project. 4.4 Maker shall have the right to prepay all or any portion of this Note at any time without penalty, and upon such repayment the Agency Deed of Trust shall be reconveyed. Prepayment shall not affect the Agency Regulatory Agreement or the term of the Agency Regulatory Agreement. 4.5 Any payments made by Maker in payment of this Note shall be applied in the following order: (i) first to the interest then accrued and due on the unpaid principal balance under this Note, (ii) second to reduction of the principal balance of this Note. 5. Default, Acceleration, Cross -Default. In the event: 5.1 Maker fails to timely make a payment required by this Note within ten (10) days following the due date of any payment due hereunder; or 5.1 Maker fails to timely make any other payment due hereunder; or 5.2 Maker is in material default of any of the covenants, terms, or provisions of this Note, any of the Agency Agreements, or any of the terms or conditions of the Sale Escrow Instructions and Maker fails to timely cure such default under the terms of the applicable agreement, it being understood and agreed by Maker that a default of this Note, or of any of the Agency Agreements or of the Sale Escrow Instructions shall be a default of all of the foregoing listed documents; 110 882/015610-0063 4 325173.02 AM02 then Maker shall be in default of this Note, and all portions of the Loan Amount that have been disbursed to Maker and all accrued interest thereon shall become immediately due and payable. The rate of interest applicable to periods of default for the defaults set forth in this Section 5 shall be calculated at the lesser of ten percent (10%) per annum or the maximum legal rate, and shall accrue as of the date such payment was originally due. 6. Collection Costs, Attorneys' Fees. If, because of any event of default under this Note or any of the Agency Agreements, any attorney is engaged by Holder to enforce or defend any provision of this instrument, whether or not suit is filed hereon, then Maker shall pay upon demand reasonable attorneys' fees, expert witness fees and all costs so incurred by Holder together with interest thereon until paid at the applicable rate of interest payable hereunder, as if such fees and costs had been added to the principal owing hereunder. 7. Waivers by Maker. Maker and all endorsers, guarantors and persons liable or to become liable on this Note waive presentment, protest and demand, notice of protest, demand and dishonor and nonpayment of this Note and any and all other notices or matters of a like nature, and consent to any and all renewals and extensions near the time of payment hereof and agree further that at any time and from time to time without notice, the terms of payment herein may be modified or the security described in any documents securing this Note released in whole or in part, or increased, changed or exchanged by agreement between Holder and any owner of the premises affected by said documents securing this Note, without in any way affecting the liability of any party to this Note or any persons liable or to become liable with respect to any indebtedness evidenced hereby. 7. Severability. The unenforceability or invalidity of any provision or provisions of this Note as to any persons or circumstances shall not render that provision or those provisions unenforceable or invalid as to any other provisions or circumstances, and all provisions hereof, in all other respects, shall remain valid and enforceable. 8. Modifications. Neither this Note nor any term hereof may be waived, amended, discharged, modified, changed or terminated orally; nor shall any waiver of any provision hereof be effective except by an instrument in writing signed by Maker and Holder. No delay or omission on the part of Holder in exercising any right hereunder shall operate as a waiver of such right or of any other right under this Note. 9. No Waiver by Holder. No waiver of any breach, default or failure of condition under the terms of this Note shall be implied from any failure of the Holder of this Note to take, or any delay be implied from any failure by the Holder in taking action with respect to such breach, default or failure from any prior waiver of any similar or unrelated breach, default or failure. 10. Usury. Notwithstanding any provision in this Note, the total liability for payment in the nature of interest shall not exceed the limit imposed by applicable laws of the State of California. 11. Nonassi ng ability. Maker may only Transfer (as that term is defined in the AHA) this Note in accordance with provisions and restrictions pertaining to a transfer of the AHA as set forth in the AHA. Holder may freely Transfer Holder's interest in this Note in any manner, at 11.1. 882/015610-0063 325173.02 AM02 5 Holder's sole discretion; provided, that at the time of such Transfer Holder also transfers the AHA to such transferee. 12. Governing Law. This Note has been executed and delivered by Maker in the State of California and is to be governed and construed in accordance with the laws thereof. 13. Time of Essence. Time is of the essence in the performance of the obligations and provisions set forth in this Note. IN WITNESS WHEREOF, Maker has executed this Note as of the Note Date. "MAKER" APARTMENTS AT LA QUINTA VILLAGE, LP, a California limited partnership By: Apartments at La Quinta Village, LLC, a California limited liability company Its: General Partner By: Cameo Homes, a California corporation Its: Managing Member By: J.C. Gianulias Its: President 882/015610-0063 325173.02 AM02 EXHIBIT "F" AGENCY DEED OF TRUST [SEE FOLLOWING PAGES] 882/015610-0063 325173.02 AM02 Recording Requested By And When Recorded Return to: La Quinta Redevelopment Agency 78-495 Calle Tampico La Quinta, CA 92253 Attn: Executive Director SPACE ABOVE THIS LINE FOR RECORDER'S USE EXEMPT FROM RECORDING FEE PER GOV. CODE § 6103 DEED OF TRUST WITH ASSIGNMENT OF RENTS AND RIDER ATTACHED HERETO NOTE: RIDER ATTACHED TO THIS DEED OF TRUST CONTAINING TERMS INCLUDING SECURITY AGREEMENT AND FIXTURE FILING. This DEED OF TRUST WITH ASSIGNMENT OF RENTS AND RIDER ATTACHED HERETO ("Deed of Trust"), is made I , between APARTMENTS AT LA QUINTA VILLAGE, LP, a California limited partnership, herein called TRUSTOR, whose address is 1105 Quail Street, Newport Beach, CA, 92658, , a California corporation, herein called TRUSTEE, and LA QUINTA REDEVELOPMENT AGENCY, a public body, corporate and politic, herein called BENEFICIARY. WITNESSETH: That Trustor grants to Trustee in trust, with power of sale, Trustor's estate, dated on or about the date hereof, in that property in the City of La Quinta, County of Riverside, State of California, described as: Parcel 3 of Parcel Map No. 30721, recorded on October 23, 2002, in Book 203, Pages 30 through 31, of Parcel Maps, filed in the Office of the County Recorder of Riverside County, State of California. together with the rents, issues and profits thereof, subject, however, to the right, power and authority hereinafter given to and conferred upon Beneficiary to collect and apply such rents, issues and profits for the purpose of securing (1) payment of the sum of THREE MILLION DOLLARS ($3,000,000), with interest thereon according to the terms of a promissory note or notes of even date herewith made by Trustor, payable to order of Beneficiary, and extensions or renewals thereof; (2) the performance of each agreement of Trustor incorporated by reference or contained herein; and (3) payment of additional sums and interest thereon which may hereafter be loaned to Trustor, or his successors or assigns, when evidenced by a promissory note or notes reciting that they are secured by this Deed of Trust. To protect the security of this Deed of Trust, and with respect to the Property above described, Trustor expressly makes each and all of the agreements, and adopts and agrees to perform and be bound by each and all of the terms and provisions set forth in subdivision A, and it is mutually agreed that each and all of the terms and provisions set forth in subdivision B of the fictitious deed of trust recorded in Orange County August 17, 1964, and in all other counties August 18, 1964, in the book and at the page of Official Records in the office of the county recorder of the county where said property is located, noted below opposite the name of such county, namely: COUNTY BOOK PAGE COUNTY BOOK PAGE COUNTY BOOK PAGE COUNTY BOOK PAGE Alameda 1288 556 Kings 858 713 Placer 1028 379 Sierra 38 187 Alpine 3 130-31 Lake 437 110 Plumas 166 1307 Siskiyou 506 762 Amador 133 438 Lassen 192 367 Riverside 3778 347 Solano 1287 621 Butte 1330 513 Los Angeles T-3878 874 Sacramento 5039 124 Sonoma 2067 427 Calaveras 185 338 Madera 911 136 San Benito 300 405 Stanislaus 1970 56 Colusa 323 391 Marin 1849 122 San Bernardino 6213 768 Sutter 655 585 Contra Costa 4684 1 Mariposa 90 453 San Francisco A-804 596 Tehama 457 183 Del Norte 101 549 Mendocino 667 99 San Joaquin 2855 283 Trinity 108 595 El Dorado 704 635 Merced 1660 753 San Luis Obispo 1311 137 Tulare 2530 108 Fresno 5052 623 Modoc 191 93 San Mateo 4778 175 Tuolumne 177 160 Glenn 469 76 Mono 69 302 Santa Barbara 2065 881 Ventura 2607 237 Humboldt 801 83 Monterey 357 239 Santa Clara 6626 664 Yolo 769 16 114 882/015610-0063 325173.02 AM02 'ry COUNTY BOOK PAGE COUNTY BOOK PAGE COUNTY BOOK PAGE COUNTY BOOK PAGE Imperial 1189 701 Napa 704 742 Santa Cruz 1638 607 Yuba 398 693 Inyo 165 672 Nevada 363 94 Shasta Soo 633 Kern 3756 690 Orange 7182 18 San Diego SERIES 5 Book 1964, Page 149774 shall inure to and bind the parties hereto, with respect to the property above described. Said agreements, terms and provisions contained in said subdivisions A and B (identical in all counties, and printed on pages 3 and 4 hereof) are by the within reference thereto, incorporated herein and made a part of this Deed of Trust for all purposes as fully as if set forth at length herein, and Beneficiary may charge for a statement regarding the obligation secured hereby, provided the charge therefor does not exceed the maximum allowed by law. The undersigned Trustor, requests that a copy of any notice of default and any notice of sale hereunder be mailed to him at his address hereinbefore set forth. SEE RIDER ATTACHED TO THIS DEED OF TRUST STATE OF CALIFORNIA COUNTY OF On before me, personally appeared JAMES GIANULIAS, personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose names(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signatures(s) on the instrument the person(s) or the entity upon behalf of which the person(s) acted, executed the instrument. WITNESS my hand and official seal. Signature (This area for official notarial seal) Signature of Trustor APARTMENTS AT LA QUINTA VILLAGE, LP, a California limited partnership By: Apartments at La Quinta Village, LLC, a California limited liability company Its: General Partner By: Cameo Homes, a California corporation Its: Managing Member By: J.C. Gianulias Its: President 882/015610-0063 2 325173.02 AM02 DO NOT RECORD The following is a copy of Subdivisions A and B of the fictitious Deed of Trust recorded in each county in California as stated in the foregoing Deed of Trust and incorporated by reference in said Deed of Trust as being a part thereof as if set forth at length therein. A. To protect the security of this Deed of Trust, Trustor agrees: I ) To keep said property in good condition and repair, not to remove or demolish any building thereon; to complete or restore promptly and in a good and workmanlike manner any building which may be constructed, damaged or destroyed thereon and to pay when due all claims for labor performed and materials furnished therefor, to comply with all laws affecting said property or requiring any alterations or improvements to be made thereon; not to commit or permit waste thereof, not to commit, suffer or permit any act upon said property in violation of law; to cultivate, irrigate, fertilize, fumigate, prune and do all other acts which from the character or use of said property may be reasonably necessary, the specific enumerations herein not excluding the general. 2) To provide, maintain and deliver to Beneficiary fire insurance satisfactory to and with loss payable to Beneficiary. The amount collected under any fire or other insurance policy may be applied by Beneficiary upon any indebtedness secured hereby and in such order as Beneficiary may determine, or at the option of Beneficiary the entire amount so collected or any part thereof maybe released to Trustor. Such application or release shall not cure or waive any default or notice of default hereunder or invalidate any act done pursuant to such notice. 3) To appear in and defend any action or proceeding purporting to affect the security hereof or the rights or powers of Beneficiary or Trustee; and to pay all costs and expenses, including cost of evidence of title and attorney's fees in a reasonable sum, in any such action or proceeding in which Beneficiary or Trustee may appear, and in any suit brought by Beneficiary to foreclose this Deed. 4) To pay: at least ten (10) days before delinquency all taxes and assessments affecting said property, including assessments on appurtenant water stock; when due, all encumbrances, charges and liens, with interest, on said property or any part thereof, which appear to be prior or superior hereto; all costs, fees and expenses of this Trust. Should Trustor fail to make any payment or to do any act as herein provided, then Beneficiary of Trustee, but without obligation so to do and without notice to or demand upon Trustor and without releasing Trustor from any obligation hereof, may: make or do the same is such manner and to such extent as either may deem necessary to protect the security hereof, Beneficiary or Trustee being authorized to enter upon said property for such purposes; appear in and defend any action or proceeding purporting to affect the security hereof or the rights or powers of Beneficiary or Trustee; pay, purchase, contest or compromise any encumbrance, charge or lien which in the judgment of either appears to be prior or superior hereto; and, in exercising any such powers, pay necessary expenses, employ counsel and pay his reasonable fees. 5) To pay immediately and without demand all sums so expended by Beneficiary or Trustee, with interest from the date of expenditure at the amount allowed by law in effect at the date hereof, and to pay for any statement provided for by law in effect at the date hereof regarding the obligation secured hereby any amount demanded by the Beneficiary not to exceed the maximum allowed by law at the time when said statement is demanded. B. It is mutually agreed: I) That any award in connection with any condemnation for public use of or injury to said property or any part thereof is hereby assigned and shall be paid to Beneficiary who may apply or release such moneys received by him in the same manner and with the same effect as above provided for disposition of proceeds of fire or other insurance. 2) That by accepting payment of any sum secured hereby after its due date, Beneficiary does not waive his right either to require prompt payment when due of all other sums so secured or to declare default for failure so to pay. 3) That at any time or from time to time, without liability therefor and without notice, upon written request of Beneficiary and presentation of this Deed and said note for endorsement, and without affecting the personal liability of any person for payment of the indebtedness secured hereby, Trustee may: reconvey any part of said property; consent to the making of any map or plat thereof; join in granting any easement thereon, or join in any extension agreement or any agreement subordinating the lien or charge hereof. 4) That upon written request of Beneficiary stating that all sums secured hereby have been paid, and upon surrender of this Deed and said note to Trustee for cancellation and retention or other disposition as Trustee in its sole discretion may choose and upon payment of its fees, Trustee shall reconvey, without warranty, the property then held hereunder. The recitals in such reconveyance of any matters or facts shall be conclusive proof of the truthfulness thereof. The Grantee in such reconveyance may be described as "the person or persons legally entitled thereto." 5) That as additional security, Trustor hereby gives to and confers upon Beneficiary the right, power and authority, during the continuance of these Trusts, to collect the rents, issues and profits of said property, reserving unto Trustor the right, prior to any default by Trustor in payment of any indebtedness secured hereby or in the performance of any agreement hereunder, to collect and retain such rents, issues and profits as they become due and payable. Upon any such default, Beneficiary may at any time without notice, either in person, by agent, or be a receiver to be appointed by a court, and without regard to the adequacy of any security for the indebtedness hereby secured, enter upon and take possession of said property or any part thereof, in his own name sue for or otherwise collect such rents, issues, and profits, including those past 1 1 ^ t1 882/015610-0063 `1 325173.02 AM02 due and unpaid, and apply the same, less costs and expenses of operation and collection, including reasonable attorney's fees, upon any indebtedness secured hereby, and in such order as Beneficiary may determine. The entering upon and taking possession of said property, the collecting of such rents, issues and profits and the application thereof as aforesaid, shall not cure or waive any default or notice of default hereunder or invalidate any act done pursuant to such notice. 6) That upon default by Trustor in payment of any indebtedness secured hereby or in the performance of any agreement hereunder, Beneficiary may declare all sums secured hereby immediately due and payable by delivery to Trustee of written declaration of default and demand for sale and of written notice of default and of election to cause to be sold said property, which notice Trustee shall cause to be filed for record. Beneficiary also shall deposit with Trustee this Deed, said note and all documents evidencing expenditures secured hereby. After the lapse of such time as may then be required by law following the recordation of said notice of default, and notice of sale having been given as then required by law, Trustee, without demand on Trustor, shall sell said property at the time and place fixed by it in said notice of sale, either as a whole or in separate parcels, and in such order as it may determine, at public auction to the highest bidder for cash in lawful money of the United States, payable at time of sale. Trustee may postpone sale of all or any portion of said property by public announcement at such time and place of sale, and from time to time thereafter may postpone such sale by public announcement at the time fixed by the preceding postponement. Trustee shall deliver to such purchaser its deed conveying the property so sold, but without any covenant or warranty, express or implied. The recitals in such deed of any matters or facts shall be conclusive proof of the truthfulness thereof. Any person, including Truster, Trustee, or Beneficiary as hereinafter defined, may purchase at such sale. After deducting all costs, fees and expenses of Trustee and of this Trust, including cost of evidence of title in connection with sale, Trustee shall apply the proceeds of sale to payment of: all sums expended under the terms hereof, not then repaid, with accrued interest at the amount allowed by law in effect at the date hereof; all other sums then secured hereby; and the remainder, if any, to the person or persons legally entitled thereto. 7) Beneficiary, or any successor in ownership of any indebtedness secured hereby, may from time to time, by instrument in writing, substitute a successor or successors to any Trustee named herein or acting hereunder, which instrument, executed by the Beneficiary and duly acknowledged and recorded in the office of the recorder of the county or counties where said property is situated shall be conclusive proof of proper substitution of such successor Trustee or Trustees, who shall, without conveyance from the Trustee predecessor, succeed to all its title, estate, rights, powers and duties. Said instrument must contain the name of the original Trustor, Trustee and Beneficiary hereunder, the book and page where this Deed is recorded and the name and address of the new Trustee. 8) That this Deed applies to, inures to the benefit of, and binds all parties hereto, their heirs, legatees, devisees, administrators, executors, successors and assigns. The term Beneficiary shall mean the owner and holder, including pledgees, of the note secured hereby, whether or not named as Beneficiary herein. In this Deed, whenever the context so requires, the masculine gender includes the feminine and/or neuter, and the singular number includes the plural. 9) That Trustee accepts this Trust when this Deed, duly executed and acknowledged, is made a public record as provided by law. Trustee is not obligated to notify any party hereto of pending sale under any other Deed of Trust or of any action or proceeding in which Trustor, Beneficiary or Trustee shall be a party unless brought by Trustee. DO NOT RECORD REQUEST FOR FULL RECONVEYANCE TO TRUSTEE: The undersigned is the legal owner and holder of the note or notes and of all indebtedness secured by the foregoing Deed of Trust. Said note or notes, together with all other indebtedness secured by said Deed of Trust, have been fully paid and satisfied; and you are hereby requested and directed, on payment to you of any sums owing to you under the terms of said Deed of Trust, to cancel said note or notes above mentioned, an all other evidences of indebtedness secured by said Deed of Trust delivered to you herewith, together with the said Deed of Trust, and to reconvey, without warranty, to the parties designated by the terms of said Deed of Trust, all the estate now held by you under the same. Dated Please mail Deed of Trust, Note and Reconveyance to Do Not lose or destroy this Deed of Trust OR THE NOTE which it secures. Both must be delivered to the Trustee for cancellation before reconveyance will be made. 11.7 882/015610-0063 r' 1 325173.02 AM02 RIDER TO SUBORDINATED DEED OF TRUST WITH ASSIGNMENT OF RENTS THIS RIDER TO DEED OF TRUST WITH ASSIGNMENT OF RENTS ("Rider") is executed this day of , by APARTMENTS AT LA QUINTA VILLAGE, LP, a California limited partnership, herein "Trustor," in favor of the LA QUINTA REDEVELOPMENT AGENCY, a public body, corporate and politic, herein "Beneficiary," the same parties to that certain form Deed of Trust With Assignment of Rents, of even date hereto, to which this Rider is attached. This Rider is made a part of and is incorporated into said Deed of Trust. This Rider shall supersede any conflicting term or provision of the form Deed of Trust to which it is attached. Reference is made to (i) that certain Note by and between Trustor and Beneficiary, dated on or about the date set forth above, the repayment of which by Trustor is secured by this Deed of Trust ("Agency Note"), and (ii) to the Agency Agreements which are described in the Agency Note. The parties hereto agree: 1. PropertX. The estate subject to this Deed of Trust is Trustor's fee estate in the real property legally described in the foregoing Deed of Trust to which this Rider is attached (the "Property"). 2. Obligations Secured. Trustor makes this grant and assignment for the purpose of securing the following obligations ("Secured Obligations"): a. Payment to Beneficiary of all indebtedness at any time owing under the terms of the Note; b. Payment and performance of all obligations of Trustor under this Deed of Trust; C. Payment and performance of all obligations of Trustor under the Agency Agreements. d. Payment and performance of all future advances and other obligations of Trustor or any other person, firm, or entity with the approval of Trustor, may agree to pay and/or perform (whether as principal, surety or guarantor) for the benefit of Beneficiary, when the obligation is evidenced by a writing which recites that it is secured by this Deed of Trust; and e. All modifications, extensions and renewals of any of the obligations secured hereby, however evidenced. 3. Obli atg ions. The term "obligations" is used herein in its broadest and most comprehensive sense and shall be deemed to include, without limitation, all interest and charges, prepayment charges, late charges and fees at any time accruing or assessed on any of the Secured Obligations. 1IS 882/015610-0063 325173.02 AM02 4. Subordination. Beneficiary agrees to subordinate this Deed of Trust to Trustor's construction loan, provided that (i) the maximum cumulative principal amount of the construction loan shall not exceed ninety percent (90%) of the lender's appraised value of the Property upon completion of the affordable housing project described in the Agency Agreements ("Project"), which amount shall be verified in writing to Beneficiary's Executive Director's reasonable satisfaction; (ii) the loan(s) shall obligate Trustor to expend loan proceeds for no other purpose than the Project; and (iii) the loan(s) shall provide that any notice of Trustor breach or default shall also be sent to the Beneficiary at the address listed in Section 10 and that upon receipt of such notice, Beneficiary shall have the right to (A) cure the noticed breach or default, (B) negotiate with the lender regarding the noticed breach or default, and (C) purchase the Property from Trustor subject to the construction lender's deed of trust, without the consent of Trustor or the holder of the construction lender's deed of trust, and that Beneficiary's exercise of the foregoing rights shall not, in and of itself, give rise to any right on the part of the lender to accelerate the amounts due under the loan. In agreeing to provide the subordination referred to in the preceding sentence, Beneficiary hereby incorporates the finding required to be made in accordance with Health and Safety Code Section 33334.14. 5. Incorporation. All terms of the Agency Note, Agency Agreements, and the Secured Obligations are incorporated herein by this reference. All persons who may have or acquire an interest in the Property shall be deemed to have notice of the terms of all of the foregoing documents. 6. Mortgagee -in -Possession. Neither the assignment of rents set forth in the Deed of Trust nor the exercise by Beneficiary of any of its rights or remedies hereunder shall be deemed to make Beneficiary a "mortgagee -in -possession" or otherwise liable in any manner with respect to the Property, unless Beneficiary, in person or by agent, assumes actual possession thereof. Nor shall appointment of a receiver for the Property by any court at the request of Beneficiary or by agreement with Trustor, or the entering into possession of the Property by such receiver, be deemed to make Beneficiary a "mortgagee -in -possession" or otherwise liable in any manner with respect to the Property. 7. No Cure. In the event Beneficiary collects and receives any rents under the Deed of Trust upon any default hereof, such collection or receipt shall in no way constitute a curing of the default. 8. Possession Upon Default. Upon the occurrence of and during the continuation of a default, Beneficiary, after having given notice and the applicable cure periods having expired with the default having not been cured (hereinafter, a "default"), may, at its option, without any action on its part being required and without in any way waiving such default, take possession of the Property in accordance with applicable law and have, hold, manage, lease and operate the same, on such terms and for such period of time as Beneficiary may deem proper, and may collect and receive all rents and profits, with full power to make, from time to time, all commercially reasonable alterations, renovations, repairs or replacements thereto as may seem proper to Beneficiary, and to apply such rents and profits to the payment of (a) the cost of all such alterations, renovations, repairs and replacements, and all costs and expenses incident to taking and retaining possession of the Property, and the management and operation thereof, and keeping the same properly insured; (b) all taxes, charges, claims, assessments, and any other 11.A 882/015610-0063 325173.02 AM02 2 h' liens which may be prior in lien or payment of the Note, and premiums for insurance, with interest on all such items; and (c) the indebtedness secured hereby, together with all costs and attorney's fees, in such order or priority as to any of such items as Beneficiary in its sole discretion may determine, any statute, law, custom or use to the contrary notwithstanding. Any amounts received by Beneficiary or its agents in the performance of any acts prohibited by the terms of this assignment, including, but not limited to, any amounts received in connection with any cancellation, modification or amendment of any lease prohibited by the terms of this assignment and any rents and profits received by Trustor after the occurrence of a default shall be held by Trustor as trustee for Beneficiary and all such amounts shall be accounted for to Beneficiary and shall not be commingled with other funds of the Trustor. Any person receiving any portion of such trust funds shall receive the same in trust for Beneficiary as if such person had actual or constructive notice that such funds were impressed with a trust in accordance therewith. 9. Receiver. In addition to any and all other remedies of Beneficiary set forth under this Deed of Trust or permitted at law or in equity, if a default shall have occurred, Beneficiary, to the extent permitted by law and without regard to the value, adequacy or occupancy of the security for the Note and other sums secured hereby, shall be entitled as a matter of right if it so elects to the appointment of a receiver to enter upon and take possession of the Property and to collect all rents and profits and apply the same as the court may direct, and such receiver may be appointed by any court of competent jurisdiction by ex parte application and without notice, notice of hearing being hereby expressly waived. The expenses, including receiver's fees, attorneys' fees, costs and agent's compensation, incurred pursuant to the power herein contained shall be secured by this Deed of Trust. 10. Notice to Beneficiary. Notices to Beneficiary shall be sent to Beneficiary addressed to: La Quinta Redevelopment Agency 78-495 Calle Tampico La Quinta, CA 92263 Attn: Executive Director [SIGNATURE ON NEXT PAGE] 882/015610-0063 325173:02 AM02 3 IN WITNESS WHEREOF, Trustor has executed this Rider on the date of Trustor's acknowledgment hereinbelow, to be effective for all purposes as of the day and year first set forth above. TRUSTOR: APARTMENTS AT LA QUINTA VILLAGE, LP, a California limited partnership By: Apartments at La Quinta Village, LLC, a California limited liability company Its: General Partner By: Cameo Homes, a California corporation Its: Managing Member By: J.C. Gianulias Its: President 882/015610-0063 4 325173.02 AM02 STATE OF CALIFORNIA ss. COUNTY OF On before me, , personally appeared , personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument the person(s) or the entity upon behalf of which the person(s) acted, executed the instrument. Witness my hand and official seal. Notary Public [SEAL] 882/015610-0063 325173.02 AM02 EXHIBIT "G" AGENCY REGULATORY AGREEMENT [SEE FOLLOWING PAGES] 882/015610-0063 n 325173.02 AM02� RECORDING REQUESTED BY AND WHEN RECORDED MAIL TO: La Quinta Redevelopment Agency 78-495 Calle Tampico La Quinta, CA 92253 Attn: Executive Director (Space Above This Line for Recorder's Office Use Only) (Exempt from Recording Fee per Gov. Code 6103) REGULATORY AGREEMENT AND DECLARATION OF COVENANTS AND RESTRICTIONS THIS REGULATORY AGREEMENT AND DECLARATION OF COVENANTS AND RESTRICTIONS ("Agreement") is made and entered into this day of , ("Effective Date"), by and between LA QUINTA REDEVELOPMENT AGENCY, a public body, corporate and politic ("Agency") and APARTMENTS AT LA QUINTA VILLAGE, LP, a California limited partnership ("Participant"). RECITALS: A. Participant is the owner of fee title to that certain real property more particularly described in Attachment No. 1, attached hereto and incorporated by reference herein (the "Site"). B. Pursuant to an Affordable Housing Agreement, by and between Participant and Agency, dated (the "AHA"), Agency has agreed to provide financial assistance to Participant in the sum of Three Million Dollars ($3,000,000) (the "Agency Loan") for the purpose of (i) reimbursing Participant for a portion of Participant's purchase price for the Site and (ii) Participant's subsequent construction thereon of a rental apartment complex (the "Project"). The ABA requires Participant to enter into this Agreement, which provides, among other requirements, that the rental and occupancy of not fewer than seventy-five (75) of the apartment units within the Project be rented to and occupied by persons and families whose household income does not exceed 120% of the median income for Riverside County, in effect from time to time. C. Reference is also made to the following documents, of even date herewith: (i) Note, by Participant as Maker and borrower in favor of the Agency as lender, ("Agency Note"). The Agency Note evidences the Agency Loan. (ii) Deed of Trust with Assignment of Rents, by and between Participant as borrower and Agency as beneficiary, and recorded in the Office of the Riverside County Recorder ("Agency Deed of Trust"). The Agency Deed of Trust partially secures repayment of the Agency Note. 124 882/015610-0063 3 325173.02 AM02 ' The AHA and both of the foregoing listed documents are referred to herein collectively as the "Agency Agreements." The Agency Agreements are incorporated herein as if fully set forth. D. Pursuant to the AHA and the Agency Agreements, Participant has agreed to rehabilitate the Site and develop thereon, and thereafter maintain, a rental housing project with not fewer than seventy-five (75) units restricted to rental and occupancy to persons and families whose household income does not exceed 120% of the median income for Riverside County. E. Agency and Participant now desire to place restrictions upon the use and operation of the Site, in order to ensure that the Site shall be operated continuously as a rental apartment complex in accordance with the terms hereof. AGREEMENT: NOW, THEREFORE, the Participant and Agency declare, covenant and agree, by and for themselves, their heirs, executors, administrators, successors and assigns, and all persons claiming under or through them, that, for a term equal to fifty-five (55) years commencing upon the date of the recordation of the Release of Construction Covenants for the Site in accordance with the AHA, as follows: 1.0 DEFINITIONS. 1.1 Riverside County Median Income. For purposes of this Agreement, the "Riverside County Median Income" as of any date shall be determined by reference to the regulations published by the California Department of Housing and Community Development pursuant to Health and Safety Code Section 50093, or its successor, as of such date. 1.2 Unit. As used in this Agreement, the term "Unit" or "unit" shall mean a rental apartment dwelling unit on the Site. 1.3 Restricted Unit. As used in this Agreement, the term "Restricted Unit" shall mean not fewer than seventy-five (75) Units to be rented to and occupied by Eligible Tenants. 1.4 Eligible Tenant. As used in this Agreement, the term "Eligible Tenant' shall refer to a Moderate Income Tenant. 1.5 Moderate Income. As used in this Agreement, the term "Moderate Income" shall mean household income, adjusted for family size, which does not exceed one hundred twenty percent (120%) of the Riverside County Median Income. 1.6 Moderate Income Tenant. As used in this Agreement, the term "Moderate Income Tenant' shall mean a tenant whose household income does not exceed Moderate Income and who is otherwise eligible to rent, and does rent, a Restricted Unit and thus is an Eligible Tenant for a Restricted Unit. 882/015610-0063 4 325173.02 AM02 1.7 Affordable Rent. As used in this Agreement, the term "Affordable Rent" shall mean an annual rent amount that does not exceed the maximum percentage of income that can be devoted to rent by a Moderate Income Tenant as set by California law. 1.8 Unrestricted Unit. As used in this Agreement, the term "Unrestricted Unit" shall mean a Unit that is not a Restricted Unit, i.e., a Unit that is not subject to the affordability covenants that apply to the Restricted Units. 2.0 RESIDENTIAL RENTAL PROPERTY. 2.1 Construction of the Project on the Site. Participant shall construct the Project on the Site in accordance with the Agency Agreements, including the Schedule of Performance set forth in the AHA, for the purpose of providing the Restricted Units described herein and in the Agency Agreements. The Project shall be owned, managed, and operated as a rental apartment project, with not fewer than seventy-five (75) Units rented and occupied as Restricted Units as provided in this Agreement. 2.2 Facilities. All of the dwelling units in the Project shall contain facilities for living, sleeping, eating, cooking and sanitation in accordance with the this Agreement, the AHA, the Agency Agreements, and all of the permits and approvals for the Project. 2.3 Residential Use. Without the Agency's prior written consent, which consent may be given or withheld in its sole and absolute discretion, none of the dwelling units in the Project will at any time be utilized on a transient basis or will ever be used as a hotel, motel, dormitory, fraternity house, sorority house, rooming house, nursing home, hospital, sanitarium, or trailer court or park, nor shall the Units be used for day care facilities or as a place of business except as may otherwise be allowed by applicable law. 2.4 Conversion of Units. No part of the Project will at any time be owned by a cooperative housing corporation, nor shall the Participant take any steps in connection with the conversion to such ownership or uses to condominiums, or to any other form of ownership, without the prior written approval of Agency which approval may be given or withheld in its sole and absolute discretion. 2.5 Preference to Eligible Tenants. All of the dwelling units will be available for rental in accordance with the terms of this Agreement, and the Participant shall not give preference to any particular class or group in renting the dwelling units in the Project, except to the extent that the Restricted Units are required to be leased or rented to Eligible Tenants and except as provided in Section 3.5 below. 2.6 Resident Manager and Staff Units. A resident manager or staff unit or units may be counted as a Restricted Unit only if the tenants of such Unit(s) are Eligible Tenants. 2.7 Liability of Participant. Participant and any manager it employs shall not incur any liability under this Agreement as a result of fraud or intentional misrepresentation by a tenant. 882/015610-0063 5 !1 325173.02 AM02 3.0 OCCUPANCY OF RESTRICTED UNITS BY ELIGIBLE TENANTS. Participant hereby represents, warrants, and covenants as follows: 3.1 Occupancy Levels. Except as expressly provided herein, throughout the term of this Agreement, the Restricted Units shall be continuously occupied or held vacant and available for occupancy by Eligible Tenants. 3.2 Rental Rates. Participant hereby agrees to and shall rent Restricted Units occupied by Eligible Tenants at no greater than Affordable Rent. 3.3 Occupancy By Eligible Tenant. A Restricted Unit occupied by an Eligible Tenant who qualified as a Moderate Income Tenant at the commencement of the occupancy shall be treated as occupied by an Eligible Tenant at such income level until a recertification of such Eligible Tenant's income in accordance with Section 3.7 below demonstrates that such tenant no longer qualifies as an Eligible Tenant at that income level. A Restricted Unit previously occupied by an Eligible Tenant and then vacated shall be considered occupied by an Eligible Tenant until the Restricted Unit is reoccupied, provided Participant notifies Agency in writing of such vacancy within five (5) business days thereafter, and uses its commercially reasonable efforts to re -lease the vacant Restricted Unit to an Eligible Tenant. Any vacated Restricted Unit shall be held vacant until re -leased to an Eligible Tenant, unless there are sufficient numbers of Eligible Tenants then leasing and occupying Units. 