Loading...
HomeMy WebLinkAboutRDA RES 211RESOLUTION NO. 211 A RESOLUTION OF THE PALM DESERT REDEVELOPMENT AGENCY AUTHORIZING THE ISSUANCE AND PROVIDING FOR THE SALE OF ITS PROJECT AREA NO. 1, AS AMENDED (ADDED TERRITORY ONLY), TAX ALLOCATION BONDS OF THE AGENCY TO AID IN THE FINANCING OF A PORTION OF THE COST OF A REDEVELOPMENT PROJECT RECITALS: A. The Palm Desert Redevelopment Agency is a redevelopment agency, a public body, corporate and politic, duly created, established and authorized to transact business and exercise its powers, all under and pursuant to the Redevelopment Law, and the powers of the Agency include the power to issue bonds, notes, interim certificates, debentures or other obligations, for any of its corporate purposes. B. A Redevelopment Plan for the Project Area has been duly approved and adopted by the City by Ordinance No. 80. C. The Amendment to the Redevelopment Plan, adding territory to the Project Area, was approved and adopted by the City by Ordinance No. 275, and all requirements of law for and precedent to the adoption and approval of the Redevelopment Plan as amended have been duly complied with. D. Pursuant to Section 33334.2 of the Redevelopment Law, not less than 20 percent of all taxes which are allocated to the Agency pursuant to Section 33670 of the Redevelopment Law are to be used by the Agency for the purposes of increasing and improving the City's supply of housing available at affordable housing cost to persons and families of low or moderate income. Pursuant to Section 33334.3 of the Redevelopment Law, such taxes . are to be held in the Low and Moderate Income Housing Fund. Pursuant to Section 33334.2(e)(2) of the Redevelopment Law, such taxes may be used to improve land or building sites with onsite or offsite improvements. E. The staff of the Agency has caused to be prepared the Palma Village Area Survey which describes the housing located within such area and its availability at affordable housing cost to persons and families of low or moderate income. The Agency deems it necessary and desirable to deposit the net proceeds from the sale of the Bonds into the Low and Moderate Income Housing Improvement Account of the Redevelopment Fund of the Agency and expend such funds for the purposes described in Section 33334.2 of the Redevelopment Law to improve land with certain offsite improvements within the Palma Village Area, including streets, curbs, gutters, sidewalks, storm drains and sanitary sewer improvements. F. The Agency deems it necessary and desirable to authorize the issuance of $8,500,000 principal amount of Bonds of the Agency for its corporate purposes to aid in the financing of a redevelopment project. NOW, THEREFORE, THE PALM DESERT REDEVELOPMENT AGENCY HEREBY FINDS, DETERMINES, RESOLVES AND ORDERS AS FOLLOWS: Section 1. Definitions. As used in this Resolution the following terms shall have the following meanings, unless the context requires otherwise: -2- 871022 jlw A529.WLS (1) "Added Territory"" means the territory added to the Project Area pursuant to the Amendment, except that portion of such territory within the territorial limits of the City of Indian Wells. "Agency" means the Palm Desert Redevelopment Agency, a redevelopment agency, a public body corporate and politic, duly created, established and authorized to transact business and exercise its powers all under and pursuant to the Redevelopment Law, and any successor to its duties and functions. "Amendment" means the Amendment to the Redevelopment Plan approved and adopted by the City by its Ordinance No. 275. "Bond" or "Bonds" means the "Palm Desert Redevelopment Agency, Project Area No. 1, As Amended (Added Territory Only), Tax Allocation Bonds, Issue of 1987", in the aggregate principal amount of $8,500,000 authorized by this Resolution, and includes any bonds, notes, interim certificates, debentures, or other obligations issued by the Agency pursuant to this Resolution. "Bond Insurance" means the policy of municipal bond insurance, if any, issued with respect to the Bonds by the Bond Insurer. "Bond Insurer" means the bond insurer specified in a Supplemental Resolution. "Business Day" shall mean any day other than a Saturday, Sunday or any other day on which banking institutions in any of the states of New York, Washington or California are authorized or required not be open by law. -3- 871022 jlw A529.WLS (1) "City" means the City of Palm Desert, California. "Code" means the Internal Revenue Code of 1986, as amended. "Computation Year" means the twelve (12) month period commencing on the date of the initial authentication and delivery of the Bonds and each anniversary date thereafter. "Costs of Issuance" means the costs and expenses incurred in connection with the issuance and sale of the Bonds including the initial fee for the Letter of Credit, the acceptance and initial annual fees and expenses of the Fiscal Agent, legal fees and expenses, costs of printing the Bonds and preliminary and final Official Statement, fees of financial consultants and other fees and expenses set forth in a Certificate of the Executive Director. "Federal Securities" means bills, certificates of indebtedness, notes, bonds, or similar securities which are direct obligations of, or the principal and interest of which securities are secured by, the United States, whether issued in book entry form or otherwise. "Fiscal Agent" means the party appointed by the Agency pursuant to Section 20 hereof, its successors and assigns, and any other corporation or association which may at any time be substituted in its place, as provided in this Resolution. "Fiscal Year" means the fiscal year as established from time to time by the Agency, being on the date of this Resolution -4- 871022 jlw A529.WLS (1) the one year period beginning on July 1st and ending on the next following June 30th. "Gross Proceeds" means the sum of the following amounts: (i) original proceeds, being the amounts received by the Agency, or held by the Fiscal Agent as proceeds of the original issuance of the Bonds (after payment of all expenses of issuing the Bonds); (ii) investment proceeds, being amounts received at any time by the Agency or the Fiscal Agent, such as interest and dividends, resulting from the investment of proceeds of the Bonds, including profits and less losses received on such investment; (iii) amounts, other than original proceeds and investment proceeds, held in any fund or account and reasonably expected to be used to pay principal of or interest on the Bonds; (iv) securities or obligations pledged as security for the payment of the Bonds by an ultimate obligor (or a related person) or the Agency; (v) amounts used to pay principal or interest with respect to the Bonds; and (vi) amounts received as a result of investing the amounts listed in clauses (i) through (v). "Independent Financial Consultant" or "Independent Engineer" means any financial advisor, consultant or engineer or firm of such consultants or engineers appointed by the Agency, and who, or each of whom: 1. is in fact independent and not under domination of the Agency; and 2. does not have any substantial interest, direct or indirect, with the Agency; and -5- 871022 jlw A529.WLS (1) 3. is not connected with the Agency as an officer or employee of the Agency, but who may be regularly retained to make reports to the Agency. "Low and Moderate Income Housing Fund" means the fund by that name created pursuant to Section 12 of this Resolution. "Maximum Annual Debt Service" means the largest of the sums obtained for any Fiscal Year after totaling the following for each such Fiscal Year: 1. the principal amount of all Outstanding serial Bonds and serial Parity Bonds payable in such Fiscal Year; and 2. the amount of Minimum Sinking Fund Payments for all Outstanding term Bonds and term Parity Bonds to be made in such Fiscal Year in accordance with the applicable schedule or schedules of Minimum Sinking Fund Payments together with the premium thereon, if any be payable; and 3. the interest which would be due during such Fiscal Year on the aggregate principal amount of Bonds and Parity Bonds which would be Outstanding in such Fiscal Year if the Bonds and Parity Bonds outstanding on the date of such computation were to mature or be redeemed in accordance with the maturity schedule or schedules for the serial Bonds and serial Parity Bonds and the applicable schedule or schedules of Minimum Sinking Fund Payments for term Bonds and term Parity Bonds. At the time and for the purpose of making such computation, the amount of Bonds and Parity Bonds already retired in advance of the above mentioned -6- 871022 !lw A529.WLS (1) schedule or schedules shall be deducted pro rata from the remaining amounts thereon. "Minimum Sinking Fund Payments" means the amount of money to be deposited into the Term Bond Sinking Fund Account to be used to redeem term Bonds and term Parity Bonds at the principal amounts thereof, plus premium, if any, in the amounts and at the times set forth in the applicable schedule or schedules of Minimum Sinking Fund Payments contained in this Resolution or in any Supplemental Resolution or any resolution providing for the issuance of term Parity Bonds. "Outstanding," when used with reference to the Bonds, means, as of any particular date, the aggregate of all the Bonds authenticated and delivered under this Resolution, except: 1. Bonds canceled by the Agency or delivered to the Agency for cancellation at or prior to such date; 2. Bonds for the payment or redemption of which money in the necessary amount has been theretofore deposited with the Fiscal Agent or any Paying Agent for the holders of such Bonds, provided that if such Bonds are to be redeemed notice of such redemption has been duly given pursuant to this Resolution; 3. Bonds paid or deemed to be paid as provided in Section 3.B hereof; and 4. Bonds in lieu of or in substitution for which other Bonds shall have been authenticated and delivered pursuant to this Resolution. -7- 871022 jlw A529.WLS (1) "Parity Bonds" means any additional tax allocation bonds, including, without limitation, bonds, notes, interim certificates, debentures or other obligations, payable out of Tax Revenues ranking on a parity with the Bonds, issued by the Agency as permitted by Section 17 of this Resolution. "Palma Village Area" means the area within the City commonly known as Palma Village and more particularly described in that certain Palma Village Area Survey described in Section 13 hereof. "Paying Agent" means any paying agent provided by the Agency pursuant to this Resolution. "Permitted Investments" means: 1. Federal Securities; 2. Bonds, debentures or notes or other evidence of indebtedness payable in cash issued by any one or a combination of any of the following federal agencies whose obligations represent full faith and credit of the United States of America: Export Import Bank of the United States, Federal Financing Bank, Farmer's Home Administration, Federal Housing Administration, Maritime Administration, Public Housing Authority, Government National Mortgage Association; 3. Certificates of deposit properly secured at all times, by collateral security described in (1) and (2) above. Such agreements are only acceptable with commercial -8- 871022 jlw A529.WLS (1) banks, savings and loans associations and mutual savings banks; 4. The following investments fully insured by the Federal Deposit Insurance Corporation or the Federal Savings and Loan Insurance Corporation: (i) certificates of deposit, (ii) savings accounts, (iii) deposit accounts, or (iv) depository receipts of banks, savings and loan associations and mutual savings banks; 5. Commercial paper rated in one of the two highest rating categories by at least two nationally recognized rating agencies or commercial paper backed by a letter of credit or line of credit rated in one of the two highest rating categories; 6. Written repurchase agreements with any bank, savings institution or trust company (not the Fiscal Agent) which is insured by the Federal Deposit Insurance Corporation or the Federal Savings and Loan Insurance Corporation, or with any broker -dealer with retail customers which falls under Securities Investors Protection Corporation protection, provided that such repurchase agreements are fully secured by (1) above or obligations of any Corporation of instrumentality of the United States of America, and provided further that (i) such collateral is held by the Fiscal Agent or any agent acting solely for the Fiscal Agent during the term of such repurchase agreement, (ii) such collateral is not subject to loans or claims of -9- 871022 jlw A529.WLS (1) third parties, (iii) such collateral has a market value (determined at least once every 14 days) at least equal to the amount invested in the repurchase agreement, (iv) the Fiscal Agent has a perfected first security interest in the collateral, (v) the agreement shall be for a term not longer than 270 days and (vi) the failure to maintain such collateral at the level required in (iii) above will require the Fiscal Agent to liquidate the collateral; 7. Money market funds rated AAA by Standard & Poor's, or taxable government money market portfolios, restricted to obligations with maturities of one year or less, issued by or guaranteed as to payment of principal and interest by, the United States of America; and 8. The State of California, Local Agency Investment Fund but only to the extent that such moneys remain to the name and credit of the Fiscal Agent. "Project Area" means only the territory within the project area described and defined in the Redevelopment Plan approved and adopted by the City by its Ordinance No. 80. "Project Area, As Amended" means the Project Area together with the Added Territory added