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97. General Certificate of Fiscal Agent - Vista Breeze 4872-8710-7464.3 GENERAL CERTIFICATE OF FISCAL AGENT Dated: December 15, 2023 The undersigned, an authorized officer of The Bank of New York Mellon Trust Company, N.A. (the “Bank”), does hereby certify on behalf of the Bank that: 1. The Bank in its capacity as fiscal agent (the “Fiscal Agent”) has entered into a Funding Loan Agreement (the “Funding Loan Agreement”) with the Housing Finance Authority of Miami-Dade County, Florida (the “Authority”) dated as of December 1, 2023, relating to the Authority’s $32,500,000 Multifamily Housing Revenue Note, Series 2023 (Vista Breeze) (the “Governmental Note”). The proceeds of the Governmental Note are advanced to the Authority by Bank of America, N.A., as funding lender (the “Funding Lender”) and loaned by the Authority to Vista Breeze, Ltd., a Florida limited partnership (the “Borrower”) pursuant to a Construction Phase Borrower Loan Agreement, dated as of December 1, 2023, by and among the Authority, the Fiscal Agent and the Borrower (collectively, the “Borrower Loan Agreement”). 2. The Bank is a national banking association with trust powers, duly organized and validly existing under the laws of the United States. 3. The Bank has the corporate power and capacity to accept and execute the trust created under the Funding Loan Agreement as and when required and to carry out the duties and obligations of the Fiscal Agent under the Funding Loan Agreement, the Borrower Loan Agreement, the Land Use Restriction Agreement dated as of December 1, 2023 (the “LURA”), among the Authority, the Fiscal Agent and the Borrower, the Construction Loan Servicing Agreement, dated as of December 1, 2023 (the “Servicing Agreement”) among the Authority, Amerinat®, a Minnesota limited liability company, the Fiscal Agent, and the Borrower, the Tax Certificate relating to the Governmental Note (collectively, the “Financing Documents.”) 4. The execution, delivery and performance by the Fiscal Agent of its duties under the Financing Documents have been duly authorized by all necessary corporate action on the part of the Fiscal Agent. 5. The Financing Documents have been duly executed and delivered by the Fiscal Agent, and assuming that the Financing Documents constitute legal, valid and binding obligations of the parties thereto other than the Fiscal Agent, the Financing Documents constitute legal, valid and binding obligations of the Fiscal Agent enforceable against the Fiscal Agent in accordance with their terms, except that the enforcement of the Financing Documents may be subject to bankruptcy, insolvency, reorganization, moratorium and other similar laws affecting creditors’ rights (and the rights of creditors of national banks specifically) heretofore or hereafter enacted to the extent constitutionally applicable and that such enforcement may also be subject to the exercise of judicial discretion in appropriate cases. 6. To the best knowledge of the undersigned, the Fiscal Agent’s per formance of its obligations under the Financing Documents will not result in any violation of any law, governmental rule, or regulation binding on the Fiscal Agent or any provision of the Articles of Association or Bylaws of the Bank. 2 [Vista Breeze] 4872-8710-7464.3 7. To the best knowledge of the undersigned, no governmental authorization or approval is required in connection with the execution, delivery and performance by the Fiscal Agent of its obligations under the Financing Documents. 8. To the best knowledge of the undersigned, there is no action, suit or proceeding pending or threatened against the Bank before any court, administrative agency or governmental body that will materially adversely affect the ability of the Bank, as Fiscal Agent, under the Financing Documents to perform its obligations thereunder. 9. The Resolution of the Fiscal Agent attached as Exhibit A hereto, authorizing certain individuals designated to execute, on behalf of the Fiscal Agent, various types of documents, including the Financing Documents, is in full force and effect as of the date hereof. 10. As Fiscal Agent, we have received the documents specified in the Funding Loan Agreement. [Remainder of page intentionally left blank] 11. The Financing Documents, together with the other documents executed by the Fiscal Agent in connection with the issuance of the Governmental Note, have been executed by the undersigned, as Fiscal Agent, by the following: Vans [atlas Stéphanie'A. Greene-Matthews, Vice President who, at the time of affixing his/her signature, was and still is an authorized officer of the undersigned as indicated by the title under his/her signature, and he/she was and is duly authorized to execute, attest and deliver said instruments and accept the trusts contained in the Financing Documents on behalf of the undersigned Fiscal Agent and the signature set forth above is his/her genuine signature. [Remainder of page intentionally left blank] [Vista Breeze] 4872-8710-7464.2 12. The Governmental Note was issued in fully registered form in an Authorized Denomination and was