3.4 Income Computation Certificate. Immediately prior to an Eligible Tenant's occupancy of a Restricted Unit, Participant shall obtain and maintain on file an Income Computation and Certification form (which form shall be approved in advance by the Agency Executive Director) from each such Eligible Tenant dated immediately prior to the date of initial occupancy in the Project by such Eligible Tenant. In addition, Participant shall provide such further information as may be required in the future by the Agency for purposes of verifying a tenant's status as an Eligible Tenant. Participant shall use its best efforts to verify that the income provided by an applicant is accurate by taking the following steps as a part of the verification process: (i) obtain three (3) pay stubs for the most recent pay periods; (ii) obtain a written verification of income and employment from applicant's current employer; (iii) obtain an income verification form from the Social Security Administration and/or California Department of Social Services if the applicant receives assistance from either agency; (iv) if an applicant is unemployed or did not file a tax return for the previous calendar year, obtain other verification of such applicant's income as is satisfactory to the Agency; and (v) obtain such other information as may be requested by the Agency. A copy of each such Income Computation and Certification shall be filed with the Agency prior to the occupancy of a Restricted Unit by an Eligible Tenant whenever possible, but in no event more than thirty (30) days after initial occupancy by said tenant. 3.5 Rental Priority. During the term of this Agreement, Participant shall use its reasonable commercial efforts to lease Restricted Units to credit -worthy Eligible Tenants in the following order of priority: (i) displaced persons entitled to a preference pursuant to California Health and Safety Code Section 33411.3 or successor statute; and (ii) other persons meeting the eligibility requirements of this Agreement. Participant shall, and Agency may, maintain a list 882/015610-0063 325173.02 AM02 (the "Housing List") of persons who have notified Participant and/or Agency of their desire to rent a Restricted Unit in the Project and who have incomes which would qualify them as an Eligible Tenant, and Participant shall offer to rent units on the above -referenced priority basis. Should multiple tenants be equally eligible (as to income, credit history, and other nondiscriminatory criteria) and qualified to rent a unit, Participant shall rent available Restricted Units to Eligible Tenants on a first -come, first -served basis. 3.6 Recertification. Immediately prior to the first anniversary date of the occupancy of a Restricted Unit by an Eligible Tenant, and on each anniversary date thereafter, Participant shall recertify the income of such Eligible Tenant by obtaining a completed Income Computation and Certification based upon the current income of each occupant of the Restricted Unit. If, upon recertification, the occupants do not qualify as an Eligible Tenant (or the occupants fail to provide a completed Income Computation and Certification to Participant) such occupants may be allowed to remain but their Unit shall be redesignated as an Unrestricted Unit. In that event, Participant shall (i) redesignate the next vacant Unrestricted Unit as a Restricted Unit; (ii) notify Agency in writing that it is redesignating such vacant Unrestricted Unit as a Restricted Unit, and (iii) thereafter rent such redesignated unit to an Eligible Tenant; provided, however, that Participant shall not be required to redesignate the next vacant Unrestricted Unit as a Restricted Unit if, prior to the time an Unrestricted Unit becomes vacant, Participant identifies an occupant of an Unrestricted Unit as qualifying as an Eligible Tenant, completes an Income Computation Certificate and any other required documentation to confirm that such occupant(s) is an Eligible Tenant, redesignates that unit as a Restricted Unit, and notifies the Agency in writing of such redesignation. Participant shall provide the Agency with a copy of each such recertification with the next submission of Certificate of Continuing Program Compliance pursuant to Section 3.7. Each lease agreement with an Eligible Tenant shall reference this Section and inform such Eligible Tenant of the recertification requirements herein and the ramifications for failing to comply therewith. 3.7 Certificate of ContinuingProuam Compliance. Upon the issuance of the Release of Construction Covenants, and by September 1 following the end of the immediately preceding fiscal year ending on June 1, Participant shall annually advise the Agency of the occupancy of the Project by delivering a Certificate of Continuing Program Compliance in the form required by Agency (or complying with this section if no form is provided), stating (i) the dwelling units of the Project which were Restricted Units during such period and (ii) that to the knowledge of Participant either (a) no unremedied default has occurred under this Agreement, or (b) a default has occurred, in which event the Certificate shall describe the nature of the default and set forth the measures being taken by the Participant to remedy such default. Participant shall pay to Agency an annual fee pursuant to Health and Safety Code Section 33418(c) which shall not exceed FIVE HUNDRED DOLLARS ($500) as such amount shall be permitted to increase by the Consumer Price Index ("CPI") published by the United States Department of Labor, Bureau of Labor Statistics, for Urban Wage Earners and Clerical Workers, Los Angeles -Long Beach - Anaheim Average, All Items (1984=100), from and after the date of this Agreement, or, if the CPI is discontinued, such official index as may then be in existence and which is most nearly equivalent to the CPI. 3.8 Maintenance of Records. Participant shall maintain complete and accurate records pertaining to the Units, and shall permit any duly authorized representative of the 882/015610-0063 325173.02 AM02 Agency to inspect the books and records of Participant pertaining to the Project including, but not limited to, those records pertaining to the occupancy of the Restricted Units. 3.9 Reliance on Tenant Representations. Each tenant lease shall contain a provision to the effect that Participant has relied on the income certification and supporting information supplied by the tenant in determining qualification for occupancy of the unit, and that any material misstatement in such certification (whether or not intentional) will be cause for immediate termination of such lease. 3.10 Remedy For Excessive Rent Charge. 3.10.1 It shall constitute a default for Participant to charge or accept for a Restricted Unit rent amounts in excess of the amount provided for in Section 3.2 of this Agreement. In the event that Participant charges or receives such higher rental amounts, in addition to any other remedy Agency shall have for such default, Participant shall be required to pay to Agency an amount equal to two (2) times the entire amount of rent received in excess of the amount permitted pursuant to this Agreement. 3.10.2 It shall constitute a default for Participant to rent any Restricted Unit to a tenant who is not an Eligible Tenant. In the event Participant rents a Restricted Unit to an ineligible tenant, in addition to any other equitable remedy Agency shall have for such default, Participant, for each separate violation, shall be required to pay to Agency an amount equal to (i) two times the greater of (A) the total rent Participant received from such ineligible tenant, or (B) the total rent Participant was entitled to receive for renting that Restricted Unit, plus (ii) any relocation expenses incurred by Agency or the City of La Quinta as a result of Participant having rented to such ineligible person. 3.10.3 It shall constitute a default for Participant to rent any of the Restricted Units in violation of the leasing preference requirements of Sections 3.5 of this Agreement. In the event Participant rents a unit in violation of the leasing preference requirements, in addition to any other equitable remedy Agency shall have for such default, Participant, for each separate violation, shall be required to pay Agency an amount equal to two (2) months of rental charges. The terms of this Section shall not apply if Participant rents to an ineligible person as a result of such person's fraud or misrepresentation. THE PARTIES HERETO AGREE THAT THE AMOUNTS SET FORTH IN SECTION 3.10 (THE "DAMAGE AMOUNTS") CONSTITUTE A REASONABLE APPROXIMATION OF THE ACTUAL DAMAGES THAT AGENCY WOULD SUFFER DUE TO THE DEFAULTS BY PARTICIPANT SET FORTH IN SECTIONS 3.10.1 THROUGH 3.10.3, CONSIDERING ALL OF THE CIRCUMSTANCES EXISTING ON THE EFFECTIVE DATE OF THIS AGREEMENT, INCLUDING THE RELATIONSHIP OF THE DAMAGE AMOUNTS TO THE RANGE OF HARM TO AGENCY AND ACCOMPLISHMENT OF AGENCY'S PURPOSE OF ASSISTING IN THE PROVISION OF AFFORDABLE HOUSING TO ELIGIBLE TENANTS THAT REASONABLY COULD BE ANTICIPATED AND THE ANTICIPATION THAT PROOF OF ACTUAL DAMAGES WOULD BE COSTLY OR 882/015610-0063 325173.02 AM02 g r) INCONVENIENT. THE AMOUNTS SET FORTH IN THIS SECTION 3.10 SHALL BE THE SOLE MONETARY DAMAGES REMEDY FOR THE DEFAULTS SET FORTH IN THIS SECTION 3.10, BUT NOTHING IN THIS SECTION 3.10 SHALL BE INTERPRETED TO LIMIT AGENCY'S REMEDY FOR SUCH DEFAULT TO SUCH A DAMAGES REMEDY AND IN THAT REGARD AGENCY MAY DECLARE A DEFAULT UNDER THE TERMS OF THE NOTE OR OTHER OF THE AGENCY AGREEMENTS. IN PLACING ITS INITIAL AT THE PLACES PROVIDED HEREINBELOW, EACH PARTY SPECIFICALLY CONFIRMS THE ACCURACY OF THE STATEMENTS MADE ABOVE AND THE FACT THAT EACH PARTY HAS BEEN REPRESENTED BY COUNSEL WHO HAS EXPLAINED THE CONSEQUENCES OF THE LIQUIDATED DAMAGES PROVISION AT OR PRIOR TO THE TIME EACH EXECUTED THIS AGREEMENT. PARTICIPANT'S INITIALS: AGENCY'S INITIALS: 4.0 MAINTENANCE. 4.1 Maintenance Obligation. Participant agrees to and shall maintain all interior and exterior improvements, including landscaping, on the Site in good condition and repair (and, as to landscaping, in a healthy condition) and in accordance with all of the permits and approvals for the Project, and all other applicable laws, rules, ordinances, orders, and regulations of all federal, state, county, municipal, and other governmental agencies and bodies having or claiming jurisdiction and all their respective departments, bureaus, and officials. Agency places prime importance on quality maintenance to protect its investment and to ensure that all Agency - assisted affordable housing projects within the City are not allowed to deteriorate due to below - average maintenance. Normal wear and tear of the Site improvements will be acceptable to Agency assuming Participant agrees to perform all necessary Site improvements to assure the Site is maintained in good condition. Maintenance requirements shall include that: (a) no improperly maintained landscaping shall be visible from public rights -of -way, including (i) no lawns with grasses in excess of six (6) inches in height, (ii) no trees, shrubbery, lawns, and other plant life dying from lack of water or other necessary maintenance, (iii) no trees, hedges, or shrubbery grown uncontrolled without proper pruning, (iv) no vegetation so overgrown as to be likely to harbor rats or vermin, and (v) no dead, decayed, or diseased trees, weeds, and/or other vegetation; (b) no yard areas shall be left unmaintained, including (i) no broken or discarded furniture, appliances, or other household equipment stored in yard areas for periods exceeding one (1) week, (ii) no packing boxes, lumber, trash, dirt, or other debris stored in yards for periods exceeding one (1) week in areas visible from public property or neighboring properties, (iii) no unscreened trash cans, bins, or containers stored for unreasonable periods in areas visible from public property or neighboring properties, and (iv) no vehicles parked or stored in areas other than approved parking areas; (c) no buildings may be left in an unmaintained condition, including (i) no violations of state law, Uniform Codes, or City ordinances, (ii) no condition that constitutes an unsightly appearance that detracts from the aesthetics or property value of the subject property or constitutes a private or public nuisance, (iii) no broken windows or chipped, cracked, or peeling paint, (iv) no conditions constituting hazards and/or inviting trespassers or 882/015610-0063 9 325173.02 AM02 malicious mischief, and (v) no graffiti or accumulation of waste or debris. Participant shall make all repairs and replacements necessary to keep the improvements in good condition and repair and shall promptly eliminate all graffiti and replace dead and diseased plants and landscaping with comparable approved materials. In the event that Participant breaches any of the covenants contained in this Section and Participant does not commence to cure such breach within five (5) days after written notice from Agency (with respect to graffiti, debris, waste material, landscaping, and general maintenance) or thirty (30) days after written notice from Agency (with respect to building improvements), and after commencing the cure to diligently prosecute such cure to completion, then Agency, in addition to whatever other remedy it may have at law or in equity, shall have the right, but not the obligation, to enter upon the Site and perform all acts and work necessary to protect, maintain, and preserve the improvements and landscaped areas on the Site, and to attach a lien on the Site, or to assess the Site, in the amount of the expenditures arising from such acts and work of protection, maintenance, and preservation by Agency and/or costs of such cure, including a fifteen percent (15%) administrative charge, which amount shall be promptly paid by Participant to Agency upon demand. 4.2 Lien. If the costs incurred pursuant to Section 4.1 are not reimbursed within thirty (30) days after Participant's receipt of notice thereof, the same shall be deemed delinquent, and the amount thereof shall bear interest thereafter at a rate of ten percent (10%) per annum until paid. Any and all delinquent amounts, together with said interest, costs and reasonable attorney's fees, shall be a lien and charge, with power of sale, upon the property interests of Participant, and the rents, issues and profits of such property. Agency may bring an action at law against Participant to pay any such sums or foreclose the lien against Participant's property interests. Any such lien may be enforced by sale by the Agency following recordation of a Notice of Default of Sale given in the manner and time required by law as in the case of a deed of trust; such sale to be conducted in accordance with the provisions of Section 2924, et sue., of the California Civil Code, applicable to the exercise of powers of sale in mortgages and deeds of trust, or in any other manner permitted by law. No lien recorded by Agency pursuant to this Section 4.2 shall defeat or render invalid the lien of any senior mortgage or deed of trust. 5.0 MANAGEMENT. 5.1 Gross Mismanagement. In the event of "Gross Mismanagement" (as that term is defined below) of the Project, Agency shall have the authority to require that such Gross Mismanagement cease immediately, and further to require the immediate replacement of the manager. Agency shall provide written notice to Participant of the event(s) of Gross Mismanagement occurring and Participant shall have five (5) business days after receipt of such notice to commence to cure, correct, or remedy the event(s) of Gross Mismanagement identified in the Agency's notice and to notify the Agency's Executive Director of the steps taken to effect such cure, correction, or remedy, and upon commencing such cure, correction, or remedy to thereafter diligently prosecute such cure, correction, or remedy to completion. For purposes of this Agreement the term "Gross Mismanagement" shall mean management of the Project in a manner which violates the terms and/or intention of this Agreement to operate an affordable rental housing complex of the highest standard, and shall include, but is not limited to, the following: 131 882/015610-0063 1 325173.02 AM02 5.1.1 Knowingly leasing Restricted Units to ineligible tenants or tenants whose income exceeds the prescribed levels; 5.1.2 Knowingly allowing the tenants to exceed permitted occupancy levels without taking immediate steps to stop such overcrowding; 5.1.3 Failing to timely maintain the Project and the Site in the manner required by this Agreement or failing to submit materially complete reports; 5.1.4 Failing to timely submit the reports as required by this Agreement; 5.1.5 Fraud in connection with any document or representation relating to this Agreement or embezzlement of Project monies; and 5.1.6 Failing to fully cooperate with law enforcement in maintaining a crime - free environment on the Site. 5.2 Lease Approval. The initial form lease agreement to be used by Participant for the rental of any of the Units ("Lease Agreement"), and any changes to such form Lease Agreement regarding the provisions required by Section 3.6 and Section 3.9 to be included in the form Lease Agreement shall be reasonably approved in advance by Agency's Executive Director prior to the initial use of the lease form and prior to the first use of the changed form. 6.0 COMPLIANCE WITH LAWS, ENVIRONMENTAL MATTERS. 6.1 Compliance With Laws. Participant shall comply with (i) all ordinances, regulations and standards of the City, Agency, County of Riverside, any regional governmental entity, State of California, and federal government applicable to the Property; (ii) all rules and regulations of any assessment district of the City with jurisdiction over the Property; and (iii) all applicable labor standards of California law and federal law, including the payment of prevailing wages; and (iv) the requirements of California law and federal law with respect to the employment of undocumented workers or illegal aliens. 6.2 Environmental Matters. 6.2.1 Definitions. For the purposes of this Agreement, unless the context otherwise specifies or requires, the following terms shall have the meanings herein specified: 6.2.1.1 The term "Hazardous Materials" shall mean any substance, material, or waste which is or becomes regulated by any local governmental authority, the County of Riverside, the State of California, a regional governmental authority, or the United States Government, including, but not limited to, any material or substance which is (i) defined as a "hazardous waste," "extremely hazardous waste," or "restricted hazardous waste" under Section 25115, 25117 or 25122.7, or listed pursuant to Section 25140 of the California Health and Safety Code, Division 20, Chapter 6.5 (Hazardous Waste Control Law)), (ii) defined as a "hazardous substance" under Section 25316 of the California Health and Safety Code, Division 20, Chapter 6.8 (Carpenter -Presley -Tanner Hazardous Substance Account Act), (iii) defined as a "hazardous material," "hazardous substance," or "hazardous waste" under Section 25501 of the �A 882/015610-0063 1 1 325173.02 AM02 .. J California Health and Safety Code, Division 20, Chapter 6.95 (Hazardous Materials Release Response Plans and Inventory), (iv) defined as a "hazardous substance" under Section 25281 of the California Health and Safety Code, Division 20, Chapter 6.7 (Underground Storage of Hazardous Substances), (v) petroleum, (vi) friable asbestos, (vii) polychlorinated byphenyls, (viii) listed under Article 9 or defined as "hazardous" or "extremely hazardous" pursuant to Article 11 of Title 22 of the California Administrative Code, Division 4, Chapter 20, (ix) designated as "hazardous substances" pursuant to Section 311 of the Clean Water Act (33 U.S.C. 1317), (x) defined as a "hazardous waste" pursuant to Section 1004 of the Resource Conservation and Recovery Act, 42 U.S.C. 6901 et M. (42 U.S.C. 6903) or (xi) defined as "hazardous substances" pursuant to Section 101 of the Comprehensive Environmental Response, Compensation, and Liability Act, 42 U.S.C. 9601 et se . 6.2.1.2 The term "Hazardous Materials Contamination" shall mean the contamination (whether presently existing or hereafter occurring) of the improvements, facilities, soil, groundwater, air or other elements on, in or of the Site by Hazardous Materials, or the contamination of the buildings, facilities, soil, groundwater, air or other elements on, in or of any other property as a result of Hazardous Materials at any time emanating from the Site. 6.2.1.3 The term "Governmental Requirements" shall mean all past, present and future laws, ordinances, statutes, codes, rules, regulations, orders and decrees of the United States, the state, the county, the city, or any other political subdivision in which the Site is located, and any other state, county city, political subdivision, agency, instrumentality or other entity exercising jurisdiction over the Site. 6.2.2 Indemnity. Participant shall save, protect, defend, indemnify and hold harmless Agency and the City and their respective officers, officials, members. employees, agents, and representatives from and against any and all liabilities, suits, actions, claims, demands, penalties, damages (including, without limitation, penalties, fines and monetary sanctions), losses, costs or expenses (including, without limitation, consultants' fees, investigation and laboratory fees, reasonable attorneys' fees and remedial and response costs) (the foregoing are hereinafter collectively referred to as "Liabilities") which may now or in the future be incurred or suffered by Agency or City or their respective officers, officials, members, employees, agents, or representatives by reason of, resulting from, in connection with, or existing in any manner whatsoever as a direct or indirect result of (i) Participant's placement on or under the Site of any Hazardous Materials or Hazardous Materials Contamination on or after the date of this Agreement, (ii) the escape, seepage, leakage, spillage, discharge, emission or release from the Site of any Hazardous Materials or Hazardous Materials Contamination on or after the date of this Agreement, or (iii) any Liabilities incurred under any Governmental Requirements relating to the acts described in the foregoing clauses (i) and (ii). 6.3 Duty to Prevent Hazardous Material Contamination. Participant shall take commercially reasonable action to prevent the release of any Hazardous Materials into the environment. Such precautions shall include compliance with all Governmental Requirements with respect to Hazardous Materials. In addition, Participant shall install and utilize such equipment and implement and adhere to such procedures as are consistent with the standards generally applied by apartment complexes in Riverside County, California as respects the disclosure, storage, use, removal, and disposal of Hazardous Materials. 882/015610-0063 1 2 n 325173.02 AM02 6.4 Obligation of Participant to Remediate Premises. Notwithstanding the obligation of Participant to indemnify Agency, City, and their respective officers, officials, members, employees, agents, and representatives pursuant to Section 6.2.2, Participant shall, at its sole cost and expense, promptly take (i) all actions required by any federal, state, regional, or local governmental agency or political subdivision or any Governmental Requirements and (ii) all actions necessary to make full economic use of the Site for the purposes contemplated by this Agreement and the AHA, which requirements or necessity arise from the presence upon, about or beneath the Site of any Hazardous Materials or Hazardous Materials Contamination for which Participant is responsible. Such actions shall include, but not be limited to, the investigation of the environmental condition of the Site, the preparation of any feasibility studies or reports and the performance of any cleanup, remedial, removal or restoration work. 6.5 Environmental Inquiries. Participant, when it has received any notices of violation, notices to comply, citations, inquiries, clean-up or abatement orders, or cease and desist orders related to Hazardous Materials or Hazardous Materials Contamination, or when Participant is required to report to any governmental agency any violation or potential violation of any Governmental Requirement pertaining to Hazardous Materials or Hazardous Materials Contamination, shall concurrently notify Agency's Executive Director, and provide to him/her a copy or copies, of the environmental permits, disclosures, applications, entitlements or inquiries relating to the Site, the notices of violation, notices to comply, citations, inquiries, clean-up or abatement orders, cease and desist orders, reports filed pursuant to self -reporting requirements, and reports filed or applications made pursuant to any Governmental Requirement relating to Hazardous Materials and underground tanks, and Participant shall report to the Executive Director, as soon as possible after each incident, any unusual, potentially important incidents. In the event of a responsible release of any Hazardous Materials into the environment, Participant shall, as soon as possible after it becomes aware of the release, furnish to the Executive Director a copy of any and all reports relating thereto and copies of all correspondence with governmental agencies relating to the release. Upon request of the Executive Director, Participant shall furnish to the Executive Director a copy or copies of any and all other environmental entitlements or inquiries relating to or affecting the Site including, but not limited to, all permit applications, permits and reports including, without limitation, those reports and other matters which may be characterized as confidential. 7.0 INSURANCE. 7.1 Duty to Procure Insurance. Participant, for the term of this Agreement, shall procure and keep in full force and effect or cause to be procured and kept in full force and effect for the mutual benefit of Participant and Agency, and shall provide Agency evidence reasonably acceptable to Agency Executive Director, insurance policies meeting the minimum requirements set forth below: 7.1.1 Commercial General Liability insurance with respect to the Site and the operations of or on behalf of Participant, in an amount not less than One Million Dollars ($1,000,000) per occurrence combined single limit including products, completed operations, contractual, bodily injury, personal injury, death and property damage liability per occurrence, subject to such increases in amount as Agency may reasonably require from time to time; 13A 882/015610-0063 1 325173.02 AM02 provided, that the percentage increase in coverage shall not be required to exceed the percentage increase in the Consumer Price Index published by the United States Department of Labor, Bureau of Labor Statistics, for Urban Wage Earners and Clerical Workers, Los Angeles -Long Beach -Anaheim Average, All Items (1984 = 100) (the "Index"), from and after the date of this Agreement, or, if said Index is discontinued, such official index as may then be in existence and which is most nearly equivalent to said Index (the "CPI Adjustment"). Unless otherwise approved in advance by the Agency Executive Director, the insurance to be provided by Participant may provide for a deductible or self -insured retention of not more than Ten Thousand Dollars ($10,000), with such maximum amount to increase at the same rate as the periodic increases in the minimum amount of total insurance coverage set forth above. 7.1.2 With respect to the improvements and any fixtures and furnishings to be owned by Participant on the Site, insurance against fire, extended coverage, vandalism, and malicious mischief, and such other additional perils, hazards, and risks as now are or may be included in the standard "all risk" form in general use in Riverside County, California, with the standard form fire insurance coverage in an amount equal to full actual replacement cost thereof, as the same may change from time to time. The above insurance policy or policies shall include coverage for earthquakes to the extent generally and commercially available at commercially reasonable rates. Agency shall be a loss payee under such policy or policies and such insurance shall contain a replacement cost endorsement. 7.2 Policy Requirements. All policies of insurance required to be carried by Participant shall meet the following requirements and contain the following endorsements, provisions, or clauses (as applicable): 7.2.1 The policies shall be written by responsible and solvent insurance companies licensed in the State of California and having policyholders' rating of A or better, in the most recent addition of `Best's Key Rating Guide -- Property and Casualty." A copy of each paid -up policy evidencing such insurance (appropriately authenticated by the insurer) or a certificate of the insurer, certifying that such policy has been issued, providing the coverage required herein, and containing the provisions specified herein, shall be delivered to Agency on or prior to the date of this Agreement, and thereafter, upon renewals, not less than thirty (30) days prior to the expiration of coverage. Agency may, at any time, and from time to time, inspect and/or copy any and all insurance policies required to be procured by Participant hereunder. In no event shall the limits of any policy be considered as limiting the liability of Participant hereunder. 7.2.2 The insurer shall not cancel or materially alter the coverage provided by such policy in a manner adverse to the interest of the insured without first giving Agency a minimum of thirty (30) days prior written notice by certified mail, return receipt requested; and 7.2.3 A waiver by the insurer of any right to subrogation against Agency and City, and their respective officers, officials, members, employees, agents, and representatives, which arises or might arise by reason of any payment under such policy or policies or by reason of any act or omission of Agency or City or their respective officers, officials, members, employees, agents, or representatives. 13 c) 882/015610-0063 14 325173.02 AM02 = 7.2.4 The Agency and the City and their respective officers, officials, members, employees, agents, and representatives shall be named as additional insureds on the Commercial General Liability policies. 7.2.5 Coverage provided by these policies shall be primary and non- contributory to any insurance carried by the Agency or City or their respective officers, officials, members, employees, agents, or representatives. 7.2.6 Failure to comply with reporting provisions shall not affect coverage provided to Agency and its officers, officials, members, employees, agents, or representatives. 7.3 Failure to Procure Insurance. If Participant fails to procure and maintain the above -required insurance despite its availability, then Agency, in addition to any other remedy which Agency may have hereunder for Participant's failure to procure, maintain, and/or pay for the insurance required herein, may (but without any obligation to do so) at any time or from time to time, after thirty (30) days written notice to Participant, procure such insurance and pay the premiums therefor, in which event Participant shall immediately repay Agency all sums so paid by Agency together with interest thereon at the maximum legal rate. 8.0 OBLIGATION TO REPAIR. 8.1 Obligation to Repair and Restore Damage Due to Casualty Covered by Insurance. Subject to Section 8.3 below, if the Project shall be totally or partially destroyed or rendered wholly or partly uninhabitable by fire or other casualty required to be insured against by Participant, Participant shall promptly proceed to obtain insurance proceeds and take all steps necessary to begin reconstruction and, immediately upon receipt of insurance proceeds, to promptly and diligently commence the repair or replacement of the Project to substantially the same condition as the Project is required to be maintained in pursuant to this Agreement, whether or not the insurance proceeds are sufficient to cover the actual cost of repair, replacement, or restoration, and Participant shall complete the same as soon as possible thereafter so that the Project can continue to be operated and occupied as an affordable housing project in accordance with this Agreement. Subject to extensions of time for "Enforced Delay" as defined in Section 22 of this Agreement, in no event shall the repair, replacement, or restoration period exceed one (1) year from the date Participant obtains insurance proceeds unless the Agency Executive Director, in his or her sole and absolute discretion, approves a longer period of time. Agency shall cooperate with Participant, at no expense to Agency, in obtaining any governmental permits required for the repair, replacement, or restoration and, upon issuance of such permits Agency shall promptly release control of any insurance proceeds within Agency's control. If, however, the then -existing laws of any other governmental agencies with jurisdiction over the Property do not permit the repair, replacement, or restoration, Participant may elect not to repair, replace, or restore the Project by giving notice to Agency (in which event Participant shall be entitled to all insurance proceeds but Participant shall be required to remove all debris from the Property) or Participant may reconstruct such other improvements on the Property as are consistent with applicable land use regulations and approved by the City, Agency, and the other governmental agency or agencies with jurisdiction. In such event, the Agency Agreements, including this Agreement, shall automatically terminate and Agency shall cooperate to remove the Agency Agreements from title. I'G 882/015610-0063 1 325173.02 AM02 �1 If Participant fails to obtain insurance as required by this Agreement (and Agency has not procured such insurance and charged Participant for the cost), Participant shall be obligated to reconstruct and repair any partial or total damage to the Project and improvements located on the site in accordance with this Section 8.1. 8.2 Continued Operations. During any period of repair, Participant shall continue, or cause the continuation of, the operation of the apartment complex on the Site to the extent reasonably practicable from the standpoint of prudent business management. The number of Restricted Units shall be reduced in proportion to the number of Units not habitable as a result of the casualty during such period of repair. 8.3 Damage or Destruction Due to Cause Not Required to be Covered by Insurance. If the improvements comprising the Project are completely destroyed or substantially damaged by a casualty for which Participant is not required to (and has not) insured against, then Participant shall not be required to repair, replace, or restore such improvements and may elect not to do so by providing Agency with written notice of election not to repair, replace, or restore within ninety (90) days after such substantial damage or destruction. In such event, (i) Participant shall remove all debris from the Property, and (ii) the Agency Agreements, including this Agreement, shall automatically terminate and Agency shall cooperate to remove the Agency Agreements from title. As used in this Section 8.3, "substantial damage" caused by a casualty not required to be (and not) covered by insurance shall mean damage or destruction which is fifty percent (50%) or more of the replacement cost of the improvements comprising the Project. In the event Participant does not timely elect not to repair, replace, or restore the improvements as set forth in the first sentence of this Section 8.3, Participant shall be conclusively deemed to have waived its right not to repair, replace, or restore the improvements and thereafter Participant shall promptly commence and complete the repair, replacement, or restoration of the damaged or destroyed improvements in accordance with Section 8.1 above and continue operation of the apartment complex during the period of repair (if practicable) in accordance with Section 8.2 above. 9.0 LIMITATION ON TRANSFERS. 9.1 Sale or Transfer of the Project. Participant covenants that during the term of this Agreement Participant shall not assign this Agreement or transfer the Site or any of its interests therein except as provided in this Section 9.0. 9.2 Transfer Defined. As used in this Article 9.0, the term "Transfer" shall include any assignment, hypothecation, mortgage, pledge, conveyance, or encumbrance of this Agreement, the Site, or the improvements thereon. A Transfer shall also include the transfer to any person, entity, or group of persons or entities acting in concert of more than fifty percent (50%) (in the aggregate) of the present ownership and/or control of any person or entity constituting Participant, taking all transfers into account on a cumulative basis. In the event any entity constituting Participant, or the constituent partners or members of Participant or any successor of Participant, is a corporation or trust, such transfer shall refer to the transfer of the issued and outstanding capital stock of such corporation, or of beneficial interests of such trust; in the event that any entity constituting Participant, or the constituent partners of Participant or any successor of Participant is a limited or general partnership, such transfer shall refer to the 137 882/015610-0063 325173.02 AM02 16 '1 transfer of more than fifty percent (50%) of such limited or general partnership interest; in the event that any entity constituting Participant, or the constituent members of Participant or any successor of Participant is a limited liability company, such transfer shall refer to the transfer of more than fifty percent (50%) of such membership interest; in the event that any entity constituting Participant, or the constituent partners of Participant or any successor of Participant is a joint venture, such transfer shall refer to the transfer of more than fifty percent (50%) of the ownership and/or control of any such joint venture partner, taking all transfers into account on a cumulative basis. 