to the Project Area pursuant to Ordinance No. 275 of the City, except that portion of the Added Territory within the territorial limits of the City of Indian Wells. "Registered Owner" or any similar term, including, without limitation, "Bondholder" or "Holder of Bonds," means the -10- 871022 jlw A529.WLS (1) . registered owner or the duly authorized attorney, trustee, representative or assigns of any outstanding Bond of such owner. "Redevelopment Law" means the Community Redevelopment Law, California Health and Safety Code Section 33000, et seq., and all future acts supplemental thereto or amendatory thereof. "Redevelopment Plan" means the Redevelopment Plan for Project Area No. 1, approved and adopted by the City by its Ordinance No. 80 and includes any amendment of the Redevelopment Plan heretofore or hereafter made pursuant to law, except insofar as any such amendment pertains only to the Added Territory. "Series" means all of the Bonds delivered on original issuance in a simultaneous transaction pursuant to this Resolution and any Bonds, notes or other obligations thereafter delivered in lieu of or in substitution therefor pursuant hereto. "Supplemental Resolution" means a resolution supplemental to or amendatory of this Resolution. "Tax Revenues" means 20 percent of that portion of the taxes levied upon taxable property in the Added Territory and received by the Agency, which are allocated to and paid into a special fund of the Agency pursuant to Article 6 of Chapter 6 of the Redevelopment Law and Section 16 of Article XVI of the California Constitution, and which are in turn placed into the Low and Moderate Income Housing fund of the Agency, all as more particularly set forth in Sections 33334.2 and 33334.3 of the Redevelopment Law and in this Resolution. "State" means the State of California. -11- 871022 jlw A529.WLS (1) "Treasurer" or "Treasurer of the Agency" means the officer who is then performing the functions of Treasurer of the Agency. Section 2. Amount. Issuance and Purpose of Bonds. Under and pursuant to the Redevelopment Law and under and pur- suant to this Resolution, Bonds of the Agency in the aggregate principal amount of $8,500,000 are authorized to be issued by the Agency for the corporate purposes of the Agency to aid in the financing of a redevelopment project, and for other purposes related thereto as hereinafter provided, and such issue of Bonds is hereby created. It is hereby determined and declared that the issuance of the Bonds is necessary for the purposes herein stated. Such redevelopment project includes the installation and construction of certain offsite improvements in the Palma Village Area, including streets, curbs, gutters, sidewalks, storm drains, and sanitary sewer improvements. Whenever the Agency determines to issue all or part of the Bonds, it shall adopt a Supplemental Resolution specifying the principal amount of such Bonds to be issued and providing for: (i) the distinctive designation there- of; (ii) the date which the Bonds shall bear; (iii) the method of numbering the Bonds; (iv) the maturity dates of the Bonds; (v) the date or dates on which all or part of the Bonds may be called for redemption prior to maturity and the premiums, if any, applicable thereto; and (vi) any other provision respecting the Bonds not in conflict with the terms of this Resolution. -12- 871022 jlw A529.WLS (1) Section 3. Nature of Bonds. A. Security. The Tax Revenues are hereby allocated and irrevocably pledged to the payment of the principal of and interest on the Bonds and all Parity Bonds as in this Resolution provided, and until all of the Bonds and Parity Bonds, and all interest thereon, have been paid, or until moneys for that purpose have been irrevocably set aside as provided in Section 3.B or Section 11.E hereof, the Tax Revenues shall be applied solely to the payment of the Bonds and the Parity Bonds and the interest thereon as in this Resolution provided. Such allocation and pledge are for the exclusive benefit of the Registered Owners of the Bonds and the Parity Bonds and shall be irrevocable. The Bonds shall be and are special obligations of the Agency and are hereby secured by an irrevocable pledge of, and are payable as to principal, premium, if any, and interest from Tax Revenues and other funds as hereinafter provided. The Bonds, premiums, if any, and interest thereon are not a debt of the City, the State or any of its political subdivisions and neither the City, the State nor any of its political subdivisions is liable on the Bonds, nor in any event shall the Bonds, premium, if any, and interest thereon be payable out of any funds or properties other than those of the Agency as set forth in this Resolution. The Bonds do not constitute an indebtedness within the meaning of any constitutional or statutory debt limitation or restriction. Neither the members of the Agency nor any persons -13- 871022 jlw A529.WLS (1) executing the Bonds are liable personally thereon by reason of their issuance. The Bonds shall be and are equally secured by an irrevocable pledge of Tax Revenues and other funds as hereinafter provided, without priority for number, date of sale, date of execution, or date of delivery, except as expressly provided herein. The validity of the Bonds is not and shall not be dependent upon the completion of the redevelopment of the Project Area or upon the performance by any person of an obligation of that person relative to such redevelopment. B. Defeasance. Nothing in this Resolution shall preclude: (i) the payment of the Bonds from the proceeds of refunding bonds issued pursuant to law, or (ii) the payment of the Bonds from any legally available funds. Nothing in this Resolution shall prevent the Agency from making advances of its own funds howsoever derived to any of the uses and purposes mentioned in this Resolution. If the Agency shall pay or cause to be paid, or shall have made provision to pay upon maturity or upon redemption prior to maturity to the Registered Owners of the Bonds, or the principal and interest to become due thereon, together with any applicable premium, through setting aside in trust funds or setting apart in a reserve fund or special trust account created pursuant to this Resolution or otherwise, or through the irrevocable segregation for that purpose in some sinking fund or other fund or trust account with a responsible -14- 871022 jlw A529.WLS (1) bank or trust company, moneys sufficient therefor or Federal Securities, the principal of and interest on which when due will be sufficient therefor, then, as to the Bonds, the lien of this Resolution, including, without limitation, the pledge of the Tax Revenues and the other funds pledged hereunder, and all other rights granted hereby, shall thereupon cease, terminate and become void and be discharged and satisfied, and the Bonds and interest thereon and any applicable premium on such Bonds shall no longer be deemed to be Outstanding and unpaid; provided, however, that nothing in this Resolution shall require the deposit of more than such Federal Securities as may be sufficient, taking into account both the principal amount of such Federal Securities and the interest to become due thereon, to implement any refunding of the Bonds. In such event, the Fiscal Agent shall cause an accounting for such period or periods as shall be requested by the Agency to be prepared and filed with the Agency, and the Fiscal Agent, upon the request of the Agency, shall release this Resolution as to the Bonds, and execute and deliver to the Agency all such instruments as may be desirable to evidence such release, discharge and satisfaction, and the Fiscal Agent shall pay over or deliver to the Agency all moneys or securities held by it pursuant to this Resolution as to the Bonds, which are not required for the payment or redemption thereof, not theretofore surrendered for such payment or redemption. -15- 871022 jlw A529.WLS (1) In case any of the Bonds are to be redeemed on any date prior to their maturity, the Agency shall give to the Fiscal Agent, in form satisfactory to it, irrevocable instructions to provide notice of redemption as provided in Section 11 of this Resolution. In the event the Bonds are not by their terms subject to redemption within the next succeeding 60 days the Agency shall give the Fiscal Agent in form satisfactory to it irrevocable instructions to provide notice, as soon as practicable, to the Registered Owners of such Bonds that the deposit required in this Section 3.B has been made and that the Bonds are deemed to have been paid in accordance with this Section and stating the maturity or redemption date upon which moneys are to be available for the payment of the principal and interest to become due on the Bonds, together with any applicable premium thereon. Neither the obligations nor moneys deposited pursuant to this Section or principal or interest payments on any such obligations nor moneys deposited pursuant to this Section nor principal or interest payments on any such obligations shall be withdrawn or used for any purpose other than, and shall be held in trust for the payment of the principal and interest to become due on the Bonds, together with any applicable premium thereon; provided that any cash received from such principal or interest payments on such obligations, if not then needed for such purpose, shall, to the extent practicable, be reinvested in Federal Securities maturing at times and in amount sufficient to pay when due the principal and interest to become due on such -16- 871022 jlw A529.WLS (1) Bonds, together with any applicable premium thereon on and prior to such redemption date or maturity date thereof, as the case may be. Section 4. Description of Bonds; Disposition of Proceeds. The Bonds shall be designated "Palm Desert Redevelopment Agency, Project Area No. 1, As Amended (Added Territory Only), Tax Allocation Bonds," in the aggregate principal amount of $8,500,000. The Bonds shall be issued in the form of Fully Registered Bonds, in denominations of $5,000 each or any integral multiple thereof. The Bonds shall be dated as set forth in a Supplemental Resolution. The designation of the Bonds may contain such further descriptive terms as may be approved by the Executive Director of the Agency and the signature of the Executive Director appearing on the Bonds shall be conclusive evidence of such approval. The Fiscal Agent, on behalf of and as agent for the Agency, shall receive the proceeds from the sale of the Bonds upon the delivery of the Bonds to the original purchasers thereof and shall dispose of such proceeds as follows: A. Accrued interest and premium, if any, paid by the original purchasers of the Bonds shall be placed in the Bond Interest Payment Account. B. A sum equal to the lesser of (i) ten percent of the proceeds of the Bonds or (ii) Maximum Annual Debt Service shall be deposited into the Reserve Account. -17- 871022 jlw A529.WLS (1) C. After making the above transfers, the balance of the proceeds from the sale of the Bonds shall be transferred to the Low and Moderate Income Housing Improvement Account of the Redevelopment Fund; provided, however, that prior to making such transfer, the Fiscal Agent shall transfer to the Costs of Issuance Account of the Redevelopment Fund an amount specified in a Certificate of the Executive Director and pay the amounts specified therein to the designated payees. Section 5. Interest and Maturities. The Bonds shall bear interest at a rate or rates to be hereafter fixed by a Supplemental Resolution, but not to exceed the then maximum legal rate per annum, payable semiannually as provided in a Supple- mental Resolution. Each Bond shall bear interest until the principal sum thereof has been paid; provided, however, that if on any redemption date, funds are available for the payment thereof in full accordance with the terms of this Resolution, such Bonds as shall have been called for redemption and for which notice of such redemption shall have been given shall then cease to bear interest. The Bonds shall be numbered by the Fiscal Agent as the Fiscal Agent shall determine and shall be dated as of the date of authentication thereof, except that Bonds issued upon exchanges and transfers of Bonds shall be dated so that no gain or loss of interest shall result from such exchange or transfer. Each Bond shall bear interest from the interest payment date next preceding the authentication date thereof unless (i) such authentication -18- 871022 jlw A529.WLS (1) date shall be an interest payment date, in which case it shall bear interest from such interest payment date; (ii) such authentication date shall be prior to the fifteenth day preceding the first interest payment date, in which case it shall bear interest from the date of the Bonds, or (iii) such authentication date is between the fifteenth day of the month preceding an interest payment date and such interest payment date, in which case it shall bear interest from such interest payment date. Interest on the Bonds shall be paid by the Fiscal Agent, out of the appropriate funds, by check or draft mailed by first class mail to the Registered Owner at such Owner's address as it appears on the register kept by the Fiscal Agent at the close of business on the fifteenth day of the month preceding the interest payment date. Interest shall be calculated on the basis of a 360-day year with twelve 30-day months. The principal amount of Bonds issued from time to time and the schedule of maturity or maturities thereof shall be specified in a Supplemental Resolution. Section 6. Place of Payment. The Bonds, the interest thereon and any premiums upon the redemption thereof prior to maturity, shall be payable in lawful money of the United States of America upon surrender, except