authenticated, pursuant to the Funding Loan Agreement, on behalf of the Fiscal Agent by a duly authorized officer to authenticate said Governmental Note on behalf of the undersigned Fiscal Agent. Dated as of the date above written. THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A. By: LL [rk Name: Shanna Cooke Title: Vice President 4 [Signature Page | General Certificate of Fiscal Agent] (Vista Breeze) 4872-8710-7464.2 EXHIBIT A Fiscal Agent Resolution 4872-8710-7464.3 4872-8710-7464.3 EXHIBIT A Fiscal Agent Resolution Extracts from By-Laws of The Bank of New York Mellon Trust Company, N.A. As Amended through January 18, 2018 ARTICLE V SIGNING AUTHORITIES Section 5.1 Real Property. Real property owned by the Association in its own right shall not be deeded, conveyed, mortgaged, assigned or transferred except when duly authorized by a resolution of the Board. The Board may from time-to-time authorize officers to deed, convey, mortgage, assign or transfer real property owned by the Association in its own right with such maximum values as the Board may fix in its authorizing resolution. Section 5.2. Senior Signing Powers. Subject to the exception provided in Section 5.1, the President and any Executive Vice President is authorized to accept, endorse, execute or sign any document, instrument or paper in the name of, or on behalf of, the Association in all transactions arising out of, or in connection with, the normal course of the Association's business or in any fiduciary, representative or agency capacity and, when required, to affix the seal of the Association thereto. In such instances as in the judgment of the President, or any Executive Vice President may be proper and desirable, any one of said officers may authorize in writing from time-to-time any other officer to have the powers set forth in this section applicable only to the performance or discharge of the duties of such officer within his or her particular division or function. Any officer of the Association authorized in or pursuant to Section 5.3 to have any of the powers set forth therein, other than the officer signing pursuant to this Section 5.2, is authorized to attest to the seal of the Association on any documents requiring such seal. Section 5.3. Limited Signing Powers. Subject to the exception provided in Section 5.1, in such instances as in the judgment of the President or any Executive Vice President, may be proper and desirable, any one of said officers may authorize in writing from time-to-time any other officer, employee or individual to have the limited signing powers or limited power to affix the seal of the Association to specified classes of documents set forth in a resolution of the Board applicable only to the performance or discharge of the duties of such officer, employee or individual within his or her division or function. Section 5.4. Powers of Attorney. All powers of attorney on behalf of the Association shall be executed by any officer of the Association jointly with the President, any Executive Vice President, or any Managing Director, provided that the execution by such Managing Director of said Power of Attorney shall be applicable only to the performance or discharge of the duties of said officer within his or her particular division or function. Any such power of attorney may, however, be executed by any officer or officers or person or persons who may be specifically authorized to execute the same by the Board of Directors. Section 5.5. Auditor. The Auditor or any officer designated by the Auditor is authorized to certify in the name of, or on behalf of the Association, in its own right or in a fiduciary or representative capacity, as to the accuracy and completeness of any account, schedule of assets, or other document, instrument or paper requiring such certification. SIGNING AUTHORITY RESOLUTION Pursuant to Article V, Section 5.3 of the By-Laws Adopted October 15, 2009 RESOLVED that, pursuant to Section 5.3 of the By-Laws of the Association, authority be, and hereby is, granted to the President or any Executive Vice President, in such instances as in the judgment of any one of said officers may be proper and desirable, to authorize in writing from time-to- time any other officer, employee or individual to have the limited signing authority set forth in any one or more of the following paragraphs applicable only to the performance or discharge of the duties of such officer, employee or individual within his or her division or function: (A) All signing authority set forth in paragraphs (B) through (I) below except Level C which must be specifically designated. (B1) Individuals authorized to accept, endorse, execute or sign any bill receivable; certification; contract, document or other instrument evidencing, embodying a commitment with respect to, or reflecting the terms or conditions of, a loan or an extension of credit by the Association; note; and document, instrument or paper of any type, including stock and bond powers, required for purchasing, selling, transferring, exchanging or otherwise disposing of or dealing in foreign currency, derivatives or any form of