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Resolution 2022-32053 RESOLUTION NO. 2022-32053 A RESOLUTION OF THE MAYOR AND CITY COMMISSION OF THE CITY OF MIAMI BEACH, FLORIDA, FOLLOWING A DULY ADVERTISED PUBLIC HEARING, APPROVING THE AMENDED AND RESTATED GROUND LEASE AGREEMENT (THE "GROUND LEASE") BETWEEN THE CITY OF MIAMI BEACH AND CFC-MB I, LLC, AN ARIZONA LIMITED LIABILITY COMPANY, FOR THE COLLINS PARK ARTIST WORKFORCE HOUSING PROJECT (THE "PROJECT"), SAID GROUND LEASE MODIFYING, ON A LIMITED BASIS, THE REQUIRED MIX OF INCOME-ELIGIBLE TENANTS OF THE WORKFORCE HOUSING UNITS AT THE COLLINS PARK ARTIST WORKFORCE HOUSING PROJECT, PROVIDED THAT ALL OF THE WORKFORCE HOUSING UNITS FOR THE PROJECT SHALL BE RENTED SOLELY TO ELIGIBLE INDIVIDUALS WITH HOUSEHOLDS EARNING 120% OR LESS OF THE AREA MEDIAN INCOME FOR MIAMI-DADE COUNTY, CONSISTENT WITH ALL APPLICABLE REQUIREMENTS RELATING TO WORKFORCE HOUSING AS PROVIDED IN CHAPTER 58 OF THE CITY CODE; APPROVING THE LEASE AGREEMENT (THE "FIRST FLOOR SUBLEASE") BETWEEN CFC-MB I, LLC (SUBLESSOR)AND THE CITY OF MIAMI BEACH (SUBLESSEE) FOR THE FIRST FLOOR RETAIL SPACE WITHIN THE PROJECT; AND FURTHER, AUTHORIZING THE MAYOR AND CITY CLERK TO EXECUTE THE FINAL NEGOTIATED AGREEMENTS. WHEREAS, the City is the owner of the property located at 224 23rd Street within the Collins Park Cultural District(the "Property") and pursuant to an awarded competitive solicitation process, the City intends to redevelop the Property as a mixed-use residential workforce housing development that prioritizes housing for income-eligible artists, educators, and other members of the Miami Beach workforce (the "Collins Park Artist Workforce Housing Project" or"Project"); and WHEREAS, the Miami City Ballet("Ballet"), South Florida's premier classical ballet company, is a not-for-profit charitable cultural organization, headquartered in close vicinity of the Property, at 2200 Liberty Avenue; and WHEREAS, on September 14, 2016, the Mayor and City Commission adopted Resolution No. 2016-29547, selecting The Concourse Group to identify public-private partnership (P3) opportunities to alleviate the cost and other burdens on the City associated with the development of workforce housing projects on City land including the Property; and WHEREAS, on January 18, 2019, the City issued Invitation to Negotiate (ITN) 2019-099-KB, with a focus on attracting artists and area educators to the City and encouraging proposers to incorporate dormitory space for the Ballet into the Project; and WHEREAS, on July 17, 2019, the Mayor and City Commission adopted Resolution No. 2019-30908, authorizing simultaneous negotiations with both ITN proposers, and following the withdrawal of Atlantic Pacific Communities, LLC, the City Commission directed negotiation with the sole remaining proposer, Servitas, LLC ("Servitas" or "Developer"); and WHEREAS, the Developer, in collaboration with Community Finance Corporation, a not-for-profit corporation that exists to facilitate capital projects for governmental entities throughout the United States, has proposed a public-private partnership with the City that would advance the City's policy objectives of developing workforce housing, with preferential consideration for income-eligible artists, educators, and first responders, by securing the financing for the Project through sources other than the City and thereby freeing fiscal resources of the City for other governmental uses; and WHEREAS, the Lessee would finance the design and construction of the Project through the issuance of tax-exempt project revenue bonds(which would be non-recourse to the City, with principal and interest payable solely from Project revenues); and WHEREAS, on September 23, 2020, the Finance and Economic Resiliency Committee reviewed the Developers proposed terms negotiated with the City Administration and unanimously recommended that the City proceed with the Project; and WHEREAS, in recognition of the potential for neighborhood placemaking, the Finance and Economic Resiliency Committee also recommended that the City retain the ability, at its option,to lease the first floor space and to utilize any surplus Project revenues generated from the housing component in order to subsidize the City's costs to house a cultural partner in such space; and WHEREAS, on October 18, 2020, the Mayor and City Commission adopted Resolution No, 2020-31435, accepting the Finance and Economic Resiliency Committee's recommendations, approving the Project Term Sheet, directing negotiation of a Development Agreement and Ground Lease, and referring the Project for review by the Planning Board; and WHEREAS, on November 17, 2020, the Planning Board unanimously passed Resolution PB20-0407, transmitting the proposed Development Agreement and Ground Lease to the City Commission with a favorable recommendation, in accordance with the requirements of Section 1.03(b)(4) of the City Charter and the City's Land Development Regulations; and WHEREAS, on January 13, 2021, the Mayor and City Commission approved Resolution No. 2021-31553, authorizing the Development Agreement with the Developer; Resolution No. 2021-31554, authorizing the Ground Lease for the Project, with the City's option to enter into a master sublease for the first floor leasable space (the "Ground Floor Sublease"), subject to City payment of first floor rent, in order for the City to curate an appropriate street-level cultural activation compatible with the Collins Park Cultural District; and Resolution No. 2021-31555, authorizing a waiver of the minimum and average unit size requirements for up to ten (10) studio units in the Project and of the City Code's parking requirements with respect to the Project; and 2 WHEREAS, the Development Agreement includes standard contract protections in favor of the City, including a broad indemnification of the City, payment and performance bonds for construction, City to be named as an additional insured on required policies of insurances, and other contract protections reflecting City's limited participation as lessor of the Property; and WHEREAS, as approved in Resolution Nos. 2021-31553 and 2021-31554, the Development Agreement and the Ground Lease each require the Project to maintain a unit mix(Target Unit Mix)with 50% of the units(40 units)to be rented to eligible residents with household income levels of 80% or less of the Area Median Income for Miami-Dade County (AMI) and the remaining 50% (40 units) of the units for eligible residents with household income levels at 120% or less of the AMI; and WHEREAS, on June 6, 2021, the Historic Preservation Board ("HPB") unanimously approved a Certificate of Appropriateness for the Project's design and, subsequently, the Developer submitted a building permit application in September 2021; and WHEREAS, post-pandemic economic conditions have borne witness to significant increases in overall construction costs, with recent pricing estimates of hard costs for the Project arriving at approximately 53% higher than was forecasted when the City Commission approved the Development Agreement and the Ground Lease in January 2021; and WHEREAS, to partially address the increase in construction costs, Servitas has reduced its hard cost budget by over$1,000,000 through value engineering; and WHEREAS, to further address the increased Project cost, Servitas has proposed to create a subordinated debt tranche that will be repaid using rental revenues remaining after payment of the senior debt each period; and WHEREAS, to ensure the Project's ability to pay the subordinated debt and maintain the necessary debt service coverage ratio (DSCR) required by the senior debt, Servitas seeks to create an increase in rental property revenues by adjusting, on a limited basis, the proposed unit mix for the housing program to provide 100% of the units (80 units) at 120% AMI; and WHEREAS, Servitas' proposed tenant income eligibility rate adjustment would continue to satisfy requirements for workforce housing projects as defined in Chapter 58 of the City Code and would provide annual cash flow sufficient to ensure the economic viability of the Project; and WHEREAS, the proposed Amended and Restated Ground Lease stipulates that when the annual budget for the Project is developed each year, the City and Servitas shall, if possible, modify the unit mix by reallocating units from 120% or less AMI units to 3 100%or less AMI and/or 80% or less AMI units to approach the Target Unit Mix as closely as possible taking into account the Project's economics as of the date each such Annual Budget is developed, including without limitation the Project's ability to repay the senior and subordinated bonds, to cover all operating expenses, and to pay ground lease rent to the City while maintaining the DSCR of the bond documents; and WHEREAS, the Administration recognizes that the inflationary pressures which have raised Project construction costs have occurred through no fault of the Developer, and further, Servitas proposes a measured strategy of adding a limited amount of subordinated debt and adjustment to the Project's tenant income eligibility and unit mix in order to close a development financing gap and ensure Project stability following completion of construction; and WHEREAS, the amount of subordinated debt that can be assumed by the Project without jeopardizing the Project's ability to maintain the required DSCR does not entirely cover the financing deficit faced by the Project; and WHEREAS, the Development Agreement stipulates that the Developer shall not be obligated to pay any fees for the Project that can currently be waived under the City Code and further provides that the City may, in its sole and absolute discretion, adopt amendments to the City Code that permit the waiver or refund of all or a portion of City fees for the Project; and WHEREAS, the Developer and the Administration are exploring applicable fee reductions or waivers that may require later administrative or legislative approval, including without limitation, reductions or waivers of concurrency, mobility, sustainability and other fees applicable to construction projects in the City; and WHEREAS, the Developer has agreed to cap its developer fee at a cost to the Developer of approximately $600,000 and, in exchange, the City has agreed to fund a deficit in permitting costs of up to $532,451; and WHEREAS, in order to curate an appropriate street-level activation compatible with the Collins Park Cultural District, the City Commission also incorporated the Finance and Economic Resiliency Committee's recommendation to utilize surplus Project revenues generated by the residential housing component in order to subsidize the City's rental costs associated with the First Floor Sublease; WHEREAS, pursuant to the terms of the Ground Lease, the City provided timely notice of intent to invoke its option to lease back the 2,248 square foot ground floor retail space (the "Premises") and the parties have negotiated the First Floor Sublease, providing, among other provisions, the following terms and conditions: • The Initial Term is five (5) years, with seven (7) Renewal Terms of five (5) years each, exercised at the City's option; and 4 • Annual Rent is $26.00 per square foot, as provided for in the Ground Lease, with three months free rent in Lease Year 1 and two percent (2%) annual escalations thereafter; and • In the event the City Commission does not appropriate sufficient funding for the rental payments, the City may terminate the Ground Floor Sublease on 90 days' notice; and • The City may use the space for uses specific to City business or enter into a lease agreement or management agreement with Eligible Subtenants that are 501(c)(3) not-for-profit and tax-exempt entities, preferably with a cultural or performing arts purpose, and subject to Landlord's reasonable consent; and • Landlord will provide and bear the cost of all utilities (e.g., water and sewer service and garbage collection)except for electricity, telephone, cable, and intemet, which are the responsibility of the City (or the City's subtenant); and • Landlord shall bear costs and expenses for all repair, maintenance, and replacement of the building (including the Premises) including, without limitation, all HVAC, plumbing, electrical, glass, security, and structural components and systems and all appliances, fixtures, and other appurtenances contained in or serving the Premises except as may be damaged by an act or omission of gross negligence or willful misconduct by Tenant or any Eligible Subtenants; and WHEREAS, in furtherance of the Project's public purpose, which provides significant community benefits and promotes the City's stated strategic goals, the Administration recommends that the Mayor and City Commission authorize the execution of an Amended and Restated Ground Lease for the Collins Park Artist Workforce Housing Project and a First Floor Sublease with the City as Sublessee; and WHEREAS, given the prioritization of workforce and affordable housing in the City's 2040 Comprehensive Plan and the City's 2019 Strategic Plan: Through the Lens of Resilience, which includes the explicit objective of elevating the Collins Park Cultural District, the City Commission desires to ensure the success of the Project, the City's first workforce housing development project, including activating the ground floor with cultural arts programming. NOW, THEREFORE, BE IT DULY RESOLVED BY THE MAYOR AND CITY COMMISSION OF THE CITY OF MIAMI BEACH, FLORIDA, that, (1)the City, as lessor, is hereby authorized to enter into the Amended and Restated Ground Lease with CFC- MB I, LLC, an Arizona limited liability company, for the Collins Park Artist Workforce Housing Project(the"Project"), said Agreement modifying, on a limited basis,the required mix of income-eligible tenants of the workforce housing units at the Project, provided that all of the workforce housing units for the Project shall be rented solely to eligible individuals with households earning 120% or less of the area median income for Miami- Dade County, consistent with all applicable requirements relating to workforce housing as provided in Chapter 58 of the City Code; (2) the City, as sublessee, is hereby authorized to enter into the First Floor Sublease with CFC-MB I, LLC for the first floor of the Project; and (3) the Mayor and City Clerk are hereby authorized to execute the final negotiated agreements. 5 PASSED and ADOPTED THIS 073 day of Feb.-(4124.7 2022. ATTEST: /"-X/ / ( FEB t 4 2022 RAFAEL E. GRANADO, CITY CLERK DAN GELBER, MAYOR r C� 9 APPROVED AS TO �; ,z �' FORM & LANGUAGE & FOR EXECUTION City Attorney 7" Dote 6 Resolutions - R7 A MIAMI BEACH COMMISSION MEMORANDUM TO: Honorable Mayor and Members of the City Commission FROM: Alina T. Hudak, City Manager DATE: February 23, 2022 4:02 p.m. Public Hearing SUBJECT:A RESOLUTION OF THE MAYOR AND CITY COMMISSION OF THE CITY OF MIAMI BEACH, FLORIDA, FOLLOWING A DULYADVERTISED PUBLIC HEARING, APPROVING THE AMENDED AND RESTATED GROUND LEASE AGREEMENT (THE "GROUND LEASE") BETWEEN THE CITY OF MIAMI BEACH AND CFC-MB I, LLC, AN ARIZONA LIMITED LIABILITY COMPANY, FOR THE COLLINS PARK ARTIST WORKFORCE HOUSING PROJECT (THE "PROJECT"), SAID GROUND LEASE MODIFYING, ON A LIMITED BASIS, THE REQUIRED MIX OF INCOME-ELIGIBLE TENANTS OF THE WORKFORCE HOUSING UNITS AT THE COLLINS PARK ARTIST WORKFORCE HOUSING PROJECT, PROVIDED THAT ALL OF THE WORKFORCE HOUSING UNITS FOR THE PROJECT SHALL BE RENTED SOLELY TO ELIGIBLE INDIVIDUALS WITH HOUSEHOLDS EARNING 120% OR LESS OF THE AREA MEDIAN INCOME FOR MIAMI-DADE COUNTY, CONSISTENT WITH ALL APPLICABLE REQUIREMENTS RELATING TO WORKFORCE HOUSING AS PROVIDED IN CHAPTER 58 OF THE CITY CODE; APPROVING THE LEASE AGREEMENT (THE "FIRST FLOOR SUBLEASE") BETWEEN CFC-MB I, LLC (SUBLESSOR) AND THE CITY OF MIAMI BEACH (SUBLESSEE) FOR THE FIRST FLOOR RETAIL SPACE WITHIN THE PROJECT; AND FURTHER, AUTHORIZING THE MAYOR AND CITY CLERK TO EXECUTE THE FINAL NEGOTIATED AGREEMENTS. RECOMMENDATION Approval of the resolution authorizing an Amended and Restated Ground Lease Agreement (the "Ground Lease") for the Collins Park Artist Workforce Housing Project and the First Floor Sublease with the City as Sublessee. BACKGROUND/HISTORY The City is the owner of the property located at 224 23rd Street, within the Collins Park Cultural District (the "Property"), the current site of a 21-space public parking lot. Pursuant to an awarded competitive solicitation process, the City intends to redevelop the Property as a mixed-use residential workforce housing development that prioritizes housing for income-eligible artists, Page 35 of 272 educators, and other members of the Miami Beach workforce (the "Collins Park Artist Workforce Housing Project' or"Project"). On September 14, 2016, the Mayor and City Commission adopted Resolution No. 2016- 29547, selecting The Concourse Group to identify public-private partnership ("P3") opportunities to alleviate the cost, and other burdens, on the City associated with the development of workforce housing projects on City-owned property. On January 18, 2019, the City issued Invitation to Negotiate (ITN) 2019-099-KB, with a workforce housing development requirement, focused on attracting artists and area educators to the City and encouraging proposers to incorporate dormitory space for the Miami City Ballet, Inc. (the "Ballet") in the Project. The Ballet, South Florida's premier classical ballet company, is a not-for-profit charitable cultural organization, headquartered in close vicinity of the Property, at 2200 Liberty Avenue. On July 17, 2019, the Mayor and City Commission adopted Resolution No. 2019-30908, authorizing simultaneous negotiations with both ITN proposers, Atlantic Pacific Communities, LLC and Servitas, LLC. Following the withdrawal from negotiations of Atlantic Pacific Communities, LLC, the City Commission directed negotiation with the sole remaining proposer, Servitas, LLC ("Servitas" or"Developer"). On September 23, 2020, the Finance and Economic Resilience Committee (the "FERC") reviewed the proposed terms negotiated between the Developer and the City Administration, and unanimously recommended that the City proceed with the Project. On October 18, 2020, the Mayor and City Commission adopted Resolution No, 2020-31435, accepting the FERC's recommendation, approving the Project term sheet, directing negotiation of a Development Agreement and Ground Lease, and referring the Project for review by the Planning Board. On November 17, 2020, the Planning Board unanimously passed Resolution PB20-0407, transmitting the proposed Development Agreement and Ground Lease to the City Commission with a favorable recommendation, in accordance with the requirements of Section 1.03(b)(4) of the City Charter and the Citys Land Development Regulations. On January 13, 2021, the Mayor and City Commission adopted Resolution No. 2021-31553, approving, following second reading/public hearing, the Development Agreement with the Developer; Resolution No. 2021-31554, approving the Ground Lease for the Project; and Resolution No. 2021-31555, approving a waiver of the minimum and average unit size requirements for up to ten (10) studio units in the Project and of the City Code's parking requirements with respect to the Project. (Note: ultimately no units were designed below the minimum and average unit size requirement.) ANALYSIS Project Update Following the City Commission's final approval of the Development Agreement and Ground Lease in Page 36 of 272 January 2021, the parties executed the Development Agreement. On June 6, 2021, the Historic Preservation Board ("HPB") unanimously approved a Certificate of Appropriateness for the Project's design. Following issuance of the HPB development order, in September 2021, Servitas submitted plans for a building pemit application to the Building Department. The City and Developer are nearing completion of the permit review and comment process and anticipate that the building permit will be issued soon. Assuming timely issuance of a Building Department permit, Servitas anticipates that financial dosing for the Project will occur approximately four to five weeks after receiving approval by the City Commission of the proposed Amended and Restated Ground Lease, described further below. The Project's financial closing is a critical juncture as it serves to confirm completion of several milestones including building permit issuance, delivery of all loan documents necessary for bond issuance to fund Project construction, execution of the Ground Lease, execution of First Floor Sublease and the Ballet's lease for the dormitory space, execution of the guaranteed ,maximum price (GMP)agreement with the general contractor for the Project, and delivery of physical possession of the Property. The Developer anticipates breaking ground approximately 7-10 business days following financial closing. Economic Climate and Construction Costs Post-pandemic economic conditions have borne witness to vigorous development activity throughout the country and significant increases in overall construction costs. The construction industry is facing historic price escalation in materials, supply chain disruption, delayed delivery and logistical concerns, a shortage of available labor, and increase in labor costs. According to the most recent Construction Inflation Alert published in September 2021 by the Associated General Contractors of America (AGC), "The construction industry is in the midst of a period of exceptionally steep and fast- rising costs for a variety of materials, compounded by major supply-chain disruptions. Owners need to recognize that significant adjustments are probably appropriate regarding the price or delivery date of projects that were awarded or commenced early in the pandemic...when conditions at suppliers were far different." Upon review of the AGC's data on historical and recent changes in producer price indexes for construction materials, building types and subcontractor segments, it comes as no surprise that the Project's economic viability has been adversely impacted by recent industry and economic trends. Although final construction pricing is not yet complete, recent overall pricing estimates of materials and hard costs by the Project's general contractor are 53% higher than anticipated when financial projections were presented to the City Commission at the time of Ground Lease approval in January 2021. See Exhibit A(Revised Proforma dated February 16, 2022). December 2020 February 2022 Percent Change Proforma Proforma Project Hard Costs. $15,094,400 $23,094,965 +53% Estimated Bond Issuance $27,454,260 $37,354,127 +36% Value Engineering Measures and Subordinated Debt Proposal To help address the increase in construction costs, Servitas has taken a two-pronged approach. First, Semites has worked with the contractor to identify cost savings via appropriate value engineering measures and has successfully reduced the hard cost estimate by over $1,000,000. Second, Servitas has proposed to create a subordinated debt tranche, to be issued at the time of Page 37 of 272 initial bond issuance and repaid after payment of the senior debt each period. This repayment structure will allow the Project to yield positive cash flow and maintain the requisite debt service coverage ratio (DSCR) of 1.2. The DSCR is the metric that lenders use to gauge the ability of a borrower to extinguish debt and essentially consists of the ratio of a borrower's net revenue to total debt service. Tenant Income Eligibility and Unit Mix Adjustment Per the terms of the Development Agreement and Ground Lease, the Developer's business decision to issue additional, subordinated debt does not require City Commission approval. However, supplemental debt financing and value engineering alone cannot compensate entirely for the adverse impact increased development costs has had on the economic viability of the Project. To help close the gap, Servitas and the Administration are proposing an adjustment to the required leasing rate and tenant income eligibility structure for the Property. As approved in City Commission Resolution Nos. 2021-31553 and 2021-31554, the Development Agreement and the Ground Lease currently require the Project to maintain an even split among the 80 housing rental units, with 50% (40 units) to be provided at rates applicable to eligible tenants earning 120% or less of the area median income (AMI)[I] for Miami-Dade County, and 50% (40 units) provided for eligible tenants earning 80% or less AMI. Servitas now requests that the Ground Lease be amended and restated to provide for 100% (80 units) at 120% AMI, representing an increase of 40 units devoted to the higher AMI category. The adjustment to the tenant income-eligibility and unit mix contemplated in the proposed Mended and Restated Ground Lease would maintain the workforce housing character of the Project as required in ITN 2019-099-KB and consistent with applicable requirements relating to workforce housing as provided in Chapter 58 of the City Code. The income eligibility rate adjustment would also provide annual cash flows sufficient to ensure the economic viability of the Project. Despite the proposed adjustment to the nix of income-eligible tenants, the monthly rent for all the workforce housing units would not exceed 30% of the applicable AMI, as provided in the approved Development Agreement and the Ground Lease. The proposed Amended and Restated Ground Lease stipulates that as the annual budget for the Project is developed each year, the City and CFC-MB I, LLC (the "Lessee")will, if possible, modify the unit mix by reallocating units from 120% or less AMI to 100% or less AMI and/or 80% or less AMI to approach the unit nix that was originally contemplated when the Ground Lease was approved in January 2021. The reallocation of units will take into account the Project's economics when the Annual Budged is developed, including consideration of the Project's ability to repay the senior and subordinated bonds, cover all operating expenses, and pay ground lease rent to the City while maintaining the DSCR of the bond documents. According to Servitas, if approved, the adjusted rental rates would not affect occupancy levels and would remain attractive to potential renters, when compared with average rental rates in the immediate market area. Servitas also believes that the resulting cash flow will more quickly reduce the proposed subordinate debt tranche and sustain the anticipated cash flow inuring to the City(and the Ballet, as approved by the City Commission in January 2021). Because the City Commission approved the Ground Lease, whose terms stipulated the 50/50 rental mix, it is necessary for the City Commission to approve the proposed change and other minor revisions of the Ground Lease. Contribution to the Project Page 38 of 272 Despite the prioritization of workforce housing by Miami-Dade County and the City and enactment of incentives in the City Code, for several reasons, market conditions do not encourage workforce housing development in'Miami Beach. Some of the underlying reasons for this indude the high costs associated with permitting, construction, and South Florida real estate, united profit margins on account of restricted rental revenues tied to AMI, and the inability of legislative efforts to make projects financially attractive. Therefore, it is imperative to promote policies that lower development costs in order to achieve the public need for housing. The unit nix adjustment and resulting increase to revenue coupled with the amount of subordinated debt that can be assumed by the Project without jeopardizing the Project's ability to maintain the required DSCR, does not entirely cover the financing deficit faced by the Project. In recognition of the high development costs for non-market rate housing projects, the Development Agreement and Ground Lease explicitly state that the Developer shall not be obligated to pay any City fees for the Project that can currently be waived under the City Code and the City may, in its sole and absolute discretion, adopt amendments to the City Code that permit the waiver or refund of all or part of City fees for the Project. As a result of increasing construction costs and fluctuating interest rates in the bond market, the Developer and the Administration have exercised flexibility in order to promote the financial viability of the Project. Both parties have been agile and diligent in identifying cost savings and exploring multiple avenues for relevant and applicable fee reductions or waivers as may require current or future administrative or legislative approval including, but not limited to, reductions or waivers of concurrency, mobility, sustainability and other fees applicable to construction projects in the City. The Project will already benefit from incentives for workforce housing currently existing in the City Code (e.g., related to parking requirements, mobility fee reductions, and waiver of employment training fees).As partners in this endeavor to promote workforce housing development and to ensure Project feasibility, the Developer has agreed to cap its developement fee which results in a significant reduction to what they would be entitled to under the existing agreement, and, in exchange, the City has agreed to fund a shortfall in permitting costs of up to$532,451 prior to Certificate of Occupancy of the building in a future fiscal year, if additional workforce housing fee waivers are not identified. Principal Purpose of Amended and Restated Ground Lease The principal purpose of the Mended and Restated Ground Lease is to allow for the change to the rental unit nix described above. The document also revises the approved Ground Lease by adding an exhibit reflecting the procedures to be followed each year to ensure compliance with workforce housing and unit nix requirements, as the same may be modified from time to time. Further, as detailed in the preceding section, the Amended and Restated Ground Lease provides for the addition of the City Contribution. Although it will increase the City's financial responsibility above what was originally approved, the Project is in jeopardy without this commitment by the City.And if the Project does not move forward, the Development Agreement requires that the City reimburse the Developer for its pre-development costs in the amount of up to $800,000, which would be a higher cost to the City without yielding a single unit of workforce housing, dormitory housing or first floor space for cultural activation. See Exhibit B (Amended and Restated Ground Lease). First Floor Sublease As approved by the City Commission on January 13, 2021, the Ground Lease provides the City with the option to enter into a master sublease for the ground floor leasable space (the "First Floor Page 39 of 272 Sublease"), subject to City payment of ground floor rent, for the City to curate an appropriate street- level activation compatible with the Collins Park Ms and Culture District. In recognition of the potential for neighborhood placemaking, the FERC recommended in favor of the Ground Lease and suggested that the City retain the ability, at its option, to program the ground floor space. Upon approving the Ground Lease, the City Commission accepted the FERC's endorsement and incorporated another recommendation to utilize any surplus Project revenues generated by the housing component in order to subsidize the City's costs in renting the first floor space. Based on the identified next steps, and pursuant to the Development Agreement's October 1, 2021 deadline for the City to provide notice of intent to invoke its option to lease back the ground floor retail space, the City provided Servitas with timely notice and the parties undertook negotiations for the First Floor Sublease. See Exhibit C (First Floor Sublease). Key Terms—First Floor Sublease CFC-MB I, LLC, an Arizona limited liability company, a Sublessor/ wholly owned affiliate of Community Finance, Corporation, Landlord an Arizona not-for-profit corporation, the same entity as the Ground Lease Lessee. Sublessee I Tenant City of Miami Beach 2,248 sq. ft. of ground floor retail space fronting on 23rd Premises Street, to be delivered by Landlord as a baseline shell with minimal building systems. Initial Term Five(5)years Seven (7) renewal periods of five (5)years each, exercised Renewal Terms at the City's option. $26 per square foot annually per the Ground Lease, or Rent $62,634 annually / $5,219 monthly, with three (3) months free rent in Lease Year 1, and 2% annual escalations thereafter. In the event the City Commission does not appropriate City Termination sufficient funding for the rental payments, City may teminate on 90 days'notice. Uses specific to City business or subleased/managed by- not-for-profit/tax-exempt entities existing and operating Eligible Subtenants under 501(c)(3), preferably with a cultural or performing /Uses arts purpose and subject to Landlord's consent, which shall not be unreasonably withheld. Landlord will provide and bear the cost of all utilities (e.g., water and sewer service and garbage collection) except for Utilities electricity, telephone, cable, and intemet, which are the City's responsibility. Landlord will provide and bear costs for maintenance and janitorial service for common areas and janitorial service to Janitorial and the Premises consistent with the same level of janitorial Services services provided for commercial office space. The Page 40 of 272 Landlord also provides Services including trash removal, landscaping, pest control, and building security. Landlord shall bear costs and expenses for all repair, maintenance, and replacement of the Building (including the Premises) including, without limitation, all HVAC, plumbing, electrical, glass, security, and structural Repairs and components and systems and all appliances, fixtures, and Maintenance other appurtenances contained in or serving the Premises as may be damaged by an act or omission of gross negligence or willful misconduct by Tenant or any Eligible Subtenants. The Ground Lease specifies that, throughout the entire term of the Ground Lease, the City shall receive, as rent under the Ground Lease, 100%of the net revenues of the workforce housing project, after payment of all operating expenses, debt service, and reserve requirements (the "Net Available Cash Flow"). With original approval of the Ground Lease via Resolution No. 2021-31554, the City Commission directed that all Net Available Cash Flow, if any, shall be distributed each year as follows:first, to reimburse the City for all Project Costs; second, to the Ballet, as a grant from the City to offset the Ballet's annual rental charges for its use of the dormitory housing; and third, if the Ballet's annual rental obligation has been fully reimbursed, to cover any rental obligations of the City in connection with the First Floor Sublease. In addition to an annual rental payment by the City as master sublessee, the buildout of the first floor leased Premises will entail additional costs for tenant improvements in order to sublease the space to a chosen cultural arts tenant. The Development Agreement requires Servitas to deliver the Premises as a baseline shell, with specified requirements for a minimum number of base systems and finishing. The City will encounter additional costs related to the buildout, preparation, and continued operation of the Premises for its intended use (such as a nonprofit cultural arts partner, to be determined by the City Commission)and it is conceivable that the future tenant may not contribute significant funding to the tenant improvements or to offset rental costs. [1] The term"AM I" refers to the household income for the median, or middle, household in a region as detemvned by the U.S. Department of Housing and Urban Development (HUD) on an annual basis. SUPPORTING SURVEY DATA The Concourse Group study (2016), an exhibit to the Invitation to Negotiate for the Project, noted that 53% of Miami-Dade County residents are cost-burdened when it comes to housing and most spend greater than 30% of income on rent. The Mayor and City Commission have identified the need for workforce and affordable housing in the City as a key objective in the City's 2019 Strategic Plan Through the Lens of Resilience with a management objective to "support affordable, compatible workforce housing through public and private partners for key industries, including the use of development incentives." In addition, in the City's 2019 Strategic Plan, the City has committed to support, develop, coordinate, and promote performance, visual, and other cultural arts within the City, including elevating the Collins Park Cultural District, where the proposed project is to be located. The CiWs 2040 Comprehensive Plan prioritizes workforce housing, with the express goal Page 41 of 272 "to encourage redevelopment that provides workforce and affordable housing" within the City. FINANCIAL INFORMATION Notwithstanding all costs related to the Sublease and future programming of the first floor retail space, the City remains a limited financial contributor to the development of the Project, with certain Project costs advanced or funded by the City to be reimbursed to the City either at Financial Closing, or from the Project's net revenues, prior to any distribution of-net revenues to any other party. The strategy presented in the proposed Amended and Restated Ground Lease would preserve the viability of the Project and ensure that the rental housing revenues will generate surplus revenue (after payment of all operating expenses, maintenance reserves, and debt service reserves) for the benefit of the City. Contingent upon the scale and scope of the City Commission's preferences and direction regarding cultural arts programming of the first floor, there will be costs associated with the buildout and preparation for occupancy of the leased premises. CONCLUSION The Administration recognizes that the inflationary pressures, which have increased Project construction costs, have resulted through no fault of the Developer. To fill the large gap in construction financing and in order to ensure a stable financial model upon construction completion, Servitas and the Administration have negotiated a measured strategy that provides for adding a limited amount of subordinated debt and an adjustment to the Project's tenant income eligibility and unit mix consistent with all applicable requirements for workforce housing within the City Code. Upon completion of development of the Project, the City's option to lease the ground floor retail space will enable the City Commission to further shape the Collins Park Cultural District campus with a tenant and uses of their choosing. The Administration therefore recommends that the Mayor and City Commission approve the resolution authorizing an Amended and Restated Ground Lease for the Collins Park Artist Workforce Housing Project, authorizing the Administration to execute a First Floor Sublease with the City as Sublessee. Applicable Area South Beach Is this a"Residents Right Does this item utilize G.O. ' to Know" item. pursuant to Bond Funds? City Code Section 2-14? Yes No Strategic Connection Mobility-Support affordable, compatible workforce housing. Legislative Tracking Economic Development ATTACHMENTS: Description o Exhibit A: Proforrma dated 2-16-2022 Page 42 of 272 ❑ Exhibit B-Amended and Restated Ground Lease ❑ Exhibit C - First Floor Sublease ❑ Resolution Page 43 of 272 jjr • EV m 1IIIItI1uIII : !; Opm NC m J =4a n awm_ n cmmryw = m T g, U 0 Ta 0 ? aga OH' /.y b� m Bumoo' TEz. on aV I 0 3 a!mm�Xx$mr wa 3 mBa4 a 6 c ? 3F; 3 � od moa g IT 3 tm -c O lit r " 2 9 cnn a gaag 8 28N900o� m++ wwe y R 4. n4mm'�R' 7' S 3 T n3i maccwao Q x + aG2g g as-egg xxx`ase.nxxaaxxs gv . . N 8$��000$ rw.m" OIN 7OC la R ii 6 N Y O fqqJ r m N oq�y�� + �p O m N a N a T y Co O �{m V YP OOgN mV OQ(T yO�y�pD,p+OU p �6 U npy� p[ T '" O p yp ,Q,Q pp N N lJ N Q N w IJ fJ N pl 10 C a w O N fJ TW w foil N ' . Q${+ QQ�� 'N V N qq S ® % V W V O O i S m O 0 i 1�O O UN N w N O w N 0 S t� 10 Id b N m N w 0 a6 § mA m OTo vw y s p (yN p� € g {ryaN( r _... 11 n 2ON N2 E_+w ++8,wq wNJp1mJO1yJ ? 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N :r .o m m m ". i ,;Iijt1! ;'hu! i @P e tg i ih � , IiIiii IVKl g �p" ° n� fi Ajj J68d JJ ! 