9.3 Agency Approval of Transfer Required. Except as set forth below, Participant shall not Transfer this Agreement or any of Participant's rights hereunder, or any interest in the Site or in the improvements thereon, directly or indirectly, voluntarily or by operation of law, without the prior written approval of Agency, which approval shall not be unreasonably withheld, conditioned, or delayed, and any such purported Transfer without such approval shall be null and void. In addition to the foregoing and notwithstanding anything in this Section to the contrary, so long as the Project is encumbered by a deed of trust (other than a deed of trust the beneficiary of which is the Agency), any proposed transferee or assignee must also receive the prior written consent of the beneficiary of such deed of trust, if required by such deed of trust, before Agency shall approve such transfer or assignment; provided, however, that such consent of beneficiary shall not obligate Agency to approve such Transfer. Notwithstanding the foregoing, the following types of transfers shall not require Agency approval but as with all Transfers shall be subject to Section 9.4: (a) transfers to any entity or entities owned or controlled by Participant or any of its respective shareholders or partners, or to any parent corporation or subsidiary corporation of any partners of Participant, or to any entity or entities controlled by any such shareholders or partners; (b) any mortgage, deed of trust, sale and leaseback, or other form of conveyance required for any reasonable method of financing or refinancing the acquisition of the Site and development of the Project thereon, including all direct and indirect costs related thereto; or (c) the leasing of individual rental units on the Site provided that such leasing is in accordance with the terms of this Agreement; (d) Transfers resulting from the death or mental or physical incapacity of an individual; (e) Transfers in trust for the benefit of a spouse, children, grandchildren, or other family member, or for charitable purposes; (f) Transfers of stock in a publicly -held corporation or of the beneficial interest in ay publicly -held partnership or real estate investment trust; or (g) the conveyance or dedication of portions of the Site to the City or other governmental entity, or the granting of easements or permits to facilitate the development of the Site. p 882/015610-0063 1 �' t 325173.02 AM02 Agency shall reasonably consider approving a transfer to an entity not owned or controlled by Participant provided such entity has both of the following: (A) the financial strength and capability, equal to or greater than the financial strength and capability of Participant, to perform Participant's obligations hereunder; and (B) the experience and expertise, at levels equal to or greater than the experience and expertise of Participant, in the planning, financing, development, ownership and operation of similar projects. 9.4 Assignment and Assumption Agreement. In the absence of specific written agreement by Agency, no Transfer by Participant of all or any portion of its interest in the Site or this Agreement, whether or not requiring the approval by Agency, shall be deemed to relieve Participant or any successor party from the obligation to timely complete construction of the Project. In addition, no attempted Transfer of any of Participant's obligations hereunder shall be effective unless and until Participant and the transferee or successor party execute and deliver to Agency a binding assignment and assumption agreement in a form reasonably approved by Agency's legal counsel. 9.5 Permitted Transferee. A "Permitted Transferee" under this Agreement shall be a transferee or assignee that either, (i) has been approved by the Agency Executive Director or (ii) is a transferee of a Transfer not requiring the approval of the Agency Executive Director pursuant to the terms of this Agreement, and in both the cases described in the foregoing clauses (i) and (ii) has executed and delivered to the Agency Executive Director an assignment and assumption agreement pursuant to Section 9.4. 10.0 EVENTS OF DEFAULT BY PARTICIPANT. Subject to extensions of time pursuant to the terms of Section 22, the occurrence of one or more of any of the following events shall constitute an "Event of Default" by Participant hereunder if Participant shall have not cured, corrected, or remedied such failure within, unless a shorter or longer cure period is provided for specific defaults elsewhere in this Agreement, thirty (30) days following the service on Participant of a written notice from Agency specifying the failure complained of, or if it is not practicable to cure or remedy such failure within such thirty (30) day period (which impracticality shall not apply to monetary defaults), within such longer period as shall be reasonable under the circumstances provided that Participant has commenced to cure within the same thirty (30) day period and has diligently prosecuted such cure to completion: 10.1 Construction of the Project on the Site has not commenced within the time set forth in the AHA; or 10.2 Construction of the Project on the Site is not completed within the time set forth in the AHA; or 10.3 Participant shall abandon or surrender the Site; or 10.4 Participant is in default of the Note and has not cured such default within the cure period applicable to such default as set forth in the Note; or 1�1 882/015610-0063 325173.02 AM02 O 10.5 Participant is in material default of any of the covenants, terms or provisions of this Agreement or any of the Agency Agreements; or 10.6 Participant voluntarily files or has involuntarily filed against it any petition under any bankruptcy or insolvency act or law and the same has not been dismissed within sixty (60) days thereafter; or 10.7 Participant is adjudicated a bankrupt; or 10.8 Participant makes a general assignment for the benefit of creditors in violation of the terms of this Agreement or any of the Agency Agreements. 10.9 Participant is in default of its obligations under that certain Agreement of Purchase and Sale and Joint Escrow Instructions entered into by and between Participant, as "Buyer," and Landaq Inc., a Delaware corporation ("Landaq") as "Seller", pursuant to which Participant purchased the Site from Landaq ("Purchase Agreement") or any of the documents attached to the Purchase Agreement as exhibits thereto, including, but not limited to, (i) the grant deed pursuant to which Landaq conveyed the Site to Participant; (ii) that certain Declaration of Development Covenants, Conditions and Restrictions entered into and recorded on , as Instrument No. , in the Official Records of the County of Riverside, by and between Landaq, as the "Company," and Participant, as the "Builder," which sets forth certain development and use restrictions with which Participant is required to comply; and (iii) that certain Option Agreement and Escrow Instructions entered into on , by and between Landaq, as the "Company," and Participant, as the "Builder," which provides for Participant's grant to Landaq of an option to repurchase the Site in accordance with the terms thereof, as memorialized by that certain Memorandum of Option entered into by those parties and recorded on , as Instrument No. , in the Official Records of the County of Riverside. 11.0 REMEDIES OF AGENCY. In the event Participant defaults in the performance or observance of any covenant, agreement or obligation of Participant pursuant to this Agreement, and if such default remains uncured for a period of thirty (30) days after written notice thereof shall have been given by Agency (or such lesser period as may apply under Section 4.1), or, in the event said default cannot be cured within said time period, Participant has failed to commence to cure such default within the applicable time period and diligently prosecute said cure to completion, then Agency shall declare an "Event of Default" to have occurred hereunder, and, at its option, may take one or more of the following steps: 11.1 With respect to (i) the physical condition of the Site, or (ii) Participant's Gross Mismanagement of the Project, enter the Site and correct or cause to be corrected said default and charge the costs thereof (including costs incurred by Agency in enforcing this provision) to the account of Participant, which charge shall be due and payable within thirty (30) days after presentation by Agency of a statement of all or part of said costs, and if such bill is not timely paid then to place a lien on the Site for said amount due plus interest at the maximum legal rate; 882/015610-0063 1 9 325173.02 AM02 11.2 Correct or cause to be corrected said default and pay the costs thereof (including costs incurred by Agency in enforcing this provision) from the proceeds of any insurance; 11.3 Exercise its right to maintain any and all actions at law or suits in equity to compel Participant to correct or cause to be corrected said default; 11.4 Have a receiver appointed to take possession of Participant's interest in the Site, with power in said receiver to administer Participant's interest in the Site, to collect all funds available to Participant in connection with its operation and maintenance of the Site, and to perform all other actions consistent with Participant's obligations under this Agreement as the court deems proper; 11.5 Terminate this Agreement by written notice to Participant and seek repayments of any remaining principal and accrued interest then owing on the Agency Note. Except as otherwise expressly stated in this Agreement, the rights and remedies of the parties are cumulative, and the exercise by any party of one or more of its rights or remedies shall not preclude the exercise by it, at the same or different times, of any other rights or remedies for the same default or any other default by another party. 12.0 NONDISCRIMINATION. 12.1 Antidiscrimination. There shall be no discrimination against or segregation of any person, or group of persons, on account of race, color, creed, religion, sex, marital status, national origin or ancestry in the sale, lease, sublease, transfer, use, occupancy, tenure or enjoyment of the Site, or any part thereof, nor shall Participant, or any person claiming under or through it, establish or permit any such practice or practices of discrimination or segregation with reference to the selection, location, number, use or occupancy of tenants, lessees, subtenants, sublessees or vendees of the Site, or any part thereof (except as permitted by this Agreement). 12.2 Anti -Discrimination Clauses in Agreements. Participant agrees for itself and any successor in interest that Participant shall refrain from restricting the rental, sale, or lease of any portion of the Site, or contracts relating to the Site, on the basis of race, color, creed, religion, sex, marital status, ancestry, or national origin of any person. All such deeds, leases or contracts shall contain or be subject to substantially the following nondiscrimination or nonsegregation clauses: 12.2.1 In deeds: "The grantee herein covenants by and for itself, its heirs, executors, administrators, and assigns, and all persons claiming under or through them, that there shall be no discrimination against or segregation of any person or group of persons on account of race, color, creed, religion, sex, marital status, ancestry, or national origin in the sale, lease, sublease, transfer, use, occupancy, tenure, or enjoyment of the land herein conveyed, nor shall the grantee itself, or any persons claiming under or through it, establish or permit any such practice or practices of discrimination or segregation with reference to the selection, location, number, use, or occupancy of tenants, lessees, subtenants, sublessees, or vendees in the land herein conveyed. The foregoing covenants shall run with the land." 882/015610-0063 2 325173.02 AM02 12.2.2 In leases: "The lessee herein covenants by and for itself, its heirs, executors, administrators, 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 status, race, color, creed, religion, sex, marital status, ancestry, or national origin in the leasing, subleasing, transferring, use, occupancy, tenure, or enjoyment of the land herein leased, nor shall the lessee itself, or any person claiming under or through it, establish or permit any such practice or practices of discrimination or segregation with reference to the selection, location, number, use, or occupancy of tenants, lessees, sublessees, subtenants, or vendees in the land herein leased." 12.2.3 In contracts: "There shall be no discrimination against or segregation of any persons or group of persons on account of status, race, color, creed, religion, sex, marital status, ancestry, or national origin in the sale, lease, transfer, use, occupancy, tenure, or enjoyment of 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 land." 13.0 COVENANTS TO RUN WITH THE LAND. Participant hereby subjects the Site to the covenants, reservations, and restrictions set forth in this Agreement. Agency and Participant hereby declare their express intent that all such covenants, reservations, and restrictions shall be deemed covenants running with the land, and shall pass to and be binding upon the Participant's successors in title to the Site; provided, however, that on the termination of this Agreement said covenants, reservations and restrictions shall expire. All covenants established in this Agreement shall, without regard to technical classification or designation, be binding for the benefit of the Agency, and such covenants shall run in favor of the Agency for the entire term of this Agreement, without regard to whether the Agency is or remains an owner of any land or interest therein to which such covenants relate. Each and every contract, deed or other instrument hereafter executed covering or conveying the Site or any portion thereof shall conclusively be held to have been executed, delivered and accepted subject to such covenants, reservations, and restrictions, regardless of whether such covenants, reservations, and restrictions are set forth in such contract, deed or other instrument. Agency and Participant hereby declare their understanding and intent that the burden of the covenants set forth herein touch and concern the land in that Participant's legal interest in the Site is rendered less valuable thereby. Agency and Participant further hereby declare their understanding and intent that the benefit of such covenants touch and concern the land by enhancing and increasing the enjoyment and use of the Project by Eligible Tenants, the intended beneficiaries of such covenants, reservations, and restrictions, and by furthering the public purposes for which the Agency was formed. Participant, in exchange for the Agency entering into the AHA, hereby agrees to hold, sell, and convey the Site subject to the terms of this Agreement. Participant also grants to the 14'' 882/015610-0063 2 1 325173.02 AM02 Agency the right and power to enforce the terms of this Agreement against the Participant and all persons having any right, title or interest in the Site or any part thereof, their heirs, successive owners and assigns. The covenants set forth in Article 12.0 of this Agreement shall remain in effect in perpetuity. All other covenants set forth in this Agreement shall remain in effect for a period of fifty-five (55) years following the date this Agreement is recorded in the office of the Riverside County Recorder. 14.0 INDEMNIFICATION. Participant agrees for itself and its successors and assigns to indemnify, defend, and hold harmless Agency, City, and their respective officers, officials, members, employees, agents, and representatives from and against any loss, liability, claim, or judgment relating in any manner to the Project excepting only any such loss, liability, claim, or judgment arising out of the intentional wrongdoing or gross negligence of Agency, City, or their respective officers, officials, members, employees, agents, or representatives. 15.0 UTILITIES AND TAXES. Participant, while in possession of the Property, and each successor or assign of Participant while in possession of the Property, shall remain fully obligated for the payment of (i) real and personal property taxes and assessments in connection with the Property, and (ii) all charges for all utilities serving the Property for which Participant is responsible. 16.0 ATTORNEYS' FEES. In the event that a party to this Agreement brings an action against the other party hereto by reason of the breach of any condition, covenant, representation or warranty in this Agreement, or otherwise arising out of this Agreement, the prevailing party in such action shall be entitled to recover from the other expert witness fees, and its reasonable attorney's fees and costs. Attorney's fees shall include attorney's fees on any appeal, and in addition a party entitled to attorney's fees shall be entitled to all other reasonable costs for investigating such action, including the conducting of discovery. 17.0 AMENDMENTS. This Agreement shall be amended only by a written instrument executed by the parties hereto or their successors in title, and duly recorded in the real property records of the County of Riverside. 18.0 NOTICE. Formal notices, demands, and communications between Agency and Participant shall be sufficiently given if (1) personally delivered, (ii) delivered by a reputable same -day or overnight courier services that provides a receipt showing date and time of delivery, (iii) delivered by United States mail, registered or certified, postage prepaid, return receipt requested, or (iv) delivered by facsimile transmission, provided the original of the faxed communication is 141 882/015610-0063 22 325173.02 AM02 i delivered within twenty-four (24) hours by one of methods described in clauses (i), (ii), or (iii) of the foregoing. Delivery shall be made to the following addresses: If to Agency: La Quinta Redevelopment Agency 78-495 Calle Tampico La Quinta, CA 92253 Attn: Executive Director Fax: (760) 777-7101 With a copy to: Rutan & Tucker, LLP 611 Anton Boulevard, Suite 1400 Costa Mesa, CA 92626 Attn: M. Katherine Jenson, Esq. Fax: (714) 546-9035 If to Participant: Apartments at La Quinta Village, LP 1105 Quail Street Newport Beach, CA 92658 Attn: Victor Mahoney Fax: (949) 250-8574 With a copy to: Palmieri, Tyler, Wiener, Wilhelm & Waldron, LLP 2603 Main Street, Ste. 1300 P.O. Box 19712 Irvine, CA, 92014-0220 Attn: Robert Ihrke Fax: (949) 851-1554 Notices that are personally delivered, delivered by messenger/courier, or by fax (provided there is compliance with the terms of clause (iv) above) shall be deemed effective upon receipt. Notices delivered by mail shall be deemed effective upon the earlier of actual receipt by the addressee thereof or the expiration of forty-eight (48) hours after depositing in the United States Postal System in the manner described in this Section. Such written notices, demands, and communications may be sent in the same manner to such other addresses as a party may from time to time designate by mail. 19.0 NONLIABILITY OF AGENCY OFFICIALS. No officer, official, member, employee, agent, or representative of Agency shall be personally liable to Participant, or any successor in interest, in the event of any default or breach by Agency or for any amount which may become due to Participant or successor or on any obligations under the terms of this Agreement or any of the Agency Agreements. 20.0 TRANSACTIONS WITH AFFILIATES. Participant shall have the right to enter into contracts with subsidiaries, affiliates and other related entities for the purpose of providing cleaning, maintenance and repair services, 882/015610-0063 23 325173.02 AM02 insurance policies and other purposes related to the operation of the Site, provided that all such costs and charges are competitive with the costs, charges, rent and other sums which would be paid by or to, as the case may be, an unrelated third party, and further provided that all such contracts and transactions are disclosed to Agency's Executive Director, including the costs and charges of such contracts and transactions. Agency acknowledges and agrees that Participant may act as its own general contractor for the constructions of any improvements on the Site and that will be entitled in so doing to earn a commercially reasonable fee. 21.0 SEVERABILITY/WAIVER/INTEGRATION. 21.1 Severability. If any provision of this Agreement shall be invalid, illegal or unenforceable, the validity, legality and enforceability of the remaining portions hereof shall not in any way be affected or impaired thereby. 21.2 Waiver. A waiver by either party of the performance of any covenant or condition herein shall not invalidate this Agreement nor shall it be considered a waiver of any other covenants or conditions, nor shall the delay or forbearance by either party in exercising any remedy or right be considered a waiver of, or an estoppel against, the later exercise of such remedy or right. 21.3 Inte rag_ tion. This Agreement contains the entire Agreement between the parties concerning the subject matter hereof and neither party relies on any warranty or representation not contained in this Agreement. 22.0 ENFORCED DELAY; EXTENSIONS OF TIME. Performance by a party hereunder shall not be deemed to be in default where delays or defaults are due to war; insurrection; strikes; lock -outs; riots; floods; earthquakes; fires; casualties; supernatural causes; acts of the public enemy; epidemics; quarantine restrictions; freight embargoes; lack of transportation; governmental restrictions or priority litigation; unusually severe weather; inability to secure necessary labor, materials or tools; acts of the other party; acts or the failure to act of a public or governmental agency or entity (except that acts or the failure to act of Agency or City shall not excuse performance by Agency or City unless the act or failure is caused by the acts or omissions of Participant); or any other causes beyond the reasonable control or without the fault of the party claiming an extension of time to perform. In the event of such a delay (herein "Enforced Delay"), the party delayed shall continue to exercise reasonable diligence to minimize the period of the delay. An extension of time for any such cause shall be limited to the period of the Enforced Delay, and shall commence to run from the time of the commencement of the cause, provided notice by the party claiming such extension is sent to the other party within fifteen (15) days of the commencement of the cause. The following shall not be considered as events or causes beyond the control of Participant, and shall not entitle Participant to an extension of time to perform: (i) Participant's failure to obtain financing for the Project, (ii) Participant's failure to negotiate agreements with prospective tenants or users for the Project, or (iii) interest rates or economic or market conditions. Times of performance under this Agreement may also be extended by mutual written agreement by Agency and Participant. The Agency Executive Director shall also have the authority on behalf of Agency to administratively approve extensions of time not to exceed a cumulative total of one (1) year. 147) 882/015610-0063 �y 325173.02 AM02 24 23.0 THIRD PARTY BENEFICIARY. The City of La Quinta is deemed a third party beneficiary of the terms and covenants contained in this Agreement and has the right, but not the obligation, to enforce the terms and covenants contained herein. 24.0 FUTURE ENFORCEMENT. The parties hereby agree that should the Agency cease to exist as an entity at any time during the term of this Agreement, the City of La Quinta shall have the right to enforce all of the terms and conditions herein, unless the Agency had previously specified another entity to enforce this Agreement. 25.0 GOVERNING LAW. This Agreement shall be governed by the laws of the State of California. 26.0 NO MERGER. The covenants, terms, and provisions of this Agreement shall not merge with any grant deed or other instrument pertaining to the conveyance of any interest in real property. 27. COUNTERPARTS. This Agreement may be executed in any number of counterparts, each of which shall constitute one original and all of which shall be one and the same instrument. [end - signature page follows] 882/015610-0063 25 325173.02 AM02 IN WITNESS WHEREOF, the Agency and Participant have executed this Regulatory Agreement and Declaration of Covenants and Restrictions by duly authorized representatives on the date first written hereinabove. ATTEST: I0 Secretary APPROVED AS TO FORM: RUTAN & TUCKER, LLP Attorneys for the La Quinta Redevelopment Agency "AGENCY" LA QUINTA REDEVELOPMENT AGENCY, a public body, corporate and politic Thomas Genovese Executive Director "PARTICIPANT" APARTMENTS AT LA QUINTA VILLAGE, LP, a California limited partnership By: Apartments at La Quinta Village, LLC, a California limited liability company Its: General Partner By: Cameo Homes, a California corporation Its: Managing Member By: J.C. Gianulias Its: President 147 882/015610-0063 325173.02 AM02 26 STATE OF CALIFORNIA ss. COUNTY OF On before me, , personally appeared , personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument the person(s) or the entity upon behalf of which the person(s) acted, executed the instrument. Witness my hand and official seal. [SEAL] STATE OF CALIFORNIA ss. COUNTY OF Notary Public On before me, , personally appeared , personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument the person(s) or the entity upon behalf of which the person(s) acted, executed the instrument. Witness my hand and official seal. Notary Public [SEAL] log 882/015610-0063 325173.02 AM02 27 ATTACHMENT NO. 1 LEGAL DESCRIPTION OF SITE Parcel 3 of Parcel Map No. 30721, recorded on October 23, 2002, in Book 203, pages 30 through 31, of Parcel Maps, filed in the Office of the County Recorder of Riverside County, State of California. 882/015610-0063 325173.02 AM02_ EXHIBIT "H" FORM OF RELEASE OF CONSTRUCTION COVENANTS [SEE FOLLOWING PAGES] 882/015610-0063 325173.02 AM02 RECORDING REQUESTED BY AND WHEN RECORDED RETURN TO: La Quinta Redevelopment Agency 78-495 Calle Tampico La Quinta„ CA 92253 Attn: Executive Director [NOTE: RECORD AS PARTIAL RELEASE OF AGREEMENT] (Space Above Line for Recorder's Use Only) (Exempt from Recording Fee per Gov. Code 6103) RELEASE OF CONSTRUCTION COVENANTS WHEREAS, APARTMENTS AT LA QUINTA VILLAGE, LP, a California limited partnership, is the owner of fee title to that certain real property legally described in Attachment No. 1 attached hereto (the "Site") and incorporated herein by reference, according to the terms and conditions of said Agreement; and WHEREAS, by an Affordable Housing Agreement (hereinafter referred to as the "Agreement") dated , by and between Participant and the La Quinta Redevelopment Agency, a public body corporate and politic ("Agency"), Participant has redeveloped and rehabilitated the Site in accordance with the Agreement; and WHEREAS, pursuant to Section 6.5 of the Agreement, promptly after completion of all rehabilitation work by Participant upon the Site, and upon request by Participant, Agency shall furnish Participant with a Release of Construction Covenants in such form as to permit it to be recorded in the Official Records of the County of Riverside; and WHEREAS, the issuance by Agency of the Release of Construction Covenants shall be conclusive evidence that Participant has complied with the terms of the Agreement pertaining to the rehabilitation of the Site; and WHEREAS, Participant has requested that Agency furnish Participant with the Release of Construction Covenants; and WHEREAS, Agency has conclusively determined that the rehabilitation of the Site has been satisfactorily completed as required by the Agreement; NOW, THEREFORE: 1. As provided in the Agreement, Agency does hereby certify that rehabilitation of the Site has been fully and satisfactorily performed and completed, and that such rehabilitation is in full compliance with said Agreement. 111 882/015610-0063 325173.02 AM02 A 2. This Release of Construction Covenants shall not constitute evidence of Participant's compliance with the following agreements, the provisions of which shall continue to run with the land until termination thereof in accordance with the terms thereof- (1) Deed of Trust with Assignment of Rents, Security Agreement and Fixture Filing, by and between Participant as borrower and Agency as beneficiary, dated and recorded on , as Instrument No. , in the Office of the Riverside County; and (ii) Regulatory Agreement and Declaration of Covenants and Restrictions by and between Participant and Agency, and recorded on , as Instrument No. in the Office of the Riverside County Recorder. 3. This Release of Construction Covenants shall not constitute evidence of compliance with or satisfaction of any obligation of Participant to any holder of a mortgage, or any insurer of a mortgage, securing money loaned to finance construction work on the Site, or any part thereof. 4. This Release of Construction Covenants is not a Notice of Completion as referred to in California Civil Code Section 3093. 5. Except as stated herein, nothing contained in this instrument shall modify in any way any other provisions of the Agreement or any other provisions of any agreements or documents referenced therein. IN WITNESS WHEREOF, Agency has executed this Release of Construction Covenants as of this day of , LA QUINTA REDEVELOPMENT AGENCY, a public body, corporate and politic Executive Director 882/015610-0063 2 325173.02 AM02 i J CONSENT TO RECORDATION APARTMENTS AT LA QUINTA VILLAGE, LP ("Owner"), owner of the fee interest in the real property legally described in Attachment No. I hereto, hereby consents to the recordation of the foregoing Release of Construction Covenants against said real property. APARTMENTS AT LA QUINTA VILLAGE, LP, a California limited partnership By: Apartments at La Quinta Village, LLC, a California limited liability company Its: General Partner By: Cameo Homes, a California corporation Its: Managing Member IM J.C. Gianulias Its: President 882/015610-0063 325173.02 AM02 STATE OF CALIFORNIA ss. COUNTY OF On before me, , personally appeared , personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument the person(s) or the entity upon behalf of which the person(s) acted, executed the instrument. Witness my hand and official seal. [SEAL] STATE OF CALIFORNIA ss. COUNTY OF Notary Public On before me, , personally appeared personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument the person(s) or the entity upon behalf of which the person(s) acted, executed the instrument. Witness my hand and official seal. Notary Public [SEAL] 882/015610-0063 " 1 325173.02 AM02 - , ATTACHMENT NO. 1 LEGAL DESCRIPTION OF SITE Parcel 3 of Parcel Map No. 30721, recorded on October 23, 2002, in Book 203, pages 30 through 31, of Parcel Maps, filed in the Office of the County Recorder of Riverside County, State of California. 1 �r 882/015610-0063 325173.02 AM02 h 1 �.L ec w-"--�' 1 l a a-- q�w1 MEMORANDUM TO: Honorable Chairwoman Henderson and Boardmembers of the La Quinta Redevelopment Agency FROM: M. Katherine Jenson, Agency Counsel DATE: November 19, 2002 FILE NO.: 015610-0052 RE: Revisions to Affordable Housing Agreement with Apartments at La Quinta Village, LP On Friday, November 15, 2002, we participated in a conference call with Apartments at La Quinta Village, LP ("Participant"), Frank Spevacek, and Nancy Madrid to discuss various provisions of the agreement referenced above ("Agreement"). After lengthy discussions, we agreed to make several changes, which I have summarized below: 1. Added missing information regarding the documents Participant recorded against the property at the close of escrow and the title commitment we received regarding the property, and deleted references to Participant's purchase and sale agreement. (Agreement: 1.15, 122, 3.1-3.3; Note: 3.6(H), 5.2; Regulatory Agreement and Declaration of Covenants and Restrictions ("Regulatory Agreement"): 10.9.) 2. Clarified that the Agency will subordinate the Regulatory Agreement and deed of trust to a permanent loan obtained by Participant, and authorized the Agency's Executive Director to make changes to the subordination requirements set forth in the Agreement to accommodate the reasonable requests of a lender. (Agreement: 6.1.4; Rider to Deed of Trust: 4.) 3. Clarified that Participant's requirement to abide by its construction schedule is subject to force majeure and corrected a typographical error. (Agreement: 6.1.5.) 4. Clarified that certain requirements tied to the Agency's issuance of a Release of Construction Covenants may instead be tied to the time Agency is required to issue a Release of Construction Covenants to account for the possibility that the Agency does not timely issue the document. (Agreement: 6.2, 6.4, 9.5.) 5. Clarified that approved transfers of the property include transfers to entities owned or controlled directly or indirectly by Participant. (Agreement: 7.3, Regulatory Agreement: 9.3 . ) 6. Revised provisions regarding rights of holders of security interests to provide that (1) the Agency may not unreasonably withhold its approval of a mortgage or other financing on the property, (ii) in the event of a foreclosure the terms of the agreement are only enforceable 882 0 156 10-0063 346829.01 a1119.02 Honorable Chairwoman Henderson and Boardmembers of the La Quinta Redevelopment Agency November 19, 2002 Page 2 against the new owner at the time the new owner takes title, and (111) the Agency must give notice to Participant prior to satisfying a lien against the property. (Agreement: 9.2, 9.5. ) 7. Revised the Scope of Development to accurately reflect the entities which will be construct and manage the project and to correct the stated acreage of the site. (Scope of Development.) 8. Revised the Schedule of Performance to require Participant to take all necessary actions to obtain approvals from the City, rather than to actually obtain the approvals, since Participant has no actual control over City actions. (Schedule of Performance: Item 2.) 9. Added a requirement in the Note that the Agency give notice of default thereunder to Participant. (Note: 5.1.) 10. Clarified that Agency's right under the Deed of Trust to enter the property and take possession and/or to appoint a receiver is after expiration of cure period. (Deed of Trust: B.5; Rider to Deed of Trust: 9.) 11. Revised Rider to Deed of Trust to provide that if the Agency exercises its rights to collect rents thereunder and the rents are sufficient to cure all monetary defaults, then the Agency's collection will constitute a curing of the default. (Rider to Deed of Trust: 7.) 12. Clarified that Participant's obligation to operate a rental apartment complex under the regulatory agreement is 55 years. (Regulatory Agreement: Recital E.) 13. Streamlined the income certification and reporting requirements in accordance with the current practice of RGC and to attach RGC sample forms. (Regulatory Agreement: 3.3, 3.4. 3.6, 3.7.) 14. Clarified that Participant need not prequalify persons who inquire regarding the availability of an affordable rental unit, but instead may wait until such time as a unit is available. (Regulatory Agreement: 3.5.) 15. Clarified that failure to comply with leasing preferences or that renting a restricted unit to an ineligible tenant is not a violation under the agreement unless Participant acts "knowingly." (RegulatoryAgreement: 3.10.2, 3.10.3.) 16. Added that an ineligible tenant may remain in the apartment complex if Participant leases and redesignates the next available unrestricted unit to an affordable renter. (Regulatory Agreement: 3.10.2.) r ►� 1 882 %O 156 10-0063 346829.01 all'19'02 Honorable Chairwoman Henderson and Boardmembers of the La Quinta Redevelopment Agency November 19, 2002 Page 3 17. Clarified that violations must be "material" to constitute gross mismanagement. (Regulatory Agreement: 5.1.) 18. Deleted express requirement that Participant comply with prevailing wage law, since project does not trigger the payment of prevailing wages. (Regulatory Agreement: 6.1.) 19. Explained that Participant is not required to indemnify Agency for hazardous materials contamination that occurs after the Agency acquires title to the property through a foreclosure sale. (Regulatory Agreement: 6.2, 6.4.) 20. Added that Participant must obtain earthquake insurance only if earthquake insurance is generally obtained for similar rental apartment projects in the counties of Los Angeles, Orange, Riverside, and San Bernardino. (Regulatory Agreement: 7.12.) 21 Added that Participant's requirement to obtain insurance proceeds in the event of damage for which Participant has insurance is subject to the senior lender making such proceeds available to Participant. (Regulatory Agreement: 8.1.) 22. Added language to waiver provision to require all waivers to be in writing. (Regulatory Agreement: 21.2.) 23. Added that the time to invoke enforced delay is triggered by a party's awareness of the occurrence that gives rise to their ability to invoke the clause. (Regulatory Agreement. 22.) 24. Revised Release of Construction Covenants to accurately reflect the section in the agreement that addresses the document and to include similar language as that contained in the agreement. (Release of Construction Covenants.) 882 015610-0063 o 346829.01 all 19,02 AFFORDABLE HOUSING AGREEMENT BY AND AMONG LA QUINTA REDEVELOPMENT AGENCY AND APARTMENTS AT LA QUINTA VILLAGE, LP 882/015610-0063 325173.04 al1/19/02 TABLE OF CONTENTS Page 1.0 DEFINITIONS..................................................................................................................1 1.1 Agency Deed of Trust...........................................................................................1 1.2 Agency Loan.........................................................................................................1 1.3 Agency Loan Documents......................................................................................2 1.4 Agency Note......................................................................................................... 2 1.5 Agency Regulatory Agreement.............................................................................2 1.6 Approved Project Plans and Permits.....................................................................2 1.7 CEQA....................................................................................................................2 1.8 City........................................................................................................................2 1.9 Days........................................................................................................................ 1.10 Effective Date.......................................................................................................2 1.11 Enforced Delay..................................................................................................... 2 1.12 Executive Director................................................................................................ 2 1.13 Hazardous Materials.............................................................................................2 1.14 Landaq...................................................................................................................3 1.15 Landaq Restrictions..............................................................................................3 1.16 Participant............................................................................................................. 3 1.17 Proj ect................................................................................................................... 3 1.18 Project Area..........................................................................................................3 1.19 Redevelopment Plan............................................................................................. 3 1.20 Release of Construction Covenants...................................................................... 3 1.21 Restricted Units.....................................................................................................3 MR] 1.22 Schedule of Performance......................................................................................4 4,24 1.23 Site........................................................................................................................4 1.24 Title Company......................................................................................................4 1.25 Unrestricted Units.................................................................................................4 2.0 PURPOSE OF AGREEMENT.........................................................................................4 3.0 CURRENT OWNERSHIP OF THE SITE; PARTICIPANT ACQUISITION OFTHE SITE...................................................................................................................4 3.1 Ownership of the Site............................................................................................4 3.2 Agency Title Policy.............................................................................................. 5 3.3 Conditions to Agency's Performance.............................................................:..... 5 3.4 Brokerage Commissions....................................................................................... 