securities, including options and futures thereon; in each case in transactions arising out of, or in connection with, the normal course of the Association’s business. (B2) Individuals authorized to endorse, execute or sign any certification; disclosure notice required by law; document, instrument or paper of any type required for judicial, regulatory or administrative proceedings or filings; and legal opinions. (C1) Authority to accept, endorse, execute or sign or effect the issuance of any cashiers, certified or other official check; draft; order for payment of money; check certification; receipt; certificate of deposit; money transfer wire; and internal transfers resulting in a change of beneficial ownership; in each case, in excess of $500,000,000 with single authorization for all transactions. (C2) Authority to accept, endorse, execute or sign or effect the issuance of any cashiers, certified or other official check; draft; order for payment of money; check certification; receipt; certificate of deposit; money transfer wire; and internal transfers resulting in a change of beneficial ownership; in each case, in excess of $500,000,000*. (C3) Authority to accept, endorse, execute or sign or effect the issuance of any cashiers, certified or other official check; draft; order for payment of money; check certification; receipt; certificate of deposit; money transfer wire; and internal transfers resulting in a change of beneficial ownership; in each case, in an amount up to $500,000,000. (C4) Authority to accept, endorse, execute or sign or effect the issuance of any cashiers, certified or other official check; draft; order for payment of money; check certification; receipt; certificate of deposit; money transfer wire; and internal transfers resulting in a change of beneficial ownership; in each case, in an amount in excess of $100,000,000 but not to exceed $500,000,000*. (C5) Authority to accept, endorse, execute or sign or effect the issuance of any cashiers, certified or other official check; draft; order for payment of money; check certification; receipt; certificate of deposit; money transfer wire; and internal transfers resulting in a change of beneficial ownership; in each case, in an amount up to $100,000,000. (C6) Authority to accept, endorse, execute or sign or effect the issuance of any cashiers, certified or other official check; draft; order for payment of money; check certification; receipt; certificate of deposit; money transfer wire; and internal transfers resulting in a change of beneficial ownership; in each case, in an amount up to $10,000,000. (C7) Authority to accept, endorse, execute or sign or effect the issuance of any cashiers, certified or other official check; draft; order for payment of money; check certification; receipt; certificate of deposit; money transfer wire; and internal transfers resulting in a change of beneficial ownership; in each case, in an amount up to $5,000,000. (C8) Authority to accept, endorse, execute or sign or effect the issuance of any cashiers, certified or other official check; draft; order for payment of money; check certification; receipt; certificate of deposit; money transfer wire; and internal transfers resulting in a change of beneficial ownership; in each case, in an amount up to $1,000,000. (C9) Authority to accept, endorse, execute or sign or effect the issuance of any cashiers, certified or other official check; draft; order for payment of money; check certification; receipt; certificate of deposit; money transfer wire; and internal transfers resulting in a change of beneficial ownership; in each case, in an amount up to $250,000. (C10) Authority to accept, endorse, execute or sign or effect the issuance of any cashiers, certified or other official check; draft; order for payment of money; check certification; receipt; certificate of deposit; money transfer wire; and internal transfers resulting in a change of beneficial ownership; in each case, in an amount up to $50,000. (C11) Authority to accept, endorse, execute or sign or effect the issuance of any cashiers, certified or other official check; draft; order for payment of money; check certification; receipt; certificate of deposit; money transfer wire; and internal transfers resulting in a change of beneficial ownership; in each case, in an amount up to $5,000. *Dual authorization is required by any combination of senior officer and/or Sector Head approved designee for non-exempt transactions. Single authorization required for exempt transactions. (D1) Authority to accept, endorse, execute or sign any contract obligating the Association for the payment of money or the provision of services in an amount up to $1,000,000. (D2) Authority to accept, endorse, execute or sign any contract obligating the Association for the payment of money or the provision of services in an amount up to $250,000. (D3) Authority to accept, endorse, execute or sign any contract obligating the Association for the payment of money or the provision of services in an amount up to $50,000. (D4) Authority to accept, endorse, execute or sign any contract obligating the Association for the