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HomeMy WebLinkAboutTri-Party Agreement - $8,500,000 TRI-PARTY AGREEMENT This Tri-Party Agreement(the "Agreement") is executed this4day of July, 2010, by and among Lake City Bank, a banking institution having its principal office at Two Meridian Plaza, Suite 300, 10401 North Meridian Street,Indianapolis,Indiana 46290-1113(the"Lender"),Carmel City CenterCommunity Development Corporation,an Indiana community development corporation having its principal office at One Indiana Square, Suite 1500, Indianapolis, Indiana 46204 (the "Borrower"), and The City of Carmel Redevelopment Commission, having its principal office at City of Carmel, Indiana, 30 West Main Street, Suite 220, Carmel, Indiana 46032("CRC"). 1. Definitions. Accrued Interest shall mean the Base Rate Accrued Interest or the Adjusted Rate Accrued Interest, as applicable. Adjusted Outstanding Principal Balance shall mean the outstanding amount,on the Loan Purchase Date, of: (a)the Borrower Loan Account Disbursement; plus(b)all Lender Fees (including all outstanding Lender Fees that are owed by Borrower as a result of a Loan Default); provided that the Adjusted Outstanding Principal Balance shall be reduced by the amount of the Grant Account Deposits. in no event shall the Adjusted Outstanding Principal Balance exceed$8,500,000.00,plus Lender Fees(including all Lender Fees that are owed by Borrower as a result of a Loan Default). Adjusted Purchase Price shall mean the sum of: (a) the Adjusted Rate Accrued Interest; and (b) the Adjusted Outstanding Principal Balance. Adjusted Rate Accrued Interest shall mean all interest on the Adjusted Outstanding Principal Balance that has accrued, and remains unpaid, as of the Loan Purchase Date, regardless of whether such interest has accrued at the Loan Rate or the Default Rate. Aggregate Costs shall mean the sum of: (a)the Concert Hall Completion Costs; (b)the Lender Fees; and (c) Debt Service. Base Outstanding Principal Balance shall mean the outstanding amount,on the Loan Purchase Date, of: (a)the Borrower Loan Account Disbursement; plus (b)all Lender Fees,to the extent that such Lender Fees have been incurred in the absence of a Loan Default;provided that such amount specifically shall exclude all Lender Fees that are owed by Borrower as a result of a Loan Default. The Base Outstanding Principal Balance shall be reduced by the amount of the Grant Account Deposits. In no event shall the Base Outstanding Principal Balance exceed$8,500,000.00,plus Lender Fees,to the extent that such Lender Fees have been incurred in the absence of a Loan Default. Base Purchase Price shall mean the sum of: (a) the Base Rate Accrued Interest; and (b) the Base Outstanding Principal Balance. Base Rate Accrued Interest shall mean all interest on the Base Outstanding Principal Balance that has accrued at the Loan Rate, and remains unpaid, as of the Loan Purchase Date. Borrower Loan Account shall mean the"Borrower Loan Account"defined in,and established pursuant to, the Loan Agreement. Borrower Loan Account Disbursement shall mean the disbursement and deposit by Lender of proceeds of the Loan into the Borrower Loan Account in accordance with the terms and conditions of the Loan Agreement. The Borrower Loan Account Disbursement is the"Borrower Loan Account Disbursement"under the Loan Agreement. Borrower Loan Default shall mean a Loan Default caused by the failure by Borrower to observe or perform any obligation under the Loan Documents. City shall mean the City of Carmel, Indiana. Collateral Assignment shall mean that certain Collateral Assignment and Security Agreement of even date herewith executed by and among Borrower, Lender, and CRC. Concert Hall shall mean a world-class concert hall located on that certain real estate depicted on'Exhibit A to the Loan Agreement. Concert Hall Completion Costs shall mean the actual,out-of-pocket costs incurred by Borrower to complete the construction of the Concert Hall. CRC Tri-Party Default shall mean a failure by CRC to observe or perform any obligation to be observed or performed by it hereunder, and the continuance of such failure beyond any applicable cure period. A CRC Tri-Party Default shall constitute a Loan Default. Cure Notice shall mean a written notice pursuant to which CRC notifies Lender that CRC has elected to cure a default by Borrower that,upon the expiration of applicable cure periods,would constitute a Borrower Loan Default. Debt Service shall mean regular(non-default)monthly