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North Commons - Appraisal.pdf    North Commons  October 31, 2019   Exhibit 3: Market Information 3.2 As Is Appraisal: Attached please find an appraisal from Newmark Knight Frank issued for the 33.8 acre land parcel North  of Ford Crossing which will be acquired by the to‐be‐formed Owner Entity of North Commons. As noted  in the appraisal, prior to acquisition, the City of Northampton will construct necessary infrastructure  improvements which will enable the North Commons project to proceed. The post‐completion valuation  of the land with infrastructure is anticipated to be $2,010,000, per the attached report, which supports  the $1,880,000 acquisition fee per the Land Disposition Agreement with MassDevelopment.   Vacant Land Parcel North of Ford Crossing Rd/Orlander Dr. Northampton, Hampshire County, MA 10060 NKF Job No.: 19-0008781 Appraisal Report Prepared For: Ms. Rachana Crowley The Community Builders 31 Trumbull Road Northampton, MA 01060 RCrowley@tcbinc.org Prepared By: Newmark Knight Frank Valuation & Advisory, LLC 2410 North Forest Road, Suite 204 Amherst, New York 14068 Newmark Knight Frank 2410 North Forest Road, Suite 204 Amherst, New York 14068 www.ngkf.com October 31, 2019 Ms. Rachana Crowley The Community Builders 31 Trumbull Road Northampton, MA 01060 RCrowley@tcbinc.org RE: Appraisal of a vacant land parcel located North of Ford Crossing Road and Olander Drive by Newmark Knight Frank Valuation & Advisory, LLC (herein “Firm” or “NKF”) NKF Job No.: 19-0008781 Dear Ms. Crowley: Newmark Knight Frank Valuation and Advisory, LLC (herein “Firm” or “NKF”) has developed an appraisal of the referenced property and the results are presented in the following Real Estate Appraisal Report. The subject of this appraisal assignment includes a site that is part of the Village Hill Development; a planned development that includes a mix of housing, and commercial/community service development. Specifically, this part of the project includes what is identified as parcels A/D and E (on the maps presented, it is important to note that only these parcels are considered in the analysis). Only A will be developed; a total of 4.88 Acres that will be constructed with a total of 53 multi-family units targeting a mixed income population. Parcel D (north of the A development parcel) has 18.5 Acres, and E (East of the development parcel) with 10.42 Acres. These parts of the development will be retained as conservation land and will not be developed. The site is vacant but is development ready. It is part of the Planned development district and the zoning is PV. Approvals are in place for the units and infrastructure is ready for the development to be initiated but there is infrastructure required for access. The parcel is under a Land Disposition Agreement to be sold from Hospital Hill Development, LLC to The Community Builders, Inc. for $1,900,000 which includes part of a separate development parcel; the amount allocated to the land to be part of this development is $1,880,000. This agreement includes other land being developed. October 31, 2019 Ms. Rachana Crowley Vacant Land Parcel Key Value Considerations Strengths Desirable location within a Planned development near the area colleges. Proximity to commercial needs/necessities. Zoning and infrastructure for utilities in place Risk Factors Median income and rent limitations Limited development activity evident in the region Based on the anaysis contained in the following report, the opinion of value for the subject is: Value Conclusion Appraisal Premise Interest Appraised Date of Value Value Conclusion Market Value "As Is" Fee Simple 10/21/2019 $1,060,000 Completed by NKF The report has been prepared for the client in conjunction with an application for LIHTC, and can be relied upon by DHCD. The value above accounts for the current market value of the vacant site. This is to be used for the development of apartment units, and there will be infrastructure development and costs being implemented to allow for access/use and ingress/egress. The total cost for infrastructure that will be implemented by the City and TCB is $661,200 (see details in the addendum). It is anticipated that this will be in place by June of 2020. At that time it can be assumed that the value of the development parcel (land and infrastructure) will be: Market value of the land/site: $1,060,000 Cost of infrastructure/construction: $661,200 Soft Costs of infrastructure: $288,717 Total as of 6/2020*: $2,010,000 *Assuming completion of all infrastructure as anticipated by this date. The costs were issued by the developer. Hard costs are in the addendum. Soft costs include Design, Bidding, permitting, Contingency and Admin. October 31, 2019 Ms. Rachana Crowley Vacant Land Parcel Hypothetical Conditions A hypothetical condition is defined in USPAP as a condition, directly related to a specific assignment, which is contrary to what is known by the appraiser to exist on the effective date of the assignment results, but is used for the purpose of analysis. The value conclusions are based on the following hypothetical conditions that may affect the assignment results. None The appraisal was developed based on, and this report has been prepared in conformance with the Client’s appraisal requirements, the guidelines and recommendations set forth in the Uniform Standards of Professional Appraisal Practice (USPAP), the requirements of the Code of Professional Ethics and Standards of Professional Appraisal Practice of the Appraisal Institute, Title XI of the Financial Institution Reform, Recovery and Enforcement Act (FIRREA) of 1989, and the Interagency Appraisal and Evaluation Guidelines (December 2, 2010). Certification Vacant Land Parcel Certification We certify that, to the best of our knowledge and belief: 1.The statements of fact contained in this report are true and correct. 2.The reported analyses, opinions, and conclusions are limited only by the reported assumptions and limiting conditions and are our personal, impartial and unbiased professional analyses, opinions, and conclusions. 3.We have no present or prospective interest in the property that is the subject of this report and no personal interest with respect to the parties involved. 4.We have no bias with respect to the property that is the subject of this report or to the parties involved with this assignment. 5.Our engagement in this assignment was not contingent upon developing or reporting predetermined results. 6.Our compensation for completing this assignment is not contingent upon the development or reporting of a predetermined value or direction in value that favors the cause of the client, the amount of the value opinion, the attainment of a stipulated result, or the occurrence of a subsequent event directly related to the intended use of this appraisal. 7.This appraisal assignment was not based upon a requested minimum valuation, a specific valuation, or the approval of a loan. 8.Our analysis, opinions, and conclusions were developed, and this report has been prepared, in conformity with the requirements of the Code of Professional Ethics and Standards of Professional Appraisal Practice of the Appraisal Institute and conforms with the Uniform Standards of Professional Appraisal Practice (USPAP). 9.The reported analyses, opinions, and conclusions were developed, and this report has been prepared, in conformity with the Code of Professional Ethics and Standards of Professional Appraisal Practice of the Appraisal Institute. 10.The use of this report is subject to the requirements of the Appraisal Institute relating to review by its duly authorized representatives. 11.As of the date of this report, M. Scott Allen, MAI has completed the continuing education program for Designated Members of the Appraisal Institute. 12.M. Scott Allen, MAI is a State Certified Appraiser, in the State of Massachusetts. 13.M. Scott Allen toured the site in February of 2019 when prior market study work was completed on the land/site. 14.No one has provided significant real property appraisal assistance to the person(s) signing this report. Certification 4 Vacant Land Parcel 15.The Firm operates as an independent economic entity. Although employees of other service lines or affiliates of the Firm may be contacted as a part of our routine market research investigations, absolute client confidentiality and privacy were maintained at all times with regard to this assignment without conflict of interest. 16.Within this report, "Newmark Knight Frank", “NKF Valuation & Advisory”, “NKF, Inc.”, and similar forms of reference refer only to the appraiser(s) who have signed this certification and any persons noted above as having provided significant real property appraisal assistance to the persons signing this report. 17.The appraisers have not performed any services, as an appraiser or in any other capacity, regarding the property that is the subject of this report within the three-year period immediately preceding acceptance of this assignment. Value Conclusion Appraisal Premise Interest Appraised Date of Value Value Conclusion Market Value "As Is" Fee Simple 10/21/2019 $1,060,000 Completed by NKF The report has been prepared for the client in conjunction with an application for LIHTC, and can be relied upon by DHCD. The value above accounts for the current market value of the vacant site. This is to be used for the development of apartment units, and there will be infrastructure development and costs being implemented to allow for access/use and ingress/egress. The total cost for infrastructure that will be implemented by the City and TCB is $661,200 (see details in the addendum). It is anticipated that this will be in place by June of 2020. At that time it can be assumed that the value of the development parcel (land and infrastructure) will be: Market value of the land/site: $1,060,000 Cost of infrastructure/construction: $661,200 Soft Costs of infrastructure: $288,717 Total as of 6/2020*: $2,010,000 The costs were issued by the developer. Hard costs are in the addendum. Soft costs include Design, Bidding, permitting, Contingency and Admin. M. Scott Allen, MAI Executive Vice President Appraiser Mass Cert. #103369-RA-CG Email:scott.allen@ngkf.com Table of Contents Vacant Land Parcel Table of Contents Appraisal Transmittal and Certification Certification Table of Contents Subject Maps Subject Photographs Executive Summary 6 Introduction 7 Neighborhood Analysis 11 Land and Site Analysis 10 Zoning and Legal Restrictions 36 Real Estate Taxes 37 Highest and Best Use 38 Appraisal Methodology 39 Sales Comparison Approach 40 Price per Acre Conclusion 47 Reconciliation of Value 48 Assumptions and Limiting Conditions 50 Addenda Glossary of Terms Land Disposition Agreement Reciprocal Easement Probable Cost Engagement Letter Qualifications Subject Maps 5 Vacant Land Parcel Introduction 6 Vacant Land Parcel Executive Summary Property Type:Vacant Residential Land Street Address:Ford Crossing Road City, State & Zip:Northampton, Hampshire County, MA 01060 MSA Name:Springfield MSA Market Name:Hampshire Latitude:42.312029 Longitude:-72.647301 Census Tract:8219.03 Land Area:4.88 Useable Acres, 212,573 SF Zoning:PD Assessor's Parcel ID(s): Highest and Best Use - As Vacant:Multi-Family Analysis Details Valuation Date: Market Value "As Is"October 21, 2019 Inspection Date and Date of Photos: Report Date: Report Type: Client: Intended Use: Intended User: Appraisal Premise: Intended Use and User: Interest Appraised: Exposure Time (Marketing Period) Estimate: Site Characteristics Total Land Area (Gross):33.8 Acres Usable Land Area (Net):4.88 Acres Shape:Irregular Topography:Level Flood Zone:Zone X Flood Map / Date:2501670002A/April 3, 1978 Zoning PD; A Planned Development District Legally Conforming Yes Easements / Encroachments:Pending Access Easements Environmental Hazards:None Noted Compiled by NKF 12 Months (12 Months) The Community Builders February 18, 2019 None October 22, 2019 North Commons at Village Hill 13C-017-001 The intended use and user of our report are specifically identified in our report as agreed upon in our contract for services and/or reliance language found in the report. No other use or user of the report is permitted by any other party for any other purpose. Dissemination of this report by any party to non-client, non-intended users does not extend reliance to any other party and Newmark Knight Frank will not be responsible for unauthorized use of the report, its conclusions or contents used partially or in its entirety. Appraisal Report DACD Application The Community Builders & DACD Fee Simple Introduction 7 Vacant Land Parcel Introduction Ownership and Sales History The site is currently owned by Hospital Hill Development. There has been no recorded recent sale of the land. The land is under a “Land Disposition Agreement” to transfer from the current owner to The Community Builders. Some notes include: - Signed originally in August of 2017. - The price is $1,900,000 but this includes land that will be part of another development. The allocated amount to this site is currently $1,880,000 - The agreement shows a total of 26.4 acres for what is defined as parcel A. The developer has confirmed however that the parcel has now been classified as A/D and E for a total of 33.8 Acres. Only A which equals 4.88 acres will be developed. - There are requirements that the parcel be advanced as intended to accommodate a mixed income/affordable housing development; see the Agreement that will be provided in the addendum. Value Conclusions Appraisal Premise Interest Appraised Date of Value Value Conclusion Market Value "As Is"Fee Simple 10/21/2019 $1,060,000 Compiled by NKF Introduction 8 Vacant Land Parcel Intended Use and User The intended use and user of our report are specifically identified in our report as agreed upon in our contract for services and/or reliance language found in the report. No other use or user of the report is permitted by any other party for any other purpose. Dissemination of this report by any party to non-client, non-intended users does not extend reliance to any other party and Newmark Knight Frank will not be responsible for unauthorized use of the report, its conclusions or contents used partially or in its entirety. The intended use of the appraisal is to establish market value to be used with the requirements of the DHCD-LIHTC application. The Community Builders and Mass DHCD. Definition of Value Market value is defined as: “The most probable price which a property should bring in a competitive and open market under all conditions requisite to a fair sale, the buyer and seller each acting prudently and knowledgeably, and assuming the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: Buyer and seller are typically motivated; Both parties are well informed or well advised, and acting in what they consider their own best interests; A reasonable time is allowed for exposure in the open market; Payment is made in terms of cash in U.S. dollars or in terms of financial arrangements comparable thereto; and The price represents the normal consideration for the property sold unaffected by special or creative financing or sales concessions granted by anyone associated with the sale.” Source: Code of Federal Regulations, Title 12, Chapter I, Part 34.42[g]; also Interagency Appraisal and Evaluation Guidelines, Federal Register, 75 FR 77449, December 10, 2010, page 77472) Interest Appraised The appraisal is of the Fee Simple. Introduction 9 Vacant Land Parcel Appraisal Report This appraisal is presented in the form of an appraisal report, which is intended to comply with the reporting requirements set forth under Standards Rule 2-2(a) of USPAP. This report incorporates sufficient information regarding the data, reasoning and analysis that were used to develop the opinion of value in accordance with the intended use and user. Purpose of the Appraisal The purpose of the appraisal is to develop an opinion of the of the Fee Simple interest in the property. Scope of Work Extent to Which the Property is Identified Physical characteristics Legal characteristics Economic characteristics Extent to Which the Property is Inspected NKF inspected the subject property on February 18, 2019 as per the defined scope of work. Scott Allen made a personal inspection of the property that is the subject of this report. Type and Extent of the Data Researched Exposure and marking time; Neighborhood and land use trends; Demographic trends; Market trends relative to the subject property type; Physical characteristics of the site and applicable improvements; Flood zone status; Zoning requirements and compliance; Real estate tax data; Relevant applicable comparable data; and Investment rates Type and Extent of Analysis Applied We analyzed the property and market data gathered through the use of appropriate, relevant, and accepted market-derived methods and procedures. Further, we employed the appropriate and relevant approaches to value, and correlated and reconciled the results into an estimate of market value, as demonstrated within the appraisal report. Area Analysis 10 North Commons at Village Hill Northampton, MA Neighborhood Analysis The Village Hill development is a mixed-use residential and commercial planned development located to the south of the downtown core of the City of Northampton and Smith College. Specifically, the Village Hill District is located off the north side of Chapel Street/West Street near its intersection with Prince. It is the redevelopment of the former mental hospital which is integrating some of the existing historical buildings together with new construction to accommodate different development components. We will present a summarization of some of the development options within the Village Hill District later within this analysis. The area is about ¾ of a mile to a mile south/west of the main downtown area of Northampton, which is generally identified as the intersection of Main Street and Pleasant Street. The site is also less than a mile from Smith College which is just to the east, and near numerous recreational areas (predominately located along Mill River). In regards to the neighborhood boundaries, they are broadly defined as: • Prospect Street to the north • Old Springfield Road to the south • Florence Road to the west • Pleasant Street to the east. Surrounding property uses around the sites that are part of the development are other phases of the Village Hill Redevelopment Project. Broadly, some of the surrounding property uses that are general to the area include: Area Analysis 11 North Commons at Village Hill Northampton, MA Economic Analysis Area Analysis The subject property is located in Hampshire County which is part of the Springfield Metropolitan Statistical Area (MSA), Along with Hampden County. The Knowledge Corridor surrounding Springfield-Hartford is New England’s second most populous urban area with 1.9 million people. To the west of Hampshire County is Berkshire County and to the east is Worcester County. Hampshire County is the middle section of the Pioneer Valley, and the northern tip of the Hartford-Springfield Knowledge Corridor. Western New England's largest city, and Western Massachusetts' economic, civic, and recreational capital is Springfield. Springfield lies on the Connecticut River. Area Analysis 12 North Commons at Village Hill Northampton, MA Population: The population of the Springfield MSA shows a consistent growth rate of approximately one to two percent from 1990 to 2017. Hampshire County has historically grown at a larger rate than the MSA as a whole, growing t almost four percent in 2000 and 2010. The most recent population estimates indicate that this growth has slowed, with a population change of just 1.97% from 2010-2017. % Change % Change % Change 1990-2000 2000-2010 2010-2017 Massachusetts 6,016,425 6,349,097 5.53%6,547,629 3.13%6,789,319 3.69% % Change % Change % Change 1990-2000 2000-2010 2010-2017 Springfield MSA 602,880 608,478 0.93%621,570 2.15%630,385 1.42% % Change % Change % Change 1990-2000 2000-2010 2010-2017 Hampden County 456,341 456,263 -0.02%463,490 1.58%469,188 1.23% Hampshire County 146,540 152,215 3.87%158,080 3.85%161,197 1.97% % Change % Change % Change 1990-2000 2000-2010 2010-2017 Amherst town 35,244 34,884 -1.02%37,819 8.41%39,880 5.45% Northampton city 29,290 28,979 -1.06%28,549 -1.48%28,548 0.00% South Hadley town 16,676 17,179 3.02%17,514 1.95%17,737 1.27% Easthampton Town city 15,541 15,998 2.94%16,053 0.34%16,051 -0.01% Belchertown town 10,574 12,960 22.56%14,649 13.03%14,906 1.75% *2013-2017 ACS 5-Year Estimates 2017* 2017* 2017* 2017* 2010 2010Cities 1990 2000 2010 1990 2000 2010MSA County 1990 2000 1990 2000 Population Trends Region Area Analysis 13 North Commons at Village Hill Northampton, MA UMDI Region COUNTY MCD Name Census 2010 Projection 2015 Projection 2020 Projection 2025 Projection 2030 Projection 2035 Lower Pioneer Valley Hampden AGAWAM 28,438 28,741 28,956 29,172 29,259 29,151 Lower Pioneer Valley Hampshire AMHERST 37,819 36,701 35,769 35,203 34,783 34,675 Lower Pioneer Valley Hampshire BELCHERTOWN 14,649 15,576 16,514 17,393 18,133 18,713 Lower Pioneer Valley Hampden CHICOPEE 55,298 56,514 57,815 59,157 60,333 61,325 Lower Pioneer Valley Hampden EAST 15,720 16,627 17,544 18,504 19,609 20,794 Lower Pioneer Valley Hampshire EASTHAMPTON 16,053 16,304 16,481 16,574 16,509 16,269 Lower Pioneer Valley Hampshire GRANBY 6,240 6,279 6,323 6,346 6,325 6,252 Lower Pioneer Valley Hampshire HADLEY 5,250 5,553 5,850 6,131 6,381 6,595 Lower Pioneer Valley Hampden HAMPDEN 5,139 5,069 4,951 4,776 4,550 4,281 Lower Pioneer Valley Hampshire HATFIELD 3,279 3,286 3,284 3,267 3,226 3,149 Lower Pioneer Valley Hampden HOLYOKE 39,880 40,588 41,228 41,952 42,660 43,211 Lower Pioneer Valley Hampshire HUNTINGTON 2,180 2,173 2,160 2,140 2,087 2,000 Lower Pioneer Valley Hampden LONGMEADOW 15,784 15,554 15,383 15,272 15,363 15,661 Lower Pioneer Valley Hampden LUDLOW 21,103 21,026 20,931 20,770 20,495 20,095 Lower Pioneer Valley Hampden MONSON 8,560 8,677 8,804 8,897 8,912 8,839 Lower Pioneer Valley Hampden MONTGOMERY 838 937 1,035 1,131 1,217 1,292 Lower Pioneer Valley Hampshire NORTHAMPTON 28,549 28,548 28,702 28,768 28,481 27,784 Lower Pioneer Valley Hampden PALMER 12,140 12,198 12,245 12,246 12,136 11,936 Lower Pioneer Valley Hampden RUSSELL 1,775 1,810 1,852 1,896 1,951 1,998 Lower Pioneer Valley Hampshire SOUTH HADLEY 17,514 17,673 17,967 18,169 18,273 18,363 Lower Pioneer Valley Hampshire SOUTHAMPTON 5,792 6,024 6,229 6,401 6,493 6,512 Lower Pioneer Valley Hampden SOUTHWICK 9,502 9,789 10,056 10,262 10,377 10,397 Lower Pioneer Valley Hampden SPRINGFIELD 153,060 155,922 159,235 162,900 166,650 169,791 Lower Pioneer Valley Franklin SUNDERLAND 3,684 3,543 3,408 3,265 3,124 2,973 Lower Pioneer Valley Hampshire WARE 9,872 9,967 10,064 10,129 10,067 9,919 Lower Pioneer Valley Hampden WEST SPRINGFIELD 28,391 28,992 29,581 30,160 30,649 31,045 Lower Pioneer Valley Hampden WESTFIELD 41,094 41,599 42,251 42,896 43,255 43,260 Lower Pioneer Valley Hampden WILBRAHAM 14,219 14,519 14,858 15,257 15,776 16,348 Lower Pioneer Valley Hampshire WILLIAMSBURG 2,482 2,491 2,488 2,471 2,432 2,352 Umass Donahue Institute Population Projections - March 2015 - MCD Area Analysis 14 North Commons at Village Hill Northampton, MA COUNTY Census 2010 Projection 2015 Projection 2020 Projection 2025 Projection 2030 Projection 2035 Barnstable 215,888 215,073 205,411 198,550 192,894 187,674 Berkshire 131,219 129,450 129,692 129,992 130,446 130,389 Bristol 548,285 557,690 563,618 568,691 572,196 573,960 Dukes 16,535 17,291 17,305 17,604 17,972 18,453 Essex 743,159 783,531 798,824 813,666 824,650 831,063 Franklin 71,372 70,498 70,703 70,832 70,586 69,882 Hampden 463,490 471,163 479,431 487,931 495,749 501,718 Hampshire 158,080 158,855 160,077 161,158 161,277 160,451 Middlesex 1,503,085 1,577,277 1,611,789 1,645,167 1,673,074 1,694,670 Nantucket 10,172 10,667 10,678 10,895 11,371 12,004 Norfolk 670,850 705,106 729,296 752,774 771,889 786,274 Plymouth 494,919 508,861 519,998 530,225 538,676 544,388 Suffolk 722,023 764,433 809,433 853,702 888,796 914,644 Worcester 798,552 822,696 844,413 864,691 881,550 893,899 Umass Donahue Institute Population Projections - MCD UMDI Region Census 2010 Projection 2015 Projection 2020 Projection 2025 Projection 2030 Projection 2035 Berkshire and Franklin 236,058 233,933 235,525 237,166 238,415 238,596 Cape and Islands 242,595 243,031 233,394 227,049 222,237 218,131 Central 693,813 709,911 726,844 741,499 753,049 760,508 Greater Boston 1,975,155 2,085,049 2,188,899 2,285,777 2,361,771 2,418,750 Lower Pioneer Valley 604,304 612,680 621,964 631,505 639,506 644,980 MetroWest 655,126 691,033 699,529 711,926 724,514 734,887 Northeast 1,031,733 1,084,149 1,094,180 1,104,909 1,113,547 1,118,267 Southeast 1,108,845 1,132,805 1,150,333 1,166,047 1,178,087 1,185,350 Umass Donahue Institute Population Projections - MCD Area Analysis 15 North Commons at Village Hill Northampton, MA Employment Data The charts below outline the labor force and employment data for the County of Hampshire. Historically, unemployment peaked at 7.0% in 2010 likely due to the recessionary climate; the rate has since been decreasing annually with the most recent annual data of 3.4% in 2017 being a decrease from the rate of 3.6% in 2016. Year to date the rate has decreased from 2.6% in December 2017 to 2.4% in December 2018. In terms of employed people, there has been a steady increase annually since the low of 79,500 in 2010. As of December 2018, there were 90,400 Employed. Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Ann Avg 2018 3.4%3.5%3.4%2.9%3.0%3.9%3.9%3.3%2.9%2.5%2.2%2.4%3.1% 2017 4.1%3.9%3.9%3.3%3.4%4.0%4.1%3.5%3.1%2.7%2.6%2.6%3.4% 2016 4.4%4.1%3.9%3.4%3.6%4.2%4.1%3.6%3.3%3.0%2.9%3.0%3.6% 2015 5.4%4.8%4.7%4.3%4.5%5.1%5.1%4.4%4.3%3.8%3.9%3.8%4.5% 2014 6.2%5.8%5.6%5.0%5.2%5.9%5.8%5.1%5.1%4.6%4.6%4.4%5.3% 2013 6.8%6.2%5.9%5.8%6.2%7.1%6.7%6.1%5.9%5.5%5.3%5.3%6.1% 2012 6.4%6.0%5.4%5.2%5.3%6.5%6.6%5.9%5.8%5.5%5.5%5.7%5.8% 2011 7.2%6.5%6.1%6.0%5.9%7.0%6.9%6.1%6.0%5.5%5.4%5.5%6.2% 2010 8.0%7.3%7.0%6.5%6.7%7.8%7.8%7.0%7.0%6.2%6.5%6.6%7.0% 2009 6.2%6.1%5.7%5.3%5.9%7.1%7.4%6.8%7.1%6.5%6.7%6.7%6.4% 2008 4.6%4.1%4.0%3.6%4.2%5.1%5.2%4.7%4.7%4.4%4.9%5.1%4.5% 2007 4.7%4.3%3.9%3.6%3.7%4.5%4.4%3.6%3.7%3.3%3.3%3.5%3.9% Unemployment Rate - Hampshire County Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Ann Avg 2018 85.0 86.9 87.7 88.5 88.7 88.9 88.6 88.7 89.0 89.8 90.3 90.4 88.5 2017 84.0 85.2 85.7 86.0 85.4 85.6 85.1 85.1 85.2 85.9 86.5 86.1 85.5 2016 83.2 84.3 84.8 85.0 84.4 84.6 84.4 84.6 84.5 85.4 85.8 85.5 84.7 2015 82.6 83.7 83.7 84.0 83.6 83.8 82.8 82.9 82.3 83.6 83.8 83.7 83.4 2014 80.3 81.2 81.9 82.6 82.2 82.4 82.2 82.6 82.0 83.6 83.7 83.7 82.4 2013 78.9 79.7 80.1 80.7 80.3 80.2 79.7 79.8 80.2 80.5 80.9 81.1 80.2 2012 78.6 79.5 80.4 81.0 80.9 81.1 79.6 79.7 80.1 81.1 80.8 80.4 80.3 2011 78.5 79.2 79.7 79.9 79.8 80.1 79.1 79.4 79.6 80.4 80.1 80.0 79.7 2010 77.6 78.4 79.0 79.9 79.8 79.9 79.5 79.5 79.3 80.3 80.3 80.0 79.5 2009 80.4 83.2 83.4 83.9 83.4 80.3 79.4 79.1 80.8 82.8 83.0 81.8 81.8 2008 82.2 85.2 85.9 86.4 85.9 82.8 81.8 81.5 83.9 86.2 85.9 85.0 84.4 2007 82.7 85.6 86.2 86.1 86.2 83.4 82.3 82.0 84.4 86.5 87.0 86.1 84.9 Data in Thousands Source: BLS.gov (Updated 10/21/2019) Employment - Hampshire County Area Analysis 16 North Commons at Village Hill Northampton, MA Outlined below and on the following page are wages broken down by industry for the County of Hampshire for the 2nd quarter of 2018 (most current available). Apr-18 May-18 Jun-18 Total, All Industries 4,609 49,030 49,459 49,384 $541,342,430 49,291 $845 Goods-Producing 570 4,730 4,897 5,102 $68,236,137 4,910 $1,069 Natural Resources and Mining 44 412 435 498 $3,210,575 448 $551 11 - Agriculture, Forestry, Fishing and Hunting 37 373 397 459 $2,745,584 410 $515 21 - Mining, Quarrying, and Oil and Gas Extraction 7 39 38 39 $464,992 39 $917 Construction 405 1,993 2,118 2,214 $28,820,166 2,108 $1,052 23 - Construction 405 1,993 2,118 2,214 $28,820,166 2,108 $1,052 Manufacturing 121 2,325 2,344 2,390 $36,205,396 2,353 $1,184 31-33 - Manufacturing 121 2,325 2,344 2,390 $36,205,396 2,353 $1,184 DUR - Durable Goods Manufacturing 73 1,342 1,348 1,378 $22,588,728 1,356 $1,281 NONDUR - Non-Durable Goods Manufacturing 48 983 996 1,012 $13,616,668 997 $1,051 Service-Providing 4,039 44,300 44,562 44,282 $473,106,293 44,381 $820 Trade, Transportation and Utilities 701 10,880 10,956 10,970 $125,805,053 10,935 $885 22 - Utilities 6 103 103 103 $2,952,077 103 $2,205 42 - Wholesale Trade 142 2,648 2,654 2,714 $61,496,593 2,672 $1,770 44-45 - Retail Trade 490 7,316 7,363 7,339 $54,213,127 7,339 $568 48-49 - Transportation and Warehousing 63 813 836 814 $7,143,257 821 $669 Information 88 713 752 713 $9,728,964 726 $1,031 51 - Information 88 713 752 713 $9,728,964 726 $1,031 Financial Activities 258 1,842 1,858 1,872 $24,720,374 1,857 $1,024 52 - Finance and Insurance 149 1,348 1,347 1,343 $20,013,596 1,346 $1,144 53 - Real Estate and Rental and Leasing 109 494 511 529 $4,706,778 511 $709 Professional and Business Services 706 4,478 4,478 4,578 $53,568,352 4,511 $913 54 - Professional and Technical Services 463 1,938 1,871 1,903 $30,381,437 1,904 $1,227 55 - Management of Companies and Enterprises 22 557 561 562 $6,712,415 560 $922 56 - Administrative and Waste Services 221 1,983 2,046 2,113 $16,474,500 2,047 $619 Education and Health Services 1,418 17,010 16,947 16,643 $204,853,304 16,867 $934 61 - Educational Services 139 6,679 6,620 6,351 $96,496,127 6,550 $1,133 62 - Health Care and Social Assistance 1,279 10,331 10,327 10,292 $108,357,177 10,317 $808 Leisure and Hospitality 476 7,294 7,472 7,330 $36,714,603 7,365 $383 71 - Arts, Entertainment, and Recreation 97 997 1,030 1,008 $4,880,552 1,012 $371 72 - Accommodation and Food Services 379 6,297 6,442 6,322 $31,834,051 6,354 $385 Other Services 392 2,083 2,099 2,176 $17,715,642 2,119 $643 81 - Other Services, Except Public Administration 392 2,083 2,099 2,176 $17,715,642 2,119 $643 Source Mass.gov (Updated 10/2019) Description Number of Employees Total Wages Avg Monthly Employment Avg Weekly Wages No. of Establishments Area Analysis 17 North Commons at Village Hill Northampton, MA Employment Forecasts – Hampshire County In regards to employment forecasts for the county WDA, we are able to provide some documentation from the Massachusetts Labor and Workforce Development website broken down by various trade groups. Industry Employment 2016 Employment 2026 Change % Change Total All Industries 101,115 106,813 5,698 5.60% Crop Production 814 898 84 10.30% Animal Production 131 152 21 16.00% Utilities 235 241 6 2.60% Construction 2,962 3,250 288 9.70% Construction of Buildings 781 868 87 11.10% Heavy and Civil Engineering Construction 122 131 9 7.40% Specialty Trade Contractors 2,059 2,251 192 9.30% Manufacturing 6,866 6,107 -759 -11.10% Food Manufacturing 401 426 25 6.20% Beverage and Tobacco Product Manufacturing 105 115 10 9.50% Paper Manufacturing 697 489 -208 -29.80% Plastics and Rubber Products Manufacturing 1,281 1,208 -73 -5.70% Fabricated Metal Product Manufacturing 1,492 1,412 -80 -5.40% Machinery Manufacturing 440 214 -226 -51.40% Computer and Electronic Product Manufacturing 425 366 -59 -13.90% Furniture and Related Product Manufacturing 156 125 -31 -19.90% Miscellaneous Manufacturing 727 670 -57 -7.80% Wholesale Trade 2,767 2,860 93 3.40% Merchant Wholesalers, Durable Goods 940 921 -19 -2.00% Merchant Wholesalers, Nondurable Goods 1,511 1,509 -2 -0.10% Wholesale Electronic Markets and Agents and Brokers 316 430 114 36.10% Retail Trade 11,088 11,270 182 1.60% Motor Vehicle and Parts Dealers 1,240 1,269 29 2.30% Furniture and Home Furnishings Stores 145 144 -1 -0.70% Building Material and Garden Equipment and Supplies Dealers 1,084 1,100 16 1.50% Food and Beverage Stores 3,718 3,793 75 2.00% Health and Personal Care Stores 592 595 3 0.50% Gasoline Stations 543 559 16 2.90% Sporting Goods, Hobby, Book, and Music Stores 505 447 -58 -11.50% General Merchandise Stores 1,539 1,565 26 1.70% Miscellaneous Store Retailers 771 769 -2 -0.30% Nonstore Retailers 403 441 38 9.40% Transportation and Warehousing 1,974 2,026 52 2.60% Source: Mass.gov (10/2019) Industry Projections for Franklin/Hampshire WDA Area Analysis 18 North Commons at Village Hill Northampton, MA Industry Employment 2016 Employment 2026 Change % Change Rail Transportation 205 209 4 2.00% Truck Transportation 340 340 0 0.00% Transit and Ground Passenger Transportation 815 850 35 4.30% Support Activities for Transportation 129 122 -7 -5.40% Couriers and Messengers 143 157 14 9.80% Information 1,117 1,026 -91 -8.10% Publishing Industries (except Internet)518 480 -38 -7.30% Motion Picture and Sound Recording Industries 126 120 -6 -4.80% Telecommunications 278 217 -61 -21.90% Other Information Services 102 108 6 5.90% Finance and Insurance 1,857 1,696 -161 -8.70% Credit Intermediation and Related Activities 1,268 1,177 -91 -7.20% Securities, Commodity Contracts, and Other Financial Investm 139 146 7 5.00% Insurance Carriers and Related Activities 450 373 -77 -17.10% Real Estate and Rental and Leasing 837 832 -5 -0.60% Real Estate 750 744 -6 -0.80% Professional, Scientific, and Technical Services 2,510 2,927 417 16.60% Professional, Scientific, and Technical Services 2,510 2,927 417 16.60% Management of Companies and Enterprises 1,131 1,197 66 5.80% Management of Companies and Enterprises 1,131 1,197 66 5.80% Administrative and Support and Waste Management and Remediat 2,376 2,208 -168 -7.10% Administrative and Support Services 2,155 1,959 -196 -9.10% Waste Management and Remediation Service 221 249 28 12.70% Educational Services 22,630 25,230 2,600 11.50% Educational Services 22,630 25,230 2,600 11.50% Health Care and Social Assistance 14,970 16,841 1,871 12.50% Ambulatory Health Care Services 4,653 5,394 741 15.90% Hospitals 2,516 2,584 68 2.70% Nursing and Residential Care Facilities 3,585 4,133 548 15.30% Social Assistance 4,216 4,730 514 12.20% Arts, Entertainment, and Recreation 1,741 1,795 54 3.10% Amusement, Gambling, and Recreation Industries 879 887 8 0.90% Accommodation and Food Services 8,594 9,097 503 5.90% Accommodation, including Hotels and Motels 637 684 47 7.40% Food Services and Drinking Places 7,957 8,413 456 5.70% Other Services (except Government)2,972 3,071 99 3.30% Repair and Maintenance 696 729 33 4.70% Personal and Laundry Services 798 839 41 5.10% Religious, Grantmaking, Civic, Professional, and Similar Org 1,313 1,334 21 1.60% Private Households 165 169 4 2.40% Source: Mass.gov (10/2019) Industry Projections for Franklin/Hampshire WDA Area Analysis 19 North Commons at Village Hill Northampton, MA Major Employers Below are the major employers in the Franklin/Hampshire WDA. The top four employers based on number of employees are in retail and education, another main industry consistent in the major employers is health care. Company Name City Number of Employees C & S Wholesale Grocers Inc Hatfield 1,000-4,999 Massachusetts University-Amh Amherst 1,000-4,999 Mt Holyoke College South Hadley 1,000-4,999 Smith College Northampton 1,000-4,999 Yankee Candle Co Inc South Deerfield 1,000-4,999 Amherst College Amherst 500-999 Cooley Dickinson Hospital Northampton 500-999 Delivery Express Amherst 500-999 LS Starrett Co Athol 500-999 Mt Holyoke College South Hadley 500-999 Pelican Products Inc South Deerfield 500-999 Seaman Warehouse Orange 500-999 US Veterans Medical Ctr Leeds 500-999 Yankee Candle Co South Deerfield 500-999 Athol Memorial Hospital Athol 250-499 Athol-Royalston School Dist Athol 250-499 Baystate Franklin Medical Ctr Greenfield 250-499 Berry Plastics Easthampton 250-499 C & S Wholesale Grocers Inc Hatfield 250-499 Cooley Dickinson Hosp Easthampton 250-499 COVERIS Advanced Coatings South Hadley 250-499 Deerfield Academy Deerfield 250-499 Farren Care Ctr Inc Turners Falls 250-499 Hampshire College Amherst 250-499 Mullins Center Amherst 250-499 Northfield Mt Hermon Mt Hermon 250-499 State Police Northampton 250-499 Source: Mass.gov (10/2019) Largest Employers Franklin/Hampshire WDA 2018 Area Analysis 20 North Commons at Village Hill Northampton, MA Residential Sales In regards to median sale price, the Springfield MSA falls at $223,600 which has gone up 4.6% over the past year according to Zillow. Area Analysis 21 North Commons at Village Hill Northampton, MA Area Analysis 22 North Commons at Village Hill Northampton, MA Building Permits Below we provide the historical permits issued since 2008. The highest number issued during that time frame was in 2018 with 368 issued. Annually, there was an increase in permits issued from 289 in 2017 to 368 in 2018. County Totals 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019* Total Units 224 194 248 144 179 197 193 188 257 289 368 7 Units in Single-Family Structures 184 177 232 121 144 163 164 169 240 215 222 7 Units in All Multi-Family Structures 40 17 16 23 35 34 29 19 17 74 146 0 Units in 2-unit Multi-Family Structures 0 6 0 2 8 14 8 0 0 0 12 0 Units in 3- and 4-unit Multi-Family Structures 3 11 4 3 0 4 0 4 4 0 0 0 Units in 5+ Unit Multi-Family Structures 37 0 12 18 27 16 21 15 13 74 134 0 Source: Huduser.org *2019 Preliminary Data Through July,Updated 10/21/2019 Housing Unit Building Permits for: Hampshire County SOCDS Building Permits Database Area Analysis 23 North Commons at Village Hill Northampton, MA HUD PD&R Report Below is the market at a glance for Hampshire County which includes data from the American Community Fact Finder and US Census Bureau. Neighborhood Analysis 24 North Commons at Village Hill Northampton, MA Neighborhood Analysis 25 North Commons at Village Hill Northampton, MA Village Hill Complex As indicated, the subject sites are part of the Village Hill Redevelopment Project. There are multiple components associated with this development and a summarization is outlined below. Many are residential in orientation. The community takes up 126 acres and appears to be around 70% built out. Subsequent to the presentation of the neighborhood data, we will present a map outlining master plan for this community. Some of the components of this development that are important to recognize include the following: Single-Family Units: Scattered throughout the project and located within multiple sections. There are a number of housing options within the Village Hill Development. Many of these are built out to full capacity and involve mostly three and four-bedroom structures. Pricing ranges from the upper $460,000 to over $650,000 for some of the larger homes and more recently-built dwellings. A summarization of general housing patterns in the area is outlined in the first chart. Then there is some documentation related to single-family homes from within the Village Hill Development, specifically. This becomes important in order to ascertain not only market support for these units, but pricing for nearby homes. Apartments: The apartments include Hilltop and Hillside, both operated by the Community Builders. We refer the reader to the Supply section for additional details of these existing developments which are operationally successful. Assisted Living: Christopher Heights at Northampton is the assisted living development located on site. This project targets seniors who have advanced needs regarding level of care. There are 83 assisted living units; 43 of which are designed for low-income seniors. Neighborhood Analysis 26 North Commons at Village Hill Northampton, MA Commercial & Business Components: A commercial development will be built out in some of the later phases. The L3-KEO Corporation and VCA, Inc. are part of the master plan even though they are on the opposite side of the road from the development activity. A map demonstrating the layout for the Village Hill master plan follows this discussion. Note that the proposed subject developments are part of Lot 20, which is outlined in green, and the north part of the site in an area identified as Summit Oaks Homes on the master plan map. Lot 13A Development The subject property is part of what they have identified as Lot 13A within the complex. Adjacent to/near the subject parcel will be future development to include: • A proposed Co-housing parcel immediately adjacent that will total 6.2 acres. • Proposed land for future development by Mass Dev along Ford Crossing Road; 1 acre • Conservation land located both to the north and east of the Community Builder’s development site. To the north, there will be a total of 18.5 acres of undeveloped land and to the east, 10.42 acres of undeveloped land. In the addendum of the report, there will be a document provided that indicates a breakdown of the different space uses at the former Village at Hospital Hill/Northampton State Hospital redevelopment project. Commercial Development In regards to commercial necessities, residents of the subject area travel to the downtown core of Northampton for many of their commercial needs. The downtown area however, provides more boutique-type retail and commercial opportunities, including local restaurants and pubs, retail operations, banks, and general stores. Large-scale retail is outside of the downtown core to the north off of King Street and closer to the Cooley Dickinson Hospital. In regards to transportation linkages, the following should be recognized: • The highway network system in the area is a few miles from the site; I-91 has a means of ingress and egress off of Route 5 at Exit 18. This highway subsequently connects with other parts of Massachusetts, and eventually access into Metro Boston. • Bus Service: The local transit system does not provide bus service to the subject site specifically, but there is regional service available. There is a PVTA bus stop 1 mile from the site. Neighborhood Analysis 27 North Commons at Village Hill Northampton, MA • Rail Access: Commuter rail service and local rail transit is not available. There is Amtrak rail service in downtown Northampton and the station provides a connection to Metro Boston. Recreational and Community Services: Many recreational options are available nearby. This includes walking, biking and hiking trails along the Mill River, recreational amenities available at Smith College, nearby parks, and nearby schools. Schools: A summarization of the schools that apply to the development and their rankings are outlined below: The property is located in part of the Northampton School District. The schools that are within closest proximity include: Elementary School: Bridge Street School, 2 Parsons St., Northampton Northampton – Public Grades K-5 Middle School: JFK Middle School, 100 Bridge Rd, Florence Northampton – Public Grades 6-8 High School: Northampton High School, 380 Elm St, Northampton – Public Grades 9-12 The Northampton City School District ranks 253rd out of 332 districts in Massachusetts according to SchoolDigger.com. Area Colleges: Area colleges have a significant economic impact and influence on the region/neighborhood. Smith College is clearly the closest in proximity but there are others in the region that are important to recognize: • Smith College is located to the south in the heart of downtown Northampton. Smith College is a small, private women’s school founded in 1871. The enrollment includes 2,500 undergraduates in Northampton and 150 studying elsewhere. They do admit both men and women as graduate students, but they remain committed to the education of women at the graduate level. • University of Massachusetts at Amherst is located just to the east of the subject area; located on the opposite side of the Connecticut River, past Hadley. • As indicated, the area is significantly impacted by the affiliation/association of the “five colleges”, which includes nearby Smith College in Northampton, University of Massachusetts, Amherst College, Mt. Holyoke College and Hampshire College. Neighborhood Analysis 28 North Commons at Village Hill Northampton, MA Together, these colleges create the economic driving force for this portion of Western Massachusetts. Hospital and Medical Facilities: The Cooley Dickinson Hospital is to the north of the subject area and serves as the largest acute care hospital, and hospital system. It is also one of the area's largest employers. Proximity to Work Places The subject property is within close proximity to many of the places of work within Northampton. Many of these are in or near the downtown area including Smith College and the Cooley Dickenson Hospital. There is another hospital facility located to the north; the Northampton VA & Medical Center which is a large employer and also many of the residents commute to Amherst where the University of Massachusetts is located; less than 10 miles from the subject site. Economic Development Activity There is not a significant amount of general economic development activity evident in the area. It is a small community and economic activity is generally related to retail development, physical updates to existing residential and multi-family projects, and expansion/rehabilitation of some of the area’s largest community services like the hospitals and colleges. A general summarization of trade services/community services and their proximity to the project are summarized in the chart on the following page: Neighborhood Analysis 29 North Commons at Village Hill Northampton, MA Neighborhood Analysis 30 North Commons at Village Hill Northampton, MA Neighborhood Photographs 31 North Commons at Village Hill Northampton, MA Chapel Street/West Street facing East Village Hill Infrastructure Ford Crossing West Hill Top Apartments Chapel Street/West Street facing West Village Hill Infrastructure Olander Drive South Typical Townhomes Neighborhood Photographs 32 North Commons at Village Hill Northampton, MA Typical Single-Family Home Assisted Living Complex Commercial Development Nearby Typical Single-Family Home Smith College Downtown Northampton Land Analysis 33 North Commons at Village Hill Northampton, MA Property Type:Vacant Residential Land Street Address:Ford Crossing Road City, State & Zip:Northampton, Hampshire County, MA 01060 MSA Name:Springfield MSA Market Name:Hampshire Latitude:42.312029 Longitude:-72.647301 Census Tract:8219.03 Land Area:4.88 Useable Acres, 212,573 SF Zoning:PD Assessor's Parcel ID(s): Highest and Best Use - As Vacant:Multi-Family Analysis Details Valuation Date: Market Value "As Is"October 21, 2019 Inspection Date and Date of Photos: Report Date: Report Type: Client: Intended Use: Intended User: Appraisal Premise: Intended Use and User: Interest Appraised: Exposure Time (Marketing Period) Estimate: Site Characteristics Total Land Area (Gross):33.8 Acres Usable Land Area (Net):4.88 Acres Shape:Irregular Topography:Level Flood Zone:Zone X Flood Map / Date:2501670002A/April 3, 1978 Zoning PD; A Planned Development District Legally Conforming Yes Easements / Encroachments:Pending Access Easements Environmental Hazards:None Noted Compiled by NKF 12 Months (12 Months) The Community Builders February 18, 2019 None October 22, 2019 North Commons at Village Hill 13C-017-001 The intended use and user of our report are specifically identified in our report as agreed upon in our contract for services and/or reliance language found in the report. No other use or user of the report is permitted by any other party for any other purpose. Dissemination of this report by any party to non-client, non-intended users does not extend reliance to any other party and Newmark Knight Frank will not be responsible for unauthorized use of the report, its conclusions or contents used partially or in its entirety. Appraisal Report DACD Application The Community Builders & DACD Fee Simple Land Analysis 34 North Commons at Village Hill Northampton, MA Excess or Surplus Land There is land that is considered to be excess, but the value contribution is limited. What shows as parcel D and E will be provided by the developer as conservation land – it has use limitations now and once this restriction is set, the land cannot be sold/used for development. Easements, Encroachments and Restrictions There will be an access easement to an adjacent parcel provided through the main access to the site. This will be a shared road for ingress and egress; see the agreement in the addendum. There will be no income generated from the eastment nor any cost to the owner. It is necessary to allow access to the development of housing on Parcel B. The costs to complete this part of the road will be shared. No other easement, encroachment or restrictions are noted. Our valuation assumes no adverse impacts from easements, encroachments, or restrictions, and further assumes that the subject has clear and marketable title. Environmental Issues No environmental issues were observed or reported. Conclusion The developable land is 4.88 Acres and the plans will allow for 53 units to be built. Adequate Access off of the road to be built, extending north off of Ford Crossing. Zoning and infrastructure will allow for the site development to advance as intended. Land Analysis 35 North Commons at Village Hill Northampton, MA Zoning and Legal Restrictions 36 Vacant Land Parcel Zoning and Legal Restrictions The subject is zoned PV; the part of Parcel A that will be developed. This is a Planned development district and the project is approved with conditions. The section of the Bylaw that applies is 350- 20: Smart Growth Overlay District. The developer is proposing affordable apartments on the site, and the intended development of the 53 units is allowable. Additional building on the other parts of the site are not probable. The land disposition agreement indicates that there was site plan approval was issued as the concepts for the entire planned development were advance, as early as 2002. Real Estate Taxes 37 Vacant Land Parcel Real Estate Taxes The parcel is identified as Map 31C Block 017, Lot 001. The assessment for the land which now totals 29.4 acres from the assessment records (the A/D and E parcels for the project are slightly larger) is $294,000 at 100% full value. The Tax rate is a total of $17.37/Thousand of assessed value indicating that the total taxes are $5,107. Tax Map Highest and Best Use 38 Vacant Land Parcel Highest and Best Use As Vacant Legally Permissible The site is zoned PV and allows for multi-family developed as intended. Based on available data and analysis, no other legal restrictions such as easements or deed covenants are present which would impair the utility of the site. The developer is proposing affordable housing with 53 apartments. Physically Possible The subject site contains 4.88 useable acres, and would offer good frontage, depth and utility to accommodate multi-family development. All utilities are available. The land to the rear or north (parcel B) and East (parcel E) is considered non developable land based on situation and other physical aspects. Financially Feasible Of the legally permissible and physically possible uses, multi-family and community services uses appear most probable based on observation of surrounding properties as well as the location. These uses are more fully analyzed for their financial feasibility. Zoning is already in place to allow the development to advance as anticipated. Feasibility for any type of type of development is related to the achievable rent or owner-user that would be in place. Maximally Productive The test of maximum productivity is to determine the actual use of the property that results in the highest land value and/or the highest return to the land. It is important to consider the risk of potential uses as a use that may generate the highest returns in cash could also be the riskiest and thus not as likely for a developer to consider. In this case, the maximally productive use is a multi-family development. The associated risk is typical and market conditions appear to be supportive. Highest and Best Use Conclusion – As Vacant The highest and best use of the subject as though vacant is for the development of a multi-family housing development. Appraisal Methodology 39 Vacant Land Parcel Appraisal Methodology Cost Approach The cost approach is based on the proposition that the informed purchaser would pay no more for the subject than the cost to produce a substitute property with equivalent utility. This approach is particularly applicable when the property being appraised involves relatively new improvements that represent the highest and best use of the land, or when it is improved with relatively unique or specialized improvements for which there exist few sales or leases of comparable properties. Sales Comparison Approach The sales comparison approach utilizes sales of comparable properties, adjusted for differences, to indicate a value for the subject. Valuation is typically accomplished using physical units of comparison such as price per square foot, price per unit, price per floor, etc., or economic units of comparison such as gross rent multiplier. Adjustments are applied to the property units of comparison derived from the comparable sale. The unit of comparison chosen for the subject is then used to yield a total value. Income Capitalization Approach The income capitalization approach reflects the subject’s income-producing capabilities. This approach is based on the assumption that value is created by the expectation of benefits to be derived in the future. Specifically