ࡱ> g y7bjbjVV KJr<r<о_ ~b1.N(***^Fhd0000000$250#^^##0**41---#v**/-#0---*eW)#-/101-D67)D6-D6- -!lz!00+1####D6 :  NEW JERSEY DEPARTMENT OF COMMUNITY AFFAIRS NEIGHBORHOOD STABILIZATION PROGRAM MORTGAGE Section 1. Parties. The parties to this Mortgage (the "Mortgage"), which is made this  FORMTEXT       day of FORMTEXT      , 20 FORMTEXT       are  FORMTEXT      [Developer or Acquisition Entity], having its principal place of business at  FORMTEXT       , New Jersey  FORMTEXT       (the "Borrower") AND  FORMTEXT      [CITY/COUNTY or DCA], having its principal office at FORMTEXT      ,  FORMTEXT      , New Jersey  FORMTEXT      , (the "Lender"). The Borrower acknowledges that in consideration for the execution of this Mortgage and the Mortgage Note (the "Mortgage Note") that this Mortgage secures, it shall receive from the Lender the Principal Sum described in the Mortgage Note as agreed to by the Lender, and Borrower and as referenced in Grant Agreement No.  FORMTEXT       as amended, between the State of New Jersey, Department of Community Affairs, Division of Housing and Community Resources, Neighborhood Stabilization Program (the  State ) and Lender (the "Grant Agreement"). The Borrower further acknowledges that the Lender provided the Principal Sum of  FORMTEXT       ($ FORMTEXT      ) (the "Principal Sum") pursuant to the Grant Agreement and in accordance with Title I of the Housing and Community Development Act of 1974, as amended, 24 CFR Part 570 of the regulations of the United States Department of Housing and Urban Development (HUD), as the same may be amended from time to time, Title III of Division B of the Housing and Economic Recovery Act of 2008 (P.L. 110-289) as amended by the American Recovery and Reinvestment Act of 2009 (P.L. 111-5), and 73 FR 58330 (October 6, 2008), and 24 CFR Part 92 of the regulations of the United States Department of Housing and Urban Development (the HOME Investment Partnerships Program) (NSP). Section 2. Background and Purpose. The Borrower proposes to [ACQUIRE/CONSTRUCT/REHAB], own and operate a "Housing Project" (the "Project") to be located on the premises, as described in Schedule A1 hereto (the "Mortgaged Premises"), mortgaged hereby. To obtain financing for the Project, the Borrower has applied to the Lender for a mortgage loan (the "Mortgage Loan") to be disbursed to the Borrower. To evidence the Mortgage Loan contemplated hereby, the Borrower has contemporaneously with the execution of this Mortgage executed the Mortgage Note. The Borrower acknowledges that the Lender and the State in deciding to finance the Project have relied upon the representations made in the Borrower's application as set forth above. The Borrower acknowledges that the Lender reserves the right to alter the terms of the Note and this Mortgage if the sources of funds dedicated to the Project or the use of the Project as described herein materially change. This right shall include but not be limited to the right to withdraw its financing commitment and the right to declare a default as described in Section 28 and to exercise its remedies as described in Section 29. Subject to the terms and conditions contained in this Mortgage, the Lender has approved the Borrower's application for a Mortgage Loan, to be disbursed subject to terms and conditions described herein. Borrower acknowledges that it will complete the construction in accordance with plans and specifications furnished by the Borrower to the Lender. The parties acknowledge that this mortgage is subordinate only to the following mortgages securing the following principal amounts:  FORMTEXT       [Lender Name] $  FORMTEXT       Section 3. Covenant to Pay Mortgage Note. The Borrower hereby promises to pay the Mortgage Loan in accordance with the provisions of the Mortgage Note. Section 4. Granting Clauses. In order to secure to the Lender: (a) the punctual payment by the Borrower of all sums due or to become due under the provisions of the Mortgage Note; and (b) the payment or performance of all obligations of the Borrower under this Mortgage; and (c) the payment or performance of all obligations of the Borrower under the Mortgage Note; and (d) the payment or performance of all obligations of the Borrower under any senior mortgage notes or any senior mortgages; The Borrower, subject only to the superior mortgages indicated above, pledges, assigns and grants to the Lender a security interest in the following: A. the Borrower's right, title and interest in the premises described in Schedule A1 hereto, including any buildings hereafter erected thereon and any improvements to such buildings (the "Mortgaged Premises"); B. all the rights, title and interest of the Borrower, if any, in and to the beds of streets, roads and avenues open or proposed, adjacent to or pertinent to the property and any easements in favor of such premises over other premises; C. any award made in the nature of compensation for condemnation or appropriation with respect to the Mortgaged Premises by any governmental body, including awards or damages in respect to matters other than a direct taking which nonetheless effect the Mortgaged Premises. The Borrower hereby assigns any such awards or damages to the Lender, and in addition, for itself and its successors and assigns, appoints the Lender and any subsequent holder of the Mortgage Note and this Mortgage its AttorneyinFact, and empowers such Attorney at his option, on behalf of the Borrower, to adjust or compromise any such claims, to collect any proceeds and to execute in the Borrower's name any documents necessary to effect such collection. The Lender is empowered to endorse any checks