payments of interest and/or principal due and payable to Lender pursuant to the Loan Agreement and the Note. Default Rate shall have the meaning set forth in the Loan Agreement. Event of Default shall have the meaning set forth in the Loan Agreement. Grant Account shall mean the"Grant Account"defined in,and established pursuant to,the Loan Agreement. Grant Account Deposits shall mean all funds on deposit in the Grant Account(including interest that has accrued on such funds and remains in the Grant Account). Grant Agreement shall mean the Grant Agreement of even date herewith executed by and between CRC and Borrower with respect to the Loan. !SBA Audit Report shall mean, with respect to a calendar year, the final audit report of the Indiana State Board of Accounts. Laws shall mean all applicable federal,state,or local laws,statutes,ordinances,rules,or regulations,or any orders or decrees of any court, agency,or regulatory body. Lender Fees shall mean regular(non-default)lender fees,costs,and expenses due and payable by Borrower to Lender under the Loan Documents,including,without limitation,costs and expenses:(a)to close the Loan; and (b)that, under the terms and conditions of the Loan Documents, expressly constitute Lender Fees. Loan shall mean a loan from Lender to Borrower made to finance the payment of Aggregate Costs, which loan is in the original principal amount of$8,500,000.00. Loan Agreement shall mean that certain Loan Agreement of even date herewith executed by and between Lender and Borrower. Loan Default shall mean:(a)an"Event of Default"under any of the Loan Documents;provided that,if"Event of Default"is not a defined term in any Loan Document,then,with respect to such Loan Document,there shall Z:\Documents\Shoup,Jenny\City of Canncl\Lake City Bank Uri Party Agreement\Tri-Parry Agrcoment.v2a.wpd -2- 231u110 be a Loan Default if Borrower is in default thereunder beyond any applicable notice or cure periods; or(b)a CRC Tri-Party Default. Loan Default Notice shall mean a written notice pursuant to which Lender notifies CRC that a Loan Default exists. Loan Documents shall mean the documents evidencing and/or securing the Loan,including,specifically,the Loan Agreement, the Note, and the Collateral Assignment. Loan Interests shall mean:(a)the Loan;(b)the Loan Documents;(c)the collateral assignments and security interests granted in the Collateral Assignment; and (d) all rights and interests of Lender with respect to the Loan and under the Loan Documents,including,specifically,the right to:(I)enforce the terms and conditions of the Loan Documents; (ii) collect the Accrued Interest and the Outstanding Principal Balance; and (iii)exercise all rights and remedies afforded by the Laws to secured lenders with respect to security interests. Loan Interests Closing shall mean the closing with respect to the purchase by CRC of the Loan interests. Loan Purchase Date shall mean the date on which the Loan Interests Closing occurs. Loan Purchase Price shall mean the Base Purchase Price or the Adjusted Purchase Price, as applicable. Loan Rate shall mean the regular(non-default)rate of interest accruing on the Outstanding Principal Balance pursuant to the Loan Documents. Maturity Date shall mean the date on which the Outstanding Principal Balance is scheduled to become due in full pursuant to the Note. Note shall mean that certain Promissory Note of even date herewith executed by Borrower in favor of Lender and evidencing the Loan. Outside Closing Date shall mean,with respect to the Loan Interests Closing,the date that is 15 days after Lender delivers the Put Exercise Notice;provided that,in the case of an exercise of the Put Option as a result of a Borrower Loan Default,the Outside Closing Date shall mean the date that is 15 days after the expiration of the Standstill Period. Outstanding Principal Balance shall mean the Base Outstanding Principal Balance or the Adjusted Outstanding Principal Balance, as applicable. Put Exercise Notice shall mean a written notice pursuant to which Lender notifies CRC that Lender is exercising the Put Option. Put Option shall mean the option (but not the obligation) of Lender to require CRC to purchase the Loan Interests from Lender for the Base Purchase Price,except to the extent that Subsection 2(c)(iii)is applicable. Standstill Period shall mean the period: (a) commencing upon delivery of a Loan Default Notice; and (b)ending on the last to occur of the date:(i)that is 30 days after delivery of the Loan Default Notice to CRC; or (ii) of the expiration of the cure period provided to CRC in Section 5. Notwithstanding the foregoing, if Lender has exercised the Put Option, then the Standstill Period shall end on the first to occur of the date: (a)determined pursuant to clause(b)of the prior sentence;or(b)on which the Loan Interests Closing occurs; provided that,if,due to a failure of Lender,the Loan Interests Closing does not occur on or before the Outside Closing Date, then the Standstill Period shall be extended until the Loan Interests Closing occurs. Z:\Documents\Shoup,Jenny:City of Carmct\Lake City Bank\Tri Party 23Ju i0 Aereement■Tri-Party Agreemcnt.v2a.wpd -3- 2. Put Option. .