payment of money or the provision of services in an amount up to $5,000. (E) Authority to accept, endorse, execute or sign any guarantee of signature to assignments of stocks, bonds or other instruments; certification required for transfers and deliveries of stocks, bonds or other instruments; and document, instrument or paper of any type required in connection with any Individual Retirement Account or Keogh Plan or similar plan. (F) Authority to accept, endorse, execute or sign any certificate of authentication as bond, unit investment trust or debenture trustee and on behalf of the Association as registrar and transfer agent. (G) Authority to accept, endorse, execute or sign any bankers acceptance; letter of credit; and bill of lading. (H) Authority to accept, endorse, execute or sign any document, instrument or paper of any type required in connection with the ownership, management or transfer of real or personal property held by the Association in trust or in connection with any transaction with respect to which the Association is acting in any fiduciary, representative or agency capacity, including the acceptance of such fiduciary, representative or agency account. (I1) Authority to effect the external movement of free delivery of securities and internal transfers resulting in changes of beneficial ownership. (I2) Authority to effect the movement of securities versus payment at market or contract value. (J) Authority to either sign on behalf of the Association or to affix the seal of the Association to any of the following classes of documents: Trust Indentures, Escrow Agreements, Pooling and Servicing Agreements, Collateral Agency Agreements, Custody Agreements, Trustee’s Deeds, Executor’s Deeds, Personal Representative’s Deeds, Other Real Estate Deeds for property not owned by the Association in its own right, Corporate Resolutions, Mortgage Satisfactions, Mortgage Assignments, Trust Agreements, Loan Agreements, Trust and Estate Accountings, Probate Petitions, responsive pleadings in litigated matters and Petitions in Probate Court with respect to Accountings, Contracts for providing customers with Association products or services. (N) Individuals authorized to accept, endorse, execute or sign internal transactions only, (i.e., general ledger tickets); does not include the authority to authorize external money movements, internal money movements or internal free deliveries that result in changes of beneficial ownership. (P1) Authority to approve the payment of valid expenses as incurred to meet the obligations of the Association, excluding salary and other employee directed benefit payments; in each case, in excess of $10,000,000. (P2) Authority to approve the payment of valid expenses as incurred to meet the obligations of the Association, excluding salary and other employee directed benefit payments; in each case, in an amount up to $10,000,000. (P3) Authority to approve the payment of valid expenses as incurred to meet the obligations of the Association, excluding salary and other employee directed benefit payments; in each case, in an amount up to $5,000,000. (P4) Authority to approve the payment of valid expenses as incurred to meet the obligations of the Association, excluding salary and other employee directed benefit payments; in each case, in an amount up to $1,000,000. (P5) Authority to approve the payment of valid expenses as incurred to meet the obligations of the Association, excluding salary and other employee directed benefit payments; in each case, in an amount up to $250,000. (P6) Authority to approve the payment of valid expenses as incurred to meet the obligations of the Association, excluding salary and other employee directed benefit payments; in each case, in an amount up to $100,000. (P7) Authority to approve the payment of valid expenses as incurred to meet the obligations of the Association, excluding salary and other employee directed benefit payments; in each case, in an amount up to $50,000. (P8) Authority to approve the payment of valid expenses as incurred to meet the obligations of the Association, excluding salary and other employee directed benefit payments; in each case, in an amount up to $25,000. (P9) Authority to approve the payment of valid expenses as incurred to meet the obligations of the Association, excluding salary and other employee directed benefit payments; in each case, in an amount up to $10,000. (P10) Authority to approve the payment of valid expenses as incurred to meet the obligations of the Association, excluding salary and other employee directed benefit payments; in each case, in an amount up to $5,000. (P11) Authority to approve the payment of valid expenses as incurred to meet the obligations of the Association, excluding salary and other employee directed benefit payments; in each case, in an amount up to $3,000. RESOLVED, that any signing authority granted pursuant to this resolution may be rescinded by the President or any Executive Vice President and such signing authority shall terminate without the necessity of any further action when the person having such authority leaves the employ of the Association.