estimated is the amount an investor would be willing to pay to receive an income stream plus reversion value from a property over a period of time. The two common valuation techniques associated with the income capitalization approach are direct capitalization and the discounted cash flow (DCF) analysis. Application of Approaches to Value Approach Comments Cost Approach Sales Comparison Approach Income Capitalization Approach Compiled by NKF The Income Capitalization Approach is not applicable and is not utilized in this appraisal. The Sales Comparison Approach is applicable and is utilized in this appraisal. The Cost Approach is not applicable and is not utilized in this appraisal. Sales Comparison Approach 40 Vacant Land Parcel Sales Comparison Approach The sales comparison approach value is derived by analyzing closed sales, listings, or pending sales of land properties that are similar to the subject. The sales comparison approach includes the following steps. Research and verify information on properties in the competitive market that are similar to the subject and that have recently sold, are listed for sale, or are under contract. Select the most relevant units of comparison in the market and develop a comparative analysis. Examine and quantify via adjustments differences between the comparable sales and the subject property using all appropriate elements of comparison. Reconcile the various value indications to a value bracket and then a single value indication. The unit of comparison applied in this sales comparison analysis is the price per unit; based on the number of apartments that can be built and/or are anticipated to be built on the site/project that sold. Density and what can be built is a primary motivation of acquisition for redevelopment/development projects and is an approach that merits consideration when analyzing the market value of the underlying site. We often see development groups acquire land of this nature based on the density and what you can do with it, as opposed to the price per-acre methodology. If 100 units can be built on 1 acre site, the development groups usually have to pay around the same price for the 1 acre site as they do for a larger site offering the same density; in other words, even if 4 acres could be acquired, if only 100 units could be built on the 4-acre site similar to the 1-acre parcel, there is no reason the development group would want to, be willing to or be able to pay a different price. Analyzing the apartment land on a per apartment unit basis allows for consideration of the typical motivations of buyer/seller interests and intent. Note that there are three sales used. Sales in this area are and have been limited. There were a number reviewed, considered and evaluated but those chosen are most reflective of a similar highest and best use. Sales Comparison Approach 41 Vacant Land Parcel Sales Comparison Approach 42 Vacant Land Parcel Location Data Location 256 Pleasant Street City, State Northampton, MA Market Valuation Properties Submarket Valuation Land County Hampshire Physical Data Property Type Land (MF Residential) Use at Sale Completed Proposed Use MF Residential Sale Data Acres 0.39 Acres Transaction Type Closed Land SF 16,988 SF Date February 8, 2017 Useable Acres 0.39 Acres Marketing Time N/A Useable Land SF 16,988 SF Grantor Gail M LaBarge Frontage 54 Grantee Valley Community Development Corporation Visibility Average Document No.12548000175 Topography 0 Price $1,000,000 Shape Rectangular Financing Terms Cash to Seller - Buyer Obtained Financing Corner/Interior Location Interior Price Adjustments For: Flood Zone X Financing $0 Utilities Conditions of Sale $0 Other $0 Number of Units 55 Adjusted Price $1,000,000 Zoning GB - General Business Allowable Bldg Area 204900422.2 Analysis Allowable Bldg Units Price per Acre $2,564,163 Price Per SF $58.87 Verification Price per Unit $18,182 Price per FAR $82.91 Comments Land Sale Comparable 1 The site was occupied by a 12,036 square foot building that required demolition. The property was purchased by the Valley Community Development Corporation as a redevelopment project. They plan on demolishing any buildings that are on the site to develop an affordable housing multi-family property with 55 units. It will also contain approximately 5,000 square feet of commercial space on the 1st floor in addition to a mix of one-, two-, and three-bedroom units. Water, Sewer, Gas, Electricity Sales Comparison Approach 43 Vacant Land Parcel North Square Apartments Location Data Location 26 Spring Street City, State Amherst, MA Market Valuation Properties Submarket Valuation Land County Hampshire Physical Data Property Type Land (MF Residential) Use at Sale Under Construction Proposed Use MF Residential Sale Data Acres 0.34 Acres Transaction Type Closed Land SF 14,810 SF Date August 16, 2019 Useable Acres 0.34 Acres Marketing Time N/A Useable Land SF 14,810 SF Grantor San Realty Inc. Frontage Grantee 26 Spring Street Visibility Average Document No.13360000155 Topography Level Price $1,250,000 Shape Rectangular Financing Terms Cash to Seller Corner/Interior Location Interior Price Adjustments For: Flood Zone 0 Feet (Avg.)Financing $0 Utilities Conditions of Sale $0 Other $0 Number of Units 58 Adjusted Price $1,250,000 Zoning General Business Allowable Bldg Area 59980.5 Analysis Allowable Bldg Units Price per Acre $3,676,570 Price Per SF $84.40 Verification Price per Unit $21,552 Price per FAR $20.84 Comments Land Sale Comparable 2 Water, Sewer, Gas, Electricity The property is currently still under construction. It broke ground 3/2019 and is expected to be completed on 12/2019 estimated, There are 4 stories in the building with a total of 60,000 square foot. The proeprty also sits on .34 acres and has a zoning of Geberal Business. It also offers 17 free parking spaces around the entire building. The site sold for $1,250,000 or $21,551 per unit. Sales Comparison Approach 44 Vacant Land Parcel 85 Sewall Street Location Data Location 85 Sewall Street City, State Boylston, MA Market Valuation Properties Submarket Valuation Land County Worcester Physical Data Property Type Land (MF Residential) Use at Sale Proposed Proposed Use MF Residential Sale Data Acres 13.30 Acres Transaction Type Closed Land SF 579,348 SF Date February 11, 2019 Useable Acres 13.30 Acres Marketing Time N/A Useable Land SF 579,348 SF Grantor BETHLEHEM BIBLE CHURCH Frontage 0 Grantee 85 SEWALL LLC Visibility Average Document No.Book 60034, Pages 79 & 136 Topography Gently Sloping Price $1,000,000 Shape Irregular Financing Terms Cash to Seller - Buyer Obtained Financing Corner/Interior Location Interior Price Adjustments For: Flood Zone X Financing $0 Utilities Conditions of Sale $0 Other $0 Number of Units 66 Adjusted Price $1,000,000 Zoning MUI & RR Allowable Bldg Area 0 Analysis Allowable Bldg Units Price per Acre $75,188 Price Per SF $1.73 Verification Confirmed-Other Price per Unit $15,152 Price per FAR $0.00 Comments This represents the sale of a proposed, 66-unit (10% will be affordable) apartment complex development site in Boylston near Route 146. The property is located in a residential neighborhood. Approvals were in-place at the time of sale. Land Sale Comparable 3 0 Sales Comparison Approach 45 Vacant Land Parcel Analysis of Improved Comparable Data Comparable One Vacant land in the area to be used for development of market rate apartments. There was a commerical buiding in place which required demolition at an estimated cost of $100,000. Plans call for the advancement of a market rate development with 55 units. There were adjustments needed for time/market conditions (+8% or 3%/year - .25% for each month of time variation), and an upward adjustment of 10% to account for the $100,000 of demolition cost associated with clearing the site to become development ready. The site is small but there is no size adjusment needed since the price per apartment unit method is used. Comparable Two Small, Vacant parcel to be used for the develoment of a 58 unit complex targetting students. Recent sale so no adjustment for time was required. The site is development ready. Although some advancment of the project/site appears to have been advanced, this is simlar to the status of the subject site/parcel and as such there was no adjustement needed. Similar to sale one, the site is small but the density greater and the number of units to be built is similar. Comparable Three A vacant parcel in Worcester Mass, used since it is proposed to be developed with apartments; a total of 66 units. Adjustments were needed to account for location (+10%) as the area/location is inferior (rents and overall economics/devleopment potential for m. family) and +10% to Subject Sale 1 Sale 2 Sale 3 Address Lot 13-A 256 Pleasant Street 26 Spring Street 85 Sewall Street City, State Northampton, MA Northampton, MA Amherst, MA Boylston, MA Use at Sale Assumed Vacant Completed Under Construction Proposed Proposed Use Commercial MF Residential MF Residential MF Residential Gross Acres 4.88 Acres 0.39 Acres 0.34 Acres 13.30 Acres Gross Land SF 212,573 SF 16,988 SF 14,810 SF 579,348 SF Number of Units 53 55 58 66 Zoning Commercial GB - General Business General Business MUI & RR Transaction Type Closed Closed Closed Buyer Valley Community Development Corporation 26 Spring Street 85 SEWALL LLC Seller Gail M LaBarge San Realty Inc.BETHLEHEM BIBLE CHURCH Interest Conveyed Fee Simple Fee Simple Fee Simple Fee Simple Transaction Date Feb-17 Aug-19 Feb-19 Price $1,000,000 $1,250,000 $1,000,000 Adj. Sale Price $1,000,000 $1,250,000 $1,000,000 Price per Gross Land Acre $2,564,163 $3,676,570 $75,188 Price Per Gross Land SF $58.87 $84.40 $1.73 Price per Usable Land Acre $2,564,163 $3,676,570 $75,188 Price Per Usable Land SF $58.87 $84.40 $1.73 Price per Unit $18,182 $21,552 $15,152 Price per FAR $82.91 $20.84 $0.00 Comparable Land Sales Summary Sales Comparison Approach 46 Vacant Land Parcel account for the site advancement which was not as extensive as the development advancement on the subject site related to utilities or infrastructure. Other Sales: A couple of other sales and listings were considered/but not applied: - Listing at 207 Earle St, which is part of the Village Hill Development. Located across the street from the main site, this parcel has 1.5 acres and was listed for $125,000 or $83,333 per acre. - A site near University Drive and Amity Street in Northampton Sold on 6/28/2018. The plans called for development of apartment/rental units but specifics were not available. One report indicated that 40 townhome units might be built and if so, this would reflect a total of $16,500 per unit. Analysis of Adjustments Subject Sale 1 Sale 2 Sale 3 Address Lot 13-A 256 Pleasant Street 26 Spring Street 85 Sewall Street City, State Northampton, MA Northampton, MA Amherst, MA Boylston, MA Gross Land Area (Acres)4.88 Acres 0.39 Acres 0.34 Acres 13.30 Acres Land Units 53 55 58 66 Transaction Type --Closed Closed Closed Transaction Date --Feb-17 Aug-19 Feb-19 Price per Unit $18,182 $21,552 $15,152 Property Rights 0%0%0% Financing 0%0%0% Conditions of Sale 0%0%0% Market Conditions (Time)8%0%2% Subtotal 8%0%2% Location 0%0%10% Demolition 10%0%0% Zoning 0%0%0% Size 0%0%0% Shape 0%0%0% Topography 0%0%0% Others 0%0%10% Subtotal 10%0%20% Overall Adjustment 18%0%22% Indicated Price per Unit $21,455 $21,552 $18,485 Compiled by NKF Comparable Land Sales Adjustment Grid Physical Adjustments Transaction Adjustments Sales Comparison Approach 47 Vacant Land Parcel Price per Unit Conclusion: To arrive at an indication of value by price acre, consideration is given to each of the sales. A summary of the ranges and the conclusions are below: Number of Units 53 Comparable Sales Indications Range Average Unadjusted Price per Unit $15,152 - $21,552 $18,295 Adjusted Price per Unit $18,485 - $21,552 $20,497 Reconciled Value per Unit $20,000 Total Indicated Value $1,060,000 Rounded $1,060,000 Compiled by NKF Land Value Conclusion Reconciliation of Value 48 Vacant Land Parcel Reconciliation of Value The value indicated by our analyses is as follows: The value above accounts for the current market value of the vacant site. This is to be used for the development of apartment units, and there will be infrastructure development and costs being implemented to allow for access/use and ingress/egress. The total cost for infrastructure that will be implemented by the City and TCB is $661,200 (see details in the addendum). It is anticipated that this will be in place by June of 2020. At that time it can be assumed that the value of the development parcel (land and infrastructure) will be: Market value of the land/site: $1,060,000 Cost of infrastructure/construction: $661,200 Soft Costs of infrastructure: $288,717 Total as of 6/2020*: $2,010,000 *Assuming completion of all infrastructure as anticipated by this date. The costs were issued by the developer. Hard costs are in the addendum. Soft costs include Design, Bidding, permitting, Contingency and Admin. Cost Approach In this case, the cost approach was not utilized. Sales Comparison Approach The Sales Comparison Approach is focused on comparing the subject to sales and other market transactions with the aim to develop an indication of value that is founded on the theory of substitution. Basically, the intention is to determine value through considering the prices of properties which would be a substitute property to the subject. In this case, a selection of reasonably similar sales were obtained and the adjustment process was well founded by reasoning and direct evidence. Accordingly, primary weight is given to the sales comparison approach. Income Capitalization Approach The subject property is a redevelopment site. The income approach was not developed. Value Conclusions Appraisal Premise Interest Appraised Date of Value Value Conclusion Market Value "As Is"Fee Simple 10/21/2019 $1,060,000 Compiled by NKF Assumptions and Limiting Conditions 49 Vacant Land Parcel Assumptions and Limiting Conditions The Appraisal contained in this Report (herein “Report”) is subject to the following assumptions and limiting conditions: 1.Unless otherwise stated in this report, title to the property which is the subject of this report (herein “Property”) is assumed to be good and marketable and free and clear of all liens and encumbrances and that there are no recorded or unrecorded matters or exceptions to title that would adversely affect marketability or value. No responsibility is assumed for the legal description, zoning, condition of title or any matters which are legal in nature or otherwise require expertise other than that of a professional real estate appraiser. This report shall not constitute a survey of the Property. 2.Unless otherwise stated in this report, it is assumed: that the improvements on the Property are structurally sound, seismically safe and code conforming; that all building systems (mechanical/electrical, HVAC, elevator, plumbing, etc.) are in good working order with no major deferred maintenance or repair required; that the roof and exterior are in good condition and free from intrusion by the elements; that the Property and improvements conform to all applicable local, state, and federal laws, codes, ordinances and regulations including environmental laws and regulations. No responsibility is assumed for soil or subsoil conditions or engineering or structural matters. The Property is appraised assuming that all required licenses, certificates of occupancy, consents, or other legislative or administrative authority from any local, state, or national government or private entity or organization have been or can be obtained or renewed for any use on which the value estimates contained in this report is based, unless otherwise stated. The physical condition of the Property reflected in this report is solely based on a visual inspection as typically conducted by a professional appraiser not someone with engineering expertise. Responsible ownership and competent property management are assumed. 3.Unless otherwise stated in this report, this report did not take into consideration the existence of asbestos, PCB transformers or other toxic, hazardous, or contaminated substances or underground storage tanks, or the cost of encapsulation, removal or remediation thereof. Real estate appraisers are not qualified to detect such substances. The presence of substances such as asbestos, urea formaldehyde foam insulation, contaminated groundwater or other potentially hazardous materials and substances may adversely affect the value of the Property. Unless otherwise stated in this report, the opinion of value is predicated on the assumption that there is no such material or substances at, on or in the Property. 4.All statements of fact contained in this report as a basis of the analyses, opinions, and conclusions herein are true and correct to the best of the appraiser's actual knowledge and belief. The appraiser is entitled to and relies upon the accuracy of information and material furnished by the owner of the Property or owner’s representatives and on information and data provided by sources upon which members of the appraisal profession typically rely and that are deemed to be reliable by such members. Such information and data obtained from third party sources are assumed to be reliable and have not been independently verified. No warranty is made as to the accuracy of any of such information and data. Any material error in any of the said information or data could have a Assumptions and Limiting Conditions 50 Vacant Land Parcel substantial impact on the conclusions of this Report. The appraiser reserves the right to amend conclusions reported if made aware of any such error. 5.The opinion of value stated in this report is only as of the date of value stated in this report. An appraisal is inherently subjective and the conclusions stated apply only as of said date of value, and no representation is made as to the effect of subsequent events. This report speaks only as of the date hereof. 6.Any projected cash flows included in the analysis are forecasts of estimated future operating characteristics and are predicated on the information and assumptions contained within this report. Any projections of income, expenses and economic conditions utilized in this report are not predictions of the future. Rather, they are estimates of market expectations of future income and expenses. The achievement of any financial projections will be affected by fluctuating economic conditions and is dependent upon other future occurrences that cannot be assured. Actual results may vary from the projections considered herein. There is no warranty or assurances that these forecasts will occur. Projections may be affected by circumstances beyond anyone’s knowledge or control. Any income and expense estimates contained in this report are used only for the purpose of estimating value and do not constitute predictions of future operating results. 7.The analyses contained in this report may necessarily incorporate numerous estimates and assumptions regarding Property performance, general and local business and economic conditions, the absence of material changes in the competitive environment and other matters. Some estimates or assumptions, however, inevitably will not materialize, and unanticipated events and circumstances may occur; therefore, actual results achieved during the period covered by the analysis will vary from estimates, and the variations may be material. 8.All prospective value opinions presented in this report are estimates and forecasts which are prospective in nature and are subject to considerable risk and uncertainty. In addition to the contingencies noted in the preceding paragraphs, several events may occur that could substantially alter the outcome of the estimates such as, but not limited to changes in the economy, interest rates, capitalization rates, behavior of consumers, investors and lenders, fire and other physical destruction, changes in title or conveyances of easements and deed restrictions, etc. In making prospective estimates and forecasts, it is assumed that conditions reasonably foreseeable at the present time are consistent or similar with the future. 9.The allocations of value for land and improvements must not be used in conjunction with any other appraisal and are invalid if so used. This report shall be considered only in its entirety. No part of this report shall be utilized separately or out of context. 10.Neither all nor any part of the contents of this report (especially any conclusions as to value, the identity of the appraiser, or any reference to the Appraisal Institute) shall be disseminated through advertising media, public relations media, news media or any other means of communication (including without limitation prospectuses, private offering memoranda and other offering material provided to prospective investors) without the prior written consent of the Firm. Possession of this report, or a copy hereof, does not carry with it the right of publication. 11.Client and any other Intended User identified herein should consider this report and the opinion of value contained herein as only one factor together with its own independent considerations and Assumptions and Limiting Conditions 51 Vacant Land Parcel underwriting guidelines in making any decision or investment or taking any action regarding the Property. Client agrees that Firm shall not be responsible in any way for any decision of Client or any Intended User related to the Property or for the advice or services provided by any other advisors or contractors. The use of this report and the appraisal contained herein by anyone other than an Intended User identified herein, or for a use other than the Intended Use identified herein, is strictly prohibited. No party other than an Intended User identified herein may rely on this report and the appraisal contained herein. 12.Unless otherwise stated in the agreement to prepare this report, the appraiser shall not be required to participate in or prepare for or attend any judicial, arbitration, or administrative proceedings. 13.The Americans with Disabilities Act (ADA) became effective January 26, 1992. No survey or analysis of the Property has been made in connection with this report to determine whether the physical aspects of the improvements meet the ADA accessibility guidelines. No expertise in ADA issues is claimed, and the report renders no opinion regarding the Property’s compliance with ADA regulations. Inasmuch as compliance matches each owner’s financial ability with the cost to cure the non-conforming physical characteristics of a property, a specific study of both the owner’s financial ability and the cost to cure any deficiencies would be needed for the Department of Justice to determine compliance. 14.Acceptance and/or use of this report constitutes full acceptance of these Assumptions and Limiting Conditions and any others contained in this report, including any Extraordinary Assumptions and Hypothetical Conditions, and is subject to the terms and conditions contained in the agreement to prepare this report and full acceptance of any limitation of liability or claims contained therein. Addenda Vacant Land Parcel Addendum Glossary of Terms Land Disposition Agreement Reciprocal Easement Engagement Letter Qualifications Addenda Vacant Land Parcel Glossary of Terms Addenda Vacant Land Parcel The following definitions are derived from The Dictionary of Real Estate Appraisal, 6th ed. (Chicago: Appraisal Institute, 2015).  Absorption Period: The actual or expected period required from the time a property, group of properties, or commodity is initially offered for lease, purchase, or use by its eventual users until all portions have been sold or stabilized occupancy has been achieved.  Absorption Rate: 1) Broadly, the rate at which vacant space in a property or group of properties for sale or lease has been or is expected to be successfully sold or leased over a specified period of time. 2) In subdivision analysis, the rate of sales of lots or units in a subdivision.  Ad Valorem Tax: A tax levied in proportion to the value of the thing(s) being taxed. Exclusive of exemptions, use-value assessment provisions, and the like, the property tax is an ad valorem tax. (International Association of Assessing Officers [IAAO])  Assessed Value: The value of a property according to the tax rolls in ad valorem taxation; may be higher or lower than market value, or based on an assessment ratio that is a percentage of market value.  Cash Equivalency: An analytical process in which the sale price of a transaction with nonmarket financing or financing with unusual conditions or incentives is converted into a price expressed in terms of cash or its equivalent.  Contract Rent: The actual rental income specified in a lease.  Disposition Value: The most probable price that a specified interest in property should bring under the following conditions: 1) Consummation of a sale within a specified time, which is shorter than the typical exposure time for such a property in that market. 2) The property is subjected to market conditions prevailing as of the date of valuation. 3) Both the buyer and seller are acting prudently and knowledgeably. 4) The seller is under compulsion to sell. 5) The buyer is typically motivated. 6) Both parties are acting in what they consider to be their best interests. 7) An adequate marketing effort will be made during the exposure time. 8) Payment will be made in cash in US dollars (or the local currency) or in terms of financial arrangements comparable thereto. 9) The price represents the normal consideration for the property sold, unaffected by special or creative financing or sales concessions granted by anyone associated with the sale. This definition can also be modified to provide for valuation with specified financing terms.  Effective Rent: Total base rent, or minimum rent stipulated in a lease, over the specified lease term minus rent concessions; the rent that is effectively paid by a tenant net of financial concessions provided by a landlord.  Excess Land: Land that is not needed to serve or support the existing use. The highest and best use of the excess land may or may not be the same as the highest and best use of the improved parcel. Excess land has the potential to be sold separately and is valued separately. See also surplus land. Addenda Vacant Land Parcel  Excess Rent: The amount by which contract rent exceeds market rent at the time of the appraisal; created by a lease favorable to the landlord (lessor) and may reflect unusual management, unknowledgeable or unusually motivated parties, a lease execution in an earlier, stronger rental market, or an agreement of the parties.  