representing these proceeds, and after deducting any expenses incurred in the collection, to apply the net proceeds as a credit upon any portion of the Mortgage Loan after payment of any fees and charges due and payable (as defined in and provided for in this Mortgage); D. all fixtures or other tangible personal property now or hereafter situated on the Mortgaged Premises or installed or placed in the buildings located thereon including, without limitation, stoves, refrigerators and similar appliances; E. all federal and state subsidy payments to which the Borrower is or will be entitled with respect to the Mortgaged Premises; F. all rentals payable by tenants in respect to any part of the Mortgaged Premises and any other revenues from the Mortgaged Premises, including fees derived from laundry and parking facilities, and other similar facilities; G. all amounts payable to or recoverable by the Borrower under the terms of the Construction Contract or any surety bond issued in connection therewith; H. all rights under and amounts recoverable under warranties as to quality or performance of any material, part, subassembly, appliance or other component part of the Mortgaged Premises; I. all reserves created pursuant to the terms of this Mortgage; J. all proceeds of casualty or other insurance on the Mortgaged Premises or any part thereof; K. the obligation of any of the Borrower's members, if any, to make any future capital contributions; L. any real estate tax rebates or refunds which the Borrower is entitled to receive; M. any amounts in the Project accounts described in Sections 7 and 18 herein. Section 5. Representations and Warranties. The Borrower represents and warrants to the Lender that: (a) (1) (i) the Borrower is duly organized and existing under the provisions of ӣƵ law and in good standing under the laws of ӣƵ, (ii) has the power and authority to own its assets, to carry out and complete the Project and to carry on its business as now being conducted (and as now contemplated), and (iii) has the power to execute and perform all the undertakings of this Mortgage and the Mortgage Note. Borrower will file with Lender prior to the initial disbursement a true copy of its certificate of good standing as issued by the ӣƵ office of the Secretary of State evidencing current payment of franchise taxes if applicable. Borrower will file with Lender prior to the initial disbursement a true copy of a resolution executed by the appropriate officers of the corporation or by the appropriate individual or members as applicable, evidencing authority granted to the Borrower to enter into this Mortgage, the Mortgage Note and to incur the obligations contained herein; (2) If, in accordance with Section 11 herein, Borrower transfers the Mortgaged Premises/Project subject to the conditions, obligations and restrictions contained herein and contained in the Mortgage Note, to an entity in which Borrower or its principals are the members, in the case of a limited liability company, or the majority shareholders, in the case of a corporation, Borrower shall submit documentation satisfactory to the Lender, its successors and/or assigns that the transferee entity is in good standing. Borrower shall also submit documentation satisfactory to the Lender, its successors and/or assigns evidencing authority granted to the transferee by its Board of Directors or Managing Members, as appropriate, to assume the conditions, obligations and restrictions contained herein and contained in the Note. Documentation to be submitted by the transferee should be similar to that required to be submitted by the Borrower in paragraph 5(a)(1) above; (b) all statements contained in all applications, correspondence or other materials delivered to the Lender or the Municipality in connection with their consideration of the Mortgage Loan to the Borrower or relating to the Mortgaged Premises are true and correct; (c) at the time of execution of this Mortgage, or prior thereto, the Borrower has acquired title in fee simple to the Mortgaged Premises described on Schedule A-1, subject only to such exceptions which have been disclosed in writing to the Lender and which will not, as solely determined by the Lender, materially interfere with or impair the beneficial use of the Mortgaged Premises for purposes of the Project; (d) the Borrower has filed with the Lender evidence satisfactory to that agency of the commitment of funds to the Project received as further described in Section 2 herein. Borrower acknowledges that disbursement of the proceeds secured by this Mortgage is contingent upon Borrower receiving these funds. Should these funding sources become unavailable to the Borrower for use in connection with this Project, disbursement of proceeds secured by this Mortgage shall be contingent upon approval by the Lender of an alternative funding source identified by the Borrower. Such approval shall not be unreasonably withheld as long as the Lender, in its sole discretion, determines that the goals and objective of the Project are not compromised by utilizing the alternative funding source; (e) no event has occurred and no condition exists which constitutes an Event of Default under this mortgage or which, but for a requirement of notice or lapse of time, or both, would constitute such an Event of Default and the Borrower has obtained permission from the Lender to assume the obligations contained in this Mortgage; (f) if a municipal tax abatement was contemplated in the Borrower's loan application, the Borrower has submitted an application to the municipality in which the Mortgaged Premises are situated providing for tax exemption and payments