6 3.5 Taxes and Assessments and Liens........................................................................ 6 4.0 AGENCY LOAN; PHYSICAL CONDITION OF SITE.................................................6 882/015610-0063 325173.04 al1/19/02 _j_ Page 4.1 Agency Loan; Disbursement.................................................................................6 4.2 Agency Note; Agency Deed of Trust.................................................................... 6 4.3 Physical Condition of Site....................................................................................6 5.0 PARTICIPANT REPRESENTATIONS AND WARRANTIES ...................................... 7 5.1 Effective Date of Representations and Warranties ............................................... 7 5.2 Representations and Warranties............................................................................7 6.0 PROJECT DEVELOPMENT........................................................................................... 8 6.1 Construction of the Project................................................................................... 8 6.2 Indemnification...................................................................................................11 6.3 Applicable Laws.................................................................................................11 6.4 Release of Construction Covenants.................................................................... I I 7.0 TRANSFER AND ASSIGNMENT................................................................................12 7.1 Sale or Transfer of the Project............................................................................12 7.2 Transfer Defined.................................................................................................12 7.3 Agency Approval of Transfer Required.............................................................12 7.4 Assignment and Assumption Agreement............................................................13 7.5 Permitted Transferee...........................................................................................13 8.0 INSURANCE..................................................................................................................14 4 1 Requir-ed Nd;,-,;m,,.,, Deheies t o 9.0 RIGHTS OF HOLDERS OF APPROVED SECURITY INTERESTS IN SITE ........... 14 9.1 Definitions...........................................................................................................14 9.2 Limitation on Encumbrances..............................................................................14 9.3 Participant's Breach Does Not Defeat Mortgage Lien.......................................14 9.4 Notice of Default to Mortgagee, Deed of Trust or Other Security InterestHolders...................................................................................................14 9.5 Right of the Agency to Satisfy Other Liens on the Property After Conveyanceof Title............................................................................................14 10.0 USE OF THE SITE.........................................................................................................15 10.1 Use of the Site.....................................................................................................15 10.2 No Inconsistent Uses...........................................................................................15 10.3 Obligation to Refrain from Discrimination.........................................................15 10.4 Effect of Covenants.............................................................................................15 11.0 DEFAULT; ENFORCEMENT.......................................................................................16 11.1 Defaults, Right to Cure and Waivers..................................................................16 11.2 Legal Actions......................................................................................................16 11.3 Rights and Remedies are Cumulative.................................................................17 11.4 Attorneys' Fees...................................................................................................17 12.0 MISCELLANEOUS.......................................................................................................17 882/015610-0063 1 325173.04 al/19/02 -n- Page 12.1 Notices................................................................................................................17 12.2 Nonliability of Agency Officials and Employees...............................................18 12.3 Time of Essence..................................................................................................18 12.4 Enforced Delay: Extension of Times of Performance.......................................18 12.5 Books and Records.............................................................................................19 12.6 Ownership of Documents...................................................................................19 12.7 Modifications......................................................................................................19 12.8 Binding Effect of Agreement..............................................................................19 12.9 Severability.........................................................................................................19 12.10 Interpretation....................................................................................................... 20 12.11 Entire Agreement................................................................................................ 20 12.12 Waiver; Amendments.........................................................................................20 12.13 Counterparts........................................................................................................20 12.14 Authority.............................................................................................................20 12.15 Exhibits............................................................................................................... 20 12.16 Effective Date.....................................................................................................21 LIST OF EXHIBITS Exhibit "A" Legal Description of Site Exhibit `B" Site Map Exhibit "C" Scope of Development Exhibit "D" Schedule of Performance Exhibit "E" Form of Agency Note Exhibit "F" Form of Agency Deed of Trust Exhibit "G" Form of Agency Regulatory Agreement Exhibit "H" Form of Release of Construction Covenants 882/015610-0063 2 325173.04 a11/19/02 -111- AFFORDABLE HOUSING AGREEMENT THIS AFFORDABLE HOUSING AGREEMENT ("Agreement") is entered into as of (the "Effective Date") by and between the LA QUINITA REDEVELOPMENT AGENCY, a public body, corporate and politic ("Agency"), and APARTMENTS AT LA QUINTA VILLAGE, LP, a California limited partnership ("Participant"). RECITALS A. Agency is a public body, corporate and politic, exercising governmental functions and powers and organized and existing under the Community Redevelopment Law of the State of California (California. Health and Safety Code Section 33000 et seg.). B. Participant has recently acquired fee title to that certain unimproved real property located approximately 630 feet north of Calle Tampico and 150 feet east of Eisenhower Drive, in the City of La Quinta (the "Site"). C. Agency desires to meet its affordable housing goals by assisting Participant in the development of an affordable rental housing complex on the Site with not less than two hundred (200) units, of which seventy-five (75) units shall be the "Restricted Units" (as defined below) and related interior and exterior improvements, by making certain financial assistance available to Participant for the Project from the Agency's Low and Moderate Income Housing Fund (Health & Safety Code §§ 33334.2 et seq.). D. Agency has determined that providing assistance to Participant for the Project is in the best interests of the City of La Quinta ("City") and the welfare of its citizens. Therefore, the parties desire to execute this Agreement for the Project on the terms and conditions set forth below. AGREEMENT NOW, THEREFORE, in consideration of the foregoing Recitals and the covenants and promises hereinafter contained, and for good and valuable consideration, the sufficiency and receipt of which are hereby acknowledged, Agency and Participant hereby agree as follows: 1.0 DEFINITIONS. 1.1 Agency Deed of Trust. The term "Agency Deed of Trust" shall mean that certain Deed of Trust With Assignment of Rents to secure the Agency Note, in the form attached hereto and incorporated herein as Exhibit "F". 1.2 Agency Loan. The term "Agency Loan" shall mean the loan by Agency to Participant in the amount set forth in Section 4.1, as evidenced by the Agency Loan Documents, for the purposes of acquiring the Site and constructing the Project on the Site. 882/015610-0063 , 325173.04 al1/19/02 1.3 Agency Loan Documents. The term "Agency Loan Documents" shall mean, collectively, the Agency Note, Agency Deed of Trust and Agency Regulatory Agreement. 1.4 Agency Note. The term "Agency Note" shall mean that certain promissory note, in the form attached hereto and incorporated herein as Exhibit "E", in favor of Agency, evidencing the loan by Agency to Participant. 1.5 Agency Regulatory_ Agreement. The term "Agency Regulatory Agreement" shall mean that certain Regulatory Agreement and Declaration of Covenants and Restrictions, in the form attached hereto and incorporated herein as Exhibit "G". 1.6 Approved Project Plans and Pen -nits. The term "Approved Project Plans and Permits" shall mean, collectively, the Scope of Development attached hereto and incorporated herein as Exhibit "C", and all of the plans and permits approved by the Agency and the City for the Project, including any changes thereto as may be subsequently approved in writing by Participant, Agency, and City. 1.7 CEQA. The term "CEQA" shall mean the California Environmental Quality Act, Public Resources Code Section 21000 et seq., as amended. 1.8 City. The term "City" shall mean the City of La Quinta, a municipal corporation, having its offices at 78-495 Calle Tampico, La Quinta, CA 92253. The City is not a party to this Agreement and shall have no obligations hereunder. 1.9 Days. The term "days" shall mean calendar days and the statement of any time period herein shall be calendar days, and not business days, unless otherwise specified. 1.10 Effective Date. The Effective Date of this Agreement shall occur after approval hereof by Agency and shall mean the later of the dates this Agreement is executed on behalf of Agency and Participant. 1.11 Enforced Delay. The term "Enforced Delay" shall have the meaning set forth in Section 12.4. 1.12 Executive Director. The term "Executive Director" shall mean the individual duly appointed to the position of Executive Director of Agency, or his or her authorized designee. Whenever an administrative action is required by Agency to implement the terns of this Agreement, the Agency Executive Director, or his or her authorized designee, shall have authority to act on behalf of Agency, except with respect to matters reserved for Agency Board determination. 1.13 Hazardous Materials. The term "Hazardous Materials" shall mean (i) any hazardous or toxic substance, material or waste which is or becomes regulated by any local or regional governmental authority, the State of California, or the United States Government and/or (ii) any substance or material identified by the United States Government, the State of California, County of Riverside, or any local or regional governmental authority as hazardous or toxic and which is included on any list of such substances published by any such governmental entity and shall specifically include petroleum, petroleum -based products, asbestos and PCBs. 882/015610-0063 2 163 4 325173.04 a11/19/02 1.14 Landaq. The term "Landaq" shall mean Landaq, Inc., a Delaware corporation, which is the entity from which Participant acquired the Site. 1.15 Landaq Restrictions. The term "Landaq Restrictions" shall mean, collectively, (1) the covenants and restrictions contained in the grant deed pursuant to which Landaq conveyed the Site to Participant ("Grant Deed"), which Grant Deed was recorded on October 24, 2002, as Instrument No. 2002-600846, in the Official Records of the County of Riverside ffi ("Official Records"l; (ii) that certain Declaration of Development Covenants, Conditions and Restrictions entered into and recorded on October 242002, as Instrument No. 2002-600848, in the Official Records of the r,,u ty �� v;..o, �;aa, by and between Landaq, as the "Company," and Participant, as the "Builder," which sets forth certain development and use restrictions with which Participant is required to comply; and (iii) that certain Option Agreement and Escrow Instructions entered into on or about October 24, 2002, by and between Landaq, as the "Company," and Participant, as the "Builder," which provides for Participant's grant to Landaq of an option to repurchase the Site in accordance with the terms thereof, as memorialized by that certain Memorandum of Option entered into by those parties and recorded on October 24, 2002, as Instrument No. 2002-600849, in the Official Records. of the County fRiyo,-si 1.16 Participant. The term "Participant" shall mean Apartments at La Quinta Village, LP, a California limited partnership, and any permitted assignees and successors of same as set forth in Section 7.0. 1.17 Project. The term "Project" shall mean the construction on the Site of an affordable rental housing complex with not less than two hundred (200) units, of which seventy- five (75) units shall be the Restricted Units, and related interior and exterior improvements, including, but not limited to, a private recreation center. The Project is more particularly described in the Scope of Development attached hereto and incorporated herein as Exhibit "C". 1.18 Project Area. The term "Project Area" shall mean Redevelopment Project Area No. 1 which is located in the City of La Quinta, California. The exact boundaries of the Project Area are specifically described in the Redevelopment Plan. 1.19 Redevelopment Plan. The term "Redevelopment Plan" shall mean the Redevelopment Plan for the Project Area, as the same has been amended prior to the Effective Date and as it may be further amended from time to time. A copy of the Redevelopment Plan in effect on the Effective Date is on file in the Office of the City Clerk of the City. The Redevelopment Plan is incorporated herein by this reference as though fully set forth herein. 1.20 Release of Construction Covenants. The term "Release of Construction Covenants" shall mean that certain Release of Construction Covenants, in the form attached hereto and incorporated herein as Exhibit "H". 1.21 Restricted Units. The term "Restricted Units" shall mean the seventy-five (75) rental apartment dwelling units in the Project that are covenanted for affordability, occupancy, and with respect to other matters pursuant to this Agreement and the Agency Regulatory Agreement. Any individual such unit shall be referred to as a "Restricted Unit." 882/015610-0063 3 1 r' 325173.04 a11/19/02 Or • .• :: Z=A=AL---:.Z==A ......��:.�. 1.23 4-.2-3 Schedule of Performance. The term "Schedule of Performance" shall mean that certain Schedule attached hereto and incorporated herein as Exhibit "D". 1.24 1-14 1.25 Site. The term "Site" shall mean that certain undeveloped real property, located approximately 630 feet north of Calle Tampico and 150 feet east of Eisenhower Drive, in the City of La Quinta. The Site is legally described as Exhibit "A", and is shown on the Site Map attached hereto and incorporated herein as Exhibit "B". 1.26 4425 1.27 Title Company. The term "Title Company" shall mean the title company approved by Agency and Participant responsible for issuing a lender's policy of title insurance to the Agency insuring the priority of the Agency Deed of Trust and Agency Regulatory Agreement. 1.28 446 1.29 Unrestricted Units. The term "Unrestricted Units" shall mean the one hundred twenty-five (125) rental apartment dwelling units in the Project that are not restricted for affordability. Any individual such unit shall be referred to herein as an "Unrestricted Unit." 2.0 PURPOSE OF AGREEMENT. The purpose of this Agreement is to effectuate the Redevelopment Plan for the Project Area by providing for Participant's construction of the Project on the Site and thereby assisting in the provision of adequate housing affordable to moderate income households within the City. The development of the Project on the Site and the fulfillment generally of this Agreement are in the best interests of the City and the welfare of its residents and are in accordance with the public purposes and provisions of applicable federal, state, and local laws and regulations, pursuant to which the Project is being undertaken. 3.0 CURRENT OWNERSHIP OF THE SITE; PARTICIPANT ACQUISITION OF THE SITE. 3.1 Ownership of the Site. Participant is the owner of fee title to the Site. Prior to the execution of this Agreement, Participant has delivered to Agency a 'f e and eeffeet eepy of the fully signed Sale Esefew histfuetiens and a eepy of the gfant deed eonveying the Site to Im and correct and fully executed conies of the documents setting forth the Landaa Restrictions, including -a cony of the Grant Deed. Participant a—Vat Deed"). D-ai4i^aii 16 882/015610-0063 325173.04 a11/19/02 4 represents that t1, Sale Eser-ew Inst fu etions (a) p ide that Participant's purchase price for the Site and the Pr^^erty Adjaeefit To Sites certain real property adjacent to the Site was equal to Two Million Dollars ($2,000,000). ; and (b) do not „t^;,, ^ toffs that would ,samba wouldeser-ew or- ether- fees to be ehar-ged to -PaAieipant at the elese of e—f-A-VII te be, higher- than 'A' r lly be ,.>1a fged f ^similar- t,-ansaetie ,,, River -side County Participant further represents to Agency that the portion of said purchase price that represents the purchase price of the Site is One Million Seven Hundred Thirty -Eight Thousand Three Hundred Fourteen Dollars ($1,738,314). Based on the foregoing, Participant qualifies as an "owner -participant" within the meaning of the California Community Redevelopment Law (Health & Safety Code § 33000 et sec .). Participant shall indemnify, defend, and hold Agency harmless from and against all liability, loss, damage, cost, and expense (including expert witness fees, attorney's fees, and defense costs) arising from or related to any dispute related to the Salo > ser-ow instfuetions of Qfth Landaa Restrictions, 3.2 Agency Title Policy. On November —15, 2002, the Title Company delivered to Agency an updated commitment for title insurance dated November 4, 2002, as Order No. 219891, together with copies of all underlying documents as may be revealed by the preposed title pelie5 updated commitment (collectively, the "Proposed Tito Polie =" )"Title Commitment" 1. Participant shall, at no cost to Agency, cause the Title Company to issue and deliver to Agency an ALTA lender's policy of title insurance, together with such endorsements as may be reasonably requested by Agency, with liability in the amount of the Agency Note, covering the Site, showing title vested in Participant and insuring the validity and priority of, respectively, the Agency Deed of Trust and Agency Regulatory Agreement (the "Agency Title Policy") subject only to: 3.2.1 those exceptions to title set forth in the Pfepesed Title P&� Commitment that the Executive Director has approved, in writing, as "acceptable;" provided, however, that Agency may only object to those exceptions that adversely affect the developability of the Site; 3.2.1 all nondelinquent general and special real property taxes and assessments; 3.2.2 the Grant Deed; and 3.2.3 such other matters as may be approved in writing by the Executive Director. 3.3 Conditions to Agency's Performance. As a further condition precedent to Agency's performance of its obligations set forth in this Agreement, all of the following shall have been performed or completed by the date set forth in the Schedule of Performance): 3.3.1 Participant shall have executed (and acknowledged where required) and submitted to Agency the Agency Note, Agency Deed of Trust and Agency Regulatory Agreement, and all other agreements and documents reasonably required to be signed by Participant pursuant to this Agreement and the agreements and documents referenced in this Agreement. 882/015610-0063 325173.04 al1/19/02 5 167 3.3.2 The Executive Director shall have reviewed and approved the title condition and the Title Company shall have issued the Agency Title Policy with only those exceptions pre -approved in this Agreement or as approved by the Executive Director in his/her sole and absolute discretion. 3.3.3 Participant shall have submitted to the Executive Director the evidence of insurance required by the Agency Regulatory Agreement, with such insurance coverages to be effective as of the Effective Date. 3.3.4 Participant shall have obtained all necessary land use entitlements to construct the Project. 3.3.5 Participant is not in material default of Q any of the terms of (i4 this Agreement; or (ii) the Sale > ser-ow Instf,,,.ti any of the Landaa Restrictions. 3.4 Brokerage Commissions. Participant and Agency shall each indemnify, defend, and hold harmless the other from and against all liabilities, costs, damages, and expenses, including, without limitation, attorneys' fees, resulting from any claims for fees or commissions, based upon agreements by the other or any person or entity affiliated with the other, if any, to pay a broker's commission and/or finder's fee pertaining to Participant's acquisition of the Site. No such fee(s), if any, shall be paid out of the Agency Loan. 3.5 Taxes and Assessments and Liens. Participant shall pay, when due, all real estate taxes and assessments assessed or levied against all or any portion of the Site subsequent to conveyance of title. 4.0 AGENCY LOAN; PHYSICAL CONDITION OF SITE. 4.1 Agency Loan; Disbursement. Subject to the terms and conditions of this Agreement, including, but not limited to, the conditions to disbursement set forth in the Agency Note, Agency shall assist in the financing of the construction of the Project by providing Participant with the Agency Loan from the Agency's Low and Moderate Income Housing Fund in the amount of THREE MILLION DOLLARS ($3,000,000.00). The Agency Loan shall be disbursed in accordance with the terms of the Agency Note. The Agency Loan shall be evidenced by the Agency Note and Agency Deed of Trust. Interest, in the amount of seven percent (7%) per annum, shall accrue on each portion of the Agency Loan commencing on the date such portion is disbursed. 4.2 Agency Note; Agency Deed of Trust. Repayment of the Agency Loan shall be in accordance with the terms of the Agency Note, attached hereto and incorporated herein as Exhibit "E." Repayment of the Agency Note shall be partially secured by the Agency Deed of Trust. Notwithstanding any of the foregoing, however, the Agency Note shall be automatically cancelled, and the Agency Deed of Trust shall be reconveyed, at such time when the Agency has issued a Release of Construction Covenants for the Project. 4.3 Phvsical Condition of Site. 882/015610-0063 1 � 11 325173.04 a]1/19/02 6 4.3.1 Disclaimer of Warranties. Participant acknowledges that neither the Agency nor any of its officials, employees, agents, contractors, or representatives have made any representations, warranties or agreements to or with Participant on behalf of Agency as to any matters concerning the Site, the present use thereof, or the suitability of Participant's intended or contemplated use of the Site. The foregoing disclaimer includes, without limitation, topography, climate, air, water rights, utilities, present and future zoning, soil, subsoil, Hazardous Materials, patent and latent physical conditions or defects, the purposes to which the Site is suited, drainage, access to public roads, and the availability of governmental permits or approvals of any kind. Participant represents and warrants to Agency that it has investigated the Site, and has knowledge of the operative governmental laws and regulations (including, but not limited to, zoning, environmental, hazardous waste and land use laws and regulations) to which the Site may be subject, and has acquired the Site on the basis of its review and determination of the application and effect of such laws and regulations. Participant has neither received nor relied upon any representations concerning such laws and regulations made by Agency or its employees, agents, contractors, or representatives, or any other person acting on the behalf of Agency except as set forth in this Agreement. Any agreements, warranties, or representations not expressly contained in this Agreement shall in no way bind Agency. Participant acknowledges that it is fully responsible for obtaining any and all permits from the City and other governmental entities as may be required for the Project. Nothing in this paragraph is intended to defeat or declare void any permits, approvals, or entitlements that Participant has obtained with respect to the Site prior to the date of this Agreement. 4.3.2 Participant Indemnity Regarding Physical Condition of the Site. From and after the Effective Date, Participant shall indemnify, defend, and hold Agency harmless from and against any and all claims, suits, penalties, expenses, losses, damages, attorney's fees, judgments, or any other action or damage of any kind or nature arising out of or related to any of the matters described in Section 4.3.1. Notwithstanding any other provision of this Agreement to the contrary, Participant's indemnification as set forth in this Section 4.3.2 shall survive the termination of this Agreement and shall continue in perpetuity. 5.0 PARTICIPANT REPRESENTATIONS AND WARRANTIES. 5.1 Effective Date of Representations and Warranties. All of the representations and warranties set forth in this Section 5.0 are valid as of Effective Date and shall remain valid, true, and correct unless Participant discloses to Agency in writing a change in any of the representations or warranties set forth herein. 5.2 Representations and Warranties. In addition to other representations and warranties of Participant set forth in this Agreement, Participant hereby makes the following representations, covenants, and warranties for the benefit of Agency and Agency's successors and assigns, and acknowledges that the execution of this Agreement by Agency has been made in material reliance by Agency on such representations and warranties: 5.2.1 No Default. Other than the consents obtained as set forth in this Agreement, the execution and delivery of this Agreement and all other documents to be executed by Participant pursuant to this Agreement will not constitute or result in any default or event that 882/015610-0063 325173.04 all/19/02 7 with notice or the lapse of time, or both, would be a default, breach, or violation of any other agreement, instrument, or arrangement by which Participant is bound. 5.2.2 No Violation. The execution and delivery of this Agreement and all other documents to be executed by Participant pursuant to this Agreement and the consummation of the transactions contemplated herein will not violate any provision of or require any consent, authorization, or approval under any law or administrative regulation or any other order, award, judgment, writ, injunction or decree applicable to, or any governmental permit or license issued to Participant. 5.2.3 No Bankruptcy. Participant has not filed or been the subject of any filing of a petition under the Federal Bankruptcy Law or any insolvency laws, or any laws for the discharge of indebtedness or for the reorganization of debtors. 5.2.4 No Misrepresentation. No representation, warranty, or covenant of Participant in this Agreement, or in any document or certificate furnished or to be furnished to Agency pursuant to this Agreement, contains or will contain any untrue statement of a material fact or omits or will omit to state a material fact necessary to make the statements contained herein or therein not misleading. 5.2.5 Due Execution. This Agreement and all other documents to be executed by Participant pursuant to this Agreement have been or will be duly executed by Participant and constitute valid, binding, and enforceable obligations of Participant. If other than an individual, Participant has complied with all laws and regulations concerning its organization, existence, and transaction of business. 5.2.6 No Extraneous Consideration. Participant has not paid or given to, and will not pay or give to, Agency or any official or agent of Agency any money or other consideration for obtaining this Agreement, except as may be expressly provided herein. 5.2.7 Financial Information. All financial information delivered to Agency, including, without limitation, information relating to the financial condition of Participant, the Site, and the Project accurately represents such financial condition and has been prepared in accordance with accepted accounting principles consistently applied, unless otherwise noted in such information. Participant shall notify Agency in writing of any material changes to such information delivered to the Agency. 6.0 PROJECT DEVELOPMENT. 6.1 Construction of the Project. 6.1.1 Development In Accordance With Plans. Participant shall develop the Project in accordance with this Agreement and the Approved Plans and Permits. As completed, the Project: (a) shall comply with all applicable laws and ordinances of all governmental authorities, including, without limitation, all laws and ordinances necessary to permit rehabilitation of the Site as permitted by this Agreement; and (b) will be wholly in compliance with any enforceable building restriction laws, however established, and will not violate any enforceable use, easement, license, covenant, condition, or other restriction affecting the Site. 882/015610-0063 g 325173.04 a11/19/02 6.1.2 Evolution of Development Plans. Within the times set forth in the Schedule of Performance, Participant shall submit to the City preliminary and final drawings and specifications for development of the Project in accordance with the Scope of Development, the concept drawings, and in accordance with the City's requirements. The term preliminary and final drawings shall be deemed to include, unless otherwise waived by City, site plans, building plans and elevations, landscaping plans, parking plans, and all other plans, drawings, and specifications required to obtain site plan approval and, with respect to final drawings, to obtain a building permit. Said plans, drawings and specifications shall be consistent with the Scope of Development and the various development approvals referenced hereinabove, except as such items may be amended by City (if applicable) and by mutual consent of City, Agency, and Participant. Plans, (concept, preliminary and construction) shall be progressively more detailed. 6.1.3 Other Governmental Permits. Before commencement of construction or development of any buildings, structures, or other work of improvement upon the Site, Participant shall secure or cause to be secured any and all permits and approvals which may be required by City or any other governmental agency affected by such construction, development, or work to be performed by Participant pursuant to the Scope of Development, including, but not limited to, necessary building permits and all approvals required under CEQA. Not by way of limiting the foregoing, in constructing the Project, Participant shall comply with all applicable development standards in City's Municipal Code and shall comply with all building code, landscaping, signage, and parking requirements except as may be permitted through approved variances and modifications. Agency agrees, at no cost to Agency, to reasonably assist Participant in its efforts to obtain permits and approvals for the Project; provided, however, that Agency does not represent, warrant, or guarantee that any permit or approval will be granted or issued or that any such permit or approval will be granted or issued with or without any particular conditions. 6.1.4 Cost of Construction; Subordination. Except for the Agency Loan, Participant shall bear all costs of preparing and developing the Project and constructing and rehabilitating all improvements on the Site, including, but not limited to, any and all costs for construction, architectural and engineering plans, preparation of the Site, costs associated with meeting applicable seismic standards, interim and permanent financing, and fees or charges for development and building. The Agency agrees to subordinate the Agency Deed of Trust and Regulatory Agreement to Participant's construction loan or subsequent permanent loan, provided that (i) the maximum cumulative principal amount of the construction loan shall not exceed ninety percent (90%) of the lender's appraised value of the Site upon completion of the Project, which amount shall be verified in writing to Agency Executive Director's reasonable satisfaction; (ii) the loan(s) shall obligate Participant to expend loan proceeds for no other purpose than the Project; and (iii) the loan(s) shall provide that any notice of Participant breach or default shall also be sent to the Agency at the address listed in Section 12.1 and that upon receipt of such notice, Agency shall have the right to (A) cure the noticed breach or default, (B) negotiate with the lender regarding the noticed breach or default, and (C) purchase the property from Participant subject to the construction lender's deed of trust, without the consent of Participant or the holder of the construction lender's deed of trust, and that Agency's exercise of the foregoing rights shall not, in and of itself, give rise to any right on the part of the lender to accelerate the amounts due 882/015610-0063 9 �` 325173.04 al 1/19/02 under the loan. Agency agrees that the lender may, during the period of default, proceed with its rights and remedies against Participant as a result of such default, subject only to he cure rights provided above. Agency's Executive Director is hereby authorized to make technical modifications to the requirements set forth above for any subordination executed pursuant to this Section to accommodate the reasonable requests of a lender. In agreeing to provide the subordination referred to in the this Section, Agency hereby incorporates the finding required to be made in accordance with Health and Safety Code Section 33334.14. 6.1.5 Construction Schedule; Reports. Participant shall commence and complete construction of the Project within the times set forth in the Schedule of Performance. Once construction is commenced, Participant shall diligently pursue such construction to completion and, subject to Section 12.4 hereof, Participant shall not abandon such construction for more than ten (10) consecutive business days. Participant shall keep Agency informed of the progress of construction and submit to the Executive Director written reports of the progress of construction when and in the form requested. 6.1.6 Drawings and Specifications. Participant shall construct the Project upon the Site in accordance with the construction drawings, working specifications, and related documents that shall be submitted to and approved by the Agency and City in advance and in writing. 6.1.7 Nondiscrimination During Construction. Participant, for itself and its successors and assigns, agrees that during the construction of the Project, Participant shall not discriminate against any employee or applicant for employment because of race, color, creed, religion, sex, marital status, national origin, or ancestry. 6.1.8 Rights of Access. Representatives of Agency shall have the reasonable right of access to the Site without charges or fees, at any time during normal construction hours during the period of construction, for the purpose of assuring compliance with this Agreement, including but not limited to the inspection of the construction work being performed by or on behalf of Participant. Each such representative(s) of Agency shall identify himself or herself at the job site office upon his or her entrance to the Site, and shall provide Participant, or the construction superintendent or similar person in charge on the Site, a reasonable opportunity to have a representative accompany him or her during the observation. Agency shall indemnify, defend, and hold Participant harmless from any injury or property damage caused or liability arising out of Agency's exercise of this right of access, except and to the extent that such injury, damage, or liability is caused by the negligence or willful misconduct of Participant and/or Participant's agents, servants, employees or contractors. Any observation, examination, or inspection occurring by Agency during its/their access pursuant to this Section shall not be construed or deemed as an inspection pursuant to any building codes or the Municipal Codes or any other inspection that may be performed by City or any other public entity. 6.1.9 Construction Contract. The Agency acknowledges and agrees that Participant shall act as the general contractor for the improvements required to be constructed by Participant for the Project. Participant shall comply with all applicable laws and regulations pertaining to the contracting of work for construction of the improvements, including but not 882/015610-0063 1 325173.04 al1/19/02 10 ( �' limited to the payment of wages for services engaged and bills for materials, supplies, and equipment. Participant shall not permit any mechanics' or materialmens' liens to be recorded against the Site. 6.2 Indemnification. During the period of any construction of the improvements pursuant to this Agreement and until such time as the Agency issues is re uired to issue its Release of Construction Covenants for the Project, Participant agrees to and shall indemnify and hold Agency and City and their respective agents, servants, employees, or contractors harmless from and against all liability, loss, damage, cost, or expense (including expert witness fees and 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 which shall occur on the Site and which shall be directly or indirectly caused by the acts done thereon or any errors or omissions of Participant or its agents, servants, employees, invitees, or contractors except and to the extent such liability, loss, damage, costs, or expense is caused by the active negligence or willful misconduct of Agency. The provisions of this Section shall survive the termination of this Agreement. 6.3 Applicable Laws. Participant shall construct the Project in conformity with all applicable federal, state, and local laws, rules, and regulations, including, but not limited to, applicable wage and labor laws. Participant agrees to indemnify, defend, and hold Agency and City harmless from and against all liability, loss, damage, cost, or expense (including expert witness fees and reasonable attorney's fees and costs) arising from or as a result of any violation of any applicable law, ordinance, statute, rule or regulation, including, but not limited to, prevailing wage laws, except to the extent such violation arises from the active negligence of Agency. 