for interest which is payable by check or draft as stated above, and shall be payable at the corporate trust office of the Fiscal Agent in Los Angeles, California. -19- 871022 jlw A529.WLS (1) Section 7. Forms of Bonds. Temnorary Bonds. The Bonds shall be substantially in the form attached hereto and made a part hereof, marked "Exhibit A" ("Fully Registered Bond"). Such form is hereby approved and adopted as the form of the Bonds, and of the redemption, exchange, registration and assignment provisions pertaining thereto, with necessary or appropriate variations, omissions and insertions, as permitted or required by this Resolution or any Supplemental Resolution. Any Bonds issued under this Resolution may be initially issued in temporary form exchangeable for definitive Bonds when the same are ready for delivery. The temporary Bonds may be printed, lithographed or typewritten, shall be of such denominations as may be determined by the Agency and may contain such reference to any of the provisions of this Resolution as may be appropriate. Every temporary Bond shall be executed by the Agency and be authenticated and delivered by the Fiscal Agent upon the same conditions and in substantially the same manner as the definitive Bonds. If the Agency issues temporary Bonds, it shall execute and furnish definitive Bonds without delay, and, thereupon, the temporary Bonds may be surrendered for cancellation at the Fiscal Agent for the Agency in Los Angeles, California, and the Fiscal Agent shall deliver in exchange for such temporary Bond an equal aggregate principal amount of definitive Bonds of authorized denominations of the same issue. Until so exchanged, the temporary Bonds shall be entitled to the -20- 871022 jlw A529.WLS (1) same benefits under this Resolution as definitive Bonds of the same issue delivered hereunder. Section 8. Execution of Bonds. The Bonds shall be signed on behalf of the Agency by facsimile or manual signature of its Chairman and by facsimile or manual signature of the Executive Director or one other member or officer of the Agency, and the seal of the Agency shall be impressed, imprinted or reproduced thereon. The Chairman, the Executive Director and the foregoing members and officers are hereby authorized and directed to sign the Bonds in accordance with this Section. If any Agency member or officer whose manual or facsimile signature appears on the Bonds ceases to be such member or officer before delivery of the Bonds, such signature is as effective as if such member or officer had remained in office, and the Bonds shall be as binding upon the Agency as though the person who signed the Bonds had been such member or officer on the date borne by the Bonds. The Bonds shall be authenticated by the Fiscal Agent by manual signature. Section 9. Form of Bonds, Registration and Exchanae. The Bonds are issued as Fully Registered Bonds payable to the Registered Owner, negotiable only by proper transfer of registration. A Fully Registered Bond or Fully Registered Bonds may be exchanged for a Fully Registered Bond or Fully Registered Bonds. Transfer of ownership of a Fully Registered Bond or Fully Registered Bonds shall be made by exchanging the same for a new -21- 871022 jlw A529.WLS (1) Fully Registered Bond or Fully Registered Bonds. All of such exchanges shall be made in such manner and upon such reasonable terms and conditions as may from time to time be determined and prescribed by the Agency; provided, however, no such transfer or exchange shall be made between 15 days preceding any date established by the Fiscal Agent for the selection of Bonds for redemption and the date of such selection. Such exchanges may be subject to costs or charges to the person, firm or corporation requesting such exchange, and for any tax or governmental charge that may be imposed in connection with such exchange. Each Fully Registered Bond issued pursuant to this Resolution shall be of a denomination which is $5,000 or a whole multiple thereof. Section 10. Bond Reaster. The Fiscal Agent shall keep or cause to be kept at its corporate trust office in Los Angeles, California, sufficient books for the registration and transfer of the Bonds, which shall at all reasonable times be open to inspection by the Agency; and upon presentation for such purpose, the Fiscal Agent shall, under such reasonable regulations as it may prescribe, register or transfer, or cause to be registered or transferred, on such register, the Bonds as provided above. Section 11. Redemption of Bonds Prior to Maturity. A. Call for Redemption. The Agency may provide for the optional and mandatory call and redemption of Bonds prior to maturity in a Supplemental Resolution. The Agency may, and, if required by any provision of this Resolution or Supplemental -22- 871022 jtw A529.WLS (1) Resolution, shall, direct the call and redemption prior to maturity of Bonds, which are by their terms then callable for redemption, by the Fiscal Agent in such amounts for which funds are available and shall give notice to the Fiscal Agent of such redemption at least 60 days prior to the redemption date. B. Notice of Redemption. Notice of redemption prior to maturity, except as provided below, shall be given by mailing such notice by first-class mail not less than 30 nor more than 60 days before such redemption date, to each Registered Owner of such Bond. The notice of redemption shall (i) state the redemption date; (ii) state the redemption price; (iii) state the numbers and dates of maturity of the Bonds to be redeemed; provided, however, that whenever any call for redemption includes all of the Outstanding Bonds, the numbers of the Bonds need not be stated; (iv) state, as to any Fully Registered Bonds redeemed in part only, the registered Bond numbers and the principal portion thereof to be redeemed; and (v) state that interest on the principal portion of the Bonds so designated for redemption shall cease to accrue from and after such redemption date and that on such date there will become due and payable on each of the Bonds the principal amount thereof to be redeemed, interest accrued thereon to the redemption date and the premium thereon, if any, such premium to be specified. The actual receipt by the Registered Owner of notice of such redemption shall not be a condition precedent to redemption, and failure to receive such notice shall not affect the validity -23- 871022 jlw A529.WLS (1) of the proceedings for the redemption of such Bonds or the cessation of interest on the redemption date. Notice of redemption of Bonds shall be given by the Fiscal Agent for and on behalf of the Agency at the expense of the Agency. A certificate by the Fiscal Agent that notice of redemption has been given as herein provided shall be conclusive as against all parties, and no Registered Owner whose Bond is called for redemption may object thereto or object to the cessation of interest on the redemption date fixed by any claim or showing that such Registered Owner failed actually to receive such notice of call and redemption. C. Redemption Fund. Prior to the publication as above required: (i) the Fiscal Agent shall establish, maintain and hold in trust a separate fund which is hereby created for the purpose of this Resolution entitled "Project Area No. 1, As Amended (Added Territory Only), Tax Allocation Bonds, Redemption Fund" (the "Redemption Fund"); and (ii) there shall be set aside in the Redemption Fund, transferred from the appropriate Account or Accounts in the Special Fund or from other legally available funds of the Agency, moneys for the purpose and sufficient to redeem, at the premiums, if any, payable as provided in this Resolution or a Supplemental Resolution, the Bonds designated in such notice of redemption. This provision shall not apply, however, to a redemption made (i) as part of a plan of defeasance in accordance with Section 3.B hereof; and (ii) pursuant to mandatory sinking fund account redemption. Such moneys must be -24- 871022 jlw A529.WLS (1) set aside in the Redemption Fund solely for that purpose and shall be applied on or after the redemption date to the payment of principal and premium, if any, of the Bonds to be redeemed upon presentation and surrender of such Bonds. Any interest due on or prior to the redemption date upon the Bonds shall be paid from the Special Fund upon presentation and surrender thereof. D. Partial Redemption of Fully Reaistered Bonds. Upon surrender of any Fully Registered Bond redeemed in part only, the Agency shall execute and the Fiscal Agent shall authenticate and deliver to the Registered Owner thereof, at the expense of the Agency, a new Bond or Bonds of authorized denominations equal in aggregate principal amount to the unredeemed portion of the Fully Registered Bond surrendered and of the same interest rate or rates and same maturity or maturities. E. Effect of Redemption. Notice of redemption having been duly given as aforesaid, and moneys for payment of the principal of, premiums, if any, and interest payable upon redemption of the Bonds having been set aside in the Redemption Fund, the Bonds, or parts thereof, as the case may be, called for redemption shall, on the redemption date, become due and payable at the redemption price specified in such notice, interest on the Bonds, or parts thereof, as the case may be, so called for redemption shall cease to accrue, and the Bonds, or parts thereof, as the case may be, shall cease to be entitled to any lien, benefit or security under this Resolution, and the -25- 871022 jlw A529.WLS (1) Registered Owners shall have no rights in respect thereof except to receive payment of the redemption price thereof, and, in the case of partial redemption of Fully Registered Bonds, also to receive a new Bond or Bonds for the unredeemed balance as aforesaid. All Bonds, or parts thereof, as the case may be, redeemed pursuant to the provisions of this Section shall be canceled upon surrender thereof and destroyed with a certificate of destruction sent to, or upon the order of, the Agency. So long as any of the Bonds or Parity Bonds herein authorized, or any interest thereon, remain unpaid, the moneys in the Redemption Fund shall be used for no purpose other than those required or permitted by this Resolution, any Supplemental Resolution, any resolution providing for the issuance of Parity Bonds and the Redevelopment Law. F. Purchase of Bonds. The Fiscal Agent, on behalf of and at the specific written direction of the Agency, is hereby authorized to purchase Bonds on the open market at any time at a price not to exceed the principal amount of the Bonds plus the applicable premium and accrued interest, if any, to the date of purchase plus brokerage fees, if any. Section 12. Funds. There is hereby continued by this Resolution with the Treasurer a special trust fund called the "Project Area No. 1, As Amended (Added Territory Only), Redevelopment Fund" (the "Redevelopment Fund"). There is hereby created by this Resolution with the Treasurer a special trust -26- 871022 j l w A529.WLS (1) account to be held by the Fiscal Agent known as the Costs of Issuance Account. There is hereby created by this Resolution with the Treasurer a special trust account in the Redevelopment Fund known as the "Low and Moderate Income Housing Improvement Account." There is hereby created by this Resolution with the Treasurer a special trust fund to be held by the Fiscal Agent called the "Redevelopment Project No. 1, Low and Moderate Income Housing Fund" (the "Low and Moderate Income Housing Fund") and there is hereby created in the Low and Moderate Income Housing Fund the following trust accounts: (i) the Bond Interest Payment Account, (ii) the Serial Bond Payment Account, (iii) the Term Bond Sinking Fund Account, and (iv) the Reserve Account. So long as any of the Bonds or Parity Bonds herein authorized, or any interest thereon, remain unpaid, the moneys in the foregoing Funds and Accounts shall be used for no purpose other than those required or permitted by this Resolution, any Supplemental Resolution, any resolution providing for the issuance of Parity Bonds and the Redevelopment Law. Section 13. Sale of Bonds, Disposition of Bond Proceeds; Redevelopment Fund; Findinas and Determination. The moneys transferred to and placed in the Low and Moderate Income Housing Improvement Account of the Redevelopment Fund shall remain therein until from time to time expended solely for the purpose of financing a portion of the cost of certain public -27- 871022 jlw A529.WtS (1) improvements and other costs related thereto, and also including, without limitation, in such costs: A. The cost of any lawful purpose in connection with such redevelopment, namely, those purposes authorized by Section 33334.2(e) of the Redevelopment Law to pay for certain offsite improvements in the Palma Village Area of the City; and B. Any costs and expenses in connection with the issuance and sale of the Bonds, and fees of the Fiscal Agent and Paying Agents, if any. If any sum remains in the Redevelopment Fund after the full accomplishment of the objects and purposes for which the Bonds were issued, such sum shall be transferred to the Low and Moderate Income Housing Fund. The staff of the Agency has prepared that certain Palma Village Area Survey, a copy of which has been presented to the Agency and which is on file in the office of the Executive Director and the Secretary of the Agency, which describes the housing in the Palma Village Area and its availability at affordable housing costs to persons and families of low or moderate income. Based upon the Palma Village Area Survey and based upon other information and materials presented to the Agency, the Agency hereby finds and determines that the installation and construction of certain offsite