(a) Put Option. If there is a Loan Default,then the Put Option shall apply. As provided in the definition of Put Option,the Base Purchase Price shall apply,except in the event that Subsection 2(c)(ili)is applicable. (b) Exercise. (1) Lender shall deliver a Loan Default Notice to CRC concurrently with any notice provided to Borrower with respect to the Loan Default; provided that, if Lender: (A) is not obligated to (or otherwise does not) provide any such notice to Borrower;and(B)intends to exercise any of its remedies with respect to such Loan Default; then Lender shall deliver a Loan Default Notice to CRC prior to exercising any such remedies. (ii) If Lender delivers a Loan Default Notice to CRC, then, at any time after delivery thereof, Lender may exercise the Put Option by delivering a Put Exercise Notice to CRC; provided that, notwithstanding anything to the contrary set forth herein: (A) if: (1) the underlying Loan Default is a Borrower Loan Default; and (2) prior to the last to occur of the date: (aa)that is 30 days after delivery of the Loan Default Notice to CRC;or(bb)on which the Standstill Period expires;the Loan Default is cured; or (B) if: (1) the underlying Loan Default is a CRC Tri-Party Default; and (2) prior to the last to occur of the date: (aa)that is 30 days after delivery of the Loan Default Notice to CRC; or(bb)on which the cure period provided to CRC in Section 5 expires; the Loan Default is cured: then: (A) the exercise by Lender of the Put Option shall be deemed to be rescinded and of no further force or effect; and (B) neither the Outside Closing Date nor any other term or condition of Subsection 2(c)shall apply. (iii) Notwithstanding anything to the contrary set forth herein or in the Loan Documents, if, prior to the expiration of the Standstill Period, Lender delivers a Put Exercise Notice to CRC,then Lender shall not exercise any of its remedies or apply the Default Rate with respect to such Loan Default, unless,due to a failure of CRC,the Loan Interests Closing has not occurred as of the Outside Closing Date. (c) Closing. (i) if Lender exercises the Put Option,then the Loan Interests Closing shall occur on or before the date that is 15 days after Lender delivers the Put Exercise Notice to CRC;provided that,in the case of an exercise of the Put Option as a result of a Borrower Loan Default (and not a CRC Tri-Party Default), the Loan Interests Closing shall not occur until the date that is 15 days after the expiration of the Standstill Period. (ii) At the Loan Interests Closing:(A)CRC shall pay the Loan Purchase Price to Lender; and (B) Lender shall assign the Loan Interests to CRC Z:\Documents\Shoup.lenny\City of Carmel'\L.ake City Bank\Tri Party 231u110 Agrccmcnt\Tri-Party Agreement.v2a.wpd -4- pursuant to assignment documents that:(1)are adequate to vest the Loan Interests in CRC free and clear of the rights or interests of any other party; (2)contain certifications by Lender to the effect that Lender is not: (aa) in default under this Agreement(including,without limitation,that Lender is in compliance with the terms and conditions of Section 3); and (bb)aware of any defenses or offsets of Borrower to: (i) enforcement by CRC, as assignee of Lender, of the Loan Documents; (ii) collection by CRC, as assignee of Lender, of any amounts due from Borrower under the Loan Documents; and/or (iii) exercise by CRC, as assignee of Lender, of the rights and remedies afforded by the Laws to secured lenders with respect to security interests; and (3)otherwise reasonably are acceptable to CRC. (iii) Notwithstanding anything to the contrary set forth herein,if:(A)the applicable Loan Purchase Price is the Base Purchase Price;and(B)due to a failure of CRC,the Loan Interests Closing does not occur on or before the Outside Closing Date; then the applicable Loan Purchase Price automatically shall become the Adjusted Purchase Price. 