4 zga1 l j� &g p $ 4n,a G8a8 7e,m z" r. 122S , GROUND LEASE AGREEMENT between CITY OF MIAMI BEACH as Lessor and CFC-MB I,LLC as Lessee DATED AS OF ,2022 Page 48 of 272 TABLE OF CONTENTS Page Section 1. Definitions 2 Section 2. Term 10 Section 3. Rent 11 Section 4. Financing of the Project Error! Bookmark not defined. Section 5. Taxes and Assessments 12 Section 6. Utility Services 12 Section 7. Payments for the Lessee by the Lessor 13 Section 8. Compliance by the Lessee with Laws and Ordinances 13 Section 9. Quiet Enjoyment; Environmental Warranty 13 Section 10. Construction of Improvements 14 Section 11. Operation of the Project 20 Section 12. Security Interest 24 Section 13. Assignment of Lease 26 Section 14. Maintenance of Property 26 Section 15. Annual Budget Error! Bookmark not defined. Section 16. Indemnification Agreement 28 Section 17. Insurance 29 Section 18. Police Services 31 Section 19. Damage and Destruction 31 Section 20. Condemnation 33 Section 21. Estoppel Certificates 34 Section 22. Access to Premises 35 Section 23. Property Subject to Zoning 35 Section 24. Events of Default and Remedies 35 Section 25. Expiration or Termination 37 Section 26. Mortgaging of the Leasehold 38 Section 27. Option to Purchase 43 Section 28. Notices 44 Section 29. Submission of Matters to the Lessor for Approval 45 Section 30. Holding Over by the Lessee 46 Section 31. Environmental Matters 46 Section 32. Property Condition 46 Section 33. Leasehold Condominium 47 Section 34. Release of Portions of the Property 47 Section 35. Miscellaneous 48 Section 36. Books and Records; Audit Rights 51 EXHIBIT A LEGAL DESCRIPTION OF THE PROPERTY EXHIBIT B CITY DEVELOPMENT AGREEMENT EXHIBIT C DEVELOPER ASSIGNMENT EXHIBIT D TENANT CERTIFICATION PROCEDURES Page 49 of 272 GROUND LEASE AGREEMENT This GROUND LEASE AGREEMENT(this "Ground Lease"),made and entered into as of the day of 202_, is between CITY OF MIAMI BEACH, a Florida municipal corporation(the "Lessor"), and CFC- MB I, LLC (the "Lessee"), a single—member limited liability company organized and existing under the laws of the State of Arizona and wholly-owned affiliate of Community Finance Corporation, a not-for-profit corporation of the State of Arizona. WITNESSETH: WHEREAS, the Lessor is the owner of certain property (the "Property') owned by the Lessor as more particularly described in Exhibit "A" attached hereto, incorporated in and by reference made a part hereof; and WHEREAS, the Lessor and the Lessee(each a"Party," and together the "Partied')desire for the Lessee to develop,acquire,construct,furnish,equip, and operate a mixed use development with residential workforce housing, dormitory-style housing, and cultural or retail uses on the Property,along with associated site development and various related amenities and improvements on the Property(the "Project'); and WHEREAS, the Lessor desires to lease the Property to the Lessee for the purpose of developing, constructing, and operating the Project for the use and benefit of local workforce and the students and other persons participating in dance education and other cultural program offerings of the Miami City Ballet, Inc., South Florida's premier classical ballet company; and WHEREAS,the Miami Dade County Industrial Development Authority(the "Issuer")has determined to issue its Industrial Development Revenue Bonds (CFC—MB I, LLC- Collins Park Housing Project), Series 2022A (the "Series 2022A Bonds") and its Industrial Development Revenue Bonds, (CFC—MB I, LLC-Collins Park Housing Project), Series 2022B (Taxable) (the "Series 2022B Bonds"), and its Industrial Development Revenue Bonds (CFC-MB I, LLC Housing Project),Series 2022C(Subordinate)(the"Series 2022C Bonds") together with the Series 2022A and 2022B Bonds, the "Series 2022 Bonds") under and pursuant to the terms of a Trust Indenture (the "Indenture") dated as of I ] 1, 2022 between the Issuer and Zions Bancorporation,National Association, as Trustee (the "Trustee") and to lend the proceeds of the Series 2021 Bonds to the Lessee for the purpose of financing the costs of acquiring, constructing, furnishing,and equipping the Project under and pursuant to the terms of a Loan Agreement of even date herewith between the Issuer and the Lessee;and NOW,THEREFORE, in consideration of the premises,the rental to be paid hereunder,the mutual covenants and agreements herein set forth by each Party to be kept and performed,and for other good and valuable consideration,the receipt,adequacy, and sufficiency of which are hereby expressly acknowledged by each Party, the Parties do hereby mutually covenant and agree as follows: The Lessor does hereby let the Property unto the Lessee, subject only to Permitted Encumbrances (as defined herein),and the Lessee does hereby take and hire the Property from the Lessor, subject to Permitted Encumbrances. Page 50 of 272 TOGETHER WITH all appurtenances, rights, privileges, and easements benefiting, belonging, or pertaining thereto, and together with the buildings, structures, and improvements erected or to be erected thereon. TO HAVE AND TO HOLD the Property for the term set forth herein unless this Ground Lease shall be sooner terminated as hereinafter provided. This Ground Lease and all rights of the Parties hereunder are expressly subject to the provisions as hereinafter set forth, all of which the Parties respectively agree to keep, abide by, and perform during the Term. Section 1. Definitions. The following terms as used in this Ground Lease Agreement, shall have the following meanings,unless the context indicates otherwise: "Additional Bonds" means any additional notes, bonds, or other instruments issued and secured under the Indenture,other than the Series 2022 Bonds. "Annual Budget" has the meaning given in the Loan Agreement. "Annual Period" means the twelve (12) month period commencing on January 1 of each calendar year and ending on December 31 of such calendar year. "Architect" shall have the meaning ascribed to it in the City Development Agreement. "Architects Agreement' means that certain Agreement for Design Services dated , 2022, between the Developer, as owner, and the Architect, as architect, pursuant to which the Architect has agreed to provide certain architectural and engineering services in connection with the construction of the Project, and any amendments thereof and/or supplements thereto. "AMP' means the area median income for Miami-Dade County established from time to time by the U.S. Department of Housing and Urban Development. "Artists" shall mean any person earning 120% or less of the then-applicable area median income (AMI) for Miami-Dade County (as such AMI is determined from time to time in accordance with Chapter 58 of the City Code), and who is either (1) actively involved in the practice of creative arts, including,without limitation, in the area of music, dance, drama or other performing arts; creative writing; painting, sculpture, photography, or other fine arts; graphic arts/web design; craft arts; industrial design; costume design; fashion design; and film, television, radio and/or print production; or (2) an employee of a non-profit or governmentally owned museum or other cultural organization works with, displays, or promotes the creative arts "Area Educators" means any person earning 120% or less of the then-applicable area median income(AMI) for Miami-Dade County (as such AMI is determined from time to time in accordance with Chapter 58 of the City Code), who is employed as a teacher or teacher's aide at any public or private school within the City of Miami Beach (including, without limitation, any teacher or teacher's aide employed within the City of Miami Beach in any day care/early childhood education program), on a full-time or part-time basis. 2 Page 51 of 272 "Asset Management Agreement" means (i) the Initial Asset Management Agreement and (ii) any management or similar agreement between the Lessee and any successor Asset Manager to be responsible for the management and operation of the Premises, as the same may be amended and/or supplemented from time to time in accordance with the provisions hereof, thereof, and of the Indenture, and subject to the consent of the Lessor, in accordance with Section 11 of this Ground Lease. "Asset Manager" means, initially, Servitas Management Group, LLC, a limited liability company organized under the laws of the State, and thereafter, any other approved management company employed by the Lessee to manage the Project,subject to the consent of the City Manager in accordance with Section 11 of this Ground Lease. "Assigned Agreements" means, collectively, the Construction Agreements, Occupancy Agreements and the Asset Management Agreement. "Assignment of Contracts and Agreements" means the Assignment of Contracts and Agreements of even date herewith by the Lessee in favor of the Trustee, as the same may be amended and/or supplemented from time to time as permitted by the Indenture. "Building Equipment" means all installations incorporated in, located at or attached to and used or usable in the operation of, or in connection with, the Premises and shall include, but shall not be limited to, machinery, apparatus, devices, motors, engines, dynamos, compressors, pumps, boilers and burners, heating, lighting, plumbing, ventilating, air cooling and air conditioning equipment; chutes, ducts, pipes, tanks, fittings, conduits and wiring; incinerating equipment; elevators and hoists; washroom, toilet and lavatory plumbing equipment; window washing hoists and equipment; and all additions or replacements thereof, excluding,however,any personal property which is owned by subtenants, licensees, concessionaires or contractors of the Lessee, or any personal property of the Lessee that has not been purchased with any of Bond proceeds or Revenues of the Project. "Bond Documents" has the meaning given in the Loan Agreement. "Bonds" means, collectively,the Series 2022 Bonds and any Additional Bonds. "Borrower" means the Lessee. "Borrower Documents"has the meaning given in the Loan Agreement. "Business Day"means any day other than a Saturday,a Sunday,or a day on which banking institutions in the State are authorized or obligated by law to close. "City" means the City of Miami Beach, Florida. "City Development Agreement"means that certain Development Agreement between the City of Miami Beach and the Developer and joined to by Lessee, dated ,20_, governing the development of the Project, recorded in Official Records Book , Page_of the Public Records of Miami-Dade County, Florida, a copy of which is attached hereto as Exhibit "B" and incorporated by reference herein. 3 Page 52 of 272 "City Manager"means the chief administrative officer of the Lessor. "Code" means the Internal Revenue Code of 1986, as amended. "Commencement Date" means I 1, 2022. "Construction Documents," means the City Development Agreement, the Development Agreement between Servitas and Lessee, the General Construction Contract, Architect's Agreement, and the other contracts, if any, relating to the construction thereof between the Developer, the General Contractor, the Architect, or the Borrower and construction professionals or suppliers of materials and Equipment. "Consumer Price Index" means the Consumer Price Index For All Urban Consumers (CPI-U);U.S.City average(1982-84=100),published by the Bureau of Labor Statistics of the U.S. Department of Labor. "Corporation" means Community Finance Corporation, a non-profit corporation duly organized and existing under the laws of the State of Arizona, and its successors and assigns. "County" means Miami-Dade County, Florida. "Debt Service Reserve Fund" has the meaning given in the Loan Agreement. "Default Rate" means the lower of(a) a rate of interest equal to five percent (5%) per annum above the highest annual prime rate(or base rate)published from time to time in The Wall Street Journal under the heading "Money Rates" or any successor index representing the rate in effect for corporate loans at large U.S. money center commercial banks (whether or not such rate has actually been charged by any such banks)or if such rate is no longer published,then the highest annual rate charged from time to time at a large U.S. money center commercial bank, selected by the City, on short term, unsecured loans to its most creditworthy large corporate borrowers or(b) the highest rate permitted by applicable law. "Developer" means Servitas, LLC, a limited liability company organized and existing under the laws of Texas, which is registered and authorized to do business in the State, and its permitted successors and assigns. "Developer Assignment" has the meaning given in the Loan Agreement. A copy of the Developer Assignment is attached hereto as Exhibit"C". "Development Agreement"means that certain agreement by and between the Lessee and Developer for the design and construction of the Improvements. "Dormitory Housing" means up to thirty-two (32) beds of dormitory-style housing (utilizing an entire floor or a portion of two floors) for Miami City Ballet dancers, students and other program participants,and MCB personnel only,as such term may be further described in the City Development Agreement. 4 Page 53 of 272 "Eligible Residents" (or individually, an "Eligible Resident") means, for the Workforce Housing Units, eligible individuals earning 120% or less of the AMI (or as defined by the then applicable ordinance governing workforce housing), consistent with all applicable requirements relating to workforce housing as provided in Chapter 58 of the City CodeThe following acceptance priorities shall be applied to otherwise income eligible individuals: (i)Artists practicing in Miami- Dade County;City of Miami Beach employees,including,without limitation,City of Miami Beach law enforcement personnel and firefighters; Area Educators and nurses employed within the City of Miami Beach; and veterans who are either employed within the City of Miami Beach or whose last place of residence was within the City of Miami Beach (collectively, "Tier 1"); (ii) workers employed within the City of Miami Beach in the hospitality and entertainment industries ("Tier 2"); and (iii) workers employed within Miami-Dade County, with priority for workers employed within the City of Miami Beach ("Tier 3"). For purposes of the Dormitory Housing for MCB, "Eligible Residents" shall mean persons participating in an official dance education or other program offered by the MCB, as well as the MCB on-premises dormitory staff without regard to AMI. "Environmental Reports"means the following reports provided by the City to Lessor and Developer: Phase 1 Environmental Site Assessment Report by Langan Engineering, dated December 21, 2012 for 340 23rd St, Miami Beach, Florida and Phase 2 Environmental Site Assessment Report by Langan Engineering, dated February 19, 2014 for 340 23rd St, Miami Beach, Florida. "Event of Default" has the meaning given in Section 24 hereof. "Equipment" means all machinery, equipment, fixtures, appliances, furniture, and any other personal property of any kind or description owned by the Lessee and incorporated within or for the exclusive benefit of the Project. "Expenses" has the meaning given in the Loan Agreement. "Fixed Charges Coverage Ratio" has the meaning given in the Loan Agreement. "GAAP"means those principles of accounting set forth in pronouncements of the Financial Accounting Standards Board and its predecessors or pronouncements of the American Institute of Certified Public Accountants or those principles of accounting that have other substantial authoritative support and are applicable in the circumstances as of the date of application, as such principles are from time to time supplemented and amended. "General Construction Contract'means the Construction Contract of even date herewith between the Developer and the General Contractor pursuant to which the General Contractor has agreed to construct the Project. "General Contractor" means Moss & Associates, LLC, a limited liability company organized and existing under the laws of the State of Florida and licensed to do business in the State, and its permitted successors and assigns. "Governmental Authorities" means those governmental offices with jurisdiction over the design and construction of the Improvements. 5 Page 54 of 272 "Governmental Requirements"means any law,enactment,statute,code,order,ordinance, rule, regulation,judgment, decree, writ, injunction, franchise, permit, certificate, license, or other similar requirement of any Governmental Authority, now existing or hereafter enacted, adopted, promulgated, entered, or issued, affecting the Premises or the construction and/or operation of the Project thereon.Notwithstanding anything to the contrary in this Ground Lease,the Lessee retains its right to challenge Governmental Requirements in accordance with all other applicable Governmental Requirements. "Ground Lease"means this Ground Lease Agreement,as the same may be amended and/or supplemented from time to time in accordance with the provisions hereof. "Improvements" means any building (including footings and foundations), Building Equipment,and other improvements and appurtenances of every kind and description now existing or hereafter erected, constructed, or placed upon the Property (whether temporary or permanent), and any and all alterations and replacements thereof, additions thereto and substitutions therefor. "Indenture" means the Trust Indenture of even date herewith between the Issuer and the Trustee, as the same may be amended and/or supplemented from time to time in accordance with the provisions thereof. "Independent Counsel" means an attorney or firm of attorneys duly admitted to practice law before the highest court of any state of the United States and not in full-time employment of the Lessee, the Lessor, or the Transferee. "Initial Asset Management Agreement"means the Asset Management Agreement of even date herewith between the Lessee and the Asset Manager, as the same may be amended and/or supplemented from time to time in accordance with the provisions thereof and of the Indenture. "Issuer" means the Miami Dade County Industrial Development Authority and its successors and assigns. "Lease Year"means each twelve(12)month period commencing on the first day of January of a calendar year and ending on the last day of December of the such calendar year;provided the first Lease Year shall commence on the Commencement Date and end on December 3I, 2023. "Leasehold Estate" shall have the meaning given in Section 2(b)hereof. "Lessee" means CFC- MB I, LLC, a single—member limited liability company organized under the laws of the State of Arizona, whose sole member is the Corporation, and its successors and assigns. "Lessor" or "City" means City of Miami Beach, a Florida municipal corporation, having its principal offices at 1700 Convention Center Drive, Miami Beach, Florida 33139, and its successors and assigns. In all respects hereunder,Lessor's obligations and performance is pursuant to Lessor's position as the owner of the Property acting in its proprietary capacity. In the event Lessor exercises its regulatory authority as a governmental body, the exercise of such regulatory authority and the enforcement of any rules, regulations, laws and ordinances (including through the exercise of the Lessor's building,fire,code enforcement,police department or otherwise)shall 6 Page 55 of 272 be deemed to have occurred pursuant to Lessor's regulatory authority as a governmental body and shall not be attributable in any manner to Lessor as a party to this Ground Lease or in any way deemed in conflict with, or a default under, the Lessor's obligations hereunder. "Lessor Representative" means the Person or Persons designated by the Lessor to serve as the Lessor's representatives in connection with the design, acquisition, construction, furnishing, equipping, and operation of the Project. The initial Lessor Representatives of the Lessor shall be the City's Office of Capital Improvements Director or his or her designee("FPCRepresentative"), with respect to construction and permitting related matters, and City's Property Management Director or his or her designee, with respect to leasing,management, and operations matters. "Loan Agreement" means the Loan Agreement of even date herewith between the Issuer and the Lessee,as the same may be amended and/or supplemented from time to time in accordance with the provisions of the Indenture. "Master MCB Sublease"means the lease between the Lessee and Miami City Ballet dated as of ( ], as the same may be amended and/or supplemented from time to time in accordance with the provisions thereof, which Master Sublease is intended to provide the Miami City Ballet with the exclusive right to use and occupy the Dormitory Housing. "Maximum Annual Debt Service" has the meaning given in the Loan Agreement. "Miami City Ballet" or "MCB" shall mean Miami City Ballet, Inc., a not-for-profit charitable cultural organization headquartered at 2200 Liberty Ave.,Miami Beach, Florida 33139. "Mortgagee Lease" means a lease of the Premises entered into between a Permitted Leasehold Mortgagee, as lessee, and the Lessor, as lessor, as a result of a termination hereof by reason of any Event of Default for the remainder of the Term effective as of the date of termination hereof, at the same Rent and upon the same terms, provisions, covenants, and agreements as contained in this Ground Lease and subject to no additional exceptions or encumbrances other than Permitted Encumbrances and to the rights, if any, of the parties then in possession (actual or constructive) of any part of the Premises. "Net Available Cash Flow,"with respect to each Lease Year,means the amount of Project • Proceeds available to be distributed to the Lessor with respect to such Lease Year in accordance with the provisions of Section 510(b)or(c)of the Indenture,which amounts are intended to be the annual surplus or net revenues of the Project, after the payment of all operating expenses and satisfaction of all debt service and maintenance reserve and other requirements, as set forth in the Indenture. "Occupancy Agreements" means, collectively, the leases, rental agreements, license agreements or other similar agreements for the use of individual residential workforce housing units within the Project. All Occupancy Agreements for the Workforce Housing Units (i) shall have initial terms of twelve(12) months and(ii) shall not be subject to sub-leasing. "Operating Account" has the meaning given in the Loan Agreement. 7 Page 56 of 272 "Opinion of Counsel' means an opinion in writing of Independent Counsel who or that is reasonably acceptable to all recipients thereof and who or that may be counsel to the Lessee, the Lessor, or the Transferee. "Outstanding Bonds" or "Bonds Outstanding" and "Outstanding" have the meaning given in the Loan Agreement to the term"Outstanding Bonds". "Permitted Leasehold Mortgage" has the meaning given in Section 26 hereof. "Permitted Leasehold Mortgagees" means, collectively, the holders of the indebtedness secured by the Permitted Leasehold Mortgages or any agent or fiduciary therefor and any designee thereof for the purpose of taking title to the Lessee's interests in this Ground Lease or entering into a Mortgagee Lease (each, a "Permitted Leasehold Mortgagee"). "Permitted Encumbrances" has the meaning given in the Loan Agreement. "Plans and Specifications" means the plans and specifications for the design, development, and construction of the Project, including fully detailed drawings showing the location,character, dimensions,details,and specifications of the work to be done, and comprising all of the written directions, provisions, and requirements for the Project, including detailed technical requirements as to labor, materials, supplies, equipment, and standards to which such work is to be performed, prepared by the Architect for the Project, in each case, consistent with the approved Project Concept Plan. As used in this Ground Lease, the "Plans and Specifications" include, without limitation, the Preliminary Plans and Specifications, the Final Plans and Specifications, the Permit Plans and Specifications, and any approved modifications thereto, as approved or deemed approved by the City Manager (or the City Manager's designee) in accordance with the provisions of Section 10(e) hereof and as amended from time to time by the Lessee with the consent of the Lessor, a copy of which is or will be on file with the Lessor. "Premises" means the Project and the Property. "Primary Leasehold Mortgage" means the leasehold mortgage which is a senior/first lien on Lessee's interest in this Ground Lease and the leasehold interest created hereby and the Project, which shall be evidenced by,and the Lessor shall be able to rely absolutely on,a title report current as of the time of any determination and prepared by a generally recognized title insurance company doing business in Miami-Dade County,Florida,or upon a certificate of Lessee,signed and verified by a duly authorized representative of the Lessee. "Primary Leasehold Mortgagee" means the Permitted Leasehold Mortgagee who is the holder of the Primary Leasehold Mortgage, initially the Trustee. "Project" means the approximately 73,000 square foot, 7-story housing facility on the Property including dormitory housing intended to be occupied by the MCB, first floor City space and associated site development and various related amenities and improvements, and all Equipment. "Property"means the land located in the City as more particularly described in Exhibit"A" attached hereto, incorporated in and by reference made a part hereof. 8 Page 57 of 272 "Refinanced Trustee Mortgage" means any amendment, modification, or replacement of the Trustee Mortgage resulting from the refinancing of the Bonds. "Renewal Term"shall have the meaning ascribed to it in Section 2(a)of this Ground Lease. "Rent" means the annual rental payable by the Lessee to the Lessor in accordance with Section 3 hereof. "Repair and Replacement Fund" has the meaning given in the Loan Agreement. "Revenues" has the meaning given in the Loan Agreement. "Schedule of Performance" means the construction schedule set forth in the Construction Contract. "Series 2022 Bond" or "Series 2022 Bonds" means any or all of the Series 2022A Bonds or the Series 2022B Bonds. "Series 2022A Bond" or "Series 2022A Bonds" means any or all of the Sr 1 Miami-Dade County Industrial Development Authority Industrial Development Revenue Bonds (CFC-MB I, LLC-Collins Park Housing Project), Series 2022A issued under the Indenture. "Series 2022B Bond" or "Series 2022B Bonds" means any or all of the $1 Miami-Dade County Industrial Development Authority Industrial Development Revenue Bonds (CFC- MB I, LLC- Collins Park Housing Project), Series 2022B (Taxable) issued under the Indenture. "Series 2022C Bond"or "Series 2022C Bonds"means any and all of the $3,000,000.00 Miami-Dade County Industrial Development Authority Industrial Development Revenue Bonds (CFC-MB I, LL Collins Park Workforce Housing Project), Series 2022C (Subordinate) issued under the Indenture. "State" means the State of Florida. "Substantial Completion" means: (i) the Project, including all life safety systems, shall have been substantially completed in accordance with the Plans and Specifications and applicable laws and as required by the Construction Documents; (ii) all required occupancy permits for the Project shall have been issued and the Project shall be reasonably capable of being occupied for its intended purposes; (iii) a punch list of any unfinished items relating to the Project shall have been prepared by the Developer and shall have been approved by the Lessor Representative;and 9 Page 58 of 272 (iv) all Governmental Authorities shall have given any necessary approval to occupancy of the Project on a temporary basis pending the occurrence of final completion thereof. "Surplus Fund" means the fund of that name created in accordance with the provisions of the Indenture. "Tenant Certification Procedures" means those procedures which the Lessee shall be obligated to follow to certify that the Project is in compliance with the restrictions of the Lease relating to rent restrictions and tax-exempt status,those procedures are attached hereto as Exhibit «D„ "Term" shall have the meaning given in Section 2(a) hereof. "Termination Date" means the date bn which the Term ends by termination or expiration hereof. "Trustee" means Zions Bancorporation, National Association, as Trustee under the Indenture, and its successors and assigns in such capacity. "Trustee Mortgage" means the Leasehold Mortgage and Assignment of Rents and Subleases,of even date herewith by the Lessee in favor of the Trustee,as the same may be amended and/or supplemented from time to time in accordance with the provisions of the Indenture. "Trustee Security Interests" shall have the meaning given in Section 12(a) hereof. "Unit Mix" shall mean, the allocation of Workforce Housing Units at the Project among AMI percentage categories. "Workforce Housing Units"shall have the meaning ascribed to it in the City Development Agreement. Section 2. Grant of Lease; Term. (a) Subject to the terms and conditions of this Ground Lease, the Lessor, as of the Commencement Date, demises and leases the Property to Lessee, and Lessee leases and takes possession from Lessor, the Property, for the Term, for the development and construction of the Project, and operation of the Premises. (b) The initial term of the leasehold estate of the Lessee in the Property created hereunder(the"Leasehold Estate")shall commence on the Commencement Date and shall expire on February 28'h of the last Lease Year prior to the 50th anniversary of the Commencement Date ("Initial Term"). Provided that the Lessee is in good standing and not in default of the Ground Lease, the Term of this Ground Lease may be extended for two consecutive periods of twenty years each (each, a "Renewal Term") on mutual agreement of Lessor and Lessee, on the same terms and conditions as set forth in this Ground Lease(collectively,the Initial Term and Renewal Term(s),the"Term"). 10 Page 59 of 272 (c) On the Commencement Date, Lessor and Lessee shall execute a memorandum of lease in such form as will enable the memorandum to be recorded in the Public Records of Miami- Dade County, in each case, setting forth the Commencement Date and the Expiration Date, determined according to this Ground Lease.On the Termination Date,the Lessee and Lessor shall be released from,and relieved of,all of its obligations hereunder and under any other agreements relating to the Project to which the Lessor and the Lessee are then a party without any further action on the part of the Lessor or the Lessee. Lessor and Lessee hereby agree to assist and cooperate as necessary to effectuate or accomplish any assignments under this Section. Section 3. Rent. (a) The Lessee covenants and agrees to pay to the Lessor throughout the Term as Rent an annual amount equal to the Net Available Cash Flow. (b) The Rent shall be payable in respect of each Lease Year within thirty (30) days of receipt by the Lessee and the Trustee of the annual financial statements and Audit Report(as such term is defined in the Loan Agreement) for the corresponding Annual Period of the Lessee provided to the Trustee in accordance with the provisions of the Loan Agreement and the satisfaction of any additional conditions precedent to the distribution of the Net Available Cash Flow as provided in Section 510(c) and (d) of the Indenture. Lessee shall cause the Accountant (as such term is defined in the Loan Agreement) to furnish a copy of the annual financial statements and Audit Report to Lessor at the same time as such annual financial statements and audit report are delivered to the Trustee pursuant to the terms of the Loan Agreement. It is contemplated that such annual financial statements and audit reports will be produced within one hundred eighty(180) days after the end of each Annual Period. (c) If the Net Available Cash Flow for a Lease Year shall be zero (0) or a negative amount, no Rent shall be paid to the Lessor hereunder for such Lease Year, and it is understood that the Lessor shall have no liability or obligation,express or implied,to contribute or to pay the Lessee for any such deficit in Net Available Cash Flow. (d) For purposes hereof, the Lessor agrees that the Lessee may, in each Lease Year, charge, or cause to be charged,Rent for the units comprising the Project sufficient to comply with all of the covenants and agreements of the Lessee contained in the Bond Documents, provided, however, the maximum rent charged to tenants of the Workforce Housing Units shall comply with the provisions of Section 11(c) of this Ground Lease. (e) Payment of all Rent and all other sums due to the Lessor under this Ground Lease shall be made payable to the Lessor and delivered to the Lessor at the address shown in Section 28 hereof or at such other place as the Lessor may notify the Lessee in writing from time to time. Section 4. Financine of the Project. The Lessee shall, at its own cost and expense, obtain all financing required for the design,,acquisition, construction, furnishing, equipping, and operation of the Project, including the issuance of the Series 2022 Bonds. The Lessee agrees to provide the Lessor with copies of all material information and documentation relating to any form of proposed financing. The Lessee agrees that except for the financing contemplated by the Bond Documents, all financing relating to the design, acquisition, construction, furnishing, equipping, and operation of the Project,or any amendment,renewal,refinancing,or refunding of same during the Term shall be subject to the prior approval of the Lessor, which approval shall not be 11 Page 60 of 272 unreasonably withheld. In no event shall any financing approved by the Lessor hereunder be modified so as to increase the principal amount outstanding or the term or amortization period of the financing except with respect to an increase in number of Workforce Housing units contemplated hereby. Section 5. Taxes and Assessments. (a) It is hereby determined and declared by the Lessor and the Lessee that nothing contained in this Ground Lease is intended to change the degree to which the interest or estate of the Lessee created by this Ground Lease is subject to ad valorem property taxes; however, to the extent assessed,this Lessee shall bear and pay to the public officer charged with the collection thereof,before the same shall become delinquent,and shall indemnify, save, and hold harmless the Lessor from the payment of, any and all taxes, assessments, license fees, excises, imposts, fees, and charges of every sort, nature and kind (collectively, "Taxes" and each, a"Tax")that during the Term are or might be levied, assessed, charged, or imposed upon or against the Premises or tin, interest or estate of the Lessee or the Lessor in and to the Property. If the Lessor subsequently sells or transfers fee simple title to the Property and such sale or transfer alone results in the levy, assessment, charge, or imposition of ad valorem taxes against the Premises or causes the Property to become subject to such levy,assessment,charge,or imposition, the successor Lessor shall be responsible for the payment of such Taxes,and the Lessee shall have no liability therefor. (b) Notwithstanding the Lessee's agreement to pay for any taxes or assessments in accordance with Section 5(a) above, the Lessor agrees to use its best efforts to assist the Lessee in attempting to secure an exemption from ad valorem property taxation with respect to the Premises (including, without limitation, modifications to the Ground Lease or the Term thereof, if necessary). In furtherance of the foregoing, if, following review by the Miami-Dade County Property Appraiser, it is determined that a longer duration of the Term is necessary in order to secure the exemption from ad valorem for the Project, then the City Manager may, by written notice to the Lessee, exercise one or both of the options to renew for the Renewal Term, and in such event, the Term shall be conclusively deemed to have been renewed and extended, for the duration of the Initial Term and the applicable Renewal Term(s). (c) If the imposition of any Tax shall be deemed by the Lessee or the Lessor to be improper, illegal, or excessive, the Lessee may, in its own name, dispute and contest the same and,in such event and to the extent permitted by law,any such Tax need not be paid until adjudged to be valid; provided,however, the Lessee shall first notify the Lessor in writing of such dispute and contest and shall comply with the requirements of the Bond Documents concerning the contest of Taxes. Unless so contested, any Tax shall be paid by the Lessee within the time provided by law, and if contested, any such Tax shall be paid before the imposition of a lien on the Premises with respect thereto. Section 6. Utility Services. The Lessee shall make application,obtain and pay, and be solely responsible, for all utilities required, used,or consumed on the Premises, including,but not limited to gas, water (including water for domestic uses and for fire protection), telephone, electricity,cable(if any),interne,sewer service,storm-water services,garbage collection services, or any similar service (collectively, the "Utility Services" and each, a "Utility Service"). In the event that any charge for any Utility Service supplied to the Premises shall not be paid by the Lessee to the applicable Utility Service supplier when due, then the Lessor shall be permitted, ten 12 Page 61 of 272 , (10) days after written notice to the Lessee, but shall not be required to, pay such charge for and on behalf of the Lessee, with any such amount paid by the Lessor being repaid by the Lessee to the Lessor within twenty (20) days after demand therefor by the Lessor. Section 7. Payments for the Lessee by the Lessor. If the Lessee shall fail to procure the insurance required to be procured by the Lessee under this Ground Lease or shall fail to pay any premium of insurance, Tax, or any other sum in this Ground Lease required to be paid by the Lessee (other than Rent), the Lessor may, after expiration of the applicable cure period and after notifying the Lessee and the Trustee, at the Lessor's option, elect to follow one of the options provided in Section 24(b)hereof or may,without declaring an Event of Default,procure on behalf of the Lessee any such insurance, and pay on behalf of the Lessee any such payment or payments as may be necessary. Any sum(s) so paid or expended by the Lessor on behalf of the Lessee shall immediately be reimbursed and paid by the Lessee to the Lessor within forty-five (45) days after demand therefor by the Lessor as Expenses under the Bond Documents. Notwithstanding anything to the contrary herein,in the event Lessor makes any payments pursuant to this Section,and Lessee fails to reimburse Lessor for such amounts as provided herein,then such failure to make payment to Lessor shall constitute an Event of Default pursuant to Section 24 of this Ground Lease. Section 8. Compliance by the Lessee with Governmental Requirements. At all times during the Term,the Lessee shall conform to, obey,and comply in all material respects with all Governmental Requirements that in any way are applicable to this Ground Lease or the use or operation of the Premises or any repair, replacement, demolition, renovation, construction, restoration,or excavation being done on or to the Premises. The Lessee, in its own name and at its sole cost and expense,shall have the right to contest the validity of any Governmental Requirement contemplated under this Section. The Lessee shall use its best efforts not to use the Premises or any part thereof;or to suffer or to permit the Premises or any part thereof to be used, in any manner that would constitute a legal nuisance or an unreasonable annoyance to any resident,employee,or visitor to the Project or for any hazardous purpose, or for any other purpose that is inconsistent with the use restrictions set forth in Section II of this Ground Lease or the Project restrictions as set forth in the City Development Agreement. In the event, at any time during the Term, or thereafter, as the result of the Lessee's acts or omissions to act during the Term, any addition, alteration, change, or repair or other work of any nature, structural or otherwise, shall be lawfully required or ordered by an applicable Governmental Authority or become necessary on account of any Governmental Requirement then in effect, or on account of any other reason with respect to the Premises, the entire expense thereof,regardless of when the same shall be incurred or become due, shall be paid by the Lessee and, in no event, shall the Lessor be called upon to contribute thereto or do or pay for any work of any nature whatsoever on or relating to the Premises. Section 9. Quiet Enjoyment; Environmental Warranty. (a) Ouiet Enjoyment. The Lessor represents and warrants that it owns fee simple, marketable title to the Property subject to no restrictions, liens, or other encumbrances other than Permitted Encumbrances. The Lessor further covenants and agrees that,throughout the Term, the Lessee may peaceably and quietly enjoy the Property subject, however, to zoning and land use restrictions, Permitted Encumbrances, and the Lessee's fulfillment of the covenants and agreements contained herein. 