improvements in the Palma Village Area, including streets, curbs, gutters, sidewalks, storm drains and sanitary sewer improvements, will benefit the Project Area, As Amended, and will be in furtherance -28- 871022 jlw A529.48 (1) of and will carry out the purposes of Sections 33334.2 and 33334.3 of the Redevelopment Law in that such installation and construction will improve the City's supply of low and moderate income housing available at affordable housing costs by improving land and building sites with offsite improvements. Section 14. Tax Revenues. The Tax Revenues are hereby allocated and irrevocably pledged to the payment of the principal of and interest on the Bonds and all Parity Bonds as in this Resolution provided, and until all of the Bonds and Parity Bonds, and all interest thereon, have been paid, or until moneys for that purpose have been irrevocably set aside as provided in Section 3.B or Section 11.E hereof, the Tax Revenues shall be applied solely to the payment of the Bonds and the Parity Bonds and the interest thereon as in this Resolution provided. Such allocation and pledge is for the exclusive benefit of the Registered Owners of the Bonds and the Parity Bonds and shall be irrevocable. Tax Revenues allocated to the Agency shall not be payable to the Fiscal Agent on account of any Bonds when sufficient funds have been placed with the Fiscal Agent to redeem all outstanding Bonds. Section 15. Low and Moderate Income Housing Fund. All Tax Revenues shall be deposited in the Low and Moderate Income Housing Fund. Without limiting the generality of the foregoing and for the purpose of assuring that the payments referred to above will be made as scheduled, the Tax Revenues accumulated in the Low and Moderate Income Housing Fund shall be used in the -29- 871022 jtw A529.t&S (1) following priority; provided, however, that to the extent that deposits have been made in any of the Accounts referred to below from the proceeds of the sale of the Bonds or otherwise, the deposits below need not be made: A. Bond Interest Payment Account. Deposits shall be made into the Bond Interest Payment Account so that the balance in such Account 30 days prior to the date of the payment of any installment of interest on the Bonds and the Parity Bonds shall be equal to six months interest on the then outstanding Bonds and Parity Bonds. Moneys in the Bond Interest Payment Account shall be used for the payment of interest on the Bonds and the Parity Bonds as the same become due. B. Serial Bond Payment Account. After the deposits have been made pursuant to subparagraph A above, deposits shall next be made into the Serial Bond Payment Account so that the balance in such Account 30 days prior to the date of payment of principal is due shall equal the next principal payment, or payments, as the case may be, on the then outstanding serial Bond and serial Parity Bonds. Moneys in the Serial Bond Payment Account shall be used for the payment of the principal of such serial Bonds and serial Parity Bonds, as the same become due. C. Term Bond Sinking Fund Account. Commencing on a date 13 months prior to the first date set forth on the schedule of Minimum Sinking Fund Payments set forth in a Supplemental Resolution, after the deposits have been made pursuant to subparagraphs A and B above, if the Tax Revenues are sufficient -30- 871022 ill,. A529.WLS (1) therefor, deposits shall next be made into the Term Bond Sinking Fund Account so that the balance in such Account 30 days prior to the date the money in such account is scheduled to be used shall equal the then current Minimum Sinking Fund Payment on the then outstanding term Bonds and term Parity Bonds. Moneys in the Term Bond Sinking Fund Account shall be used and applied by the Fiscal Agent to call and redeem the amount of Outstanding term Bonds and term Parity Bonds to be called pursuant to the applicable schedule, with the moneys available therefor. Any such call and redemption shall be made in accordance with the provisions of Section 11 hereof and according to the schedule or schedules provided in the a resolution relating to the Parity Bonds or in a Supplemental Resolution. In lieu or partially in lieu of such call and redemption, moneys in the Term Bond Sinking Fund Account may be used to purchase Outstanding term Bonds and term Parity Bonds in the manner hereinafter provided. Purchases of Outstanding term Bonds and term Parity Bonds shall be made at the specific written direction of the Agency by the Fiscal Agent at public or private sale but only at prices, including brokerage, or other expenses, not more than the principal amount thereof plus accrued interest plus the premium applicable at the next following call date according to the schedule or schedules applicable thereto, and any accrued interest payable upon the purchase of term Bonds and term Parity Bonds may be paid from the amount reserved in the Bond Interest Payment Account for the payment of interest on the next following interest payment date. -31- 871022 jlw A529.WLS (1) At the direction of the Agency, the Fiscal Agent shall cancel the purchased Bonds and apply such cancelled Bonds to the Sinking Fund Payments. D. Reserve Account. After the deposits have been made pursuant to subparagraphs A, B and C above, if the Tax Revenues are sufficient therefor, deposits shall next be made into the Reserve Account so that the balance in such Account shall equal not less than the lesser of ten percent of the proceeds of the Bonds or Maximum Annual Debt Service on all Bonds and Parity Bonds, or such other amount as may be specified by a Supplemental Resolution, and the balance in such Account shall be so maintained to equal the lesser of ten percent of the proceeds of the Bonds or Maximum Annual Debt Service on all Bonds and Parity Bonds, or such other amount. Moneys in the Reserve Account shall be used solely for the purpose of paying the interest and principal of the Bonds and Parity Bonds and making Minimum Sinking Fund Payments on term Bonds or term Parity Bonds in the event that the moneys in the Bond Interest Payment Account or Serial Bond Payment Account or Term Bond Sinking Fund Account are insufficient therefor and for that purpose the Fiscal Agent shall withdraw and transfer moneys from the Reserve Account to the appropriate Account. Moneys in the Reserve Account may be used to pay the interest and principal of the last outstanding maturity of the Bonds and Parity Bonds so that the issue of Bonds and Parity Bonds will be retired. -32- 871022 jlw A529.WLS (1) E. Jo Default: Surplus. It is the intent of this Resolution: (i) that the deposits in subparagraphs A and B above to the Bond Interest Payment Account and the Serial Bond Payment Account, respectively, shall be made as scheduled, and (ii) that the deposits in subparagraphs C and D above, to the Term Bond Sinking Fund Account and the Reserve Account respectively, shall be made as scheduled, if and only if the Tax Revenues are sufficient therefor. Failure to make the required deposits into the Term Bond Sinking Fund Account, as specified in subparagraph C above, and into the Reserve Account, as specified in subparagraph D above, shall not be an event of default, if, and only if, the Tax Revenues are insufficient therefor. Should it be necessary to defer all or part of any deposit referred to in subparagraphs C and D above, such deferred deposits shall be cumulative and shall be made when the Tax Revenues are sufficient to make the deposits required by subparagraphs A and B and thereafter make the deposits required by subparagraphs C and D. If: (i) the above transfers have been made so that the required amounts as of that time are in all of the above mentioned Accounts, and (ii) the Tax Revenues to be received for the next Fiscal Year by the Agency, based upon the most recent assessed valuation of taxable property in the Project Area, furnished by the appropriate officer of the County of Riverside, are at least equal to 110 percent of Maximum Annual Debt Service on all Parity Bonds and any loans, advances or indebtedness payable from Tax Revenues or from other sources as provided in Section 3.A hereof -33- 871022 jlw A529.WLS (1) on a parity with the Bonds, then the balances in the Special Fund may be used and applied by the Agency for any lawful purpose, including without limitation the purchase or call and redemption of the Bonds and Parity Bonds as set forth in subparagraph C above. The Fiscal Agent shall pay such balance to the Agency within five business days of written request for such amount from an authorized representative of the Agency and a receipt of a certificate referred to above signed by an Independent Financial Consultant. In the event the Agency cannot meet the test above set forth, any deficiency can be supplied by setting aside in the Reserve Account amounts being held in the other Accounts of the Low and Moderate Income Housing Fund and the remaining surplus balances in the Special Fund may then be used and applied by the Agency for any lawful purpose as stated above. Section 16. Deposit and Investment of Moneys in Funds. Subject to the provisions of Covenant 9 of Section 18 hereof, all moneys held by the Agency in the Redevelopment Fund and by the Fiscal Agent in the Special Fund, except such moneys which are at the time invested, shall be held in time or demand deposits in any financial institution authorized to accept deposits of public funds, including the banking department of the Fiscal Agent, and shall be secured at all times by bonds or other obligations which are authorized by law as security for public deposits and are of a market value at least equal to the amount required by law. -34- 871022 J lw A529.WLS (1) Moneys in the Low and Moderate Income Housing Improvement Account of the Redevelopment Fund may be from time to time invested by the Agency, and moneys in the Low and Moderate Income Housing Fund may, and, upon written request of the Agency shall, be invested by the Fiscal Agent as provided by the Redevelopment Law, subject to the following restrictions: A. Moneys in the Low and Moderate Income Housing Improvement Account of the Redevelopment Fund shall be invested only in Permitted Investments obligations which will by their terms mature not later than the date the Agency estimates the moneys represented by the particular investment will be needed for withdrawal from such Fund. B. Moneys in the Bond Interest Payment Account, the Serial Bond Payment Account, and the Term Bond Sinking Fund Account shall be invested only in Permitted Investments which will by their terms mature on such dates as to insure that before each interest payment date there will be in such Accounts, from matured obligations and other moneys already in such Accounts, cash equal to the interest and principal payable on such date. C. Moneys in the Reserve Account shall be invested only in Permitted Investments which will by their terms mature in not more than two years, but in no event in obligations which mature after the final maturity date of the Bonds. D. Moneys in the Redemption Fund shall be invested only in Permitted Investments which will by their terms mature not later than the earlier of (i) two years, or (ii) the date the -35- 871022 jlw A529.14LS (1) Agency or Fiscal Agent estimates the moneys represented by the particular investment will be needed for withdrawal from such Fund. E. Moneys in the Rebate Fund shall be invested in Federal Securities which will by their terms mature not later than the earlier of (i) two years, or (ii) the date the Fiscal Agent expects receipt of instructions to pay such amounts to the United States government. The moneys held by the Fiscal Agent shall be invested in Permitted Investments. The value of Permitted Investments shall be determined as provided in "Value" below. "Value", as of any particular time of determination, means that the value of any investments shall be calculated as follows: (1) as to investments the bid and asked prices of which are published on a regular basis in The Wall Street Journal or The New York Times: the average bid and asked prices for such investments so published on or most recently prior to such time of determination; (2) as to investments the bid and asked prices of which are not published on a regular basis in The Wall Street Journal or The New York Times: the average bid price at such time of determination for such investments by any two nationally recognized government securities dealers (selected by the Fiscal -36- 871022 jlw A529.WLS (1) Agent in its absolute discretion) at the time making a market in such investments; (3) as to certificates of deposit and bankers acceptances: the face amount thereof, plus accrued interest; and (4) as to any investment not specified above: the value thereof established by prior agreement between the Agency and the Fiscal Agent. If more than one provision of this definition of "value" shall apply at any time to any particular investment, the value thereof at such time shall be determined in accordance with the provision establishing the lowest value for such investment. Obligations purchased as an investment of moneys in any of such Funds or the Accounts therein shall be deemed at all times to be a part of such Fund or Account and the interest accruing thereon and any gain realized from such investment shall be credited to such Fund or Account and any loss resulting from any such authorized investment shall be charged to such Fund or Account without liability to the Agency or the members and officers thereof or to the Fiscal Agent. The Agency or the Fiscal Agent, as the case may be, shall sell at the best price obtainable or present for redemption any obligation so purchased whenever it shall be necessary to do so in order to