3. Prohibitions. In each case, subject to the terms and conditions of this Agreement: (a) In the case of a Borrower Loan Default,Lender shall not accelerate the Maturity Date or the payment of all or any portion of the Outstanding Principal Balance, unless and until Lender has complied with the terms and conditions of Section 5 and either:(i)CRC does not elect to cure the applicable default by Borrower within the time permitted pursuant to Section 5; or (ii) CRC: (A)timely elects to cure such default by Borrower; but (B) does not complete the foregoing within the time permitted pursuant to Section 5. (b) Lender shall not: (i) require payments by Borrower of all or any portion of the Outstanding Principal Balance, except: (A) in accordance with the terms and conditions of the Note with respect to regular payments of principal and interest; (B)when Lender would be entitled under Subsection 3(a)to accelerate the Maturity Date;or(C)on the Maturity Date; or (ii) condition acceptance of a prepayment upon receipt of a prepayment premium or penalty, except in accordance with the terms and conditions of the Loan Documents. (c) Lender shall not modify,amend,or revise any of the Loan Documents to:(i)increase the default rate of interest to an amount that exceeds the Loan Rate plus 4%; (ii)increase the Loan Rate; (iii) change the terms with respect to payment or prepayment of the Outstanding Principal Balance; (iv) increase or materially change Borrower's obligations under the Loan Documents;or(v)decrease or materially change Borrower's rights under the Loan Documents;provided that,notwithstanding the foregoing,the parties agree that Lender may modify, amend,or revise any of the Loan Documents to the extent necessary to bring the Loan Documents into compliance with the Laws. (d) Lender shall not advance Loan proceeds in excess of:(i)$8,500,000.00;plus(ii)the amount of the Lender Fees; provided that, if the Loan Purchase Price has become the Adjusted Loan Purchase Price as provided in Subsection 2(c)(iii),then Lender may advance additional Loan proceeds in accordance with the terms and conditions of the Loan Documents. Notwithstanding anything to the contrary set forth herein, when Lender Fees become due, Lender shall notify CRC and CRC shall have the option either to: (i) pay the amount of such Lender Fees directly to Lender(in which case such amount shall not become part of the Outstanding Principal Balance); or(ii) authorize Lender to disburse to itself the amount of such Lender Fees. (e) Lender shall not waive, release, delete, or compromise the terms or conditions of Z:'Documents%Shoup.Jenny!Cityof Carmelkake City BanklTri Party 23Jut10 Agreement\Tri-Party Agreement.v2a.wpd -5- Subsections 9(a),9(c), 10(g), 10(h), 10(i), 10(j), 10(1),and/or 10(m) of the Loan Agreement (or any of the corresponding Subsections in any other Loan Document)or waive or release an Event of Default under any of the foregoing Subsections (or any of the corresponding Subsections in any other Loan Document). (f) Lender shall not waive, release,delete,or compromise the obligations of Borrower to pay the Accrued Interest or the Outstanding Principal Balance, except: (i) in compliance with the terms and conditions of this Agreement;or(ii)if the Loan Purchase Price is reduced commensurately. (g) Lender shall not consent to Borrower directly or indirectly selling, transferring, assigning,conveying,pledging,or otherwise delegating or disposing of its interests in or to, its rights to or under, or its obligations under or for, the Loan or the Loan Documents. (h) Lender shall not modify, amend, or revise any of the Loan Documents (or waive, release,delete,or compromise the rights and remedies of Lender thereunder)so that,if the Loan Interests were assigned to CRC,the Loan Documents would not provide to CRC, as assignee,the right to:(i)collect the Accrued Interest and the Outstanding Principal Balance; and(ii)exercise all rights and remedies afforded by the Laws to secured lenders with respect to security interests. (i) Lender shall not modify,amend,or revise any of the Loan Documents to: (i)expand or enlarge the categories or types of costs,expenses,fees,or charges that may be incurred by Lender or charged to Borrower; or (ii) otherwise add to or supplement such costs, expenses,fees, or charges. (j) Lender shall not directly or indirectly sell, transfer, assign, convey, pledge, or otherwise delegate or dispose of its interests in or to,or its rights to or under,any of the Loan Interests,except subjectto the terms and conditions of this Agreement and the rights of CRC hereunder. 