Exposure Time: 1) The time a property remains on the market. 2) [The] estimated length of time that the property interest being appraised would have been offered on the market prior to the hypothetical consummation of a sale at market value on the effective date of the appraisal.  Extraordinary Assumption: An assumption, directly related to a specific assignment, as of the effective date of the assignment results, which, if found to be false, could alter the appraiser’s opinions or conclusions. See also hypothetical condition.  Fee Simple Estate: Absolute ownership unencumbered by any other interest or estate, subject only to the limitations imposed by the governmental powers of taxation, eminent domain, police power, and escheat.  Floor Area Ratio (FAR): The relationship between the above-ground floor area of a building, as described by the zoning or building code, and the area of the plot on which it stands; in planning and zoning, often expressed as a decimal, e.g., a ratio of 2.0 indicates that the permissible floor area of a building is twice the total land area.  Frictional Vacancy: The amount of vacant space needed in a market for its orderly operation. Frictional vacancy allows for move-ins and move-outs.  Full Service Lease: See gross lease.  General Vacancy: A method of calculating any remaining vacancy and collection loss considerations when using discounted cash flow (DCF) analysis, where turnover vacancy has been used as part of the income estimate. The combined effects of turnover vacancy and general vacancy relate to total vacancy and collection loss.  Going-Concern Premise: One of the premises under which the total assets of a business can be valued; the assumption that a company is expected to continue operating well into the future (usually indefinitely).  Going Concern Value: An outdated label for the market value of all the tangible and intangible assets of an established and operating business with an indefinite life, as if sold in aggregate; more accurately termed the market value of the going concern or market value of the total assets of the business.  Gross Building Area (GBA): 1) Total floor area of a building, excluding unenclosed areas, measured from the exterior of the walls of the above grade area. This includes mezzanines and basements if and when typically included in the market area of the type of property involved. 2) Gross leasable area plus all common areas. 3) For residential space, the total area of all floor levels measured from the exterior of the walls and including the superstructure and substructure basement; typically does not include garage space. Addenda Vacant Land Parcel  Gross Lease: A lease in which the landlord receives stipulated rent and is obligated to pay all of the property’s operating and fixed expenses; also called full-service lease.  Hypothetical Condition: 1) A condition that is presumed to be true when it is known to be false. (Appraisal Institute: The Standards of Valuation Practice [SVP]) 2) A condition, directly related to a specific assignment, which is contrary to what is known by the appraiser to exist on the effective date of the assignment results, but is used for the purpose of analysis. See also extraordinary assumption.  Intended Users: 1) The party or parties the valuer intends will use the report. (SVP) 2) The client and any other party as identified, by name or type, as users of the appraisal or appraisal review report by the appraiser on the basis of communication with the client at the time of the assignment. (USPAP, 2016-2017 ed.)  Investment Value: 1) The value of a property to a particular investor or class of investors based on the investor’s specific requirements. Investment value may be different from market value because it depends on a set of investment criteria that are not necessarily typical of the market. 2)The value of an asset to the owner or a prospective owner for individual investment or operational objectives. (International Valuation Standards [IVS])  Land-to-Building Ratio: The proportion of land area to gross building area; one of the factors determining comparability of properties.  Lease: A contract in which the rights to use and occupy land, space, or structures are transferred by the owner to another for a specified period of time in return for a specified rent.  Leased Fee Interest: The ownership interest held by the lessor, which includes the right to receive the contract rent specified in the lease plus the reversionary right when the lease expires.  Leasehold Interest: The right held by the lessee to use and occupy real estate for a stated term and under the conditions specified in the lease.  Lessee: One who has the right to occupancy and use of the property of another for a period of time according to a lease agreement.  Lessor: One who conveys the rights of occupancy and use to others under a lease agreement.  Liquidation Value: The most probable price that a specified interest in property should bring under the following conditions: 1) Consummation of a sale within a short time period. 2) The property is subjected to market conditions prevailing as of the date of valuation. 3) Both the buyer and seller are acting prudently and knowledgeably. 4) The seller is under extreme compulsion to sell. 5) The buyer is typically motivated. 6) Both parties are acting in what they consider to be their best interests. 7) A normal marketing effort is not possible due to the brief exposure time. 8) Payment will be made in cash in US dollars (or the local currency) or in terms of financial arrangements comparable thereto. 9) The price represents the normal consideration for the property sold, unaffected by special or creative financing or sales concessions granted by anyone Addenda Vacant Land Parcel associated with the sale. This definition can also be modified to provide for valuation with specified financing terms.  Market Rent: The most probable rent that a property should bring in a competitive and open market reflecting the conditions and restrictions of a specified lease agreement, including the rental adjustment and revaluation, permitted uses, use restrictions, expense obligations, term, concessions, renewal and purchase options, and tenant improvements (TIs).  Market Value: A type of value that is the major focus of most real property appraisal assignments. Both economic and legal definitions of market value have been developed and refined, such as the following. 1) The most widely accepted components of market value are incorporated in the following definition: The most probable price, as of a specified date, in cash, or in terms equivalent to cash, or in other precisely revealed terms, for which the specified property rights should sell after reasonable exposure in a competitive market under all conditions requisite to a fair sale, with the buyer and seller each acting prudently, knowledgeably, and for self-interest, and assuming that neither is under undue duress. 2) Market value is described, not defined, in the Uniform Standards of Professional Appraisal Practice (USPAP) as follows: A type of value, stated as an opinion, that presumes the transfer of a property (i.e., a right of ownership or a bundle of such rights), as of a certain date, under specific conditions set forth in the definition of the term identified by the appraiser as applicable in an appraisal. 1  Market Value of the Going Concern: The market value of an established and operating business including the real property, personal property, financial assets, and the intangible assets of the business.  Marketing Time: An opinion of the amount of time it might take to sell a real or personal property interest at the concluded market value level during the period immediately after the effective date of an appraisal. Marketing time differs from exposure time, which is always presumed to precede the effective date of an appraisal.  Modified Gross Lease: A lease in which the landlord receives stipulated rent and is obligated to pay some, but not all, of the property’s operating and fixed expenses. Since assignment of expenses varies among modified gross leases, expense responsibility must always be specified. In some markets, a modified gross lease may be called a double net lease, net lease, partial net lease, or semi-gross lease.  Net Lease: A lease in which the landlord passes on all expenses to the tenant. See also gross lease; modified gross lease.  Net Net Net Lease: An alternative term for a type of net lease. In some markets, a net net net lease is defined as a lease in which the tenant assumes all expenses (fixed and variable) of operating a property except that the landlord is responsible for structural maintenance, building reserves, and management; also called NNN lease, triple net lease, or fully net lease. 1 The actual definition of value used for this appraisal is contained within the body of the report. The definition of market value given above is general in viewpoint and is only provided for amplification. Addenda Vacant Land Parcel  Occupancy Rate: 1) The relationship or ratio between the potential income from the currently rented units in a property and the income that would be received if all the units were occupied. 2) The ratio of occupied space to total rentable space in a building.  Overage Rent: The percentage rent paid over and above the guaranteed minimum rent or base rent; calculated as a percentage of sales in excess of a specified breakpoint sales volume.  Percentage Rent: Rental income received in accordance with the terms of a percentage lease; typically derived from retail store and restaurant tenants and based on a certain percentage of their gross sales.  Prospective Opinion of Value: A value opinion effective as of a specified future date. The term does not define a type of value. Instead, it identifies a value opinion as being effective at some specific future date. An opinion of value as of a prospective date is frequently sought in connection with projects that are proposed, under construction, or under conversion to a new use, or those that have not yet achieved sellout or a stabilized level of long-term occupancy.  Rentable Area: For office or retail buildings, the tenant’s pro rata portion of the entire office floor, excluding elements of the building that penetrate through the floor to the areas below. The rentable area of a floor is computed by measuring to the inside finished surface of the dominant portion of the permanent building walls, excluding any major vertical penetrations of the floor. Alternatively, the amount of space on which the rent is based; calculated according to local practice.  Retrospective Value Opinion: A value opinion effective as of a specified historical date. The term retrospective does not define a type of value. Instead, it identifies a value opinion as being effective at some specific prior date. Value as of a historical date is frequently sought in connection with property tax appeals, damage models, lease renegotiation, deficiency judgments, estate tax, and condemnation. Inclusion of the type of value with this term is appropriate, e.g., “retrospective market value opinion.”  Shell Rent: The typical rent paid for retail, office, or industrial tenant space based on minimal “shell” interior finishes (called vanilla finish or white wall finish in some areas). Usually the landlord delivers the main building shell space or some minimum level of interior build-out, and the tenant completes the interior finish, which can include wall, ceiling, and floor finishes, mechanical systems, interior electricity, and plumbing. Typically these are long-term leases with tenants paying all or most property expenses.  Surplus Land: Land that is not currently needed to support the existing use but cannot be separated from the property and sold off for another use. Surplus land does not have an independent highest and best use and may or may not contribute value to the improved parcel. See also excess land.  Turnover Vacancy: A method of calculating vacancy allowance that is estimated or considered as part of the potential income estimate when using discounted cash flow (DCF) analysis. As units or suites turn over and are available for re-leasing, the periodic vacancy time frame (vacancy window) to release the space is considered. Addenda Vacant Land Parcel  Usable Area: 1) For office buildings, the actual occupiable area of a floor or an office space; computed by measuring from the finished surface of the office side of corridor and other permanent walls, to the center of partitions that separate the office from adjoining usable areas, and to the inside finished surface of the dominant portion of the permanent outer building walls. Sometimes called net building area or net floor area. See also floor area. 2) The area that is actually used by the tenants measured from the inside of the exterior walls to the inside of walls separating the space from hallways and common areas.  Use Value: The value of a property assuming a specific use, which may or may not be the property’s highest and best use on the effective date of the appraisal. Use value may or may not be equal to market value but is different conceptually. See also value in use.  Value In Use: The value of a property assuming a specific use, which may or may not be the property’s highest and best use on the effective date of the appraisal. Value in use may or may not be equal to market value but is different conceptually. See also use value.  Value Indication: A valuer’s conclusion of value resulting from the application of an approach to value, e.g., the value indication by the sales comparison approach. Addenda Vacant Land Parcel Land Disposition Agreement (1) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx VILLAGE AT HOSPITAL HILL LAND DISPOSITION AGREEMENT This Land Disposition Agreement (the “Agreement”) dated as of the ____ day of August, 2017 (the “Effective Date”) by and between the HOSPITAL HILL DEVELOPMENT LLC (the “Company”), a Delaware limited liability company, having a principal address c/o Massachusetts Development Finance Agency, 99 High Street, Boston, Massachusetts 02110 and THE COMMUNITY BUILDERS, INC. and its designee nominee, a to-be-created TCB entity (together with any successor thereto, the “Purchaser”), a Massachusetts not-for-profit corporation, having a principal address of 185 Dartmouth Street, 9th Floor, Boston, Massachusetts 02116. RECITALS A. The Community Builders, Inc. and the Massachusetts Development Finance Agency (the “Agency”) are the sole members of the Company, and the Agency is the Manager of the Company. The Company was formed for the purpose of the acquisition and redevelopment of a portion of the former Northampton State Hospital site in Northampton, Hampshire County, Massachusetts (the “Property”). B. The Company has acquired title to the Property in accordance with a Land Disposition Agreement dated September 5, 2002 between the Commonwealth of Massachusetts, acting by and through its Division of Capital Asset Management and Maintenance (“DCAM”), and The Community Builders (the “LDA”) pursuant to a Release Deed from the Commonwealth of Massachusetts, acting by and through DCAM, to the Company dated November 25, 2002 and recorded in the Hampshire County Registry of Deeds (the “Registry”) at Book 6925, Page 302. C. The Property includes a parcel of land shown on the plan entitled “THE VILLAGE AT HOSPITAL HILL, PHASE ONE DEFINITIVE SUBDIVISION, NORTHAMPTON, MASSACHUSETTS, dated November 20, 2003, Revised: January 22, 2004, Revised: February 23, 2004 (Sheets 1-35), Revised April 30, 2004 (Sheet 36), prepared by Beals and Thomas, Inc., 144 Turnpike Road, Northborough, MA 01772”, and recorded with Registry in Plan Book 202, Page 75, and as it may be revised from time to time showing Lots 1 through 20 (the “Initial Plan”). The North Campus of the Village at Hospital Hill is comprised of lots numbered 13, 14, 15, 16, 17, 18, 19, 20, Parcel A and Parcel B on the Initial Plan (the “North Campus”) as further subdivided by AMENDMENT TO THE PHASE 1 DEFINITIVE SUBDIVISION PLAN, THE VILLAGE AT HOSPITAL HILL in NORTHAMPTON, MA (Hampshire County) dated May 27, 2005; Revised: November 8, 2005, Revised January 25, 2006 and prepared by Beal and Thomas, Inc., 144 Turnpike Road, Southborough, MA 01772 recorded with Registry in Plan Book 210, Page 31 showing Lots 13 through 20, Parcels A and B and the plan entitled VILLAGE HILL, NORTHAMPTON, MASSACHUSETTS DEFINITIVE PLAN dated March 26, 2007 and prepared by The Berkshire Design Group, Inc., 4 Allen Place, Northampton, MA 01060 recorded with the Registry in Plan Book 216, Page 7 showing Parcel 13-A, Lot 14, Parcel A, Lot 18, Lot 19, Lot 20-A, and Lots 21 through 25 and Lot B-1 and a plan (2) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx entitled “Moser Street Definitive Plan, Village Hill, Northampton, Massachusetts, Hospital Hill Development LLC, Northampton, Massachusetts dated July 16, 2009 prepared by Sherman & Frydryk, Landing Surveying and Engineering and Tighe & Bond Consulting Engineers recorded with the Registry at Book 221, Page 45 showing the further subdivision of a portion of Lot 13-A into Lots A2 through A27 and Lot 22 (Rev) (collectively, the “Plan”). The Company subjected the North Campus to covenants contained in that certain Declaration of Covenants, Restrictions, Maintenance and Easement Agreement dated as of October 8, 2004 and recorded in the Registry at Book 8024, Page 275 on October 15, 2004 as amended by that Amendment to Declaration of Covenants, Restrictions, Maintenance and Easement Agreement dated September 22, 2006 and recorded in the Hampshire Registry of Deeds at Book 9016, Page 215, on January 22, 2007, as restated and amended by Consolidated Restatement and Amendment of Declaration of Covenants, Restrictions, Maintenance and Easement Agreement dated April 17, 2008 and recorded in the Registry at Book 9457, Page 1 on April 17, 2008, as further amended by the Supplemental Declaration dated November 2, 2009 and recorded in the Registry at Book 10019, Page 271, as further amended by the Second Supplemental Declaration dated on or about May 21, 2012 and recorded in the Registry at Book 10921, Page 26, as further amended by the Third Supplemental Declaration dated July 20, 2012 and recorded in the Registry at Book 10984, Page 128, as further amended by the Fourth Supplemental Declaration dated October 24, 2013 and recorded in the Registry at Book 11503, Page 113, as further amended by the Fifth Supplemental Declaration dated November 24, 2015 and recorded in the Registry at Book 12141, Page 297, as further amended by the Sixth Supplemental Declaration dated September 13, 2016 and recorded in the Registry at Book 12403, Page 297, and as further amended by the Seventh Supplemental Declaration dated as of July 28, 2017 and recorded in the Hampshire County Registry of Deeds at Book 12700, Page 281 (collectively referred to as the “Declaration”). D. The Company created the Village at Hospital Hill–North Association (“North Campus Association”), an association of the owners of individual lots comprising the North Campus to maintain the subdivision roads shown on the Plan until accepted by the City of Northampton, the culverts and detention areas, the easement areas and drainage facilities, and any shared parking lots and utilities for the North Campus. E. The Agency, as the Manager of the Company, is responsible for the overall redevelopment of the Property. The Company intends to convey to the Purchaser: (i) a portion of the North Campus consisting of an approximately 26.4 acre parcel, located north of Ford Crossing, as more particularly shown on Exhibit A (“Parcel A”) for the development of a three- story building consisting of approximately fifty three (53) residential units (“Purchaser Project A”) and (ii) a portion of the North Campus shown as “Lot 20-A” on the Plan (“Parcel B” and collectively with Parcel A, the “Premises”) for the development of a mixed-use building consisting of approximately twelve (12) residential units and approximately 2,500 square feet of commercial space (“Purchaser Project B” and collectively with Purchaser Project A, the “Purchaser Project”) in accordance with the LDA, and this Agreement, upon the terms and conditions hereinafter set forth. F. The Company and the Purchaser desire to set forth in this Agreement the terms and conditions under which the Purchaser will proceed with the residential development of the Purchaser Project in accordance with and subject to all of the provisions of the LDA, the Design (3) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx Documents (more particularly described in Article VIII below), the Master Plan and all other applicable provisions of this Agreement. H. The Company and the Purchaser desire to provide for the conveyance of the Premises by the Company to the Purchaser as set forth in this Agreement. AGREEMENTS NOW THEREFORE, in furtherance of the foregoing and in consideration of good and valuable consideration and the mutual covenants contained herein, the receipt of which and sufficiency of which is hereby acknowledged, the parties hereto agree as follows: ARTICLE I DEFINITIONS In addition to the terms defined elsewhere herein (including in the Recitals hereto), the following terms shall have the meanings ascribed to them in this Article I for purposes of this Agreement. “Area Median Income” means the median income of the Springfield, MA MSA, as adjusted for family size, as determined from time to time by the U.S. Department of Housing and Urban Development pursuant to Section 8 of the United States Housing Act, as amended. “Business Day” means any day of the week other than Saturday, Sunday, or a federal or state legal holiday. “Closing or Closing Date” means the date for the conveyance of any portion of the Premises from the Company to the Purchaser pursuant to the terms of this Agreement. “Company’s Obligations” shall have the meaning set forth in Section 2.5 of this Agreement. “Company’s Representations” means the representations of the Company set forth in Section 10.1 of this Agreement only. “Construction Contracts” means all contracts for the construction of any portion of the Purchaser Project entered into by the Purchaser or its agents. “Construction Documents” has the meaning set forth in Article VIII of this Agreement. “Commercial Space” means approximately 2,500 square feet of commercial space to be constructed on Parcel B as part of the Purchaser Project. “Design Documents” shall mean the Schematic Design Plans and the Construction Documents as further discussed in Article VIII of this Agreement. (4) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx “Design Guidelines” means “Design Guidelines: Village at Hospital Hill, Northampton, Massachusetts” prepared by Beals and Thomas, Inc. dated July 17, 2003 and revised July 2, 2004 and the Residential Architectural Style Guide prepared by CBT Architects dated July 2007. “Development Requirements” shall have the meaning set forth in Article VII of this Agreement. “Flat Building” means a three-story apartment building consisting of approximately 53 dwelling units and located on Parcel A. “Force Majeure” means (i) events of war, civil commotion, foreign military commitments, (ii) acts of God, fire or other casualty of the elements, (iii) strikes, walkouts, boycotts, shortages of labor, materials or equipment or (iv) other causes beyond the reasonable control of a party, but not including the inability of such party to pay any monetary sum for which it is obligated, regardless of the reason. “Master Plan” means the conceptual master plan, attached hereto as Exhibit B, as such documents may be modified or amended from time to time. “Mixed Use Building” means a three-story building consisting of approximately 12 dwelling units and the Commercial Space and to be located on Parcel B. “Purchaser Project” means, collectively (i) the development of a three-story building consisting of approximately fifty-three (53) residential units on Parcel A and (ii) the development of a mixed-use building consisting of approximately twelve (12) residential units and approximately 2,500 square feet of commercial space on Parcel B. The project shall have no more than sixty-five (65) residential units of which no less than forty percent of the total number of units shall be made available to households earning incomes between 80% and 120% of the Area Median Income. “Unit” means a dwelling unit located in the Flat Building or in the Mixed Use Building. ARTICLE II PURCHASE AND DEVELOPMENT Section 2.1 Agreement to Sell and Purchase. Subject to the terms and provisions of this Agreement, the Company agrees to sell the Premises to the Purchaser, and the Purchaser agrees to purchase and accept the Premises from the Company, all (i) the certain land consisting of an approximately 26.4 acres of land located in Northampton, Hampshire County, Massachusetts and more particularly shown on the Parcel A Plan attached hereto as Exhibit A and (ii) the certain land consisting of an approximately 0.6 acres of land shown as “Lot 20-A” on the Plan, together with all privileges, rights, easements and appurtenances belonging to such parcels of land and all rights, title and interest (if any) of the Company in and to any streets, alleys, passages or other rights of way or appurtenances included in, adjacent to or used in connection with such parcels of land. (5) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx Section 2.2 Purchaser Project. The Purchaser Project shall consist of (i) the permitting, design, construction and leasing of Units in the Flat Building and (ii) the permitting, design, construction and leasing of the Units and Commercial Space in the Mixed-Use Building. No more than thirty-nine (39) Units shall be available to households earning incomes at or below sixty percent (60%) of Area Median Income (“AMI”). No less than twenty-six (26) Units would be available to households earning incomes between eighty percent (80%) and one hundred twenty percent (120%) of AMI; provided that the household income requirements for such 26 Units is consistent with the requirements of federal or state financing to be obtained for the Purchaser Project . The Purchaser Project shall include, without limitation, the following: (a) Permitting, design and construction of the Flat Building and the Mixed Use Building pursuant to the approved Design Documents; (b) Design and construction of associated infrastructure, roadways, pathways as shown on the Conceptual Master Plan, site improvements and landscaping for the Flat Building