in lieu of taxes by the Borrower. Borrower will diligently proceed with negotiations with the municipality regarding said tax exemption and payment in lieu of taxes and if agreement is reached between the Borrower and the Municipality, a copy of such agreement including any amendments thereto shall be submitted to the Lender; and (g) the Borrower has received all necessary authorizations for construction and/or rehabilitation of the Project on the Mortgaged Premises in accordance with the plans and specification and the Project is now (to the extent constructed), and on completion will be, in compliance with all applicable zoning, building and environmental codes and all other laws, ordinances, rules and regulations of any governmental body having jurisdiction over the Project. Section 6. Construction of Project and Determination of Actual Project Cost. The Borrower covenants and agrees to diligently prosecute the construction of the Project in accordance with the plans and specifications for the Project as approved by the Lender and the State. No substantial revision of the approved Plans and Specifications, which revision would either (a) affect the nature of the Project as described in Section 2 hereof, or (b) in the aggregate increase the cost of the Project by more than ten percent (10%) as shown on the Project Development Budget contained in the Grant Agreement between the State and the Lender, may be made without the prior express written consent of the Lender. Construction of the Project shall at all times be subject to the inspection, review, regulation and approval of the Lender, the State or its duly authorized representatives. Any such inspection, regulation, review or approval of the Lender or State shall be solely for its benefit for the purpose of assuring that the programs and goals of the Lender or State are being fulfilled and shall not be construed as making the Lender or State a party to any contract in connection with the construction of the Project, nor shall it relieve the Borrower of any of its obligations under this Mortgage, or the Mortgage Note. The Borrower covenants and agrees to complete the Project. The parties acknowledge that the Project shall be completed upon the issuance of appropriate Certificates of Occupancy by the Municipality. Upon completion of the Project, the Borrower shall certify to the Lender or its successors and/or assigns the actual cost of the Project. This cost certification shall be performed by a Certified Public Accountant chosen by the Borrower and approved by the Lender. The cost certification must be independent as defined by The American Institute of Certified Public Accountants. The Borrower shall, promptly upon completion of the cost certification, forward it to the Lender or its successors and/or assigns. Costs associated with the preparation of the cost certification shall be borne by the Borrower. Section 7. Disbursements. Upon and subject to the terms and conditions of this Mortgage, the Lender agrees to disburse to the Borrower in successive payments the Principal Sum as defined in the Mortgage Note and ӣƵ Department of Community Affairs, Neighborhood Stabilization Program Operational Manual (the NSP Operational Manual). Disbursements will be made by the Lender in accordance with the project budget contained in the Grant Agreement and in accordance with NSP Operational Manual, which is incorporated herein by reference. The Borrower hereby agrees to provide to the Lender, State, or its successors and/or assigns, any data requested with respect to the occupancy of the Mortgaged Premises/Project or any other information regarding the construction of the Project or the marketing of the completed units. The Borrower shall establish a Project account with a bank or trust company approved by the Lender that maintains an office in the ӣƵ, the deposits of which are insured by the Federal Deposit Insurance Corporation. Section 8. Insurance. The Borrower covenants and agrees to cause the buildings on the Mortgaged Premises/Project and any improvements thereto and the fixtures and articles on the Mortgaged Premises/Project and any improvements thereto and the fixtures and articles of personal property covered by this Mortgage to be insured against loss by fire and by such other hazards as may be required by the Lender or its successors and/or assigns for the benefit of the Lender or its successors and/or assigns. Such insurance shall be written by such companies, in such amounts and in forms as are reasonably satisfactory to the Lender. The Borrower will assign and deliver the certificates of insurance to the Lender or its successors and/or assigns and such certificates will provide that the Lender or its successors and/or assigns shall be the loss payee subject only to the rights of the prior mortgagees. Such policies shall provide that the insurer may not cancel the policy and will not refuse to renew the policy except after thirty (30) days written notice to the Lender or its successors and/or assigns. If the Lender or its successors and/or assigns shall not receive evidence satisfactory to it of the existence of effective insurance coverage as required by the Lender or its successors and/or assigns, the Lender or its successors and/or assigns may (but shall not be required to) obtain such coverage, and the Borrower will reimburse the Lender or its successors and/or assigns, on demand for any premiums paid for insurance procured by the Lender or its successors and/or assigns, and until so reimbursed the amount of such premiums shall be added to the Principal Sum of the Mortgage Note and bear interest at a rate equal to the