6.4 Release of Construction Covenants. Upon written request by Participant, and upon satisfactory completion of the Project, as evidenced by City's issuance of a certificate of occupancy (excluding a temporary certificate of occupancy issued by City), Agency shall issue to Participant a Release of Construction Covenants as long as Participant is not in default under this Agreement or any documents related hereto. The Release of Construction Covenants shall be, and shall so state, a conclusive determination of satisfactory completion of construction of the Project. After the date Participant is entitled to issuance of the Release of Construction Covenants, and notwithstanding any other provision of this Agreement to the contrary, any party then owning or thereafter purchasing, leasing or otherwise acquiring any interest in the Site shall not (because of any such ownership, purchase, lease, or acquisition) incur any obligation or liability under this Agreement, except that such party shall be bound by the covenants that survive the issuance of the Release of Construction Covenants, including as set forth in the Regulatory Agreement. The Release of Construction Covenants is not a notice of completion as referred to in California Civil Code section 3093. If Agency refuses or fails to furnish a Release of Construction Covenants after written request from Participant, Agency shall, within fifteen (15) days after the written request, provide the Participant a written statement of the reasons Agency refused or failed to furnish a Release of Construction Covenants. The statement shall also contain the Agency's opinion of the action Participant must take to obtain a Release of Construction Covenants. If Agency shall have failed to provide such written statement within said fifteen (15) day period, Participant shall be deemed 882/015610-0063 171 325173.04 al1/19/02 1 1 entitled to the Release of Construction Covenants. If Agency refuses or fails to furnish the Release of Construction Covenants for the reason that specific minor non -life safety items or materials are not available or landscaping i-s or other punch -list items are not complete and the cost thereof is less than two percent (2%) of the Agency Loan amount, as set forth in the Project Budget, Agency shall issue the Release of Construction Covenants upon the posting by Participant with Agency of a cash deposit, bond, or irrevocable letter of credit (in a form acceptable to Agency), at Participant's option, in an amount representing one hundred percent (100%) of the fair value of the work not yet completed. 7.0 TRANSFER AND ASSIGNMENT. 7.1 Sale or Transfer of the Project. Participant covenants that during the term of this Agreement and the Agency Regulatory Agreement Participant shall not assign this Agreement or transfer the Site or any of its interests therein except as provided in this Section 7.0. 7.2 Transfer Defined. As used in this Section 7.0, the term "Transfer" shall include any assignment, hypothecation, mortgage, pledge, conveyance, or encumbrance of this Agreement, the Site, or the improvements thereon. A Transfer shall also include the transfer to any person, entity, or group of persons or entities acting in concert of more than fifty percent (50%) (in the aggregate) of the present ownership and/or control of any person or entity constituting Participant, taking all transfers into account on a cumulative basis. In the event any entity constituting Participant, its successor or the constituent partners or members of Participant or any successor of Participant, is a corporation or trust, such transfer shall refer to the transfer of the issued and outstanding capital stock of such corporation, or of beneficial interests of such trust; in the event that any entity constituting Participant, its successor or the constituent partners of Participant or any successor of Participant is a limited or general partnership, such transfer shall refer to the transfer of more than fifty percent (50%) of such limited or general partnership interest; in the event that any entity constituting Participant, its successor or the constituent members of Participant or any successor of Participant is a limited liability company, such transfer shall refer to the transfer of more than fifty percent (50%) of such membership interest; in the event that any entity constituting Participant, its successor or the constituent partners of Participant or any successor of Participant is a joint venture, such transfer shall refer to the transfer of more than fifty percent (50%) of the ownership and/or control of any such joint venture partner, taking all transfers into account on a cumulative basis. 7.3 Agency Approval of Transfer Required. Except as set forth below, Participant shall not Transfer this Agreement or any of Participant's rights hereunder, or any interest in the Site or in the improvements thereon, directly or indirectly, voluntarily or by operation of law, without the prior written approval of Agency, which approval shall not be unreasonably withheld, conditioned, or delayed, and any such purported Transfer without such approval shall be null and void. Notwithstanding the foregoing, the following types of transfers shall not require Agency approval but as with all Transfers shall be subject to Section 7.4: (i) Transfers to any entity or entities owned or controlled directly or indirectly by Participant or any of its respective shareholders or partners, or to any parent corporation or subsidiary corporation of any partners of Participant, or to any entity or entities controlled by any such shareholders 882/015610-0063 1 4 325173.04 al 1/19/02 12 or partners, or to any members of any entity which is a partner of Participant, or to any of its constituent members or partners; (ii) The leasing of individual rental units on the Site provided that such leasing is in accordance with the terms of this Agreement and of the Agency Regulatory Agreement; (iii) Transfers resulting from the death or mental or physical incapacity of an individual; (iv) Transfers in trust for the benefit of a spouse, children, grandchildren, or other family member, or for charitable purposes; (v) Transfers of stock in a publicly -held corporation or of the beneficial interest in any publicly -held partnership or real estate investment trust; (vi) Any mortgage, deed of trust, sale and leaseback, or other form of conveyance required for any reasonable method of financing or refinancing the acquisition of the Site and development of the Project thereon, including all direct and indirect costs related thereto; or (vii) The conveyance or dedication or portions of the Site to the City or other governmental entity, or the granting of easements or permits to facilitate the development of the Site. Agency shall reasonably consider approving a transfer to an entity not owned or controlled by Participant provided such entity has both of the following: (A) the financial strength and capability, equal to or greater than the financial strength and capability of Participant, to perform Participant's obligations hereunder; and (B) the experience and expertise, at levels equal to or greater than the experience and expertise of Participant, in the planning, financing, development, ownership and operation of similar projects. 7.4 Assignment and Assumption Agreement. In the absence of specific written agreement by Agency, no Transfer by Participant of all or any portion of its interest in the Site or this Agreement, whether or not requiring the approval by Agency, shall be deemed to relieve Participant or any successor party from the obligation to timely complete construction of the Project. In addition, no attempted Transfer of any of Participant's obligations hereunder shall be effective unless and until Participant and the transferee or successor party execute and deliver to Agency a binding assignment and assumption agreement in a form reasonably approved by Agency's legal counsel. 7.5 Pennitted Transferee. A "Permitted Transferee" under this Agreement shall be a transferee or assignee that either (i), has been approved by the Executive Director, or (ii) is a transferee of a Transfer not requiring the approval of the Executive Director pursuant to the terms of this Agreement, and both the cases described in the foregoing clauses (i) and (ii) has executed and delivered to the Executive Director an assignment and assumption agreement pursuant to Section 7.4. 882/015610-0063 1 325173.04 al1/19/02 13 8.0 INSURANCE. From and after the Effective Date, and for the term of the Agency Regulatory Agreement, Participant shall procure and maintain, at its sole cost and expense, the insurance set forth in the Agency Regulatory Agreement. Not later than the Effective Date of this Agreement, Participant shall provide the Executive Director with Certificates of Insurance or appropriate insurance binders evidencing said insurance coverages and said Certificates of Insurance or binders shall be subject to the reasonable approval of the Executive Director. Participant agrees that the provisions of this Section shall not be construed as limiting in any way the extent to which Participant may be held responsible for the payment of damages to any persons or property resulting from the Participant's activities or the activities of any person or persons for which the Participant is otherwise responsible. 9.0 RIGHTS OF HOLDERS OF APPROVED SECURITY INTERESTS IN SITE. 9.1 Definitions. As used in this Section 9.0, the term "mortgage" shall include any mortgage, whether a leasehold mortgage or otherwise, deed of trust, or other security interest, or sale and lease -back, or any other form of conveyance for financing. The term "holder" shall include the holder of any such mortgage, deed of trust, or other security interest, or the lessor under a lease -back, or the grantee under any other conveyance for financing. 9.2 Limitation on Encumbrances. Except as otherwise permitted by this Agreement, including but not limited to clause (f) vi of Section 7.3, Participant shall not mortgage the Site or any portion thereof or any interest therein, any other mortgages or conveyances for financing that encumber the Site or any portion thereof, without the prior written approval of the Executive Director, which approval shall not be unreasonably withheld. 9.3 Participant's Breach Does Not Defeat Mortgyage Lien. Participant's breach of any of the covenants or restrictions contained in this Agreement or in the Agency Regulatory Agreement shall not defeat or render invalid the lien of any mortgage permitted pursuant to this Agreement, made in good faith and for value as to the Site, or any part thereof or interest therein, but unless otherwise provided herein, the terms, conditions, covenants, restrictions, easements, and reservations of this Agreement shall be binding and effective against the owner of the Site where, from and after such time said owner, including any lender, acquires the Site by foreclosure, trustee's sale, or otherwise. 9.4 Notice of Default to Mortgagee Deed of Trust or Other Security Interest Holders. Whenever Agency shall deliver any notice or demand to Participant with respect to any breach or default by Participant hereunder, Agency shall at the same time deliver a copy of such notice or demand to each holder of record of any mortgage who has previously made a written request to Agency therefor, or to the representative of such lender as may be identified in such a written request by the lender. No notice of default shall be effective as to the holder unless such notice is given. 9.5 Right of the Agency to Satisfy Other Liens on the Property After Conveyance of Title. Prior to the recordation of the Release of Construction Covenants for the Project 4h date Agency is required to issue the Release of Construction Covenants, if earlier), and after 882/015610-0063 1 4 325173.04 al1/19/02 Participant has had a reasonable time to challenge, cure, or satisfy any liens or encumbrances on the Site or any portion thereof which have not been approved by Agency, Agency shall have the right to satisfy any such liens or encumbrances; provided, however, that it Agency shall notiffy Participant at least ten (10) days prior to satisfying any liens or encumbrance pursuant to this Section 9.5, and (h) nothing in this Agreement shall require Participant to pay or make provision for the payment of any tax, assessment, lien or charge so long as Participant in good faith shall contest the validity or amount thereof, and so long as such delay in payment shall not subject the Site or any portion thereof to forfeiture or sale. Agency shall have the right to reimbursement from Participant for any amount expended pursuant to this Section, which right of reimbursement shall be secured by a lien on the Site, with power of sale. 10.0 USE OF THE SITE. 10.1 Use of the Site. 10.1.1 Dwelling Units. Participant hereby covenants and agrees, for itself and its successors and assigns, to use and maintain the Site only as a rental apartment housing project with two hundred (200) apartment dwelling units ("Units"), with not fewer than seventy-five (75) of the Units to be rented to persons and families whose income does not exceed 120% of the median income for Riverside County, adjusted for family size, as determined by the California Department of Housing and Community Development ("Restricted Units"), all as more fully described in the Agency Regulatory Agreement. The balance of the Units shall be available for rent without restriction and are referred to herein as the "Unrestricted Units." 10.2 No Inconsistent Uses. Participant covenants and agrees that it shall not devote the Site to uses inconsistent with the Redevelopment Plan, the applicable zoning restrictions, this Agreement, the Agency Regulatory Agreement, or the Agency Loan Documents. Agency hereby confirms that multifamily residential use (and associated parking) is a use permitted by the Redevelopment Plan. 10.3 Obligation to Refrain from Discrimination. There shall be no discrimination against, or segregation of, any persons, or group of persons, on account of race, color, creed, religion, sex, marital status, ancestry, or national origin in the rental, sale, lease, sublease, transfer, use, occupancy, or enjoyment of the Site, or any portion thereof, nor shall Participant, or any person claiming under or through Participant, establish or permit any such practice or practices of discrimination or segregation with reference to the selection, location, number, use, or occupancy of tenants, lessees, subtenants, sublessees, or vendees of the Site or any portion thereof. The nondiscrimination and nonsegregation covenants contained herein shall remain in effect in perpetuity. 10.4 Effect of Covenants. Agency is deemed a beneficiary of the terms and provisions of this Agreement and of the restrictions and covenants running with the land, whether or not appearing in the Agency Regulatory Agreement, for and in its own right and for the purposes of protecting the interests of the community in whose favor and for whose benefit the covenants running with the land have been provided. The covenants in favor of Agency shall run with the land without regard to whether Agency has been, remains, or is an owner of any land or interest therein in the Site, or in the Redevelopment Project Area, and shall be effective as both 882/015610-0063 1 5 1 w 325173.04 al1/19/02 covenants and equitable servitudes against the Site. Agency shall have the right, if any of the covenants set forth in this Agreement which are provided for its benefit are breached, to exercise all rights and remedies and to maintain any actions or suits at law or in equity or other proper proceedings to enforce the curing of such breaches to which it may be entitled. The covenants running with the land and their duration are set forth in the Agency Regulatory Agreement. 11.0 DEFAULT; ENFORCEMENT. 11.1 Defaults, Right to Cure and Waivers. 11.1.1 Subject to any Enforced Delay, and unless otherwise more specifically provided in this Agreement, failure or delay by either party to timely perform any covenant of this Agreement constitutes a default under this Agreement, but only if the party who so fails or delays does not commence to cure, correct or remedy such failure or delay within thirty (30) days after receipt of a written notice specifying such failure or delay, and does not thereafter prosecute such cure, correction or remedy with diligence to completion. 11.1.2 Any default by Participant under this Agreement, or of the Agency Note, or of the Agency Deed of Trust, or of the Agency Regulatory Agreement, or of any of the Landaq Restrictions, shall constitute a default of all of the foregoing agreements entitling Agency to pursue whatever remedies to which it is entitled under such agreements; provided that the required notice of default under Section 11.1.1 has been given and the time period to commence and complete a cure, correction, or remedy of such noticed default has expired without such default having been cured, corrected, or remedied. 11.1.3 The injured party shall give written notice of default to the party in default, specifying the default complained of by the injured party. Except as required to protect against further damages, the injured party may not institute proceedings against the party in default until thirty (30) days after giving such notice. Failure or delay in giving such notice shall not constitute a waiver of any default, nor shall it change the time of default. 11.1.4 Except as otherwise provided in this Agreement, waiver by either party of the performance of any covenant, condition, or promise, shall not invalidate this Agreement, nor shall it be considered a waiver of any other covenant, condition, or promise. Waiver by either party of the time for performing any act shall not constitute a waiver of time for performing any other act or an identical act required to be performed at a later time. The delay or forbearance by either party in exercising any remedy or right as to any default shall not operate as a waiver of any default or of any rights or remedies or to deprive such party of its right to institute and maintain any actions or proceedings which it may deem necessary to protect, assert, or enforce any such rights or remedies. 11.2 Legal Actions. 11.2.1 Institution of Legal Actions. In addition to any other rights or remedies, and subject to the requirements of Section 11.1, either party may institute legal or equitable action to cure, correct or remedy any default, to recover damages for any default, or to obtain any other remedy consistent with the purpose of this Agreement; provided, however, that notwithstanding the foregoing, in no event shall Participant be entitled to damages related to 882/015610-0063 16 1711 325173.04 a11/19/02 economic loss, lost profits, or any other damages of like or similar kind or nature. Actions must be instituted and maintained in the Superior Court of the County of Riverside, State of California, in any other appropriate court in that county, or in the appropriate federal district court. 11.2.2 Applicable Law. The laws of the State of California shall govern the interpretation and enforcement of this Agreement. 11.2.3 Acceptance of Service of Process. In the event that any legal action is commenced by Participant against Agency, or by Agency against Participant, service of process shall be made in such manner as may be provided by California law for service on such entity. 11.3 Rights and Remedies are Cumulative. Except as otherwise expressly stated in this Agreement, the rights and remedies of the parties are cumulative, and the exercise by either party of one or more of its rights or remedies shall not preclude the exercise by it, at the same or different times, of any other rights or remedies for the same default or any other default by the other party. 11.4 Attorneys' Fees. If either party to this Agreement is required to initiate or defend any action or proceeding in any way arising out of the parties' agreement to, or performance of, this Agreement, or is made a party to any such action or proceeding by a third party, such that the parties hereto are adversarial, the prevailing party, as between the Participant and Agency, in such action or proceeding, in addition to any other relief which may be granted, whether legal or equitable, shall be entitled to its/their expert witness fees and reasonable attorneys' fees from the other. Attorneys' fees shall include attorneys' fees on any appeal, and in addition a party entitled to attorneys' fees shall be entitled to all other reasonable costs for investigating such action, taking depositions and discovery and all other necessary costs the court allows which are incurred in such litigation. All such fees shall be deemed to have accrued on commencement of such action and shall be enforceable whether or not such action is prosecuted to judgment. 12.0 MISCELLANEOUS. 12.1 Notices. Formal notices, demands, and communications between Agency and Participant shall be sufficiently given if (i) personally delivered, (ii) delivered by a reputable same -day or overnight courier service that provides a receipt showing date and time of delivery, (iii) delivered by United States mail, registered or certified, postage prepaid, return receipt requested, or (iv) delivered by facsimile transmission, provided the original of the faxed communication is delivered within twenty-four (24) hours by one of methods described in clauses (i), (ii), or (iii) of the foregoing. Delivery shall be made to the following addresses: If to Agency: La Quinta Redevelopment Agency 78-495 Calle Tampico La Quinta, CA 92253 Attn: Executive Director Fax: (760) 777-7101 882/015610-0063 1 7 325173.04 al1/19/02 j l With a copy to: Rutan & Tucker, LLP 611 Anton Boulevard, Suite 1400 Costa Mesa, CA 92626 Attn: M. Katherine Jenson, Esq. Fax: (714) 546-9035 If to Participant: Apartments at La Quinta Village, LP 1105 Quail Street Newport Beach, CA 92655 Attn: Victor Mahoney Fax: (949) 250-8574 With a copy to: Palmieri, Tyler, Wiener, Wilhelm & Waldron, LLP 2603 Main Street, Ste. 1300 P.O. Box 19712 Irvine, CA, 92014-0220 Attn: Robert Ihrke Fax: (949) 851-1554 Notices that are personally delivered, delivered by messenger/courier, or by fax (provided there is compliance with the terms of clause (iv) above) shall be deemed effective upon receipt. Notices delivered by mail shall be deemed effective upon the earlier of actual receipt by the addressee thereof or the expiration of forty-eight (48) hours after depositing in the United States Postal System in the manner described in this Section. Such written notices, demands, and communications may be sent in the same manner to such other addresses as a party may from time to time designate by mail. 12.2 Nonliability of Agency Officials and Employ. No member, official, employee, or consultant of Agency shall be personally liable to Participant, or any successor in interest of Participant, in the event of any default or breach by Agency or for any amount which may become due to Participant or to its successor, or on any obligations under the terms of this Agreement. 12.3 Time of Essence. Time is of the essence in the performance of this Agreement. 12.4 Enforced Delay: Extension of Times of Perfonnance. Notwithstanding the foregoing, in addition to specific provisions of this Agreement, performance by either party hereunder shall not be deemed to be in default where delays or defaults are due to war; insurrection; strikes; lock -outs; riots; floods; earthquakes; fires; casualties; supernatural causes; acts of the public enemy; epidemics; quarantine restrictions; freight embargoes; lack of transportation; governmental restrictions or priority litigation; unusually severe weather; inability to secure necessary labor, materials or tools; acts of the other party; acts or the failure to act of a public or governmental agency or entity (except that acts or the failure to act of Agency shall not excuse performance by Agency unless the act or failure is caused by the acts or omissions of Participant); or any other causes beyond the reasonable control or without the fault of the party 882/015610-0063 1 8 325173.04 al1/19/02 claiming an extension of time to perform. In the event of such a delay (herein "Enforced Delay"), the party delayed shall continue to exercise commercially reasonable efforts to minimize the period of the delay. An extension of time for any such cause shall be limited to the period of the Enforced Delay, and shall commence to run from the time of the commencement of the cause, provided notice by the party claiming such extension is sent to the other party within fifteen (15) days following the commencement of the cause. The following shall not be considered as events or causes beyond the control of Participant, and shall not entitle Participant to an extension of time to perform: (i) Participant's failure to obtain financing for the Project, (ii) Participant's failure to negotiate agreements with prospective tenants or users for the Project, (iii) interest rates or (iv) economic or market conditions. Times of performance under this Agreement may also be extended by mutual written agreement by Agency and Participant. The Executive Director shall also have the authority on behalf of Agency to administratively approve extensions of time not to exceed a cumulative total of one (1) year. 12.5 Books and Records. 12.5.1 Maintenance of Books and Records. Participant shall prepare and maintain all books, records, and reports necessary to substantiate Participant's compliance with the terms of this Agreement. 12.5.2 Right to Inspect. Agency shall have the right, upon not less than twenty- four (24) hours' notice, at all reasonable times, to inspect the books and records of the Participant pertinent to the purposes of this Agreement. Said right of inspection shall not extend to documents privileged under attorney -client or other such privileges. 12.6 Ownership of Documents. Copies of all drawings, specifications, reports, records, documents and other materials prepared by Participant, its employees, agents and subcontractors, in the performance of this Agreement, which documents are in the possession of Participant and are not confidential or to which other persons have rights, shall be delivered to Agency upon request in the event of a termination of this Agreement, and Participant shall have no claim for additional compensation as a result of the exercise by Agency of their respective rights hereunder. Agency shall have an unrestricted right to use such documents and materials as if it were in all respects the owner of the same. Participant makes no warranty or representation regarding the accuracy or sufficiency of such documents for any future use by Agency, and Participant shall have no liability therefor. 12.7 Modifications. Any alteration, change or modification of or to this Agreement, in order to become effective, shall be made by written instrument or endorsement thereon and in each such instance executed on behalf of each party hereto. 12.8 Binding Effect of Agreement. This Agreement shall be binding upon and shall inure to the benefit of the parties hereto, their legal representatives, successors, and assigns. This Agreement shall likewise be binding upon and obligate the Site and the successors in interest, owner or owners thereof, and all of the tenants, lessees, sublessees, and occupants of such Site. 12.9 Severability. Wherever possible, each provision of this Agreement shall be interpreted in such a manner as to be effective and valid under applicable law. If, however, any 882/015610-0063 325173.04 a11/19/02 19 provision of this Agreement shall be prohibited by or invalid under applicable law, such provision shall be ineffective to the extent of such prohibition or invalidity, without invalidating the remainder of such provision or the remaining provisions of this Agreement. 12.10 Interpretation. The terms of this Agreement shall be construed in accordance with the meaning of the language used and shall not be construed for or against either party by reason of the authorship of this Agreement or any other rule of construction which might otherwise apply. The Section headings are for purposes of convenience only, and shall not be construed to limit or extend the meaning of this Agreement. 12.11 Entire Agreement. This Agreement and all documents incorporated herein contain the entire understanding among the parties hereto relating to the transactions contemplated herein and all prior or contemporaneous agreements, understandings, representations, and statements, oral or written, are merged herein and shall be of no further force or effect. 12.12 Waiver; Amendments. All waivers of the provisions of this Agreement, unless specified otherwise herein, must be in writing and signed by the appropriate authorities of Agency or Participant, as applicable. No delay or omission by either party hereto in exercising any right or power accruing upon the compliance or failure of performance by the other party hereto under the provisions of this Agreement shall impair any such right or power or be construed to be a waiver thereof. A waiver by either party hereto of a breach of any of the covenants, conditions or agreements hereof to be performed by the other party shall not be construed as a waiver of any succeeding breach of the same or other covenants, agreements, restrictions or conditions hereof. All amendments hereto must be in writing and signed by the appropriate authorities of Agency and Participant. 12.13 Counterparts. This Agreement may be executed in counterparts, each of which, when this Agreement shall have been signed by all the parties hereto, shall be deemed to be an original, and such counterparts shall constitute one and the same instrument. 12.14 Authority. Agency represents and warrants that: (1) it is a redevelopment agency duly organized and existing under the laws of the State of California; (ii) by proper action of Agency, Agency has been duly authorized to execute and deliver this Agreement, acting by and through its duly authorized officers; and (iii) the entering into this Agreement by Agency does not violate any provision of any other agreement to which Agency is a party. Participant represents and warrants that: (i) it is duly organized and existing under the laws of the State of California; (ii) by proper action of Participant, Participant has been duly authorized to execute and deliver this Agreement, acting by and through its duly authorized principals or officers; and (iii) the entering into this Agreement by Participant does not violate any provision of any other agreement to which Participant is a party to which consent has not been obtained. 12.15 Exhibits. This Agreement includes all exhibits and attachments attached hereto, which by this reference are incorporated in this Agreement in their entirety. This Agreement also includes the Redevelopment Plan and any other documents incorporated herein by reference, as though fully set forth herein. 882/015610-0063 20 1 i 325173.04 al1/19/02 12.16 Effective Date. The effective date of this Agreement shall be the latest of the dates set next to the signatures of the parties hereto after all the parties hereto have signed this Agreement, which latest date shall be inserted into the preamble to this Agreement. [END - SIGNATURE PAGE AND EXHIBITS FOLLOW] IN WITNESS WHEREOF, Agency and Participant have executed this Agreement as of the Effective Date. ATTEST: Agency Secretary APPROVED AS TO FORM: RUTAN & TUCKER, LLP Attorneys for La Quinta Redevelopment Agency "AGENCY" LA QUINTA REDEVELOPMENT AGENCY, a public body, corporate and politic Thomas Genovese, Executive Director "PARTICIPANT" APARTMENTS AT LA QUINTA VILLAGE, LP, a California limited partnership By: Apartments at La Quinta Village, LLC, a California limited liability company Its: General Partner By: Cameo Homes, a California corporation Its: Managing Member By: J.C. Gianulias Its: President 882/015610-0063 21 1 '1 325173.04 al1/19/02 1 - 1�4 882/015610-0063 22 325173.04 a11/19/02 EXHIBIT "A" LEGAL DESCRIPTION OF THE SITE: Parcel 3 of Parcel Map 30721, recorded on October 23, 2002, in Book 203, Pages 30 through 31, of Parcel Maps, filed in the Office of the County Recorder of Riverside County, State of California. 882/015610.0063 i 5 325173.04 all/19/02 EXHIBIT "B" SITE MAP [SEE FOLLOWING PAGE] i 882/015610-0063 325173.04 al1/19/02 [REPLACE THIS PAGE WITH SITE MAP] 882/015610-0063 325173.04 all/19/02 EXHIBIT "C" SCOPE OF DEVELOPMENT PROJECT LOCATION: The Project will be constructed on a 4-2 1 1-acre site near the intersection of Eisenhower Drive and Calle Tampico. PROJECT DESCRIPTION: The Project will consist of (i) 32 two-story, architecturally distinctive buildings, containing 200 one, two and three -bedroom for -lease units, ranging from 670 to 1,117 square feet, and (ii) a private recreation center, with a community room, fitness center, billiards room, resident business center, swimming pool and spa, and other recreational amenities, in a gated setting. Seventy-five of the units will be provided for moderate -income households (those earning between 80% and 120% of the median income for Riverside County). ARCHITECTURAL THEME: The architectural context of the Project will be predominated by an earth -tone color palette of whitewashed stucco over adobe brick with red tile roofs, consistent with the architectural expression of the historic La Quinta Resort and adjacent grounds. The home entries will be articulated as a focal point of a building's front elevation through the use of roof elements, columns, porticos, recesses, window treatments and other architectural features. LANDSCAPING: Indigenous, naturalized and drought -resistant plants have been selected for their appropriateness to the neighborhood architectural theme, climatic and soil conditions, and to facilitate ease of plant maintenance. CONSTRUCTION AND MANAGEMENT ENTITIES: The Project will be constructed by Apartments at La Ouinta Village, LLC. The dwelling units will be managed by Cameo Homes, a Southern California Corporation that has been in the development business for more than 30 years. The dwelling t ill be managed by Mesa Management, a subs=a_,,,... 4'Cameo Homes. 1 u is 882/015610-0063 325173.04 al1/19/02 EXHIBIT "D" SCHEDULE OF PERFORMANCE ITEM TIME FOR NO. ITEM OF PERFORMANCE PERFORMANCE REFERENCE 1. Participant submits evidence of Concurrent with or prior to § 8.0, Agency insurance required by Agency Effective Date of Agreement. Regulatory Regulatory Agreement. Agreement, § 7.0 2. Participant submits complete Not later than one hundred § 6.1.2, 6.1.3 application on Project to City, twenty (120) days after including all required preliminary Effective Date. and final drawings and permit applications, and City has n ed .l is to issue building same add fees, Pat4ieip h nt has parRe.,t of and ,,,.,its n nl obtained all and of the Pr-ejee4 has taken all other actions necessary to obtain Citv's approval of the same. 3. Participant delivers to Agency for Not later than five (5) days § 3.2-3.3 recordation (as applicable) executed after the Effective Date. Agency Note, Agency Deed of Trust, and Agency Regulatory Agreement. 4. Agency disburses Agency Loan. Per terms of the Agreement. § 4.1 5. Participant commences construction Fourteen (14) days after § 6.2.5. of the Project. issuance of building permits. 6. Participant completes construction Within twenty-four (24) § 6.1.5, 6.4. of the Project, obtains a certificate months after performance of of occupancy from the City (if Item No. 5. applicable), and requests Agency issuance of the Release of Construction Covenants. 1 Q'I 882/015610-0063 325173.04 al1/19/02 ITEM TIME FOR NO. ITEM OF PERFORMANCE PERFORMANCE REFERENCE 7. Agency issues Release of Within fifteen (15) business § 6.4 Construction Covenants. days after Participant's request, if Participant is entitled thereto. 8. Agency cancels Agency Note and Within ten (10) business days § 4.2 reconveys Agency Deed of Trust. after Participant's completion of Item No. 7. 9. Participant submits annual report Not later than the September 1 Agency pursuant to Health and Safety Code following the June 30 end of Regulatory Section 33418 to Agency. each fiscal year for term of the Agreement, § 3.7 Regulatory Agreement. It is understood that this Schedule of Performance is subject to all of the terms and conditions of the text of the Agreement, including, but not limited to, the enforced delay provisions contained in Section 12.4. The summary of the items performance in this Schedule of Performance is not intended to supersede or modify the more complete description in the text; in the event of any conflict or inconsistency between this Schedule of Performance and the text of the Agreement, the text shall govern. 110 882/015610-0063 2 325173.04 al1/19/02 EXHIBIT "E" AGENCY NOTE [SEE FOLLOWING PAGES] 19 t 882/015610-0063 325173.04 all/19/02 NOTE 2002 ("Note Date") $3,000,000 ("Loan Amount") FOR VALUE RECEIVED, the undersigned (herein, the "Maker") hereby promises to pay to the order of the LA QUINTA REDEVELOPMENT AGENCY, a public body, corporate and politic ("Holder" or "Agency"), at a place designated by Holder, the principal sum of THREE MILLION DOLLARS ($3,000,000) ("Note Amount"), plus accrued interest, or such lesser amount which shall from time to time be owing hereunder pursuant to the terms hereof. The principal sum hereof shall be disbursed pursuant to the terms and conditions set forth herein and in that certain Affordable Housing Agreement by and among Maker and Holder, dated ("AHA"), pertaining to Maker's redevelopment of certain real property defined in the AHA as the "Site." Reference is also made to the following additional agreements and documents, of even date herewith, involving Maker and Holder and/or pertaining to the Site: (i) Deed of Trust with Assignment of Rents by and between Maker as borrower, Holder as beneficiary, and as Trustee, and recorded in the Office of the Riverside County Recorder ("Agency Deed of Trust"). The Agency Deed of Trust partially secures repayment of this Note. (ii) Regulatory Agreement and Declaration of Covenants and Restrictions, by and between Maker and Holder, for the benefit of Holder, and recorded in the Office of the Riverside County Recorder ("Agency Regulatory Agreement"). The AHA, Agency Deed of Trust, and Agency Regulatory Agreement are referred to herein collectively as the "Agency Agreements." The Agency Agreements are incorporated herein as though fully set forth. Except as otherwise provided herein, the defined terms used in this Note shall have the same meaning as set forth in the AHA. 1. Purpose of Loan. The loan evidenced by this Note is a loan for the purpose of reimbursing Maker for a portion of Maker's Site acquisition costs and for assisting Maker with Maker's costs for constructing the Project on the Site in accordance with the AHA. 2. Principal Amount. The principal amount of this loan shall be THREE MILLION DOLLARS ($3,000,000) ("Loan Amount"). Simple interest shall accrue on the outstanding principal amount at seven percent (7%) per annum, compounded annually. Interest shall accrue as set forth in Section 4 in the event of a Maker default. 3. Disbursement of Agency Loan. 3.1 The Agency Loan shall be disbursed in four disbursements, in accordance with this Section 3. 3.2 A portion of the Agency Loan in the amount of Six Hundred Fifty Thousand Dollars ($650,000) ("Agency Acquisition Assistance") shall be disbursed to Maker to reimburse 882/015610-0063 325173.04 a11/19/02 Maker for a portion of Maker's purchase price for the Site. Maker has submitted to Holder evidence satisfactory to Holder that Maker has acquired fee title to the Site and certain adjacent property for the purchase price of Two Million Dollars ($2,000,000) and that the portion of said purchase price representing the purchase price for the Site is One Million Seven Hundred Thirty - Eight Thousand Three Hundred Fourteen Dollars ($1,738,314). Notwithstanding the Holder's acceptance of Maker's evidence, as set forth in the immediately preceding sentence, Maker represents and to Holder that all of said evidence submitted to Holder is true and correct. Maker agrees that if any of the evidence submitted to Holder is false or inaccurate, Maker shall promptly reimburse Holder for any amount of the Agency Acquisition Assistance for which Holder determines Maker was ineligible. Holder shall disburse the Agency Acquisition Assistance to Maker within fifteen (15) business days after Maker's satisfaction of all of the conditions to disbursement set forth in Section 3.6 below (except the condition set forth in Section 3.6(K)). 