4. CRC Covenants. CRC acknowledges and agrees that, until the Loan has been repaid in full, CRC at all times shall comply with the following covenants and agreements: (a) CRC shall comply with all Laws in the performance of its obligations under this Agreement. (b) Within 15 days after receipt thereof, CRC shall furnish the ISBA Audit Report to Lender. (c) As soon as reasonably is practicable after receipt of written request from Lender from time to time,CRC shall provide such other information with respect to CRC's operations as Lender reasonably may request. (d) If: (i) any proceeding, inquiry, or investigation is pending or threatened against CRC or any property of CRC, an adverse decision with respect to which would materially and adversely affect the ability of CRC to perform its obligations under this Agreement; or (ii) there is any material adverse change to the business, operations, or financial condition of CRC that will have a material and adverse affect on the ability of CRC to perform its obligations under this Agreement; 2:1Documents\Shoup,Jcnny\City of CarmellL.alte City Bank\Tri Patty 23Jul10 Agreement\Tri-Parry Agreement.v2a.wpd -6- then CRC shall:(I)notify Lender promptly in writing;(ii)prepare and submit to Lender for its reasonable approval a written plan for addressing and/or responding to such proceeding, inquiry, investigation, or material adverse change;and (iii)address and/or respond to such proceeding, inquiry, investigation, or material adverse change in accordance with the plan approved by Lender. (e) CRC shall take all actions necessary to maintain the truth and accuracy in all respects of all representations and warranties made by CRC in this Agreement. 5. CRC Cure Right. (a) Notices. Lender shall provide to CRC copies of all notices of defaults delivered to Borrower pursuant to the Loan Documents,which copies shall be delivered simultaneously with the notice delivered to Borrower; provided that, if no notice of default is required to be delivered to Borrower prior to a default becoming a Loan Default,then,prior to exercising any of its remedies under the Loan Documents or applying the Default Rate with respect to the default, Lender shall deliver written notice to CRC. (b) Default. If such notice is for a default that, upon the expiration of applicable cure periods, will constitute a Borrower Loan Default (as opposed to a CRC Tri-Party Default), then CRC shall have the option (but not the obligation)to cure such default; provided that, to exercise such option,CRC shall deliver a Cure Notice to Lender on or before the date that is 30 days after CRC receives notice from Lender of the existence of such default. If CRC timely elects to cure the default, then CRC shall effectuate the cure within 30 days after delivery of the Cure Notice; provided that, if such default is of a nature that it reasonably cannot be cured within 30 days,then,so long as CRC commences the cure within the 30 day period,the period for completing the cure shall be extended for as long as CRC diligently is pursuing such completion, which extension shall not exceed a period of 90 days. (c) Standstill. Notwithstanding anything to the contrary set forth in the Loan Documents, until the expiration of the Standstill Period, Lender shall not exercise any of its remedies under the Loan Documents or apply the Default Rate with respect to any default that, upon the expiration of applicable cure periods,will constitute a Borrower Loan Default(as opposed to a CRC Tri-Party Default). If CRC cures a default by Borrower pursuant to this Section, then: (i)Lender shall accept such cure by CRC as a cure by Borrower; (ii) Lender shall not exercise any of its remedies under the Loan Documents with respect to the default,as cured or addressed by CRC; and (iii)Borrower,immediately upon receipt of written demand,shall reimburse CRC for all costs and expenses incurred by CRC in connection with effectuating such cure. 6. Representations. (a) No Bankruptcy. Each of Borrower and CRC represents that no actions, whether voluntary or otherwise,are pending against it(and no petition has been filed by or on behalf of it) or any of its general partners, members, or controlling shareholders under the bankruptcy or insolvency laws of the United States or any state thereof. (b) CRC is,and shall continue to be,a redevelopment commission validly existing under the laws of the