yield rate on a 30 year U.S. Treasury bond at the time of making of such payment(s) by the Lender. In the event of substantial damage to the Mortgaged Premises/Project by the occurrence of an insured casualty or the taking of a substantial portion of the Mortgaged Premises/Project by condemnation, if, in the sole reasonable-judgment of the Lender (which judgment shall be conclusive), (a) the Mortgaged Premises/Project can be replaced or restored in whole or in part, and (b) the Mortgaged Premises/Project as so replaced will produce sufficient income to meet the obligations of the Borrower under this Mortgage and the Mortgage Note, and (c) the Mortgaged Premises/Project can continue to fulfill the Program Objectives as contained in the Borrower's application for funding, the proceeds of insurance or condemnation, if sufficient, to the extent necessary for the purpose, shall be made available to the Borrower upon satisfaction by the Borrower of the conditions precedent to disbursements, for such replacement or restoration. To the extent the Mortgaged Premises/Project is not replaced or restored, such proceeds shall be applied to the indebtedness secured hereby after payment of fees and charges due and payable (as defined and provided for in this Mortgage). Nothing in this Section shall affect the lien of this Mortgage or the liability of the Borrower for payment of the entire balance of the Mortgage indebtedness. Insurance Binders Required Prior to Disbursement: Borrower will provide to the Lender prior to the first disbursement under the Mortgage Note: An original prepaid Builders Full all risk policy or policies written by a company or companies acceptable to the Lender, containing a ӣƵ Standard Mortgage Clause for the benefit of the Lender or its successors and/or assigns subject only to the interest of prior mortgagees, in an amount sufficient to cover this Mortgage lien; Comprehensive Public Liability Insurance (broad form) covering injury and damage to persons and property with limits satisfactory to the Lender and naming Lender as additional insured. Such policies shall provide that not later than 30 days prior to any policy expiration or cancellation the Lender will receive written notice before effectuation of such expiration or cancellation. Such insurance shall be written by such companies in such amounts as are satisfactory to the Lender; Upon completion of construction this insurance shall be converted to a standard policy or policies written by a company or companies acceptable to the Lender or its successors and/or assigns. Such insurance is to be carried on a full replacement value basis, but in no event shall the insurance coverage be less than the total aggregate amounts of the Mortgage loans outstanding. The original policy or policies showing the Lender's or its successors and/or assign's interest as mortgagee shall be lodged with the Lender or its successors and/or assigns. All premiums shall be paid by the Borrower. If, prior to disbursement in accordance with this Mortgage or the Mortgage Note, the Mortgaged Premises/Property have been identified by the Secretary of Housing and Urban Development as being in an area of having special flood or mudslide hazards, and for which the sale of flood insurance has been made available under the National Flood Insurance Act of 1968, a flood insurance policy satisfactory to the Lender or its successors and/or assigns shall be purchased by the Borrower. Section 9. Taxes or Payments in Lieu of Taxes. The Borrower covenants and agrees to pay all taxes, payments in lieu of taxes, assessments, water charges and sewer charges, and in default thereof the Lender may pay the same. Any such sum or sums so paid by the Lender shall be added to the Principal Sum hereby secured and shall bear interest at a rate equal to the yield rate on a 30 year U.S. Treasury bond at the time of making of such payment(s) by the Lender. Section 10. Liens. The Borrower covenants and agrees to maintain its right, title and interest in the Mortgaged Premises (including the Project and land) and all items enumerated in Section 4 of this Mortgage free and clear of all liens and security interests except the liens of this Mortgage, and the liens of other mortgagees described in Section 2 above, and those exceptions identified and set forth in a certain title policy issued by  FORMTEXT      Title Insurance Company numbered  FORMTEXT       and dated FORMTEXT      ,  FORMTEXT       as approved by the Lender. Lender shall be furnished with this current standard ALTA form with extended coverage, insuring that this Mortgage is a valid lien on the Mortgaged Premises/Project. Prior to any disbursement under this Mortgage, Borrower shall provide evidence satisfactory to the Lender of the recording of this Mortgage. Except with the written consent of the Lender, the Borrower will not install any item of tangible personal property as a part of the fixtures or furnishings of the Mortgaged Premises/Project which is subject to a purchase money lien or security interest. The Lender may, at its sole option, pay the amount necessary to discharge any such lien, and the Borrower shall promptly reimburse the Lender for any amounts so paid. Until reimbursement of the Lender of any amounts so paid, such amount shall be added to the Principal Sum secured by this Mortgage and shall bear interest at a rate equal to the yield rate on a 30 year U.S. Treasury bond at the time of making of such payment(s) by the Lender. Section 11. Encumbrances  Sale of Mortgaged Premises/Project. The Borrower covenants and agrees not to sell, lease or otherwise encumber the Mortgaged Premises/ Project or