provide moneys to meet any payment or transfer from such Fund or Account as required by this Resolution. For the purpose of determining at any given time the balance in any such Fund or Account, any such investment constituting a part of such Fund or Account shall -37- 871022 jlw A529.45 (1) be valued at the then estimated or appraised market value or redemption value of such investment, whichever is less. Whenever reference is made to sums or moneys in a particular fund or account, or words of similar import are used, such reference shall include, without limitation, investments in such fund or account. Section 17. Issuance of Parity Bonds. The Agency may provide for the issuance of, and sell, Parity Bonds in such additional principal amounts as it estimates will be needed for the purposes of Section 33334.2 of the Redevelopment Law. The issuance and sale of any Parity Bonds shall be subject to the following conditions precedent: A. The Agency shall be in compliance with all covenants set forth in this Resolution. B. Tax Revenues, excluding State subventions, received or to be received by the Agency, commencing on the date of issuance of such Parity Bonds, based upon the most recent equalized roll of taxable property in the Added Territory, shall be at least equal to 110 percent of the Maximum Annual Debt Service on the Bonds, Parity Bonds and any loans, advances or indebtedness payable from Tax Revenues on a parity with the Bonds pursuant to Section 33670 of the Redevelopment Law, which will be outstanding following the issuance of such Parity Bonds. C. The resolution providing for such Parity Bonds shall require that from the proceeds of the sale thereof or from other legally available funds there shall be deposited in the -38- 871022 jlw A529.WLS (1) Reserve Account in the Special Fund an amount such that the balance in such Account shall equal the lesser of ten percent of the proceeds of the Parity Bonds or Maximum Annual Debt Service. D. The Parity Bonds shall be serial Bonds or term Bonds, or both, and the interest thereon shall be payable semi- annually on the same dates as interest on the Bonds is payable. Section 18. Covenants of the Aaencv. As long as the Bonds are outstanding and unpaid, the Agency shall, through its proper members, officers, agents or employees, faithfully perform and abide by all of the covenants, undertakings and provisions contained in this Resolution or in any Bond issued hereunder, including the following Covenants and agreements for the benefit of the Registered Owners which are necessary, convenient and desirable to secure the Bonds and will tend to make the Bonds more marketable; provided, however, that such Covenants do not require the Agency to expend any funds other than the Tax Revenues: Covenant 1. Complete Redevelopment Project; Amendment to Redevelopment Plan. The Agency covenants and agrees that it will diligently carry out and continue to completion, with all practicable dispatch, the redevelopment of the Project Area, in accordance with its duty to do so under and in accordance with the Redevelopment Law and the Redevelopment Plan and in a sound and economical manner. The Redevelopment Plan may be amended as provided in the Redevelopment Law, but no amendment shall be made unless accompanied by a certificate or opinion of -39- 871022 jiw A529.WLS (1) . an Independent Financial Consultant employed by the Agency to the effect that such amendment would not so impair the security of the Bonds or the rights of the Registered Owners. Covenant 2. Use of Proceeds; Management and Operation of Properties. The Agency covenants and agrees that the proceeds of the sale of the Bonds be deposited and used as provided in this Resolution and that it will cause all properties owned by it and comprising any part of the Added Territory, to be managed and operated in a sound and businesslike manner. Not more than 10 percent, if any, of the proceeds of the Bonds shall be used for any private business use, within the meaning of that term under Section 141(b)(1) of the Code, and not more than five percent, if any, if the private business use is unrelated to the governmental use of the proceeds. Not more than five percent, if any, of the proceeds of the issue shall be used (directly or indirectly) to make or finance loans (other than loans described in Section 141(c)(2) of the Code) to persons other than governmental units. Covenant 3. No Priority. The Agency covenants and agrees that it will not issue any obligations payable, principal or interest, from the Tax Revenues which have, or purport to have, any lien upon the Tax Revenues prior or superior to the lien of the Bonds herein authorized. Except as permitted in Section 17 hereof, the Agency will not issue any obligations payable, principal or interest from the Tax Revenues, which have, or purport to have, any lien upon the Tax Revenues on a parity -40- 871022 jlw A529.WLS (1) with the Bonds herein authorized; provided, however, that nothing in this Resolution shall prevent the Agency (i) from issuing and selling pursuant to law refunding bonds or other refunding obligations payable from and having any lawful lien upon the Tax Revenues, if such refunding bonds or other refunding obligations are issued for the purpose of, and are sufficient for the purpose of, refunding all of the Outstanding Bonds authorized by this Resolution, or (ii) from issuing and selling or assuming the liability for or purport to junior to the selling bonds payment of, bonds or other obligations which have, have, Bonds any lien upon the Tax Revenues which is herein authorized, or (iii) from or other obligations which are payable issuing and from sources other than the Tax Revenues. Covenant 4. Punctual Payment. The Agency covenants and agrees that it will duly and punctually pay or cause to be paid the principal of and interest on each of the Bonds issued hereunder on the date, in the manner provided in the Bonds, and all as provided herein. Covenant 5. Payment of Taxes and Other Charges. The Agency covenants and agrees that it will from time to time pay and discharge, or cause to be paid and discharged, all payments in lieu of taxes, service charges, assessments or other governmental charges which may lawfully be imposed upon the Agency or any of the properties then owned by it in the Project Area, or upon the revenues and income therefrom, and will pay all lawful claims for labor, material and supplies which if unpaid -41- 871022 itw A529.WLS (1) might become a lien or charge upon any of such properties, revenues or income or which might impair the security of the Bonds or the use of Tax Revenues or other legally available funds to pay the principal and interest thereon, all to the end that the priority and security of the Bonds shall be preserved; provided that nothing in this Covenant shall require the Agency to make any such payment so long as the Agency in good faith shall contest the validity thereof. Covenant 6. Books and Accounts; Financial Statements. The Agency covenants and agrees that it shall at all times keep, or cause to be kept, proper and current books and accounts, separate from all other records and accounts, in which complete and accurate entries shall be made of all transactions relating to the redevelopment of the Project Area, and the Tax Revenues and other funds relating to such redevelopment, and will prepare within 180 days after the close of each of its Fiscal Years a complete financial statement or statements for such year in reasonable detail covering such redevelopment, the Tax Revenues and other funds, certified by a certified public accountant or firm of certified public accountants selected by the Agency, and will furnish a copy of such statement or statements to any Registered Owner upon written request. Covenant 7. Further Redevelopment Covenants. The proceeds of the Bonds shall be used only for a "redevelopment activity" or for costs associated with financing a "redevelopment activity" as that term is defined in Section 33678 of the -42- 871022 jlw A529.WLS (1) Redevelopment Law and only for carrying out the purposes described in Section 33334.2 of the Redevelopment Law. Covenant 8. Disposition of Property. The Agency covenants and agrees that it shall not dispose of more than ten percent of the land area in the Added Territory, except property shown in the Redevelopment Plan in effect on the date this Resolution is adopted as planned for public use, or property to be used for public streets, public off street parking, sewage facilities, parking easements or rights of way for public utilities, flood control facilities, storm drainage facilities, or other similar uses, to public bodies or other persons or entities whose property is tax exempt, unless accompanied by a certificate or opinion of an Independent Financial Consultant employed by the Agency to the effect that such disposition would not substantially impair the security of the Bonds or the rights of the Registered Owners. Covenant 9. Protection of Security and Riahts of Registered Owners; No Arbitraae; Further Tax Covenants. The Agency covenants and agrees to preserve and protect the security of the Bonds and the rights of the Registered Owners and defend their rights under all claims and demands of all persons. The Agency covenants and agrees to contest by court action or otherwise any assertion by the United States of America or any department or agency thereof that the interest received by the Registered Owners is taxable under federal income tax laws in effect on the date of issuance. The Agency covenants and agrees -43- 871022 j t w A529.WL S (1) to take no action which, in the opinion of counsel, would result in the interest received by the Registered Owners becoming taxable under federal income tax laws. Any opinion of such counsel may be based upon, insofar as it relates to factual matters, information which is in the possession of the Agency as shown by a certificate or opinion of, or representation by, an officer or officers of the Agency, unless such counsel knows, or in the exercise of reasonable care should have known, that the certificate or opinion or representation with respect to the matters upon which such opinion may be based, as aforesaid, is erroneous. As used herein, "opinion of counsel" means a written opinion of an attorney or firm of attorneys of favorable reputation in the field of municipal bond law. The Agency hereby further covenants and agrees that it shall take no action and shall permit no action to be taken which would cause the Bonds to be federally guaranteed within the meaning of that term under Section 149(b) of the Code. The Agency hereby further covenants and agrees that it shall take no action and shall permit no action to be taken which would cause the Bonds to be arbitrage bonds within the meaning of that term under Section 148 of the Code. The Agency hereby further covenants and agrees that it shall comply with the rebate provisions of Section 148(f) of the Code, as more particularly described in Section 26 hereof. Covenant 10. Statement of Indebtedness. The Agency covenants and agrees to cause to be filed on a timely -44- 871022 jlw A529.WLS (1) basis any and all statements of indebtedness pursuant to Section 33675 of the Redevelopment Law. Covenant 11. Further Tax Covenants. The Agency covenants and agrees to contest by court action or otherwise any assertion by the United States of America or any department or agency thereof that the interest received by the Registered Owners of the Bonds is includable in gross income of the recipient under federal income tax laws on the date of issuance of the Bonds. In order to preserve the exclusion from gross income of interest on the Bonds, and for no other reason, the Agency covenants to comply with all applicable requirements of the Code, together with any amendments thereto or regulations promulgated thereunder, as well as any applicable existing regulations, necessary to preserve such exclusion from gross income and specifically covenants, without limiting the generality of the foregoing, that: A. It will make no use of the proceeds of the Bonds at any time during the term thereof which, if such use had been reasonably expected at the date the Bonds are issued, would have caused such Bonds to be "arbitrage bonds" within the meaning of Section 148 or "private activity bonds" within the meaning of Section 141 of the Code and the regulations; B. Not more than ten percent, if any, of the "proceeds" of the Bonds shall be used for any private business use, within the meaning of that term under Section 141(b)(1) of the Code, and not more than five percent, if any, of the private -45- 871022 jlw A529.WLS (1) business use, if any, is "unrelated" or "disproportionate" to the governmental use of the proceeds (for purposes of Section 141 of the Code). Not more than five percent, if any, of the "proceeds" of the issue shall be used (directly or indirectly) to make or finance loans (other than loans described in Section 141(c)(2) of the Code) to persons other than governmental units. C. It will ensure that the payment of principal of and interest on the Bonds shall not be directly or indirectly guaranteed (in whole or in part) by the United States (or any agency or instrumentality thereof) and no portion of the moneys contained in any of the Funds or Accounts created herein shall be (i) used in making loans guaranteed by the United States (or any agency or instrumentality thereof); (ii) invested directly or indirectly in deposits or accounts insured by the Federal Deposit Insurance Corporation, Federal Savings and Loan Insurance Corporation, National Credit Union Administration or any other similar federally chartered corporation; (iii) otherwise invested directly or indirectly