3.3 A portion of the Agency Loan in the amount of One Hundred Fifty Thousand Dollars ($150,000) ("Agency Architectural/Engineering Assistance") shall be disbursed to Maker to reimburse Maker for architectural and engineering costs Maker incurs in designing the Project. Once all conditions precedent to disbursement of the Agency Loan set forth in Section 3.6 below have been satisfied, Maker may obtain disbursement of the Agency Architectural/Engineering Assistance or portion thereof by (a) notifying Holder's Executive Director in writing of the amount required; (b) providing Holder with supporting documentation showing the architectural and engineering work performed and the actual cost thereof; and (c) providing Holder with unconditional waiver and releases in the form set forth in Civil Code Section 3262; provided, however, that Maker may obtain disbursement of the Agency Architectural/Engineering Assistance prior to such time that Maker has obtained all of the Approved Plans and Permits, as set forth in Section 3.6(K). If the requested disbursement is permitted under the terms of this Note, Holder's Executive Director shall promptly, but in no event later than fifteen (15) business days after Holder's receipt of all of the items listed in clauses (a)-(c) of this Section 3.3, effect payment directly to Maker by check. 3.4 A portion of the Agency Loan in the amount of One Million Eight Hundred Thousand Dollars ($1,800,000) ("Agency Sitework Assistance") shall be disbursed to Maker to reimburse Maker for permit fees Maker is required to pay to construct the Project and for costs Maker incurs in grading the Site and installing the wet and dry utility infrastructure necessary for the Project. Once all conditions precedent to disbursement of the Agency Loan set forth in Section 3.6 below have been satisfied, Maker may obtain disbursement of the Agency Sitework Assistance or portion thereof by (a) notifying Holder's Executive Director in writing of the amount required; (b) providing Holder with supporting documentation showing the sitework work performed and the actual cost thereof, and (c) providing Holder with unconditional waiver and releases in the form set forth in Civil Code Section 3262. If the requested disbursement is permitted under the terms of this Note, Holder's Executive Director shall promptly, but in no event later than fifteen (15) business days after Holder's receipt of all of the items listed in clauses (a)-(c) of this Section 3.4, effect payment directly to Maker by check. 3.5 A portion of the Agency Loan in the amount of Four Hundred Thousand Dollars ($400,000) ("Agency Completion Assistance") shall be disbursed, by check, to Maker within 882/015610-0063 2 1 Q I 325173.04 al1/19/02 fifteen (15) business days after Maker completes construction of the Project, as evidenced by Holder's issuance to Maker of a Release of Construction Covenants. 3.6 The following shall be conditions precedent to Holder's disbursement of any portions of the Agency Loan: (A) Holder shall have executed the AFA; (B) Holder shall have accepted Agency's Title Policy for the Site, in accordance with Section 3.3 of the AFA. (C) Maker shall have timely submitted to the Executive Director of Holder and obtained approval from same, of Maker's evidence of insurance; (D) Maker shall have signed the Agency Regulatory Agreement and delivered same to Holder for recordation; (E) Maker shall have signed this Note and delivered same to Holder; (F) Maker shall have signed the Agency Deed of Trust and delivered same to Holder for recordation and filing; (G) Maker shall not be in default of its obligations under the AHA, this Note, or under the Agency Regulatory Agreement; (H) Maker shall not be in default of any of the tefms and eenditiens of the Sale Esefew instr etie ; Landag Restri ions• (I) Owner shall have executed, and Maker shall have recorded, a subordination agreement, subordinating the Landaq Restrictions to the Agency Deed of Trust and Agency Regulatory Agreement; (J) Maker shall have obtained all of the necessary land use entitlements to construct the Project; and (K) Maker shall have timely obtained all of the Approved Plans and Permits, including, but not limited to, building permits to construct the Project (except that Maker may obtain disbursement of the Agency Acquisition Assistance and the Agency Architectural/Engineering Assistance prior to the time it satisfies this condition). 4. Term of Note; Repa ram. Repayment of the Loan Amount, as adjusted and redefined as the "Adjusted Loan Amount" pursuant to this Section 4, shall be through monthly installment repayment amounts. 4.1 Subject to the provisions of (a) Section 5 herein which provide for acceleration of the then outstanding principal and accrued interest and immediate payment thereof in the event of a default by Maker and (b) Sections 4.2 through 4.4 below, which provide for the cancellation of this Note in the event certain specified conditions are met: l4 882/015610-0063 3 325173.04 al 1/19/02 (A) Maker shall not be required to make any payments of principal or interest on this Note for a period of twenty-eight (28) months following the Note Date ("Grace Period"). (B) Maker agrees that interest shall accrue on any amounts of the Agency Loan that have been disbursed prior to the expiration of the Grace Period, and that as a result thereof, as of the first day of the next calendar month following expiration of the Grace Period (the "Repayment Commencement Date"), the outstanding principal and accrued interest to date due Holder on which payments are to be made shall be adjusted to reflect said accrual ("Adjusted Loan Amount"), and interest shall continue to accrue, on the Adjusted Loan Amount, at the rate of seven percent (7%) per annum, compounded annually. (C) Maker shall commence repayment of the Adjusted Loan Amount and interest thereon (at the rate specified in Paragraph 1) in sixty (60) equal monthly installments of an amount set forth in a repayment schedule to be prepared by Holder within sixty (60) days after the Holder's disbursement to Maker of the Agency Completion Assistance. 4.2 Notwithstanding the foregoing, this Note shall be deemed paid in full when Maker, through monthly payments, has repaid the Holder an amount equal to the Adjusted Loan Amount plus interest, as set forth in this Note. 4.3 Notwithstanding anything to the contrary herein, this Note shall be automatically cancelled, as evidenced by Holder's return to Maker of the original of this Note marked "cancelled," and the Deed of Trust shall be immediately reconveyed, at such time that Holder has issued a Release of Construction Covenants for the Project. 4.4 Maker shall have the right to prepay all or any portion of this Note at any time without penalty, and upon such repayment the Agency Deed of Trust shall be reconveyed. Prepayment shall not affect the Agency Regulatory Agreement or the term of the Agency Regulatory Agreement. 4.5 Any payments made by Maker in payment of this Note shall be applied in the following order: (i) first to the interest then accrued and due on the unpaid principal balance under this Note, (ii) second to reduction of the principal balance of this Note. 5. Default; Acceleration; Cross -Default. In the event: 5.1 Maker fails to timely make a payment required by this Note within ten (10) days following the due date of any payment due hereunder; or 5.1 Maker fails to timely make any other payment due hereunder within ten (101 days after notice thereof from Holder; or 5.2 Maker is in material default of any of the covenants, terms, or provisions of this Note, any of the Agency Agreements, or any of the T�f eenditiens of the Sale Esere- rrtts Landau. Restrictions and Maker fails to timely cure such default under the terms of the applicable agreement, it being understood and agreed by Maker that a default of this Note, or of any of the Agency Agreements or of the Sale Eser-ow histf etio s Landaa Restrictions shall be a default of all of the foregoing listed documents; 882/015610-0063 19 325173.04 al1/19/02 4 then Maker shall be in default of this Note, and all portions of the Loan Amount that have been disbursed to Maker and all accrued interest thereon shall become immediately due and payable. The rate of interest applicable to periods of default for the defaults set forth in this Section 5 shall be calculated at the lesser of ten percent (10%) per annum or the maximum legal rate, and shall accrue as of the date such payment was originally due. 6. Collection Costs; Attorneys' Fees. If, because of any event of default under this Note or any of the Agency Agreements, any attorney is engaged by Holder to enforce or defend any provision of this instrument, whether or not suit is filed hereon, then Maker shall pay upon demand reasonable attorneys' fees, expert witness fees and all costs so incurred by Holder together with interest thereon until paid at the applicable rate of interest payable hereunder, as if such fees and costs had been added to the principal owing hereunder. 7. Waivers by Maker. Maker and all endorsers, guarantors and persons liable or to become liable on this Note waive presentment, protest and demand, notice of protest, demand and dishonor and nonpayment of this Note and any and all other notices or matters of a like nature, and consent to any and all renewals and extensions near the time of payment hereof and agree further that at any time and from time to time without notice, the terms of payment herein may be modified or the security described in any documents securing this Note released in whole or in part, or increased, changed or exchanged by agreement between Holder and any owner of the premises affected by said documents securing this Note, without in any way affecting the liability of any party to this Note or any persons liable or to become liable with respect to any indebtedness evidenced hereby. 7. Severability. The unenforceability or invalidity of any provision or provisions of this Note as to any persons or circumstances shall not render that provision or those provisions unenforceable or invalid as to any other provisions or circumstances, and all provisions hereof, in all other respects, shall remain valid and enforceable. 8. Modifications. Neither this Note nor any term hereof may be waived, amended, discharged, modified, changed or terminated orally; nor shall any waiver of any provision hereof be effective except by an instrument in writing signed by Maker and Holder. No delay or omission on the part of Holder in exercising any right hereunder shall operate as a waiver of such right or of any other right under this Note. 9. No Waiver by Holder. No waiver of any breach, default or failure of condition under the terms of this Note shall be implied from any failure of the Holder of this Note to take, or any delay be implied from any failure by the Holder in taking action with respect to such breach, default or failure from any prior waiver of any similar or unrelated breach, default or failure. 10. Usury. Notwithstanding any provision in this Note, the total liability for payment in the nature of interest shall not exceed the limit imposed by applicable laws of the State of California. 11. Nonassignability. Maker may only Transfer (as that term is defined in the ABA) this Note in accordance with provisions and restrictions pertaining to a transfer of the AHA as set forth in the AHA. Holder may freely Transfer Holder's interest in this Note in any manner, at 882/015610-0063 325173.04 al1/19/02 5 Holder's sole discretion; provided, that at the time of such Transfer Holder also transfers the AHA to such transferee. 12. Governing Law. This Note has been executed and delivered by Maker in the State of California and is to be governed and construed in accordance with the laws thereof. 13. Time of Essence. Time is of the essence in the performance of the obligations and provisions set forth in this Note. IN WITNESS WHEREOF, Maker has executed this Note as of the Note Date. "MAKER" APARTMENTS AT LA QUINTA VILLAGE, LP, a California limited partnership By: Apartments at La Quinta Village, LLC, a California limited liability company Its: General Partner By: Cameo Homes, a California corporation Its: Managing Member By: J.C. Gianulias Its: President 1()7 882/015610-0063 6 325173.04 al1/19/02 EXHIBIT "F" AGENCY DEED OF TRUST [SEE FOLLOWING PAGES] 882/015610-0063 R 325173.04 a11/19/02 Recording Requested By And When Recorded Return to: La Quinta Redevelopment Agency 78-495 Calle Tampico La Quinta, CA 92253 Attn: Executive Director SPACE ABOVE THIS LINE FOR RECORDER'S USE EXEMPT FROM RECORDING FEE PER GOV. CODE § 6103 DEED OF TRUST WITH ASSIGNMENT OF RENTS AND RIDER ATTACHED HERETO NOTE: RIDER ATTACHED TO THIS DEED OF TRUST CONTAINING TERMS INCLUDING SECURITY AGREEMENT AND FIXTURE FILING. This DEED OF TRUST WITH ASSIGNMENT OF RENTS AND RIDER ATTACHED HERETO ("Deed of Trust"), is made 1 , between APARTMENTS AT LA QUINTA VILLAGE, LP, a California limited partnership, herein called TRUSTOR, whose address is 1105 Quail Street, Newport Beach, CA, 92658, , a California corporation, herein called TRUSTEE, and LA QUINTA REDEVELOPMENT AGENCY, a public body, corporate and politic, herein called BENEFICIARY. WITNESSETH: That Trustor grants to Trustee in trust, with power of sale, Trustor's estate, dated on or about the date hereof, in that property in the City of La Quinta, County of Riverside, State of California, described as: Parcel 3 of Parcel Map No. 30721, recorded on October 23, 2002, in Book 203, Pages 30 through 31, of Parcel Maps, filed in the Office of the County Recorder of Riverside County, State of California. together with the rents, issues and profits thereof, subject, however, to the right, power and authority hereinafter given to and conferred upon Beneficiary to collect and apply such rents, issues and profits for the purpose of securing (1) payment of the sum of THREE MILLION DOLLARS ($3,000,000), with interest thereon according to the terms of a promissory note or notes of even date herewith made by Trustor, payable to order of Beneficiary, and extensions or renewals thereof, (2) the performance of each agreement of Trustor incorporated by reference or contained herein; and (3) payment of additional sums and interest thereon which may hereafter be loaned to Trustor, or his successors or assigns, when evidenced by a promissory note or notes reciting that they are secured by this Deed of Trust. To protect the security of this Deed of Trust, and with respect to the Property above described, Trustor expressly makes each and all of the agreements, and adopts and agrees to perform and be bound by each and all of the terms and provisions set forth in subdivision A, and it is mutually agreed that each and all of the terms and provisions set forth in subdivision B of the fictitious deed of trust recorded in Orange County August 17, 1964, and in all other counties August 18, 1964, in the book and at the page of Official Records in the office of the county recorder of the county where said property is located, noted below opposite the name of such county, namely: COUNTY BOOK PAGE COUNTY BOOK PAGE COUNTY BOOK PAGE COUNTY BOOK PAGE Alameda 1288 556 Kings 858 713 Placer 1028 379 Sierra 38 187 Alpine 3 130-31 Lake 437 110 Plumas 166 1307 Siskiyou 506 762 Amador 133 438 Lassen 192 367 Riverside 3778 347 Solano 1287 621 Butte 1330 513 Los Angeles T-3878 874 Sacramento 5039 124 Sonoma 2067 427 Calaveras 185 338 Madera 911 136 San Benito 300 405 Stanislaus 1970 56 Colusa 323 391 Marin 1849 122 San Bernardino 6213 768 Sutter 655 585 Contra Costa 4684 1 Mariposa 90 453 San Francisco A-804 596 Tehama 457 183 Del Norte 101 549 Mendocino 667 99 San Joaquin 2855 283 Trinity 108 595 El Dorado 704 635 Merced 1660 753 San Luis Obispo 1311 137 Tulare 2530 108 Fresno 5052 623 Modoc 191 93 San Mateo 4778 175 Tuolumne 177 160 Glenn 469 76 Mono 69 302 Santa Barbara 2065 881 Ventura 2607 237 Humboldt 801 83 Monterey 357 239 Santa Clara 6626 664 Yolo 769 16 882/015610-0063 325173.04 al1/19/02 COUNTY BOOK PAGE COUNTY BOOK PAGE COUNTY BOOK PAGE COUNTY BOOK PAGE Imperial 1189 701 Napa 704 742 Santa Cruz 1638 607 Yuba 398 693 Inyo 165 672 Nevada 363 94 Shasta 800 633 Kern 3756 690 Orange 7182 18 San Diego SERIES 5 Book 1964, Page 149774 shall inure to and bind the parties hereto, with respect to the property above described. Said agreements, terms and provisions contained in said subdivisions A and B (identical in all counties, and printed on pages 3 and 4 hereof) are by the within reference thereto, incorporated herein and made a part of this Deed of Trust for all purposes as fully as if set forth at length herein, and Beneficiary may charge for a statement regarding the obligation secured hereby, provided the charge therefor does not exceed the maximum allowed by law. The undersigned Trustor, requests that a copy of any notice of default and any notice of sale hereunder be mailed to him at his address hereinbefore set forth. SEE RIDER ATTACHED TO THIS DEED OF TRUST STATE OF CALIFORNIA COUNTY OF On before me, personally appeared JAMES GIANULIAS, personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose names(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signatures(s) on the instrument the person(s) or the entity upon behalf of which the person(s) acted, executed the instrument. WITNESS my hand and official seal. Signature (This area for official notarial seal) Signature of Trustor APARTMENTS AT LA QUINTA VILLAGE, LP, a California limited partnership By: Apartments at La Quinta Village, LLC, a California limited liability company Its: General Partner By: Cameo Homes, a California corporation Its: Managing Member By: J.C. Gianulias Its: President 1 882/015610-0063 325173.04 at 1/19/02 2 DO NOT RECORD The following is a copy of Subdivisions A and B of the fictitious Deed of Trust recorded in each county in California as stated in the foregoing Deed of Trust and incorporated by reference in said Deed of Trust as being apart thereof as if set forth at length therein. A. To protect the security of this Deed of Trust, Trustor agrees: 1) To keep said property in good condition and repair, not to remove or demolish any building thereon; to complete or restore promptly and in a good and workmanlike manner any building which may be constructed, damaged or destroyed thereon and to pay when due all claims for labor performed and materials furnished therefor, to comply with all laws affecting said property or requiring any alterations or improvements to be made thereon; not to commit or permit waste thereof, not to commit, suffer or permit any act upon said property in violation of law; to cultivate, irrigate, fertilize, fumigate, prune and do all other acts which from the character or use of said property may be reasonably necessary, the specific enumerations herein not excluding the general. 2) To provide, maintain and deliver to Beneficiary fire insurance satisfactory to and with loss payable to Beneficiary. The amount collected under any fire or other insurance policy may be applied by Beneficiary upon any indebtedness secured hereby and in such order as Beneficiary may determine, or at the option of Beneficiary the entire amount so collected or any part thereof may be released to Trustor. Such application or release shall not cure or waive any default or notice of default hereunder or invalidate any act done pursuant to such notice. 3) To appear in and defend any action or proceeding purporting to affect the security hereof or the rights or powers of Beneficiary or Trustee; and to pay all costs and expenses, including cost of evidence of title and attorney's fees in a reasonable sum, in any such action or proceeding in which Beneficiary or Trustee may appear, and in any suit brought by Beneficiary to foreclose this Deed. 4) To pay: at least ten (10) days before delinquency all taxes and assessments affecting said property, including assessments on appurtenant water stock; when due, all encumbrances, charges and liens, with interest, on said property or any part thereof, which appear to be prior or superior hereto; all costs, fees and expenses of this Trust. Should Trustor fail to make any payment or to do any act as herein provided, then Beneficiary of Trustee, but without obligation so to do and without notice to or demand upon Trustor and without releasing Trustor from any obligation hereof, may: make or do the same is such manner and to such extent as either may deem necessary to protect the security hereof, Beneficiary or Trustee being authorized to enter upon said property for such purposes; appear in and defend any action or proceeding purporting to affect the security hereof or the rights or powers of Beneficiary or Trustee; pay, purchase, contest or compromise any encumbrance, charge or lien which in the judgment of either appears to be prior or superior hereto; and, in exercising any such powers, pay necessary expenses, employ counsel and pay his reasonable fees. 5) To pay immediately and without demand all sums so expended by Beneficiary or Trustee, with interest from the date of expenditure at the amount allowed by law in effect at the date hereof, and to pay for any statement provided for by law in effect at the date hereof regarding the obligation secured hereby any amount demanded by the Beneficiary not to exceed the maximum allowed by law at the time when said statement is demanded. B. It is mutually agreed: 1) That any award in connection with any condemnation for public use of or injury to said property or any part thereof is hereby assigned and shall be paid to Beneficiary who may apply or release such moneys received by him in the same manner and with the same effect as above provided for disposition of proceeds of fire or other insurance. 2) That by accepting payment of any sum secured hereby after its due date, Beneficiary does not waive his right either to require prompt payment when due of all other sums so secured or to declare default for failure so to pay. 3) That at any time or from time to time, without liability therefor and without notice, upon written request of Beneficiary and presentation of this Deed and said note for endorsement, and without affecting the personal liability of any person for payment of the indebtedness secured hereby, Trustee may: reconvey any part of said property; consent to the making of any map or plat thereof, join in granting any easement thereon, or join in any extension agreement or any agreement subordinating the lien or charge hereof. 4) That upon written request of Beneficiary stating that all sums secured hereby have been paid, and upon surrender of this Deed and said note to Trustee for cancellation and retention or other disposition as Trustee in its sole discretion may choose and upon payment of its fees, Trustee shall reconvey, without warranty, the property then held hereunder. The recitals in such reconveyance of any matters or facts shall be conclusive proof of the truthfulness thereof. The Grantee in such reconveyance may be described as "the person or persons legally entitled thereto." 5) That as additional security, Trustor hereby gives to and confers upon Beneficiary the right, power and authority, during the continuance of these Trusts, to collect the rents, issues and profits of said property, reserving unto Trustor the right, prior to any default by Trustor in payment of any indebtedness secured hereby or in the performance of any agreement hereunder, to collect and retain such rents, issues and profits as they become due and payable. Upon any such default (beyond any applicable cure period,and during the continuance �, Beneficiary may at any time without notice, either in person, by agent, or be a receiver to be appointed by a court, and without regard to the adequacy of any security for the indebtedness hereby secured, enter upon and take possession of said property or any part thereof, in his own 882/015610-0063 S 325173.04 at1/19/02 name sue for or otherwise collect such rents, issues, and profits, including those past due and unpaid, and apply the same, less costs and expenses of operation and collection, including reasonable attorney's fees, upon any indebtedness secured hereby, and in such order as Beneficiary may determine. The entering upon and taking possession of said property, the collecting of such rents, issues and profits and the application thereof as aforesaid, shall not cure or waive any default or notice of default hereunder or invalidate any act done pursuant to such notice. 6) That upon default by Trustor in payment of any indebtedness secured hereby or in the performance of any agreement hereunder, Beneficiary may declare all sums secured hereby immediately due and payable by delivery to Trustee of written declaration of default and demand for sale and of written notice of default and of election to cause to be sold said property, which notice Trustee shall cause to be filed for record. Beneficiary also shall deposit with Trustee this Deed, said note and all documents evidencing expenditures secured hereby. After the lapse of such time as may then be required by law following the recordation of said notice of default, and notice of sale having been given as then required by law, Trustee, without demand on Truster, shall sell said property at the time and place fixed by it in said notice of sale, either as a whole or in separate parcels, and in such order as it may determine, at public auction to the highest bidder for cash in lawful money of the United States, payable at time of sale. Trustee may postpone sale of all or any portion of said property by public announcement at such time and place of sale, and from time to time thereafter may postpone such sale by public announcement at the time fixed by the preceding postponement. Trustee shall deliver to such purchaser its deed conveying the property so sold, but without any covenant or warranty, express or implied. The recitals in such deed of any matters or facts shall be conclusive proof of the truthfulness thereof. Any person, including Trustor, Trustee, or Beneficiary as hereinafter defined, may purchase at such sale. After deducting all costs, fees and expenses of Trustee and of this Trust, including cost of evidence of title in connection with sale, Trustee shall apply the proceeds of sale to payment of: all sums expended under the terms hereof, not then repaid, with accrued interest at the amount allowed by law in effect at the date hereof; all other sums then secured hereby; and the remainder, if any, to the person or persons legally entitled thereto. 7) Beneficiary, or any successor in ownership of any indebtedness secured hereby, may from time to time, by instrument in writing, substitute a successor or successors to any Trustee named herein or acting hereunder, which instrument, executed by the Beneficiary and duly acknowledged and recorded in the office of the recorder of the county or counties where said property is situated shall be conclusive proof of proper substitution of such successor Trustee or Trustees, who shall, without conveyance from the Trustee predecessor, succeed to all its title, estate, rights, powers and duties. Said instrument must contain the name of the original Truster, Trustee and Beneficiary hereunder, the book and page where this Deed is recorded and the name and address of the new Trustee. 8) That this Deed applies to, inures to the benefit of, and binds all parties hereto, their heirs, legatees, devisees, administrators, executors, successors and assigns. The term Beneficiary shall mean the owner and holder, including pledgees, of the note secured hereby, whether or not named as Beneficiary herein. In this Deed, whenever the context so requires, the masculine gender includes the feminine and/or neuter, and the singular number includes the plural. 9) That Trustee accepts this Trust when this Deed, duly executed and acknowledged, is made a public record as provided by law. Trustee is not obligated to notify any party hereto of pending sale under any other Deed of Trust or of any action or proceeding in which Trustor, Beneficiary or Trustee shall be a party unless brought by Trustee. DO NOT RECORD REQUEST FOR FULL RECONVEYANCE TO , TRUSTEE: The undersigned is the legal owner and holder of the note or notes and of all indebtedness secured by the foregoing Deed of Trust. Said note or notes, together with all other indebtedness secured by said Deed of Trust, have been fully paid and satisfied; and you are hereby requested and directed, on payment to you of any sums owing to you under the terms of said Deed of Trust, to cancel said note or notes above mentioned, an all other evidences of indebtedness secured by said Deed of Trust delivered to you herewith, together with the said Deed of Trust, and to reconvey, without warranty, to the parties designated by the terms of said Deed of Trust, all the estate now held by you under the same. Dated Please mail Deed of Trust, Note and Reconveyance to Do Not lose or destroy this Deed of Trust OR THE NOTE which it secures. Both must be delivered to the Trustee for cancellation before reconveyance will be made. r1 882/015610-0063 325173.04 a11/19/02 2 RIDER TO SUBORDINATED DEED OF TRUST WITH ASSIGNMENT OF RENTS THIS RIDER TO DEED OF TRUST WITH ASSIGNMENT OF RENTS ("Rider") is executed this day of I , by APARTMENTS AT LA QUINTA VILLAGE, LP, a California limited partnership, herein "Trustor," in favor of the LA QUINTA REDEVELOPMENT AGENCY, a public body, corporate and politic, herein "Beneficiary," the same parties to that certain form Deed of Trust With Assignment of Rents, of even date hereto, to which this Rider is attached. This Rider is made a part of and is incorporated into said Deed of Trust. This Rider shall supersede any conflicting term or provision of the form Deed of Trust to which it is attached. Reference is made to (i) that certain Note by and between Trustor and Beneficiary, dated on or about the date set forth above, the repayment of which by Trustor is secured by this Deed of Trust ("Agency Note"), and (ii) to the Agency Agreements which are described in the Agency Note. The parties hereto agree: 1. Propert . The estate subject to this Deed of Trust is Trustor's fee estate in the real property legally described in the foregoing Deed of Trust to which this Rider is attached (the "Property"). 2. Obligations Secured. Trustor makes this grant and assignment for the purpose of securing the following obligations ("Secured Obligations"): a. Payment to Beneficiary of all indebtedness at any time owing under the terms of the Note; b. Payment and performance of all obligations of Trustor under this Deed of Trust; C. Payment and performance of all obligations of Trustor under the Agency Agreements. d. Payment and performance of all future advances and other obligations of Trustor or any other person, firm, or entity with the approval of Trustor, may agree to pay and/or perform (whether as principal, surety or guarantor) for the benefit of Beneficiary, when the obligation is evidenced by a writing which recites that it is secured by this Deed of Trust; and e. All modifications, extensions and renewals of any of the obligations secured hereby, however evidenced. 3. Obligations. The term "obligations" is used herein in its broadest and most comprehensive sense and shall be deemed to include, without limitation, all interest and charges, prepayment charges, late charges and fees at any time accruing or assessed on any of the Secured Obligations. 882/015610-0063 325173.04 al1/19/02 4. Subordination. Beneficiary agrees to subordinate this Deed of Trust to Trustor's construction loan, provided that (i) the maximum cumulative principal amount of the construction loan shall not exceed ninety percent (90%) of the lender's appraised value of the Property upon completion of the affordable housing project described in the Agency Agreements ("Project"), which amount shall be verified in writing to Beneficiary's Executive Director's reasonable satisfaction; (ii) the loan(s) shall obligate Trustor to expend loan proceeds for no other purpose than the Project; and (iii) the loan(s) shall provide that any notice of Trustor breach or default shall also be sent to the Beneficiary at the address listed in Section 10 and that upon receipt of such notice, Beneficiary shall have the right to (A) cure the noticed breach or default, (B) negotiate with the lender regarding the noticed breach or default, and (C) purchase the Property from Trustor subject to the construction lender's deed of trust, without the consent of Trustor or the holder of the construction lender's deed of trust, and that Beneficiary's exercise of the foregoing rights shall not, in and of itself, give rise to any right on the part of the lender to accelerate the amounts due under the loan. Beneficiary agrees that the lender may, during the period of default, proceed with its rights and remedies against Trustor as a result of such default subject only to the cure rights provided above. Beneficiary's Executive Director ii hereby authorized to make technical modifications to the requirements set forth above for any subordination executed pursuant to this Section to accommodate the reasonable requests of a lender. In agreeing to provide the subordination referred to in the preceding sentence, Beneficiary hereby incorporates the finding required to be made in accordance with Health and Safety Code Section 33334.14. 5. Incorporation. All terms of the Agency Note, Agency Agreements, and the Secured Obligations are incorporated herein by this reference. All persons who may have or acquire an interest in the Property shall be deemed to have notice of the terms of all of the foregoing documents. 6. Mortgagee -in -Possession. Neither the assignment of rents set forth in the Deed of Trust nor the exercise by Beneficiary of any of its rights or remedies hereunder shall be deemed to make Beneficiary a "mortgagee -in -possession" or otherwise liable in any manner with respect to the Property, unless Beneficiary, in person or by agent, assumes actual possession thereof. Nor shall appointment of a receiver for the Property by any court at the request of Beneficiary or by agreement with Trustor, or the entering into possession of the Property by such receiver, be deemed to make Beneficiary a "mortgagee -in -possession" or otherwise liable in any manner with respect to the Property. 7. No Cure. In the event Beneficiary collects and receives any rents under the Deed of Trust upon any default hereof, such collection or receipt shall in no way constitute a curing of the default, except if and to the extent the same are sufficient to cure all monetary defaults and no other defaults then exist. 8. Possession Upon Default. Upon the occurrence of and during the continuation of a default, Beneficiary, after having given notice and the applicable cure periods having expired with the default having not been cured (hereinafter, a "default"), may, at its option, without any action on its part being required and without in any way waiving such default, take possession of the Property in accordance with applicable law and have, hold, manage, lease and operate the same, on such terms and for such period of time as Beneficiary may deem proper, and may 2r4 882/015610-0063 2 325173.04 al1/19/02 collect and receive all rents and profits, with full power to make, from time to time, all commercially reasonable alterations, renovations, repairs or replacements thereto as may seem proper to Beneficiary, and to apply such rents and profits to the payment of (a) the cost of all such alterations, renovations, repairs and replacements, and all costs and expenses incident to taking and retaining possession of the Property, and the management and operation thereof, and keeping the same properly insured; (b) all taxes, charges, claims, assessments, and any other liens which may be prior in lien or payment of the Note, and premiums for insurance, with interest on all such items; and (c) the indebtedness secured hereby, together with all costs and attorney's fees, in such order or priority as to any of such items as Beneficiary in its sole discretion may determine, any statute, law, custom or use to the contrary notwithstanding. Any amounts received by Beneficiary or its agents in the performance of any acts prohibited by the terms of this assignment, including, but not limited to, any amounts received in connection with any cancellation, modification or amendment of any lease prohibited by the terms of this assignment and any rents and profits received by Trustor after the occurrence of a default shall be held by Trustor as trustee for Beneficiary and all such amounts shall be accounted for to Beneficiary and shall not be commingled with other funds of the Trustor. Any person receiving any portion of such trust funds shall receive the same in trust for Beneficiary as if such person had actual or constructive notice that such funds were impressed with a trust in accordance therewith. 9. Receiver. In addition to any and all other remedies of Beneficiary set forth under this Deed of Trust or permitted at law or in equity, if a default shall have occurred and not have been cured within any applicable cure period, Beneficiary, to the extent permitted by law and without regard to the value, adequacy or occupancy of the security for the Note and other sums secured hereby, shall be entitled as a matter of right if it so elects to the appointment of a receiver to enter upon and take possession of the Property and to collect all rents and profits and apply the same as the court may direct, and such receiver may be appointed by any court of competent jurisdiction by ex parte application and without notice, notice of hearing being hereby expressly waived. The expenses, including receiver's fees, attorneys' fees, costs and agent's compensation, incurred pursuant to the power herein contained shall be secured by this Deed of Trust. 10. Notice to Beneficiary. Notices to Beneficiary shall be sent to Beneficiary addressed to: La Quinta Redevelopment Agency 78-495 Calle Tampico La Quinta, CA 92263 Attn: Executive Director [SIGNATURE ON NEXT PAGE] IN WITNESS WHEREOF, Trustor has executed this Rider on the date of Trustor's acknowledgment hereinbelow, to be effective for all purposes as of the day and year first set forth above. TRUSTOR: r);-ir 882/015610-0063 325173.04 all/19/02 APARTMENTS AT LA QUINTA VILLAGE, LP, a California limited partnership By: Apartments at La Quinta Village, LLC, a California limited liability company Its: General Partner By: Cameo Homes, a California corporation Its: Managing Member By: J.C. Gianulias Its: President 882/015610-0063 4 ? i 1 325173.04 all/19/02 STATE OF CALIFORNIA ) ss. COUNTY OF ) On before me, , personally appeared , personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument the person(s) or the entity upon behalf of which the person(s) acted, executed the instrument. Witness my hand and official seal. Notary Public [SEAL] 882/015610-0063 %) 325173.04 al1/19/02 EXHIBIT "G" AGENCY REGULATORY AGREEMENT [SEE FOLLOWING PAGES] RECORDING REQUESTED BY AND WHEN RECORDED MAIL TO: La Quinta Redevelopment Agency 78-495 Calle Tampico La Quinta, CA 92253 Attn: Executive Director (Space Above This Line for Recorder's Office Use Only) (Exempt from Recording Fee per Gov. Code 6103) REGULATORY AGREEMENT AND DECLARATION OF COVENANTS AND RESTRICTIONS THIS REGULATORY AGREEMENT AND DECLARATION OF COVENANTS AND RESTRICTIONS ("Agreement") is made and entered into this day of , ("Effective Date"), by and between LA QUINTA REDEVELOPMENT AGENCY, a public body, corporate and politic ("Agency") and APARTMENTS AT LA QUINTA VILLAGE, LP, a California limited partnership ("Participant"). RECITALS: A. Participant is the owner of fee title to that certain real property more particularly described in Attachment No. 1, attached hereto and incorporated by reference herein (the "Site"). B. Pursuant to an Affordable Housing Agreement, by and between Participant and Agency, dated (the "AHA"), Agency has agreed to provide financial assistance to Participant in the sum of Three Million Dollars ($3,000,000) (the "Agency Loan") for the purpose of (i) reimbursing Participant for a portion of Participant's purchase price for the Site and (ii) Participant's subsequent construction thereon of a rental apartment complex (the "Project"). The AHA requires Participant to enter into this Agreement, which provides, among other requirements, that the rental and occupancy of not fewer than seventy-five (75) of the apartment units within the Project be rented to and occupied by persons and families whose household income does not exceed 120% of the median income for Riverside County, in effect from time to time. C. Reference is also made to the following documents, of even date herewith: (i) Note, by Participant as Maker and borrower in favor of the Agency as lender, ("Agency Note"). The Agency Note evidences the Agency Loan. 882/015610-0063 325173.04 a11/19/02 (ii) Deed of Trust with Assignment of Rents, by and between Participant as borrower and Agency as beneficiary, and recorded in the Office of the Riverside County Recorder ("Agency Deed of Trust"). The Agency Deed of Trust partially secures repayment of the Agency Note. The AHA and both of the foregoing listed documents are referred to herein collectively as the "Agency Agreements." The Agency Agreements are incorporated herein as if fully set forth. D. Pursuant to the AHA and the Agency Agreements, Participant has agreed to rehabilitate the Site and develop thereon, and thereafter maintain, a rental housing project with not fewer than seventy-five (75) units restricted to rental and occupancy to persons and families whose household income does not exceed 120% of the median income for Riverside County. E. Agency and Participant now desire to place restrictions upon the use and operation of the Site, in order to ensure that the Site shall be operated continuously, for a period of fifty-five (55) years, as a rental apartment complex in accordance with the terms hereof. AGREEMENT: NOW, THEREFORE, the Participant and Agency declare, covenant and agree, by and for themselves, their heirs, executors, administrators, successors and assigns, and all persons claiming under or through them, that, for a term equal to fifty-five (55) years commencing upon the date of the recordation of the Release of Construction Covenants for the Site in accordance with the AHA, as follows: 1.0 DEFINITIONS. 