the Land, or any part thereof, or the rents or revenues thereof without the prior written consent of the Lender, except by leasing to eligible residential tenants. Section 12. Maintenance, Repair and Replacement. The Borrower covenants and agrees to maintain the Mortgaged Premises/Project and the housing units contained therein and the appurtenant equipment and grounds in good repair and condition so as to provide decent, safe and sanitary housing accommodations. Following completion of the Project, the Borrower will not make any substantial alteration in the Mortgaged Premises/Project without the consent of the Lender, nor will the Borrower permit the removal of any fixtures or articles of personal property except in connection with the replacement thereof with appropriate property of at least equal value and free of all liens or claims. The Borrower will not permit any accumulation of waste with respect to the Mortgaged Premises/Project or any of its real or personal property or make any alteration which will increase the hazard of fire or other casualty. Section 13. Advance Amortization Payments. Because the public purposes of the Lender include maximizing the period during which the residential units in the Mortgaged Premises/Project are available to persons of low and moderate income, any advance principal repayment shall not release the Borrower from any obligation incurred under the Mortgage Note, the Deed of Easement and Restrictive Covenants, or under any agreement with the Lender which contains obligations reflecting the terms and conditions of the Grant Agreement which provides that the Mortgaged Premises/Project remain affordable to persons of low and moderate income. Such obligations shall remain whether or not Borrower has tendered to or deposited with the Lender an amount otherwise sufficient to pay the Mortgage Loan, including interest accrued and payable, in full. Section 14. Compliance with the Neighborhood Stabilization Program, State, and Federal Requirements. The Borrower covenants and agrees to comply with the NSP, the NSP Operational Manual and any statutes or regulations governing the NSP and with any amendments or supplements thereto. The Borrower further covenants and agrees to comply with all requirements imposed upon it by the Grant Agreement or any agreement with or binding upon the Lender reflecting said Agreement. If any provision of this Mortgage shall be determined to be inconsistent with the NSP, its rules or regulations or the Grant Agreement, all of the latter shall govern. Section 15. Use of Mortgaged Premises/Project. Except as otherwise expressly permitted by this Mortgage and except for facilities approved by the Lender as normally appurtenant to residential projects for nontransients (such as laundry facilities), the Mortgaged Premises/Project shall be used solely to provide residential housing for persons identified in the Borrower's application for funding. The Borrower shall offer dwelling units for occupancy in strict accordance with a marketing program or plan previously approved by the Lender. Section 16. Consideration for Lease. If the units constructed at the Project are for tenant occupancy, the Borrower covenants and agrees not to require as a condition of the occupancy or leasing of any dwelling unit in the Project and not to accept nor allow any employee or agent to accept any consideration other than the prepayment of the first month's rent plus a security deposit not in excess of one (1) month's rent to guarantee the performance of the covenants of the lease or occupancy agreement. Section 17. Tenant Security Deposit. If the units constructed at the Project are for tenant occupancy, the Borrower covenants and agrees to deposit all moneys paid to the Borrower by any residential tenant as a security deposit in a separate interest bearing bank account held and maintained in accordance with applicable law and instructions of the Lender its successors and/or assigns as to its custody and control. Section 18. Account for Project Revenues. The Borrower covenants and agrees to establish an account for Project revenues with a bank or trust company approved by the Lender and maintaining an office within the ӣƵ the deposits of which are insured by the Federal Deposit Insurance Corporation. "Project Revenue" shall mean all rents and other revenues of any type whatsoever received in connection with the Project or the Borrower's operation of the Project, except for Mortgage Loan disbursements. Project Revenue shall be deposited in this account. Section 19. Inspection of Mortgaged Premises. The Borrower covenants and agrees to permit the Lender, State, their agents or representatives, to inspect the Mortgaged Premises at any and all reasonable times with or without notice. Section 20. Books and Records. Subject to the requirements of any prior mortgages which shall govern, the Borrower covenants and agrees to maintain adequate books and records of its transactions with respect to the Mortgaged Premises/Project in a form acceptable to the Lender. Such books and records shall be available for inspection and audit by the Lender, State or their agents at any time during business hours. The Borrower shall furnish the Lender with the financial statements of the Borrower's financial affairs within three (3) months of the close of each of its fiscal years during the years that this Mortgage and the Mortgage Note remain unsatisfied as further described in the Mortgage Note. These financial statements shall document, among other things, the financial affairs of the Project. The Borrower shall furnish the Lender or its successors and/or assigns such other