13 Page 62 of 272 (b) Environmental Warranty. The Lessor, represents, warrants and covenants to the Lessee that: (i) as of the date hereof, to Lessor's knowledge and without independent investigation or inquiry, the Property is in full compliance with all Environmental Laws (as defined in Section 31(b)); (ii) as of the date hereof, to Lessor's knowledge and without independent investigation or inquiry, and except as disclosed in the Environmental Reports, (A) there are no Hazardous Materials (as defined in Section 31(b)) that have been spilled, disposed of,or otherwise released at,on,under or about the Property,that are or have been migrating to or from the Property, or otherwise are located on the Property, regardless of source, and (B) there are no Hazardous Materials that originated at or otherwise are related to or have affected the Property and have caused or threatened to cause any environmental contamination or otherwise have caused or threatened to cause any liability under any Environmental Laws; (C)there are no,and to the Lessor's knowledge,never have been any underground storage tanks, above-ground storage tanks, wastewater impoundments, or areas used for waste treatment, storage, or disposal activities at, on, in, or under the Property; and(D)there are no activities or conditions that exist,and to Lessor's knowledge, have ever existed and remain unresolved at,on, in,under, or otherwise associated with the Property that violate any Environmental Laws or could reasonably be expected to result in any claim or liability under any Environmental Laws. Section 10. Construction of Improvements. (a) The Project shall be developed and constructed in accordance with, and subject to all requirements set forth in,the City Development Agreement,which provisions are incorporated by reference as if fully set forth herein. As of the Commencement Date,Lessee expressly assumes all of the obligations of the Developer under the City Development Agreement (except for any obligations which have been fully satisfied or performed by the Developer prior to the Commencement Date). In addition to the foregoing, the Lessee shall enter into a Development Agreement with Servitas, LLC, as Developer, which shall contemplate the Developer's entering into the Construction Contract and the Architect's Agreement for the development of the Project, in accordance with the City Development Agreement. (b) Lessee's Security for Performance. As security for the Lessee's performance hereunder as it relates to the design and construction of the Project,the Lessee grants to the Lessor a security interest in the Construction Documents as provided in,and subject to the provisions of, Section 12(a)hereof,which Construction Documents have been assigned by Developer pursuant to the Developer Assignment. , (c) Default in Construction. In the event the Developer, the General Contractor, or the Architect shall fail to perform in accordance with the provisions of any of the Construction Documents to which it is a party in connection with the design, acquisition, construction, furnishing,and/or equipping of the Project,the Lessee shall exercise all of the rights and remedies available to the Lessee in each such Construction Document(s)in consultation with the Lessor. If an Event of Default shall occur and be continuing or if the Lessee shall default under the 14 Page 63 of 272 Development Agreement, the Lessor may, subject to the rights of the Trustee and the provisions of Sections 12(a) and 36(i) hereof, assert the rights of the Lessee under the terms of the [Development Agreement], the Construction Contract, and the Architect's Agreement. (d) Commencement of Construction. The Lessee shall commence and pursue to completion the design, acquisition, construction, furnishing, and equipping of the Project on the Property and associated site development on the Project outside the boundaries of the Property, in accordance with the Construction Documents and in accordance with the Schedule of Performance. (e) Construction Approvals by the Lessor. Prior to commencing any excavation, construction, paving, or any other work associated with the Property or the Project, the Lessee shall deliver to the Lessor for its approval three(3)sets of the proposed Plans and Specifications. The right of approval of the Lessor with respect to the Plans and Specifications shall include,but not be limited to,the compatibility of the exterior appearance of any improvement with the public activities of the Lessor on adjacent portions of the Project. The Lessor shall approve or reject the proposed Plans and Specifications in accordance with the requirements of the City Development Agreement. Failure to approve or reject any proposed Plans and Specifications within the time periods specified in the City Development Agreement shall be deemed approved by the Lessor. The Lessor agrees not to withhold unreasonably the approval required by this subsection and the City Development Agreement.Approval of submissions or resubmissions by the Lessor shall not relieve the Lessee from the obligation to obtain all other necessary approvals and permits required by all Governmental Authorities or from complying in all material respects with the Plans and Specifications,the Construction Documents, and all applicable building codes and ordinances. (f) Modifications to Plans and Specifications. Once the Plans and Specifications shall be submitted to and approved by the Lessor or the proposed Plans and Specifications shall be deemed approved in accordance with subsection (e) of this Section, no changes or material changes, modifications, or alterations to the Plans and Specifications may be made without the prior written consent of the Lessor, which consent shall not be unreasonably withheld, conditioned, or delayed. The Plans and Specifications must at all times continue to comply with the requirements of this Ground Lease. If the Lessee seeks to make a change, modification or alteration to the Plans and Specifications,the Lessee shall provide a written request to the Lessor, seeking approval of the change, modification or alteration. The Lessor shall either approve the proposed changes to the Plans and Specifications or specify the particular changes with reasonable detail,if possible,which must be made to such document(s)for them to be reasonably acceptable to the Lessor, in accordance with the requirements of the City Development Agreement.The Lessee shall incorporate such revisions as are reasonably acceptable to the Lessee and submit the same for the Lessor's approval or rejection, within the timeframes specified in the City Development Agreement. If Lessor does not notify the Lessee in writing within the applicable timeframes of any changes the Lessor desires to be made to the proposed changes to the Plans and Specifications, then such change or modification shall be deemed approved. (g) Construction According to Approved Plans. All construction activities must be coordinated with the appropriate departments of the Lessor. A mandatory pre-construction meeting shall be conducted by the Lessee prior to the start of any construction activities for the purpose of reviewing security procedures, utility coordination, access to the Property, and 15 Page 64 of 272 construction coordination issues. The meeting shall be attended, at a minimum, by the Lessor Representative (FPC Representative), the Lessee, the Developer, and the General Contractor's project manager and superintendent. All building materials for the Project must be new and of good quality in accordance with the Construction Documents and the Plans and Specifications. The Lessor reserves the right, at the Lessor's sole cost and expense, to monitor the Lessee's construction of the Project from its inception, and the Lessor shall be permitted to participate in all construction meetings contemplated by the Construction Documents and to receive all reports of the Independent Engineer(as defined in the Loan Agreement);provided that the failure of the Lessor Representative (FPC Representative) to attend any such construction meeting of which they, he, or she shall have been notified shall not cause a delay in the holding thereof on the scheduled date thereof. At a minimum, the following restrictions must be placed upon construction activities, and the Lessee shall provide for the incorporation of these restrictions in the Construction Documents: (i) access to the construction site shall be limited to those involved with the work; (ii) for construction activities requiring access to the Lessor's drives and parking areas, access shall be restricted to those times approved by the Lessor,which approval will not be unreasonably withheld; (iii) construction activities shall not unreasonably interfere with entry or exit to the Project, Project parking or drives,or pedestrian circulation paths or walks without prior written consent from the Lessor; (iv) the Lessee shall notify the Lessor in writing at least seventy-two (72) hours in advance when coordination meetings requiring the Lessor's participation shall be required; (v) the Lessee shall provide an eight foot(8')high chain link security fence(or higher, if required to comply with any Governmental Requirements, and which fence may not contain razor or barbed wire) with lockable gates at the perimeter of the construction site and staging area. (vi) the Lessee, throughout the construction period, shall be responsible for the enforcement of discipline and good order among the workers on the site; (vii) Project toilet facilities and parking areas shall not be used by construction personnel; (viii) signage, which shall be subject to the prior written approval of the Lessor Representative (FPC Representative), shall be provided and maintained at all entrances to the Project to direct deliveries, construction personnel, etc. to the construction site; (ix) the Lessee and the Lessee's contractors shall not bury or burn or otherwise dispose of construction debris on the Property or on any other portion of the Project; and (x) any other requirements set forth in the City Development Agreement. 16 Page 65 of 272 (h) Payment of Bills for Construction.The Lessee covenants and agrees to pay or cause to be paid, currently as they become due and payable in accordance with the terms of the Construction Documents and the Bond Documents, all bills for labor, materials, insurance, and bonds,and all fees of architects, engineers,contractors,and subcontractors and all other costs and expenses incident to any construction in or on the Premises; provided, however, that the Lessee may, in good faith, in its own name, dispute and contest any such bill, fee, cost, or expense, and in such event, any such item need not be paid until adjudged to be valid. Unless so contested by the Lessee, all such items shall be paid by the Lessee within the time provided by law, and if contested, any such item shall be paid before the issuance of an execution on a final judgment with respect thereto. The Lessee shall provide the Lessor Representative (FPC Representative) with copies of each Application for Payment(and all supporting documentation)submitted by the General Contractor,each Certificate of Payment issued by the Architect prior to payment thereof, and evidence of payment of each such Application for Payment. (i) All Liens and Rights are Subordinate to the Lessor. Except for the rights of the Trustee and/or any other Permitted Leasehold Mortgagee, including, without limitation, their respective rights referenced in Sections 10(b), 12(a), 26, and 34 hereof, the Lessee's rights, as well as the rights of any other person or entity, including, but not limited to, any mortgagee, architect, independent contractor, assignee, sublessee, sub-contractor, prime or general contractor, mechanic, laborer, materialman, or other lien or claim holder, shall always be and remain subordinate, inferior, and junior to the Lessor's title, interest, and estate in the Property the Premises, and this Ground Lease. The Lessee shall not create or permit to be created or to remain, and shall discharge, any lien, encumbrance, or charge levied on account of any mechanic's, laborer's, or materialman's lien, or any security agreement, conditional bill of sale, title retention agreement, chattel mortgage, or otherwise (a "Lien") that might or does constitute a lien, encumbrance, or charge upon the Premises, or any part thereof, or the income therefrom, having a priority or preference over or ranking on a parity with the estate, rights,or interest of the Lessor in the Premises or any part thereof;or the income therefrom.Nothing in this Ground Lease shall be deemed or construed in any way as constituting the consent or request of the Lessor, express or implied, by inference or otherwise, to the filing of any Lien against the Premises by any contractor, subcontractor, laborer, materialman, architect, engineer, or other Person for the performance of any labor or the furnishing of any materials or services for or in connection with the Premises or any part thereof. (j) Completion of Construction by the Lessor. The Lessor acknowledges that the Lessee has collaterally assigned to the Trustee all of the Lessee's right,title,interest,and remedies in and to the Construction Documents pursuant to the Assignment of Contracts and Agreements, and has secondarily assigned the same to the City,subject to the rights of the Trustee.The Lessee covenants and agrees that in the event (i) the Lessee shall abandon or fail to complete the construction of Improvements undertaken by the Lessee in accordance with all material requirements hereof, (ii) such failure shall not be solely the result of the occurrence of an Event of Default, and (iii) the Trustee notifies the Lessor in writing of its election not to complete construction of such Improvements pursuant to the terms of the Assignment of Contracts and Agreements, the Lessor may, at its option (but without any obligation so to do and without prejudice to any other rights the Lessor may have under this Ground Lease) complete the acquisition, construction, furnishing, and equipping of the Project as an expense of the Project 17 Page 66 of 272 and, as nearly as practicable and proper, according to the Plans and Specifications previously approved or deemed approved by the Lessor. (k) Title to the Improvements. The title to all Improvements now or hereafter located on the Property including those to be constructed in accordance with the Plans and Specifications and the Construction Documents shall be vested in the Lessee until the expiration of the Term or earlier termination of this Ground Lease and payment in full of any then Outstanding Bonds, at which time all title to and ownership of said Improvements shall automatically and immediately • vest (without the necessity of any further action being taken by the Lessee or the Lessor or any instrument being executed and delivered by the Lessee to the Lessor) in the Lessor. (1) Architects, Engineers, Contractors, Specialists, and Consultants. The Lessee shall require, or cause the Developer or the General Contractor to require, any architects, engineers, contractors, subcontractors, specialists, and consultants engaged in connection with the design, acquisition, construction, furnishing, and equipping of the Project to perform their respective obligations under the terms of the Construction Documents to be licensed in accordance with Florida law and to obtain and maintain payment and performance bonds pursuant to subsection (o) of this Section, and as required by the City Development Agreement. (m) Permits, Laws, and Ordinances. The Lessee shall as a construction expense, comply and cause its contractors and subcontractors to comply in all material respects with all Governmental Requirements of all Governmental Authorities that may now or hereafter, from time to time, be established and that are or shall be applicable to the Lessee as they relate to the Project,including without limitation,the Americans With Disabilities Act of 1990,and shall take, as otherwise provided herein, all action necessary to cause the Project to comply in all material respects with all provisions of the Construction Documents,the Loan Agreement,and this Ground Lease applicable to the Lessee. (n) Construction Site. The Lessee shall cause the Developer to confine its operations to the Property and shall prohibit the Developer from storing any material or equipment on property of the Lessor outside the boundaries of the Property, except as approved in writing and subject to such conditions as may be specified and approved by the Lessor. The Lessee shall protect all work and shall at all times keep and cause its contractors to keep the construction site reasonably clean and free from waste materials and rubbish. (o) Payment and Performance Bonds.The Lessee shall provide or cause to be provided to the Lessor payment and performance bonds in a form and from a surety approved by the Lessor, in accordance with the Construction Documents,to include requiring the General Contractor and appropriate subcontractors to provide payment and performance bonds. The bonds shall be dual obligee surety bonds payable in favor of the Trustee,as primary obligee,and in favor of the Lessee and the Lessor as additional obligees. (p) Reports and Information. The Lessee shall provide the Lessor with copies of all material documents and correspondence provided to or generated by the Lessee in connection with the performance of the Construction Documents including those related to the satisfaction of the items in the Schedule of Performance and shall provide the Lessor with monthly progress reports in a form reasonably satisfactory to the Lessor demonstrating compliance with the 18 Page 67 of 272 construction requirements of the Plans and Specifications and the Construction Documents and this Ground Lease for the previous month. In addition, the Schedule of Performance must be updated at least monthly to assure the Lessor that construction of the Project will be complete in sufficient time to allow for occupancy thereof on or before October 1, 2023. The Lessee shall deliver or cause to be delivered to the Lessor Representative (FPC Representative) copies of all soil reports, surveys, hazardous wastes or toxic materials reports, feasibility studies, and other similar written materials prepared for the Lessee pursuant to the Construction Documents or the Bond Documents with respect to the Property or the Project within ten (10) days after receipt by the Lessee. (q) Substantial Completion of the Project.As soon as practicable(however,in no event to exceed six (6) calendar months) after the Substantial Completion of the Project, the Lessee shall furnish to the Lessor Representative: (i) one complete set of final "as-built" Plans and Specifications of the completed Project in digital auto-CAD format; (ii) a current, accurate, properly labeled, and certified (by the hereafter stated surveyor or engineer), "as-built" plat of survey prepared by a Florida registered land surveyor or professional engineer depicting to scale the location of the completed Project, as the same have been constructed; and (iii) one complete set of operations and maintenance manuals for all systems, equipment, furniture, and fixtures relating to the Project of the Project; and (iv) any other documentation that may be required pursuant to the City Development Agreement. (r) Failure to Provide Project on Schedule. If the Lessee shall not deliver the number of residential units contemplated in the Construction Documents in accordance with the Schedule of Performance for the Project, the Lessee shall be liable for the incremental costs of providing housing for Eligible Residents who shall have entered into Occupancy Agreements to occupy residential units within the Project, but who shall not be permitted to occupy such units on or before the guaranteed date of delivery thereof(collectively, the "Affected Residents" and each, an "Affected Resident"), to the extent required by the relevant Occupancy Agreement. Incremental costs means the sum of: (i) the cost of alternative housing for each Affected Resident; (ii) the cost of any necessary and reasonable storage facilities for possessions of each Affected Resident; and (iii) any necessary and reasonable moving services for each Affected Resident from such housing to the Project; or (iv) as an alternative to (i) through (iii), and at the election of each Affected Resident, a daily amount equal to his or her daily rent under his or her lease, sublease, license, rental, or other similar agreement. 19 Page 68 of 272 If any Workforce Housing Units shall not be delivered for occupancy on time as described above, Lessee shall exercise its good-faith diligent efforts to coordinate the execution of Occupancy Agreements with the date for Substantial Completion of the Project, so as to minimize costs and disruption to Eligible Residents. Section 11. Operation of the Project. (a) Use of Premises. Throughout the Term of this Ground Lease, Lessee shall use the Premises solely for the Project purposes as set forth in the City Development Agreement, which purposes shall be limited to the operation of the Workforce Housing Units, Dormitory Housing, and ground-floor cultural or retail uses,provided,however,that in no event shall any such ground floor cultural or retail uses include any of the Prohibited Uses, as set forth in Section 11(1) below. (b) Lessee's Obligation to Continuously Operate. Upon completion of construction of the Project, the Lessee shall continuously operate the Premises to serve Eligible Residents (with the exception of the ground floor cultural or retail uses) and shall enter into the Initial Asset Management Agreement. (c) All Workforce Housing Units shall be marketed and rented solely to Eligible Residents. The Project intends ultimately to achieve a Unit Mix that includes not less than fifty percent (50%) of such units rented to Eligible Residents earning AMI of 80% or less, and the remaining units rented to Eligible Residents earning between 80% and 120% AMI (the "Target Unit Mix"). The monthly rent for the Workforce Housing Units shall not exceed the rent limit by number of bedrooms in unit and household income for the AMI category applicable to the Workforce Housing Units in question, as determined from time to time. The current projected annual budgets reflected in the pro forma for the Project, anticipate a need for the a Unit Mix at the time of opening to be 100% of the Workforce Housing Units (i.e., all 80 units)as 120% AMI units. When the Annual Budget is developed in respect of each Annual Period,Lessor and Lessee shall, if possible, modify the Unit Mix by reallocating units from 120%AMI units to 100% AMI and/or 80%AMI units to approach the Target Unit Mix as closely as possible,while ensuring, as of the date each such Annual Budged is developed, the Project's ability to repay the Series 2022 Bonds, to cover all operating expenses and meet the debt service coverage requirements of Section 510 of the Indenture for disbursement of the Rent. The restrictions relating to the Workforce Housing Units shall extend for the duration of the Term,notwithstanding the durations otherwise identified in Chapter 58 of the City Code.During the Term,Lessee shall strictly adhere to the Workforce Housing Unit Compliance Procedures set forth in Exhibit"D", attached hereto and incorporated herein by this reference. (d) The following acceptance priorities shall be applied to otherwise income-eligible individuals who apply for Workforce Housing Units shall be as follows: (i) Tier 1 —Artists practicing in Miami-Dade County; City of Miami Beach employees, including,without limitation,City of Miami Beach law enforcement personnel and firefighters;Area Educators and nurses employed within the City of Miami Beach;and veterans who are either employed within the City of Miami Beach or whose last place of residence was within the City of Miami Beach; 20 Page 69 of 272 (ii) Tier 2—workers employed within the City of Miami Beach in the hospitality and entertainment industries; and (iii) Tier 3 — Any other workers employed within Miami-Dade County, with priority for income-eligible workers employed within the City of Miami Beach. (e) Any Workforce Housing Unit remaining vacant for at least sixty (60) consecutive days may be offered and leased to any other Eligible Resident in a subsequent tier. (f) Prohibited Uses. (i) With respect to the Workforce Housing Units, any rentals for a period of less than six months and one day shall be strictly prohibited. (ii) With respect to the ground-floor cultural or commercial retail uses, in no event shall the ground-floor space be rented for any of the following purposes: (A) the sale,as its principal business purpose,of any merchandise which such Person in the course of its normal business practice, purchases at manufacturers'clearances or purchases of ends-of-runs,bankruptcy stock, seconds, or other similar merchandise; (B) the sale of insurance salvage stock, fire sale stock, merchandise damaged by or held out to be damaged by fire; (C) a bankruptcy sale or going-out-of-business sale or liquidation sale or any similar sale; (D) the sale of medical marijuana or paraphernalia incidental thereto; (E) coinbox entertainment (pinball, video games, moving pictures operated by coins); (F) casino gambling, or games of chance or reward; (G) any unlawful or illegal business,use or purpose,or for any business, use or purpose which is immoral or disreputable (including "adult entertainment establishments"and"adult"bookstores) or extra-hazardous; (H) any purpose that constitutes a nuisance of any kind (public or private); (I) check cashing facilities; (J) pawn shops; (K) the sale of firearms; 21 Page 70 of 272 (L) tattoo parlors, fortune tellers,psychics, palm readers, body piercing shops; (M) political offices; (N) military recruiting; (0) consular, legation or any other offices of foreign governments; (P) tire sales; (Q) the sale of animals or birds of any kind and/or products of a nature typically sold in pet shops; (R) the sale of major appliances as a primary business; (S) any "Private Use" as defined in this Section. "Private Use" means (a)the conduct of any activity or activities constituting a trade or business(or group of trades or businesses)carried on by any person or entity other than Lessee,a state or local governmental unit or a 501(c)(3)organization or(b) any unrelated trade or business (as defined in Section 513(a) of the Code) or any business not related to the exempt purpose of Lessee, a state or local government or a 501(c)(3) organization. Private Use shall also include, without limitation, the Initial Asset Management Agreement, and the lease or rental of the Premises or any part thereof to,third parties that are not organizations described in Section 501(c)(3)of the Code using the Premises in a manner substantially related to their and Lessee's exempt purpose. The amount of Private Use is measured over the remaining term of the lease based on the portion of the total square footage of the Premises subject to the Private Use arrangement and the portion of time the Private Use takes place as compared to the aggregate time the Premises actually are used for all purposes. A lease or rental of the Premises that is not an unrelated trade or business activity is not a Private Use if the term of such lease or rental is(i) not more than one hundred (100) days (including any renewal options) if the compensation under the lease or other arrangement is determined, or redetermined at the time of any renewal, at generally applicable, fair market value rates but use pursuant to such leases is not reasonably available to natural Persons not engaged in a trade or business, or (ii) not more than fifty (50) days (including any renewal options) if the compensation under the lease or other arrangement is determined, or redetermined at the time of any renewal, in a negotiated arm's length transaction and compensation under the lease is at fair market value; and (T) in any manner that will violate any approvals of applicable Governmental Authorities, Certificate of Occupancy or certificate of use for the Premises, or which will violate any Governmental Requirements (collectively, the "Prohibited Uses"). 22 Page 71 of 272 (g) Such Prohibited Uses shall be reviewed and amended on terms mutually agreeable to the City and Lessee not less than once each twenty (20) years. Lessee shall ensure that the provisions of this Section 11 are incorporated as a material term in the Asset Management Agreement,to ensure the Asset Manager's compliance with all applicable use restrictions set forth herein. Lessee shall further cause for the Operating Plan (as defined in paragraph (1) below) to be developed consistent with the use restrictions set forth in this Section 11. (h) Management of Improvements. The Lessee shall not modify, amend, or renew the Initial Asset Management Agreement or enter into any other Asset Management Agreement with a new Asset Manager for the Project without the City Manager's prior written consent, which consent shall not be unreasonably withheld. (i) Administration of Funds. The Lessee and the Lessor agree that at all times while the Bonds are Outstanding, all gross revenues of the Project shall be deposited with the Trustee and administered in accordance with the terms of the Indenture. (j) Fixed Charges Coverage Ratio. Commencing on the first full Annual Period following Substantial Completion of the Project, the Lessee shall use commercially reasonable efforts to operate the Project such that the Fixed Charges Coverage Ratio shall at all times be not less than 1.20. Beginning with the Annual Period ending December 31, 2024, the Lessee shall deliver to the Lessor a certificate disclosing the Fixed Charges Coverage Ratio as of the end of each Annual Period,at the time of the delivery of the Lessee's annual audited financial statements pursuant to subsection(k)below,calculated based upon the relevant information reflected in such annual audited financial statements.Notwithstanding the foregoing or any other provisions in this Ground Lease to the contrary,the Lessee's failure to maintain a Fixed Charges Coverage Ratio of not less than 1.20 shall not constitute an "Event of Default" hereunder. (k) Annual Audited Financial Statements.The Lessee shall, not later than one hundred eighty (180) days following the end of each Annual Period commencing with the Annual Period ending December 31,2024,provide to the Lessor its annual audited financial statements,prepared by an independent auditor in accordance with GAAP. Additionally, at the time of the Lessee's delivery of its annual audited financial statements, the Lessee shall provide a certificate to the Lessor setting forth the Fixed Charges Coverage Ratio for such Annual Period, calculated based upon the relevant information reflected in such annual audited financial statements. (1) Operating Plan. The Lessee and the Asset Manager agree to work with the Lessor to establish an operating plan, which shall address, among other matters, standard forms of occupancy agreements; the priority of Eligible Residents in accordance with the tiers for the booking of Eligible Residents as provided in Section 11(d)of this Ground Lease;the process and record-keeping requirements for verification of income-eligibility and other requirements for Eligible Residents, along with a lottery system or other process for the selection and placement of Eligible Residents within each of the priority tiers set forth in Section 11(d) of this Ground Lease, subject to the City Manager's approval of such selection process to ensure that the placements of Eligible Residents are made fairly and equitably and free of favoritism or individual bias; use of the Lessor's trademarks and service marks for purposes of advertising or marketing the Project to Eligible Residents; details concerning the management and operation of the Premises, including with respect to the provision of custodial/janitorial services, landscaping, 23 Page 72 of 272 maintenance/repairs of the Improvements, security services, utilities, resident complaints, coordination of services with master sublessees, and the like; hours of operation for the Ground Floor retail or cultural uses; and the use of the Lessor's online resources for purposes of advertising and marketing the Project to Eligible Residents (collectively, the "Operating Plan"). The Operating Plan shall be subject to City'Manager approval, with such approval not to be unreasonably withheld. Lessor and the Lessee mutually agree to review such Operating Plan on not less than an annual basis in consultation with the Asset Manager, and such Operating Plan may be revised from time to time at the mutual agreement of the Lessee and the Asset Manager, subject to the approval of the City Manager as provided herein. (m) Reserved. (n) Parking. The Lessor shall provide access to up to fifty-eight(58)monthly parking passes at the City garage facility located at 340 23`d Street ("Collins Park Garage"), with the monthly parking passes available for purchase by the residents of the Workforce Housing Units, at the then applicable City rate, on a first-come-first-served basis, so long as the Collins Park Garage is operated by the City and open to the public. In the event of damage or other casualty or force majeure event requiring the closure of the Collins Park Garage, either on a temporary basis or otherwise, Lessor shall exercise diligent,good-faith efforts to identify an alternative City public parking facility to accommodate the residents,subject to availability. (o) Coordination of Services with MCB pursuant to Master MCB Sublease. Lessee shall be responsible for coordination with MCB of any property-management related services in connection with Miami City Ballet's use of the Dormitory Housing,in accordance with the Master MCB Sublease, including, without limitation, the provision of adequate maintenance or repairs, lighting, security (including, without limitation, any specific security arrangements that may be required for the protection of minors utilizing the Dormitory Housing), resident complaints, or other property-management related services. (p) Lessor's Priority Right to Ground Floor Master Sublease. Prior to any rental or occupancy of the ground floor portion of the Premises ("Ground Floor"), the Lessor shall have the exclusive,priority right to enter into a Ground Floor Master Sublease, in order to activate the Ground Floor for cultural purposes, at the Lessor's sole discretion, either directly through Lessor's personnel or a third-party vendor providing management services to Lessor for the Ground Floor activations, or via a sub-sublease to a cultural organization or other entity, for cultural programming within the Ground Floor. Subject to mutual agreement between Lessor and Lessee, Lessee anticipates that the initial annual rental charges to the Lessor for the Ground Floor Master Sublease, inclusive of common area maintenance and utility charges, shall approximate $62,634. In the event Lessor elects to not enter into a Ground Floor Master Sublease or any extension thereto, Lessor shall provide Lessee with at least one hundred and eighty (180) days prior written notice of Lessor's election to waive its priority rights to rent the Ground Floor, to permit Lessee appropriate time to market the Ground Floor.The subsequent leasing of the Ground Floor shall be subject to receipt by Lessee of Opinion of Bond Counsel (as defined in the Loan Agreement). Section 12. Security Interest. 24 Page 73 of 272 (a) Pledge, Assignment, and Grant of Security. As security for the Lessee's performance of its obligations hereunder and subject to the rights of the Trustee,the Lessee hereby assigns and pledges to the Lessor, and hereby grants to the Lessor a security interest in, all of the Lessee's right, title, and interest in and to the Assigned Agreements, including,without limitation: (i) all rights of the Lessee to receive moneys due and to become due under or pursuant to the Assigned Agreements; (ii)all rights of the Lessee to receive proceeds of any insurance, indemnity, warranty, or guaranty with respect to the Assigned Agreements; (iii) claims of the Lessee for damages arising out of or for breach of or default under the Assigned Agreements; and (iv) the right of the Lessee to terminate the Assigned Agreements, to perform thereunder, and to compel performance and otherwise exercise all remedies thereunder. The Lessor acknowledges that, pursuant to the Assignment of Contracts and Agreements, the Lessee will grant to the Trustee security interests in various items of collateral including, but not limited to, the Assigned Agreements and certain rights and remedies with respect thereto (collectively, the "Trustee Security Interests"). Any and all security interests ;granted to the Lessor by the Lessee as security for the performance by the Lessee's of its obligations under this Ground Lease(including, but not limited to,the security interest granted in this Section) shall be subject to the provisions of Section 36(i) hereof and subordinate in all respects to the Trustee Security Interests. (b) Further Action and Documents. The Lessee agrees that from time to time, at the expense of the Lessee, the Lessee will promptly execute and deliver all further instruments and documents, and take all further action,that may be necessary or desirable,or that the Lessor may reasonably request, in order to perfect and protect any pledge, assignment, or security interest granted or purported to be granted hereby or to enable the Lessor to exercise and enforce its rights and remedies hereunder with respect to any Assigned Agreements. (c) Financing Statements.The Lessee hereby authorizes the Lessor to file one or more financing and/or continuation statements, and amendments thereto, relating to all or any part of the Assigned Agreements without the signature of the Lessee where permitted by law. A photocopy or other reproduction of this Ground Lease or any financing statement covering the Assigned Agreements or any part thereof shall be sufficient as a financing statement where permitted by law. (d) Lessor Appointed Attorney-in-Fact. The Lessee hereby irrevocably appoints the Lessor the Lessee's attorney-in fact,with full authority in the place and stead of the Lessee and in the name of the Lessee or otherwise,if an Event of Default shall have occurred and be continuing, to take any action and to execute any instrument that the Lessor may deem necessary or advisable to accomplish the purposes of this Ground Lease, subject in all cases to the rights of the Trustee and the provisions of the Bond Documents,including,without limitation,the obligation to deposit all project revenues with the Trustee, including,without limitation: (i) to obtain insurance required to be paid to the Lessor pursuant to Section 17 hereof in the event the Lessee shall fail to obtain such insurance; (ii) to ask, demand, collect, sue for, recover, compromise, receive, and give acquittance and receipts for moneys due and to become due under or in connection with the Assigned Agreements; and 25 Page 74 of 272 (iii) to file any claims or take any action or institute any proceedings that the Lessor may deem necessary or desirable to enforce compliance with the terms and conditions of any Assigned Agreement or the rights of the Lessor with respect to any of the Assigned Agreements. (iv) Nothing contained herein shall be construed as modifying the flow of funds and uses under the Indenture. (e) Lessor May Perform. If the Lessee shall fail to perform any agreement contained herein, the Lessor may itself perform, or cause performance of, such agreement, and the reasonable expenses of the Lessor incurred in connection therewith shall be payable by the Lessee to the Lessor within forty-five(45) days after demand therefor by the Lessor as Expenses. (f) Lessor's Duties.The powers conferred on the Lessor hereunder are solely to protect its interest in the Assigned Agreements and shall not impose any duty upon it to exercise any such powers.The Lessor shall have no duty to take any necessary steps to preserve rights against prior parties or any other rights pertaining to any Assigned Agreements. Section 13. Assignment of Lease. Except as otherwise provided in Section 26 hereof, the Lessee and its successors and assigns, shall not have the right to assign, transfer or sublease this Ground Lease or any interest herein or any right or privilege appurtenant hereto or to sublease the Premises or any portion thereof, unless the written consent of the Lessor, by and through the City Commission at its sole and absolute discretion, shall first be had and obtained. Any assignment or transfer for which consent is required but which is nevertheless made without such written consent shall be void ab initio. Any other provisions hereof to the contrary notwithstanding, the Lessee shall, without the consent or approval of the Lessor,have the right, in the ordinary course of business, to enter into the Master MCB Sublease, the Occupancy Agreements in accordance with the criteria set forth in the Asset Management Agreement,and the sublease of the Ground Floor in accordance with Section 11(p) hereof. Section 14. Maintenance of Property. The Lessee shall, at all times during the Term, at the Lessee's sole cost and expense, keep and maintain the Premises and all adjoining areas out to the perimeter pavement, and appurtenances and every part thereof, and any and all buildings, other structures or Improvements that may exist on, in, or be made a part of the Premises, in good order and condition, ordinary wear and tear excepted, and make all necessary repairs thereto, interior and exterior, structural and nonstructural, ordinary and extraordinary, and foreseen and unforeseen. -The Lessee shall be required to follow any maintenance schedule proposed by the Developer. In the event the Lessee shall fail to perform any of its obligations as required hereunder,. after notice and right to cure pursuant to the terms and provisions of Section 24(a) hereof, the Lessor may (but shall not be required to) perform and satisfy same, and the Lessee hereby agrees to reimburse the Lessor for the reasonable cost thereof promptly upon demand as an Expense under the Bond Documents. The Parties agree that it shall be the Lessee's sole responsibility at all times during the Term to maintain the Premises in a first-class condition. All required maintenance and repair during the Term shall be complete when the Premises shall be surrendered to the Lessor. Section 15. Annual Budget. (a)Not later than one hundred twenty (120) days prior to the commencement of each Annual Period,the Lessee shall develop in good faith, in its discretion 26 Page 75 of 272 and after consultation with the Lessor, a line-item operating and capital budget for the Project for each Annual Period or partial Annual Period (collectively, the "Annual Budgets" and each, an "Annual Budget"), in accordance with Section 8.07 of the Loan Agreement, provided that for the first Annual Period, Lessor shall develop such budget on or before the date that is not less than one hundred twenty (120) days prior to the. date on which Lessor intends to begin to market the Workforce Housing Units to prospective renters. The Annual Budget shall set forth among other matters, those items usually contained in budgets of similar nature, including, but not limited to, the following: (i) the categories of anticipated Revenues and the projected amounts of each category of such Revenues; (ii) the amounts to be deposited to the Repair and Replacement Fund and any other reserve fund established under the Indenture during such Annual Period and the amounts contained therein as of the first day of such Annual Period; (iii) all anticipated capital expenditures; (iv) the projected reasonable amounts of all Expenses; (v) sufficient information to explain the basis for the budgeted Revenues, capital expenditures, and Expenses; and (vi) the amount of projected Revenues sufficient to comply with any applicable covenants contained in the Bond Documents. (b) The Annual Budget shall reflect all anticipated Expenses paid, incurred,or accrued or to be paid, incurred, or accrued by the Lessee or on behalf the Lessee by another Person, such as(by way of example)the Asset Manager under the Asset Management Agreement. The Annual Budget shall include any input provided by a budget oversight committee consisting of a representative of the Lessee, Asset Manager, Lessor and MCB (for so long as MCB is in good standing under the Master MCB Sublease for the Dormitory Housing) ("Budget Oversight Committee"). (c) Following review and input by the Budget Oversight Committee, the Lessee shall submit to the Lessor's City Manager for the City Manager's approval a proposed Annual Budget not later than ninety (90) days prior to the commencement of each Annual Period(provided, for the first Annual Period, Lessor shall submit such budget on or before the date that is not less than ninety (90) days prior to the date on which Lessor intends to begin to market the Workforce Housing Units to prospective renters). The City Manager(or the City Manager's designee) shall give the Lessee notice of its approval of the Annual Budget as submitted or of its disapproval of one or more of the matters contained therein not later than sixty (60) days prior to the commencement of such Annual Period, or, if later, sixty (60) days after the Lessor shall have provided the proposed Annual Budget to the Lessee. If the Lessor shall fail to give notice of approval or disapproval in a timely manner,then the Annual Budget as submitted shall be deemed approved by the Lessor. If the Lessor shall give notice of its disapproval, the Lessee and Lessor promptly, in good faith; shall develop an Annual Budget on which they both may agree. In the event that the Lessee and the Lessor fail to reach agreement not later than thirty (30) days prior 27 Page 76 of 272 to the commencement of an Annual Period for any reason,the Annual Budget for the then current Annual Period, as increased for all Expenses (other than salaries and payroll expenses) by the increase, if any, in the Consumer Price Index shall be implemented for the next Annual Period until agreement is reached on a new Annual Budget. For the avoidance of doubt,in no event shall salaries and payroll expenses be increased until such time as the Parties have reached agreement on a new Annual Budget. If the proposed Annual Budget has not been approved prior to the beginning of the Annual Period and contains provisions regarding the modification of rents for the Annual Period, those rents shall be applied to the Project for the applicable Annual Period. (d) From time to time during or in respect to an Annual Period, the Lessee shall have the right to modify the Annual Budget in accordance with the Bond Documents, which amendment shall be subject to the Lessor's prior written consent unless: (i) the amendment shall be to reflect the receipt of insurance or condemnation