1.1 Riverside County Median Income. For purposes of this Agreement, the "Riverside County Median Income" as of any date shall be determined by reference to the regulations published by the California Department of Housing and Community Development pursuant to Health and Safety Code Section 50093, or its successor, as of such date. 1.2 Unit. As used in this Agreement, the term "Unit" or "unit" shall mean a rental apartment dwelling unit on the Site. 1.3 Restricted Unit. As used in this Agreement, the term "Restricted Unit" shall mean not fewer than seventy-five (75) Units to be rented to and occupied by Eligible Tenants. 1.4 Eligible Tenant. As used in this Agreement, the term "Eligible Tenant" shall refer to a Moderate Income Tenant. 1.5 Moderate Income. As used in this Agreement, the term "Moderate Income" shall mean household income, adjusted for family size, which does not exceed one hundred twenty percent (120%) of the Riverside County Median Income. 1.6 Moderate Income Tenant. As used in this Agreement, the term "Moderate Income Tenant" shall mean a tenant whose household income does not exceed Moderate Income 882/015610-0063 f ,9 325173.04 al1/19/02 3 and who is otherwise eligible to rent, and does rent, a Restricted Unit and thus is an Eligible Tenant for a Restricted Unit. 1.7 Affordable Rent. As used in this Agreement, the term "Affordable Rent" shall mean an annual rent amount that does not exceed the maximum percentage of income that can be devoted to rent by a Moderate Income Tenant as set by California law. 1.8 Unrestricted Unit. As used in this Agreement, the term "Unrestricted Unit" shall mean a Unit that is not a Restricted Unit, i.e., a Unit that is not subject to the affordability covenants that apply to the Restricted Units. 2.0 RESIDENTIAL RENTAL PROPERTY. 2.1 Construction of the Project on the Site. Participant shall construct the Project on the Site in accordance with the Agency Agreements, including the Schedule of Performance set forth in the AHA, for the purpose of providing the Restricted Units described herein and in the Agency Agreements. The Project shall be owned, managed, and operated as a rental apartment project, with not fewer than seventy-five (75) Units rented and occupied as Restricted Units as provided in this Agreement. 2.2 Facilities. All of the dwelling units in the Project shall contain facilities for living, sleeping, eating, cooking and sanitation in accordance with the this Agreement, the AHA, the Agency Agreements, and all of the permits and approvals for the Project. 2.3 Residential Use. Without the Agency's prior written consent, which consent may be given or withheld in its sole and absolute discretion, none of the dwelling units in the Project will at any time be utilized on a transient basis or will ever be used as a hotel, motel, dormitory, fraternity house, sorority house, rooming house, nursing home, hospital, sanitarium, or trailer court or park, nor shall the Units be used for day care facilities or as a place of business except as may otherwise be allowed by applicable law. 2.4 Conversion of Units. No part of the Project will at any time be owned by a cooperative housing corporation, nor shall the Participant take any steps in connection with the conversion to such ownership or uses to condominiums, or to any other form of ownership, without the prior written approval of Agency which approval may be given or withheld in its sole and absolute discretion. 2.5 Preference to Eligible Tenants. All of the dwelling units will be available for rental in accordance with the terms of this Agreement, and the Participant shall not give preference to any particular class or group in renting the dwelling units in the Project, except to the extent that the Restricted Units are required to be leased or rented to Eligible Tenants and except as provided in Section 3.5 below. 2.6 Resident Manager and Staff Units. A resident manager or staff unit or units may be counted as a Restricted Unit only if the tenants of such Unit(s) are Eligible Tenants. 882/015610-0063 4 325173.04 a11/19/02 2.7 Liability of Participant. Participant and any manager it employs shall not incur any liability under this Agreement as a result of fraud or intentional misrepresentation by a tenant. 3.0 OCCUPANCY OF RESTRICTED UNITS BY ELIGIBLE TENANTS. Participant hereby represents, warrants, and covenants as follows: 3.1 Occupancy Levels. Except as expressly provided herein, throughout the term of this Agreement, the Restricted Units shall be continuously occupied or held vacant and available for occupancy by Eligible Tenants. 3.2 Rental Rates. Participant hereby agrees to and shall rent Restricted Units occupied by Eligible Tenants at no greater than Affordable Rent. 3.3 Occupancy By Eligible Tenant. A Restricted Unit occupied by an Eligible Tenant who qualified as a Moderate Income Tenant at the commencement of the occupancy shall be treated as occupied by an Eligible Tenant at such income level until a recertification of such Eligible Tenant's income in accordance with Section 3.7 below demonstrates that such tenant no longer qualifies as an Eligible Tenant at that income level. A Restricted Unit previously occupied by an Eligible Tenant and then vacated shall be considered occupied by an Eligible Tenant until the Restricted Unit is reoccupied, provided Participant netiffes Age rt of suehvaea-ney „within five (5) business days _the -e fter-, u:.0 uses its commercially reasonable efforts to re -lease the vacant Restricted Unit to an Eligible Tenant. Any vacated Restricted Unit shall be held vacant until re -leased to an Eligible Tenant, unless there are sufficient numbers of Eligible Tenants then leasing and occupying Units. 3.4 Income Computation rye and Certification. Immediately prior to an Eligible Tenant's occupancy of a Restricted Unit, Participant shall obtain and Maintain on file an Income Computation and Certification fefm (whieh fafm shall be appr-eved in .,dvaneo- the n eney Exee tive Director-) Form in the form attached hereto and incorporated herein as Attachment No. 2 from each such Eligible Tenant dated immediately prior to the date of initial occupancy in the Project by such Eligible Tenant. In addition, Participant shall provide such further information as may be required in the future by the Agency for purposes of verifying a tenant's status as an Eligible Tenant. Participant shall use its best efforts to verify that the income provided by an applicant is accurate by taking the following steps as a part of the verification process: (i) obtain three (3) pay stubs for the most recent pay periods; (ii) obtain a written verification of income and employment from applicant's current employer; (iii) obtain an income verification form from the Social Security Administration and/or California Department of Social Services if the applicant receives assistance from either agency; (iv) if an applicant is unemployed or did not file a tax return for the previous calendar year, obtain other verification of such applicant's income as is satisfactory to the Agency; and (v) obtain such other information as may be requested by the Agency. A eepy e Participant shall maintain in its records each such Income Computation and Certification shall be filed —with the Ageney pnof t Ih- eeetipaney of a v tr-icted Unit by an Eligibie Tenant=a:henever-pesrible, but in ne event '~, than thii4. (30) a., ^fto initial eeeupaney b said ten uiForm obtained pursuant to this i�. section for a minimum of five (51 years. 211 882/015610-0063 5 325173.04 al1/19/02 3.5 Rental Priority. During the term of this Agreement, Participant shall use its reasonable commercial efforts to lease Restricted Units to credit -worthy Eligible Tenants in the following order of priority: (i) displaced persons entitled to a preference pursuant to California Health and Safety Code Section 33411.3 or successor statute; and (ii) other persons meeting the eligibility requirements of this Agreement. Participant shall, and Agency may, maintain a list (the "Housing List") of persons who have notified Participant and/or Agency of their desire to rent a Restricted Unit in the Project and who have incomes which would qualify them as an Eligible Tenant, and Participant shall offer to rent units on the above -referenced priority basis} provided however, that Participant shall not be required to prequalify persons on the Housing List. Should multiple tenants be equally eligible (as to income, credit history, and other nondiscriminatory criteria) and qualified to rent a unit, Participant shall rent available Restricted Units to Eligible Tenants on a first -come, first -served basis. 3.6 Recertification. Immediately prior to the first anniversary date of the occupancy of a Restricted Unit by an Eligible Tenant, and on each anniversary date thereafter, Participant shall recertify the income of such Eligible Tenant by obtaining a completed Income COMptitatiOn and Gertifie tie Recertification Form, in the form attached hereto and incorporated herein as Attachment No. 3, based upon the current income of each occupant of the Restricted Unit. If, upon recertification, the occupants do not qualify as an Eligible Tenant (or the occupants fail to provide a completed Income Computation and Gei4i ieation Recertification Form to Participant) such occupants may be allowed to remain but their Unit shall be redesignated as an Unrestricted Unit. In that event, Participant shall 0) redesignate the next vacant Unrestricted Unit as a Restricted Unit Y • (ii) J of O ^J, " r- tin that it is redesignating stieh vacant T T * ' * a Unit as a n * ' a Unit, it, and 44) thereafter rent such redesignated unit to an Eligible Tenant; provided, however, that Participant shall not be required to redesignate the next vacant Unrestricted Unit as a Restricted Unit if, prior to the time an Unrestricted Unit becomes vacant, Participant identifies an occupant of an Unrestricted Unit as qualifying as an Eligible Tenant, completes an Income Computation rertifieate Recertification Form and any other required documentation to confirm that such occupant(s) is an Eligible Tenant, redesignates that unit as a Restricted Unit, and notifies the Agency in writing of such redesignation. Paftieipant shall pr-evide the Ageney with a eepy of eaeh such r-eeeftifieatien with the flext s bmissien of Geftifieate f Continuing Gemplianee pursuant to Se et; Each lease agreement with an Eligible Tenant shall reference this Section and inform such Eligible Tenant of the recertification requirements herein and the ramifications for failing to comply therewith. 3.7 r'�eate Certification of Continuing Program Compliance. Upon the issuance of the Release of Construction Covenants, and by September 1 following the end of the immediately preceding fiscal year ending on June 1, Participant shall annually advise the Agency of the occupancy of the Project by delivering a Ceftifieate Certification of Continuing Program Compliance in the form required b ^ (or eemplying with this se,etio ;f n feffli is preuided) attached hereto and incorporated herein as Attachment No. 4, stating (i) the dwelling units of the Project which were Restricted Units during such period (including an explanation for any of the Units which were redesignated during such period) and (ii) that to the knowledge of Participant either (a) no unremedied default has occurred under this Agreement, or (b) a default has occurred, in which evert the Gertifieate Certification shall describe the nature of the default and set forth the measures being taken by the Participant to remedy such default. Participant shall pay to Agency an annual fee pursuant to Health and 4— _ 882/015610-0063 325173.04 a11/19/02 Safety Code Section 33418(c) which shall not exceed FIVE HUNDRED DOLLARS ($500) as such amount shall be permitted to increase by the Consumer Price Index ("CPI") published by the United States Department of Labor, Bureau of Labor Statistics, for Urban Wage Earners and Clerical Workers, Los Angeles -Long Beach -Anaheim Average, All Items (1984=100), from and after the date of this Agreement, or, if the CPI is discontinued, such official index as may then be in existence and which is most nearly equivalent to the CPI. 3.8 Maintenance of Records. Participant shall maintain complete and accurate records pertaining to the Units, and shall permit any duly authorized representative of the Agency to inspect the books and records of Participant pertaining to the Project including, but not limited to, those records pertaining to the occupancy of the Restricted Units. 3.9 Reliance on Tenant Representations. Each tenant lease shall contain a provision to the effect that Participant has relied on the income certification and supporting information supplied by the tenant in determining qualification for occupancy of the unit, and that any material misstatement in such certification (whether or not intentional) will be cause for immediate termination of such lease. 3.10 Remedy For Excessive Rent Charge. 3.10.1 It shall constitute a default for Participant to charge or accept for a Restricted Unit rent amounts in excess of the amount provided for in Section 3.2 of this Agreement. In the event that Participant charges or receives such higher rental amounts, in addition to any other remedy Agency shall have for such default, Participant shall be required to pay to Agency an amount equal to two (2) times the entire amount of rent received in excess of the amount permitted pursuant to this Agreement. 3.10.2 It shall constitute a default for Participant to knowingly (or without investigation as required herein) rent any Restricted Unit to a tenant who is not an Eligible Tenant. In the event Participant r-ents a v t + a Unit •t t an ineligible Ve::µ::t violates this ti n, in addition to any other equitable remedy Agency shall have for such default, Participant, for each separate violation, shall be required to pay to Agency an amount equal to (i) two times the greater of (A) the total rent Participant received from such ineligible tenant, or (B) the total rent Participant was entitled to receive for renting that Restricted Unit, plus (ii) any relocation expenses incurred by Agency or the City of La Quinta as a result of Participant having rented to such ineligible person: provided, however, that in such event Participant may permit the ineligible tenant to remain in the Restricted Unit if Participant redesignates an Unrestricted Unit as a Restricted Unit in accordance with the process described in Section 3.6 hereof. 3.10.3 It shall constitute a default for Participant to knowingly (or without investigation as required herein) rent any of the Restricted Units in violation of the leasing preference requirements of Sections 3.5 of this Agreement. In the event Participant reams -a unit violationin fthe leasing prof r-e-, re^--oment-s violates this Section, in addition to any other equitable remedy Agency shall have for such default, Participant, for each separate violation, shall be required to pay Agency an amount equal to two (2) months of rental charges. The terms 882/015610-0063 7 211 325173.04 al1/19/02 of this Section shall not apply if Participant rents to an ineligible person as a result of such person's fraud or misrepresentation. THE PARTIES HERETO AGREE THAT THE AMOUNTS SET FORTH IN SECTION 3.10 (THE "DAMAGE AMOUNTS") CONSTITUTE A REASONABLE APPROXIMATION OF THE ACTUAL DAMAGES THAT AGENCY WOULD SUFFER DUE TO THE DEFAULTS BY PARTICIPANT SET FORTH IN SECTIONS 3.10.1 THROUGH 3.10.3, CONSIDERING ALL OF THE CIRCUMSTANCES EXISTING ON THE EFFECTIVE DATE OF THIS AGREEMENT, INCLUDING THE RELATIONSHIP OF THE DAMAGE AMOUNTS TO THE RANGE OF HARM TO AGENCY AND ACCOMPLISHMENT OF AGENCY'S PURPOSE OF ASSISTING IN THE PROVISION OF AFFORDABLE HOUSING TO ELIGIBLE TENANTS THAT REASONABLY COULD BE ANTICIPATED AND THE ANTICIPATION THAT PROOF OF ACTUAL DAMAGES WOULD BE COSTLY OR INCONVENIENT. THE AMOUNTS SET FORTH IN THIS SECTION 3.10 SHALL BE THE SOLE MONETARY DAMAGES REMEDY FOR THE DEFAULTS SET FORTH IN THIS SECTION 3.10, BUT NOTHING IN THIS SECTION 3.10 SHALL BE INTERPRETED TO LIMIT AGENCY'S REMEDY FOR SUCH DEFAULT TO SUCH A DAMAGES REMEDY AND IN THAT REGARD AGENCY MAY DECLARE A DEFAULT UNDER THE TERMS OF THE NOTE OR OTHER OF THE AGENCY AGREEMENTS. IN PLACING ITS INITIAL AT THE PLACES PROVIDED HEREINBELOW, EACH PARTY SPECIFICALLY CONFIRMS THE ACCURACY OF THE STATEMENTS MADE ABOVE AND THE FACT THAT EACH PARTY HAS BEEN REPRESENTED BY COUNSEL WHO HAS EXPLAINED THE CONSEQUENCES OF THE LIQUIDATED DAMAGES PROVISION AT OR PRIOR TO THE TIME EACH EXECUTED THIS AGREEMENT. PARTICIPANT'S INITIALS: AGENCY'S INITIALS: 4.0 MAINTENANCE. 4.1 Maintenance Obligation. Participant agrees to and shall maintain all interior and exterior improvements, including landscaping, on the Site in good condition and repair (and, as to landscaping, in a healthy condition) and in accordance with all of the permits and approvals for the Project, and all other applicable laws, rules, ordinances, orders, and regulations of all federal, state, county, municipal, and other governmental agencies and bodies having or claiming jurisdiction and all their respective departments, bureaus, and officials. Agency places prime importance on quality maintenance to protect its investment and to ensure that all Agency - assisted affordable housing projects within the City are not allowed to deteriorate due to below - average maintenance. Normal wear and tear of the Site improvements will be acceptable to Agency assuming Participant agrees to perform all necessary Site improvements to assure the Site is maintained in good condition. Maintenance requirements shall include that: (a) no improperly maintained landscaping shall be visible from public rights -of -way, including (i) no 882/015610-0063 g' 325173.04 al1/19/02 lawns with grasses in excess of six (6) inches in height, (ii) no trees, shrubbery, lawns, and other plant life dying from lack of water or other necessary maintenance, (iii) no trees, hedges, or shrubbery grown uncontrolled without proper pruning, (iv) no vegetation so overgrown as to be likely to harbor rats or vermin, and (v) no dead, decayed, or diseased trees, weeds, and/or other vegetation; (b) no yard areas shall be left unmaintained, including (i) no broken or discarded furniture, appliances, or other household equipment stored in yard areas for periods exceeding one (1) week, (ii) no packing boxes, lumber, trash, dirt, or other debris stored in yards for periods exceeding one (1) week in areas visible from public property or neighboring properties, (iii) no unscreened trash cans, bins, or containers stored for unreasonable periods in areas visible from public property or neighboring properties, and (iv) no vehicles parked or stored in areas other than approved parking areas; (c) no buildings may be left in an unmaintained condition, including (i) no violations of state law, Uniform Codes, or City ordinances, (ii) no condition that constitutes an unsightly appearance that detracts from the aesthetics or property value of the subject property or constitutes a private or public nuisance, (iii) no broken windows or chipped, cracked, or peeling paint, (iv) no conditions constituting hazards and/or inviting trespassers or malicious mischief, and (v) no graffiti or accumulation of waste or debris. Participant shall make all repairs and replacements necessary to keep the improvements in good condition and repair and shall promptly eliminate all graffiti and replace dead and diseased plants and landscaping with comparable approved materials. In the event that Participant breaches any of the covenants contained in this Section and Participant does not commence to cure such breach within five (5) days after written notice from Agency (with respect to graffiti, debris, waste material, landscaping, and general maintenance) or thirty (30) days after written notice from Agency (with respect to building improvements), and after commencing the cure to diligently prosecute such cure to completion, then Agency, in addition to whatever other remedy it may have at law or in equity, shall have the right, but not the obligation, to enter upon the Site and perform all acts and work necessary to protect, maintain, and preserve the improvements and landscaped areas on the Site, and to attach a lien on the Site, or to assess the Site, in the amount of the expenditures arising from such acts and work of protection, maintenance, and preservation by Agency and/or costs of such cure, including a fifteen percent (15%) administrative charge, which amount shall be promptly paid by Participant to Agency upon demand. 4.2 Lien. If the costs incurred pursuant to Section 4.1 are not reimbursed within thirty (30) days after Participant's receipt of notice thereof, the same shall be deemed delinquent, and the amount thereof shall bear interest thereafter at a rate of ten percent (10%) per annum until paid. Any and all delinquent amounts, together with said interest, costs and reasonable attorney's fees, shall be a lien and charge, with power of sale, upon the property interests of Participant, and the rents, issues and profits of such property. Agency may bring an action at law against Participant to pay any such sums or foreclose the lien against Participant's property interests. Any such lien may be enforced by sale by the Agency following recordation of a Notice of Default of Sale given in the manner and time required by law as in the case of a deed of trust; such sale to be conducted in accordance with the provisions of Section 2924, et M., of the California Civil Code, applicable to the exercise of powers of sale in mortgages and deeds of trust, or in any other manner permitted by law. No lien recorded by Agency pursuant to this Section 4.2 shall defeat or render invalid the lien of any senior mortgage or deed of trust. 5.0 MANAGEMENT. 882/015610-0063 r 9 2 ] 325173.04 all/19/02 5.1 Gross Mismana e� ment. In the event of "Gross Mismanagement" (as that term is defined below) of the Project, Agency shall have the authority to require that such Gross Mismanagement cease immediately, and further to require the immediate replacement of the manager. Agency shall provide written notice to Participant of the event(s) of Gross Mismanagement occurring and Participant shall have five (5) business days after receipt of such notice to commence to cure, correct, or remedy the event(s) of Gross Mismanagement identified in the Agency's notice and to notify the Agency's Executive Director of the steps taken to effect such cure, correction, or remedy, and upon commencing such cure, correction, or remedy to thereafter diligently prosecute such cure, correction, or remedy to completion. For purposes of this Agreement the term "Gross Mismanagement" shall mean management of the Project in a manner which materially violates the terms and/or intention of this Agreement to operate an affordable rental housing complex of the highest standard, and shall include, but is not limited to, the following: 5.1.1 Knowingly leasing Restricted Units to ineligible tenants or tenants whose income exceeds the prescribed levels; 5.1.2 Knowingly allowing the tenants to exceed permitted occupancy levels without taking immediate steps to stop such overcrowding; 5.1.3 Failing to timely maintain the Project and the Site in the manner required by this Agreement or failing to submit materially complete reports; 5.1.4 Failing to timely submit the reports as required by this Agreement; 5.1.5 Fraud in connection with any document or representation relating to this Agreement or embezzlement of Project monies; and 5.1.6 Failing to fully cooperate with law enforcement in maintaining a crime - free environment on the Site. 5.2 Lease Approval. The initial form lease agreement to be used by Participant for the rental of any of the Units ("Lease Agreement"), and any changes to such form Lease Agreement regarding the provisions required by Section 3.6 and Section 3.9 to be included in the form Lease Agreement shall be reasonably approved in advance by Agency's Executive Director prior to the initial use of the lease form and prior to the first use of the changed form. 6.0 COMPLIANCE WITH LAWS; ENVIRONMENTAL MATTERS. 6.1 Compliance With Laws. Participant shall comply with (1) all ordinances, regulations and standards of the City, Agency, County of Riverside, any regional governmental entity, State of California, and federal government applicable to the Property; (ii) all rules and regulations of any assessment district of the City with jurisdiction over the Property; and (iii) all applicable labor standards of California law and federal law, inelu inn the ..^,,. ent ofpfevailing wages; and (iv) the requirements of California law and federal law with respect to the employment of undocumented workers or illegal aliens. 6.2 Environmental Matters. 882/015610-0063 1 0 325173.04 al1/19/02 6.2.1 Definitions. For the purposes of this Agreement, unless the context otherwise specifies or requires, the following terms shall have the meanings herein specified: 6.2.1.1 The term "Hazardous Materials" shall mean any substance, material, or waste which is or becomes regulated by any local governmental authority, the County of Riverside, the State of California, a regional governmental authority, or the United States Government, including, but not limited to, any material or substance which is (i) defined as a "hazardous waste," "extremely hazardous waste," or "restricted hazardous waste" under Section 25115, 25117 or 25122.7, or listed pursuant to Section 25140 of the California Health and Safety Code, Division 20, Chapter 6.5 (Hazardous Waste Control Law)), (ii) defined as a "hazardous substance" under Section 25316 of the California Health and Safety Code, Division 20, Chapter 6.8 (Carpenter -Presley -Tanner Hazardous Substance Account Act), (iii) defined as a "hazardous material," "hazardous substance," or "hazardous waste" under Section 25501 of the California Health and Safety Code, Division 20, Chapter 6.95 (Hazardous Materials Release Response Plans and Inventory), (iv) defined as a "hazardous substance" under Section 25281 of the California Health and Safety Code, Division 20, Chapter 6.7 (Underground Storage of Hazardous Substances), (v) petroleum, (vi) friable asbestos, (vii) polychlorinated byphenyls, (viii) listed under Article 9 or defined as "hazardous" or "extremely hazardous" pursuant to Article 11 of Title 22 of the California Administrative Code, Division 4, Chapter 20, (ix) designated as "hazardous substances" pursuant to Section 311 of the Clean Water Act (33 U.S.C. 1317), (x) defined as a "hazardous waste" pursuant to Section 1004 of the Resource Conservation and Recovery Act, 42 U.S.C. 6901 et seg. (42 U.S.C. 6903) or (xi) defined as "hazardous substances" pursuant to Section 101 of the Comprehensive Environmental Response, Compensation, and Liability Act, 42 U.S.C. 9601 et seq. 6.2.1.2 The term "Hazardous Materials Contamination" shall mean the contamination (whether presently existing or hereafter occurring) of the improvements, facilities, soil, groundwater, air or other elements on, in or of the Site by Hazardous Materials, or the contamination of the buildings, facilities, soil, groundwater, air or other elements on, in or of any other property as a result of Hazardous Materials at any time emanating from the Site. 6.2.1.3 The term "Governmental Requirements" shall mean all past, present and future laws, ordinances, statutes, codes, rules, regulations, orders and decrees of the United States, the state, the county, the city, or any other political subdivision in which the Site is located, and any other state, county city, political subdivision, agency, instrumentality or other entity exercising jurisdiction over the Site. 6.2.2 Indemnity. Participant shall save, protect, defend, indemnify and hold harmless Agency and the City and their respective officers, officials, members. employees, agents, and representatives from and against any and all liabilities, suits, actions, claims, demands, penalties, damages (including, without limitation, penalties, fines and monetary sanctions), losses, costs or expenses (including, without limitation, consultants' fees, investigation and laboratory fees, reasonable attorneys' fees and remedial and response costs) (the foregoing are hereinafter collectively referred to as "Liabilities") which may now or in the future be incurred or suffered by Agency or City or their respective officers, officials, members, employees, agents, or representatives by reason of, resulting from, in connection with, or existing in any manner whatsoever as a direct or indirect result of (i) Participant's placement on or under 017 882/015610-0063 325173.04 a11/19/02 1 1 the Site of any Hazardous Materials or Hazardous Materials Contamination on or after the date of this Agreement, (ii) the escape, seepage, leakage, spillage, discharge, emission or release from the Site of any Hazardous Materials or Hazardous Materials Contamination on or after the date of this Agreement, or (iii) any Liabilities incurred under any Governmental Requirements relating to the acts described in the foregoing clauses (i) and (ii); provided, however. that the same shall not apply to acts or omissions following Agency's or City's conduct of a foreclosure sale or acceptance of a deed in lieu thereof. 6.3 Duty to Prevent Hazardous Material Contamination. Participant shall take commercially reasonable action to prevent the release of any Hazardous Materials into the environment. Such precautions shall include compliance with all Governmental Requirements with respect to Hazardous Materials. In addition, Participant shall install and utilize such equipment and implement and adhere to such procedures as are consistent with the standards generally applied by apartment complexes in Riverside County, California as respects the disclosure, storage, use, removal, and disposal of Hazardous Materials. 6.4 Obligation of Participant to Remediate Premises. Notwithstanding the obligation of Participant to indemnify Agency, City, and their respective officers, officials, members, employees, agents, and representatives pursuant to Section 6.2.2, Participant shall, at its sole cost and expense, promptly take (i) all actions required by any federal, state, regional, or local governmental agency or political subdivision or any Governmental Requirements and (ii) all actions necessary to make full economic use of the Site for the purposes contemplated by this Agreement and the AHA, which requirements or necessity arise from the presence upon, about or beneath the Site, prior to Agency's or City's conduct of a foreclosure sale or acceptance of a deed in lieu thereof, of any Hazardous Materials or Hazardous Materials Contamination for which Participant is responsible. Such actions shall include, but not be limited to, the investigation of the environmental condition of the Site, the preparation of any feasibility studies or reports and the performance of any cleanup, remedial, removal or restoration work. 6.5 Environmental Inquiries. Participant, when it has received any notices of violation, notices to comply, citations, inquiries, clean-up or abatement orders, or cease and desist orders related to Hazardous Materials or Hazardous Materials Contamination, or when Participant is required to report to any governmental agency any violation or potential violation of any Governmental Requirement pertaining to Hazardous Materials or Hazardous Materials Contamination, shall concurrently notify Agency's Executive Director, and provide to him/her a copy or copies, of the environmental permits, disclosures, applications, entitlements or inquiries relating to the Site, the notices of violation, notices to comply, citations, inquiries, clean-up or abatement orders, cease and desist orders, reports filed pursuant to self -reporting requirements, and reports filed or applications made pursuant to any Governmental Requirement relating to Hazardous Materials and underground tanks, and Participant shall report to the Executive Director, as soon as possible after each incident, any unusual, potentially important incidents. In the event of a responsible release of any Hazardous Materials into the environment, Participant shall, as soon as possible after it becomes aware of the release, furnish to the Executive Director a copy of any and all reports relating thereto and copies of all correspondence with governmental agencies relating to the release. Upon request of the Executive Director, Participant shall furnish to the Executive Director a copy or copies of any and all other 982/015610-0063 42 18 325173.04 al 1/19/02 12 environmental entitlements or inquiries relating to or affecting the Site including, but not limited to, all permit applications, permits and reports including, without limitation, those reports and other matters which may be characterized as confidential. 7.0 INSURANCE. 7.1 Duty to Procure Insurance. Participant, for the term of this Agreement, shall procure and keep in full force and effect or cause to be procured and kept in full force and effect for the mutual benefit of Participant and Agency, and shall provide Agency evidence reasonably acceptable to Agency Executive Director, insurance policies meeting the minimum requirements set forth below: 7.1.1 Commercial General Liability insurance with respect to the Site and the operations of or on behalf of Participant, in an amount not less than One Million Dollars ($1,000,000) per occurrence combined single limit including products, completed operations, contractual, bodily injury, personal injury, death and property damage liability per occurrence, subject to such increases in amount as Agency may reasonably require from time to time; provided, that the percentage increase in coverage shall not be required to exceed the percentage increase in the Consumer Price Index published by the United States Department of Labor, Bureau of Labor Statistics, for Urban Wage Earners and Clerical Workers, Los Angeles -Long Beach -Anaheim Average, All Items (1984 = 100) (the "Index"), from and after the date of this Agreement, or, if said Index is discontinued, such official index as may then be in existence and which is most nearly equivalent to said Index (the "CPI Adjustment"). Unless otherwise approved in advance by the Agency Executive Director, the insurance to be provided by Participant may provide for a deductible or self -insured retention of not more than Ten Thousand Dollars ($10,000), with such maximum amount to increase at the same rate as the periodic increases in the minimum amount of total insurance coverage set forth above. 7.1.2 With respect to the improvements and any fixtures and furnishings to be owned by Participant on the Site, insurance against fire, extended coverage, vandalism, and malicious mischief, and such other additional perils, hazards, and risks as now are or may be included in the standard "all risk" form in general use in Riverside County, California, with the standard form fire insurance coverage in an amount equal to full actual replacement cost thereof, as the same may change from time to time. The above insurance policy or policies shall include coverage for earthquakes to the extent generally and commercially available at commercially reasonable rates, if such insurance is generally obtained for rental apartment projects of this size and type in the counties of Los Angeles, Orange County. Riverside, and San Bernardino. Agency shall be a loss payee under such policy or policies and such insurance shall contain a replacement cost endorsement. 7.2 Policy Requirements. All policies of insurance required to be carried by Participant shall meet the following requirements and contain the following endorsements, provisions, or clauses (as applicable): 7.2.1 The policies shall be written by responsible and solvent insurance companies licensed in the State of California and having policyholders' rating of A or better, in the most recent addition of `Best's Key Rating Guide -- Property and Casualty." A copy of each 32517 .04 a101061313 o i l 325173.04 a/9/02 paid -up policy evidencing such insurance (appropriately authenticated by the insurer) or a certificate of the insurer, certifying that such policy has been issued, providing the coverage required herein, and containing the provisions specified herein, shall be delivered to Agency on or prior to the date of this Agreement, and thereafter, upon renewals, not less than thirty (30) days prior to the expiration of coverage. Agency may, at any time, and from time to time, inspect and/or copy any and all insurance policies required to be procured by Participant hereunder. In no event shall the limits of any policy be considered as limiting the liability of Participant hereunder. 7.2.2 The insurer shall not cancel or materially alter the coverage provided by such policy in a manner adverse to the interest of the insured without first giving Agency a minimum of thirty (30) days prior written notice by certified mail, return receipt requested; and 7.2.3 A waiver by the insurer of any right to subrogation against Agency and City, and their respective officers, officials, members, employees, agents, and representatives, which arises or might arise by reason of any payment under such policy or policies or by reason of any act or omission of Agency or City or their respective officers, officials, members, employees, agents, or representatives. 7.2.4 The Agency and the City and their respective officers, officials, members, employees, agents, and representatives shall be named as additional insureds on the Commercial General Liability policies. 7.2.5 Coverage provided by these policies shall be primary and non- contributory to any insurance carried by the Agency or City or their respective officers, officials, members, employees, agents, or representatives. 7.2.6 Failure to comply with reporting provisions shall not affect coverage provided to Agency and its officers, officials, members, employees, agents, or representatives. 