in obligations guaranteed (in whole or in part) by the United States (or any agency or instrumentality thereof); except (1) during the initial period following issuance of the Bonds and ending on the final expenditure of the Bond proceeds; and (2) for amounts held in the Reserve Account, or other reserve funds satisfying Section 148(d) of the Code; (3) for amounts held in the Special Fund and other bona fide debt service funds; (4) for investments in obligations issued by the United States Treasury; (5) for investments in obligations guar- -46- 871022 jlw A529.WLS (1) anteed by the Federal National Mortgage Association, Government National Mortgage Association or Federal Home Loan Mortgage Corporation, or (6) for investments permitted under regulations issued pursuant to Section 149(b)(3)(B) of the Code; D. (i) it shall keep a detailed accounting of all transactions contemplated under this Resolution or in any way relating to the receipt or disbursement of any of the Gross Proceeds of the Bonds (whether received, held or paid by the Agency, the Fiscal Agent or any other person) for a period of six years after the later of the date of payment of all Excess Investment Earnings to the United States or the date the Agency disburses the last of the Gross Proceeds of the Bonds; (ii) except for the investment of moneys in tax-exempt bonds or Gross Proceeds invested during an applicable temporary period permitted under the Treasury Regulations or amounts invested in a reasonably required reserve or replacement fund (subject to the limitations of Section 148(d) of the Code), it will not allow Gross Proceeds of the Bonds to be invested at any time in Investment Property with a yield in excess of the yield on the Bonds (determined in accordance with Section 148(h) of the Code) plus one -eighth of one percent; (iii) it will neither invest Gross Proceeds nor cause Gross Proceeds to be invested in Investment Property if the yield on such Investment Property would be less than the yield that would have resulted in an arm's-length transaction; and (iv) it will not sell or otherwise dispose of or cause to be sold or otherwise disposed of -47- 871022 jlw A529.NLS (1) Investment Property, if such sale or disposition would result in a smaller profit or larger loss than would have resulted from a sale at fair market value arrived at in an arm's-length transaction; E. Notwithstanding the foregoing provisions regarding restrictions on investment of Gross Proceeds, Gross Proceeds in an amount not exceeding the lesser of five percent of Bond proceeds or $100,000 may be invested at a yield in excess of the yield on the Bonds plus one -eighth of one percent; and F. It is the purpose of this Covenant 11 and Section 25 hereof to preserve the exclusion of the interest paid on the Bonds from gross income for the purposes of the Federal income tax laws and the Agency will not take any action or omit to take any action which, if taken or omitted, would adversely affect such exclusion of interest on the Bonds from gross income for Federal income tax purposes. Anything to the contrary notwithstanding, if at any time the Agency determines that a different manner or method of compliance is (i) required to preserve the exclusion of interest on the Bonds from gross income for Federal income tax purposes or (ii) permitted, without impairing the exclusion of interest on the Bonds from gross income for Federal income tax purposes, the Agency may utilize such different manner or method at its election; provided, however, that (i) the Agency has obtained an opinion of nationally recognized bond counsel, addressed to the Agency, as to the preservation of the exclusion of interest on the Bonds -48- 871022 jlu A529.WLS (1) from gross income for Federal income tax purposes under the different manner or method and (ii) the Agency has caused this Resolution to be amended to reflect such different manner or method in accordance with Section 23 hereof. Section 19. Taxation of Leased Property. Whenever any property in the Project Area has been redeveloped and thereafter is leased by the Agency to any person or persons, other than a public agency, or whenever the Agency leases real property in the Project Area to any person or persons, other than a public agency, for redevelopment, the property shall be assessed and taxed in the same manner as privately owned property, as required by Section 33673 of the Redevelopment Law, and the lease or contract shall provide (i) that the lessee shall pay taxes upon the assessed value of the entire property and not merely upon the assessed value of the lessee's leasehold interest, and (ii) that if for any reason the taxes levied on such property in any year during the term of the lease or contract are less than the taxes which would have been levied if the entire property had been assessed and taxed in the same manner as privately owned property, the lessee shall pay such difference to the Agency within thirty days after the taxes for such year become payable to the taxing agencies and in no event later than the delinquency date of such taxes established by law. All such payments shall be treated as Tax Revenues and when received by the Agency shall be deposited in the Special Fund. -49- 871022 j l w A529.WLS (1) Section 20. Fiscal Agent and Paving Aaents. The Agency hereby appoints Security Pacific National Bank as Fiscal Agent to act as the agent and depositary of the Agency for the purpose of receiving Tax Revenues and other funds in trust as provided in this Resolution, to hold, allocate, use and apply such Tax Revenues and other funds in trust as provided in this Resolution, and to perform such other duties and powers of the Fiscal Agent as are prescribed in this Resolution. The Agency may remove the Fiscal Agent initially appointed or any successor thereto, and in such case shall forthwith appoint a successor thereto; but any successor shall be a bank or trust company doing business and having an office in Los Angeles, California, having a combined capital and surplus of at least $75,000,000. The Fiscal Agent herein appointed or any substituted Fiscal Agent may at any time resign as such by writing filed with the Agency, in which event the Agency shall forthwith appoint a substitute Fiscal Agent and the resignation shall become effective upon such appointment. In the event that the Fiscal Agent or any successor becomes incapable of acting as such, the Agency shall forthwith appoint a substitute Fiscal Agent. Any bank or trust company into which the Fiscal Agent may be merged or with which it may be consolidated shall become the Fiscal Agent without action of the Agency. The Fiscal Agent may become the owner of any of the Bonds authorized by this Resolution with the same rights it would have had if it were not a Fiscal Agent. -50- 871022 jlw A529.u1S (1) The Fiscal Agent shall have no duty or obligation whatsoever to enforce the collection of or to exercise diligence in the enforcement of the collection of funds assigned to it hereunder or as to the correctness of any amounts received, but its liability shall be limited to the proper accounting for such funds as it shall actually receive. The recitals of fact and all promises, covenants and agreements herein and in the Bonds shall be taken as statements, promises, covenants and agreements of the Agency and the Fiscal Agent assumes no responsibility for the correctness of the same and makes no representations as to the validity or sufficiency of this Resolution or of the Bonds, and shall incur no responsi- bility in respect thereof, other than in connection with the duties or obligations herein or the Bonds assigned to or imposed upon the Fiscal Agent. The Fiscal Agent shall not be liable in connection with the performance of its duties hereunder except for its own negligence or default. The Agency may provide for paying agents. The Agency agrees to indemnify the Fiscal Agent and hold it harmless against any loss, liability or expense arising out of or in connection with the performance of its duties, as Fiscal Agent, including without limitation legal and other fees and expenses except that the Fiscal Agent shall not be indemnified against any such loss, liability or expense arising out of its gross negligence or willful misconduct. The Fiscal Agent shall be under no obligation to institute or defend any -51- 871022 jlw A529.WLS (1) action, suit or legal proceeding in connection herewith, unless first indemnified and held harmless to its satisfaction in accordance with the foregoing. The Fiscal Agent may consult with counsel, who may be counsel to the Agency, with regard to legal questions, and the opinion of such counsel shall be full and complete authorization and protection in respect of any action taken or suffered by the Fiscal Agent in good faith and in accordance therewith. The Fiscal Agent shall undertake to perform such duties as are specifically set forth herein and no implied duties or obligations shall be read into this Resolution against the Fiscal Agent. The Agency shall pay to the Fiscal Agent compensation for all services performed by it hereunder in accordance with a fiscal agency agreement. The Agency shall also pay to the Fiscal Agent such reasonable expenses, charges and other disbursements and those of its attorneys, agents and employees incurred in and about the administration and the performance of its duties hereunder, and which are specifically preauthorized in writing by the Agency. Section 21. Lost, Stolen, Destroyed or Mutilated Bonds or Couoons. In the event that any Bond is lost, stolen, destroyed or mutilated, the Agency shall cause to be issued a new Bond similar to the original to replace the same in such manner and upon such reasonable terms and conditions, including the payment of costs and the posting of a surety bond if the Agency -52- 871022 jlw A529.WLs (1) deems such surety bond necessary, as may from time to time be determined and prescribed by resolution. The Agency may authorize such new Bond to be signed and authenticated in such manner as it determines in such resolution. Section 22. Cancellation of Bonds. All Bonds surrendered to the Fiscal Agent for the payment shall upon payment therefor be canceled immediately. Any cancelled Bonds held by the Fiscal Agent shall be destroyed and certification of their destruction delivered to the Agency. Any Bonds purchased by the Fiscal Agent as aforesaid shall be canceled immediately. Section 23. Amendments. This Resolution, and the rights and obligations of the Agency and of the holders of the Bonds issued hereunder, may be modified or amended at any time by resolution supplementing this Resolution adopted by the Agency: (i) without the consent of Registered Owners, if such modification or amendment is for the purpose of curing any ambiguities, defects or inconsistent provisions in this Resolution or to insert such provisions clarifying matters or questions arising under this Resolution as are necessary and desirable to accomplish the same, provided that such modifica- tions or amendments do not adversely affect the rights of the Registered Owners and such modifications or amendments are accompanied by an opinion to that effect of counsel employed by the Agency, or (ii) except as provided below, any other modification or amendment with the consent of Registered Owners holding at least 60 percent in aggregate principal amount of the -53- 871022 jlw A529.WLS (1) outstanding Bonds, exclusive of Bonds, if any, owned by the Agency or the City, and obtained as hereinafter set forth; provided, however, that no such modification or amendment shall, without the express consent of the Registered Owner affected, reduce the principal amount of any Bond, reduce the interest rate payable thereon, extend its maturity or the times for paying interest thereon, or the terms or conditions for the redemption thereof from the Term Bond Sinking Fund Account, change the monetary medium in which principal and interest is payable, or reduced the percentage of consent required for amendment or modification. Any act done pursuant to a modification or amendment pursuant to this Section 23 shall be binding upon the Registered Owners of all of the Bonds and shall not be deemed an infringe- ment of any of the provisions of this Resolution or of the Redevelopment Law, whatever the character of such act may be, and may be done and performed as fully and freely as if expressly permitted by the terms of this Resolution; and after such consent relating to such specified matters has been given, no Registered Owner shall have any right or interest to object to such action or in any manner to question the propriety thereof or to enjoin or restrain the Agency or any officer thereof from taking any action pursuant thereto. A. Calling Bondholders' Meeting. If the Agency shall desire to obtain any such consent it shall duly adopt a -54- 871022 jlw A529.WLS (1) resolution calling a meeting of Registered Owners for the purpose of considering the action, the consent for which is desired. B. Notice of Meeting. Notice specifying the purpose, place, date and hour of such meeting shall be mailed by the Agency, postage prepaid, to the respective Registered Owners of the Bonds at their addresses appearing on the register in the hands of the Fiscal Agent. The place, date and hour of holding such meeting and the date of mailing such notice shall be determined by the Agency in its discretion. The actual receipt by any Registered Owner of notice of any such meeting shall not be a condition precedent to the holding of such meeting, and failure to receive such notice shall not affect the validity of the proceedings thereat. A certificate by the Secretary of the Agency, approved by resolution of the Agency, that the meeting has been