proceeds; (ii) the amendment shall be for an amount in respect to a line item(A)that does not increase or decrease,when added to all other changes to that line item, either the original amount of that line item or an increased amount approved by the City Manager(or the City Manager's designee) and then in effect by more than ten percent (10%), and (B) that does not increase the original total amount of Expenses or an increased amount approved in writing by the Lessor and then in effect by more than five (5) percent (5%) or (iii) the amendment shall be necessary to preserve life or property. An Annual Budget for an Annual Period,as so amended, shall,after such amendment,be the Annual Budget for such Annual Period.Following any such modification of an Annual Budget,whether the same requires Lessor's approval or not,Lessee shall submit the Annual Budget as so modified to Lessor for its records. (e) The Lessee shall operate the Project and make expenditures in connection with the Project in accordance with the Annual Budget. (f) For each month within an Annual Period,the Lessee shall submit to the Lessor not later than thirty (30) days after the end of such month, a Budget Reconciliation Statement. Section 16. Indemnifrcation Agreement. Subject to the limitations set forth in Section 36(1) of this Ground Lease,the Lessee hereby releases and agrees to indemnify and hold harmless the Lessor and all of its trustees,officers,employees,directors,agents,and consultants(hereinafter collectively referred to as the "Indemnitees")of and from any and all claims, demands, liabilities, losses, costs, or expenses for any loss including but not limited to bodily injury(including death), personal injury,property damage, expenses,and reasonable attorneys' fees to the extent due to any negligent act or omission on the part of the Lessee, its agents, employees, or others (other than the agents and employees of the Lessor, if any)working at the direction of the Lessee or on its behalf, or due to the application of any pertinent federal, State, or local law, rule, or regulation or the violation of by the Lessee, its agents, employees, or others (other than the agents and employees of the Lessor, if any)working at the direction of the Lessee of any such federal, State,or local law, rule, or regulation. This indemnification extends to the successors and assigns of the Lessee, and this indemnification survives the expiration or termination of this Ground Lease and the dissolution or, to the extent allowed by law, the bankruptcy of the Lessee. This indemnification does not extend beyond the scope hereof and the Construction Documents and the work undertaken thereunder, and does not extend to claims exclusively between the Parties arising from the terms or regarding the interpretation hereof. Lessee shall cause for the Initial Asset Management 28 Page 77 of 272 Agreement (and any subsequent Asset Management Agreement), the Master MCB Sublease, and Occupancy Agreements,and any vendor agreement between Lessee and any third-party involving services in excess of$50,000 to release,indemnify and hold harmless the Indemnitees in the same manner, and to the same extent, as Lessee has agreed to release, indemnify and hold harmless the lndemnitees in accordance with this Section. Section 17. Insurance. (a) General. It is the intent of the Parties that all risk of loss relating to the Project be shifted from Lessee to insurance to the maximum extent practicable. Accordingly, unless the Lessor shall otherwise agree in its sole discretion to maintain insurance for the Project, the Lessee shall maintain, or cause to be maintained, insurance covering the risks enumerated in items(i)through(vi)below. Such insurance shall be written on an occurrence basis unless the Lessor shall otherwise consent in writing. Each policy shall provide that such insurance shall be primary coverage without reduction or right of offset or contribution on account of any insurance provided by the Lessor to itself or its officers,officials,or employees,that such insurance shall not be altered or cancelled without thirty(30)days'written notice to the Lessor and that,with the exception of professional liability and workers' compensation coverage, such policies shall name the Lessor as an additional insured. The insurance policies purchased by the Lessee must be issued by a company authorized to conduct business in the State and by a company acceptable to the Lessor and that has a Best Policyholders Rating of"A"or better and with a financial size rating of Class VIII or larger.Notwithstanding anything else herein contained,the rights of the Lessor to any insurance policies covering the Premises or the Project (or any portion thereof) and any and all proceeds paid or payable thereunder shall be in all respects junior and subordinate to the rights of the Trustee under the Bond Documents or any other Primary Leasehold Mortgage. (i) Construction Insurance Requirements. (A) During the construction period,the Lessee shall cause the Developer to cause the General Contractor to obtain and maintain in full force and effect: (1) All Risk and Builder's Risk - Completed Value Form Property Insurance in accordance with the Loan Agreement and this Ground Lease, and (2) payment and performance bonds for labor and materials with respect to the Construction Contract in accordance with the Loan Agreement this Ground Lease (and/or City Development Agreement, as applicable). (B) During the construction period, the Lessee shall cause the General Contractor and the Architect to maintain professional liability (errors and omissions) coverage for claims or damages arising from professional services provided. Such policies shall include prior acts coverage sufficient to cover the services under the applicable agreement, the limits of which shall not be less than $5,000,000 per claim/$5,000,000 annual aggregate with a deductible or self-insured retention amount not greater than. $500,000 per claim. Such insurance shall be maintained during the term of such service provider's services, and for a period equal to the statute of repose after completion of the services. (ii) General Liability. Comprehensive general liability insurance providing insurance (with deductible provisions not to exceed Twenty-Five Thousand Dollars ($25,000) per occurrence) covering all claims for bodily injury and property damage, 29 Page 78 of 272 including not less than One Million Dollars ($1,000,000)per occurrence and Two Million Dollars ($2,000,000) in the aggregate, to include personal and advertising injury, general aggregate, products and completed operations aggregate insurance beginning at the completion of each Project component, and contract liability to cover all insurable obligations under this Ground Lease. (iii) Automobile.Commencing on the date any vehicle shall be acquired or hired by the Lessee for use with respect to the Project, automobile liability insurance providing insurance (with deductible provisions not to exceed Twenty-Five Thousand Dollars ($25,000) per occurrence) to the extent of not less than a combined single limit of One Million Dollars ($1,000,000) per accident covering liability arising out of the use of any Lessee vehicle or such vehicles used in conjunction with the Project,whether owned, non- owned,or hired,and including personal injury protection and uninsured motorist protection in the minimum statutory limits where required by law. (iv) Workers'Compensation. Commencing on the date the first employee of the Lessee shall be hired, workers' compensation coverage or other similar coverage covering all of the Lessee's employees on the Premises, as required by the laws of the State, including, with respect to workers' compensation insurance, Coverage B-Employer's liability limits of: bodily injury by accident- Five Hundred Thousand Dollars ($500,000) each accident; and bodily injury by disease - Five Hundred Thousand Dollars ($500,000) each employee (and, in this regard, the Lessee shall require all subcontractors performing work on the Project to provide an insurance certificate showing proof of workers' compensation insurance); (v) Fidelity Bonds. From and after Substantial Completion of the Project, the Lessee shall maintain fidelity bonds or employee dishonesty insurance in the amount of One Million Dollars ($1,000,000) for all officers, agents, and employees of the Lessee (including, without limitation, all officers, agents, and employees of the Asset Manager) with the responsibility of handling any revenues generated from the operation of the Project. (vi) Umbrella Coverage. Additional umbrella or excess liability coverage in the amount of Ten Million Dollars ($10,000,000) in the aggregate, which shall include all coverages required by(ii), (iii),and (iv)hereof. • (vii) Commercial Property Insurance. From and after Substantial Completion of the Project, Lessee shall maintain commercial property insurance in an amount of the insurable value of all Improvements located on the Premises under an "all risk" form, including damage by water,flood,tornado,hurricane and earthquake in an amount not less than the replacement cost value of the Improvements and include coverage for business interruption insurance (also referred to as "business income" or"loss of rents" insurance) covering loss of revenues and other income by the Lessee by reason of total or partial suspension of, or interruption in,the operation of the Project caused by covered damage to or destruction of the Project in an amount not less than the Maximum Annual Debt Service on the Bonds plus twelve (12) months' budgeted expenses (other than interest on the Bonds) minus those expenses avoided as a result of and during the period of interruption. 30 • Page 79 of 272 (b) Loss Payable Clauses. The contracts of insurance required by this Section shall contain standard loss payable clauses in favor of any Permitted Leasehold Mortgagee,the Lessor, and the Lessee as their respective interests may appear. (c) Delivery of Insurance Certificates. Upon the commencement hereof and at each policy renewal date, the Lessee shall furnish to the Lessor at the address set forth in Section 28 hereof an insurance certificate or renewal certificate evidencing all insurance required to be carried by the Lessee in accordance with this Ground Lease, listing the Lessor,Trustee and Issuer as the certificate holders. The insurance certificate must document that the liability insurance coverage purchased by the Lessee includes contractual liability coverage to insure the indemnity agreement as stated herein. (d) Evidence of Payment of Premiums. The Lessee shall, within twenty (20) days of , payment, furnish to the Lessor duplicate receipts or satisfactory evidence of the payment of all premiums on any and all insurance required to be carried by the Lessee in accordance with this Ground Lease. Section 18. Police Services.The Premises shall be subject,at all times during the Term, to the jurisdiction of the Lessor's police department. Section 19. Damage and Destruction. (a) Repair of Damaged Improvements. Should any Improvements be damaged or destroyed by fire or any other casualty (collectively, a "Casualty") whatsoever during the Term, the Lessee,except as hereafter provided in this subsection,shall,at its sole cost and expense,within (i) ninety (90) days after receiving insurance proceeds with respect to any such Casualty or (ii) within one hundred eighty (180) days from the date of such Casualty, commence the work of repair, reconstruction, restoration, or replacement of the Improvements ("Reconstruction Work") and shall prosecute the Reconstruction Work with all reasonable dispatch, so as to fully complete such Reconstruction Work as expeditiously as reasonably possible consistent with the nature and extent of the Casualty,with such Improvements to be repaired,reconstructed,or restored as nearly as practicable to the same condition as prior to such Casualty. Anything in this Ground Lease to the contrary notwithstanding, the period of time within which the Lessee shall be hereinabove obligated to complete the Reconstruction Work shall be extended for the period of any delay in said completion not within the reasonable control of the Lessee. (b) To the extent any Primary Leasehold Mortgagee exercises any right or option to retain and apply any portion of the proceeds of any insurance (or condemnation awards) toward payment in full of the sum secured by the Primary Leasehold Mortgage, Lessee shall diligently and expeditiously undertake to secure and close on Leasehold Mortgage loans to finance the Reconstruction Work,and thereafter,to commence and fully complete such Reconstruction Work as expeditiously as reasonably possible consistent with the nature and extent of the Casualty. (i) Notwithstanding the foregoing,if,during the last ten(10)years of the Initial Term or any Renewal Term, the Improvements are totally destroyed or so damaged as to render them unusable, then (i) Lessee or the Lessor may terminate this Ground Lease by delivery of written notice of such termination to the other Party not later than sixty (60) 31 Page 80 of 272 days after the occurrence of such Casualty,whereupon this Ground Lease will terminate as of the date of such casualty. Upon such termination, the insurance proceeds shall be payable as follows (subject in all cases to the requirements and rights of any Primary Leasehold Mortgage): (A)first,to pay the principal balance of all indebtedness secured by any Permitted Leasehold Mortgage then in effect, plus all interest accrued or to accrue on such sums through the date of payment or redemption of such indebtedness, plus any other direct out-of-pocket expenses incurred by the Lessee in connection with the casualty not paid from the Operating Account which shall be directly paid to such Permitted Leasehold Mortgagee and (B) second, the balance, if any, to the Lessor. If neither the Lessor nor Lessee timely elect to terminate this Ground Lease in accordance with this Section,Lessee shall restore the Premises in accordance with Section 19(a) hereof. (c) Waiver of Subrogation. Where permitted by law, each Party hereby waives all rights of recovery by subrogation or otherwise (including claims related to deductible or self- insured retention clauses, inadequacy of limits of any insurance policy,insolvency of any insurer, limitations or exclusions of coverage), against the other Party, and its respective officers, agents, or employees. (d) Inadequacy of Insurance Proceeds. Lessee shall use diligent, good faith efforts to satisfy all conditions of any Permitted Leasehold Mortgage to permit release and disbursement of such proceeds towards the costs of the Reconstruction Work. Notwithstanding anything to the contrary set forth in this Ground Lease, Lessee's liability hereunder to timely commence and • complete restoration of the damaged or destroyed Improvements shall be absolute, irrespective of whether the insurance proceeds received, if any,are adequate to pay for such restoration. (e) No Lessor Obligation to Provide Property Insurance. Lessee acknowledges and agrees that Lessor shall have no obligation to provide any property insurance on any Improvements or for the Premises. If Lessor does provide any property insurance coverage, Lessee acknowledges that such insurance shall be for the sole benefit of the Lessor and Lessee shall have no right or claim to any such proceeds. (t) Compliance. Lessee's compliance with the requirements of this Section 19 shall not relieve the Lessee of its liability, or be construed to relieve or limit, Lessee of any responsibility, liability, or obligation imposed under any other portion of this Ground Lease, or by law, including any indemnification obligations which Lessee owes to Lessor. (g) Right to Examine. The Lessor reserves the right, upon reasonable notice, to examine the original or true copies of policies of insurance (including binders, amendments, exclusions, riders and applications), or applicable portions of any master insurance policy, to determine the true extent of coverage. The Lessee agrees to permit such inspection and make available such policies or portions thereof at the offices of the Lessor. (h) Personal Property. Any personal property of the Lessee or of others placed in the Premises shall be at the sole risk of the Lessee or the owners thereof, and the Lessor shall not be liable for any loss or damage thereto for any cause except as a result of the gross negligence or willful misconduct of the Lessor or its employees, agents or contractors. 32 Page 81 of 272 (i) The Lessor and the Lessee specifically agree that, except as otherwise provided in this Ground Lease, damage to or destruction of any Improvements on or within the Property at any time during the Term,by fire or any other Casualty whatsoever, shall not work a termination hereof or authorize the Lessee or those claiming by, through or under the Lessee to quit or surrender possession of the Property or any part thereof, and shall not release the Lessee in any way from its liability to pay the Lessor the Rent herein provided for,or from any of the provisions hereof. (j) Termination Prior to Completion of Reconstruction Work. In the event of the termination hereof before the expenditure of the full amount of such insurance proceeds for the Reconstruction Work, any unexpended balance thereof, including any interest previously earned by such balance, shall, subject to paragraph (k) below, inure to and become the sole property of the Lessor. (k) Indenture Shall Control. Notwithstanding anything else herein contained, the provisions of the Indenture shall control in all respects the receipt, handling, and application of any and all insurance proceeds, it being acknowledged and agreed that the Trustee or such other Primary Leasehold Mortgagee,as their respective interests may appear,shall have a first and prior security interest therein. Section 20. Condemnation. (a) General. The term "condemnation" as used in this Ground Lease means the taking or appropriation of property, or any interest therein, in exercise of the power or right of eminent domain or such taking for public or quasi-public use or any state of facts relating to the taking or appropriation of property that, without an actual taking or appropriation, shall result in direct or consequential damages to the Project or to the Property or the leasehold interest therein. Such term shall also be deemed to include to the extent not otherwise defined in this paragraph, a temporary taking of the Property and/or the Project or any part thereof or the Improvements thereon for a period of one year or more,and the taking of the leasehold interest created therein. (b) Total Condemnation. If all of the Project and the Property (or such substantial portion thereof as shall, in the Lessor's sole discretion, make it economically unfeasible to continue to operate the remaining portion for the purpose herein) shall be so condemned, this Ground Lease shall terminate on the date title to the Property shall vest in the condemnor; provided,however, that such termination shall be without prejudice to the rights of the Lessor to recover just and adequate compensation from any such condemnor. If this Ground Lease shall be terminated as provided in this subsection, the Lessee shall pay the Rent for the year in which the Property shall have been taken, up to the date of such termination. The Rent shall be payable within sixty (60) days after the date this Ground Lease shall be terminated. (c) Division of Award - Total Condemnation. Subject to the controlling terms and conditions of the Indenture relating to the administration of condemnation proceeds, if the Property and the Project shall be totally condemned as provided in subsection (b) above, the condemnation proceeds shall be paid as follows: 33 Page 82 of 272 • (i) the Lessee first shall be entitled to receive such portion of the condemnation proceeds as shall equal the principal balance of all indebtedness secured by any Permitted Leasehold Mortgage then in effect, plus all interest accrued or to accrue on such sums through the date of payment or redemption of such indebtedness, l�us any other direct out- of-pocket expenses incurred by the Lessee in connection with the condemnation not paid from the Operating Account which shall be directly paid to such Permitted Leasehold Mortgagee; and (ii) the Lessor shall then be entitled to receive the balance of the condemnation proceeds. (d) Partial Condemnation.In the event of a taking of less than a total taking as provided in subsection (b) above, this Ground Lease shall terminate as to the condemned portion of the Property on the date title to the condemned portion of the Property shall vest in the condemnor; provided,however, that such termination shall be without prejudice to the rights of the Lessor to recover just and adequate compensation from any such condemnor. The provisions hereof shall remain in full force and effect as to the portion of the Property not condemned. (e) Division of Award- Partial Condemnation. Subject to the controlling terms and conditions of the Indenture relating to the administration of condemnation proceeds, if the Property and the Project shall be partially condemned as provided in subsection (d) above, the condemnation proceeds shall be paid as follows: (i) the Lessee first shall be entitled to receive such portion of the condemnation proceeds as shall equal the principal balance of all indebtedness secured by any Permitted Leasehold Mortgage then in effect, plus all interest accrued or to accrue on such sums through the date of payment or redemption of such indebtedness,plus any other direct out- of-pocket expenses incurred by the Lessee in connection with the condemnation not paid from the Operating Account which shall be directly paid to such Permitted Leasehold Mortgagee; and (ii) the Lessor shall then be entitled to receive the balance of the condemnation proceeds. Section 21. Estoppel Certificates. (a) Upon the request of any Permitted Leasehold Mortgagee or any Person who may be permitted to take an assignment of this Ground Lease or who may become a Permitted Leasehold Mortgagee, the Lessor and the Lessee shall execute, acknowledge, and deliver to the other promptly upon request,in a form reasonably satisfactory to the requesting party,a certificate certifying as to the following: (i) Validity of Lease:that this Ground Lease is unmodified and in full force and effect (or, if there have been modifications, that this Ground Lease is in full force and effect, as modified, and stating the modifications); (ii) Payment of Rent:the dates through which the Rent under this Ground Lease • shall have been paid; 34 Page 83 of 272 (iii) Amount of Rent Due: the amount of any Rent then payable; and (iv) Defaults by the Lessee: that no notice has been given by the Lessor to the Lessee of any failure to comply under this Ground Lease that has not been cured and to the best of its knowledge and belief, and without any independent inquiry or investigation thereof, no Event of Default exists (or, if there has been any notice given or an Event of Default exists, describing the same). (b) Certificates from the Lessor and the Lessee pertaining to the same matters may be relied upon by any Person who may be permitted to take an assignment of this Ground Lease or who may become a Permitted Leasehold Mortgagee in accordance with the terms of this Ground Lease. Section 22. Access to Premises. The Lessor and its authorized representatives, agents, employees,and attorneys may,but shall be under no duty to,enter the Premises at reasonable times and hours, subject to the rights of tenants in possession, if any, to inspect the Property in order to determine whether the Lessee is complying with its undertakings, duties, and obligations under this Ground Lease, to make such necessary repairs, additions, improvements, changes, or alterations to the Premises as the Lessor may elect to make in accordance with the terms and • provisions hereof(the Lessor agreeing to provide five (5) Business Days' prior written notice of its intent to make such necessary repairs, additions, improvements, changes, or alterations to the Premises, except in the case of an emergency where no such prior notice shall be required), and to exhibit the same to prospective purchasers,operators,mortgagees,or tenants of the Premises. Such entry, inspection and repairs, additions, improvements, changes, or alterations as the Lessor may make of the Premises shall not constitute an eviction of the Lessee in whole or in part, and the Rent shall in no way abate by reason of loss or interruption of the business of the Lessee or otherwise while such work is being done. The Lessor agrees to employ its reasonable efforts to minimize any interruption to the business operations of the Lessee resulting from the Lessor's (or its designated representatives') work in or on the Premises. Nothing herein contained, however, shall be deemed or construed to impose upon the Lessor any obligation or liability whatsoever for care, supervision, repair, improvement, additions,change, or alteration to the Premises other than as herein expressly provided. Further, nothing in this Section shall be construed to permit the Lessor to make any material changes, improvements,and/or alterations to the Premises,including, without limitation, any demolition or removal thereof if such action would violate any restrictions imposed upon the Lessee with respect to the same under any Bond Document. Section 23. Property Subject to Zoning. The Lessee takes the Property subject to all zoning regulations and ordinances now or hereafter in force including, but not limited to, those as to building line and setback. Section 24. Events of Default and Remedies. (a) Events of Default Defined. The following shall be "Events of Default" under this Ground Lease, and the term "Event of Default" means, whenever it is used herein, any one or more of the following events: 35 Page 84 of 272 (i) The Lessee shall fail to pay the Rent or any other amounts due to the Lessor at the times specified herein. (ii) The Lessee shall fail to perform or cause to be performed any other term, covenant,condition,or provision hereof,other than as referred to in(i)above and to correct such failure within thirty (30) days after written notice specifying such shall have been given to the Lessee by the Lessor. In the case of any such failure that cannot with due diligence be corrected within such thirty (30) day period, but can be wholly corrected within a period of time not materially detrimental to the rights of the Lessor, it shall not constitute an Event of Default if corrective action shall be instituted by the Lessee within the applicable period and diligently pursued until the failure shall be corrected in accordance with and subject to any reasonable directions or limitations of time established in writing by the Lessor. (iii) The Lessee shall be adjudicated a bankrupt. (iv) A permanent receiver shall be appointed for the Lessee's interest in the Premises and such receiver shall not be removed within ninety (90) days after notice from the Lessor to the Lessee to obtain such removal. (v) The Lessee shall voluntarily take advantage of any debtor relief proceedings under any present or future law whereby the Rent or any part thereof shall be reduced or payment thereof deferred or shall become subject to any such involuntary proceedings and said involuntary proceedings shall not be dismissed within ninety (90) days after notice from the Lessor to the Lessee to obtain such dismissal. (vi) The Lessee shall make a general assignment for benefit of creditors. (vii) Any of the Lessee's interest in the Premises under this Ground Lease shall be levied upon or attached under process against the Lessee, and the same shall not be satisfied or dissolved within ninety (90) days after notice from the Lessor to the Lessee to obtain satisfaction or dissolution thereof. (b) Remedies. Subject to the provisions of Section 26(t) and 36(i) hereof, upon the occurrence of an Event of Default, the Lessor may pursue one of the following remedies: (i) Terminate this Ground Lease immediately upon written notice thereof to the Lessee, and thereafter, without legal process, enter upon and take possession and control of the Premises to the complete exclusion of the Lessee. The Lessor may also demand, collect, and retain all rents due from tenants occupying the Premises, and the Lessor may otherwise treat and occupy the Premises as if this Ground Lease had expired pursuant to the terms hereof. The failure of the Lessor to exercise such rights after one or more Events of Default shall not be a waiver of the rights of the Lessor upon the occurrence of any subsequent Event of Default; or (ii) As the Lessee's attorney-in-fact pursuant to the provisions of Section 12 of this Ground Lease, without terminating this Ground Lease, re-let the Premises upon obtaining the written consent of the Primary Leasehold Mortgagee. Such re-letting may be 36 Page 85 of 272 accomplished without advertisement and by private negotiations for such term or terms and at such rental or rentals as the Lessor in its sole discretion may deem proper and advisable, with the right to make alterations and repairs to the Premises. Upon each such reletting: (A) the Lessee shall be immediately liable to pay to the Lessor, in addition to any sums due hereunder, the reasonable cost and expenses of such reletting and of such alterations and repairs incurred by the Lessor; and (B) subject to applicable law, rents received by the Lessor from such reletting shall be applied: First, to the payment of any costs and expenses of such re-letting and of such alteration and repair; Second, so long as the Series 2022 Bonds are Outstanding, to the Trustee for deposit in the Revenue Fund or, if the Series 2022 Bonds have been paid in full, to the payment of Rent due and unpaid under this Ground Lease; and Third,the residue,if any,shall be held by the Lessor, in escrow, and applied to the payment of the Rent as the same shall become due under this Ground Lease at the termination hereof. The Lessor shall in no event be liable to the Lessee for any interest on said residue. Section 25. Expiration or Termination. (a) Extinguishment of the Lessee's Rizhts. Upon the termination or expiration hereof from any cause, all rights and interests of the Lessee, and all persons whomsoever claiming by, through or under the Lessee (with the exception of any outstanding Occupancy Agreements and the rights of the Primary Leasehold Mortgagee to enter into a Mortgagee Lease pursuant to Section 26 hereof), shall immediately cease and terminate, and the Premises, including all Improvements (including, without limitation, all buildings, improvements, engines, machinery, dynamos, generators, boilers, furnaces, elevators, fire escapes, and all lifting, lighting, heating, cooling, refrigerating, air conditioning, ventilating, gas, electric and plumbing apparatus, appliances and fixtures, as well as other fixtures attached to or within the Premises), and all personal property (other than that which is owned by tenants of the Project) located thereon, shall thence forward constitute and belong to and be the absolute property of the Lessor or the Lessor's successors and assigns,without further act or conveyance, and without liability to make such compensation to the Lessee or to anyone whomsoever, and free and discharged from all and every lien, encumbrance, claim, and charge of any character created or attempted to be created by the Lessee at any time. The Lessee agrees, at the expiration or termination hereof, to surrender unto the Lessor, all and singular the Premises with then existing Improvements constructed and located thereon and therein, in the same condition as when the construction of such Improvements was completed, only natural and normal wear and tear excepted, unless the Lessee shall be relieved of the Lessee's obligation to repair,reconstruct,restore, or replace damaged or destroyed Improvements pursuant to Section 19(a) hereof. (b) Prepaid Items Assiened. Upon the expiration of the Term, or upon the prior termination hereof from any cause, all expense items prepaid by the Lessee with respect to constructing, operating, maintaining, and protecting the Premises, including, but not limited to, prepaid insurance premiums, any tax and utility deposits,shall inure to the benefit of and become 37 Page 86 of 272 the property of the Lessor and to this extent the Lessee does hereby transfer, assign, and convey any such prepaid expense items to the Lessor. (c) Amounts Remaining in Funds and Accounts. Upon the expiration of the Term, or upon the prior termination hereof from any cause, and subject, in the event of termination before the expiration of the Term of this Ground Lease, to the rights interests of the Trustee and/or any Permitted Leasehold Mortgagee,any amounts remaining in any fund, account, or reserve created in connection with the maintenance of the Property, or the management of the Project shall inure to the benefit of and become the property of the Lessor,and to this extent,the Lessee does hereby transfer, assign, and convey any such funds to the Lessor. Section 26. Mortaaaina of the Leasehold. (a) The Lessee, and every permitted successor and assign of the Lessee, shall have the right in addition to any other rights granted in this Ground Lease to secure one or more financings , or re-financings and may enter into a Primary Leasehold Mortgage in favor of a Primary Leasehold Mortgagee, and may otherwise encumber its interest in this Ground Lease, with the Lessor's consent, under any one or more leasehold deeds of trust or other security instrument pledging all or part of the Leasehold Estate to or for the benefit of a Permitted Leasehold Mortgagee,upon the condition that all rights acquired under any such financing or re-financing shall be subject to each of the provisions set forth in this Ground Lease and to all rights and interests of the Lessor herein (a"Permitted Leasehold Mortgage"),and provided, further that: (i) any such secured financing of the Project exclusively secures debt of the Lessee with respect to the Project; (ii) any Permitted Leasehold Mortgage or other encumbrance executed by the Lessee in connection with a Permitted Leasehold Mortgage or otherwise will not extend to or be a lien or encumbrance upon Lessor's interest in the Ground Lease or Property or in any rights appurtenant to Lessor's interests; (iii) any Permitted Leasehold Mortgage or other encumbrance executed by the Lessee in connection with a Permitted Leasehold Mortgage shall at all times, without the necessity of for the execution of any further documents, be subject and subordinate to the interest of the Lessor in the Premises, and the rights of the Lessor in the Premises and arising out of the Ground Lease shall not be affected by any Permitted Leasehold Mortgagee, nor shall the Lessor be deprived in any other way of its rights in the Premises or under this Ground Lease, except to the extent provided in this Section or in any subordination, non-disturbance and recognition agreement between the Lessor and the Primary Leasehold Mortgagee that is consistent with the terms of this Ground Lease; and (iv) Lessee shall at all times remain liable hereunder for the payment of Rent and the performance of all covenants and conditions of this Ground Lease as provided in this Ground Lease. Subject to the provisions of subsection (k) below, the Lessor may enter into a Refinanced Trustee Mortgage. If, from time to time, the Lessee or the Lessee's successors and assigns shall, with the consent of the Lessor, encumber this Ground Lease with a Primary Leasehold Mortgage, 38 Page 87 of 272 and if the holder thereof shall deliver to the Lessor an executed counterpart of such Primary Leasehold Mortgage, together with each assignment thereof certified by such holder to be true together with written notice specifying the name and address of such holder and the pertinent recording data with respect to such Primary Leasehold Mortgage, the Lessor agrees that, anything in this Ground Lease to the contrary notwithstanding, from and after the date of receipt by the Lessor of such notice and for the term (duration) of such Primary Leasehold Mortgage, the following provisions shall apply: (b) Consent to Amendment. There shall be no cancellation or surrender of this Ground Lease(except upon the expiration of the Term),or modification of this Section,or other provisions of this Ground Lease intended for the benefit of the Primary Leasehold Mortgagee. by the Lessor or the Lessee without the prior written consent of the Primary Leasehold Mortgagee,which consent shall not be unreasonably withheld. Notwithstanding the foregoing (but, in any event, subject to the Primary Leasehold Mortgagee's curative rights set forth in subsections (d) and (e) hereof), nothing herein shall be deemed to prohibit the Lessor from terminating this Ground Lease in accordance with its terms or exercising its option to purchase as provided for in this Ground Lease, if any. There shall be no material modification in the Primary Leasehold Mortgage or related documentation without the Lessor's prior,written consent, which consent will not be unreasonably withheld, so long as Lessor's interests in the Ground Lease and the Property are not adversely affected thereby. (c) Notices to Permitted Leasehold Mortgagee. The Lessor, upon serving the Lessee with any notice of an Event of Default, failure to comply, or termination, shall simultaneously serve a copy of such notice on the Primary Leasehold Mortgagee. If the Lessor shall serve the Lessee with a notice of a failure to comply with any term, covenant, condition, or provision hereof, the Primary Leasehold Mortgagee shall then have the same period after service of the notice on it as is given to the Lessee hereunder to remedy or cause to be remedied such failure, and the Lessor shall accept performances by or at the instigation of the Primary Leasehold Mortgagee as if it had been done by the Lessee. Any notice required to be given to the Primary Leasehold Mortgagee shall be posted in the United States mail, postage prepaid, certified, return receipt requested (and wired by telegraphic means or transmitted by facsimile transmission) and addressed to the Primary Leasehold Mortgagee at the address and to the attention of the person designated to the Lessor by such Primary Leasehold Mortgagee to receive copies of such notices and shall be deemed to have been served as of the date the said notice is received or refused by such Primary Leasehold Mortgagee. (d) Curative Rights of Permitted Leasehold Mortgagees. In addition to the rights granted to any Primary Leasehold Mortgagee under this Section, the Primary Leasehold Mortgagee shall have an additional period of ninety(90) days to remedy or cause to be remedied any Event of Default of which it shall have received notice; provided,however, in no event shall Primary Leasehold Mortgagee, its successors, assigns, nominee, or any purchaser be required to cure the following Events of Default: (a) any bankruptcy of the Lessee; (b) the Lessee's insolvency; and (c) the failure of the Lessee to perform financial covenants contained in this Ground Lease that are personal to the Lessee. (e) Limitation Upon Termination Rights of the Lessor. If the Lessor shall elect to terminate this Ground Lease upon the occurrence of an Event of Default, the Primary Leasehold 39 Page 88 of 272 Mortgagee shall also have the right to postpone and extend the date of termination as fixed by the provisions hereof for a period of not more than six (6) months from the expiration of the ninety (90)day period specified in subsection(c)hereof,provided that the Primary Leasehold Mortgagee shall pay the Rent and other charges required to be paid under this Ground Lease during such period and comply with the other terms of the Ground Lease in all material respects,and provided further,that the Primary Leasehold Mortgagee shall forthwith take steps necessary to acquire the Lessee's interest and estate in this Ground Lease by foreclosure of its Permitted Leasehold Mortgage, or otherwise, and shall prosecute such action to completion with due diligence. If at the end of the six (6) month period, the Primary Leasehold Mortgagee hereof shall be actively engaged in steps to acquire or sell the Lessee's interest in this Ground Lease, the time for the Primary Leasehold Mortgagee to comply with the provisions of this subsection shall be extended for such period as shall be reasonably necessary to complete these steps with reasonable diligence and continuity. (f) Assignment. The Lessor agrees that in the event of any foreclosure under any Permitted Leasehold Mortgage, either by judicial proceedings or under power of sale contained therein all right, title, and interest encumbered by such Permitted Leasehold Mortgage may, without the consent of the Lessor, be assigned to and vested in the purchaser at such foreclosure sale subject and subordinate, however, to the rights, title, and interests of the Lessor; and, notwithstanding that the Lessor's consent to said assignment shall not have been obtained, any such assignee shall be vested by virtue of such assignment with any and all rights of the party whose estate was encumbered by such Permitted Leasehold Mortgage as though the Lessor had consented thereto. Any Permitted Leasehold Mortgagee, assignee or subsequent foreclosure purchaser must comply with, and shall be subject to, all terms, covenants and conditions of the Ground Lease. (g) Mortgagee Leases. The Lessor agrees that in the event of a termination hereof by reason of the occurrence of any Event of Default, and subject to the rights herein granted to Leasehold Mortgagees, the Primary Leasehold Mortgagee shall have the option, but not the obligation,to enter into a Mortgagee Lease,with the Primary Leasehold Mortgagee,as lessee,for the remainder of the Term with the same covenants, conditions and agreements (except for any requirements which have been fully satisfied by Lessee or Lessor prior to termination);provided: (i) The Primary Leasehold Mortgagee shall enter into a Mortgagee Lease within the six(6) month period specified in subsection (e) of this Section, with Lessor's obligation to enter into a Mortgagee Lease conditioned upon, on the date the Mortgagee Lease is executed, (A) Lessor receiving payment of all Rent due hereunder through the date of such Mortgagee Lease; (B) all monetary defaults having been cured; (C) all non- monetary defaults susceptible to cure having been remedied and cured or Primary Leasehold Mortgagee, as lessee,having commenced such cure and continuing to diligently complete the cure; and (D) the Lessor receiving payment of all expenses, including reasonable attorneys' fees and disbursements and court costs, incurred by the Lessor in connection with such Event of Default, the termination of this Ground Lease and the preparation of the new Mortgagee Lease together with interest thereon at the Default Rate from the due date or the date expended by the Lessor, as the case may be, to the date of actual payment by the Primary Leasehold Mortgagee. 