information and reports respecting the Project as the Lender or its successors and/or assigns may reasonably require. Section 21. Management Contract. The Borrower may, and if the Lender or its successors and/or assigns becomes first mortgagee and so elects, shall, contract for the services of a firm experienced in real estate management to act as the managing agent for the Mortgaged Premises/Project and in such event the selection of any such managing agent, the scope of the agent's duties and the basis of the agent's compensation shall be subject to the approval of the Lender or its successors and/or assigns, and any contract for the employment of any managing agent shall provide that such contract may be terminated by the Lender at any time by notice of such determination by the Lender given to the Borrower and managing agent. Section 22. Prohibited Actions. Except with the express approval of the Lender or its successors and/or assigns, the Borrower is prohibited from taking the following actions in regard to Project Revenues, as defined in Section 18 hereof, and Disbursements, as provided for in Section 7 hereof: 1. incur any liabilities except in connection with the construction of the Project and its operation and maintenance; 2. engage in any business activity except the ownership and operation of the Project; 3. pay more than the fair market value thereof for goods or services; Section 23. Statutory Powers and Restrictions. The Mortgage Loan provided for herein shall be subject to statutory and regulatory restrictions contained in the NSP and accompanying regulations, and in connection therewith the Lender and State shall have the powers set forth in the Act, and the Borrower hereby consents to such restrictions and powers and agrees to be bound thereby. Such powers and restrictions shall be in addition to and not in limitation of the rights of the Lender expressly set forth in this Mortgage, the Grant Agreement and the NSP Operational Manual. Section 24. Accounting in Event of Default. Upon the occurrence of an Event of Default and within five (5) business days of demand therefor by the Lender, the Borrower will furnish to the Lender in writing a statement of the principal amount remaining due in this Mortgage together with a statement of any defenses which may exist as to any liability of the Borrower on the Mortgage Loan or otherwise hereunder. Section 25. Personal Liability. In the event of Default, the Lender shall take no action against the Borrower personally or against any of its members if applicable, except to the extent necessary to subject the Mortgaged Premises/Project to satisfaction of the Mortgage Loan and any obligation under this Mortgage in accordance with and subject to the terms and conditions of the Mortgage Note and this Mortgage and except to the extent any such person has committed fraudulent, criminal or other unlawful activities. Section 26. Financing Statements. The Borrower hereby irrevocably authorizes the Lender to execute on its behalf one or more financing statements or renewals thereof in respect of any of the security interests granted by this Mortgage. Section 27. Assignment by Lender. The Borrower hereby consents to any assignment of this Mortgage by the Lender. Section 28. Defaults. Each of the following shall be an Event of Default: (a) failure by the Borrower to pay when due any installment of principal or interest on the Mortgage Loan or Fees and Charges or any other payment required by the Borrower to the Lender or any other person pursuant to the terms of this Mortgage and the Mortgage Note; (b) commission by the Borrower of any act prohibited by the terms of this Mortgage, failure by the Borrower to perform or observe in timely fashion any action or covenant required by any of the terms of this Mortgage, or failure by the Borrower to produce satisfactory evidence of compliance therewith; (c) the filing by the Borrower under any Federal or State Bankruptcy or insolvency law or other similar law of any petition in bankruptcy or for reorganization or composition with creditors or the making of an assignment for the benefit of creditors; (d) the filing against the Borrower under any Federal or State Bankruptcy or insolvency law or other similar law of a petition seeking the Borrower's adjudication as a bankrupt or the appointment of a receiver or other custodian for the benefit of its creditors which shall not be dismissed within thirty (30) days of the filing thereof, or the adjudication of the Borrower as a bankrupt, or the appointment by court order of a custodian (such as a receiver, liquidator or trustee) of possession of the Borrower or any of its property for the benefit of its creditors and such order remains in effect or such possession continues for more than thirty (30) days; (e) the occurrence of substantial destruction of the Mortgaged Premises/Project by an uninsured casualty; (f) any representation in conjunction with this Mortgage Loan and the Mortgaged Premises/Project by or on behalf of the Borrower which is false or misleading in any material adverse respect or any warranty of the Borrower which is breached; (g) any breach by the Borrower of its obligations or any failure to observe its covenants under any prior mortgage, or note which result in an Event of Default thereunder, or the failure to observe the covenants as contained in any deed restriction associated with such prior mortgage or note, if applicable; (h) failure to complete the Project by the ending date of the Grant Agreement, as it may be extended. The events set forth in subsections (b) and (g) of this Section shall not constitute Events of Default until