State of Indiana. (c) CRC has taken the necessary actions to authorize the execution and delivery of this Agreement,and no term or condition of this Agreement contravenes,or is in conflict with,any resolution of CRC. Z:\Documents\Shoup,Jenny\City of Carmel\Lake City Bank\Tri Parry 23311110 Agreement\Tri-Parry Ageement.v2a.wpd -7- (d) This Agreement: (i) constitutes a legal, valid, and binding obligation of CRC; and (ii) is enforceable in accordance with its terms and conditions and the Laws. (e) None of the execution and delivery of, consummation of the transactions and borrowing contemplated in,or compliance with the terms and conditions of,this Agreement conflicts with,or constitutes a default under or a violation of:(i)any of the terms or conditions of any contract or other instrument to which CRC is a party; or(ii)any Law. (f) CRC is not in default in the performance, observance, or fulfillment of any of the terms or conditions of any contract or other instrument to which it is a party,or by which it Is bound, the result of which default would adversely affect the ability of CRC to perform its obligations under this Agreement. (g) All financial statements and other financial data that have been furnished to Lender by CRC: (i) are true, correct, and accurate in all material respects; and (ii) reflect fairly the financial condition of CRC. (h) CRC is not"insolvent"(as defined in Section 101 of the Federal Bankruptcy Code). (i) No filing or registration with any Agency is necessary in connection with: (i) the execution and delivery by CRC of this Agreement; or (ii) the performance by CRC of its obligations under this Agreement. Q) No proceeding, inquiry, or investigation is pending or, to the best of CRC's knowledge,threatened against,or affects,CRC or any property of CRC,an adverse decision with respect to which would adversely affect the ability of CRC to perform its obligations under this Agreement. 7. CRC Consent. CRC: (a) consents to the collateral assignment of the Grant Agreement to Lender as security for the Loan; (b)agrees to execute such documents as Lender reasonably may require to effect or confirm:(i)such collateral assignment;and(ii)the security interest of Lender in the Grant Agreement;and (c)agrees that,pursuant to the Collateral Assignment,Lender shall have the right,as if Lender were in direct privity with CRC,to enforce the obligations of CRC under the Grant Agreement until the first to occur of the date on which: (i)the Loan is repaid in full; or(ii) CRC purchases the Loan Interests. 8. Liability Statement. The Loan:(a)is not a loan to,or indebtedness of,CRC;and(b)is a loan to,and indebtedness of, Borrower(and not CRC). To induce Lender to make the Loan, CRC, in accordance with §IC 36-7-14, has agreed to undertake certain limited obligations under this Agreement. 9. Assignment. No party shall assign this Agreement,or its rights or obligations hereunder,without the prior written consent of each of the other parties; provided that: (a) without the prior written consent of Borrower or Lender,CRC may assign this Agreement to another agency or instrumentality of the City,of equal or superior creditworthiness and financial capacity to perform the obligations of CRC hereunder, as established to the reasonable satisfaction of Lender;and (b)without the prior written consent of Borrower or CRC,Lender may assign this Agreement to any successor to which all or a portion of the Loan Interests are assigned, so long as the assignment is subject to the terms and conditions of this Agreement and the rights of CRC hereunder. Notwithstanding any assignment permitted under this Section:(a)each party shall remain liable to perform all of the terms and conditions to be performed by it under this Agreement; and (b) the consent of the other parties with respect to an assignment shall not release the assigning party from such performance. 