40 Page 89 of 272 (ii) Lessor's delivery of the Mortgagee Lease shall be (a) made without representation or warranty of any kind or nature whatsoever either express or implied; (b) Primary Leasehold Mortgagee,as lessee, shall take such Premises"as-is" in its then current condition; and (c) upon execution and delivery of such Mortgagee Lease, Primary Leasehold Mortgagee,as lessee,at its sole cost and expense,shall be responsible for taking such action as shall be necessary to cancel and discharge this Ground Lease and to remove Lessee from the Premises. (iii) The Primary Leasehold Mortgagee, as lessee under the Mortgagee Lease, shall perform and observe all covenants contained in the Mortgagee Lease on the Lessee's part to be performed during such period of time commencing with the date of the execution of the Mortgagee Lease and terminating dpon the abandonment or surrender of possession of the Premises under the said Mortgagee Lease. (iv) The Primary Leasehold Mortgagee, as lessee under the Mortgagee Lease shall have the same right, title and interest in and to the Premises and the right to use the Improvements thereon as the Lessee had under this Ground Lease. (h) Agreement Between the Lessor and the Primary Leasehold Mortgagee.The Lessor, upon request, shall execute, acknowledge, and deliver to the Primary Leasehold Mortgagee an estoppel and recognition agreement, in form reasonably satisfactory to the Primary Leasehold Mortgagee and the Lessor, by and among the Lessor, the Lessee, and the Primary Leasehold Mortgagee agreeing to all of the provisions of this Section. (i) Limitation on Liability of the Permitted Leasehold Mortgagees. Notwithstanding any other provision hereof, the Lessor agrees that any Permitted Leasehold Mortgagee permitted under this Ground Lease shall in no manner or respect whatsoever be(i) liable or responsible for any of the Lessee's obligations or covenants under this Ground Lease(nor shall any rights of such Permitted Leasehold Mortgagee be contingent on the satisfaction of such obligations or covenants),or(ii)required to cure any Event of Default,provided;however,that if such Permitted Leasehold Mortgagee shall become the owner of the Leasehold Estate or shall become the lessee under a Mortgagee Lease, then such Permitted Leasehold Mortgagee shall be responsible and liable for all obligations and covenants accruing during such Permitted Leasehold Mortgagee's tenure as owner of the Leasehold Estate or as lessee under a Mortgagee Lease. Notwithstanding the foregoing, the liability of a Permitted Leasehold Mortgagee with respect to its obligations under this Ground Lease or any Mortgagee Lease shall be "non-recourse" and, accordingly, the Lessor's source of satisfaction of such obligations shall be limited to the Net Available Cash Flow and to the Lessee's interest in the Project,and the Lessor shall not seek to obtain payment through any judicial process or otherwise from any person or entity comprising such Permitted Leasehold Mortgagee or from any assets of such. Permitted Leasehold Mortgagee other than the Net Available Cash Flow and the Lessee's interest in the Project. (j) No Waiver of Lessee's Obligations or Lessor's Rights.Nothing contained herein or in any Permitted Leasehold Mortgage shall be deemed or construed to relieve Lessee from the full and faithful observance and performance of its covenants, conditions and agreements contained in this Ground Lease,or from any liability for the non-observance or non-performance thereof, or to require, allow or provide for the subordination to the lien of such Permitted 41 Page 90 of 272 Leasehold Mortgage or to any Permitted Leasehold Mortgagee of any estate,right,title or interest of the Lessor in or to the Ground Lease, Premises or Property, nor shall the Lessor be required to join in such mortgage financing or be liable for same in any way. Lessor's interest in the Property and this Ground Lease, as the same may be modified, amended or renewed, will not at any time be subject or subordinate to (a) any mortgage now or hereafter placed upon Lessee's interest in this Ground Lease, or(b) any other liens or encumbrances hereafter affecting Lessee's interest in this Ground Lease. Lessor represents and warrants to Lessee that no mortgages currently exist against its fee interest in the Property, and acknowledges that this Ground Lease shall not be subordinate to any future mortgage against the fee interest in the Property._Notwithstanding anything to the contrary contained in this Ground Lease, if all or any portion of the interest of Lessor in the Property or this Ground Lease shall be acquired by reason of foreclosure of any mortgage,security agreement, lien or other encumbrance or other proceedings brought to enforce the rights of the holder(s)thereof,by deed in lieu of foreclosure or by any other method, and as a result any Person succeeds to such int;rests of City, this Ground Lease and the rights of Lessee hereunder shall continue in full force and effect and shall not be terminated or disturbed except as otherwise expressly permitted by the terms of this Ground Lease. (k) Refinanced Trustee Mortgage. No consent or approval of the Lessor shall be required for any Refinanced Trustee Mortgage, provided, however,that the Lessor's prior written consent shall be required for: (i) The issuance of any Additional Bonds the proceeds of which are not used to refund or defease any Outstanding Bonds or to pay the cost of issuance thereof, or (ii) The restructuring, refunding or defeasance of any Outstanding Bonds that would: (A) increase the aggregate principal balance of the Bonds outstanding immediately prior to the effective date of such restructuring, refunding or defeasance; (B) extend the final maturity date of the Bonds or other indebtedness secured by the Trustee Mortgage beyond the final maturity date of the Bonds outstanding immediately prior to the effective date of such restructuring, refunding or defeasance; or (iii) Any restructuring,refunding or refinancing of the Bonds,the result of which would require the Lessee to materially increase the rental payments of Eligible Residents. (I) Bankruptcy. If either the Lessee or the Lessor files for bankruptcy protection: (i) If this Ground Lease is rejected by the Lessee or the Lessee's trustee in a bankruptcy proceeding, as between the Lessor and any Permitted Leasehold Mortgagee(in order of priority, if there is more than one Permitted Leasehold Mortgagee), such rejection shall be deemed an assignment of the Ground Lease to such Permitted Leasehold Mortgagee unless the Leasehold Mortgagee shall reject such deemed assignment in a notice sent to Lessor"within thirty(30)days after the later to occur of: (i)the rejection or deemed • 42 Page 91 of 272 rejection of the Ground Lease by the Lessee or the Lessee's trustee; and (ii) the approval of such rejection by the bankruptcy court. (ii) If this Ground Lease is rejected by the Lessor or the Lessor's trustee in a bankruptcy proceeding, this Ground Lease shall not be terminated without the written consent of the Permitted Leasehold Mortgagee. If the Lessor or the Lessor's trustee proposes to sell the Property free and clear of the interest of the Lessee under this Ground Lease,the Lessee and the Permitted Leasehold Mortgagee shall be entitled to notice of any such sale of the Property by the Lessor or the Lessor's trustee.The Lessee and the Permitted Leasehold Mortgagee shall also have the right to contest such sale and to sue for adequate protection of its respective interests hereunder. Section 27. Option to Purchase. Throughout the Term, the Lessor, at its sole discretion, shall have the right and option to purchase the Lessee's right, title, and interest in and to the Project, this Ground Lease, and the applicable Occupancy Agreements (collectively, the "Optioned Property"). (a) Exercise Notice. The Lessor may exercise such option to purchase the Lessee's right, title and interest in and to the Optioned Property by delivering written notice (the "Exercise Notice") of such exercise to the Lessee, which Exercise Notice shall either state that the entirety of the Project is being purchased or identify with a metes and bounds description or lot and block description of the Optioned Property that Lessee desires to purchase. (b) Purchase Price. If the option to purchase shall be exercised,the purchase price(the "Option Price") of the Lessee's right, title, and interest in and to the Optioned Property shall be equal to (i) the principal balance of all indebtedness secured by any Permitted Leasehold Mortgage then in effect,if any,plus(ii)any premium payable upon the prepayment or redemption of such indebtedness, if any,gm(iii) all interest accrued or to accrue on such sums through the date of payment or redemption of such indebtedness, if any, plus (iv) any reasonable costs of defeasing or redeeming the Bonds, as applicable, plus(v)all recording fees for satisfaction of the Lessee's loans relating to the Project, if any, >l lus(vi)all transfer taxes in connection with the sale of the Optioned Property and all recording fees in connection with recording of any deed and assignment, plus (vii) any unpaid fees and/or other compensation due to the Lessee hereunder, plus (viii) all other expenses incurred by the Lessee in connection with the Closing (as defined herein) not paid from the Operating Account. This provision for the Lessor's option shall not be in derogation of the Lessor's power of eminent domain, subject to payment in full of any then outstanding debt under the Leasehold Mortgage. (c) Closing. The closing of the transfer of the Lessee's right,title and interest in and to the Optioned Property (the "Closing") shall be held on or before the date that is ninety (90) days after the date of the Exercise Notice, on such date and at such time and place as the Lessor and the Lessee shall agree. At Closing upon payment of the Option Price, title to the Project shall be conveyed by a limited warranty deed in recordable form executed by the Lessee, title to the Equipment shall be conveyed by a bill of sale containing limited warranties of title, this Ground Lease shall terminate as to the Optioned Property and the Lessee's interest in applicable 43 Page 92 of 272 Occupancy Agreements shall be conveyed by an assignment thereof containing limited warranties of title. If the Optioned Property shall be less than the entire Premises, then the Lessor and the Lessee shall execute an amendment to this Ground Lease at such closing amending the definition of the Premises. (d) Title.The Optioned Property shall be conveyed free and clear of all loans,and shall be subject only to the applicable Occupancy Agreements, to Permitted Encumbrances, and to all matters occurring subsequent to the date hereof that would be disclosed by an accurate survey, title search,and inspection of the Premises. (e) Release of Lessee. Upon the transfer of all of the Lessee's interest in the Optioned Property pursuant to this Section, the Lessee shall be released from, and relieved of, all of its obligations hereunder without any further action on the part of the Lessor or the Lessee. Section 28. Notices. (a) All notices, certificates, demands, requests, or other communications hereunder shall be sufficiently given and shall be deemed given when mailed by certified mail, postage prepaid, return receipt requested, or by personal delivery addressed as follows (email addresses are included for convenience only): If to the Lessee: CFC-MB I, LLC 333 N. Wilmot Road, Suite 227 Tucson, Arizona 85711 Tel: (520) 623-3377 EXT. 122 Fax: (520) 624-1728 Attention: Gary Molenda Email: gmolenda@bdfc.com With a copy to: Lewis Roca Rothgerber Christie LLP 201 East Washington Street, Suite 1200 Phoenix, Arizona 85004-2595 Attention: Bryant D. Barber, Esq. Email: bbarber@lewisroca.com If to the Lessor: City of Miami Beach, City Hall 1700 Convention Center Drive Miami Beach,Florida 33139 Attn: City Manager with a copy to: City of Miami Beach, City Hall 1700 Convention Center Drive Miami Beach, Florida 33139 Attn: City Attorney 44 Page 93 of 272 If to the Trustee: Zions Bancorporation,National Association 7390 N Academy Boulevard Colorado Springs, CO 80920 Attention: Vladimir Munoz Email: Vladimir.Munoz azionsbank.com (b) Receipt of notices, certificates, or other communications hereunder shall occur upon actual delivery to any Person at any location where such Person may be found, or to an officer, agent, or employee of such Person at the address of such Person set forth above, subject to change as provided hereinabove. An attempted delivery in accordance with the foregoing, acceptance of which shall be refused or rejected,shall be deemed to be and shall constitute receipt; and an attempted delivery in accordance with the foregoing by mail,electronic means,messenger, or courier service (whichever shall be chosen by the sender) that is not completed because of changed address of which no notice shall have been received by the sender in accordance with this provision prior to the sending of the notice, certificate,or other communication shall also be deemed to be and constitute receipt. Any Person named in this Section may, by notice given to each of the others, designate any additional or different addresses to which subsequent notices, certificates, demands,requests, or other communications shall be sent. (c) Notwithstanding anything contained herein to the contrary, any notice required to be given by the Lessor or the Lessee hereunder shall be deemed to have been given and shall be effective as of the date such notice is received or refused reflected on said notice. All notices, certificates, demands, requests, or other communications made by either Party to the other that are required or permitted by the provisions hereof shall be in writing. Section 29. Submission of Matters to the Lessor for Approval. Except as to the extent expressly provided for herein to the contrary, any matter that is required to be submitted to and/or consented to or approved in writing by the Lessor or any matter that is required to be submitted to the Lessor that may become effective if not denied, rejected, or disapproved by the Lessor, as required under this Ground Lease, shall be submitted to the applicable Lessor Representative by hand or mailed by United States certified or registered mail return receipt requested or sent by national-recognized overnight courier,to the address of the Lessor designated for the giving of notice to the Lessor under Section 28 hereof and shall either be accepted,affirmed, or approved or denied, rejected, or disapproved by the Lessor within sixty (60) days after receipt unless a shorter period of time is expressly stated elsewhere herein. If the Lessor shall fail so to accept, affirm, or approve or deny, reject, or disapprove within such sixty (60) day or other such shorter period as provided for herein, the Lessor's approval shall be assumed to have been unconditionally granted and the Lessee shall have the right to proceed on such matter so submitted. The Lessor shall inform the Lessee in writing of its acceptance, affirmation, or approval or denial, rejection, or disapproval of such submitted matter by United States certified or registered mail, return receipt requested, or sent by national-recognized overnight courier, to the address of the Lessee designated for the giving of notice to the Lessee in Section 28 hereof. Any review by the Lessor of any matter submitted to the Lessor is for the Lessor's own convenience and purpose only. By undertaking such review, the Lessor shall not have any liability to the Lessee or any other person, including, without limitation,the insurers and lenders of the Lessee. 45 Page 94 of 272 Section 30. Holding Over by the Lessee. The Lessee shall not use or remain in possession of the Premises after the termination hereof Any holding over, or continued use or occupancy by the Lessee after the termination hereof, without the written consent of the Lessor, shall not constitute a tenant-at-will interest in behalf of the Lessee, but the Lessee shall become a tenant-at-sufferance and liable for Rent and all other expenses,obligations, and payments in effect for the immediately preceding year of the Tenn. There shall be no renewal whatsoever hereof by operation of law. Section 31. Environmental Matters. (a) The Lessee covenants,represents,and warrants that the Lessee's use of the Premises shall not and will not involve the use, storage, generation, or disposal of Hazardous Materials in violation of any Environmental Laws, and that Lessee shall not cause or permit any Hazardous Materials to be brought, used, stored, generated, or disposed on or about the Premises by Lessee, its agents, employees, contractors, subcontractors, or invitees, unless such use shall be in compliance with all laws, including, without limitation, Environmental Laws and with all governmental authorities. (b) For purposes of this Ground Lease, the term "Hazardous Materials" means asbestos, asbestos-containing materials, materials presumed by law to contain asbestos, polychlorinated biphenyls("PCBs"),petroleum,petroleum byproducts(including but not limited to, crude oil, diesel oil, fuel oil, gasoline, lubrication oil, oil refuse, oil mixed with other waste, oil sludge, and all other liquid hydrocarbons, regardless of specific gravity), natural or synthetic gas products,radioactive materials,and/or any hazardous or toxic substance,chemical or material, or any other environmentally regulated substance or material, waste, pollutant or contaminant, defined as such or regulated by any Environmental Laws. "Environmental Laws" means any federal,state or local statute,law,ordinance,code,common law,rule,regulation,order or decree, regulating, relating to or imposing liability or standards of conduct concerning the protection of the environment, natural resources, health and safety, and/or activities involving any asbestos, asbestos-containing materials, materials presumed by law to contain asbestos, PCBs, petroleum, petroleum byproduct (including but not limited to, crude oil, diesel oil, fuel oil, gasoline, lubrication oil,oil refuse,oil mixed with other waste,oil sludge,and all other liquid hydrocarbons, regardless of specific gravity) natural•or synthetic gas products, radioactive materials, and/or hazardous or toxic substances, chemicals or materials, or any other waste, materials,pollutant or contaminant that is regulated to protect the environment, as may now or at any time hereafter be in effect, including without limitation, the Comprehensive Environmental Response, Compensation, and Liability Act, the Resource Conservation and Recovery Act, the Clean Air Act, the Clean Water Act, the Toxic Substances Control Act, the Emergency Planning and Community Right-To-Know Act, and the Occupational Safety and Health Act. Section 32. Property Condition. THE LESSOR AND THE LESSEE ACKNOWLEDGE AND AGREE THAT, EXCEPT AS EXPRESSLY PROVIDED IN SECTION 9 HEREOF, NEITHER THE LESSOR OR ANY OF ITS TRUSTEES, OFFICERS, AGENTS, EMPLOYEES, OR REPRESENTATIVES MAKES OR HAS MADE ANY WARRANTIES OR REPRESENTATIONS OF ANY KIND OR CHARACTER, EXPRESS OR IMPLIED, WITH RESPECT TO THE PROPERTY OR ANY PORTION THEREOF,THE PROPERTY'S PHYSICAL CONDITION,INCOME TO 46 Page 95 of 272 BE DERIVED OR EXPENSES TO BE INCURRED WITH RESPECT TO THE PROPERTY,THE PROPERTY'S FITNESS OR SUITABILITY FOR ANY PARTICULAR USE, OR ANY OTHER MATTER OR THING RELATING TO OR AFFECTING THE SAME, AND THERE ARE NO ORAL AGREEMENTS, WARRANTIES, OR REPRESENTATIONS COLLATERAL TO OR AFFECTING THE PROPERTY OR ANY PORTION THEREOF,EXCEPT AS MAY BE EXPRESSLY SET FORTH HEREIN,AND THAT THE LESSEE HAS INSPECTED THE PROPERTY AND LEASES THE PROPERTY "AS IS AND WHERE IS." Section 33. Lessor's Contribution to the Project. Lessor hereby agrees that it will use reasonable efforts to garner support for an amendment to Chapter 133 of the City Code to exempt workforce and affordable housing projects developed within the City of Miami Beach from the "sustainability fee"contemplated in Chapter 133 (the"Sustainability Fee"). If unsuccessful in its efforts to secure the elimination or reduction of the Sustainability Fee before the Project applies for a Temporary Certificate of Occupancy(TCO), Certificate of Occupancy(CO)or Certificate of Completion (CC) (or is otherwise required to pay or post a bond pursuant to the requirements of Section 133-7(a)at such time),the Lessor hereby agrees to make direct payment equal to the lesser of(a)the total Sustainability Fee charged against the Project plus one hundred thousand and 00/100 dollars ($100,00.00) or (b) five hundred thirty-two thousand four hundred fifty-one and 00/100 dollars ($532,451.00) less the amount of any reduction in concurrency, mobility, or Art in Public Places fees(the lesser of(a)and(b)is referred to as the"Lessor Contribution"). In consideration of the Lessor's agreement to seek the amendment to Chapter 133 and make the Lessor Contribution if necessary, Lessee agrees to cause the Developer (a) to limit the "Developer Fee" identified in the Development Agreement to no more than one million three hundred ninety-five thousand and 00/100 dollars ($1,395,000.00) regardless of the total cost of the Project and (b) to reduce the Developer Fee by one hundred thousand and 00/100 dollars ($100,000.00) if Chapter 133 of the City Code is amended such that the Project is exempt from the Sustainability Fee in its entirety. Section 34. Leasehold Condominium. Lessee shall have the right to create a leasehold condominium for the Project, if such condominium structure is deemed necessary to secure or preserve any exemption from ad valorem taxes, provided that at the time of creation of said leasehold condominium,the declaration of condominium(the"Declaration")is in compliance with Chapter 718, Florida Statutes, as amended, and the provisions of this Ground Lease and the Bond Documents; and further subject to the City Manager's approval of the form and substance of the Declaration. Lessee shall reimburse Lessor, as part of the Expenses, for all reasonable costs of Lessor's review of the proposed Declaration,including,but not limited to reasonable fees and costs of Lessor's outside counsel. The leasehold condominium shall be limited to three (3) units, consisting of the Ground Floor condominium unit,the Dormitory Housing condominium unit, and one (1) condominium unit comprising all of the Workforce Housing Units. The Rent shall be based upon the Revenues derived from the operations of each of the three units. The provisions of this Ground Lease related to transfers or assignments of the Ground Lease shall apply to any transfer or assignment of each of the three(3)units,respectively, in the same manner as applicable to a transfer or assignment of the Ground Lease. Section 35. Release of Portions of the Property. The Parties also agree that any portion of the Property may, from time to time, upon the written agreement of the Parties, be released from the terms of this Ground Lease; subject,however,to the terms and conditions of the 47 Page 96 of 272 Bond Documents or, if the Bonds are no longer Outstanding, the applicable requirements of any other Primary Leasehold Mortgagee. Section 36. Miscellaneous. (a) No Waiver of Rights by the Lessor. No failure of the Lessor to exercise any power given the Lessor hereunder or to insist upon strict compliance by the Lessee with its undertakings, duties and obligations hereunder, and no custom or practice of the Parties at variance with the provisions hereof shall constitute a waiver of the Lessor's right to demand exact compliance with the provisions contained in this Ground Lease. (b) Rights are Cumulative. All rights, powers, and privileges conferred herein upon both Parties shall be cumulative. (c) Provisions are Binding Upon Assigns and are Real Covenants. It is mutually covenanted, understood and agreed by and between the Parties,that each of the provisions hereof shall apply to, extend to, be binding upon and inure to the benefit or detriment of not only the Parties, but also the respective legal representatives, successors and assigns of the Parties, and shall be deemed and treated as real covenants running with the Property during the Term. The Parties further acknowledge and agree that the Trustee and any other Permitted Leasehold Mortgagee and their respective successors and assigns shall be deemed third party beneficiaries hereunder, but solely with respect to the enforcement of any rights or interests expressly granted hereunder to such Permitted Leasehold Mortgagees. Whenever a reference to either of the Parties is made, such reference shall be deemed to include the legal representatives, successors and assigns of said Party,the same as if in each case expressed. (d) Applicable Law; Venue. This Ground Lease has been prepared and entered into by the Parties with the intention that the law of the State, exclusive of the State's rules governing • choice of law,shall govern its construction. (e) All Genders and Numbers Included. Whenever the singular or plural number, or masculine, feminine, or neuter gender is used in this Ground Lease, it shall equally apply to, extend to, and include the other. (f) Invalidity of Provision or Part Thereof. In the event any provision, or any portion of any provision hereof shall be held invalid,the other provisions hereof and the remaining portion of said provision, shall not be affected thereby and shall continue in full force and effect. (g) Time is of the Essence.All time limits stated in this Ground Lease are of the essence hereof. (h) Section Captions are to be Disregarded. The captions of the numbered sections hereof are for purposes of identification and convenience only and are to be completely disregarded in construing this Ground Lease. (i) Subordination.Except with respect to the Lessor's interest in the Ground Lease and the Lessor's fee interest in the Property,which interests shall not be subordinated to the rights of the Lessee, Permitted Leasehold Mortgagee, Trustee, or Bondholders, the Lessor agrees that the 48 Page 97 of 272 financing of the design, acquisition, construction, furnishing, and equipping of the Project will directly benefit the Lessor's operations and the Lessor agrees that its interest in and to the rents, revenues, issues and profits relating to the operation of the Project, including, without limitation, all insurance proceeds, reserve funds and gross revenues, as well as any and all rights to any and all contracts, agreements and other instruments in connection with the design, acquisition, construction, equipping, installation, and operation of the Project, including, without limitation, all Assigned Agreements shall be junior and subordinate to the interest of the Trustee in any such Assigned Agreements as granted or provided in any of the Bond Documents (collectively, the "Bond Collateral"). So long as any of the indebtedness created, evidenced, or secured by any of the Bond Documents shall remain outstanding and unpaid,the Lessor shall not exercise any rights or remedies with respect to the Bond Collateral without obtaining the prior written consent of the Trustee or any other Primary Leasehold Mortgagee succeeding to the interests of the Trustee. (j) Entire Agreement Contained Herein. The making, execution and delivery hereof by the Lessee has not been induced by any representations, statements, covenants or warranties by the Lessor except for those contained in this Ground Lease.This Ground Lease constitutes the full, complete and entire agreement between the Parties; no agent, employee, officer, representative or attorney of the Parties has authority to make, or has made, any statement, agreement,representation or contemporaneous agreement,oral or written, in connection herewith modifying, adding to or changing the provisions.hereof. No amendment hereof shall be binding unless such amendment shall be in writing, signed by both Parties and approved by the Primary Leasehold Mortgagee or Permitted Leasehold Mortgagee, as applicable, and attached to, incorporated in and by reference made a part hereof. (k) No Partnership or Agency. Nothing in this Ground Lease is intended, or shall in any way be construed, so as to create any form of partnership or agency relationship between the Parties. The Parties hereby expressly disclaim any intention of any kind to create any partnership or agency relationship between themselves. Nothing in this Ground Lease shall be construed to make either Party liable for any of the indebtedness of the other, except as specifically provided herein. (I) Limitation of Liability. Notwithstanding anything herein to the contrary, the liability of the Lessee hereunder(including, but not limited to its indemnity obligations) shall be limited to the Lessee's interest in the Premises and the rents, issues and surplus related thereto and, accordingly, the Lessor's sole source of satisfaction of such obligations shall be limited to such assets,and the Lessor shall not seek to obtain payment from any person or entity comprising the Lessee or from any assets of the Lessee other than those described herein, notwithstanding the survival of any obligation of the Lessee beyond the Term. (m) Recordation of Memorandum of Lease. The Lessor and the Lessee agree that the Parties shall execute, seal,acknowledge,and deliver simultaneously with the execution hereof, in recordable form, a memorandum of lease setting forth the basic terms hereof. (n) Counterparts. This Ground Lease may be executed simultaneously in two or more counterparts, each of which shall be deemed original and all of which,when taken together, shall constitute one in the same document. The signature of any Party to any counterpart shall be deemed a signature too, and may be appended to, any other counterpart. 49 Page 98 of 272 (o) Preservation of Tax Exemption. The Lessor shall not take any action with respect to the Project that would adversely affect the exemption, if any, of interest on any Bonds from gross income for federal income tax purposes or would otherwise result in a breach of any representations, conditions, or covenants of the Lessee as set forth in the Bond Documents. (p) , Language Construction. The language in all parts hereof shall be construed, in all cases, according to its fair meaning, and not for or against either Party. The Parties acknowledge that each Party and its counsel have reviewed and revised this Ground Lease and that the normal rule of construction to the effect that any ambiguities are to be resolved against the drafting Party shall not be employed in the interpretation hereof. (q) City Manager's Delezated Authority. Notwithstanding any provision to the contrary in this Ground Lease, nothing herein shall preclude the City Manager from seeking direction from or electing to have the City Commission determine any matter arising out of or related to this Ground Lease, including,without limitation,any approval contemplated under this Ground Lease, any proposed amendment or modification to this Ground Lease, or any separate agreement relating to the Premises or otherwise referenced in this Ground Lease. (r) Nondiscrimination. Lessee, Asset Manager, and its employees, agents and representatives shall not discriminate against any employee, applicant for employment, vendor, Eligible Resident or invitee because of actual or perceived race, color, national origin, religion, sex, intersexuality,gender identity,sexual orientation,marital and familial status, age,disability, ancestry, height, weight, domestic partner status, labor organization membership, familial situation, or political affiliation. Further, Lessee shall comply with the City of Miami Beach Human Rights Ordinance,set forth in Chapter 62 of the City Code,as may be amended from time to time, prohibiting discrimination in employment, housing, public accommodations, and public services on account of actual or perceived race,color,national origin,religion,sex,intersexuality, gender identity, sexual orientation, marital and familial status, age, disability, ancestry, height, weight, domestic partner status, labor organization membership, familial situation, or political affiliation. (s) Independent Legal Counsel.The Parties mutually acknowledge that they each have had the opportunity to be represented by independent legal counsel in negotiations leading up to and in executing this Ground Lease. (t) . Electronic Signatures. The Parties agree that the electronic signature of a Party hereto shall be as valid as an original signature of such Party and shall be effective to bind such Party. The Parties further agree that any electronically signed document (including this Ground Lease) shall be deemed (i) to be "written" or "in writing," (ii) to have been signed, and (iii) to constitute a record established and maintained in the ordinary course of business and an original written record when printed from electronic files. Such paper copies or"printouts," if introduced as evidence in any judicial, arbitral, mediation, or administrative proceeding, shall be admissible as between the Parties to the same extent and under the same conditions as other original business records created and maintained in documentary form.Neither Party shall contest the admissibility of true and accurate copies of electronically signed documents on the basis of the best evidence rule or as not satisfying the business records exception to the hearsay rule. For purposes hereof, "electronic signature" shall include images of manually executed signatures transmitted by 50 Page 99 of 272 facsimile or other electronic format(including,without limitation,"pdf',"tiP'or"jpg") and other electronic signatures (including, without limitation, DocuSign and AdobeSign). The use of electronic signatures and electronic records (including, without limitation, any contract or other record created, generated, sent, communicated, received, or stored by electronic means; "transmitted by electronic means" means sent in the form of a facsimile or sent via the internet as a"pdf' (portable document format)or other replicating image attached to an e mail message;and "electronically signed document" means a document transmitted by electronic means and containing, or to which there is affixed, an electronic signature. (u) Lessor's Failure to Perform. If the Lessor shall fail to perform, or cause to be performed, any term, covenant, condition, or provision imposed upon it hereunder, and to correct such failure within ten (10) Business Days after written notice specifying such is given to the Lessor by the Lessee, the Lessee shall have the right to perform such term, covenant, condition, or provision on behalf of the Lessor. • Section 37. Books and Records:Audit Rights. (a) Lessee shall at all times during the Term of this Ground Lease keep and maintain (separate from any of Lessee's other books, records and accounts), and shall cause the Asset Manager to keep and maintain, accurate and complete records pertaining to the Premises related thereto, including,without limitation, books of account reflecting the Revenues and Expenses and such other matters referenced in this Ground Lease, in accordance with the GAAP with such exceptions as may be provided for in this Ground Lease, and provided that Lessee (and the Asset Manager)may make such reasonable modifications in such books of account as are consistent with standard practice in accounting for its operations under management contracts generally. Lessor and its representatives shall have, during normal business hours and upon reasonable advance notice, access to inspect the books and records of Lessee and the Asset Manager pertaining to the Revenues and Expenses of the Premises, including,without limitation, books of account properly reflecting the operations of the Premises, which books and records shall be kept at its principal place of business. Lessor shall have the right to cause an audit by Lessor's internal auditors (in accordance with GAAP)of such books and records to be made at any time(but not more frequently than one(1)time in any twelve (12) month period, as an Expense of the Project(a copy of which shall be delivered to Lessee). Such right of inspection and audit may be exercised at any time within three(3)years after the end of the Lease Year to which such books and records relate, and Lessee and Asset Manager shall maintain all such books and records for at least such period of time and, if any dispute between the Parties has arisen and remains unresolved at the expiration of • such period of time, for such further period of time until the resolution of such dispute. Notwithstanding anything to the contrary contained herein, in the event that Lessor determines to have such audit performed by its external auditors, Lessor shall pay the fees and expenses or said external auditors. (b) If, upon any audit by Lessor as described above of the books or records of Lessee or Asset Manager, (i) an error (which shall mean a mistake in calculation of Revenues, an accounting error, but shall exclude any error based on assertions that Lessee or Asset Manager acted imprudently or unwisely in connection with the collection of the Revenues)shall be revealed which results in there being due to Lessor Net Available Cash Flow for any Lease Year for which Annual Financial Statements are being audited pursuant to this Section, the amounts of any such 51 Page 100 of 272 underpayments of Net Available Cash Flow which may be disclosed by such audit, together with interest thereon at the Default Rate from the date(s)on which such underpayment(s) should have been paid until the date of payment thereof, shall be paid to Lessor from amounts in the Surplus Fund under the Indenture in accordance with the following year's Annual Budget which allows for the Project to achieve the necessary Fixed Charges Coverage Ratio or(ii) an error(as defined in clause(i)above)shall be revealed which resulted in an overpayment by Lessee to Lessor of Net Available Cash Flow, Lessor shall remit the amount of such overpayment (less the cost of such audit)to Lessee within thirty(30)days after the completion of such audit. If Lessor does not notify Lessee of any error in the calculation of Net Available Cash Flow within three (3) years after the end of any Lease Year, then Lessor shall be deemed to have conclusively waived any and all objections with respect to any Net Available Cash Flow payments with respect to such Lease Year. (c) Notwithstanding any of the foregoing provisions of this Section, so long as Lessor is the City or any instrumentality of the City, the following provisions shall be applicable to the books and records of the Project, the Annual Financial Statements, the Annual Budget and any other documents (collectively, the "Project Documents") required to—be delivered or made available to Lessor under this Ground Lease: (i) All Project Documents shall be made available to Lessor and its representatives as provided above. (i) If a copy of any Project Document is made by Lessor or any of its representatives and delivered to Lessor's offices and Lessee believes that such Project Document may contain proprietary or confidential information of the Lessee that is exempt from public records disclosure under Florida law, there shall be attached to the front of the first page of such Project Document a sheet of paper bearing the legend set forth below in capital letters and in a type size not less than that provided below: THE ATTACHED DOCUMENT CONTAINS BUSINESS OR FINANCIAL INFORMATION. THE ATTACHED DOCUMENT SHALL BE SUBJECT TO PUBLIC RECORDS DISCLOSURE, SOLELY IN ACCORDANCE WITH APPLICABLE LAW. (e) Promptly following receipt of a request under any Governmental Requirement for the release of a copy of any Project Document, Lessor shall send notify Lessee of such request, but neither Lessor nor any Indemnitees shall incur any liability to Lessee if Lessor fails to provide any such notice. (f) Neither Lessor nor any Indemnitee shall incur any liability to Lessee in the event any Project Document is stolen, misplaced or otherwise released in violation of the foregoing provisions of this Section. (g) The obligations of Lessee and Lessor under this Section shall survive the Expiration of the Term. 52 Page 101 of 272 [The remainder of this page is intentionally left blank] 53 Page 102 of 272 IN WITNESS WHEREOF,the Lessor and the Lessee have caused this GROUND LEASE AGREEMENT to be duly executed in duplicate counterparts each of which shall be deemed to be an original,the day and year first above written. LESSOR: Signed, sealed and delivered CITY OF MIAMI BEACH, FLORIDA, a in the presence of: Florida municipal corporation By: Print Name: , City Manager Print Name: ATTEST Approved for form and legal sufficiency By: By: City Clerk City Attorney STATE OF FLORIDA ) MIAMI-DADE COUNTY I, the undersigned Notary Public in and for said County in said State, hereby certify that ,City Manager of the City of Miami Beach, a Florida municipal corporation, is signed to the foregoing Ground Lease Agreement, and who is known to me, acknowledged before me on this day that, being informed of the contents of the Ground Lease Agreement, she, as such officer and with full authority,executed the same voluntarily for and as the act of the City of Miami Beach. Commission Expires: Notary Public Commission Number: Signature Page to r u d Lease a a Agreement LESSEE CFC-MB I, LLC, an Arizona limited liability company By: Community Finance Corporation, an Arizona nonprofit corporation, its sole member By: Name: Michael S. Hammond Its: President STATE OF § COUNTY § I, the undersigned Notary Public in and for said County in said State, hereby certify that Michael Hammond whose name as President of CFC- MB I LLC, a Florida limited liability company, is signed to the foregoing Ground Lease Agreement, and who is known to me, acknowledged before me on this day that, being informed of the contents of the Ground Lease Agreement, he, as such officer and with full authority, executed the same voluntarily for and as the act of said CFC- MB I LLC. GIVEN UNDER MY HAND AND OFFICIAL,NOTARIAL SEAL this day of ,2022. (SEAL) Notary Public My commission expires: Signature Page to Ground Lease Agreement Page 104 of 272 EXHIBIT A LEGAL DESCRIPTION OF THE PROPERTY Lots 7, 9 and 11, less the northern 10 feet for right-of-way, and the northern 25 feet of Lots 10 and 12, Block 2, Miami Beach Improvement Company Subdivision, as recorded in Plat Book 5, Page 7 of the Public Records of Miami-Dade County,Florida. Folio Number: 02-3226-001-0460 A-1 Page 105 of 272 EXHIBIT B CITY DEVELOPMENT AGREEMENT • Page 106 of 272 EXHIBIT C DEVELOPER ASSIGNMENT STATE OF FLORIDA ) DEVELOPER'S ASSIGNMENT