called and that notice thereof has been given as herein provided shall be conclusive as against all parties and it shall not be open to any Registered Owner to show that such Registered Owner failed to receive actual notice of such meeting. C. Voting Qualifications. The Registered Owners may, prior to any such meeting, deliver their Bond or Bonds to the Fiscal Agent and shall thereupon be entitled to receive an appropriate receipt for the Bond so deposited, calling for the redelivery of such Bond at any time after the meeting. The Fiscal Agent shall prepare and deliver to the chairman of the meeting a list of the names and addresses of the Registered -55- 871022 jlw A529.WLS (1) Owners, with a statement of the maturities and numbers of the Bonds held and de.posited by each of such Registered Owners, and no Registered Owners shall be entitled to vote at such meeting unless their names appear upon such list or unless they shall present their Bonds at the meeting or a certificate of deposit thereof, satisfactory to the Agency, executed by a bank or trust company. No Registered Owners shall be permitted to vote with respect to a larger aggregate principal amount of Bonds than is set against their names on such list, unless they shall produce the Bonds upon which they desire to vote or a certificate of deposit thereof as above provided. D. Issuer -Owner Bonds. The Agency covenants that it shall present at the meeting a certificate, signed and verified by one member thereof and by the Treasurer of the Agency, stating the maturities and serial number of all Bonds owned by, or held for account of, the Agency or the City, directly or indirectly. No persons shall be permitted at the meeting to vote or consent with respect to any Bond appearing upon such certificate, or any Bond which it shall be established at or prior to the meeting is owned by the Agency or the City, directly or indirectly, and no such Bond (in this Resolution referred to as "issuer -owned Bond") shall be counted in determining whether a quorum is present at the meeting. E. Ouorum and Procedure. A representation of at least 60 percent in aggregate principal amount of the Bonds then outstanding, exclusive of issuer -owned Bonds, if any, shall be -56- 871022 jlw A529.WLS (1) necessary to constitute a quorum at any meeting of Registered Owners, but a majority of those present may adjourn the meeting from time to time, and the meeting may be held as so adjourned without further notice, whether such adjournment shall have been had by a quorum or by less than a quorum. The Agency shall, by an instrument in writing, appoint a temporary chairman of the meeting, and the meeting shall be organized by the election of a permanent chairman and secretary. At any meeting each Registered Owner shall be entitled to one vote for every $5,000 principal amount of Bonds with respect to which such Registered Owner shall be entitled to vote as aforesaid, and such vote may be given in person or by proxy duly appointed by an instrument in writing presented at the meeting. The Agency, by its duly authorized representative, may attend any meeting of the Registered Owners, but shall not be required to do so. F. Vote Required. At any such meeting held as aforesaid there shall be submitted for the consideration and action of the Registered Owners a statement of the proposed action, consent to which is desired, and if such action shall be consented to and approved by Registered Owners holding at least 60 percent in aggregate principal amount of the Bonds then outstanding, exclusive of issuer -owned Bonds, the chairman and secretary of the meeting shall so certify in writing to the Agency, and such certificate shall constitute complete evidence of consent of Registered Owners under the provisions of this Resolution. A certificate signed and verified by the chairman -57- 871022 jlw A529.WLS (1) and the secretary of any such meeting shall be conclusive evidence and the only competent evidence of matters stated in such certificate relating to proceedings taken at such meeting. Section 24. Proceedings Constitute Contract. The provisions of this Resolution, of any Supplemental Resolution, of the resolutions providing for the sale of the Bonds and awarding the Bonds and fixing the interest rate thereon, and of any other resolution supplementing or amending this Resolution, shall constitute a contract between the Agency and the Registered Owners and the provisions thereof shall be enforceable by any Registered Owner for the equal benefit and protection of all Registered Owners similarly situated by mandamus, accounting, mandatory injunction or any other suit, action or proceeding at law or in equity that is now or may hereafter be authorized under the laws of the State in any court of competent jurisdiction. This contract is made under and is to be construed in accordance with the laws of the State. No remedy conferred hereby upon any Registered Owner is intended to be exclusive of any other remedy, but each remedy is cumulative and in addition to every other remedy and may be exercised without exhausting and without regard to any other remedy conferred by the Redevelopment Law or any other law of the State. No waiver of any default or breach of duty or contract by any Registered Owner shall affect any subsequent default or breach of duty or contract or shall impair any rights or remedies on such subsequent default or breach. No delay or omission of -58- 871022 jlw A529.WLS (1) any Registered Owner to exercise any right or power accruing upon any default shall impair any such right or power or shall be construed as a waiver of any such default or acquiescence therein. Every substantive right and every remedy conferred upon the Registered Owners may be enforced and exercised as often as may be deemed expedient. In case any suit, action or proceeding to enforce any right or exercise any remedy shall be brought or taken, and should such suit, action or proceeding be abandoned or be determined adversely to the Registered Owners, then, and in every such case, the Agency and the Registered Owners shall be restored to their former positions, rights and remedies as if such suit, action or proceeding had not been brought or taken, and should such suit, action or proceeding be abandoned or be determined adversely to the Registered Owners, then, and in every such case, the Agency and the Registered Owners shall be restored to their former positions, rights and remedies as if such suit, action or proceeding had not been brought or taken. After the issuance and delivery of the Bonds, this Resolution, any Supplemental Resolution and any other supplementary resolutions thereto shall be irrepealable, but shall be subject to modification or amendment to the extent and in the manner provided in this Resolution, but to no greater extent and in no other manner. CUSIP identification numbers may be imprinted on the Bonds, but such numbers shall not constitute a part of the contract evidenced by the Bonds and no liability shall hereafter -59- 871022 jlw A529.WLS (1) attach to the Agency or any of the officer or agents thereof because of or on account of such numbers. Any error or omission with respect to such numbers shall not constitute cause for refusal by the successful bidder to accept delivery of and pay for the Bonds. Section 25. Rebate Fund. A. The Agency shall calculate Excess Investment Earnings in accordance with paragraph B and shall instruct the Fiscal Agent to pay Excess Investment Earnings to the United States government in accordance with paragraph C. The term "Excess Investment Earnings" means an amount equal to the sum of: 1. the excess of (a) the aggregate amount earned from the delivery date of the Bonds on all Investment Property in which Gross Proceeds of the Bonds are invested (other than amounts attributable to an excess described in this subparagraph 1), over (b) the amount that would have been earned if the yield on such Investment Property (other than amounts attributable to an excess described in this subparagraph 1) had been equal to the yield on the Bonds, plus 2. any income attributable to the excess described in paragraph 1. -60- 871022 jlw A529.WLS (1) • B. At or prior to the last day of the first Computa- tion Year, the Agency shall calculate the Excess Investment Earnings referenced in subparagraph 1 of paragraph A, above, as of the last day of such Computation Year and shall deposit the same from the Redevelopment Fund or any other lawfully available moneys of the Agency or direct the Fiscal Agent to transfer the same from the Special Fund into the Rebate Fund. On each June 1st during which the Bonds are outstanding, the Fiscal Agent shall mail a notice to the Agency setting forth the Agency's obligation to submit a calculation of Excess Investment Earnings for the current Computation Year. Thereafter, prior to the last day of each Computation Year and on the date of the retirement of the the Bonds, the Agency shall cause to be prepared and filed with Fiscal Agent a calculation of the amount of Earnings referenced in subparagraphs 1 and 2 of the last day of such Computation Year and again Excess Investment paragraph A as of make such deposit and direct the Fiscal Agent to make corresponding transfers into the Rebate Fund. The calculations shall be made by a nationally recognized bond counsel or an Independent Certified Public Accountant or other expert retained by the Agency in accordance with the following: 1. Except as provided in subparagraph 2, below, in determining the amount described in subparagraphs 1(a) and 2 of paragraph A, above, the aggregate amount earned on Investment Property shall include (i) all income realized under federal income tax accounting principles (whether or -61- 871022 jlw A529.618 (1) not the person earning such income is subject to federal income tax) with respect to such Investment Property and with respect to the reinvestment of investment receipts from such Investment Property (without regard to the transaction costs incurred in acquiring, carrying, selling or redeeming such Investment Property), including, but not limited to, gain or loss realized on the disposition of such Investment Property (without regard to when such gains are taken into account under Section 453 of the Code relating to the taxable year of inclusion of gross income), and income under Section 1272 of the Code (relating to original issue discount) and (ii) any unrealized gain or loss as of the date of retirement of the Bonds if any Investment Property is retained after such date. 2. In determining the amount described in subparagraph 1 of paragraph A, an obligation or security shall be treated as acquired for its fair market value at the time it becomes an Investment Property, so that gain or loss on the disposition of such an obligation or security shall be computed with reference to such fair market value as its adjusted basis. 3. In determining the amount described in subparagraph 1(b) of paragraph A, above, the yield on the Bonds shall be determined based on the actual yield of the Bonds through maturity (with adjustments for discount or -62- 871022 jlw A529.WLS (1) premium) calculated in accordance with Section 148(h) of the Code. 4. In determining the amount described in subparagraph 2 of paragraph A, all income attributable to the excess described in subparagraph 1 of paragraph A must be taken into account, whether or not that income exceeds the yield with respect to the Bonds, and no amount may be treated as "negative arbitrage." C. Upon direction of the Agency, the Fiscal Agent shall pay Excess Investment Earnings to the United States of America in installments with the first payment to be made not later than 30 days after the end of the fifth Computation Year and with subsequent payments to be made not later than five 5 years after the preceding payment was due. The Agency shall assure that each installment is in an amount equal to at least 90 percent of the Excess Investment Earnings with respect to the Bonds as of the close of the immediately preceding Computation Period. Upon the direction of the Agency, which direction shall be given before 60 days after the retirement of the Bonds, the Fiscal Agent shall pay from the Rebate Fund, or the Agency shall pay directly, 100 percent of the theretofore unpaid Excess Investment Earnings of the Bonds. The Fiscal Agent or the Agency shall remit such payments to the United States of America at the address and in the manner directed by the Agency prescribed pursuant to the Code as the same may be in time to time in effect, together with such reports and statements prepared by -63- 871022 jlw A529.WLS (1) Agency as may be required pursuant to the Code. If the Fiscal Agent follows the written instructions as supplied by the Agency, it shall be deemed to have complied with this subsection and shall have no responsibility to calculate Excess Investment Earnings or to take action in the absence of instructions from the Agency. If, however, the Agency shall fail to (i) furnish any calculation of Excess Investment Earnings, (ii) make deposits and/or direct transfers, or (iii) give any instructions required to be given by this Section 25, the Fiscal Agent shall send written notice of such failure immediately to the Agency. D. In order to assure that Excess Investment Earnings are paid to the United States rather than to a third party, investments by the Agency in certificates of deposit and in investment agreements shall be made only in accordance with the applicable requirements of the Code therefor as from time to time in effect. The Agency shall give the Fiscal Agent instructions regarding such investments and the Fiscal Agent shall have no liability if it follows those instructions or if it fails to take any