10. Deliveries. Each party shall execute and deliver such additional documents and instruments as reasonably may be required by the other parties to accomplish the purposes of this Agreement. • • Z:1Documents\Shoup,Jenny\City of Carmel'ake City Hank\Tri Parry 231u110 Agreement\Tri-Party Agreement.c2s,wpd -8p- 11. Indemnity. Each of Lender,Borrower,and CRC shall indemnify and hold harmless the other parties from and against any and all claims, liabilities, losses, damages, costs, and expenses (including, without limitation, reasonable attorneys'fees)arising from,or in connection with the breach by Lender,Borrower,or CRC, respectively, of any term or condition of this Agreement: 12. Notice. Any notice required or permitted to be given by either party to this Agreement shall be in writing, and shall be deemed to have been given when:(a)delivered in person to the other party;(b)sent by facsimile, with electronic confirmation of receipt; or (c) sent by national overnight delivery service, with confirmation of receipt, addressed as follows,to: (a)Lender at Two Meridian Plaza, Suite 300, 10401 North Meridian Street, Indianapolis, Indiana 46290-1113, Facsimile: 317-616-3642, Attention: Daniel J. Lee, with a copy to Jerimi J.Ullom,Hall Render,Killian,Heath&Lyman,One American Square,Suite 2000,Box 82064, Indianapolis, Indiana 46282, Facsimile: 317-633-4878; (b) Borrower at One Indiana Square, Suite 1500, Indianapolis, Indiana 46204, Facsimile: 317-231-9900,Attn: Ryan Wilmering,with a copy to 30 West Main Street,Suite 220,Carmel,Indiana 46032, Facsimile: 317-844-3498,Attn:Les Olds;and(c)CRC at 30 West Main Street, Suite 220, Carmel, Indiana 46032, Facsimile: 317-844-3498, Attn: Les Olds, with a copy to: Karl P. Haas, Esq., Wallack Somers & Haas, PC, One Indiana Square, Suite 1500, Indianapolis, Indiana 46204,Facsimile:317-231-9900. Any party may change its address for notice from time to time by delivering notice to the other parties as provided above. 13. Authority. Each undersigned person executing this Agreement on behalf of Lender, Borrower,and CRC represents and certifies that: (a) he or she is empowered, and has been authorized by all necessary action of Lender, Borrower,and CRC,respectively,to execute and deliver this Agreement;(b)he or she has full capacity, power, and authority to enter into and carry out this Agreement; and (c)the execution,delivery, and performance of this Agreement have been authorized by Lender, Borrower, and CRC, respectively. 14. Severability. If any one or more of the terms or conditions of this Agreement is determined to be invalid, then: (a) such invalidity shall not affect any other term or condition of this Agreement; and (b) this Agreement shall be construed as if such invalid term or condition had never existed. The invalidity of any term or condition of this Agreement in any jurisdiction shall not affect the validity of such term or condition in any other jurisdiction. 15. Applicable Law. The validity,construction, interpretation,and enforcement of this Agreement shall be governed by, and construed in accordance with, the laws of the State of Indiana, without regard to principles of conflicts of law. All actions or proceedings arising in connection with this Agreement shall be tried and litigated only in the state courts located in Marion County, Indiana, or the federal courts with venue that includes Marion County,Indiana. The parties waive,to the extent permitted under applicable law:(a)the right to a trial by jury; and (b) any right to assert the doctrine of"forum non conveniens"or to object to venue; in either case to the extent any proceeding is brought in accordance with this Section. 16. Miscellaneous. Subject to the terms and conditions of Section 9,this Agreement shall inure to the benefit of, and be binding upon, each of Lender, Borrower, and CRC, and their respective successors and assigns. If there is a conflict between the terms or conditions of this Agreement and any of the other Loan Documents, then the terms and conditions of this Agreement shall control. The captions used in this Agreement are for convenience only and are not to be construed as defining or limiting the terms and conditions of this Agreement. This Agreement constitutes the entire agreement among the parties with respect to the subject matter hereof,and may be modified,amended,or revised only by a written agreement signed by each of the parties. This Agreement may be executed in counterparts, each of which shall be an original, but all of which,when taken together, shall constitute the same agreement. • • Z:\Documents\Shoup,Jenny\City of Carmel\Lakc City Bank\Tri Party 2311)110 Agreement\Tri-Party Agreetnent,r2a.wpd -9.. IN WITNESS WHEREOF, Lender,Borrower,and CRC have executed this Agreement as of the date set forth above. LAKE TYB.4% fJ By: j ,, ((i/, �t Daniel J. Lee, Vic: President CARMEL CITY CENTER COMMUNITY DEVELOPM NT CORPORATION OK By: / Richer F. Tayl r I I, P.a-ident THE CITY OF CARMEL R EVEL�'t EN/T CON By: 4°- ,,/ Ro ald E. Carter, President Z:Documents\Shoup,Jenny\City of CarmelkLake City Bankvrti Party 22Ju110 Agrcement\Tri-Party Agreement.v2-wpd -10-