COUNTY OF MIAMI-DADE ) This DEVELOPER'S ASSIGNMENT, made and entered into as of the__th day of February, 2022 (this"Assignment"),by SERVITAS,LLC,a limited liability company organized and existing under the laws of the State of Texas, in favor of CFC-CMB I LLC (the "Borrower"), a single member limited liability company organized and existing under the laws of the State of Arizona and duly qualified to do business in the State. WITNESSETH: WHEREAS, the Miami-Dade County Industrial Development Authority(the "Issuer") has issued its Industrial Development Revenue Bonds (CFC — MB I, LLC- Collins Park Housing Project), Series 2022A (the "Series 2022A Bonds") and its Industrial Development Revenue Bonds, (CFC—MB I, LLC- Collins Park Housing Project), Series 2022B (Taxable) (the "Series 2022B Bonds"), and its Industrial Development Revenue Bonds (CFC-MB I, LLC Collins Park Housing Project), Series 2022C (Subordinate) (the "Series 2022C Bonds") together with the Series 2022A and 2022B Bonds, the "Series 2022 Bonds")under and pursuant to the terms of a Trust Indenture (the "Indenture") dated as of [ 1 1, 2022 between the Issuer and Zions Bancorporation, National Association, as Trustee (the "Trustee") to lend the proceeds of the Series 2022 Bonds to the Borrower for the purpose, inter alia, of providing funds to finance substantially all of the cost of the construction, furnishing and equipping of an approximately 73,000 square foot,7-story housing facility located at 224 23rd Street,in the City of Miami Beach, in Miami-Dade County (the "Series 2022 Project"),which will be owned by Borrower; and WHEREAS,the Borrower and the Developer have entered into a Development Agreement (the "Development Agreement') of even date herewith pursuant to which the Developer has agreed to develop the Project; and WHEREAS,the Developer and Moss& Associates, LLC (the "General Contractor") have entered into a Construction Services Agreement (the"General Construction Contract') of even date herewith pursuant to which the General Contractor has agreed to construct the Project; and WHEREAS, the Developer and PGAL, Inc. (the "Architect") have entered into a Design Services Agreement (the "Architect's Agreement") of even date herewith pursuant to which the Architect has agreed to provide certain architectural and engineering services in connection with the construction of the Project, including the provision of certain Plans and Specifications therefor (together with any and all amendments thereof and/or supplements thereto, the "Plans and Specifications"); WHEREAS, in order to secure its obligations to the Developer under the General Construction Contract, the General Contractor has executed and delivered to the Developer a c-I Page 107 of 272 • General Contractor's Assignment(the"General Contractor's Assignment')of even date herewith pursuant to which it has collaterally assigned to the Developer all of its right, title, and interest in and to all contracts and/or agreements (whether entered into on or before the date hereof or hereafter)between the General Contractor and any person or firm rendering services or supplying material in connection with the design or construction of the Project, including,without limitation, all construction, architectural, engineering, and landscaping or landscape improvement contracts or agreements and all plans, specifications, and drawings prepared pursuant to such contracts or agreements, and any amendments thereof and/or supplements thereto; and WHEREAS, in order to secure its obligations under the Development Agreement, the Developer wishes to assign to the Borrower all of its right, title, and interest in and to the Construction Contract, the Architect's Agreement, and all other contracts and/or agreements (whether entered into on or before the date hereof or hereafter) between the Developer or the General Contractor and any person or firm rendering services or supplying material in connection r with the development, design, or construction of the Project, including, without limitation, all construction, architectural, engineering, and landscaping or landscape improvement contracts or agreements and all plans, specifications, and drawings prepared pursuant to such contracts or agreements, and any amendments thereof and/or supplements thereto; and Now,THEREFORE,to induce the Borrower to enter into the Development Agreement and to secure the performance by the Developer of its agreements under the Development Agreement, and for and in consideration of the sum of One and No/I 00 Dollars ($1.00) paid by the Borrower to the Developer this date, and for other valuable consideration, the receipt of which is acknowledged, the Developer and the Borrower (collectively, the "Parties" and each, a "Party") agree as follows: Section 1. Creation of Security Interest: Description of the Development Documents. The Developer hereby grants to the Borrower a present and continuing security interest in the following collateral (the "Development Documents"), and in its expectancy to acquire the Development Documents in the ordinary course of business: (a) the General Construction Contract, and any amendments thereof and/or supplements thereto; (b) the General Contractor's Assignment; (c) the Architect's Agreement, and any amendments thereof and/or supplements thereto; (d) the Plans and Specifications; (e) all those other contracts and/or agreements between the Developer or the General Contractor and any person or firm rendering services or supplying material in connection with the development,design,or construction of the Project,including,without limitation,all construction, architectural,engineering,and landscaping or landscape improvement contracts or agreements and all plans, specifications, and drawings prepared pursuant to such contracts or agreements,and any amendments thereof and/or supplements thereto; C-2 Page 108 of 272 (f) all surveys, building permits, fill permits, sewer connection or tap-in permits, water connection or tap-in permits, curb-cut permits,certificates of occupancy, concurrency certificates, entitlements,development rights,zoning and variance approvals,utility service bonds and/or cash deposits, site improvement bonds and/or cash deposits, utility service agreements, site work agreements with any governmental authority or public utility, and all other agreements, contracts, contract rights, documents of title, choses in action, intangible property, permits, licenses, approvals, consents, authorizations, plans, franchises, trademarks, project logos, building names, insurance policies,bonds,escrow funds,easements,and exclusive agency licenses or leases of any kind now existing or hereafter arising or created or entered into relating to the acquisition, construction, renovation, or development of the property on which the Project is to be constructed (the"Property") or any portion thereof; (g) all warranties and guaranties covering any appliances and fixtures now or hereafter located on or placed upon the Property,including without limitation,air conditioning,heating,and other appliances and equipment; (h) all accounts, books, records, and other property relating or referring to any of the foregoing; and (i) all proceeds of any and all of the foregoing and, to the extent not otherwise included, all payments under insurance (whether or not the Borrower is the loss payee thereof), or any indemnity, warranty, or guaranty, payable by reason of damage to, loss with respect to, or otherwise with respect to, any of the foregoing. Section 2. Present Assfnment; Enforcement. THIS INSTRUMENT IS A PRESENT ASSIGNMENT OF THE DEVELOPER'S RIGHTS IN THE DEVELOPMENT DOCUMENTS The Borrower shall have the right, power, and privilege (but shall be under no duty) immediately to exercise all of the rights and privileges of the Developer. Notwithstanding the foregoing, until the earlier of (i)the occurrence of a default or an event of default under the Development Agreement(an"Event ofDefault')or the occurrence of an event or circumstance that with the lapse of time or the giving of notice or both would constitute an Event of Default(a"Default Condition")or(ii) the date after which the Developer shall have no further development responsibilities under the Development Agreement(the"Termination Date"), the Developer may exercise such rights and privileges. In the event of the occurrence of an Event of Default or a Default Condition, and in any event, after the Termination Date, the Borrower may at its option, then or thereafter and subject to the provisions of the Development Documents, do any one or more of the following as fully as the Developer could do if personally present: make, control, or modify any of the Development Documents upon such terms and for such periods of time and upon such conditions as the Borrower may deem fit and proper; enforce or cancel any of the Development Documents now in effect or hereafter in effect; collect, demand, sue for, attach, levy, recover and receive, compromise and adjust, and execute and deliver receipts and releases for all amounts payable under the Development Documents; from or out of any other funds of the Developer deposited with the Borrower, pay and discharge all expenses or charges in the satisfaction of any obligation of the Developer under any of the Development Documents or that it may be advisable for the Borrower to pay or expend in order to prevent or cure a default under any of the Development Documents, C-3 Page 109 of 272 including, but without limitation, reasonable attorneys' fees and costs for any other services that may be required; and otherwise do whatsoever ought to be done with respect to the Development Documents as fully as the Developer could do if personally present. The Borrower shall, after payment of all of the foregoing charges and expenses, credit the net amount of income that it may receive by virtue of this Assignment,if any,to any amounts due the Borrower from the Developer, with all the rights, powers, privileges, and authority so created. The Borrower shall not, prior to exercise or enforcement thereof by the Borrower,be deemed or construed to be obligated to appear in or defend any action or proceeding relating to the Development Documents, to take any action hereunder, or to expend any money or incur any expenses or perform or discharge any obligation, duty, or liability under the Development Documents. Section 3. Power of Attorney. The Developer does hereby irrevocably constitute and appoint the Borrower the true and lawful attorney, coupled with an interest, of the Developer and in the name, place, and stead of the Developer to undertake its enforcement rights under the Development Documents and to collect and/or pay all amounts payable under the Development Documents. This Assignment shall constitute a direction to and full authority to such other party or parties to the Development Documents to render performance to or for the Borrower and/or to pay all such amounts to the Borrower or its appointed agent. A written demand by the Borrower on each such person for such performance and/or payment shall be sufficient to warrant such person's rendering all future performance and/or make all future payments of such amounts directly to the Borrower or its appointed agent without the necessity for further consent by the Developer. Each such person shall be entitled to rely upon a written demand by the Borrower for such performance and/or payment and shall be fully protected from any claims by the Developer for all performance rendered and/or payments made to the Borrower or its appointed agent after receipt of such written demand. The foregoing rights,powers,and privileges are to be irrevocable and continuing, and shall be exclusive in the Borrower so long as any part of the Development Agreement shall remain unperformed. Notwithstanding the foregoing, until the occurrence of an Event of Default or a Default Condition, the Borrower shall take no action pursuant to the foregoing rights, powers, and privileges. Section 4. Authorization and Direction to General Contractor and Architect. The Developer hereby authorizes and directs the General Contractor,the Architect,and all other parties to the Development Documents upon receipt from the Borrower of written notice to the effect that the Developer is in default under the Development Agreement or that the Termination Date has occurred,to render performance to the Borrower,its appointed agent,or its assigns and to continue so to do until otherwise notified by the Borrower. Section 5 Representations and Warranties. The Developer hereby represents and warrants to the Borrower that (a)the Developer is the sole owner of the"Owner's" interest under the Development Documents (either as principal or assignee) and has the full and complete right, title, and authority to sell, assign, transfer, and set over the same and to grant and confer upon the Borrower the rights, interests, liens, power, and authorities herein granted and conferred; (b)the Developer has not executed any prior assignment of the Development Documents; (c) the Developer has not performed any act or executed any other instrument that might prevent the Borrower from enjoying and exercising any of its rights and privileges evidenced hereby; (d)the Developer has not executed or granted any modifications to any existing Development Documents C-4 Page 110 of 272 except as previously disclosed to the Borrower in writing;(e) all existing Development Documents are valid and in full force and effect; (f) there are no defaults or events of default now existing under any of the Development Documents,and no event has occurred that with the passage of time or the giving of notice, or both, would constitute such a default or event of default. Section 6. No Additional Encumbrances.Amendments. etc. The Developer agrees that, so long as any part of the Development Agreement shall remain unperformed, the Developer will make no further assignment, pledge, or disposition either of the Development Documents or any part of any thereof;nor will the Developer cancel or terminate any of the Development Documents so as to effect directly or indirectly, proximately or remotely, a termination or diminution of the obligations of the other party or parties thereunder; nor will the Developer, except to the extent , required by the terms of any of the Development Documents, consent to an assignment of the interest and estate of the other party or parties under any of the Development Documents; and any such acts, if done or permitted to be done without the prior written consent of the Borrower, shall be null and void and shall constitute an Event of Default. Section 7. Performance of Developer's Obligations Under the Development Documents; Further Assurances. The Developer covenants with the Borrower to observe and perform all the obligations imposed upon it under the Development Documents and not to do or permit to be done anything to impair the security thereof; to exercise any option or election contained in or relating to any of the Development Documents that the Borrower shall require; at the Borrower's request, to assign and transfer to the Borrower by specific assignment of development documents, in the form of this Assignment any and all subsequent Development Documents (it being understood and agreed that no such specific assignment shall be required for such subsequent Development Documents to be covered by and included within this Assignment as provided herein); and to execute and deliver at the request of the Borrower all such further assurances and assignments in the rights and privileges covered by the Development Documents as the Borrower shall from time to time require. Section 8. Borrower Not Liable for Losses:Indemnification. The Borrower shall not be liable for any loss sustained by the Developer resulting from any act or omission of the Borrower in exercising its rights and remedies under this Assignment unless such loss is caused by the willful misconduct and bad faith of the Borrower, nor shall the Borrower be obligated to perform or discharge any obligation, duty, or liability under the Development Documents or under or by reason of this Assignment or the exercise of rights or remedies hereunder. The Developer shall and does hereby agree to indemnify the Borrower for, and to hold the Borrower harmless from, any and all liability, loss,or damage that may or might be incurred under any of the Development Documents or under or by reason of this Assignment or the exercise of rights or remedies hereunder and from any and all claims and demands whatsoever that may be asserted against the Borrower by reason of any alleged obligations or undertakings on its part to perform or discharge any of the terms, covenants, or agreements contained in any of the Development Documents. Should the Borrower incur any such liability under any of the Development Documents or under or by reason of this Assignment or the exercise of rights or remedies hereunder or in defense of any such claims or demands, the amount thereof, including costs, expenses, and reasonable attorneys' fees, shall be secured hereby, and the Developer shall reimburse the Borrower therefor immediately upon demand. This Assignment shall not, in and of itself, operate to place C-5 Page 111 of 272 responsibility upon the Borrower for the carrying out of any of the terms and conditions of any of the Development Documents. Section 9. No Waiver by the Borrower. Nothing contained herein and no act done or omitted by the Borrower pursuant to the powers and rights granted it hereunder shall be deemed to be a waiver by the Borrower of its rights and remedies under the Development Agreement or a waiver or curing of any Event of Default or Default Condition, and this Assignment is made and accepted without prejudice to any of the rights and remedies possessed by the Borrower under the terms of the Development Agreement. The right of the Borrower to enforce any other security for the Development Agreement held by it may be exercised by the Borrower either prior to, simultaneously with, or subsequent to any action taken by it hereunder. Section 10. Borrower Deemed a Creditor of Other Parties to the Development Documents. The Borrower shall be and is hereby deemed to be tl;:e creditor of the other party or parties under the Development Documents in respect of any and all claims for damages, assignments for the benefit of creditors, and bankruptcy, reorganization, insolvency, dissolution, or receivership proceedings affecting such party or parties (without obligation on the part of the Borrower, however, to file or make timely filings in such proceeding or otherwise to pursue creditors' rights therein). The Developer hereby assigns to the Borrower any and all damages and any and all money received in connection with such assignment for the benefit of creditors or in any such bankruptcy, reorganization, insolvency, dissolution, or receivership proceeding with option to the Borrower to apply such damages or any money received by the Borrower as such creditor in reduction of any obligations owed to the Borrower under the Development Agreement in such order as the Borrower, in its sole and absolute discretion, may determine. The Developer hereby appoints the Borrower its attorney-in-fact to appear in any action and/or to collect any such money or payment,it being understood and agreed that,until the occurrence of an Event of Default or a Default Condition, the Borrower shall take no action pursuant to the foregoing appointment. Section IL Effect of Waivers and Consents by the Borrower. The Borrower may,at any time and from time to time, in writing (a) waive compliance by the Developer with any covenant herein made by the Developer to the extent and in the manner specified in such writing;(b) consent to the Developer's doing any act that hereunder the Developer is prohibited from doing,or consent to the Developer's failing to do any act that hereunder the Developer is required to do,to the extent and in the manner specified in such writing;or(c)release any part of the Development Documents or any interest therein from this Assignment. No such act shall in any way impair the rights of the Borrower hereunder except to the extent specifically agreed to by the Borrower in such writing. Section 12. Borrower's Melts Not Impaired. The rights and remedies of the Borrower hereunder shall not be impaired by any indulgence, including but not limited to (a) any renewal, extension, or modification that the Borrower may grant with respect to the Development Agreement, or (b) any surrender, compromise, release, renewal, extension, exchange, or substitution that the Borrower may grant in respect of any of the Development Documents or any part thereof or any interest therein. Section 13. Addresses for Notices, etc.. All notices and other communications provided for hereunder shall be in writing and shall be deemed given or furnished when mailed certified C-6 Page 112 of 272 mail, return receipt requested,when transmitted electronically,or when personally delivered to the Borrower do CFC—MB I, LLC do Community Finance Corp., 333 N. Wilmont Rd., Ste. 227, Tucson,AZ 85711 Attention: Gary Molenda Email: gmolenda@bdfc.com and to the Developer at 5525 North MacArthur Boulevard, Suite 760, Irving,Texas 75038 (Attention: President) E-Mail: rfigueroa@servitas.com. Either Party may change the address for said notice by appropriately notifying the other Party in writing. Section 14. Required Consents to Amendments. The Developer covenants and agrees not to amend, modify,or supplement this Assignment,the Development Agreement, or any of the Development Documents without the prior written consent of the Borrower and agrees not to amend, modify, or supplement this Assignment, the General Construction Contract, or any of the Development Documents in a way that would materially adversely affect the interest of the owners of Series 2022 Bonds without the consent of the Trustee. Section 15. Partial Invalidity/Severability. If any term, provision,covenant, or condition of this Assignment shall be deemed invalid or unenforceable in any jurisdiction, the remainder of this Assignment shall not be affected thereby, and each remaining term, provision, covenant, or condition shall,as to such jurisdiction,be valid and enforced to the fullest extent permitted by law. Section 16. Execution of Counterparts. This Assignment may be executed in several counterparts, each of which shall be an original and all of which, when taken together, shall constitute but one and the same instrument. Section 17. Law Governing Construction of this Assignment; Defined Terms. This Assignment has been prepared and entered into by the Parties with the intention that the law of the State, exclusive of such state's rules governing choice of law, shall govern its construction. Section 18. Language Construction. The language in all parts of this Assignment shall be construed, in all cases, according to its fair meaning, and not for or against either Party. The Parties acknowledge that each Party and its counsel have reviewed and revised this Assignment and that the normal rule of construction to the effect that any ambiguities are to be resolved against the drafting Party shall not be employed in the interpretation of this Assignment. Section 19. Independent Legal Counsel. The Parties mutually acknowledge that they each have had the opportunity to be represented by independent legal counsel in negotiations leading up to and in executing this Assignment. Section 20. Headings. The headings of the sections of this Assignment are solely for convenience of reference, are not a part of this Assignment, and shall not be deemed to affect the meaning, construction, or effect of any of its provisions. Section 21. Successors and Assigns. All covenants,promises,and agreements contained in this Assignment by or on behalf of or for the benefit of the Developer or the Borrower shall bind and inure to the benefit of their respective successors and assigns,whether so expressed or not. C-7 Page 113 of 272 Section 22. Relationship of the Parties. Nothing contained in this Assignment shall be deemed or construed as creating an agency, partnership, or joint venture relationship between the Developer and the Borrower. Section 23. Patriot Act. Federal law requires all financial institutions to obtain, verify, and record information that identifies each Person who opens an account. Accordingly,the Parties acknowledge that the Trustee may require documentation from each non-individual Person such as a business entity, a charity, a trust, or other legal entity verifying its formation as a legal entity and that the Trustee may also request identifying information to sufficiently verify the identities of individuals claiming authority to represent the entity. Section 24. Specially Designated Nationals and Blocked Persons List. Each Party certifies that: (a) it is not acting, directly or indirectly, for or on behalf of any person,group,entity or nation named by any Executive Order or the:United States Treasury Department as a terrorist, "Specially Designated National and Blocked Person," or other banned or blocked person, entity, nation,or transaction pursuant to any law,order,rule,or regulation that is enforced or administered by the Office of Foreign Assets Control; and (b) it is not engaged in this transaction, directly or indirectly on behalf of, or instigating or facilitating this transaction,directly or indirectly on behalf of, any such person, group, entity or nation. Each Party agrees to defend, indemnify, and hold harmless the other Party from and against any and all claims, damages, losses,risks, liabilities and expenses(including attorneys'fees and costs)arising from or related to any breach of the foregoing certification. Section 25. WAIVER OF STAY. IN THE EVENT OF A VOLUNTARY OR INVOLUNTARY LIQUIDATION OR REORGANIZATION CASE BY OR AGAINST THE DEVELOPER UNDER BANKRUPTCY,RECEIVERSHIP,OR OTHER INSOLVENCY LAW,THE DEVELOPER HEREBY AGREES THAT THE BORROWER SHALL BE FREE TO PURSUE REMEDIES WITH RESPECT TO THE CONTRACTS AND AGREEMENTS WITHOUT OPPOSITION OR INTERFERENCE BY THE DEVELOPER, THAT THE BORROWER SHALL BE ENTITLED TO SEEK AND OBTAIN RELIEF FROM THE AUTOMATIC STAY UNDER §362 OF THE FEDERAL BANKRUPTCY CODE WITHOUT OBJECTION BY THE DEVELOPER, AND THAT ANY RIGHTS TO STAY, ENJOIN,OR OTHERWISE DELAY OR IMPEDE THE BORROWER'S REMEDIES AGAINST THE CONTRACTS AND AGREEMENTS THAT MIGHT BE AVAILABLE TO THE DEVELOPER, INCLUDING ANY RIGHTS UNDER §§105 AND 362 OF THE FEDERAL BANKRUPTCY CODE,ARE HEREBY RELEASED AND WAIVED. IN WITNESS WHEREOF, the Developer has caused this DEVELOPER'S ASSIGNMENT to be executed as of the day and year first hereinabove written. DEVELOPER: WITNESSES: SERVITAS,LLC By Denise Hauck, COO C-8 Page 114 of 272 EXHIBIT D WORKFORCE HOUSING UNITS COMPLIANCE PROCEDURES (e) Definitions. Defined terms used herein and not otherwise defined shall have the same meanings as those set forth in the Ground Lease. (d) Lessee's Obligation to Continuously Operate. Upon completion of construction of the Project, the Lessee shall continuously operate all Workforce Housing Units to serve Eligible Residents. The restrictions relating to the Workforce Housing Units shall extend for the duration of the Term, notwithstanding the durations otherwise identified in Chapter 58 of the City Code. The Lessee shall cause the Asset Manager to use its best efforts to maintain the highest possible occupancy rate at the Project at all times. (e) Acceptance Priorities. The following acceptance priorities shall be applied to otherwise income-eligible individuals who apply for Workforce Housing Units(the"Acceptance Priorities"): (i) Tier 1 — Artists practicing in Miami-Dade County; City of Miami Beach employees, including, without limitation, City of Miami Beach law enforcement personnel and firefighters; Area Educators and nurses employed within the City of Miami Beach; and Veterans who are either employed within the City of Miami Beach or whose last place of residence was within the City of Miami Beach; (ii) Tier 2—Individuals employed within the City of Miami Beach in the hospitality and entertainment industries; and (iii) Tier 3—Any other individuals employed within Miami-Dade County,with priority for income-eligible individuals employed within the City of Miami Beach. (iv) Any Workforce Housing Unit remaining vacant for at least sixty (60) consecutive days may be offered and leased to any other Eligible Resident in a subsequent tiered Acceptance Priority. (f) Unit Mix. All Workforce Housing Units shall be marketed and rented solely to Eligible Residents and units will be classified only as 80%AMI units, 100%AMI units or 120% AMI units. The Project intends ultimately to achieve the Target Unit Mix. The monthly rent for the Workforce Housing Units shall not exceed the rent limit by number of bedrooms in unit and household income for the AMI category applicable to the Workforce Housing Units in question, as determined from time to time. The current projected annual budgets reflected in the pro forma for the Project, anticipate a need for the Unit Mix at the time of opening to be 100% of the Workforce Housing Units (i.e., all 80 units) as 120%AMI units.When the Annual Budget is developed in respect of each Annual Period,Lessor and Lessee shall,if possible,modify the Unit Mix by reallocating units from 120%AMI units to 100%AMI and/or 80%AMI units to approach the Target Unit Mix as closely as possible, while ensuring, as of the date each such Annual Budged is developed, the Project's ability to repay the Series 2022 Bonds, to cover all operating expenses and meet the debt service coverage requirements of Section 510 of the Indenture for disbursement of the Rent. The restrictions relating to the Workforce Housing Units shall extend for the duration of the Term,notwithstanding the durations otherwise identified in Chapter 58 of the City Code. D-1 Page 115 of 272 (g) Documenting Eligible Resident Status. 5.1 The Lessee will obtain, complete and maintain on file a Resident Certification of Eligibility, in substantially the form of Attachment A attached hereto, from each Eligible Resident dated immediately prior to the initial occupancy by such eligible resident in the Workforce Housing Unit. The Lessee will verify a household's income either by obtaining (i) a copy of a resident's federal income tax return for the tax year immediately prior to the commencement of such resident's occupancy, (ii) an employer's verification of such resident's current income or(iii) if the resident is unemployed or if the tax return is unavailable,other satisfactory evidence of income for such year. 5.2 Not less than 90 days prior to the annual anniversary of each Occupancy Agreement throughout the Term, the Lessee shall recertify each resident obtaining an Annual Resident Recertification in substantially the form set forth in Attachment B attached hereto. If at the time of recertification the Eligible Resident's household income exceeds the applicable income limit for the unit in question,but is not more than 140% AMI, the Eligible Resident's rent shall be modified to be consistent with the household's then present income and the unit shall be accordingly reclassified. If the recertification demonstrates that any such resident's household income exceeds 140%AMI,the resident's residency must terminate at expiration of the resident's Occupancy Agreement. In such event,the Lessee shall immediately notify, in writing, each resident who is no longer an Eligible Resident of such fact, and that the resident must vacate the unit upon termination of the Occupancy Agreement and the unit will become available for another Eligible Resident. Each time a unit becomes available for rent to a new tenant, the Lessor and Lessee shall review the then existing Unit Mix and shall either leave the unit in the same AMI income category as existed when the prior Eligible Resident vacated or reclassify the unit into a different permitted AMI income category (i.e., 80% AMI, 100% AMI or 120% AMI) to approach the Target Unit Mix as closely as possible,while ensuring,as of the date each such determination is made, the Project's ability to repay the Series 2022 Bonds, to cover all operating expenses and meet the debt service coverage requirements of Section 510 of the Indenture for disbursement of the Rent. 5.3 The Lessee will maintain complete and accurate records pertaining to the Eligible Residents and will permit any duly authorized representative of the City or the Trustee to inspect the books and records of the Lessee pertaining to the Project, including, without limitation, those records pertaining to the occupancy and incomes of the Eligible Residents residing in the Project. This paragraph is not intended to create any additional duties of the City or the Trustee to inspect records. 5.4 The Lessee will prepare and submit to the City and the Trustee quarterly, on or before the first day of January, April, July and October for each year, commencing on the first such date following the date of commencement of operations, a Certification of Continuing Program Compliance in substantially the form of Attachment C executed by the Lessee,stating(i)the percentage of the Workforce Housing Units of the Project which were occupied by Eligible Residents(or held vacant and available for occupancy by Eligible Residents)during such period,and(ii)either that no default has occurred under these Compliance Procedures or that such a default has occurred in which event the certificate shall describe the nature of such default and the procedures being taken by the Lessee to remedy the same. (h) Monthly Rents. The monthly rent for the Workforce Housing Units shall not exceed the rent limit by number of bedrooms in unit and household income for the AMI category applicable to the Workforce Housing Units in question, as determined from time to time. (i) Occupancy Agreements. 7.1 All Occupancy Agreements for the Workforce Housing Units shall have initial terms of twelve(12)months,and no sub-leasing of Occupancy Agreements shall be permitted. D-2 Page 116 of 272 7.2 Any renewal terms for a period of less than six months and one day shall be strictly prohibited. 7.3 The Lessee agrees to inform all prospective Eligible Residents of the requirements for annual recertification of income and of the provisions of Section 5.3 in writing at initial occupancy. D-3 Page 117 of 272 Attachment A RESIDENT CERTIFICATION OF ELIGIBILITY RE: CFC—MB I, LLC Collins Park Housing Project known known as the Miami Beach Ballet Apartments The undersigned hereby(certify)(certifies)that: 1. This Resident Certification of Eligibility is being delivered in connection with the undersigned's application for.,occupancy of Apartment# in the Miami Beach Ballet Apartments in Miami Beach,Florida. 2. List all the occupants of the apartment, the relationship (if any) of the various occupants,their ages,their employment and their employment address. If they are eligible to work from home,please check the appropriate box. Employment Eligible Occupant Relationship Age Employment Address (Street, to Work City, State, Zip from Code) Home (a) (b) _ E (c) ❑ (d) (e) C (1) ❑ 3. The total anticipated income for each person listed in paragraph 2 above during the 12 month period commencing with the date occupancy will begin including: full amount, before any payroll deductions, of wages, salaries, overtime, commissions, fees,tips, and bonuses; net income from the operation of a business or profession or from the rental of real or personal property (without deducting expenditures for business expansion or amortization of capital indebtedness or any allowance for depreciation of capital assets); interest and dividends (including income from assets excluded below); the full amount of periodic payments from social security, annuities, insurance policies, retirement funds, pensions, disability or death benefits and other similar types of periodic payments including any lump sum payment for the delayed start of a periodic payment; payments in lieu of earnings,such as unemployment and disability compensation,workers' compensation and severance pay; all public assistance income; periodic and determinable allowances such as alimony and child support payments,and regular contributions or gifts D-4 Page 118 of 272 received from persons not residing in the dwelling; all regular and special pay and allowances of members of the Armed Forces (whether or not living in the dwelling) who are the head of the family or spouse; and any earned income tax credit to the extent that it exceeds income tax liability; but excluding: income from employment of children(including foster children)under the age of 18 years; payments received for the care of foster children or foster adults (usually individuals with disabilities, unrelated to the tenant family, who are unable to live alone); lump sum additions to family assets, such as inheritances, insurance payments (including payments under health and accident insurance and workers' compensation), capital gains and settlement for personal or property losses; amounts which are specifically for reimbursement of medical expenses; amounts of educational scholarships paid directly to the student or the educational institution, and amounts paid to a veteran for use in meeting the costs of tuition, fees, books and equipment, but in either case only to the extent used for such purposes; special pay to a serviceman head of a family who is away from home and exposed to hostile fire; amounts received under training programs funded by HUD; amounts received under Plan to Attain Self-Sufficiency; amounts for out-of-pocket expenditures incurred in connection with other public assistance programs;resident service stipend(not in excess of$200 per month);amounts from state or local employment training programs; temporary, nonrecurring or sporadic income (including gifts); reparation payments paid by a foreign government to persons who were persecuted during the Nazi era; earnings in excess of$480 for each full-time student 18 years old or older(excluding head of family and spouse); adoption assistance payments in excess of$480 per adopted child; deferred periodic payments of supplemental social security income and benefits received in a lump sum; refunds or rebates of property taxes paid on the unit; payments from state agency to allow developmentally disabled family member to stay home; relocation payments under Title II of the Uniform Relocation Assistance and Real Property Acquisition Policies Act of 1970; foster child care payments; the value of coupon allotments for the purchase of food pursuant to the Food Stamp Act of 1964 which is in excess of the amount actually charges for the allotments;and payments to volunteers under the Domestic Volunteer Service Act of 1973; is as follows: Anticipated Source of Income or Occupant Annual Income Employer (a) $ (b) $ (c) $ (d) $ (e) $ (0 $ TOTAL: $ D-5 Page 119 of 272 4. This Resident Certification of Eligibility is made with the knowledge that it will be relied upon by the Owner to determine maximum income for eligibility to occupy the unit, and Uwe declare that all information set forth herein is true, correct and complete and based upon information I/we deem reliable and that the statement of total anticipated income contained in paragraph 3 is reasonable and based upon such investigation as the undersigned deemed necessary. 5. -I/we will assist the Owner in obtaining any information or documents required to verify the statements made therein, including either an income verification from my/our present employer(s) or copies of federal tax returns for the immediately preceding calendar year. 6. Uwe acknowledge that I/we have been advised that the making of any misrepresentation or misstatement (whether or not intentional) in this Resident Certification of Eligibility will constitute a material breach of my/our agreement with the Owner to lease the unit and will entitle the Owner to prevent my/our occupancy of the unit and will be cause for immediate termination of such lease. 7. The undersigned hereby acknowledge and agree that no less than 30 days prior to 3 the expiration of the lease agreement of each year the undersigned and any other current residents of such apartment will complete and deliver a new Resident Certification of Eligibility,in the form then in use,to the Owner and that the undersigned's rent is subject to increase 30 days after written notice is given to the undersigned stating that the undersigned has surpassed the initial qualifying income AMI or will be given 30 days' notice to vacate if the undersigned no longer qualifies as an Eligible Resident under the ground lease with the City of Miami Beach. 