7.3 Failure to Procure Insurance. If Participant fails to procure and maintain the above -required insurance despite its availability, then Agency, in addition to any other remedy which Agency may have hereunder for Participant's failure to procure, maintain, and/or pay for the insurance required herein, may (but without any obligation to do so) at any time or from time to time, after thirty (30) days written notice to Participant, procure such insurance and pay the premiums therefor, in which event Participant shall immediately repay Agency all sums so paid by Agency together with interest thereon at the maximum legal rate. 8.0 OBLIGATION TO REPAIR. 8.1 Obligation to Repair and Restore Damage Due to Casualty Covered by Insurance. Subject to Section 8.3 below, if the Project shall be totally or partially destroyed or rendered wholly or partly uninhabitable by fire or other casualty required to be insured against by Participant, Participant shall promptly proceed to obtain insurance proceeds to the extent made available by the senior lender, if any, and take all steps necessary to begin reconstruction and, immediately upon receipt of insurance proceeds, to promptly and diligently commence the repair or replacement of the Project to substantially the same condition as the Project is required to be maintained in pursuant to this Agreement, whether or not the insurance proceeds are sufficient to 882/015610-0063 o 325173.04 al1/19/02 14 C� f ) cover the actual cost of repair, replacement, or restoration, and Participant shall complete the same as soon as possible thereafter so that the Project can continue to be operated and occupied as an affordable housing project in accordance with this Agreement. Subject to extensions of time for "Enforced Delay" as defined in Section 22 of this Agreement, in no event shall the repair, replacement, or restoration period exceed one (1) year from the date Participant obtains insurance proceeds unless the Agency Executive Director, in his or her sole and absolute discretion, approves a longer period of time. Agency shall cooperate with Participant, at no expense to Agency, in obtaining any governmental permits required for the repair, replacement, or restoration and, upon issuance of such permits Agency shall promptly release control of any insurance proceeds within Agency's control. If, however, the then -existing laws of any other governmental agencies with jurisdiction over the Property do not permit the repair, replacement, or restoration, Participant may elect not to repair, replace, or restore the Project by giving notice to Agency (in which event Participant shall be entitled to all insurance proceeds but Participant shall be required to remove all debris from the Property) or Participant may reconstruct such other improvements on the Property as are consistent with applicable land use regulations and approved by the City, Agency, and the other governmental agency or agencies with jurisdiction. In such event, the Agency Agreements, including this Agreement, shall automatically terminate and Agency shall cooperate to remove the Agency Agreements from title. If Participant fails to obtain insurance as required by this Agreement (and Agency has not procured such insurance and charged Participant for the cost), Participant shall be obligated to reconstruct and repair any partial or total damage to the Project and improvements located on the site in accordance with this Section 8.1. 8.2 Continued Operations. During any period of repair, Participant shall continua,, or cause the continuation of, the operation of the apartment complex on the Site to the extent reasonably practicable from the standpoint of prudent business management. The number of Restricted Units shall be reduced in proportion to the number of Units not habitable as a result of the casualty during such period of repair. 8.3 Damage or Destruction Due to Cause Not Required to be Covered by Insurance. If the improvements comprising the Project are completely destroyed or substantially damaged by a casualty for which Participant is not required to (and has not) insured against, then Participant shall not be required to repair, replace, or restore such improvements and may elect not to do so by providing Agency with written notice of election not to repair, replace, or restore within ninety (90) days after such substantial damage or destruction. In such event, (i) Participant shall remove all debris from the Property, and (ii) the Agency Agreements, including this Agreement, shall automatically terminate and Agency shall cooperate to remove the Agency Agreements from title. As used in this Section 8.3, "substantial damage" caused by a casualty not required to be (and not) covered by insurance shall mean damage or destruction which is fifty percent (50%) or more of the replacement cost of the improvements comprising the Project. In the event Participant does not timely elect not to repair, replace, or restore the improvements as set forth in the first sentence of this Section 8.3, Participant shall be conclusively deemed to have waived its right not to repair, replace, or restore the improvements and thereafter Participant shall promptly commence and complete the repair, replacement, or restoration of the damaged or destroyed improvements in accordance with Section 8.1 above and continue operation of the not 882/015610-0063 325173.04 al1/19/02 15 apartment complex during the period of repair (if practicable) in accordance with Section 8.2 above. 9.0 LIMITATION ON TRANSFERS. 9.1 Sale or Transfer of the Project. Participant covenants that during the term of this Agreement Participant shall not assign this Agreement or transfer the Site or any of its interests therein except as provided in this Section 9.0. 9.2 Transfer Defined. As used in this Article 9.0, the term "Transfer" shall include any assignment, hypothecation, mortgage, pledge, conveyance, or encumbrance of this Agreement, the Site, or the improvements thereon. A Transfer shall also include the transfer to any person, entity, or group of persons or entities acting in concert of more than fifty percent (50%) (in the aggregate) of the present ownership and/or control of any person or entity constituting Participant, taking all transfers into account on a cumulative basis. In the event any entity constituting Participant, or the constituent partners or members of Participant or any successor of Participant, is a corporation or trust, such transfer shall refer to the transfer of the issued and outstanding capital stock of such corporation, or of beneficial interests of such trust; in the event that any entity constituting Participant, or the constituent partners of Participant or any successor of Participant is a limited or general partnership, such transfer shall refer to the transfer of more than fifty percent (50%) of such limited or general partnership interest; in the event that any entity constituting Participant, or the constituent members of Participant or any successor of Participant is a limited liability company, such transfer shall refer to the transfer of more than fifty percent (50%) of such membership interest; in the event that any entity constituting Participant, or the constituent partners of Participant or any successor of Participant is a joint venture, such transfer shall. refer to the transfer of more than fifty percent (50%) of the ownership and/or control of any such joint venture partner, taking all transfers into account on a cumulative basis. 9.3 Agency Approval of Transfer Required. Except as set forth below, Participant shall not Transfer this Agreement or any of Participant's rights hereunder, or any interest in the Site or in the improvements thereon, directly or indirectly, voluntarily or by operation of law, without the prior written approval of Agency, which approval shall not be unreasonably withheld, conditioned, or delayed, and any such purported Transfer without such approval shall be null and void. In addition to the foregoing and notwithstanding anything in this Section to the contrary, so long as the Project is encumbered by a deed of trust (other than a deed of trust the beneficiary of which is the Agency), any proposed transferee or assignee must also receive the prior written consent of the beneficiary of such deed of trust, if required by such deed of trust, before Agency shall approve such transfer or assignment; provided, however, that such consent of beneficiary shall not obligate Agency to approve such Transfer. Notwithstanding the foregoing, the following types of transfers shall not require Agency approval but as with all Transfers shall be subject to Section 9.4: (a) transfers to any entity or entities owned or controlled it ctly or indirectly by Participant or any of its respective shareholders or partners, or to any parent corporation or subsidiary corporation of any partners of Participant, or to any entity or entities controlled by any such shareholders n/ r) 882/015610-0063 16 2 1- 325173.04 al1/19/02 or partners, or to any members of any entity which is a partner of Participant or to any of its constituent members or partners; (b) any mortgage, deed of trust, sale and leaseback, or other form of conveyance required for any reasonable method of financing or refinancing the acquisition of the Site and development of the Project thereon, including all direct and indirect costs related thereto; or (c) the leasing of individual rental units on the Site provided that such leasing is in accordance with the terms of this Agreement; (d) Transfers resulting from the death or mental or physical incapacity of an individual; (e) Transfers in trust for the benefit of a spouse, children, grandchildren, or other family member, or for charitable purposes; (f) Transfers of stock in a publicly -held corporation or of the beneficial interest in ay publicly -held partnership or real estate investment trust; or (g) the conveyance or dedication of portions of the Site to the City or other governmental entity, or the granting of easements or permits to facilitate the development of the Site. Agency shall reasonably consider approving a transfer to an entity not owned or controlled by Participant provided such entity has both of the following: (A) the financial strength and capability, equal to or greater than the financial strength and capability of Participant, to perform Participant's obligations hereunder; and (B) the experience and expertise, at levels equal to or greater than the experience and expertise of Participant, in the planning, financing, development, ownership and operation of similar projects. 9.4 Assignment and Assumption Agreement. In the absence of specific written agreement by Agency, no Transfer by Participant of all or any portion of its interest in the Site or this Agreement, whether or not requiring the approval by Agency, shall be deemed to relieve Participant or any successor party from the obligation to timely complete construction of the Project. In addition, no attempted Transfer of any of Participant's obligations hereunder shall be effective unless and until Participant and the transferee or successor party execute and deliver to Agency a binding assignment and assumption agreement in a form reasonably approved by Agency's legal counsel. 9.5 Permitted Transferee. A "Permitted Transferee" under this Agreement shall be a transferee or assignee that either, (i) has been approved by the Agency Executive Director or (ii) is a transferee of a Transfer not requiring the approval of the Agency Executive Director pursuant to the terms of this Agreement, and in both the cases described in the foregoing clauses (i) and (ii) has executed and delivered to the Agency Executive Director an assignment and assumption agreement pursuant to Section 9.4. 10.0 EVENTS OF DEFAULT BY PARTICIPANT. 882/015610-0063 325173.04 al1/19/02 17 Subject to extensions of time pursuant to the terms of Section 22, the occurrence of one or more of any of the following events shall constitute an "Event of Default" by Participant hereunder if Participant shall have not cured, corrected, or remedied such failure within, unless a shorter or longer cure period is provided for specific defaults elsewhere in this Agreement, thirty (30) days following the service on Participant of a written notice from Agency specifying the failure complained of, or if it is not practicable to cure or remedy such failure within such thirty (30) day period (which impracticality shall not apply to monetary defaults), within such longer period as shall be reasonable under the circumstances provided that Participant has commenced to cure within the same thirty (30) day period and has diligently prosecuted such cure to completion: 10.1 Construction of the Project on the Site has not commenced within the time set forth in the AHA; or 10.2 Construction of the Project on the Site is not completed within the time set forth in the AHA; or 10.3 Participant shall abandon or surrender the Site; or 10.4 Participant is in default of the Note and has not cured such default within the cure period applicable to such default as set forth in the Note; or 10.5 Participant is in material default of any of the covenants, terms or provisions of this Agreement or any of the Agency Agreements; or 10.6 Participant voluntarily files or has involuntarily filed against it any petition under any bankruptcy or insolvency act or law and the same has not been dismissed within sixty (60) days thereafter; or 10.7 Participant is adjudicated a bankrupt; or 10.8 Participant makes a general assignment for the benefit of creditors in violation of the terms of this Agreement or any of the Agency Agreements. 10.9 Participant is in default of its obligations nder that eei4ain Agfeement Of Pumhase and Sale and joint Eser-ow lnstfiaetiens entered into by and between Pal4ieipant-,-as "Buyer-,' any of the following: (i) the covenants and restrictions contained in the grant deed pursuant to which Landaq Inc., a Delaware corporation ("Landaq") as "Seller-", (i) the gfant deed pursuant to whieh r ^^a^^"Seller" conveyed the Site to Participant r n Deed"), which Grant Deed was recorded on October 24, 2002, as Instrument No. 2002- 600846, in the Official Records of the County of Riverside ("Official Records"l; (ii) that certain Declaration of Development Covenants, Conditions and Restrictions entered into and recorded on October 24, 2002, as Instrument No. 2002-600848, in the Official Records , by and between Landaq, as the "Company," and Participant, as the "Builder," which sets forth certain development and use restrictions with which Participant is required to comply; and or (Ili) that certain Option Agreement and Escrow 882/015610-0063 325173.04 al 1/19/02 18 !� �� Instructions entered into on or about October 24, 2002, by and between Landaq, as the "Company," and Participant, as the "Builder," which provides for Participant's grant to Landaq of an option to repurchase the Site in accordance with the terms thereof, as memorialized by that certain Memorandum of Option entered into by those parties and recorded on October 24, 2002, as Instrument No. 2002-600849, in the Official Records. of the County f Rive. -side 11.0 REMEDIES OF AGENCY. In the event Participant defaults in the performance or observance of any covenant, agreement or obligation of Participant pursuant to this Agreement, and if such default remains uncured for a period of thirty (30) days after written notice thereof shall have been given by Agency (or such lesser period as may apply under Section 4.1), or, in the event said default cannot be cured within said time period, Participant has failed to commence to cure such default within the applicable time period and diligently prosecute said cure to completion, then Agency shall declare an "Event of Default" to have occurred hereunder, and, at its option, may take one or more of the following steps: 11.1 With respect to (i) the physical condition of the Site, or (ii) Participant's Gross Mismanagement of the Project, enter the Site and correct or cause to be corrected said default and charge the costs thereof (including costs incurred by Agency in enforcing this provision) to the account of Participant, which charge shall be due and payable within thirty (30) days after presentation by Agency of a statement of all or part of said costs, and if such bill is not timely paid then to place a lien on the Site for said amount due plus interest at the maximum legal rate; 11.2 Correct or cause to be corrected said default and pay the costs thereof (including costs incurred by Agency in enforcing this provision) from the proceeds of any insurance; 11.3 Exercise its right to maintain any and all actions at law or suits in equity to compel Participant to correct or cause to be corrected said default; 11.4 Have a receiver appointed to take possession of Participant's interest in the Site, with power in said receiver to administer Participant's interest in the Site, to collect all funds available to Participant in connection with its operation and maintenance of the Site, and to perform all other actions consistent with Participant's obligations under this Agreement as the court deems proper; 11.5 Terminate this Agreement by written notice to Participant and seek repayments of any remaining principal and accrued interest then owing on the Agency Note. Except as otherwise expressly stated in this Agreement, the rights and remedies of the parties are cumulative, and the exercise by any party of one or more of its rights or remedies shall not preclude the exercise by it, at the same or different times, of any other rights or remedies for the same default or any other default by another party. 882/015610-0063 1 9 325173.04 a11/19/02 12.0 NONDISCRIMINATION. 12.1 Antidiscrimination. There shall be no discrimination against or segregation of any person, or group of persons, on account of race, color, creed, religion, sex, marital status, national origin or ancestry in the sale, lease, sublease, transfer, use, occupancy, tenure or enjoyment of the Site, or any part thereof, nor shall Participant, or any person claiming under or through it, establish or permit any such practice or practices of discrimination or segregation with reference to the selection, location, number, use or occupancy of tenants, lessees, subtenants, sublessees or vendees of the Site, or any part thereof (except as permitted by this Agreement). 12.2 Anti -Discrimination Clauses in Agreements. Participant agrees for itself and any successor in interest that Participant shall refrain from restricting the rental, sale, or lease of any portion of the Site, or contracts relating to the Site, on the basis of race, color, creed, religion, sex, marital status, ancestry, or national origin of any person. All such deeds, leases or contracts shall contain or be subject to substantially the following nondiscrimination or nonsegregation clauses: 12.2.1 In deeds: "The grantee herein covenants by and for itself, its heirs, executors, administrators, and assigns, and all persons claiming under or through them, that there shall be no discrimination against or segregation of any person or group of persons on account of race, color, creed, religion, sex, marital status, ancestry, or national origin in the sale, lease, sublease, transfer, use, occupancy, tenure, or enjoyment of the land herein conveyed, nor shall the grantee itself, or any persons claiming under or through it, establish or permit any such practice or practices of discrimination or segregation with reference to the selection, location, number, use, or occupancy of tenants, lessees, subtenants, sublessees, or vendees in the land herein conveyed. The foregoing covenants shall run with the land." 12.2.2 In leases: "The lessee herein ccvenants by and for itself, its heirs, executors, administrators, 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 status, race, color, creed, religion, sex, marital status, ancestry, or national origin in the leasing, subleasing, transferring, use, occupancy, tenure, or enjoyment of the land herein leased, nor shall the lessee itself, or any person claiming under or through it, establish or permit any such practice or practices of discrimination or segregation with reference to the selection, location, number, use, or occupancy of tenants, lessees, sublessees, subtenants, or vendees in the land herein leased." 12.2.3 In contracts: "There shall be no discrimination against or segregation of any persons or group of persons on account of status, race, color, creed, religion, sex, marital status, ancestry, or national origin in the sale, lease, transfer, use, occupancy, tenure, or enjoyment of 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 882/015610-0063 20 325173.04 a11/19/02 to the selection, location, number, use, or occupancy of tenants, lessees, subtenants, sublessees, or vendees of land." 13.0 COVENANTS TO RUN WITH THE LAND. Participant hereby subjects the Site to the covenants, reservations, and restrictions set forth in this Agreement. Agency and Participant hereby declare their express intent that all such covenants, reservations, and restrictions shall be deemed covenants running with the land, and shall pass to and be binding upon the Participant's successors in title to the Site; provided, however, that on the termination of this Agreement said covenants, reservations and restrictions shall automatically expire. All covenants established in this Agreement shall, without regard to technical classification or designation, be binding for the benefit of the Agency, and such covenants shall run in favor of the Agency for the entire term of this Agreement, without regard to whether the Agency is or remains an owner of any land or interest therein to which such covenants relate. Each and every contract, deed or other instrument hereafter executed covering or conveying the Site or any portion thereof shall conclusively be held to have been executed, delivered and accepted subject to such covenants, reservations, and restrictions, regardless of whether such covenants, reservations, and restrictions are set forth in such contract, deed or other instrument. Agency and Participant hereby declare their understanding and intent that the burden of the covenants set forth herein touch and concern the land in that Participant's legal interest in the Site is rendered less valuable thereby. Agency and Participant further hereby declare their understanding and intent that the benefit of such covenants touch and concern the land by enhancing and increasing the enjoyment and use of the Project by Eligible Tenants, the intended beneficiaries of such covenants, reservations, and restrictions, and by furthering the public purposes for which the Agency was formed. Participant, in exchange for the Agency entering into the AHA, hereby agrees to hold, sell, and convey the Site subject to the terms of this Agreement. Participant also grants to the Agency the right and power to enforce the terms of this Agreement against the Participant and all persons having any right, title or interest in the Site or any part thereof, their heirs, successive owners and assigns. The covenants set forth in Article 12.0 of this Agreement shall remain in effect in perpetuity. All other covenants set forth in this Agreement shall remain in effect for a period of fifty-five (55) years following the date this Agreement is recorded in the office of the Riverside County Recorder. 14.0 INDEMNIFICATION. Participant agrees for itself and its successors and assigns to indemnify, defend, and hold harmless Agency, City, and their respective officers, officials, members, employees, agents, and representatives from and against any loss, liability, claim, or judgment relating in any manner to the Project excepting only any such loss, liability, claim, or judgment arising out of the intentional wrongdoing or gross negligence of Agency, City, or their respective officers, officials, members, employees, agents, or representatives. 882/015610-0063 2 1 325173.04 al 1/19/02 22 7 15.0 UTILITIES AND TAXES. Participant, while in possession of the Property, and each successor or assign of Participant while in possession of the Property, shall remain fully obligated for the payment of (i) real and personal property taxes and assessments in connection with the Property, and (ii) all charges for all utilities serving the Property for which Participant is responsible. 16.0 ATTORNEYS' FEES. In the event that a party to this Agreement brings an action against the other party hereto by reason of the breach of any condition, covenant, representation or warranty in this Agreement, or otherwise arising out of this Agreement, the prevailing party in such action shall be entitled to recover from the other expert witness fees, and its reasonable attorney's fees and costs. Attorney's fees shall include attorney's fees on any appeal, and in addition a party entitled to attorney's fees shall be entitled to all other reasonable costs for investigating such action, including the conducting of discovery. 17.0 AMENDMENTS. This Agreement shall be amended only by a written instrument executed by the parties hereto or their successors in title, and duly recorded in the real property records of the County of Riverside. 18.0 NOTICE. Formal notices, demands, and communications between Agency and Participant shall be sufficiently given if (i) personally delivered, (ii) delivered by a reputable same -day or overnight courier services that provides a receipt showing date and time of delivery, (iii) delivered by United States mail, registered or certified, postage prepaid, return receipt requested, or (iv) delivered by facsimile transmission, provided the original of the faxed communication is delivered within twenty-four (24) hours by one of methods described in clauses (i), (ii), or (iii) of the foregoing. Delivery shall be made to the following addresses: If to Agency: La Quinta Redevelopment Agency 78-495 Calle Tampico La Quinta, CA 92253 Attn: Executive Director Fax: (760) 777-7101 With a copy to: Rutan & Tucker, LLP 611 Anton Boulevard, Suite 1400 Costa Mesa, CA 92626 Attn: M. Katherine Jenson, Esq. Fax: (714) 546-9035 882/015610-0063 `? . Q 325173.04 al1/19/02 22 If to Participant: Apartments at La Quinta Village, LP 1105 Quail Street Newport Beach, CA 92658 Attn: Victor Mahoney Fax: (949) 250-8574 With a copy to: Palmieri, Tyler, Wiener, Wilhelm & Waldron, LLP 2603 Main Street, Ste. 1300 P.O. Box 19712 Irvine, CA, 92014-0220 Attn: Robert Ihrke Fax: (949) 851-1554 Notices that are personally delivered, delivered by messenger/courier, or by fax (provided there is compliance with the terms of clause (iv) above) shall be deemed effective upon receipt. Notices delivered by mail shall be deemed effective upon the earlier of actual receipt by the addressee thereof or the expiration of forty-eight (48) hours after depositing in the United States Postal System in the manner described in this Section. Such written notices, demands, and communications may be sent in the same manner to such other addresses as a party may from time to time designate by mail. 19.0 NONLIABILITY OF AGENCY OFFICIALS. No officer, official, member, employee, agent, or representative of Agency shall be personally liable to Participant, or any successor in interest, in the event of any default or breach by Agency or for any amount which may become due to Participant or successor or on any obligations under the terms of this Agreement or any of the Agency Agreements. 20.0 TRANSACTIONS WITH AFFILIATES. Participant shall have the right to enter into contracts with subsidiaries, affiliates and other related entities for the purpose of providing cleaning, maintenance and repair services, insurance policies and other purposes related to the operation of the Site, provided that all such costs and charges are competitive with the costs, charges, rent and other sums which would be paid by or to, as the case may be, an unrelated third party, and further provided that all such contracts and transactions are disclosed to Agency's Executive Director, including the costs and charges of such contracts and transactions. Agency acknowledges and agrees that Participant may act as its own general contractor for the constructions of any improvements on the Site and that will be entitled in so doing to earn a commercially reasonable fee. 21.0 SEVERABILITY/WAIVER/INTEGRATION. 21.1 Severability. If any provision of this Agreement shall be invalid, illegal or unenforceable, the validity, legality and enforceability of the remaining portions hereof shall not in any way be affected or impaired thereby. 2?1 882/015610-0063 2 325173.04 al 1/19/02 21.2 Waiver. All waivers of the provisions of this Agreement, unless specified otherwise herein, must be in writing and signed by the appropriate authorities of Agency or Participant as applicable No delay or omission by either party hereto in exercising any right or power accruing upon the compliance or failure of performance by the other party hereto under the provisions of this Agreement shall impair any such right or power or be construed to be a waiver thereof. A waiver by either party of the perf ^ranee of any eaven n endit on he fe hereto of a breach of any of the covenants, _conditions or agreements hereof to be performed by the other party shall not invalidate this Agreement nor shall it be eensider-ed awaiver- of any other- eevenants or- eenditions, nor- shall the delay of fe�ear-aflee by either- pa. t-, edy or right be eensidered a waiver- of-, ef an esteppel against, �the later- exer-cT;,e o-r-sueh r-em.�..:b... construed as a waiver of any succeeding breach o the same or other covenants agreements restrictions or conditions hereof. 21.3 Integration. This Agreement contains the entire Agreement between the parties concerning the subject matter hereof and neither party relies on any warranty or representation not contained in this Agreement. 22.0 ENFORCED DELAY; EXTENSIONS OF TIME. Performance by a party hereunder shall not be deemed to be in default where delays or defaults are due to war; insurrection; strikes; lock -outs; riots; floods; earthquakes; fires; casualties; supernatural causes; acts of the public enemy; epidemics; quarantine restrictions; freight embargoes; lack of transportation; governmental restrictions or priority litigation; unusually severe weather; inability to secure necessary labor, materials or tools; acts of the other party; acts or the failure to act of a public or governmental agency or entity (except that acts or the failure to act of Agency or City shall not excuse performance by Agency or City unless the act or failure is caused by the acts or omissions of Participant); or any other causes beyond the reasonable control or without the fault of the party claiming an extension of time to perform. In the event of such a delay (herein "Enforced Delay"), the party delayed shall continue to exercise reasonable diligence to minimize the period of the delay. An extension of time for any such cause shall be limited to the period of the Enforced Delay, and shall commence to run from the time of the commencement of the cause, provided notice by the party claiming such extension is sent to the other party within fifteen (15) days after the sending party has knowledge, or should have obtained knowledge of the commencement of the cause. The following shall not be considered as events or causes beyond the control of Participant, and shall not entitle Participant to an extension of time to perform: (i) Participant's failure to obtain financing for the Project, (ii) Participant's failure to negotiate agreements with prospective tenants or users for the Project, or (iii) interest rates or economic or market conditions. Times of performance under this Agreement may also be extended by mutual written agreement by Agency and Participant. The Agency Executive Director shall also have the authority on behalf of Agency to administratively approve extensions of time not to exceed a cumulative total of one (1) year. 23.0 THIRD PARTY BENEFICIARY. The City of La Quinta is deemed a third party beneficiary of the terms and covenants contained in this Agreement and has the right, but not the obligation, to enforce the terms and covenants contained herein. 882/015610-0063 24 210 325173.04 al1/19/02 24.0 FUTURE ENFORCEMENT. The parties hereby agree that should the Agency cease to exist as an entity at any time during the term of this Agreement, the City of La Quinta shall have the right to enforce all of the terms and conditions herein, unless the Agency had previously specified another entity to enforce this Agreement. 25.0 GOVERNING LAW. This Agreement shall be governed by the laws of the State of California. 26.0 NO MERGER. The covenants, terms, and provisions of this Agreement shall not merge with any grant deed or other instrument pertaining to the conveyance of any interest in real property. 27. COUNTERPARTS. This Agreement may be executed in any number of counterparts, each of which shall constitute one original and all of which shall be one and the same instrument. [end - signature page follows] IN WITNESS WHEREOF, the Agency and Participant have executed this Regulatory Agreement and Declaration of Covenants and Restrictions by duly authorized representatives on the date first written hereinabove. ATTEST: Lo Secretary APPROVED AS TO FORM: RUTAN & TUCKER, LLP Attorneys for the La Quinta Redevelopment Agency "AGENCY" LA QUINTA REDEVELOPMENT AGENCY, a public body, corporate and politic Thomas Genovese Executive Director "PARTICIPANT" APARTMENTS AT LA QUINTA VILLAGE, LP, a California limited partnership 2 r� 882/015610-0063 2 5 325173.04 al1/19/02 By: Apartments at La Quinta Village, LLC, a California limited liability company Its: General Partner By: Cameo Homes, a California corporation Its: Managing Member By: J.C. Gianulias Its: President STATE OF CALIFORNIA ) ss. COUNTY OF ) On before me, , personally appeared , personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument the person(s) or the entity upon behalf of which the person(s) acted, executed the instrument. Witness my hand and official seal. [SEAL] STATE OF CALIFORNIA ss. COUNTY OF Notary Public On before me, , personally appeared , personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in " 882/015610-0063 �� 325173.04 al1/19/02 his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument the person(s) or the entity upon behalf of which the person(s) acted, executed the instrument. Witness my hand and official seal. Notary Public [SEAL] 882/015610-0063 2 7 325173.04 al1/19/02 ATTACHMENT NO. 1 LEGAL DESCRIPTION OF SITE Parcel 3 of Parcel Map No. 30721, recorded on October 23, 2002, in Book 203, pages 30 through 31, of Parcel Maps, filed in the Office of the County Recorder of Riverside County, State of California. ATTACHMENT NO, 2 INCOME COMPUTATION AND CERTIFICATION FORM [See following pages] ATTACHMENT NO.3 INCOME RECERTIFICATION FORM [See following pages] ATTACHMENT NO. 4 CERTIFICATION OF CONTINUING PROGRAM COMPLIANCE [See following page] 882/015610-0063 325173.04 all/19/02 EXHIBIT "H" FORM OF RELEASE OF CONSTRUCTION COVENANTS [SEE FOLLOWING PAGES] 882/015610-0063 n ? r 325173.04 al1/19/02 RECORDING REQUESTED BY AND WHEN RECORDED RETURN TO: La Quinta Redevelopment Agency 78-495 Calle Tampico La Quinta„ CA 92253 Attn: Executive Director [NOTE: RECORD AS PARTIAL RELEASE OF AGREEMENT] (Space Above Line for Recorder's Use Only) (Exempt from Recording Fee per Gov. Code 6103) RELEASE OF CONSTRUCTION COVENANTS WHEREAS, APARTMENTS AT LA QUINTA VILLAGE, LP, a California limited partnership, is the owner of fee title to that certain real property legally described in Attachment No. 1 attached hereto and incorporated herein by reference , aeeer- iag to the terms and ^ nditions of said A T en}(the "Site"l; and WHEREAS, by an Affordable Housing Agreement (hereinafter referred to as the "Agreement") dated , by and between Participant and the La Quinta Redevelopment Agency, a public body corporate and politic ("Agency"), Participant has redeveloped the Site in accordance with the Agreement; and WHEREAS, pursuant to Section 6.44 of the Agreement, promptly after Participant's completion of all rehabilitation , wo -v 1it the "Project" (as that term is defined in the Agreement) upon the Site, and upon request by Participant, Agency shall furnish Participant with a Release of Construction Covenants in such form as to permit it to be recorded in the Official Records of the County of Riverside; and WHEREAS, the issuance by Agency of the Release of Construction Covenants shall be conclusive evidence that Participant has complied with the terms of the Agreement pertaining to the rehabilitation of the Site; and WHEREAS, Participant has requested that Agency furnish Participant with the Release of Construction Covenants; and WHEREAS, Agency has conclusively determined that the rehabilitation of the Site has been satisfactorily completed as required by the Agreement; NOW, THEREFORE: 1. As provided in the Agreement, Agency does hereby certify that rehabilitation of the Site has been fully and satisfactorily performed and completed, and that such rehabilitation is in full compliance with said Agreement. r1 r2 [► 882/015610-0063 f) 325173.04 all/19/02 2. This Release of Construction Covenants shall not constitute evidence of Participant's compliance with the following agreements, the provisions of which shall continue to run with the land until termination thereof in accordance with the terms thereof: (i) Deed of Trust with Assignment of Rents, Security Agreement and Fixture Filing, by and between Participant as borrower and Agency as beneficiary, dated and recorded on , as Instrument No. , in the Office of the Riverside County; and (ii) Regulatory Agreement and Declaration of Covenants and Restrictions by and between Participant and Agency, and recorded on , as Instrument No. in the Office of the Riverside County Recorder. 3. This Release of Construction Covenants shall not constitute evidence of compliance with or satisfaction of any obligation of Participant to any holder of a mortgage, or any insurer of a mortgage, securing money loaned to finance construction work on the Site, or any part thereof. 4. This Release of Construction Covenants is not a Notice of Completion as referred to in California Civil Code Section 3093. 5. Except as stated herein, nothing contained in this instrument shall modify in any way any other provisions of the Agreement or any other provisions of any agreements or documents referenced therein. IN WITNESS WHEREOF, Agency has executed this Release of Construction Covenants as of this day of , LA QUINTA REDEVELOPMENT AGENCY, a public body, corporate and politic Executive Director CONSENT TO RECORDATION APARTMENTS AT LA QUINTA VILLAGE, LP ("Owner"), owner of the fee interest in the real property legally described in Attachment No. I hereto, hereby consents to the recordation of the foregoing Release of Construction Covenants against said real property. APARTMENTS AT LA QUINTA VILLAGE, LP, a California limited partnership By: Apartments at La Quinta Village, LLC, a California limited liability company Its: General Partner 882/015610-0063 2 ' 325173.04 a11/19/02 By: Cameo Homes, a California corporation Its: Managing Member By: J.C. Gianulias Its: President 882/015610-0063 325173.04 a11/19/02 STATE OF CALIFORNIA ss. COUNTY OF On before me, , personally appeared , personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument the person(s) or the entity upon behalf of which the person(s) acted, executed the instrument. Witness my hand and official seal. [SEAL] STATE OF CALIFORNIA ss. COUNTY OF Notary Public On before me, , personally appeared , personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument the person(s) or the entity upon behalf of which the person(s) acted, executed the instrument. Witness my hand and official seal. [SEAL] Notary Public ATTACHMENT NO. 1 LEGAL DESCRIPTION OF SITE 882/015610-0063 n -� 325173.04 ail/19/02 Parcel 3 of Parcel Map No. 30721, recorded on October 23, 2002, in Book 203, pages 30 through 31, of Parcel Maps, filed in the Office of the County Recorder of Riverside County, State of California. 882/015610-0063 325173.04 a11/19/02