the prohibited acts, failure to perform or observe, or breaches shall remain uncured for a period of thirty (30) days after Lender's written notice to Borrower, specifying such prohibited act, failure or breach and requesting that it be remedied, unless the Lender shall agree in writing to an extension of such time prior to its expiration; provided, however, that if the prohibited act, failure, or breach stated in each notice is correctable but cannot be corrected within the 30 day period, the Lender may not unreasonably withhold its consent to an extension up to 120 days from the delivery of the written notice referred to herein if corrective action is instituted by the Borrower within the initial 30 day period and diligently pursued. Section 29. Remedies. Upon the occurrence of any Event of Default, the Lender, subject to any first mortgage, may at its option take any one or more of the following actions or remedies, and no failure to exercise any remedy or take any action enumerated shall constitute a waiver of such right or preclude a subsequent exercise by the Lender of any such remedy: (a) declare the entire Principal Sum of the Mortgage Loan together with all other liabilities of the Borrower under the Mortgage Note and the Mortgage to be immediately due and payable; (b) cease making disbursements to the Borrower; (c) apply any reserves held by the Lender or the balance in the accounts for Project disbursements and revenues, or any combination of these moneys, to the payment of the Borrower's liabilities hereunder; (d) foreclose the lien of this Mortgage on the Mortgaged Premises. In any action to foreclose, the Lender shall be entitled to the appointment of a receiver of the rents and profits of the Project as a matter of right and without notice, with power to collect the rents, uses, and profits of said Project, due and becoming due during the pendency of such foreclosure suit, such rents and profits being hereby expressly assigned and pledged as additional security for the payment of the indebtedness secured by this Mortgage without regard to the value of the Project or the solvency of any person or persons liable for the payment of the mortgaged indebtedness. The Borrower for itself and any such subsequent owner hereby waives any and all defenses to the application for a receiver as above and hereby specifically consents to such appointment without notice, but nothing herein contained is to be construed to deprive the holder of the Mortgage of any other right, remedy or privilege it may now have under the law to have a receiver appointed. The provision for the appointment of a receiver of the rents and profits and the assignment of such rents and profits is made an express condition upon which the Mortgage Loan hereby secured is made. Upon such foreclosure the Lender shall have the right to have a receiver appointed for the Mortgaged Premises/Project and the rentals from the Project; (e) take possession of the Mortgaged Premises/Project; (f) without judicial process, collect all rentals and other revenue including federal and state subsidies as the agent of the Borrower (which upon the occurrence of any Event of Default the Lender is deemed to have been irrevocably appointed by the Borrower), and apply the same at the Lender's option either to the operation and maintenance of the Project or to the liabilities of the Borrower under this Mortgage; (g) act as landlord of the Mortgaged Premises/Project and rent or lease the same on any terms approved by it or dispossess by summary proceedings or other available means any tenant defaulting under the terms of the lease of a dwelling unit; (h) take possession of equipment, appliances and other tangible personal property in which a security interest has been granted by this Mortgage and dispose of the same in any commercially reasonable manner. The Lender shall have the option to dispose of any such equipment and personal property either separately from the Mortgaged Premises or in conjunction with a sale of the Mortgaged Premises, and the Borrower agrees that either method of disposition shall be commercially reasonable; (i) sue the Borrower for a mandatory injunction or other equitable relief requiring performance by the Borrower of any of its obligations under the Mortgage. The Borrower agrees with the Lender that the Lender's remedy at law for the violation or the nonperformance of the Borrower's obligations under this Mortgage is not adequate by reason, among other things, of the Lender's public purpose to provide adequate, safe and sanitary dwelling units for families of low and moderate income; (j) replace the managing agent or other agent exercising management control over the affairs of the Borrower with such person or persons as the Lender in its sole discretion deems advisable, including officers or employees of the Lender, who shall exercise all of the authority of the managing general partner or other manager of the Borrower. Such appointment by the Lender shall be for the duration provided in Section 7 (b)(6) of the ӣƵ Housing and Mortgage Finance Agency Law of 1983, as amended and any person so appointed shall be entitled to the same immunities and compensation as provided in such Act; (k) notwithstanding the above enumeration of remedies, the Lender shall have available to it any remedies provided to it by law. Section 30. Expenses Due to Default. All reasonable expenses (including reasonable attorney's fees, costs and allowances) incurred in connection with an action to foreclose this Mortgage or in exercising any other remedy provided by this Mortgage, including the curing of any Event of Default, shall be paid