8. RESIDENTS STATEMENT: UWe certify that the statements are true and complete to the best of my/our knowledge and belief and are given under penalty of perjury. In the event this Income Certification is executed more than five(5) days prior to the date Uwe intend to occupy the unit, I/we hereby agree to update and recertify the accuracy of the information herein provided as of the date Uwe first occupy the unit: (a) Date: (b) Date: (c) Date: (d) Date: (e) Date: (f) Date: [The signatures of all persons over the age of 18 years listed in Number 2 above are required] 9. Calculation of Eligible Income: D-6 Page 120 of 272 a. Enter the amount entered for entire household in 3 above: $ b. Enter any additional income derived from assets not listed above c. TOTAL ELIGIBLE INCOME (Line a+b) $_ 10. The amount entered in 9(c): a.. Qualifies the applicant(s) as an 80% Resident(s) b. Qualifies the applicant(s) as a 120% Resident(s) c. Does not qualify the applicant(s) as Eligible Residents I I. Number of apartment unit assigned: Bedroom size: Rent: $ Tenant-paid Utilities: Water X Electric X Trash_X Intemet/Cable _X 12. Method used to verify applicant(s)income: Employer income verification or 2 consecutive months of payroll recordings Social Security Administration verification Copies of tax returns Other( ) Signature of Asset Manager's Authorized Representative: Date: (Signature) Name: Title: ' EXECUTION OF ITEMS 18 AND 19 IS IS NOT NECESSARY. Initials: D-7 Page 121 of 272 18. If this income Certification was executed by me/us more than five (5)days prior to my/our occupancy of the unit, I/we hereby update and recertify the accuracy of the information herein provided as of ,20 and state: (a) No additional information is required to be provided to make this Income Certification true and correct on the date of this certification. (b) The following information is provided to update the information previously provided in the Income Certification: [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK] D-8 Page 122 of 272 (a) Date: (b) Date: (c) Date: (d) Date: (e) Date: (f) Date: 19. ASSET MANAGER'S STATEMENT: The family or individual(s) named in paragraph 2 of this Income Certification have, pursuant to paragraph 18 hereof, updated and recertified the information heretofore provided as specifically set forth in paragraph 18 hereof. Signature of Asset Manager's Authorized Representative Print Name: Title: Date: [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK] D-9 Page 123 of 272 INCOME VERIFICATION (for employed persons) The undersigned employee has applied for a rental unit located in a project financed by an issuance of bonds issued by The Miami Dade County Industrial Development Authority. Every income statement of a prospective tenant must be stringently verified. Please indicate below the employee's current annual income from wages,overtime,bonuses,commissions or any other form of compensation received on a regular basis. Annual Wages Overtime Bonuses Commissions Total Current Income I hereby certify that the statements above are true and complete to the best of my knowledge. Signature Title Date I hereby grant you permission to disclose my income to Miami Beach Ballet Apartments in order that they may determine my income eligibility for rental of an apartment located in their project which has been financed under the by an issuance of bonds issued by The Miami-Dade County Industrial Development Authority. Date: Signature: Please send form to: D-10 Page 124 of 272 [INCOME VERIFICATION SIGNATURE PAGE] INCOME VERIFICATION (for self-employed persons) I hereby attach copies of my individual federal and state(if applicable) income tax returns for the immediately preceding calendar year and certify that the information shown in such income tax returns is true and complete to the best of my knowledge. Date: Signature: D-11 Page 125 of 272 Attachment B ANNUAL RESIDENT RECERTIFICATION THE MIAMI BEACH BALLET APARTMENTS, ANNUAL RESIDENT RECERTIFICATION Project name: Apartment#: Resident name: TO THE RESIDENT: This form is a continuation of the City of Miami Beach, Florida Workforce Housing Program (the "Program') which was previously discussed with you. In order to keep you on the qualifying list, you will need to update the following information each year when you renew your lease. The Owner is required by the Internal Revenue Code of 1986 and ground lease with the City to maintain this information in order to maintain the Program. Household Composition: 1) Please list all of those individuals residing in your apartment. 2) Please list the anticipated annual income of all occupants of your household who are 18 years of age or older(if housemaker, or unemployed, etc.—please list as such). ANTICIPATED ANNUAL OCCUPATION/PLACE OF NAME SS# AGE INCOME* EMPLOYMENT 1) 2) 3) 4) 5) 6) 7) 8) 9) D-l2 Page 126 of 272 DEFINITION OF INCOME The full amount,before any payroll deductions,of wages,salaries,overtime,commissions, fees,tips,and bonuses;net income from the operation of a business or profession or from the rental of real or personal property (without deducting expenditures for business expansion or amortization of capital indebtedness or any allowance for depreciation of capital assets); interest and dividends (including income from assets excluded below); the full amount of periodic payments from social security, annuities, insurance policies, retirement funds, pensions, disability or death benefits and other similar types of periodic payments including any lump sum payment for the delayed start of a periodic payment; payments in lieu of earnings, such as unemployment and disability compensation, workers' compensation and severance pay; all public assistance income; periodic and determinable allowances such as alimony and child support payments, and regular contributions or gifts received from persons not residing in the dwelling; all regular and special pay and allowances of members of the Armed Forces(whether or not living in the dwelling) who are the head of the family or spouse; and any earned income tax credit to the extent that it exceeds income tax liability; but excluding: income from employment of children (including foster children) under the age of 18 years; payments received for the care of foster children or foster adults (usually individuals with disabilities, unrelated to the tenant family, who are unable to live alone); lump sum additions to family assets, such as inheritances, insurance payments (including payments under health and accident insurance and workers' compensation), capital gains and settlement for personal or property losses; amounts which are specifically for reimbursement of medical expenses; amounts of educational scholarships paid directly to the student or the educational institution,and amounts paid to a veteran for use in meeting the costs of tuition, fees, books and equipment, but in either case only to the extent used for such purposes; special pay to a serviceman head of a family who is away from home and exposed to hostile fire; amounts received under training programs funded by HUD; amounts received under Plan to Attain Self-Sufficiency; amounts for out-of-pocket expenditures incurred in connection with other public assistance programs;resident service stipend (not in excess of$200 per month); amounts from state or local employment training programs; temporary, nonrecurring or sporadic income (including gifts); reparation payments paid by a foreign government to persons who were persecuted during the Nazi era; earnings in excess of $480 for each full-time student 18 years old or older (excluding head of family and spouse); adoption assistance payments in excess of$480 per adopted child; deferred periodic payments of supplemental social security income and benefits received in a lump sum; refunds or rebates of property taxes paid on the unit; payments from state agency to allow developmentally disabled family member to stay home; relocation payments under Title II of the Uniform Relocation Assistance and Real Property Acquisition Policies Act of 1970; foster child care payments; the value of coupon allotments for the purchase of food pursuant to the Food Stamp Act of 1964 which is in excess of the amount actually charges for the allotments; and payments to volunteers under the Domestic Volunteer Service Act of 1973. D-I3 Page 127 of 272 PLEASE HAVE ALL OCCUPANTS OVER THE AGE OF 18 SIGN THIS CERTIFICATION. Uwe acknowledge that Uwe have been advised that the making of any misrepresentation or misstatement in this declaration will constitute a material breach of my/our agreement with the Owner to lease the unit and will entitle the Owner to prevent or terminate my/our occupancy of the unit by institution of an action for ejection or other appropriate proceedings. Uwe declare under penalty of perjury that the foregoing is true and correct. SIGNATURES: DATE: 1) 2) 3) 4) 5) 6) ASSET MANAGER'S SIGNATURE: • D-I4 Page 128 of 272 Attachment C CERTIFICATION OF CONTINUING PROGRAM COMPLIANCE , 20 To: Zions Bancorporation N.A. 7390 N Academy Boulevard Colorado Springs, CO 80920 Attention: Vladimir Munoz Telephone: (719) 594-7458 Email: Vladimir.Munoz@zionsbank.com The Miami-Dade County Industrial Development Authority Re: The Miami-Dade County Industrial Development Authority Industrial Development Revenue Bonds (CFC—MB I, LLC- Collins Park Housing Project), Series 2022 (the"Bonds") Ladies and Gentlemen: The undersigned, an authorized representative for CFC—MB I LLC organized under the laws of the State of Arizona, authorized to and conducting business in the State of Florida, (the "Lessee"), hereby certifies, represents and warrants that: I. The Lessee owns CFC—MB I, LLC Collins Park Housing Project(the"Project'). 2. The undersigned and the Lessee have read and are thoroughly familiar with the provisions of the Ground Lease Agreement, dated as of , 2022 by and between the City of Miami Beach, as Lessor, and CFC- MB I, LLC as Lessee. 3. A review of the activities of the Lessee and of the Lessee's performance under the Ground Lease and the Loan Agreement during the quarter ended has been made under the supervision of the undersigned. 4. The Project's Initial Occupancy Date was ,2023. 5. As of the date of this Certificate,the following percentages of completed Workforce Housing Units in the Project are(i)occupied by Eligible Residents by particular qualifying income levels or (ii) currently vacant and being held available for occupancy by Eligible Residents and have been so held continuously since the date an Eligible Resident vacated such unit,as indicated: A. Total Number of Workforce Housing Units in the Project: B. Total Number of Workforce Housing Units Occupied: D-15 Page 129 of 272 C. Total Number of Workforce Housing Units rented to individuals whose income is at or below 80% of AMI: . D. Percentage of Qualifying Tenants(line"C" divided by line`B") E. Total Number of Workforce Housing Units rented to individuals whose income is at or below 120%of AMI: _ F. Percentage of Qualifying Tenants(line"E"divided by line`B") G. Continuously held vacant for occupancy % Workforce Housing Units; Nos. by Eligible Residents since last occupied by Eligible Residents 4'. 6. To the best knowledge of the undersigned,after due inquiry,all Workforce Housing Units were rented or available for rental on a continuous basis during the immediately preceding year to members of the general public,and the Lessee is not now and has not been in default under the terms of the Section 1I of the Ground Lease. 7. Unless otherwise expressly provided herein or unless the context requires otherwise, the capitalized terms used but not defined herein shall have the meaning assigned to such terms in the Ground Lease. Dated: ,20 . CFC-MB I, LLC, an Arizona limited liability company By: Community Finance Corporation, an Arizona nonprofit corporation, its sole member By: Name: Michael S. Hammond Its: President D-16 Page 130 of 272 LEASE R Between CFC-MB I, LLC (Landlord) and CITY OF MIAMI BEACH (Tenant) Page 132 of 272 TABLE OF CONTENTS LEASE 1 RECITALS 1 DEFINITIONS 1 AGREEMENTS 7 Exhibit A-1 32 Exhibit A-2 Exhibit B 28 Exhibit C 30 Exhibit D 31 Exhibit E 32 Exhibit F 34 Page 133 of 272 LEASE THIS LEASE ("Lease") is entered into as of , 2022, by and between CFC-MB I, LLC, an Arizona limited liability company, a wholly-owned affiliate of Community Finance Corporation, an Arizona not for profit corporation authorized to transact business in the State of Florida,solely in its capacity as landlord("Landlord"),and City of Miami Beach, a Florida municipal corporation, solely in its capacity as tenant ("Tenant" and together with Landlord, each a "Party" and collectively, the "Parties"), each of which, intending to be legally bound,and to bind their respective successors and assigns,hereby agree upon the following terms and conditions, including the following defined terms: RECITALS Landlord is the owner of the Building and has a long-term leasehold estate itt the Land(as hereinafter defined), pursuant to that certain Ground Lease dated as of 2022, by and between the City of Miami Beach, as the fee owner of the Land, and Landlord, as lessee therein(the"Ground Lease"). Landlord and Tenant desire to enter this Lease,subject to all the terms and conditions set forth herein and subject to the terms of the Ground Lease. NOW,THEREFORE,in consideration of the mutual promises and covenants set forth herein and other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, Landlord and Tenant hereby agree as follows: 1. Definitions. 1.1 `Building": The building ("Building") to be located at the property having an address of 224 23rd Street, Miami Beach, Florida and legally described on Exhibit A-1 attached hereto and incorporated herein (the"Land"). 1.2 "Premises" or "Leased Premises": Those areas of that portion of the Building located on Floor 1 of the Building consisting of approximately 2,248 square feet, identified as "Retail" on the Ground Floor layout contained in Exhibit A-2 attached hereto and incorporated herein. 1.3 "Initial Term": Landlord and Tenant are entering into this Lease, subject to the subletting and use restrictions contained herein,for an initial term of five(5)Lease Years following the Initial Commencement Date of the Lease. (a) The Lease shall start from the Initial Commencement Date. The first Lease Year for the Initial Term shall commence on the January lst immediately after delivery of the Premises to the Tenant, currently anticipated to be January 1, 2024. From there forward, each Lease Year shall begin on January I'and end December 31 st of each calendar year. (b) The term"Initial Commencement Date"shall mean the date on which the Premises are delivered to the Tenant for occupancy.The term"Final Expiration Date"shall mean the last day of the Initial Term or of any subsequent renewal term under this Lease. The term of 1 Page 134 of 272 this Lease (the "Term") shall commence on the Initial. Commencement Date and expire on December 31 of the fifth Lease Year; provided, however, at Tenant's sole option, to be exercised by notice in writing to Landlord upon not less than six (6) months prior to the expiration of the then-current Term ("Tenant's Right to Extend"), Tenant may thereafter renew for seven (7) additional and consecutive periods of five (5) Lease Years each (collectively, the "Extended Terms", and each, an "Extended Term") on the same terms and conditions as set forth in this Lease (as same may be amended), except Rent payable for the Premises during each Extended Term shall be as set forth in Section 1.5 below,but shall not be less than the final year of the prior Term. Tenant's written notice exercising an Extended Term shall constitute sufficient evidence of such extension without any further action by the Parties. Thereafter, as used herein, the term "Term" shall include the Initial Term and any Extended Term, as applicable. 1.4 "Rent Payment Date": All Rent shall be abated during the first three (3) full calendar months of the Term (e.g., if the Initial Commencement Date is January 15, 2024, Rent shall be abated through April 14, 2024). On the Initial Commencement Date, Tenant shall prepay the first six (6) installments of Monthly Rent in the aggregate amount of$31,317.00, which shall be applied to the six(6)payments of Monthly Rent commencing on the first(1st)day of the fourth (4th) full calendar month after the Initial Commencement Date and the expiration of the three- month Rent abatement period. Thereafter, all Rent shall be due and payable in monthly installments (i) on the first(151) day of each month during the Term, in advance, commencing on the first day of the tenth (I oth) full calendar month after Initial Commencement Date(the"Initial Monthly Payment Date"). Rent shall be prorated for any partial calendar month during the Term. If the Initial Commencement Date occurs on any day other than the first day of a calendar month, the prorated Rent due for the partial calendar month prior to the Initial Monthly Payment Date shall be due on the Initial Monthly Payment Date and shall be paid together with the Rent for the calendar month in which the Initial Monthly Payment Date occurs. 1.5 "Rent": The rent("Rent")payable for the Premises shall be determined as follows (if Tenant's Right to Extend is exercised, the renewal escalations shall continue reflecting a two percent (2%) escalation amount). Period Annual Rent Monthly Rent 1st Partial Lease Year* $62,634 $5,219.50 (prorated, as applicable) 1st Lease Year* $62,634 $5,219.50 prorated, as applicable) 2"d Lease Year $63,886 $5,323.83 3rd Lease Year $65,164 $5,430.33 4th Lease Year $66,467 $5,538.92 5th Lease Year $67,797 $5,649.75 6`h Lease Year $69,153 $5,762.75 7th Lease Year $70,536 $5,878.00 2 Page 135 of 272 8th Lease Year $71,946 $5,995.50 9th Lease Year $73,385 $6,115.42 10th Lease Year $74,853 $6,237.75 * If the first year of the Tenn is a partial calendar year consisting of six (6) months or less, then the Monthly Rent shall be the l' Partial Lease Year Monthly Rent set forth above. If the first year of the Term is a partial year consisting of more than six (6) months, then the Monthly Rent shall be the 1st Lease Year Monthly Rent set forth above. For illustration purposes only, (x)if the Initial Commencement Date occurs on or after July 1,2024 and before January 1,2025,then 2024 shall constitute the 1S1 Partial Lease Year and Monthly Rent shall be the ls` Partial Lease Year Monthly Rent set forth above and 2025 shall constitute the l'Lease Year and the Monthly Rent shall be the 1st Lease Year Monthly Rent set forth above and (y) if the Initial Commencement Date occurs after December 31, 2023 and on or befog"e June 30, 2024, then 2024 shall constitute the Pt Lease Year and Monthly Rent shall be the l'Lease Year Monthly Rent set forth above and 2025 shall constitute the 2"d Lease Year and Monthly Rent shall be the 2nd Lease Year Monthly Rent set forth above. (a) The Rent is deemed gross rent and represents the entire amount payable each year as set forth above for use and occupancy of the Premises (including all Common Areas (as defined below)and Amenities(as defined below),except those Amenities, if any, for which an additional fee shall be charged as identified on Exhibit B attached hereto and incorporated herein). Unless otherwise directed by Landlord in writing, Rent shall be made payable to Landlord and sent to the following address: CFC-MB I, LLC [TBD] (b) In the event that any payment for Rent due to Landlord from Tenant under this Lease is not paid within five(5)business days of the date due,then interest shall accrue on the unpaid balance until paid at a rate equal to ten percent(10%)per annum. 1.6 "Amenities": Tenant shall have the right to use on a non-exclusive basis, the amenities listed on Exhibit B attached hereto and incorporated herein by reference (the "Amenities"),which Amenities shall be provided at Landlord's sole cost and expense. 1.7 "Restricted Uses" and "Ffivetenants": The Premises can only be used by the City for uses specific to City business or it may be subleased to and/or managed by, without Landlord's approval but with prior written notice to Landlord, not-for-profit/tax exempt entities existing and operating under 26 U.S.C. 501(c)3, preferably with a cultural or performing arts purpose, such subtenants or managers hereinafter referred to as "Eligible Subtenants" and individually as an "Eligible Subtenant." Tenant understands and agrees that no part of the Premises may be subleased by Tenant to, or managed by, third parties other than Eligible Subtenants without prior written approval from Landlord,which approval shall not be unreasonably withheld unless the use by such third party would contravene the restrictions against Private Use specified in Section 18.1 3 Page 136 of 272 below, in which case Landlord may grant or withhold such approval in its sole and absolute discretion. 1.8 "Other Tenants": Landlord shall have theiright but not the obligation to lease at any time to individuals or entities, other than Tenant, all other spaces and areas of the Building which are not the Premises, which shall be individually and collectively referred to herein as the "Other Tenants." 1.9 "Common Areas":Tenant and Eligible Subtenants shall have the right,in common with Other Tenants in the Building, to use all common areas of the Building and the Land, including without limitation all common bathrooms, trash rooms, electrical rooms, mechanical rooms, lobbies,hallways (including,without limitation, service hallway in rear of Premises), each of which shall be located on the ground floor of the Building, and all stairways, elevators, off- street loading areas and other exterior areas and those areas provided for the Amenities together with reasonable access thereto to and from the Premises(collectively,the"Common Areas").No area leased exclusively to any Other Tenant shall be included in the Common Areas, and none of the Common Areas shall be leased exclusively to any Other Tenant. Notwithstanding the foregoing, Landlord shall have the right to temporarily close the Amenities or Common Areas if and to the extent reasonably necessary in connection with routine maintenance and repairs; provided that in connection with any closure of the common bathrooms, reasonable alternative bathrooms shall be provided by Landlord. Landlord may from time to time establish reasonable rules regarding the use of the Common Areas which shall apply equally and uniformly to Tenant and to Other Tenants,provided however, if Landlord reasonably determines that there has been a violation of any of such rules by any Eligible Subtenant, Landlord shall promptly deliver written notice of such violation to Tenant, and Tenant shall take such actions as Tenant shall deem reasonable to address the violation and encourage future compliance by the violating Eligible Subtenant with such rules in the future. 1.10 "Services": Services that shall be provided by the Landlord, shall consist of trash removal services, Utilities, interior and exterior window washing, and facilities maintenance, including all exterior areas of the Building (including landscaping and irrigation), and first class janitorial services to the Premises consistent with the level of services provided for commercial office space, specifically limited to trash disposal from waste bins, dusting of furniture and fixtures, vacuuming of carpeted areas, mopping or sweeping of uncarpeted areas, and monthly window cleaning. Should the Tenant or a Subtenant require additional specialized services,Tenant shall be responsible for any additional charges incurred for such specialized services. 1.11 "Manager": As of the Effective Date, Landlord has retained Servitas Management Group, LLC, as asset manager to provide property management services to the Building ("Manager"). At Landlord's direction,Manager will retain other subcontractors and agents(such as janitorial services) on behalf of Landlord to perform work and services at the Building. All references in this Lease to "Manager" refer to Manager on behalf of and as agent for Landlord, unless the context clearly states otherwise and includes all successors and assigns of Servitas Management Group, LLC. As of the first date upon which Tenant is entitled to obtain possession to any portion of the Premises, and so long as the Building is then-owned or controlled by Landlord,Landlord's property manager shall be Manager. As of the first date upon which Tenant is entitled to obtain possession to any portion of the Premises,Manager shall provide for reasonable 4 Page 137 of 272 methods for reviewing and screening of staff of Manager permitted to work within the Premises in order to ensure the safety and security of the Eligible Subtenants. Throughout the Term, Landlord agrees to provide reasonable prior written notice to Tenant (of at least ninety (90) days) of any proposed change, at any time and from time to time, during the Term of the property management service provider at the Building. 1.12 "Effective Date" means the later of(a) the date of execution and delivery of this Lease by the Parties and (b) the date on which the City Commission has approved the execution and delivery of this Lease by Tenant. 1.13 "City Commission"means the governing and legislative body of the City of Miami Beach, Florida. 1.14 "Utilities"means water(including water for domestic uses and for fire protection), sewer service, garbage collection services, or any similar service,but specifically, for purposes of Landlord's ongoing maintenance obligations under this Lease, excludes Tenant Utilities. 1.15 "Tenant Utilities" means telephone, electricity, cable TV and intemet services to the Premises. 2. Use. 2.1 General. The definitions above(and the terms,provisions,agreements,and exhibits included or referenced therein) and the Recitals shall be deemed incorporated in this Lease as if fully restated herein.Subject to the terms and conditions herein stated, Landlord hereby leases to Tenant the Premises for the Term. On the Initial Commencement Date, Landlord shall deliver the Premises to Tenant in good working order, condition and repair,as hereinabove provided, and the Premises shall be in compliance with all Laws, all at Landlord's expense. 2.2 Delivery of Premises. Landlord will provide Tenant with exclusive possession of the designated Premises in accordance with the Work Standards and Specifications for Preparation of Premises set forth on Exhibit C attached hereto and incorporated herein as well as the Delivery Specifications set forth on Exhibit D attached hereto and incorporated herein. 2.3 Ground Lease. Notwithstanding anything to the contrary contained herein, this Lease shall be subject and subordinate to the terms and conditions of the Ground Lease, as the same may be amended. 3. Assignment and Subleasing. 3.1 During the Term, Tenant shall have the right, with prior written notice to Landlord, to sublease portions or all of the Premises only to the Eligible Subtenants (each, a "Sublease")provided that: (a) no Sublease term shall extend beyond any Expiration Date of this Lease; provided,however, such Sublease may provide for renewal or extension terms which shall become effective upon any Extension Term in accordance with this Lease; and (b)Tenant shall keep Landlord informed throughout the Term of this Lease of the identity of each 5 Page 138 of 272 Eligible Subtenant. If a Sublease expires or is terminated prior to the expiration of the Term,Tenant shall have the right to sublease the affected portion(s)of the Premises to new Eligible Subtenant(s) for the remainder of the Term. Promptly following Landlord's request, Tenant shall deliver to Landlord a copy of Tenant's form of sublease agreement(the "Sublease Agreement") and, at any time Tenant materially modifies its form of Sublease Agreement, Tenant shall deliver to Landlord a copy of such modified form of Sublease Agreement. Except as otherwise expressly set forth herein, Tenant shall not assign this Lease, in whole or in part, without Landlord's prior written consent, which shall not be unreasonably withheld provided that the assignee's use of the Premises will not contravene the restrictions against Private Use specified in Section 18.1. 3.2 Except as set forth in this Lease, Landlord covenants and agrees that Landlord, for itself, and each of its agents, contractors, employees, licensees or other related parties shall not (and shall have no right to) directly interact, notify, communicate or otherwise deal with the Eligible Subtenants or their use and occupancy of the Premises (other than communications relating to routine operation and maintenance of the Premises or the Building, and/or in the event of any Emergency (as hereinafter defined) as reasonably determined by Landlord or its agents, contractors, employees, licensees or other related parties, as applicable), it being agreed by Landlord that any and all such communication, notification, directive or other information from Landlord or the other parties noted above shall be communicated only to Tenant, who shall then communicate same to Eligible Subtenants, as appropriate. As used in this Lease, "Emergency" shall be defined as any condition at or about the Premises or the Building, as applicable, which presents a significant and imminent risk of loss of life or harm to the health or welfare of any persons or a significant threat to property. 4. Agreements and Obligations. 4.1 Legal Compliance of Building. Landlord hereby represents and warrants to Tenant that at all times during the Term, the Building (including the Premises) and Landlord's operation or maintenance of same, shall be in material compliance with all applicable certificates of occupancy, statutes, codes, regulations, rules and other governmental and quasi-governmental restrictions and requirements (including laws regulating Hazardous Materials and life-safety codes)(collectively,the"Laws")in effect as of the Effective Date.Throughout the Term,Landlord shall keep and maintain the Building at Landlord's expense in a neat, orderly, good, operable and safe condition and repair, and in compliance with all Laws,as may be amended from time to time, and Landlord shall provide first class janitorial services to all of the Common Areas. To the extent that such existing Laws are amended, or new Laws are enacted after the Effective Date, Landlord shall comply with all such amended and/or new Laws, as applicable, at Landlord's sole cost and expense. 4.2 Building Common Areas. Landlord shall ensure that the Building Common Areas will be available from 8:00 a.m. to 12:00 a.m. seven (7) days per week and such other times as may be requested by Tenant and reasonably approved by Landlord during the Term by Tenant and its Eligible Subtenants, except in the case of damage or destruction or as otherwise provided herein. Building Common Areas are not intended to include any area or space in the Premises which is for the exclusive use of the Tenant hereunder. Tenant shall not be responsible for any damage to the Common Areas except to the extent caused by the negligence or misconduct of 6 Page 139 of 272 Tenant. As used in this Section 4.2, "damage" shall not include ordinary wear and tear, latent defects or damage by casualty or condemnation. 4.3 Building Repairs and Maintenance. Landlord shall be responsible at Landlord's sole cost and expense for all repair, maintenance and replacement of the Building (including the Premises) including, without limitation, all heat, air conditioning, ventilation, plumbing, electrical, glass, security and structural components and systems and all appliances, fixtures and other appurtenances contained in or serving the Premises throughout the Term except as may be damaged by an act or omission of gross negligence or willful misconduct by Tenant or any Eligible Subtenants, in which case the actual and reasonable cost and expense of such repair, maintenance and replacement shall be borne by Tenant. As used in this Section 4.3, "damage" shall not include ordinary wear and tear, latent defects or damage by casualty or condemnation. Landlord shall provide at all times during the Term, at no cost to Tenant, all Utilities in good working order and repair. Landlord shall bear the cost of all the Utilities throughout the Term. Tenant shall pay for Tenant Utilities throughout the Term;provided that Landlord shall deliver the Premises with fully functioning Tenant Utilities in good working order and repair serving the Premises. 4.4 Indemnification. Landlord shall and does hereby indemnify,protect,defend and hold Tenant and its directors, officers, agents, contractors, employees, and invitees (but specifically excluding Eligible Subtenants and their guests and/or invitees) (the "Tenant Indemnified Parties") against and from any and all claims, actual damages (but specifically excluding all special, punitive, indirect and consequential damages unless the same are actually assessed against a Tenant Indemnified Party by a third party), liabilities, obligations, losses, causes of action, costs and expenses (including, but not limited to,reasonable attorneys' fees and court costs) suffered or incurred by any or all of the Tenant Indemnified Parties and arising from or as a result of(i) any breach or default in the performance of any obligation of Landlord to,be performed pursuant to the terms of this Lease or (ii) act or omission which constitutes willful misconduct or negligence by Landlord or any officer, agent,employee,guest or invitee of Landlord. 4.5 Pest Control. (a) Landlord has implemented and shall continue to implement and maintain a pest control plan throughout the Building to prevent and remediate any infestation of pests in accordance with applicable Laws and at its sole cost and expense. Tenant and Eligible Subtenants will reasonably cooperate with Landlord's pest control plan. 4.6 Initial Inspection,Return of Premises and Final Inspection. (a) Upon taking possession of the Premises, Tenant will make commercially reasonable efforts to conduct an inspection of the Premises andhote any defects,damage or other conditions observed on the provided inspection report to Landlord within twenty one (21) days following the Initial Commencement Date(the"Premises Condition Report"or"PCR"),which upon completion and return will become part of this Lease. Tenant will request Tenant's representative to reasonably cooperate with and facilitate the completion of this process,however the failure of Tenant to comply with the foregoing shall not be deemed a breach or default by 7 Page 140 of 272 Tenant under this Lease. Landlord's acceptance and approval of the PCR will be conclusive evidence of such existing defects, damage, and conditions. Landlord agrees to have such defects, damage or other conditions repaired or remedied at Landlord's expense within a reasonable time after Landlord's receipt of the PCR. In addition to the foregoing, prior to the Initial Commencement Date (or earlier date to the extent any portion of the Premises shall be occupied by Tenant prior to the Initial Commencement Date), Tenant shall have the right to inspect the Premises and to report to Landlord any defects, damage or other conditions observed by Tenant and Landlord agrees to have such defects, damage or other conditions promptly repaired or remedied to meet the Tenant's requirements at Landlord's expense. (b) Upon the Expiration Date of the Term, Tenant shall return the Premises to Landlord in as good condition as Tenant received same on the Initial Commencement Date, customary and reasonable wear and tear,latent defects,and damage by casualty and condemnation excepted. Within ten (10) business days after the Expiration Date of the Term, Landlord and Tenant shall jointly inspect the Premises to determine the condition of the Premises. If the Premises have not been returned to Landlord in at least as good condition as Tenant received same, customary and reasonable wear and tear, latent defects, Force Majeure and damage by casualty and condemnation excepted, Landlord shall repair the Premises to the condition required herein. In the event that the Premises (or any portion thereof)are not surrendered to Landlord on or prior to the date required hereunder for any reason other than casualty, condemnation or Force Majeure, the provisions set forth in Section 19.9 herein below shall apply. As used herein,"Force Majeure" means acts of God, labor disputes(whether lawful or not),material or labor shortages,restrictions by any Governmental Authority,civil riots,floods,hurricanes,epidemics or pandemics(including, but not limited to,COVID-19), and any other cause not within the reasonable control of Landlord or Tenant, as the case may be (which shall expressly exclude the satisfaction of Landlord's or Tenant's financial obligations). 4.7 Funding Condition. In the event that Tenant does not appropriate sufficient funds for the lease of the Premises for any Lease Year,Tenant shall have the right to terminate this Lease upon not less than ninety (90) days' prior written notice to Landlord, which notice shall specify the effective date of termination, and thereafter, this Lease shall be null and void and the Parties shall have no further obligations hereunder. 5. Default. 5.1 In the event Tenant fails to make any monetary payments when due as required by this Lease, Landlord shall promptly notify Tenant of such breach in writing and Tenant shall have ten(10)business days after receipt of such notice to cure such monetary breach.In the event Tenant breaches any of its non-monetary obligations hereunder, Landlord shall promptly notify Tenant of such breach in writing and Tenant shall have twenty(20) days after receipt of such notice to cure such non-monetary breach,provided however,that in the event such breach is not reasonably able to be cured within said twenty (20) day cure period, such cure period shall be extended for such time as is reasonably necessary for Tenant to effect a cure as long as Tenant is diligently and reasonably pursuing a cure of such breach. Should Tenant fail to cure any such monetary breach within the ten (10) business day cure period noted above (except as hereinafter provided) or cure any non-monetary breach within the twenty(20)day cure period(as same may be extended)noted above, Landlord shall have all rights and remedies available under the Laws of the State of Florida. 8 Page 141 of 272 5.2 In the event Landlord shall breach any of its obligations hereunder, Tenant shall promptly notify Landlord of such breach in writing and, except as otherwise provided in this Section 5.2 and/or elsewhere in this Lease, Landlord shall have thirty (30) days after receipt of such notice to cure such breach,provided, however, that(a) if there is imminent threat to persons or property, Landlord shall use diligent effort to immediately cure such breach and (b) if there is no such emergent threat, in the event such breach is not reasonably able to be cured within said thirty(30)day cure period,but such cure has been commenced and is being diligently prosecuted, such cure period shall be extended for such time as is reasonably necessary for Landlord to effect such cure but no event shall such extension exceed sixty(60) days. In the event Landlord fails to cure any such breach within the cure period, Tenant shall have all rights and remedies available under the Laws of the State of Florida. 5.3 Notwithstanding Section 5.2, if Landlord fails or neglects to maintain, repair and replace the Building (including the Premises) or to perform any of the other obligations required of Landlord by the terms of this Lease in accordance with the provisions set forth herein within sixty(60)days after receipt of written notice from Tenant of the necessity therefor or in the event Landlord fails to provide janitorial services to the Building as required by this Lease, then Tenant may, after proper notice and a thirty(30)day period to cure by Landlord, terminate this Lease, or, at Tenant's option with respect to any failure by Landlord to perform its obligations with respect to the Premises, Tenant shall have the right but not the obligation to cure any such failure on Landlord's behalf and to offset the costs of such cure, together with interest at the Interest Rate from the date such costs are incurred by Tenant, against any payment of Rent or other amounts due to Landlord hereunder. The foregoing remedies shall be without prejudice to any other right or remedy available to Tenant hereunder or under applicable law. 5.4 Notwithstanding any provisions in this Lease to the contrary, except as set forth in Section 4.4 hereof, in no event shall Landlord or Tenant(or any Eligible Subtenant) be liable for any special, consequential, indirect, punitive, or non-economic damages arising out of this Lease or any use and occupancy of the Premises, in whole or in part. 6. Notices. Any notices required or permitted to be given hereunder shall be given in writing and shall be delivered and effective (a) if delivered in person, when delivered; (b) if delivered by certified mail, postage prepaid, return receipt requested, three (3) business days after deposit with the United States Postal Service; or(c) if delivered by a commercial overnight courier that guarantees next day delivery and requires a written receipt, signed by the addressee, one(1)business day after deposit. Such notices shall be addressed as follows: 9 Page 142 of 272 Landlord: Tenant: CFC-MB I, LLC City Manager 333 N. Wilmont Rd. City of Miami Beach Ste. 227 1700 Convention Center Drive Tucson, AZ 85711 Miami Beach, FL 33139 Attention: Gary Molenda Attention: Alina T. Hudak Telephone: 305-673-7000 Email: alinahudak@miamibeachfl.gov citymanager@miamibeachfl.gov With a copy to: Servitas Management Group LLC. 5525 N. MacArthur Blvd With a copy to: Suite 760 Irving, Texas 75038 City Attorney City of Miami Beach 1700 Convention Center Drive Floor 4 Miami Beach, FL 33139 Attention: Rafael Paz Telephone: 305-673-7470 x6277 Email: rafaelpaz@miamibeachfl.gov 7. Estoppel Certificates.Tenant shall, at any time, upon not less than thirty (30) days' prior written request by Landlord, execute, acknowledge and deliver to Landlord a statement in writing, certifying(i)that this Lease is unmodified and in full effect (or, if there have been modifications, that this Lease is in full effect as modified, setting forth such modifications), (ii) the dates to which Rent payable hereunder has been paid, (iii) that no default by either Landlord (to Tenant's knowledge) or Tenant exists hereunder or, as applicable, specifying each such default, (iv) the remaining Term hereof, and (v) such other matters as may reasonably be requested by Landlord or Landlord's lender.Landlord shall,at any time,upon not less than thirty(30)days' prior written request by Tenant execute, acknowledge and deliver to Tenant a statement in writing, certifying (i) that this Lease is unmodified and in full effect (or, if there have been modifications, that this Lease is in full effect as modified, setting forth such modifications), (ii) the dates to which Rent payable hereunder has been paid, (iii) that no default by either Landlord or Tenant exists hereunder or, as applicable, specifying each such default, (iv) the remaining Term hereof, and (v) such other matters as may reasonably be requested by Tenant. It is intended that any such statements may be relied upon by any lender, the recipient of such statements or their assignees or by any prospective lender, purchaser, assignee or subtenant of Landlord or Tenant, as the case may be. 10 Page 143 of 272 8. Insurance. 8.1 Tenant's Insurance. At all times during the Term, Tenant shall maintain Comprehensive General Liability ("CGL") coverage of at least: 1) $1,000,000.00 per occurrence; 2) S2,000,000.00 general aggregate; 3) $2,000,000.00 products and completed operations; 4) $1,000,000.00 aggregate for personal injury; and 5) Umbrella/Excess Liability coverage providing Combined of Liability coverage of at least$4,000,000.00(per occurrence and in the aggregate). 8.2 All of Tenant's insurance shall name Landlord and Landlord's lenders as Additional Insureds. The Additional Insured Endorsement for CGL coverage shall state that the coverage provided to the Additional Insureds is primary and non-contributory with any other insurance available to the Additional Insureds. If the Additional Insured has insurance which is applicable to the loss, such insurance shall be excess and noncontributory. To the extent available from the applicable insurer,Landlord shall be given notice no less than thirty(30)days in advance of any cancellation or non-renewal thereof. All of Tenant's insurance shall be provided by companies having a Best rating of at least A- or better. Prior to the commencement of the Term, Tenant shall provide to Landlord certificates of insurance to evidence Tenant's compliance with the terms of Sections 8.1 and 8.2. A renewal certificate evidencing any insurance required to be maintained by Tenant shall be provided no fewer than ten (10) days prior to the expiration of any policy. If Tenant elects to exercise Tenant's Right to Extend for a period of time exceeding a cumulative period of thirty (30) years or greater, Tenant shall maintain insurance that is commercially reasonable for similar types of tenancies in existence at such time. Notwithstanding anything to the contrary set forth in this Lease, Tenant shall have the right to self insure any loss in lieu of maintaining any insurance required under this Lease. 