and the Mixed Use Building; (c) Design, construction and maintenance of certain recreational areas pursuant to the approved Design Documents; (d) Design and construction of necessary low impact development elements and, if required, detention basin, to manage stormwater and surface water on the Premises. The subdivision roadway to be constructed as part of the Purchaser Project shall be designed to public roadway specifications of the City of Northampton and shall be designed in conjunction with and to accommodate the Company’s proposed development of the adjacent 5.9 acre parcel, as shown on the Site Plan, in order to facilitate such future development. The Purchaser acknowledges that the Company would not agree to sell the Premises to the Purchaser except for the commitment of the Purchaser to undertake and complete the construction of the Purchaser Project in accordance with the Development Requirements (as defined in Section 7.1). The Premises is an integral part of the Property, which is being redeveloped by the Company as a mixed-use community and inclusion of the Purchaser Project is critical to the Company’s marketing plans and the overall success of the development of the Property. Accordingly, the Purchaser acknowledges and agrees that its covenants and agreements with respect to the construction of the Purchaser Project on the Premises as contained in this Agreement shall survive the Closing. Moreover, certain residential obligations and restrictions shall be imposed on the Premises as restrictive covenants, in accordance with Article VII of this Agreement, running with the land and binding upon the Purchaser’s permitted successors in title to the Premises. Section 2.3 Stormwater Management. The Purchaser shall use low impact development methods to the maximum extent possible in order to reduce and manage all on-site stormwater or surface water at the Premises. The Purchaser shall be responsible for the retention and drainage of all on-site stormwater or surface water at the Premises and in accordance with the City and all other governmental authorities. The Company shall grant the Purchaser the (6) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx necessary drainage easements for the discharge of on-site stormwater or surface water into the off-site facilities for the retention and drainage of stormwater and surface water provided that: (i) the Purchaser obtains the necessary approvals from the City to discharge into such off-site facilities and (ii) the Purchaser is responsible for all costs and expenses associated with determining the capacity of such off-site facilities and making any necessary adjustments in such off-site facilities in order to provide the necessary capacity of such off-site facilities. If Premises conditions require modification of existing off-site drainage structures by the Purchaser and the Purchaser has obtained all governmental approvals for the alteration of off-site drainage structures on the Company’s land, then the Company shall grant the Purchaser an easement to enter such off-site facilities to complete any approved alterations in accordance with plans and orders as approved by governmental authorities and the Company. Section 2.4 Master Schedule. On or before the date that is thirty (30) days after the date of this Agreement, the Purchaser shall develop and submit to the Company for review and approval a master schedule which sets forth the anticipated timeframe for each component of the design, permitting, construction and leasing required for the completion of the Purchaser Project (the “Master Schedule”). The Master Schedule shall become part of this Agreement without any further amendment or action by the parties. The Purchaser shall update the Master Schedule in the case of any event which would cause a material delay in meeting the milestone dates shown on the Master Schedule, however, failure to meet any interim dates shown on the Master Schedule, shall not constitute a default under the provisions of this Agreement. The Purchaser shall use good faith efforts to complete the Purchaser Project on or before the date that is twenty-four (24) calendar months after the Closing Date (as defined in Section 6.1) (the “Completion Date”). The topcoat of any roadway for the Purchaser Project shall be installed no later than the date that is nine (9) months after the issuance of certificate of occupancy for the Flat Building of Purchaser Project. Without limiting the requirement of the foregoing sentence, all topcoats for all roadways shall be installed no later than the Completion Date. Section 2.5 The Company’s Obligations. The Company shall have no obligation for the preparation or development of the Premises for construction of the Purchaser Project except as set forth below: (a) The Company shall not grant any utility or access easements or any other easements, restrictions or encumbrances over the Premises that would prevent the Purchaser from obtaining certificates of occupancy from the City of Northampton or prevent the Purchaser from constructing the Purchaser Project in accordance with the Design Documents, or substantially increase the cost to develop the Purchaser Project, or otherwise adversely affect the Purchaser’s construction of the Purchaser Project or marketability thereof. (b) The Company shall grant to the Purchaser easements reasonably necessary for the development of the Premises to the extent that such easements do not interfere with or adversely affect the Company Development Activities (as defined in Section 7.3), or the (7) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx Company Approvals (as defined in Section 7.3) provided that such grant shall not be at any additional cost or expense to the Company. Section 2.6 Site Plan Approval. Pursuant to the terms and conditions of the Special Permit Decision on September 26, 2002, which is recorded in the Registry in Book 6835, Page 81, as amended by an Amendment to the Special Permit issued on August 14, 2003 and recorded in the Registry in Book 8024, Page 249, and further amendment on February 19, 2004 in accord with a settlement agreement dated January 30, 2004 (Land Court No. 292406) which is recorded in the Registry in Book 8024, Page 252, and further amended by an Amendment to the Special Permit dated August 6, 2007 and record in the Registry at Book 9282, Page 103 and further amended by the Amendment to Special Permit dated March 6, 2009 and recorded in the Registry in Book 9957, Page 56 (collectively, including the original Special Permit and all Amendments thereto, the “Special Permit”), site plan review and approval by the City of Northampton’s Planning Board is required prior to the issuance of a building permit for any lot on the North Campus. Because Purchaser’s Project shall include the construction of roadways and further subdivision of a portion of the Property known as “Lot 13-A”, the Purchaser is also required to obtain subdivision approval by the City of Northampton’s Planning Board in accordance with Mass. Gen. Laws. C. 41, §81K et seq. Except as extended in accordance with Section 5.7(b), no later than ninety (90) days after the approval (or conditional approval) of the Schematic Design Plans by the Company, the Purchaser, working cooperatively with the Company, and using the Schematic Design Plans submitted by the Purchaser and approved by the Company, pursuant to Section 8.2, shall obtain site plan and subdivision approval for the development lots that constitute the Premises (the “Site Plan Approval”). Within ten (10) Business days of the Company’s issuance of a Notice of Approval or a Notice of Conditional Approval concerning the Schematic Design Plans in accordance with Section 8.2 of this Agreement, the Purchaser shall submit its site plan and subdivision plan applications (collectively, the “Site Plan Application”) to the Company for its reasonable determination that it conforms to the Schematic Design Plans approval and, if so, for its execution of the Site Plan Application. The Company shall have ten (10) Business Days from its receipt of the Site Plan Application to review the application (“Site Application Review Period”). In the event that the Company does not respond to Purchaser’s submittal of the Site Plan Application on or before the end of the Site Plan Application Review Period, the Company shall be deemed to have approved the Site Plan Application, provided that, in submitting the Site Plan Application for review and approval, the Purchaser shall have the following legend prominently at the top of the transmittal letter: “NOTICE PURSUANT TO SECTION 2.6 OF THE LAND DISPOSITION AGREEMENT: IMPORTANT RIGHTS MAY BE LOST BY FAILURE TO ACT PROMPTLY. THIS SUBMISSION WILL BE DEEMED APPROVED 10 BUSINESS DAYS AFTER RECEIPT.” If the Company reasonably determines that the Site Plan Application conforms to the Schematic Design Plan approval, the Company shall execute the Site Plan Application as the owner of the Premises and shall promptly return the signed application to the Purchaser for filing with the City of Northampton Planning Board. If the Company determines that the Site Plan/Subdivision Application requires any modification in order to conform to the Schematic (8) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx Design Plan approval, it shall set forth in writing the specific revisions required (the “Site Plan/Subdivision Review Notice”). The Purchaser shall have thirty (30) days from the receipt of the Site Plan Review Notice to make any modifications to the Site Plan Application and to return the revised Site Plan Application to the Company for signature. The Company shall have ten (10) Business Days from its receipt of the revised Site Plan Application to review the application for conformance with the Schematic Design Plan approval and resolution of any matters set forth in the Site Plan Review Notice (“Revised Site Plan Application Review Period”). In the event that the Company does not respond to Purchaser’s submittal of the revised Site Plan Application on or before the end of the Revised Site Plan Application Review Period, the Company shall be deemed to have approved the revised Site Plan Application, provided that, in submitting the revised Site Plan Application for review and approval, the Purchaser shall have the following legend prominently at the top of the transmittal letter: “NOTICE PURSUANT TO SECTION 2.6 OF THE LAND DISPOSITION AGREEMENT: IMPORTANT RIGHTS MAY BE LOST BY FAILURE TO ACT PROMPTLY. THIS SUBMISSION WILL BE DEEMED APPROVED 10 BUSINESS DAYS AFTER RECEIPT. If the Company determines that the revised Site Plan Application conforms to the Schematic Design Plan approval, the Company shall execute the revised Site Plan Application as the owner of the Premises and shall promptly return the signed application to the Purchaser for filing with the City of Northampton Planning Board. If the Company reasonably determines that the revised Site Plan Application does not conform to the Schematic Design Plan approval or adequately resolve matters set forth in the Site Plan Review Notice, the Company shall set forth, in writing, the areas of such nonconformance and the Purchaser shall have five (5) Business Days from the receipt of such notice to modify further the Site Plan Application accordingly and resubmit such further revised Site Plan Application to the Company for its review. Such review will occur as set forth herein, until the Company reasonably determines that the Purchaser’s revised Site Plan Application conforms to the Schematic Design Plan approval and resolves any matters set forth in the Site Plan Review Notice. Upon the approval (or deemed approval) of the Site Plan Application by the Company, the Company shall execute the Site Plan Application as the owner of the Premises and promptly deliver the same to the Purchaser. The Purchaser shall have five (5) Business Days from its receipt of the signed Site Plan Application to file such application with the City of Northampton Planning Board. The Purchaser shall proceed promptly and with all due diligence to obtain approval of its Site Plan Application by the City of Northampton Planning Board. Section 2.7 ANR Plan Preparation. Parcel A is presently part of the lot known as “Lot 13A” of the Village at Hospital Hill as shown on the Plan. Within sixty (60) days following DHCD’s allocation of LIHTC for the Purchaser Project as set forth in Section 5.7 of this Agreement, the Purchaser shall, at its sole cost and expense, prepare and submit a plan to the City of Northampton Planning Board dividing Lot 13A to create three developable lots as shown on the Parcel A Site Plan attached hereto as Exhibit A: (i) the Premises, (ii) 5.9 Acre Parcel (as defined in Section 2.8 below) and (iii) 1-acre parcel adjacent to Ford Crossing (the “Ford Crossing Parcel”), in accordance with Mass. Gen. Laws c. 41, §§81L and 81P (the “ANR Plan”). The property boundaries on the ANR Plan(s) shall be substantially the same as the property boundaries shown on the approved Site Plan. Prior to the submission of the ANR Plan to the (9) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx City of Northampton Planning Board, the Residential Developer shall submit the ANR Plan to the Company for its written approval. The Company shall have ten (10) Business Days to review the ANR Plan (“ANR Plan Review Period”). The Company shall notify the Residential Developer, in writing, of any comments to the ANR Plan. The Company shall be commercially reasonable in its review of the ANR Plan and shall approve the ANR Plan if it is substantially consistent in all material respects with the approved Site Plan. If the Company fails to notify the Residential Developer of its approval or disapproval of the ANR Plan prior to the end of the ANR Plan Review Period, the Company shall be deemed to have approved the ANR Plan. If the Company notifies the Residential Developer of its disapproval of the ANR Plan setting forth in specific detail its objections to the ANR Plan, the Residential Developer shall revise the ANR Plan(s) and resubmit it to the Company for review in the manner prescribed herein. If the Company approves or is deemed to have approved the ANR Plan, the Residential Developer shall submit the ANR Plan to the City of Northampton Planning Board for endorsement. The Company shall arrange for the recording of the ANR Plan with the Hampshire County Registry of Deeds at the Closing. In the event that the Company intends to convey either the 5.9 Acre Parcel or the Ford Crossing Parcel prior to the Closing, then the Company, in its sole discretion, can either (i) record the ANR Plan with the Hampshire County Registry of Deeds; or (ii) contract with The Berkshire Group, Inc., at its sole cost and expense, to create separate ANR plans for all three lots using the boundary information set forth on the ANR Plan, obtain the necessary endorsements of the City of Northampton Planning Board, and record the ANR plan for the 5.9 Acre Parcel and/or the Ford Crossing Parcel, as applicable, in order to facilitate their respective conveyances. Prior to the endorsement of these ANR plans, the Company shall submit these ANR plans to the Residential Developer for its written approval. The review and approval of these ANR plans shall follow the procedures set forth in the preceding grammatical paragraph. Section 2.8 5.9 Acre Parcel Option. Presently, the Company is considering a proposal for a co-housing development on the 5.9 acre parcel (“Co-Housing Proposal”) adjacent to the Premises and shown as “5.9 Acre Parcel” on the Site Plan (the “5.9 Acre Parcel”). If the Co-Housing Proposal is not accepted by the Company, the Purchaser shall have an exclusive right to propose a residential development for the 5.9 Acre Parcel. On or before November 1, 2017, the Company shall notify the Purchaser of the rejection of the Co-Housing Proposal and Purchaser’s right to submit a proposal concerning the development of the 5.9 Acre Parcel by the Purchaser (“Offer Notice”). The Purchaser shall have ninety (90) days from receipt of the Offer Notice to prepare and submit to the Company a written proposal for the development of the 5.9 Acre Parcel setting forth the proposed development, including purchase price, proposed financing structure and development schedule and responsive to the Company’s preference for a predominately market rate residential development. The Company shall have forty-five (45) days to review and either approve or disapprove such proposal. If the Company approves the Purchaser’s development proposal, the parties shall enter into a residential land disposition agreement on substantially similar terms and conditions as this Agreement or, alternatively, the parties shall amend this Agreement to incorporate the acquisition and development of the 5.9 Acre Parcel into the Purchaser Project. (10) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx If the Company disapproves the proposal, the Company shall provide the Purchaser with a written explanation setting forth the basis for such disapproval and the Purchaser shall have sixty (60) days to provide a revised development proposal which the Company shall review under the timeframe set forth above. If the Purchaser does not provide a revised proposal, the Company and Purchaser shall have no further rights or obligations to each other concerning the 5.9 Acre Parcel, and the Company may proceed to market the 5.9 Acre Parcel for sale and/or development. Section 2.9 Outdoor Recreational Area. The Purchaser intends, as part of the Purchaser Project, to construct a certain outdoor recreational area on Parcel A for the use and enjoyment of all of the lot owners and occupants of Village Hill – North Campus. The Purchaser shall solicit comments and input from the lot owners of Village Hill – North Campus as it determines the scope and design of such recreational area. At the conveyance of Parcel A to the Purchaser, the Purchaser shall grant a public access and use easement to the Village Hill North Landowners’ Association for benefit of the lot owners and occupants of Village Hill – North Campus and for the purpose of allowing such lot owners and occupants to access and use the outdoor recreational area for its designated purposes. Such easement shall include access easement over that portion of Parcel A necessary to reach the recreational area. The outdoor recreational area shall be considered a “Common Area” under the Declaration. Such easement shall provide that the maintenance of the outdoor recreational area will be performed by the Purchaser (or the Purchaser’s agent(s)) and the costs of such maintenance shall be allocated between the Purchaser and the lot owners of Village Hill – North Campus, as reasonably determined by the parties. The portion of the maintenance allocated to the lot owners of Village Hill – North Campus shall be assessed as a Common Expense as such term is defined in the Declaration and shall be allocated to lot owners per their respective common area percentage interests. ARTICLE III PURCHASE PRICE AND DEPOSIT Section 3.1 Purchase Price. The purchase price for the Premises shall be One Million Nine Hundred Thousand Dollars ($1,900,000) (the “Purchase Price”). Subject to adjustments and apportionments as hereinafter set forth, the Purchase Price shall be paid in full at the Closing by wire transfer of immediately available federal funds. Section 3.2 Deposit. No later than the second Business Day following the Effective Date, the Purchaser shall deposit Eighty Thousand and 00/100 Dollars ($80,000.00)] (together with all interest accrued thereon, the “Deposit”) with Nolan Sheehan Patten LLP (the “Escrow Agent”) in accordance with the wiring instructions attached hereto as Exhibit C. The Deposit shall be held in a segregated, interest bearing account pursuant to Section 3.3; provided, however, that until a signed IRS Form W-9 is received by the Escrow Agent from the Purchaser, the Deposit will not be placed into an interest bearing account. The Deposit shall be applied to the Purchase Price if the Closing occurs. In the event that the Closing does not (11) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx occur by the Closing Date, the Deposit shall be disbursed as provided herein. If Purchaser fails to deliver the Deposit to Escrow Agent within two Business Days, this Agreement shall, at Seller’s election, terminate. The term “Business Day” shall mean any day of the week other than Saturday, Sunday, or a federal or state legal holiday. Section 3.3 Escrow Agent. The Escrow Agent shall be subject to the following terms and conditions and no others: (a) Upon receipt of the required W-9 form from the Purchaser, the Escrow Agent shall place the Deposit in an interest-bearing account. Interest at the rate actually earned on the Deposit held in the escrow account shall be credited to the party entitled to receive the Deposit upon delivery of the Deed or upon the return of the Deposit in accordance with the provisions of this Agreement. (b) The duties and obligations of the Escrow Agent shall be determined solely by the express provisions of this Agreement and no other duties or obligations shall be implied against the Escrow Agent. Further, the Escrow Agent shall be under no obligation to refer to any other document between or among the Purchaser and the Company related in any way to this Agreement, unless the Escrow Agent is provided with a copy of such document and consents thereto in writing. (c) The Escrow Agent shall not be liable to anyone by reason of any error in judgment, or for any act done or step taken or omitted by the Escrow Agent in good faith, or for any mistake of fact or law, or for anything which the Escrow Agent may do or refrain from doing in connection herewith, unless caused by or arising out of the Escrow Agent’s actual and intentional misconduct. (d) The Escrow Agent shall be entitled to rely, and shall be protected in acting in reliance, upon any writing furnished to the Escrow Agent by either the Purchaser or the Company and shall be entitled to treat as genuine, and as the document it purports to be, any letter, paper or other document furnished to the Escrow Agent. In connection with its role as escrow agent, the Escrow Agent may rely on any affidavit of either the Purchaser or the Company or any other person as to the existence of any facts stated therein to be known by the affiant. (e) In the event the Escrow Agent is notified in writing of any disagreement between the Purchaser and the Company resulting in adverse claims and demands being made in connection with or against the funds held in escrow, the Escrow Agent shall be entitled, at the Escrow Agent’s option, to refuse to comply with the claims or demands of either party until such disagreement is finally resolved (i) by a court of competent jurisdiction in proceedings which the Escrow Agent or any other party may initiate, it being understood and agreed by the Purchaser and the Company that the Escrow Agent has authority, but no obligation, to initiate such proceedings, or (ii) by an arbitrator in the event that the Purchaser and the Company determine to submit the dispute to arbitration pursuant to the rules of the American Arbitration Association, and in so doing the Escrow Agent shall not be or become liable to any party, or (iii) by written settlement between the Purchaser and the Company. (12) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx (f) The Purchaser and the Company each agree jointly and severally to indemnify and hold harmless the Escrow Agent against any and all losses, liabilities, costs (including legal fees) and other expenses in any way incurred by the Escrow Agent in connection with or as a result of any disagreement between the Purchaser and the Company under this Agreement or otherwise incurred by the Escrow Agent in any way on account of its role as escrow. (g) The Purchaser and the Company acknowledge that the Escrow Agent also represents the Company in connection with the transactions contemplated by this Agreement. The Purchaser agrees that in the event of any dispute regarding the Deposit, the Escrow Agent shall nevertheless be entitled to continue to represent the Company. (h) Unless superseded by a written, mutual agreement of the parties or by a final order by a court of competent jurisdiction, the Escrow Agent shall disburse the Deposit in accordance with the provisions of this Agreement. (i) The Purchaser and the Seller each certify to the Escrow Agent that it does not engage in any "internet gambling" business or related activities, which means any activity by which any bet or wager is placed, received or otherwise knowingly transmitted that involves the use, at least in part, of the Internet. The Purchase and Seller each further certify to the Escrow Agent that it will immediately notify the Escrow Agent if there is any change in its business or activities that would make the foregoing certification untrue. ARTICLE IV VILLAGE AT HOSPITAL HILL-NORTH Section 4.1 Village at Hospital Hill–North. The Company subjected the North Campus to covenants contained in the Declaration (as defined in Recital B hereto). The Purchaser acknowledges having received and reviewed with its counsel copies of the Declaration, By-Laws of Village at Hospital Hill–North Association and related documents. Section 4.2 Village at Hospital Hill–North Association. The Company created the Village at Hospital Hill–North Association (“North Campus Association”), an association of the owners of individual lots comprising the North Campus to maintain Village Hill Road, until accepted by the City of Northampton, the culverts and detention areas, the easement areas and drainage facilities, and any shared parking lots and utilities for the North Campus. Section 4.3 Common Expenses. The Common Expenses budget, attached hereto as Exhibit D, has been prepared in accordance with standard property management practices and the Seller believes that such budget represents a materially accurate good faith estimate of what actual common expenses will be incurred by the North Campus Association for Calendar Year 2017, but the Seller does not guaranty or warrant the accuracy of such projections or expectations. (13) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx ARTICLE V PRECONVEYANCE ACTIVITIES Section 5.1. Title. The Company and the Purchaser acknowledge that a copy of the Owner’s Policy of Title Insurance issued by Lawyers Title Insurance Corporation to the Company with respect to the Property dated December 10, 2002 (the “Company Title Policy”) has been previously furnished by the Company to the Purchaser. Within five (5) Business Days after the Effective Date, the