by the Borrower, together with interest at a rate equal to the yield rate on a 30 year U.S. Treasury bond at the time of making of such payment(s) by the Lender. Any such sum or sums and the interest thereon shall be a further lien on the Mortgaged Premises and shall be secured by this Mortgage. Section 31. Amendments; Notices; Waivers. This Mortgage may be amended only by an instrument in writing executed and acknowledged on behalf of the Lender and the Borrower in such manner that the instrument may be recorded. No waiver by the Lender in any particular instance of any Event of Default or required performance by the Borrower and no course of conduct of the parties or failure by the Lender to enforce or insist upon performance of any of the obligations of the Borrower under this Mortgage at any time shall preclude enforcement of any of the terms of this Mortgage or the Mortgage Note thereafter. Any provision of this Mortgage requiring the consent or approval of the Lender for the taking of any action or the omission of any action requires such consent by the Lender in writing signed by a duly authorized officer of the Lender. Any such consent or approval, unless it expressly states otherwise, is limited to the particular action or omission referred to therein and does not apply to subsequent similar actions or omissions. Notice provided for under this Mortgage shall be given in writing signed by a duly authorized officer and any notice required to be given hereunder shall be given by regular mail and be certified or registered mail, postage prepaid, return receipt requested, at the addressed specified below, or at such other addresses as may be specified in writing by the parties hereto: Borrower:  FORMTEXT       Borrower's Attorney at: FORMTEXT       Lender: New Jersey Department of Community Affairs Division of Housing and Community Resources 101 South Broad Street, P. O. Box 806 Trenton, New Jersey 086250806 Attention: Director OR CITY/COUNTY Section 32. Severability. The invalidity of any part or provision of this Mortgage shall not affect the validity of the remaining portions thereof. Section 33. Disclaimer of Warranties, Liability, Indemnification. A. The Borrower acknowledges and agrees that (i) the Lender has not heretofore and does not make any warranty or representation, either express or implied as to the value, condition, or fitness for particular purpose or fitness for any use of the Mortgaged Premises or any portions thereof or any other warranty or representation with respect thereto; (ii) in no event shall the Lender or its agents or employees be liable or responsible for any incidental, indirect, special or consequential damages in connection with or arising out of this Mortgage or the development of the Project or the existence, functioning or use of the Project or any items or services provided for in the Mortgage; and (iii) during the term of this Mortgage and to the fullest extent permitted by law, the Borrower shall indemnify and hold the Lender harmless against, and the Borrower shall pay any and all liabilities, losses, costs, damages, claims, judgments or expenses of any and all kinds or nature and however arising, imposed by law, which the Borrower and the Lender may sustain, be subject to, or be caused to incur by reason of any claim, suit or action based upon personal injury, death or damage to property, whether real, personal or mixed, or upon or arising out of contracts entered into by the Borrower, or arising out of the Borrower's ownership of the Project or out of the development, or management of the Project. B. It is mutually agreed by the Borrower and the Lender that the Lender and its directors, officers, agents, servants and employees shall not be liable for any action performed under this Mortgage, and that the Borrower shall hold them harmless from any claim or suit of whatever nature. C. Any claims asserted against the Lender shall be subject to the ӣƵ Contractual Liability Act, N.J.S.A. 59:131, et.seq. (except for N.J.S.A. 59:139 thereof). It is acknowledged by the parties that the Lender is a public entity covered by the provisions of the ӣƵ Tort Claims Act, N.J.S.A. 59:11 et.seq. Section 34. Execution in Counterparts. This Mortgage may be executed in counterparts, each of which shall be an original and all of which shall constitute but one and the same instrument. Section 35. Applicable Law. This Mortgage shall be governed by and construed in accordance with the laws of the State of New Jersey. IN WITNESS WHEREOF, this Mortgage has been duly executed by the Borrower this  FORMTEXT      day of  FORMTEXT      , 20____. WITNESS/ATTEST: BORROWER: By:_____________________ By:__________________________________ Name:______________________________ Title:_______________________________ ACKNOWLEDGEMENT (INDIVIDUAL OR PARTNERSHIP FORM) STATE OF NEW JERSEY, COUNTY OF  FORMTEXT       SS.: I CERTIFY that on _______________, 20____, _________________________ personally came before me, and acknowledged under oath, to my satisfaction, that this person (or if more than one, each person); (a) is named in and personally s@ $ rdLr4r.jhWZ@CJOJQJU^JaJmHnHu/jhWZ@hNfwCJOJQJU^JaJhWZ@CJOJQJ^JaJ#jhWZ@CJOJQJU^JaJh|CJOJQJ^JaJ h[5CJOJQJ\^JaJh[>*CJOJQJ^JaJ#h[5>*CJOJQJ\^JaJhCJOJQJ^JaJh^WCJOJQJ^JaJhNCJOJQJ^JaJh[CJOJQJ^JaJh[@BB D s'$ 2`0p@ P !$p]p^a$'$ 2p@ P `0!$pp]p^pa$+$ 2p@ P `0!$pp]p^p`a$$ Ha$$a$gd^W    ( * , 6 8 D F H \ ^ ` ҺҊydS8d5j\hhG5CJOJQJU\^JaJ h5CJOJQJ\^JaJ)jh5CJOJQJU\^JaJ h65CJOJQJ\^JaJ/jhWZ@hNfwCJOJQJU^JaJ.jhWZ@CJOJQJU^JaJmHnHu/jthWZ@hNfwCJOJQJU^JaJhWZ@CJOJQJ^JaJ#jhWZ@CJOJQJU^JaJh[CJOJQJ^JaJ` j l    " , . 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