8.3 Landlord's Insurance. At all times during the Term, Landlord will maintain in full force and effect all-risk "special perils" insurance insuring the Building for the Building's full replacement cost(excluding the foundation) and the contents thereof for its full replacement cost (excluding personal property of Tenant or Eligible Subtenants or Other Tenants). In addition, Landlord shall maintain in force during the entire Term of this Lease comprehensive general liability insurance, including, without limitation, limits of at least $1,000,000.00 per occurrence and$2,000,000.00 general aggregate addressing bodily injury and property damage,personal and advertising injury, and products and completed operations, contractual liability coverage as outlined in ISO Form CG 001 or its equivalent with excess umbrella liability coverage in an amount of not less than $5,000,000.00 per occurrence and with an annual aggregate of not less than $5,000,000.00. Prior to the commencement of the Term, Landlord shall provide to Tenant certificates of such insurance to evidence Landlord's compliance with the terms of this Section II Page 144 of 272 8.3. All additional insured endorsements shall require that Tenant be given no less than thirty(30) days' notice in advance of any cancellation, non-renewal or material modification thereof. All of Landlord's insurance shall be provided by companies having a Best rating of at least A-or better. A renewal certificate evidencing any insurance required to be maintained by Landlord shall be provided no later than ten(10) days prior to the expiration of the policy.] 9. Damage or Destruction. 9.1 If the Building (including the Premises) is damaged or destroyed or rendered partially or wholly untenantable for its accustomed use by fire or other casualty (such an event hereinafter referred to as "Damage"), the Term of this Lease shall continue but all Rent and other charges due from Tenant to Landlord hereunder shall abate from the first(1S`) day of such Damage until such Damage shall have been repaired by Landlord, and further provided that if within ninety (90) days after the date of such Damage, Landlord has not repaired such Damage, then Tenant shall have the right to terminate this Lease by delivering written notice thereof to Landlord and an additional thirty (30) days after the expiration of such ninety (90) day period to complete such repairs. In the event that Landlord restores the Building before Tenant has terminated the Lease,Tenant shall accept possession of the Premises as so restored and resume payment of Rent. 9.2 In the event that Landlord undertakes any restoration or repair of the Building following any damage as described above, Landlord shall use commercially reasonable efforts to repair and restore the Building to a condition substantially the same, or better, than the condition of the Building which existed immediately prior to such damage, at Landlord's expense. In addition, in the event of such damage, Landlord shall take immediate action as may be reasonably necessary to secure the damaged area(s) and protect against any further damage, injury or loss. Landlord shall not be liable for any damage to or destruction of any personal property of Tenant or any of the Eligible Subtenants. Landlord shall keep Tenant reasonably apprised of its restoration schedule and shall provide Tenant with prior written notice at least sixty (60) ) days prior to the anticipated delivery to Tenant of any restored areas of the Premises. 9.3 Notwithstanding anything to the contrary set forth herein, Landlord shall be obligated to restore all Damage to the Premises and the Building to the extent required to be restored by Landlord,as ground lessee,pursuant to the Ground Lease. 10. Condemnation. In the event that any portion of the Building (including the Premises) is taken by any public authority under power of eminent domain or is conveyed under threat of such taking, at Tenant's option, the Term of this Lease shall terminate (regardless of any notice and cure periods afforded to Landlord as set forth in this Lease) and all Rent, fees and other payments due and payable hereunder by the Tenant shall abate from the date of such act of eminent domain or conveyance in lieu thereof, or this Lease shall not terminate, but Rent and all other charges payable hereunder shall abate from the date of such act of eminent domain or conveyance in lieu thereof, pro-rata, based upon the square footage of the Premises so taken or reduced for the remainder of the Term. 11. Quiet Enjoyment. So long as Tenant shall not be in breach of Tenant's obligations under this Lease beyond applicable notice and cure periods,Tenant shall be entitled to peaceful and quiet • 12 Page 145 of 272 enjoyment of the Premises, undisturbed by Landlord or any person or entity claiming possession through or under Landlord, subject to the terms of this Lease. 12. Utilities. 12.1 Landlord shall, as part of the initial construction of the Premises, provide for two sub-meters for the measuring of electricity for the Premises, allowing for service to separate portions of the Premises. 12.2 Upon reasonable prior written notice to Tenant (of at least 72 hours, provided, however,no prior notice shall be required to be given in the event of any Emergency as reasonably determined by Landlord, but Landlord shall use reasonable efforts to promptly provide telephonic notice as soon as practicable after undertaking any of the actions set forth in this Section 12), Landlord shall have the right to temporarily suspend any one or more of the Utilities or other services to the Premises (other than security services to the Building or the Premises) in order to perform maintenance and/or repair and/or protect the Building, Premises, Tenant and/or Eligible Subtenants from risk or harm or loss; provided however that in the event any Essential Services (as hereinafter defined) are not fully restored by Landlord within twenty-four (24) hours of such suspension,Rent shall abate until such time as all Essential Services (as hereinafter defined) are fully restored. 12.3 As used in this Section 12, "Essential Services" shall be deemed to mean the electricity, gas, heating, ventilating and air conditioning, water, sewer and elevator services (but only in the event of a complete interruption of elevator services) servicing the Premises. 12.4 In the event of any Force Majeure event, which event temporarily suspends any Essential Services or security services to the Premises, and which event was not caused in whole or in part by the actions or omissions of Landlord, all Rent and other charges due from Tenant to Landlord hereunder shall abate from the fourth (4th) date of such suspension until full restoration of all such Essential Services or security services; and further provided that if within thirty (30) days after the date of such suspension, Landlord has not obtained the restoration of such Essential Services then Tenant shall have the right, notwithstanding any provision to the contrary herein (including Section 5.2 above), to terminate this Lease by delivering written notice thereof to Landlord prior to Landlord's completion of such restoration work. 12.5 Notwithstanding any provision herein, if any suspension or interruption of Utilities or other services (including,without limitation, Essential Services and/or security services) arises in whole or in part by the actions or omissions of Landlord or Landlord's property manager, all Rent and other charges due hereunder from Tenant to Landlord with respect to the Premises so effected shall automatically abate from the first (151) day of such suspension or interruption until full restoration of such Utilities and/or other services, regardless of any notice and cure periods afforded to Landlord in this Lease, and further provided that if such Utilities and services are not fully restored to all affected portions of the Premises within five(5)days after the commencement of such suspension or interruption, Tenant shall have the right, inter cilia, to terminate this Lease, effective immediately, as of the first day of such suspension, regardless of any notice and cure periods afforded to Landlord in this Lease, and all Rent and other charges shall be pro-rated as of the effective date of such termination on the basis of portions of the Premises so affected, or, at 13 Page 146 of 272 Tenant's option, Tenant shall have the right but not the obligation to undertake to restore such Utilities or other services serving the Premises and to offset the costs thereof,together with interest at the Interest Rate from the date such costs are incurred by Tenant, against any payment of Rent or other amounts due to Landlord hereunder. 13. Landlord's Entry. Neither Landlord nor any of Landlord's agents, contractors, employees, licensees, invitees or other related parties shall (and none of the foregoing have any right to) enter the Premises and/or any portion thereof(leased hereunder, or otherwise subleased to any Eligible Subtenant under a Sublease) without prior written notice to Tenant (and where possible, a schedule shall be provided to Tenant for entry approval). Tenant or a designated employee or agent of Tenant must be present at all times to accompany Landlord or any of Landlord's agents,contractors, employees,licensees, invitees or other related parties, including as a result of an event or on-going routine maintenance or cleaning (except(i) in the event Landlord is responding to a written request for work or repair submitted by Tenant or any Eligible Subtenant: and in each such case of entry, Landlord (or Landlord's agent)shall leave written notice detailing the date and nature of work or repair undertaken by Landlord(or Landlord's agent); and(ii) in the event of an Emergency as reasonably determined by Landlord, in which case Landlord shall notify Tenant of such entry as soon as possible by telephone with a written notice promptly delivered thereafter to Tenant, detailing the cause and nature of such entry). Notwithstanding the foregoing, Landlord shall not be permitted to unreasonably disturb any Eligible Subtenant's use and enjoyment of the Premises. 14. Security. Upon receipt of a record of all Eligible Subtenants who have Tenant's authorization to be residing in the Premises, and therefore, should be allowed access to the Building (the"Subtenant List") from Tenant, Landlord shall be responsible for keeping such list, as modified by Tenant from time to time. Either Landlord or Tenant may call the police, fire department or paramedics for any situation it deems requires legal intervention or an emergency response. Landlord shall maintain and operate the existing key card access and entry system (the "Key Card System"), or any replacement key card system that the Landlord may from time to time reasonably decide to adopt, for use by Tenant and the Eligible Subtenants for entrance into the Building and the Premises. Landlord shall issue to Tenant key cards for use with the Key Card System (the "Key Cards"); Tenant shall be responsible for issuing Key Cards directly to the Eligible Subtenants and shall use all commercially reasonable efforts to return the Key Cards to Landlord at such time as Tenant or an Eligible Subtenant no longer has the right to have access to the Building as provided herein. The cost of all replacements for lost Key Cards (as opposed to non-functioning Key Cards) shall be borne by Tenant. Landlord shall throughout the Term keep the Key Card System in good working order and repair at Landlord's expense. To the extent provided in this Lease, Tenant shall be responsible for the conduct of Tenant and the Eligible Subtenants within the Premises, but Tenant shall expressly have no obligations with respect to the safety and security of the Building, except to the extent that such security and safety are compromised by any gross negligence or willful misconduct of Tenant. Notwithstanding anything to the contrary set forth in this Lease, Tenant, at Tenant's option and at Tenant's sole cost and expense, may elect to utilize its own key card access and entry system for the Premises, in which case, Tenant shall issue a key card to Landlord for its use in connection with the exercise of Landlord's rights and obligations under this Lease. 14 Page 147 of 272 • 15. Modification of the Building. Tenant and Eligible Subtenants shall not construct, demolish, or make any modification or cause any of the foregoing to be done to any part of the Premises (individually and collectively, "Alterations") without the prior written consent of Landlord which consent shall not be unreasonably withheld, conditioned or delayed, including without limitation,in connection with Landlord's review and approval of Tenant's proposed plans and specifications therefor. 16. Mechanic's Liens. - 16.1 Tenant shall not permit mechanic's or other liens to be placed upon the Building, the Premises or Tenant's leasehold interest in connection with any work or service performed or purportedly performed for which Tenant shall have contracted. If a lien is so placed, Tenant shall, within twenty (20) days of notice from Landlord ofthe filing of the lien, fully discharge the lien by settling the claim that resulted in the lien or by bonding or insuring over the lien in the manner prescribed by the applicable lien law unless the Building is being refinanced or sold (to any party other than Tenant)and Landlord notifies Tenant in writing of such impending refinance or sale, in which case, such twenty (20) day period shall be shortened to ten (10) days from the date Tenant receives such notice from Landlord. If Tenant fails to discharge or bond or insure over the lien in the manner prescribed by the applicable lien law within said period, then, in addition to any other right or remedy of Landlord,Landlord may bond or insure over the lien or otherwise discharge the lien. Tenant shall reimburse Landlord for the actual and reasonable amount paid by Landlord to bond or insure over the lien or discharge the lien, including, without limitation, reasonable attorneys' fees (if and to the extent permitted by law) as additional rent within thirty (30) days after receipt of an invoice from Landlord. 16.2 In the event that Landlord consents to any construction by Tenant as provided by Section 15 of the Lease,Tenant hereby acknowledge and agrees, and shall cause any contractor or subcontractor of Tenant to acknowledge and agree,that to the fullest extent permitted by applicable Laws and subject to Landlord recording a notice of no liens in the public records of the County in which the Premises are located pursuant to Chapter 713, Florida Statutes, all mechanic's lien and other lien rights of any contractor or subcontractor and other parties retained by or on behalf of Tenant or such contractor or subcontractor shall be junior and subordinate to the lien(s) of all of Landlord's lender or lenders, and to the interest of any and all subsequent purchasers of the Land or the Building, or both. Tenant shall require all contractors and subcontractors, or other party retained by any contractor or subcontractor to subordinate, to the fullest extent permitted by applicable Laws, its lien rights as provided in the preceding sentence. 17. Non-liability of Landlord.Provided Landlord shall have satisfied its obligations set forth herein, including but not limited to providing limited security to the Premises during the Term as set forth in Section 14 above, and so long as Landlord shall not have performed or undertaken any actions or omissions of willful misconduct or gross negligence, Landlord shall not be liable for any damage to the property of Tenant, the Eligible Subtenants, their invitees or of others located in the Building, nor for the loss of or damage to any property of Tenant, the Eligible Subtenants or their invitees.All property of Tenant and the Eligible Subtenants kept or stored in the Building shall be so kept or stored at the risk of Tenant and such Eligible Subtenants only, subject to Landlord's obligation to provide security services for the Building and the Premises. 15 Page 148 of 272 18. Tax Exempt Bond Compliance. 18.1 General Private Use Limits. As of the Effective Date, and all times thereafter during the Lease Term (including any Extended Terms) but only so long as the Leased Premises are subject to the lien of tax-exempt bonds (the "Bonds") and only as and to the extent required by applicable Law, Tenant shall not assign or sublease any portion of the Leased Premises to another party other than an Eligible Subtenant without Landlord's prior written consent as further described above. The Leased Premises have been and will be used solely for activities directly related to the exempt purposes of Tenant and the Eligible Subtenants. Tenant does not expect to and shall not perform any act,enter into any agreement, or use or permit any portion of the Leased Premises, to be used in any manner by an entity other than a state or local government or a 501(c)(3) organization (but only to the extent such organization is using the Leased Premises exclusively in activities directly related to the exempt purposes of such organization), or for any trade or business unrelated to the exempt purposes (as defined in Section 513/a) of the Internal Revenue Code(the"Code"))of Tenant or such Eligible Subtenant. Thus,no portion of the Leased Premises, in the aggregate,will be used for any"Private Use"as defined in this Section 18.1. For purposes of this Lease, "Private Use" means (a) the conduct of any activity or activities constituting a trade or business(or group of trades or businesses)carried on by any person or entity other than Tenant, a state or local governmental unit or a 501(c)(3) organization or (b) any unrelated trade or business (as defined in Section 513(a) of the Code) or any business not related to the exempt purpose of Tenant, a state or local government or a 501(c)(3) organization. Private Use shall also include,without limitation, Management Contracts (as defined below) entered into with,and the lease or rental of the Leased Premises or any part thereof to,third parties that are not organizations described in Section 501(c)(3) of the Code using the Leased Premises in a manner substantially related to their and Tenant's exempt purpose. The amount of Private Use is measured over the remaining term of the Lease based on the portion of the total square footage of the Leased Premises subject to the Private Use arrangement and the portion of time the Private Use takes place as compared to the aggregate time the Leased Premises actually are used for all purposes. A lease or rental of the Leased Premises that is not an unrelated trade or business activity is not a Private Use if the term of such lease or rental is (i) not more than one hundred (100) days (including any renewal options) if the compensation under the lease or other arrangement is determined, or redetermined at the time of any renewal, at generally applicable, fair market value rates but use pursuant to such leases is not reasonably available to natural Persons not engaged in a trade or business, or(ii)not more than fifty(50) days(including any renewal options)if the compensation under the lease or other arrangement is determined,or redetermined at the time of any renewal, in a negotiated arm's length transaction and compensation under the lease is at fair market value. 18.2 Service Contracts. So long as,the Leased Premises are subject to the lien of tax- exempt Bonds, and only as and to the exteht required by applicable Law, Tenant represents, warrants and covenants that Tenant has not entered into,does not expect to and will not enter into any agreement(a"Management Contract")with any Person(a"Management Company") that provides for such Management Company to manage, operate or provide services with respect to any portion of the Leased Premises unless such Management Contact satisfies the requirements set forth in IRS Revenue Procedure 2017-13, as may be amended by the IRS after the date hereof (an "Eligible Management Contract"). Such rules shall not apply to contracts for janitorial, maintenance, machine repair, billing services, or other incidental services, so long as such 16 Page 149 of 272 contracts are on commercially reasonable terms. Tenant shall have the right to enter into Eligible Management Contracts without Landlord's consent. 18.3 Sectarian Use. So long as the Leased Premises are subject to the lien of tax-exempt Bonds and only as and to the extent required by applicable law,Tenant has not and will not permit any portion of the Leased Premises to be used primarily for sectarian instruction or study or as a place of devotional activities or religious worship or as a facility used primarily in connection with any part of a program of a school or department of divinity for any religious denomination or the training of ministers, priests,rabbis or other similar Persons in the field of religion. 18.4 Ongoing Compliance. So long as the Leased Premises are subject to the lien of tax- exempt Bonds and only as and to the extent required by applicable law, Tenant will promptly respond to periodic requests for information by Landlord or its agents regarding the federal tax status of Tenant and any actual or anticipated Private Use, including providing related documentation to Landlord or its agents. Tenant will comply with reasonable requests to make the Leased Premises available for a site visit by the IRS in connection with any examination of the Bonds, which Bonds will be repaid from the rent collected by Landlord, subject to any notice requirements applicable under the Lease. 18.5 Acknowledgement of Reliance. Tenant hereby acknowledges and understands that Landlord will and is entitled to,rely on the representations made in this Section 18 in making their own representations with respect to the Bonds and the use of the Leased Premises, and that Landlord's counsel with respect to the Bonds will and are entitled to, rely on the representations made in this Section 18, in rendering their respective opinions related to the Bonds. 18.6 Conflicts. In the event of any inconsistency between the provisions of this Section 18 and any other provisions of the Lease, the provisions of this Section 18 shall prevail. 19. Miscellaneous. 19.1 This Lease shall be construed and enforced in accordance with the laws of the State of Florida. 19.2 The captions of this Lease are for convenience only and are not to be construed as part of this Lease and shall not be construed as defining or limiting in any way the scope or intent of the provisions hereof. In the event any provision of this Lease is determined to be invalid or unenforceable, such provision shall be deemed severed from the Lease and the remainder of the Lease shall not be affected thereby. 19.3 This Lease represents the final and entire agreement between Tenant and Landlord and supersedes all other communications, negotiations, representations and agreements by Landlord and Tenant. This Lease may be amended only in writing signed by both Landlord and Tenant. 19.4 In the event of a transfer of Landlord's interest in the Premises, if and to the extent permitted pursuant to the Ground Lease, the transferee shall take subject to Tenant's interests in this Lease and Tenant shall attorn to and recognize the transferee as Landlord under this Lease for the balance of the Term provided such transferee shall assume Landlord's obligations hereunder 17 Page 150 of 272 and recognize Tenant's rights hereunder, and thereafter, this Lease shall continue as a direct lease between Tenant and such transferee.All of the covenants,agreements,conditions and undertakings contained in this Lease shall extend and inure to and be binding upon the parties hereto and their permitted successors and assigns. 19.5 This Lease may be signed in separate counterparts, all of which, when signed and delivered, shall constitute the same document. Subject to Section 19.17 below, a party's signature on this Lease transmitted by that party by facsimile copy (including without limitation, via email transmission)shall be binding on such party. 19.6 To the maximum extent permitted by law, Landlord and Tenant agree that all actions or proceedings arising in connection with this Lease shall be tried and determined only in the State and Federal courts located in the County of Miami-Dade, State of Florida. To the maximum extent permitted by law Landlord and Tenant hereby expressly waive any right it may have to assert the doctrine of forum non conveniens or to object to venue to the extent any proceeding is brought in accordance with this Section 19.6. 19.7 TO THE MAXIMUM EXTENT PERMITTED BY LAW, LANDLORD AND TENANT HEREBY EXPRESSLY WAIVE ANY RIGHT TO TRIAL BY JURY OF ANY ACTION, CAUSE OF ACTION, CLAIM, DEMAND, OR PROCEEDING ARISING UNDER OR WITH RESPECT TO THIS LEASE AND/OR THE PREMISES, OR IN ANY WAY CONNECTED WITH, RELATED TO, OR INCIDENTAL TO THE DEALINGS OF LANDLORD AND TENANT WITH RESPECT TO THIS LEASE, IN EACH CASE WHETHER NOW EXISTING OR HEREAFTER ARISING, AND WHETHER SOUNDING IN CONTRACT, TORT, OR OTHERWISE. TO THE MAXIMUM EXTENT PERMITTED BY LAW, LANDLORD AND TENANT HEREBY AGREE THAT ANY SUCH ACTION, CAUSE OF ACTION, CLAIM, DEMAND OR PROCEEDING SHALL BE DECIDED BY A COURT TRIAL WITHOUT A JURY AND THAT LANDLORD AND TENANT,OR BOTH,MAY FILE A COPY OF THIS LEASE WITH ANY COURT OR OTHER TRIBUNAL AS WRITTEN EVIDENCE OF THE CONSENT OF LANDLORD AND TENANT TO THE WAIVER OF ITS RIGHT TO TRIAL BY JURY. 19.8 Landlord and Tenant represent and warrant to the other that neither of them has had any dealings with any broker or agent in connection with the transactions contemplated hereby. Landlord and Tenant covenant to pay,hold harmless and indemnify the other from and against any and all costs,expenses or liability for any compensation,commissions and charges claimed by any broker or agent, with respect to the transactions contemplated hereby or the negotiation thereof and arising by virtue of the acts of the indemnifying party. 19.9 In the event that Tenant or any Eligible Subtenant or any licensee, user or other occupant claiming possession by or through Tenant or any Eligible Subtenant remains in possession or occupancy for a period of more than two(2)business days after the date the Premises (or any portion thereof) are to be surrendered to Landlord as required hereunder, such continued occupancy or possession shall not be deemed a holdover by Tenant with respect to the entire Premises leased herein, but shall be deemed a tenancy at sufferance on the same terms and conditions, but in lieu of Rent otherwise due and payable in the amount set forth herein, Tenant shall pay Rent on a per diem basis (using a thirty (30) day month) for the Premises, calculated 18 Page 151 of 272 using a monthly rate equal to 150% of the then-current Monthly Rent. For avoidance of doubt, the parties further agree that during any such tenancy created by the provisions of this Section 19.9, Rent will be due and payable on the entire Premises notwithstanding the fact that such continued occupancy or possession affects less than all of the Premises. Notwithstanding the foregoing, in no event shall Tenant be liable for any consequential, punitive, indirect, special or non-economic damages as a result of any such holdover at the Premises, and the increased Rent amounts set forth in this Section 19.9 shall be deemed liquidated damages for Landlord, and Landlord's sole remedy in lieu of all others. 19.10 Landlord represents and warrants to Tenant that, as of the date Tenant is entitled to obtain possession of any portion of the Premises, and thereafter, throughout the Term, any "Hazardous Material" (as defined below) located in the Building and not caused by any act or omission of Tenant or any officer, agent, employee, guest or invitee of Tenant shall be managed in accordance with all applicable Laws. Landlord and Tenant agree that neither party shall transport, use, store, maintain, generate, manufacture, handle, dispose, release or discharge any Hazardous Material upon or about the Building, or permit any employees, agents, contractors, invitees of Tenant, or other Eligible Subtenants of the Premises, to engage in such activities upon or about the Building, except in accordance with applicable Laws. The term "Hazardous Material" for purposes hereof shall mean any chemical, substance, material or waste or component thereof which is now or hereafter listed, defined or regulated as a hazardous or toxic chemical, substance, material or waste or component thereof by any federal, state or local governing or regulatory body having jurisdiction, or which would trigger any employee or community "right-to-know" requirements adopted by any such body. Notwithstanding the foregoing, the parties agree that the use of customary consumer cleaning products, and computer and office supplies by Landlord, Tenant or any Eligible Subtenant in non-reportable quantities shall not be deemed "Hazardous Materials" for the purposes of this Section 19.10. Landlord represents and warrants that to its actual knowledge,there are no Hazardous Materials at, in,about or under the Building in violation of applicable Laws. 19.11 The failure of Landlord or Tenant to insist on strict compliance with any terms hereof or to exercise any right or remedy shall not waive such terms or rights or remedies. Waiver of any agreement regarding any breach by Landlord or Tenant shall not affect any subsequent or other breach by such party unless so stated. No waiver by Landlord or Tenant of any violation or provision of this Lease shall be effective unless expressed in writing and signed by the party so waiving such violation or provision. 19.12 In the event of the sale or other transfer of Landlord's right,title and interest in this Lease, the Premises, or the Building (except in the case of a sale-leaseback financing transaction in which Landlord is the lessee), upon the express written assumption of this Lease by the transferee, Landlord shall be released from all liability and obligations hereunder derived from this Lease arising out of any act,occurrence or omission relating to the Premises or this Lease occurring after the consummation of such sale or transfer. Tenant shall have no right to terminate this Lease or to abate Rent nor to deduct from, nor setoff, nor counterclaim against Rent solely because of any sale or transfer (including, without limitation, any sale-leaseback) by Landlord or its successors or assigns. 19 Page 152 of 272 19.13 Any obligations of Landlord and Tenant accruing prior to the expiration of Term of this Lease shall survive the expiration or earlier termination of the Lease, and Landlord and Tenant shall promptly perform all such obligations whether or not any Terms of this Lease shall have expired or this Lease has been terminated. 19.14 Nothing contained in this Lease shall be deemed or construed by the parties to this Lease, or by any third party, to create the relationship of principal and agent, partnership,joint venture,or any association between Landlord and Tenant,it being expressly understood and agreed that neither the method of computation of rent nor any other provisions contained in this Lease nor any acts of the parties to this Lease shall be deemed to create any relationship between Landlord and Tenant other than the relationship of landlord and tenant. • 19.15 Landlord and Tenant have jointly participated in the drafting of this Lease. Accordingly, this Lease shall be construed neither for nor against Landlord or Tenant notwithstanding the party which drafted same, but shall be given a fair and reasonable interpretation in accordance with the meaning of its terms and the intent of the parties. 19.16 Except as expressly provided herein,each covenant, agreement,obligation or other provision of this Lease to be performed by Landlord or Tenant (including, but not limited to, Tenant's obligation to pay Rent) is a separate and independent covenant of such party, and is not dependent on any other provision of this Lease. 19.17 Tenant represents and warrants as of the Effective Date that this Lease has been duly authorized, executed and delivered by and on behalf of Tenant and constitutes the valid and binding agreement of Tenant in accordance with its terms. Landlord represents and warrants that this Lease has been duly authorized, executed and delivered by and on behalf of Landlord and constitutes the valid and binding agreement of Landlord in accordance with its terms, and that no third party consents to the terms and conditions of this Lease are required to be obtained by Landlord prior to the validity, effectiveness or enforceability of this Lease(or if such consents are required, Landlord has obtained all of same, without reservation or condition). Notwithstanding anything to the contrary set forth herein, the Parties acknowledge and agree that this Lease shall not be binding upon Tenant and the Effective Date shall not be deemed to have occurred until the City Commission has approved the execution and delivery of this Lease by the Tenant. 19.18 As used herein, the term"business day"shall mean any day other than a Saturday, Sunday, any federal or State of Florida authorized holiday. 19.19 Landlord represents and warrants to Tenant that as of the Effective Date: (a) The execution and delivery of this Lease is not in violation of any law, ordinance, agreement, provision or encumbrance to which Landlord, the Premises, the Building, the Land or the Common Areas is or may be subject. (b) Upon completion, the Land and the Building will be and will remain'in compliance with all Laws (including Laws relating to the Hazardous Materials). Landlord has not received any notice of non-compliance by the Land for its intended use as dormitories, related facilities and/or residential facilities and, with respect to the Premises, for governmental, performing arts and/or cultural purposes. 20 Page 153 of 272 (c) Landlord agrees that if it is determined that the ownership of the Building must be held in separate condominium units in order to obtain various tax benefits including, without limitation, exemption from ad valorem taxation for the Premises, Landlord shall create such a condominium regime and Tenant shall reasonably cooperate in that regard at no cost or expense to Tenant. (d) The only party holding a mortgage,deed of trust or other voluntarily granted lien instrument which encumbers Landlord's ground leasehold interest in the Building (or any portion thereof) is Miami-Dade County Industrial Development Authority, and its successors or assigns("Lender"), and Landlord has received no written notification as of the Effective Date that Lender has assigned or sold its interest in such mortgage,deed of trust or lien instrument(in whole or in part) to any other person or entity or that Landlord is in breach or default under any such mortgage, deed of trust or lien instrument. Further, Landlord is not in breach or default of, and is not aware of any matter, fact, event or condition which, with the giving of notice or passage of time (or both) would be a breach or default under, any such mortgage, deed of trust or lien instrument. 19.20 Notwithstanding any provision herein to the contrary, if any, Tenant shall not be liable for any damage to the Premises or other portions of the Building caused by Other Tenants or persons in the Building(other than the Eligible Subtenants but only as and to the extent expressly set forth in this Lease, as applicable),tenants of adjacent property or the Building,or the public, or cause by operations in construction of any private,public or quasi-public work. 19.21 In the event of a judicial or administrative proceeding or action by one party against the other party with respect to the interpretation or enforcement of this Lease,the prevailing party shall be entitled to recover its reasonable costs and expenses, including reasonable attorneys' fees and expenses,whether at the investigative,pre-trial,trial or appellate level from the non-prevailing party. The prevailing party shall be determined by the court based upon an assessment of which patty's major argument or positions prevailed. 19.22 As used in this Lease,the words"abate", "reduce"and words of similar import and construction which modify Tenant's obligations to pay Rent (and any other charges, costs,and expenses due Landlord,if any)shall be interpreted as if followed by the words"without recapture" in each instance. 19.23 All transactions with respect to the Eligible Subtenants' use and occupancy of the Premises shall be between Tenant and the Eligible Subtenants. 19.24 The descriptive headings of the paragraphs of this Lease are inserted for convenience only and shall not control or affect the meaning or construction of any provisions of this lease. Words such as "herein", "hereinafter", "hereunder" when used in reference to this Lease, refer to this Lease as a whole (including the Exhibits to this Lease) and not merely to a subdivision in which such words,unless the context otherwise requires. The singular shall include the plural and the masculine gender shall include the feminine and neuter, and vice versa, unless the context otherwise requires. The word "including" shall not be restrictive and shall be interpreted as if followed by the words"without limitation". 21 Page 154 of 272 19.25 To the extent permitted by applicable Law, the terms, conditions, covenants and obligations set forth in this Lease(including,without limitation,the amount of Rent payable)shall be kept confidential and shall not be disclosed by any party without the prior written consent of the other party (which consent shall not be unreasonably withheld or delayed) except to those officers, partners, employees, directors, attorneys, accountants, financial advisers, investors, lenders or regulatory authorities who reasonably and legitimately need to know such information for the purpose of assisting such party in connection with the leasing arrangements contemplated herein, or except as may be required by judicial order or in order to comply with applicable Laws; provided however that each party shall give the other party at least seven (7) business days prior written notice of any intended or proposed disclosure of such confidential information as permitted aforesaid. 19.26 Notwithstanding anything to the contrary set forth herein, nothing herein shall preclude the Tenant's City Manager from seeking direction from or electing to have the City Commission determine any matter arising out of or related to this Lease, including any approval contemplated under this Lease (within the timeframe specified therefor as if the approval was being determined by the City Manager), any proposed amendment or modification to this Lease or any separate agreement relating to the Premises or otherwise referenced in this Lease. [REMAINDER OF PAGE INTENTIONALLY BLANK; SIGNATURES FOLLOW ON IMMEDIATELY SUCCEEDING PAGE] 22 Page 155 of 272 IN WITNESS WHEREOF, Landlord and Tenant have entered into this Lease as of the Effective Date. LANDLORD: TENANT: CFC-MB I,LLC,an Arizona limited liability CITY OF MIAMI BEACH,FLORIDA, a company Florida municipal corporation By: COMMUNITY FINANCE CORPORATION,an Arizona nonprofit By: corporation, its sole member Name: Its: By: Name: Michael S. Hammond Its: ATTEST: By: City Clerk Approved for form and legal sufficiency: By: City Attorney 23 Page 156 of 272 Exhibit A-I Legal Description of the Land Lots 7, 9 and 11, less the northern 10 feet for right-of-way, and the northern 25 feet of Lots 10 and 12, Block 2, Amended Map of THE OCEAN FRONT PROPERTY OF THE MIAMI BEACH IMPROVEMENT COMPANY, as recorded in Plat Book 5 at Page 7, of the Public Records.of Miami-Dade County,Florida. Common Address: 224 23rd St. Miami Beach, FL 33139-1714 Parcel: 02-3226-001-0460 Page 157 of 272 • Exhibit A-2 The Premises 0Tc 0 0 Building Area Legend II ^�1. L. J kl r RETAIL ▪CIRCULATION z,xesF ❑GYM 0.t 0 0 0 li p ' ❑LOBBY I i — . RETAIL ❑STORAGE 2434' 2. flQa ._ = g s _h_..__y r I. r i . L J L J GROUND FLOOR r•me Page 158 of 272 Exhibit B List of Amenities Landlord at its expense will provide and keep in good working order, repair and condition the following amenities (the "Amenities") for the exclusive or non-exclusive use of Tenant, and its Subtenants, as applicable, with no additional cost to the Tenant except as noted herein: 1. Storage areas (which shall be under exclusive control of Tenant during such use), subject to availability; and 2. Lockers for storage of delivery packages for 72 hours or less. • • Page 159 of 272 Exhibit C Work Standards and Specifications for Preparation of Premises Landlord shall deliver the Premises to Tenant upon the Initial Commencement Date, in the following conditions, ordinary wear and tear excepted: • The entire Premises including Common Areas will be cleaned to professional standards. • All Utilities and Tenant Utilities will be fully functioning as agreed in this Lease. • Walls and flooring will be in new condition. • All Amenities (as stated in Exhibit B) will be clean and functional and otherwise in the condition required by this Lease. Page 160 of 272 Exhibit D Delivery Specifications The Premises shall be delivered to Tenant by Landlord with the following specifications, together with such modifications and additions requested by Tenant and reasonably approved by Landlord in connection with the proposed use of the Premises: 1. All required structural elements, including columns, girders,beams, and joists. 2. Masonry or concrete exterior walls. 3. Floor: Concrete slab. 4. Egress Door: Egress will be provided per City Code requirements. { 5. Electrical Service: Landlord shall provide two (2) empty conduits for electrical service; Landlord to coordinate with Tenant or its subtenant(s) to confirm the size of the panel. Distribution within the Premises to be by Tenant. Electrical panel by Tenant. 6. Telephone: Landlord shall provide one(1) empty conduit from point of service to a location within the tenant space. 7. Water: Landlord will bring domestic water and sanitary sewer lines to the tenantspace. 8. Storefront:. Landlord shall provide code-compliant storefront system (including windows). 9. Heating, Ventilation and Air Conditioning: Landlord will provide a supply and return line from the base building system stubbed into the tenant space and valved off. Tenant will be required to provide its own A/C system. 10. Sprinkler System: Landlord to provide code-compliant sprinkler system for original baseline shell design. Tenant will provide code-compliant sprinkler system for finished space. Page 161 of 272