Purchaser shall cause a title company qualified to do business in the Commonwealth of Massachusetts (the “Title Company”) to commence with preparing, at the Purchaser’s expense, a commitment for title insurance in the amount of the Purchase Price (the “Title Commitment”) to the Purchaser and the Company, together with copies of all instruments referred to thereon as exceptions to title. The Purchaser shall have until the date that is thirty days (30) after the Effective Date (the “Title Objection Date”) to give the Company a written notice (the “Title Objection Notice”) that sets forth in reasonable detail any objections that the Purchaser has to title matters affecting the Premises including, without limitation, objections to the Permitted Encumbrances (defined at Section 5.2) (the “Purchaser Title Objections”); provided, however, that the Purchaser shall have no right to object to (i) all matters, whether or not of record, that arise out of the actions of the Purchaser or its agents, representatives or contractors or (ii) all matters that the Title Company is willing to insure over without additional premium or indemnity and which, in the exercise of the Purchaser’s reasonable business judgment, do not have a material adverse impact on the ownership, value or marketability of the Premises. The Company shall have ten (10) business days from its receipt of the Title Objection Notice (the “Company’s Title Election Period”) to give the Purchaser notice as to whether the Company elects to use reasonable efforts to cure the Purchaser Title Objections by the Closing Date (as defined in Section 6.1). If the Company fails to give the Purchaser written notice of such election on or before 5:00 pm on the last day of the Company’s Title Election Period, the Company shall be deemed to have elected not to attempt to cure the Purchaser Title Objections. If the Company elects or is deemed to have elected not to attempt to cure any one or more of the Purchaser Title Objections, the Purchaser Title Objections shall constitute Permitted Encumbrances (defined below) and the Purchaser shall have until the end of the Due Diligence Period to determine whether to take title to the Premises subject to such matters in accordance with Section 5.2. or to terminate this Agreement (the “Purchaser’s Title Election Period”). If the Purchaser elects to terminate this Agreement by giving written notice of such election on or before 5:00 pm on the last day of the Purchaser’s Title Election Period, then the Deposit shall be immediately returned to the Purchaser and except for the Purchaser’s Surviving Obligations, the Purchaser and the Company shall have no further obligations or liabilities under this Agreement. If the Company elects to use reasonable efforts to cure any one or more of the Purchaser Title Objections, the Company shall have until the Closing Date to complete such cure, failing which the Purchaser shall have the option of either accepting the title as it then is or demanding a refund of the Deposit, which shall immediately be returned to the Purchaser; thereupon, except for the Purchaser’s Surviving Obligations, the Purchaser and the Company shall have no further (14) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx obligations or liabilities under this Agreement. If the Company elects to use reasonable efforts to cure any one or more the Purchaser Title Objections, the Company shall use reasonable efforts to correct such Purchaser Title Objections on or before the Closing Date, except that (y) the Company shall in no event be required to bring suit to clear any claimed title defects and (z) except for any voluntary encumbrances, the Company shall not be required to expend more than a total of Ten Thousand and 00/100 Dollars ($10,000) to cure the Purchaser Title Objections. Any mortgage or deed of trust granted or assumed by the Company and encumbering the Premises or any portion thereof will be satisfied by the Company on or prior to the Closing Date or, if not so satisfied, shall be satisfied at such Closing out of the proceeds otherwise payable to the Company in accordance with customary conveyancing standards and subject to reasonable requirements of the Title Company. Section 5.2 Permitted Encumbrances. If the Purchaser does not terminate this Agreement pursuant to Section 5.1, the following matters shall be deemed accepted by the Purchaser and shall be referred to herein as “Permitted Encumbrances”: (a) All matters disclosed in the Company Title Policy that are applicable to the Premises, survey and other title materials, if any, delivered by the Company to the Purchaser and all matters disclosed in the Title Commitment and to which the Purchaser does not object or is deemed to have accepted pursuant to Section 5.1; (b) If the Purchaser fails to obtain the Title Commitment before the end of the Due Diligence Period, all matters of public record as of the last day of the Due Diligence Period, other than the Company’s mortgages, if any; (c) Any liens for municipal assessments or betterments assessed after the Effective Date; (d) The provisions of any building, zoning, subdivision and similar laws applicable to the Premises; (e) The Company expressly reserves the right of access over the Premises and shall reserve temporary and permanent easements burdening the Premises to the extent deemed necessary or appropriate by the Company in connection with the Company Development Activities, as defined in Section 7.3, carried out by the Company and/or its contractors on other portions of the Property provided that the exercise by the Company of such right of access shall not materially interfere with the development of the Premises by the Purchaser for residential purposes, including the reservation of easements rights for the benefit of the general public over the pathways to be constructed by the Purchaser in accordance with this Agreement and any Site Plan Approval from the Planning Board of the City of Northampton and the reservation of easement rights over the roadway for the Premises for the benefit of the use and development of the adjacent parcels; (15) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx (f) The Company and the Purchaser agree that the Premises shall be conveyed by the Company to the Purchaser together with appurtenant easement rights set forth in a Reciprocal Easement Agreement dated November 25, 2002, recorded on December 10, 2002 in the Registry at Book 6925, Page 305, as amended, to the extent applicable to and for the benefit of the Premises; (g) A restrictive covenant setting forth certain development obligations of the Purchaser as set forth in Articles VII and VIII below (the “Restrictive Covenant”); and (h) An amendment to the Declaration, as further described in Section 7.3(e). At the Closing, title to the Premises shall be conveyed to the Purchaser subject only to the Permitted Encumbrances. Section 5.3 Due Diligence Period. The Purchaser shall have one hundred twenty (120) days from the Effective Date (the “Due Diligence Period”) to physically inspect the Premises, conduct engineering studies, conduct soil tests, conduct underwriting analyses, conduct surveys, conduct appraisals and obtain financing, conduct environmental studies, including any Phase II environmental Premises assessments, soil borings or other invasive tests on or around the Premises and examine the Premises for the presence of Hazardous Materials, to determine whether the Premises is threatened from an off Premises source of Hazardous Materials, and to otherwise conduct such due diligence review of the Premises and all records and other materials related thereto as the Purchaser, in its absolute discretion, deems appropriate (hereinafter collectively referred to as the “Inspections”). The Purchaser shall be responsible for all other costs and expenses associated with the Inspections. In accordance with Section 10.4 of this Agreement, the Company shall make available the Reports (as defined in Section 10.4) available for review by the Purchaser. The Purchaser may copy such reports at its sole cost and expense. If, between the date of this Agreement and the end of the Due Diligence Period, the Purchaser shall determine, for any reason in its sole discretion, that the Purchaser Project cannot be constructed as contemplated by this Agreement or is not financially feasible, then the Purchaser shall be entitled to terminate this Agreement by giving written notice thereof to the Company prior to the expiration of the Due Diligence Period, and thereupon the Deposit promptly shall be returned to the Purchaser and, except for the Purchaser’s Surviving Obligations, the Company and the Purchaser shall have no further obligations or liabilities to each other hereunder. If the Purchaser fails to give such notice on or before 5:00 p.m. on the last day of the Due Diligence Period, it shall conclusively be deemed to have elected to waive its right to terminate this Agreement under this Section 5.3 and shall be obligated to purchase the Premises in accordance with the terms hereof. The term “Hazardous Materials” shall mean any substance which is or contains: (i) any “hazardous substance” as now or hereafter defined in the Comprehensive Environmental Response, Compensation, and Liability Act of 1980, as amended (42 U.S.C. §9601 et seq.) or any regulations promulgated thereunder; (ii) any “hazardous waste” as now or hereafter defined in the Resource Conservation and Recovery Act (42 U.S.C. § 6901 et seq.) or regulations promulgated thereunder; (iii) any substance regulated by the Toxic Substances Control Act (15 (16) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx U.S.C. § 2601 et seq.); (iv) gasoline, diesel fuel or other petroleum hydrocarbons; (v) asbestos and asbestos containing materials, in any form, whether friable or nonfriable; (vi) polychlorinated biphenyls; (vii) radon gas; and (viii) any additional substances or materials which are now or hereafter classified or considered to be hazardous or toxic under any laws, ordinances, statues, codes, rules, regulations, agreements, judgments, orders and decrees now or hereafter enacted, promulgated, or amended, of the United States, the states, the counties, the cities or any other political subdivisions in which the Premises is located and any other political subdivision, agency or instrumentality exercising jurisdiction over the owner of the Premises, the Premises or the use of the Premises relating to pollution, the protection or regulation of human health, natural resources or the environment, or the emission, discharge, release or threatened release of pollutants, contaminants, chemicals or industrial, toxic or hazardous substances or waste into the environment (including ambient air, surface water, ground water or land or soil). Section 5.4 Access. During the Due Diligence Period, the Purchaser, personally or through its authorized agent or representative, shall be entitled upon reasonable advance notice to the Company to enter upon the Premises during normal business hours and shall have the right, at its sole cost and expense, to make the Inspections, as the Purchaser deems necessary or advisable, subject to the following limitations: (a) such access shall not violate any law or agreement to which the Company is a party or otherwise expose the Company to a material risk of liability; (b) the Purchaser shall give the Company written notice at least two (2) Business Days before conducting any inspections of the Premises, and a representative of the Company shall have the right, but not the obligation, to be present when the Purchaser or its representatives conducts its or their investigations on the Premises. Such notice may be given by electronic mail. Such notice must be given to Beth Murphy, MassDevelopment, 1350 Main Street, Suite 1110, Springfield, MA 01103, emurphy@massdevelopment.com; (c) neither the Purchaser nor its agents shall damage the Premises or any portion thereof; (d) unless the Company agrees otherwise, before the Purchaser or its agents enter onto the Premises, the Purchaser (or its agents) shall deliver to the Company a certificate of insurance naming the Company and the Company’s members, Massachusetts Development Finance Agency and The Community Builders, Inc., as additional insureds, evidencing (i) commercial general liability, including personal injury, death and property damage and if applicable, product liability/completed operations coverage in the minimum amount of $1,000,000 per occurrence and $2,000,000 in the aggregate; (ii) automobile liability coverage for owned, hired and non-owned vehicles in the minimum amount of $1,000,000 per occurrence combined single limit; (iii) workers’ compensation for all its employees in the statutorily required amounts, with employers liability of $500,000.00 or more; (iv) umbrella liability having limits of $1,000,000 per occurrence and $1,000,000 aggregate; and, prior to any invasive environmental testing, (v) pollution liability insurance in the minimum amount of $1,000,000 per occurrence and $2,000,000 in the aggregate, issued by an insurance company qualified to do business in the Commonwealth of Massachusetts and having a rating of at least “A-VIII” by A.M. Best Company; (e) the Purchaser shall restore the Premises to substantially the same condition it was in prior to the exercise by the Purchaser of its access and inspection rights granted under this Article IV, including the removal of all materials, groundwater monitoring wells, if permitted as set forth herein, equipment and machinery and all other items brought onto the Premises by the Purchaser and/or its agents or contractors; (f) the Purchaser shall not install any groundwater monitoring wells on the Premises without the Company’s prior written approval; (g) the Purchaser shall provide immediate notification to the (17) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx Company of potential contamination discovered by geotechnical or environmental investigation; (h) the Purchaser shall be solely responsible for all costs and expenses associated with the exercise of the rights granted under this Section 5.4, including any costs associated with obtaining any permits, licenses or similar approvals necessary to undertake and/or complete its Inspections; (i) the Purchaser shall use reasonable efforts to perform all on-site due diligence reviews in an expeditious and efficient basis; and (j) the Purchaser, to the fullest extent permitted by law, shall indemnify, hold harmless and defend the Company and the Company’s members, and their respective agents, officers, members, directors, trustees, advisors, managers and employees (the “Company Parties”) against, and hold the Company Parties harmless from, all loss, liability, claims, costs (including reasonable attorneys’ fees), liens and damages resulting from or relating to the activities of the Purchaser or its agents or contractors under this Article IV. The foregoing indemnification obligation shall survive the Closing or termination of this Agreement. Section 5.5 Confidentiality. The Purchaser shall hold all information concerning the Premises and the Company, excluding information that is available to the general public from sources other than disclosure by the Purchaser or its agents in violation of this Agreement (“Confidential Information”), in confidence and shall not at any time disclose or permit the disclosure of the Confidential Information to any person or entity without the Company’s prior written consent. The Purchaser further agrees to use the Confidential Information only for purposes of evaluating the Premises in connection with its purchase thereof in accordance with the terms of this Agreement. Notwithstanding the foregoing, (i) the Purchaser may disclose the Confidential Information to its legal counsel, accountants, lenders and similar third parties that need to review the Confidential Information in connection with the Purchaser’s purchase of the Premises in accordance with the terms of this Agreement, and (ii) the Purchaser may disclose the Confidential Information to the extent that such disclosure is required by law or court order, provided that the Purchaser first shall provide written notice thereof to the Company. If this Agreement is terminated before the Closing, the Purchaser promptly shall return the Confidential Information to the Company and shall not retain copies thereof. At the Company’s request, the Purchaser shall provide the Company with complete copies of all third party engineering and environmental reports obtained by the Purchaser in connection with the Premises at no cost to the Company. Neither the Company nor the Purchaser shall make any public announcements or issue any press releases or other publicity concerning the intended development or sale of the Premises pursuant to this Agreement without first obtaining the prior written consent of the other. All proposed public announcements, press releases or other publicity materials prepared by or produced for the Purchaser shall be sent to Elizabeth Murphy at emurphy@massdevelopment.com and Kelsey Abbruzzese at kabbruzzese@massdevelopment.com. All proposed public announcements, press releases or other publicity materials prepared by or produced for the Company shall be sent to Eliza Edelsberg Datta at edatta@tcbinc.org and Rachana Crowley at rcrowley@tcbinc.org. Within five (5) business days following the receipt of such materials, the Company or the Purchaser, as applicable, shall approve or disapprove such materials and shall provide a detailed written explanation of any disapproval. Following the receipt of any disapproval, the Purchaser or the Company, as applicable, shall make the necessary revisions to the proposed publicity materials (18) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx and shall resubmit to the other party for review and approval. No publicity materials shall be published or circulated to the general public, media or any individuals without the prior approval of the other party. Subject to the foregoing, the Purchaser shall have the right to freely use, share and distribute any plans for, photographs of or information concerning the buildings, structures and improvements built or to be built by the Purchaser on the Premises, it being the intent of the Purchaser to reserve all copyrights and other intellectual property connected therewith. The provisions of this paragraph shall survive the Closing or termination of this Agreement. Section 5.6 Reporting. In the event that the Purchaser’s due diligence reveals any condition of the Premises that in the Purchaser’s judgment requires disclosure to any governmental agency or authority, the Purchaser shall immediately notify the Company thereof. In such event, the Company, and not the Purchaser or anyone acting on the Purchaser’s behalf, shall make such disclosures as the Company deems appropriate. Notwithstanding the foregoing, the Purchaser may disclose matters concerning the Premises to a governmental authority if, (a) in the written opinion of the Purchaser’s outside legal counsel, the Purchaser is required by law to make such disclosure, and (b) the Purchaser gives the Company not less than ten (10) days prior written notice of the proposed disclosure, together with a copy of such legal opinion, except in the case of an Imminent Hazard, as defined by 310 CMR §40.0321, wherein the Purchaser’s LSP determines that two hour notification of the Department of Environmental Protection is required pursuant to applicable law in which case the Purchaser shall be required to notify the Company, by telephone, prior to such disclosure. Section 5.7 Contingencies. (a) Financing Contingency. It is a condition to the Purchaser’s obligation to purchase the Premises that the Purchaser is able to obtain the necessary combination of Low Income Housing Tax Credit (“LIHTC”) awards and/or any supplemental funding through the Department of Housing and Community Development (“DHCD”) (“Equity Financing”) and construction and permanent debt financing, including financing through the MassHousing Workforce Housing program (“Debt Financing”) commitments for the construction of the Purchaser Project and the leasing of the Premises. Purchaser covenants to use good faith efforts to secure the following Equity Financing and Debt Financing: (i) Equity Financing. If required by the Massachusetts Department of Housing and Community Development (“DHCD”) under the applicable qualified allocation plan (“QAP”), the Purchaser shall submit a pre-application for a LIHTC allocation to DHCD on or before December 15, 2017 or such date as specified in the QAP. If DHCD approves such pre-application, or if such pre-application is not required by DHCD, then the Purchaser shall file a One Stop Housing Application for the Purchaser Project with the Massachusetts Department of Housing and Community Development (“DHCD”) on or before February 1, 2018, or by such other date that DHCD may set for the 2018 rental round for applications requesting an allocation of 9% LIHTC for the Purchaser Project (“First Round”). The First Round One Stop Application shall also include a request for DHCD soft money funding, including but not limited to Affordable Housing Trust Funds (“Additional (19) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx Funds Request”). It is anticipated that DHCD will announce its First Round LIHTC awards during the third calendar quarter of 2018. In the event DHCD does not approve the pre-application of the Purchaser or the Purchaser fails to receive an award from DHCD, consistent with its request under the One Stop Housing Application, as a result of this First Round, the Purchaser shall be required to submit another pre-application, if applicable, and/or another One Stop Housing Application with DHCD prior to the deadline for the next round of LIHTC application submittals (“Second Round”). The Second Round One Stop Housing Application shall include all of the information required for the First Round One Stop Housing Application, including, without limitation, the Additional Funds Request. The Purchaser shall provide an electronic copy of the First Round and Second Round One Stop Application and Additional Funds Request to the Company within five (5) days prior to submittal to DHCD for the applicable Round to allow for the Company’s review and comment. An electronic copy shall be sent to the attention of Elizabeth Murphy at emurphy@massdevelopment.com, Richard Henderson at rhenderson@massdevelopment.com and Victoria Maguire at vmaguire@massdevelopment.com. Notwithstanding any other provisions hereof, in the event Purchaser fails to receive an award from DHCD, consistent with its request under the pre- application or the Second Round One Stop Housing Application and including the approval of the Additional Funds Request to the extent necessary to finance the Purchaser Project, on or before December 31, 2019, this Agreement shall terminate on December 31, 2019, unless the Purchaser provides written notice to the Company prior to December 31, 2019 of its desire to submit another pre-application, if applicable, and another One Stop Housing Application to DHCD prior to the deadline for the next round of LIHTC application submittals (the “Third Round”). In such event, the Purchaser shall schedule a meeting with the Company to review and discuss any information provided to the Purchaser by DHCD concerning the Purchaser’s Second Round pre-application and/or One Stop Housing Application and any required or suggested amendments to the Second Round pre-application or One Stop Housing Application. Thereafter, but no later than thirty (30) days prior to the submission of the Third Round One Stop Housing Application and Additional Funds Request, the Purchaser shall submit such application to the Company for its review and approval. The Company shall have ten (10) business days to review the Third Round One Stop Housing Application (the “Third Round Application Review Period”) and, provided that, such application is consistent with the prior discussions between the Purchaser and the Company and is responsive to any comments or directives of DHCD, the Company shall approve such application. If the Company disapproves the Third Round One Stop Housing Application, the parties shall meet no later than five (5) business days after the Purchaser’s receipt of the Company’s notice of disapproval to discuss and resolve the issues set forth in such notice of disapproval. If the Company fails to provide (20) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx written notice of such approval by the end of the Third Round Application Review Period, such application will be deemed approved, provided that, in submitting the Third Round One Stop Housing Application for review and approval, the Purchaser shall have the following legend prominently at the top of the transmittal letter: “NOTICE PURSUANT TO SECTION 5.7(a)(i) OF THE LAND DISPOSITION AGREEMENT: IMPORTANT RIGHTS MAY BE LOST BY FAILURE TO ACT PROMPTLY. THIS SUBMISSION SHALL BE DEEMED APPROVED 10 BUSINESS DAYS AFTER RECEIPT. Upon written notice of such approval (or upon deemed approval), $50,000 of the Deposit held by the Escrow Agent in accordance with Section 3.3 of this Agreement, shall become non-refundable and shall be retained by the Company regardless of whether the Premises is sold to the Purchaser per the terms of this Agreement. Notwithstanding any other provisions hereof, in the event Purchaser fails to receive an award from DHCD, consistent with its request under the Third Round One Stop Housing Application and including the approval of the Additional Funds Request to the extent necessary to finance the Purchaser Project, on or before December 31, 2020, this Agreement shall terminate on December 31, 2020, without any further action required of the parties hereunder, and except for any obligations of either party which survive such termination as specified herein, the Company and the Purchaser shall have no further obligations or liabilities to each other hereunder, The Company shall provide a letter of support for the Purchaser’s One Stop Application, if requested by the Purchaser. Within five (5) business days of the submission of any One Stop Housing Application to DHCD, the Purchaser shall provide an electronic copy of such application to the Company. An electronic copy shall be sent to the attention of Elizabeth Murphy at emurphy@massdevelopment.com, Richard Henderson at rhenderson@massdevelopment.com and Victoria Maguire at vmaguire@massdevelopment.com. (ii) Debt Financing. The Purchaser shall use its good faith efforts to obtain construction and permanent financing on commercially reasonable