action in the absence of instructions. E. The Agency shall keep and retain for a period of six years following the retirement of the Bonds records of the determinations made pursuant to this Section 25. The Agency shall keep a record of all investments made with Gross Proceeds in the Redevelopment Fund and any other fund or account held by it and containing Gross Proceeds of the Bonds. The Fiscal Agent shall keep a record of all investments made with moneys on -64- 871022 jlw A529.WLS (1) • deposit provide records date of in any Fund or Account held by it hereunder and shall such records to the Agency at least quarterly. Such shall contain a reference to the date of purchase, the sale, the purchase price, the sales price, the principal amount and coupon rate of each obligation purchased or sold. F. Payments pursuant to this Section 25 shall be made to the maximum extent possible from moneys on deposit in the Rebate Fund and, to the extent of any deficiency therein for such purpose, shall be made from the ment Fund. In the event of any moneys for the purposes of such Special Fund and the Redevelop - remaining deficiency in available transfer, such deficiency shall be paid by the Agency from any available funds. G. Notwithstanding any provision in this Section 25 to the contrary, in the event that the Agency has received an opinion of counsel that, pursuant to the provisions of Section 148(f)(4)(C) of the Code, the Bonds are to be treated as meeting the requirements of paragraphs (2) and (3) of Section 148(f) of the Code, no payments need government and all amounts transferred to the Special The Agency shall be made to the United States in the Rebate Fund Fund. provide the Fiscal shall be Agent with certificates and other information necessary for the Fiscal Agent to transmit to the United States Department of the Treasury the payments, statements and forms described above. The Agency shall advise the Fiscal Agent of any investment limitations that may arise requiring restrictions or -65- 871022 jlw A529.WLS (1) modifications of any of the investments otherwise permitted under this Resolution, and shall provide the Fiscal Agent with such further supplemental instructions as may be appropriate in the circumstances, and the Fiscal Agent shall follow those instructions. Section 26. Terms and Conditions of Sale. The terms and conditions of the offering and the sale of the Bonds shall be as specified in a Supplemental Resolution. Section 27. Preliminary Official Statement. The staff of the Agency and the Financial Consultant are hereby authorized and directed to prepare a preliminary Official Statement regarding the Bonds to be furnished to prospective bidders for the Bonds. Section 28. Unclaimed Funds. Notwithstanding any provisions of this Resolution, any moneys deposited with the Fiscal Agent for the payment of the principal of, or interest or premium on, any Bonds and remaining unclaimed for six years after the principal of all the Outstanding Bonds has become due and payable (whether at maturity or upon call for redemption or by declaration as provided in this Indenture) shall then be repaid to the Agency upon its written request, and the Owners of such Bonds shall thereafter be entitled to look only to the Agency for payment thereof, and all liability of the Fiscal Agent with respect to such moneys shall thereupon cease. Section 29. General Authorization. The members of the Agency, and its officers, deputy officers, employees, consultants -66- 871022 jlw A529.WLS (1) and legal counsel are hereby authorized to do all acts and things which may be required of them by this Resolution, or which may be necessary or desirable in carrying out the issuance of the Bonds as provided by this Resolution and all matters incidental thereto. All such acts and things heretofore done are hereby approved, ratified and confirmed. Section 30. Severabilitv. If any covenant, agreement or provision, or any portion thereof contained in this Resolu- tion, or the application thereof to any person or circumstance, is held to be unconstitutional, invalid or unenforceable, the remainder of this Resolution and the application of any such covenant, agreement or provision, or portion thereof, to other persons or circumstances, shall be deemed severable and shall not be affected, and this Resolution and the Bonds issued pursuant hereto shall remain valid and the Registered Owners shall retain all valid rights and benefits accorded to them under this Resolution and the Constitution and laws of the State of California. If the provisions relating to the appointment and duties of a Fiscal Agent are held to be unconstitutional, invalid or unenforceable, such duties shall be performed by the Treasurer or other appropriate officer of the Agency. -67- 871022 jlw A529.WLS (1) Section 31. Effective Date. This Resolution shall become effective upon its adoption. PASSED, APPROVED AND ADOPTED THIS loth day of December, 1987. ATTEST: AYES: CRITES, KELLY, SNYDER, WILSON, BENSON NOES: NONE ABSENT: NONE ABSTAIN: NONE SHEILA R. G IGAN, SE ETARY ' •l JEAN M. BENSON, MAYOR -68- RESOLUTION NO. 211 EXHIBIT "A" [FORM OF FULLY REGISTERED Bond] UNITED STATES OF AMERICA STATE OF CALIFORNIA COUNTY OF RIVERSIDE CITY OF PALM DESERT PALM DESERT REDEVELOPMENT AGENCY PROJECT AREA No. 1, AS AMENDED (ADDED TERRITORY ONLY) TAX ALLOCATION BOND The PALM DESERT REDEVELOPMENT AGENCY (the "Agency"), a public body, corporate and politic, duly organized and existing under the laws of the State of California, for value received, hereby promises to pay, but solely from the fund hereinafter mentioned, to or registered assigns, herein sometimes referred to as "Registered Owners", subject to the right of prior redemption hereinafter mentioned, the principal sum of Dollars ($ ), and to pay such Registered Owner by check or draft mailed thereto, at such Owner's address as it appears on the register kept by the Fiscal Agent at the close of business on the fifteenth day preceding the interest payment date, interest on such principal sum from the interest payment date next preceding the date hereof, unless the date hereof is prior to -1- 871022 jlw A529.WLS (1) RESOLUTION NO. 211 • in which event from until the principal hereof shall have been paid or provided for in accordance with the Resolution hereinafter referred to at the rate above indicated, payable semiannually on and in each year. Both principal and interest and any premium upon the redemption prior to maturity of all or part hereof are payable in lawful money of the United States of America, and except for interest which is payable by check or draft as stated above, are payable at Fiscal Agent for the Agency, in Los Angeles, California. This Bond, the interest hereon and any premium due upon the redemption of this Bond prior to maturity are not a debt of the City of Palm Desert, the State of California or any of its political subdivisions and neither such City, such State nor any of its political subdivisions is liable hereon, nor in any event shall this Bond, the interest or premium, if any, be payable out of any funds or properties other than the funds of the Agency as set forth in the Resolution hereinafter mentioned. This Bond does not constitute an indebtedness within the meaning of any constitutional or statutory debt limitation or restriction. Neither the members of the Agency nor any persons executing this Bond are liable personally on this Bond by reason of its issuance. This Bond is one of a duly authorized issue of Bonds of the Agency designated "Palm Desert Redevelopment Agency, Project Area No. 1, As Amended (Added Territory Only), Tax Allocation 871022 jlw A529.11_S (1) -2- RESOLUTION NO. 211 s Bonds (the "Bonds") in aggregate principal amount of $ all of like tenor, except for dates of maturity, bond numbers and interest rates, and all of which have been issued pursuant to and in full conformity with the Constitution and laws of the State of California and particularly the Community Redevelopment Law (California Health and Safety Code Section 33000, et sea.) for the corporate purposes of the Agency in aiding in the financing of the redevelopment of the Project Area above designated, and are authorized by and issued pursuant to Resolution No. adopted by the Agency on (such Resolution No. herein referred to as the "Resolution"), and all of the Bonds are equally secured in accordance with the terms of the Resolution, reference to which is hereby made for a specific description of the security therein provided for the Bonds, for the nature, extent and manner of enforcement of such security, for the covenants and agreements made for the benefit of the Registered Owners, and for a statement of the rights of the Registered Owners, and by the acceptance of this Bond the registered owner hereof assents to all of the terms, conditions and provisions of the Resolution. In the manner provided in the Resolution, the Resolution and the rights and obligations of the Agency and of the Registered Owners may, with certain exceptions as stated in the Resolution, be modified or amended with the consent of the Registered Owners of 60 percent in aggregate principal amount of outstanding Bonds, exclusive of issuer owned Bonds, unless modification or amendment is for the purpose of -3- 871022 jlw A529.WLS (1) RESOLUTION NO. 211 curing ambiguities, defects, etc., in which case no Registered Owner's consent is required. The principal of this Bond and the interest hereon are secured by an irrevocable pledge of, and are payable solely from the Tax Revenues, as such term is defined in the Resolution, and certain other funds, all as more particularly set forth in the Resolution. The Resolution is adopted under and this Bond is issued under and is to be construed in accordance with the laws of the State of California. The Outstanding Bonds maturing on or after , may be called before maturity and redeemed at the option of the Agency, in whole from the proceeds of refunding bonds, or in whole or in part from any other source of funds, on or on any interest payment date thereafter prior to maturity (the "redemption date"). If less than all of the Bonds outstanding are to be redeemed at any one time, the Bonds to be redeemed shall be redeemed in inverse order of maturity and by lot within a maturity. Bonds called for redemption shall be redeemed at a redemption price for each redeemed bond equal to the principal amount thereof, plus accrued interest to the redemption date. Notice of call and redemption prior to maturity shall be given as provided in the Resolution. The actual receipt by the Registered Owner of any Bond of notice of such redemption shall not be a condition precedent to redemption, and failure to receive such notice shall not -4- 871022 jlw A529.WLS (1) RESOLUTION NO. 211 • affect the validity of the proceedings for the redemption of such Bonds or the cessation of interest on the redemption date. This Bond is issued in fully registered form, is sometimes referred to herein as a "Fully Registered Bond" and is negotiable only by transfer of registration. This Bond may be exchanged for a like aggregate principal amount of Fully Registered Bonds of other authorized denominations, all as more fully set forth in the Resolution. This Bond is transferable by the registered owner hereof, in person or by the Holder's attorney duly authorized in writing, at the principal office of the Fiscal Agent in Los Angeles, California, but only in the manner, subject to the limitations and upon payment of the charges provided in the Resolution, upon surrender and cancellation of this Bond. Upon such transfer a new registered Bond of authorized denomination or denominations for the same aggregate principal amount of the same issue will be issued to the transferee in exchange therefor. No exchange or transfer shall be made between the fifteenth day of the month preceding any interest payment date and such interest payment date. The Agency, the Fiscal Agent and any Paying Agent may treat the registered owner hereof as the absolute owner hereof for all purposes, and the Agency, the Fiscal Agent and any Paying Agent shall not be affected by any notice to the contrary. This Bond shall not be entitled to any benefit under the Resolution, or become valid or obligatory for any purpose, 871022 jlw A529.WLS (1) -5- RESOLUTION NO. 211 Y until the certificate of authentication hereon endorsed shall have been signed by the Fiscal Agent. It is hereby recited, certified and declared that any and all acts, conditions and things.required to exist, to happen and to be performed precedent to and in the issuance of this Bond exist, have happened and have been performed in due time, form and manner as required by the Constitution and laws of the State of California. IN WITNESS WHEREOF, the Palm Desert Redevelopment Agency has caused this Bond to be signed on its behalf by the facsimile signatures of its Chairman and Executive Director and the seal of the Agency to be imprinted hereon all as of the day of (Seal) Chairman Executive Director -6- 871022 jlw A529.WLS (1) RESOLUTION NO. 211 4- [FORM OF CERTIFICATE OF AUTHENTICATION OF FULLY REGISTERED BONDS] This is one of the Bonds described in the within -mentioned Resolution. By , Fiscal Agent Authorized Officer [FORM OF ASSIGNMENT ON FULLY REGISTERED BONDS] For value received hereby sells, assigns and transfers unto the within -mentioned Bond and hereby irrevocably constitutes and appoints attorney, to transfer the same on the books of the Fiscal Agent with full power of substitution in the premises. Dated: Note: The signature to this Assignment must correspond with the name as written on the face of the within Bond in every particular, without alteration or enlargement or any change whatsoever. -7- 871022 jlw A529.WLS (1)