terms and conditions from recognized commercial lending institutions or public financing providers in such amounts which, when combined with the Equity Financing, is reasonably sufficient to ensure the economic feasibility of the Project. The Purchaser shall apply for such Debt Financing at or around the same time it submits its One Stop Application for the First Round and, if applicable or necessary, the Second Round and the Third Round. In the event the Purchaser obtains Equity Financing, but is unable to obtain a binding commitment for its required Debt Financing by the earlier of (i) the date that is 180 days from the date of DHCD’s letter of conditional allocation of LIHTC or (ii) December 31, 2019 (or if a Third Round One Stop (21) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx Application is submitted, December 31, 2020), then this Agreement shall terminate on the earlier of the dates in (i) and (ii) without any further action required of the parties hereunder. Except for any obligations of either party which survive such termination as specified herein, the Company and the Purchaser shall have no further obligations or liabilities to each other hereunder. The Company shall provide a letter of support for the Purchaser’s debt financing application(s), if requested by the Purchaser. (b) Permitting Contingency. It is a condition to the Purchaser’s obligation to purchase the Premises that the Purchaser obtains all necessary federal, state and local permits (excluding a building permit) and approvals (the “Permits”), including without limitation permits and approvals from the City for the construction of the Purchaser Project provided Purchaser promptly applies for and diligently pursues the Permits. Provided the Company does not incur any additional engineering or legal costs or expenses, the Company shall use reasonable efforts to cooperate with the Purchaser in the Purchaser’s efforts to obtain Permits, including Site Plan Approval, by signing any necessary applications that require the Purchaser’s signature in order to be submitted properly and participating in meetings with the City’s Planning Department or Planning Board, if necessary. The Purchaser shall have ninety (90) days from the approval or conditional approval of the Schematic Design Plans by the Company (pursuant to Section 8.3) (the “Permitting Contingency Period”) to obtain the Permits. The Company and the Purchaser agree that the Purchaser shall not be deemed to have obtained the Permits until the expiration of all appeal periods with respect to the Permits where no appeals have been taken with respect to the Permits or upon a final judgment by a court of competent jurisdiction on any appeal of any decision. If the Purchaser is unable to obtain the Permits prior to the end of the Permitting Contingency Period and the Purchaser had promptly applied for and diligently pursued the Permits, then the Purchaser shall be entitled to either (i) request an extension of the Permitting Contingency Period to the extent that such extension is necessary due to the scheduling of any hearing by the City’ Planning Board or the expiration of any appeal period, or the conclusion of any appeal filed by any abutter to the Premises by giving written notice thereof to the Company prior to the expiration of the Permitting Contingency Period, or (ii) terminate this Agreement by giving written notice thereof to the Company prior to 5:00 p.m. on the last day of the Permitting Contingency Period. Upon a request for extension, the Company shall grant an extension for a period of time sufficient for the holding of the City’s Planning Board hearing and the running of any appeal period for any decision therefrom or for any appeal period not yet concluded or for a final judgment by a court of competent jurisdiction on any appeal of any decision therefrom. Upon notice of termination, the Deposit promptly shall be returned to the Purchaser and, except for the Purchaser’s Surviving Obligations, the parties shall have no further obligations or liabilities to each other hereunder. If the Purchaser fails to give notice prior to 5:00 p.m. on the last day of the Permitting Contingency Period, it shall exclusively be deemed to have elected to waive its right to terminate this Agreement under this Section 5.7 and shall be obligated to purchase the Premises in accordance with this Agreement. Section 5.8 Preconveyance Conditions. Prior to the Closing Date and the commencement of the construction of the Purchaser Project, the fulfillment of the conditions set forth in this Section 5.8 are required unless waived in whole or in part by written mutual agreement of the Company and the Purchaser: (“Preconveyance Conditions”): (22) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx (a) the Purchaser must prepare and the Company must review and approve the Construction Documents for the Purchaser Project pursuant to Article VIII; (b) the Purchaser shall obtain the necessary Site Plan Approval from the City of Northampton Planning Board for the construction of the Purchaser Project pursuant to Section 2.6 hereof, including Subdivision Plans endorsed by the City of Northampton; (c) issuance of initial building permits to the extent required by the Purchaser’s lenders and, provided that, the Purchaser diligently applies for and pursues the issuance of such initial building permits. Upon the occurrence (or waiver) of the Preconveyance Conditions set forth herein, the Company shall convey the Premises to the Purchaser, for the construction and development of the Purchaser Project, in accordance with all of the provisions of Article VI below. ARTICLE VI CONVEYANCE OF THE PREMISES Section 6.1 Closing Date. The closing (the “Closing”) shall take place at 10:00 a.m. on the date that is up to twenty (20) days after the satisfaction (or waiver) of the Preconveyance Conditions, but in no event later than December 31, 2020 (“Closing Date”). The parties, by mutual agreement, may accelerate the Closing Date to an earlier date even though all of the Preconveyance Conditions have not been satisfied. The Company shall convey the Premises to the Purchaser on the Closing Date (the “Conveyance”). Section 6.2 The Company’s Deliveries. At the Closing, the Company shall deliver or cause to be delivered to the Purchaser, at the Company’s sole expense, each of the following items, each executed and acknowledged to the extent appropriate: (a) The Release Deed (the “Deed”) substantially in the form attached hereto as Exhibit E, subject to the Permitted Encumbrances; (b) A non-foreign person affidavit sworn to by the Company as required by Section 1445 of the Code; (c) A certificate updating the Company Representations substantially in the form of Exhibit F-1; (d) Such evidence or documents as may be reasonably required by the Title Company relating to: (i) mechanics’ or materialmen’s liens; (ii) parties in possession; and (iii) the status and capacity of the Company and the authority of the Person or Persons who are executing the various documents on behalf of the Company in connection with the sale of the applicable portion of the Premises; (23) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx (e) Any easement agreement(s) or license agreement(s) required by this Agreement; (f) Certificate(s) from Village at Hospital Hill—North Association that all common expenses are paid through the Closing Date for the Premises; (g) A duly-executed Closing Statement; and (h) Such documents as may be reasonably required by the Purchaser’s Lender. Section 6.3 The Purchaser’s Deliveries. At the Closing, the Purchaser shall deliver to the Company the following items: (a) Immediately available federal funds sufficient to pay that portion of the Purchase Price required to be paid at the Closing pursuant to Section 3.1 (less the Deposit, and subject to apportionments and adjustments as set forth herein) and the Purchaser’s share of all escrow costs and closing expenses; (b) Duly executed and acknowledged originals of the Closing Statement; (c) A certificate updating the Purchaser Representations substantially in the form of Exhibit _F-2; and (d) Such evidence or documents as may reasonably be required by the Title Company evidencing the status and capacity of the Purchaser and the authority of the Person or Persons who are executing the various documents on behalf of the Purchaser in connection with the purchase of the applicable portion of the Premises. Section 6.4 Costs and Prorations. (a) General. Subject to Section 6.4(b), real estate taxes, if any, and assessments allocable to the payment period that includes the Closing Date with respect to the applicable portion of the Premises shall be prorated between the Company and the Purchaser as of the Closing Date in accordance with this Section 6.4. All such items attributable to the period prior to the Closing Date shall be credited or charged to the Company, and all such items attributable to the period commencing on the Closing Date shall be credited or charged to the Purchaser. (b) Taxes and Common Expenses. There shall be no adjustment for real estate taxes as the Company’s real property is currently exempt from real estate taxes, given that its members are a public instrumentality of the Commonwealth of Massachusetts, duly established and existing by virtue of Mass. Gen. Laws C. 23G, and a 501(c)(3) corporation, but there shall be an adjustment for the portion of the stormwater assessment tax imposed by the City of Northampton and attributable to the Premises. The North Campus Association’s common expenses for the Premises for the then current month attributable to the applicable portion of the Premises, as of the Closing Date, and the net amount thereof shall be added to or deducted from, as the case may be, the purchase price payable by the Purchaser at the Closing. The Company shall be obligated (24) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx to pay any regular monthly North Campus Association common expenses for the applicable portion of the Premises due from the date of the creation of the North Campus Association but not including date of the Closing. (c) Initial Capital Account Payment. At the time of the delivery of the Deed, the Purchaser shall pay Five Hundred and 00/100 Dollars ($500.00) per lot as an initial capital account payment. The Purchaser acknowledges that the purpose of this deposit is to provide working capital to the North Campus Association and such deposit is not a prepayment of any common expenses charges from the Purchaser to the North Campus Association. (d) Closing Statement. The Purchaser and the Company shall cooperate to produce prior to the Closing Date a schedule of prorations and closing costs that is as complete and accurate as reasonably possible (the “Closing Statement”). All adjustments to any estimated prorations shall be made by the parties with due diligence and cooperation within sixty (60) days following the Closing by prompt cash payment to the party yielding a net credit from such prorations from the other party. (e) Closing Costs. The Purchaser and the Company shall each pay their own legal fees related to the preparation of this Agreement and all documents required to settle the transaction contemplated hereby. The Purchaser shall pay (i) all costs associated with its due diligence, including the cost of appraisals, architectural, engineering, credit and environmental reports, (ii) all title insurance premiums and charges and all title examination costs, (iii) all survey costs, (iv) all environmental assessment costs, and (v) all permitting costs. All other customary purchase and sale closing costs shall be paid by the Company or the Purchaser in accordance with the custom in the jurisdiction where the Premises is located. Section 6.5 Possession. Possession of the Premises shall be delivered to the Purchaser by the Company at the Closing, subject only to the Permitted Encumbrances. Section 6.6 Commissions. The Company and the Purchaser represent and warrant to each other that no brokerage fee or real estate commission is or shall be due or owing in connection with the sale of Parcel A, and the Company and the Purchaser hereby agree to indemnify and hold the other harmless from any and all claims of any broker or agent based on action or alleged action of the other. As to Parcel B, if and when, but only if and when, the Closing is completed and the Purchase Price is paid in full, the Company shall be obligated to pay a real estate commission and/or brokerage fee to Colebrook Realty Services (the “Company’s Broker”) in accordance with a separate agreement between the Company and the Company’s Broker. The Company’s Broker shall indemnify the Company and the Purchaser against all claims, costs and liability relating to any broker or other Person claiming by, through or under the Company’s Broker. Such commissions shall be paid in full at Closing. By execution of this Agreement, the Company’s Broker agrees to the foregoing matters. The Company and the Purchaser represent and warrant to each other that no other brokerage fee or real estate commission is or shall be due or owing in connection with this transaction, and the Company and the Purchaser hereby indemnify and hold the other harmless from any and all claims of any other broker or agent based on action or alleged action of the other. The provisions of this paragraph shall survive the Closing. (25) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx ARTICLE VII CONSTRUCTION OF PURCHASER PROJECT Section 7.1 Development Requirements. (a) Development Requirements. The Company and the Purchaser acknowledge and agree that the LDA, the Declaration, the Design Documents, the Master Plan and this Agreement set forth a number of obligations, requirements, restrictions and other terms and conditions that are applicable to the development of the Property, including without limitation the residential development of the Premises (collectively, the “Development Requirements”). The Purchaser acknowledges and agrees that it is familiar with all of the Development Requirements and that it shall perform all of the Development Requirements that are applicable to the Premises and shall comply fully and completely with all of the Development Requirements. Furthermore, the Purchaser acknowledges and agrees that its covenants and agreements with respect to the construction of the Purchaser Project on the Premises as contained in this Agreement shall survive the Closing. Certain development obligations and restrictions shall be imposed on the Premises as restrictive covenants running with the land and binding upon the Purchaser’s permitted successors in title to the Premises. Section 7.2 Duty of Purchaser to Construct. The Purchaser Project shall be constructed by or caused to be constructed by the Purchaser in accordance with the Development Requirements, the Master Schedule and Section 7.5 hereof and all other applicable requirements, including the HERS rating requirement set forth in this Section. The Purchaser shall be solely responsible for awarding and administering all construction contracts for the construction of the Purchaser Project and the Company shall have no obligation to award or administer any such construction contract or any liability thereunder. The Company shall not be responsible for making any payments to any contractor, subcontractor, agent, consultant, employees or suppliers of the Purchaser. Nothing in this Agreement shall alter, in any respect, any of the requirements contained in any related governmental approvals with respect to the construction of the Purchaser Project, and the Purchaser shall observe the requirements of such governmental approvals with respect to the construction of the Purchaser Project. The Purchaser shall perform or cause the performance of all of its obligations hereunder and shall conduct all operations with respect to the construction of Purchaser Project in a good, workmanlike and commercially reasonable manner, with the standard of diligence and care normally employed by a duly qualified person in the performance of comparable work and in accordance with generally accepted practices appropriate to the activities undertaken. The Purchaser shall employ at all times adequate staff or consultants with the requisite experience necessary to administer and coordinate all work related to the design, engineering, acquisition, construction, installation and development of the Purchaser Project. Purchaser shall design and construct the Purchaser Project to satisfy the sustainable design provisions set forth in the applicable QAP of DHCD. Moreover, Purchaser shall use good faith efforts to exceed such sustainable design requirements in its design and construction of the Purchaser Project, with a goal to achieve a HERS rating of under 50. (26) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx Section 7.3 Development Consistent with Master Plan; Provision of Information. (a) The Purchaser acknowledges and agrees that the development of the Premises shall be carried out in accordance with and in compliance with the Master Plan as it concerns the location of walkways and pathways and the retention and protection of certain specimen trees, as such Master Plan may be amended in accordance with its terms, and in a manner that is consistent in all respects with the development of the Property by the Company (the “Company Development Activities”). The Purchaser, in connection with the development of the Premises, shall not take any action or omit to take any action that would be inconsistent with, adversely affect or otherwise conflict with any local, state or federal licenses, permits, approvals or other governmental authorizations now in existence or hereafter acquired either by the Company in connection with the Company Development Activities (the “Company Approvals”) or by the Purchaser in connection with the development of the Premises and in connection with the satisfaction of the Development Requirements, including without limitation the Certificate of the Secretary of the Executive Office of Environmental Affairs for the Commonwealth of Massachusetts issued as the final record of decision with respect to the redevelopment of the Property on June 14, 1996 pursuant to the Massachusetts Environmental Policy Act (“MEPA”) and the regulations promulgated thereunder at 301 CMR 11.00 et seq., together with all other decisions, certificates and determinations issued by the Secretary pursuant to the MEPA process with respect to the Property now or hereafter in effect with respect to the redevelopment of the Property and all other applicable local, state and federal laws, statutes, ordinances, codes and regulations of any governmental authority with jurisdiction over the Property and/or the redevelopment of the Property that may be applicable to the redevelopment of the Premises now or hereafter. (b) The Purchaser shall provide to the Agency, as Manager of the Company, copies of all applications or other submissions seeking any governmental approvals with respect to the development of the Premises for residential purposes at least ten (10) business days prior to the filing of any such applications or other submissions with any governmental authority in order to allow sufficient time for the Agency to review and comment on such applications and submissions. The Purchaser shall provide to the Agency, as Manager of the Company, copies of all governmental approvals obtained by or issued to the Purchaser and relating in any manner whatsoever to the development of the Premises. (c) Neither the Purchaser nor the Company shall oppose or take any action in opposition to or omit to take any action where the effect of which is adverse to an application or other submission made by the other party in connection with any attempt by such party to obtain any necessary governmental approvals for such party’s intended development activities on the Premises or the Property, as applicable, and provided that all of such governmental approvals and proposed development activities are consistent in all material respects, with the Master Plan and the LDA, and, in the case of the Purchaser, any approvals of the Company. (d) The Purchaser hereby acknowledges that during the construction of the Purchaser Project, other residential and commercial developers who have entered (or will enter) into contracts with the Company for the development of other portions of the Property (“Other Developers”) shall use portions of the Property as part of such development and Purchaser hereby agrees to cooperate and coordinate with such Other Developers as reasonably requested (27) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx by the Company. The Purchaser shall not oppose nor take any action in opposition to nor omit to take any action where the effect of which is adverse to an application or other submission made by Other Developers in connection with any attempt by Other Developers to obtain any necessary governmental or regulatory approvals for the development of such portions of the Property provided that such development is consistent with the Master Plan, the LDA and the Other Developers’ agreements with the Company. (e) In accordance with Article VI of the Declaration, the Company intends to amend the Declaration to amend Exhibit A-1 “Projected Total Number of Units Based upon Master Plan” set forth any necessary adjustment in the Projected Total Number of Units and the associated percentage interest due to the number of Units to be constructed by the Purchaser no later than the Closing Date. The Premises is conveyed subject to the Declaration and any amendments thereof. The Purchaser acknowledges that pursuant to Article VI of the Declaration, the Company, as Grantor, has full power and authority to amend and revise any provision of the Declaration to accommodate the future phases of the development of the Village at Hospital Hill project. The Purchaser shall have the opportunity to review and comment on such amendments prior to their recording and shall not object to such amendments provided that such amendments do not materially impair the marketability and resale of the Premises or create excessive burdens on the Purchaser’s use and ownership of the Premises. Section 7.4 Indemnification; Remedies of Hospital Hill Development LLC. (a) The Purchaser, regardless of any agreement to maintain insurance, will indemnify and defend the Company, and its members, managers, officers, directors, employees and agents and the officers, directors, employees and agents of its members and managers (the “Company Indemnitees”) and hold the Company Indemnitees harmless from and against (A) any and all claims to the extent arising out of (i) the design, engineering and construction of the Purchaser Project by the Purchaser or any of its consultants, engineers, advisors, contractors, subcontractors or suppliers; (ii) the Purchaser’s nonpayment under any contract between the Purchaser and its consultants, engineers, advisors, contractors, subcontractors and suppliers, or any claims of persons employed by the Purchaser or its agents to construct the Purchaser Project; (iii) any accident, injury or damage to any person occurring in or about the Premises or as a result of the Purchaser Project; and (iv) any breach by the Purchaser of its obligations under this Agreement, and (B) all costs, counsel fees, expenses or liabilities reasonably incurred in connection with any such claim or any action or proceeding brought thereon. In case any action or proceeding is brought against the Company Indemnitees, by reason of any such claim, the Purchaser will defend the same at its expense upon notice from any Indemnity, and the Company Indemnitees will cooperate with the Purchaser, at the expense of the Purchaser, in connection therewith. This indemnification shall survive the termination of this Agreement and the Closing. (b) The Company, regardless of any agreement to maintain insurance, will indemnify and defend the Purchaser, and its members, managers, officers, directors, employees and agents and the officers, directors, employees and agents of its members and managers (the “Purchaser Indemnitees”) and hold the Purchaser Indemnitees harmless from and against (A) any and all claims to the extent arising out of (i) the Company’s Development Activities; (ii) any accident, injury or damage to any person occurring in or about the Premises as a result of the Company Development Activities; and (iii) any breach by the Company of its obligations under (28) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx this Agreement, and (B) all costs, counsel fees, expenses or liabilities reasonably incurred in connection with any such claim or any action or proceeding brought thereon. In case any action or proceeding is brought against the Purchaser Indemnitees, by reason of any such claim, the Company will defend the same at its expense upon notice from any Indemnity, and the Purchaser Indemnitees will cooperate with the Company, at the expense of the Company, in connection therewith. This indemnification shall survive the termination of this Agreement and the Closing. (c) Notwithstanding any contrary provision in this Agreement, the Company shall have the right to take any action not prohibited by law or make any decision not prohibited by law with respect to proceedings for indemnity against the liability of the Company Indemnitees. The Company may enforce its rights under this Agreement by legal proceedings for the specific performance of any obligation contained herein or for the enforcement of any other legal or equitable remedy, and may recover damages caused by any breach by the Purchaser of its obligations to the Company or any Company Indemnitees under this Agreement, including, without limitation, court costs, reasonable attorney’s fees and other costs and expenses incurred in enforcing such obligations. (d) Notwithstanding any contrary provision in this Agreement, the Purchaser shall have the right to take any action not prohibited by law or make any decision not prohibited by law with respect to proceedings for indemnity against the liability of the Purchaser Indemnitees. The Purchaser may enforce its rights under this Agreement by legal proceedings for the specific performance of any obligation contained herein or for the enforcement of any other legal or equitable remedy, and may recover damages caused by any breach by the Company of its obligations to the Purchaser or any Purchaser Indemnitees under this Agreement, including, without limitation, court costs, reasonable attorney’s fees and other costs and expenses incurred in enforcing such obligations. Section 7.5 Time for Completion. (a) The Purchaser represents that it expects to complete the Purchaser Project on or before the Completion Date. In the event that the Purchaser fails to complete the Purchaser Project by the Completion Date, but construction is in progress and the Company reasonably determines that construction is proceeding expeditiously towards issuance of temporary certificates of occupancy for the remaining Units on or before the date that is twelve calendar months after the Completion Date and that the Purchaser has proceeded in a commercially reasonable manner with all due diligence to construct, market and lease the Units, then, upon written request by the Purchaser to the Company no earlier than three (3) months prior to the Completion Date, the Completion Date shall be extended for an additional twelve months (the “Completion Extension Date”). (b) Upon completion of the Purchaser, the Purchaser shall lease each Unit for residential purposes and either lease or use the Commercial Space for commercial purposes; (c) The Purchaser shall commence construction of the Purchaser Project (as evidenced by commencement of roadways and/or substantial sitework) within six (6) calendar (29) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx months after the Conveyance and complete construction of the Purchaser Project within twenty- four (24) months of the Closing Date. (d) The Flat Building and the Multi-Use Building shall be deemed completed upon the date that: (i) the City of Northampton has issued a temporary or permanent certificates of occupancy for each Building or Unit, as applicable; and (ii) all landscaping is completed and planted, except for such work that cannot be completed due to seasonal conditions. If the performance by the Purchaser of any of its obligations under this Agreement is delayed due to Force Majeure, the date of the performance of such obligations shall be likewise extended by the number of days equal to such delay as a result of such Force Majeure. The provisions of this Article VII shall survive the Closing and the conveyance of the Premises to the Purchaser. The parties agree that the requirements of this Article VII shall be included as a restriction in the deed conveying the Premises to the Purchaser or, alternatively, at the option of the Company, in the Restrictive Covenant imposed by the Company on the Premises at the time of the conveyance of the Premises to the Purchaser. The obligations of the Purchaser with respect to this Article VII, at the option of the Company, may also be secured by a mortgage. ARTICLE VIII DESIGN REVIEW AND PLAN APPROVAL Section 8.1 Design Review. Prior to the Purchaser’s submittal of an application, site plans or permit application to the City of Northampton for the construction and/or alteration of any building or structure on the Premises, the Purchaser shall submit to the Company the requisite site plan and building and other facilities design plans for the Company’s review and approval as set forth in this Article VIII. All design documentation submitted to the Company shall conform to the Design Guidelines and the Residential Architectural Style Guide, copies of which are attached hereto as Exhibits G and H respectively, and shall, to the best of the Purchaser’s knowledge, comply with all applicable laws, including, but not limited to, building codes, zoning ordinances, local health codes and fire codes. In addition to the number of hard copies of the design documentation required to be submitted pursuant to Sections 8.2 and 8.3, the Purchaser shall submit an electronic copy of the applicable design documentation (in DWG format) as part of its submission of the applicable design documentation. One set of all design documentation shall be delivered to each of the following persons: (i) Alan Delaney, Chief Engineer, MassDevelopment, 33 Andrews Parkway, Devens, Massachusetts 01434 (adelaney@massdevelopment.com); (ii) Larry Spang, Arrowstreet Architects, 212 Elm Street, Somerville, Massachusetts 02144; and (iii) Elizabeth Murphy, Vice President, MassDevelopment, 1350 Main Street, Suite 1110, Springfield, Massachusetts 01103 (emurphy@massdevelopment.com). Section 8.2 Site Plan and Schematic Design Plan Review. (a) Prior to the conveyance of the Premises and no later than sixty (60) days after the Due Diligence Period, the Purchaser shall submit to the Company three (3) full sets of (30) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx site plans, schematic design plans, specifications and calculations (as well as a PDF electronic version of such schematic design plans) (collectively referred to as the “Schematic Design Plans”) showing: (i) the layout of the Premises including: proposed building siting and massing on the Premises and in the context of the properties within 500’ of the Premises; vehicular and pedestrian access facilities; and Premises infrastructure proposed to be constructed on and/or off the Premises. (ii) the building(s) showing exterior perspective views, architectural details, building elevations, treatment of roof-based structures, the proposed building materials for all exterior components including cladding, roof, trim and windows, and plans for Premises grading, landscaping and signage (if any); (iii) all ancillary Premises facilities to be constructed by the Purchaser, including, without limitation, parking lots, driveways, landscaping, and, if necessary, on-site stormwater management and recharge systems; (iv) calculations for parking requirements; (v) stormwater drainage calculations and plans for treatment and discharge of stormwater adequate for the Purchaser’s development of the Premises; and (vi) calculations for utility usage and plans for all utility lines, pipes and/or connections which are to be constructed by the Purchaser and located within or outside the boundary lines of the Premises and which are adequate for Purchaser’s development of the Premises (including but not limited to water, wastewater, electric, gas, and telecommunication utilities). (b) The Company shall review and comment on the Schematic Design Plans for: (i) conformance with the Design Guidelines as previously provided to the Purchaser; (ii) determination by the Company that the Purchaser’s connection to the utilities shall be within the boundaries of the Premises; (iii) determination by the Company that the Schematic Design Plans satisfy the approval criteria in Article V of the Declaration; (iv) determination by the Company that the Schematic Design Plans comply with the restrictions in Article III (2) of the Declaration; (v) determination by the Company that the Schematic Design Plans conform with all prior written commitments and agreements, if any, between the Purchaser and the Company; and (31) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx (vi) determination by the Company that the proposed management of on-site stormwater shall not require the use of the off-site facilities or, if such use is required, that sufficient capacity exists or can exist within the off-site facilities to manage such stormwater. (c) the Company shall have ten (10) Business Days following receipt of the Schematic Design Plans to approve the Schematic Design Plans, which approval shall be in writing (the “Schematic Design Review Period”). If the Company reasonably determines that the Schematic Design Plans substantially conform with the LDA, the Master Plan, the Declaration, and the Design Guidelines, the Company shall approve such Schematic Design Plans. The Company’s approval of the Schematic Design Plans shall signify only the Company’s consent to the design work shown and shall not result in any responsibility of the Company concerning compliance of the Schematic Design Plans with laws, regulations, or codes, all of which shall be the responsibility of the Purchaser. In the event that the Company does not respond to Purchaser’s submittal of the Schematic Design Plans on or before the end of the Schematic Design Review Period, the Company shall be deemed to have approved the Schematic Design Plans, provided that, in submitting the Schematic Design Plans for review and approval, the Purchaser shall have the following legend prominently at the top of the transmittal letter: “NOTICE PURSUANT TO SECTION 8.2(c) OF THE LAND DISPOSITION AGREEMENT: IMPORTANT RIGHTS MAY BE LOST BY FAILURE TO ACT PROMPTLY. THIS SUBMISSION WILL BE DEEMED APPROVED 10 BUSINESS DAYS AFTER RECEIPT. If the Company determines that the Schematic Design Plans do not conform to the LDA, the Master Plan, the Declaration, and/or the Design Guidelines or address any issues set forth in the Notice of Conditional Approval of the Conceptual Design Plans, the Company shall conditionally approve Schematic Design Plans setting forth, in writing, the modifications to the Schematic Design Plans that is required in order for the Company to approve the Schematic Design Plans (“Notice of Conditional Approval”) on or before the end of the Schematic Design Review Period. Any components of the Schematic Design Plans not addressed in the Notice of Conditional Approval shall be deemed to have been approved by the Company. Following the receipt of the Notice of Conditional Approval, the Company and the Purchaser shall proceed diligently and in good faith to resolve any matters set forth in the Notice of Conditional Approval. Such matters shall be addressed prior to the submission of the Construction Documents (defined in Section 8.3 below) and the resolution thereof incorporated therein. The resolution of any issues set forth in the Notice of Conditional Approval shall be a condition precedent to the Company’s approval of the Construction Documents. The Schematic Design Plans approved by the Company shall form the basis for the Site Plan Approvals to be obtained by the Purchaser with respect to the Premises as more particularly described in Section 2.6 above. Section 8.3 Construction Document Review. (a) Within ninety (90) days of notice from DHCD that the Purchaser has received a LIHTC award as set forth in Section 5.7(a)(i), the Purchaser shall submit to the Company, in the manner specified in Section 8.1, three (3) complete sets of final specifications, site plans and final architectural building plans, showing, among other things, final building elevations, selection of building materials and exterior colors, landscaping, grading, treatment of roof based structures, stormwater management and, if appropriate, light, noise and odor emissions controls, signage, if any, and including any samples of building materials and color when requested (the (32) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx “Construction Documents”). The Construction Documents shall be in conformance with the applicable legal requirements, including state building code, zoning ordinance, local health code or fire code, shall incorporate the Company’s comments to the Schematic Design Plans, and shall be submitted to the Company with a certification from the Purchaser’s architect or designer that the Construction Documents substantially conform to the Design Guidelines and comply with applicable state building code, zoning ordinance, local health code and fire code. (b) The Company shall have ten (10) Business Days following receipt of the Construction Documents to approve the Construction Documents, which approval shall be in writing (the “Construction Document Review Period”). If Company reasonably determines that the Construction Documents substantially conform to the Design Guidelines and conform with the Schematic Design Plans submitted to and approved by Company, the Company shall approve such Construction Documents. The Company’s approval of the Construction Documents shall signify only the Company’s consent to the design work shown and shall not result in any responsibility of the Company concerning compliance of the Construction Documents with laws, regulations, or codes, all of which shall be the responsibility of the Purchaser. In the event that the Company does not respond to the Purchaser’s submittal of the Construction Documents on or before the end of the Construction Document Review Period, the Company shall be deemed to have approved the Construction Documents, provided that, in submitting the Construction Documents for review and approval, the Purchaser shall have the following legend prominently at the top of the transmittal letter: “NOTICE PURSUANT TO SECTION 8.3(b) OF THE LAND DISPOSITION AGREEMENT: IMPORTANT RIGHTS MAY BE LOST BY FAILURE TO ACT PROMPTLY. THIS SUBMISSION WILL BE DEEMED APPROVED 10 BUSINESS DAYS AFTER RECEIPT. The Company may automatically extend the Construction Document Review Period for five (5) calendar days upon notice to the Purchaser of its election to extend such time period, provided that such notice is given to the Purchaser on or before the end of the Construction Document Review Period. In the event that the Company elects to not approve the Construction Documents, the Company shall provide a written response stating that Company has rejected the Construction Documents and detailing the aspects of the Construction Documents upon which the Company based its rejection (“Company’s Rejection Notice”). Any components of the Construction Documents not addressed in the Company’s Rejection Notice shall be deemed to have been approved by the Company. Following the receipt of the Company’s Rejection Notice, the Company and the Purchaser shall proceed diligently and in good faith to resolve any objections of the Company set forth in the Company’s Rejection within thirty (30) days after the date of the Company’s Rejection Notice. The Company’s approval of the Construction Documents shall be a condition precedent to the City of Northampton’s approval of the Construction Documents and issuance of a building permit. Upon approval of the Construction Documents and upon the request of the Purchaser, the Company shall give a notarized certificate to the Purchaser, referencing the plans which must be filed by the Purchaser with the City of Northampton Building Commission or the Registry prior to the commencement of construction. (c) The Company and the Purchaser acknowledge that the Construction Documents as reviewed and approved by the Company may be subject to further review by the Purchaser’s lenders and equity investor and as part of any value engineering process. In the event that such reviews result in any Material Design Change(s) (as such term is defined in Section 8.4(b)), then (33) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx the Purchaser shall submit such proposed Material Design Change(s) to the Company for review and approval in accordance with the procedure set forth in Section 8.4(b). Section 8.4 Design and Construction Process. (a) To the extent that any comment or condition of the Company’s concerning the Construction Documents (provided such comments or conditions are matters within the scope of the Company’s right of review as defined herein) requires an amendment to the Purchaser’s Site Plan Approval from the City of Northampton, the Purchaser shall be required, at its sole cost and expense, to obtain such amendment as a precondition to the Company’s approval of the applicable Design Documents and the conveyance of the Premises to the Purchaser. (b) The Purchaser warrants and represents that any building or other structure, including all utilities constructed by Purchaser, shall be constructed in accordance with the Design Documents (excluding, however, any interior plans provided) and all other applicable provisions of this Agreement and, further, that any material expansion or alteration of the exterior portion or design of such buildings or structures including but not limited to antennae, satellite dishes, paint color, cladding materials, trim, doors, windows, and roofing materials as well as structural changes and/or samples of building materials, or the re-location of HVAC equipment on the roof to the extent such re-location affects the visibility of such equipment at grade (each a “Material Design Change”) shall be subject to the Company's prior review and approval. The Purchaser shall submit to the Company, in the manner specified in Section 8.1, four sets of architectural plans and specifications showing the proposed Material Design Change (“Design Change Documents”). The Company shall have five (5) business days to review and approve the Design Change Documents, which approval shall be in writing (the “Design Change Review Period”). If the Company reasonably determines that the Design Change Documents substantially conform with the Design Guidelines and the Residential Architectural Style Guide, the Company shall approve such Design Change Documents. The Company’s approval of the Design Change Documents shall signify only the Company’s consent to the design work shown and shall not result in any responsibility of the Company concerning compliance of the Design Change Documents with any laws, regulations or codes, all of which shall be the responsibility of the Purchaser. In the event that the Company does not respond to the Purchaser’s submittal of the Design Change Documents on or before the end of the Design Change Review Period, the Company shall be deemed to have approved the Design Change Documents, provided that, in submitting the Design Change Documents for review and approval, the Purchaser shall have the following legend prominently at the top of the transmittal letter: “NOTICE PURSUANT TO SECTION 8.4(b) OF THE LAND DISPOSITION AGREEMENT: IMPORTANT RIGHTS MAY BE LOST BY FAILURE TO ACT PROMPTLY. THIS SUBMISSION WILL BE DEEMED APPROVED 5 BUSINESS DAYS AFTER RECEIPT. In the event that the Company elects to not approve the Design Change Documents, the Company shall provide a written response stating that the Company has rejected the Design Change Documents and detailing the aspects of the Design Change Documents upon which the Company based its rejection (“Company’s Design Change Rejection Notice”). Any components of the Design Change Documents not addressed in the Company’s Design Change Rejection Notice shall be deemed approved by the Company. Following the receipt of the Company’s Design Change Rejection Notice, the Company and the Purchaser shall proceed diligently and in good faith to resolve any objections of the Company set forth in the Company’s Design Change Rejection (34) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx Notice within five (5) Business Days after the date of the Company’s Design Change Rejection Notice. (c) The Company shall have the right to inspect the construction of the Purchaser’s Project, at any time, to review the exterior and utilities and to ensure its construction in substantial accordance with the Design Documents (excluding however any interior plans provided). Such inspections shall occur as determined necessary by Company, but no less frequently than at fifty percent completion, seventy-five percent completion and final completion. Any construction of the Purchaser’s Project not in accordance with the Design Documents, and/or applicable federal, state, and local law or regulation, as determined by the Company in its sole discretion, shall be immediately remedied and repaired at the sole cost of the Purchaser and/or its contractor, or in the alternative by the Company, in the event the Purchaser fails for any reason to cure such defects within thirty (30) days after notice thereof, in which case the Purchaser shall be solely responsible for all of the Company’s costs incurred in connection with curing such defect. Such costs shall be immediately due and payable upon demand. The Purchaser shall permit the Company and its contractors, agents and employees to have access to the Premises at all reasonable times to monitor the Purchaser’s compliance with the terms and conditions of this Agreement. Notwithstanding the foregoing self-help rights, if Purchaser shall have commenced to cure any such defective construction within such 30 day period but such failure cannot reasonably be cured within such 30 day period and the Purchaser thereafter diligently and expeditiously proceeds to cure such failure, such 30 day period shall be extended for an additional period of time as is reasonably necessary for the Purchaser in the exercise of due diligence to cure such failure. (d) In addition to the self-help remedy set forth in Section 8.4(c), the Purchaser and the Company recognize and agree that any material difference (to be determined in Company’s sole discretion) between the Design Documents (for the exterior), and the buildings, Premises improvements or structures actually constructed by the Purchaser (to the extent such difference has not been approved by Company as set forth in this Article VIII) shall entitle the Company to injunctive relief requiring the Purchaser to remedy any such material difference as no remedy at law shall be adequate to compensate the Company. (e) Prior to the commencement of construction, the Purchaser shall submit a Construction Management Plan to the Company for review and approval. The approved Construction Management Plan shall be submitted to the Executive Office of Environmental Affairs in compliance with the Section 61 Findings. The Construction Management Plan will address potential air, noise and traffic impacts and hours of operation and will provide a plan to eliminate, minimize or mitigate these impacts. All construction contractors hired by the Purchaser will be bound to the terms of the Construction Management Plan. The relevant provisions of the Section 61 Findings are attached hereto as Exhibit I which is incorporated herein by reference. (f) The Purchaser shall provide the Company with a hard copy and electronic copy of the Construction Documents (in a form acceptable to the Company’s manager’s Engineering Department) approved by the Company and the City of Northampton. (35) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx The provisions of this Section 8.4 shall survive the Closing and the conveyance of the Premises to the Purchaser. The parties agree that the design review requirements of this Article VIII shall be included as a restriction in the deed from the Company conveying the Premises to the Purchaser and/or in the Restrictive Covenant to be imposed by the Company upon the Premises at the time of conveyance of the Premises by the Company to the Purchaser. The obligations of the Purchaser with respect to this Article VIII, at the option of the Company, may also be secured by a mortgage. In the event that such obligations are secured by a mortgage, the Company shall enter into a standstill agreement on commercially reasonable terms with the Purchaser’s lenders concerning the exercise of default rights and remedies under their respective mortgages. Section 8.5 Notice of Completion. During the construction of the Purchaser Project and until the issuance of a Notice of Completion, the Premises is subject to the Construction Period Surviving Covenants set forth in Section 8(A)(1) of the LDA. Promptly, after the completion of construction of the Purchaser Project, the Purchaser shall furnish the Company with a certificate(s) from a register architect or engineer duly licensed under the laws of the Commonwealth of Massachusetts and reasonably acceptable to the Company (or, in the case of the single-family Units from a building designer approved by the Company) certifying as to the completion of the Purchaser Project in accordance with the Development Requirements, applicable zoning and subdivision ordinances, provisions of the state building code, all applicable environmental laws and regulations, all applicable federal, state and local codes, laws and requirements and all applicable permits and approvals, or other form of certification acceptable to the Company (“Notice of Completion Certification”). Provided that the Notice of Completion Certification is in a form and substance reasonably satisfactory to the Company, the Company’s manager, Massachusetts Development Finance Agency, shall provide the Purchaser, within ten (10) Business Days of its receipt of such certifications, a Notice of Completion which notice shall refer to the Construction Period Surviving Covenants set forth in Section 8(A)(1) of the LDA and the Right of Reverter set forth in Section 4(B) of the LDA and shall state that it constitutes a conclusive determination of satisfaction and termination of the same with respect to the obligation to construct such improvements pursuant to Section 10(E) of the LDA. Upon completion of the Purchaser Project, including the satisfactory completion of the Purchaser’s obligations under Article VII of this Agreement, and the delivery by the Purchaser of a Notice of Completion Certification to the Company, provided that such certification is in form and substance reasonably satisfactory to the Company, the Company’s manager, Massachusetts Development Finance Agency, shall provide the Purchaser, within ten (10) days of its receipt of such certification, a Partial Notice of Completion which notice shall refer to the Construction Period Surviving Covenants set forth in Section 8(A)(1) of the LDA and the Right of Reverter set forth in Section 4(B) of the LDA and shall state that it constitutes a conclusive determination of satisfaction and termination of the same with respect to the obligation to construct the Purchaser Project pursuant to Section 10(E) of the LDA. ARTICLE IX INSURANCE REQUIREMENTS DURING CONSTRUCTION (36) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx Section 9.1 Insurance Requirements During Construction Period. (a) The Purchaser shall, at all times prior to the final completion of the Purchaser Project, maintain and deliver to the Company evidence of and keep in full force and effect, or cause the development manager and general contractor(s) for the Purchaser Project to maintain and deliver to the Company evidence of and keep in full force and effect, not less than the following coverage and limits of insurance: (1) Workers’ Compensation and Employer’s Liability - Workers’ Compensation coverage equal to at least the greater of (i) such limits as are required by law and (ii) $500,000 per injury, $500,000 per accident and $500,000 per disease, (2) Comprehensive General Liability - limits of at least $1,000,000 per occurrence and $2,000,000 in the aggregate; (3) Automotive Liability - Combined Single Limit - $1,000,000; (4) if any of the part of the Premises upon which any improvements are to be constructed is identified by the Secretary of Housing and Urban Development as being in an area or community having special flood, mudslide, erosion or other hazards and if flood insurance is available from the National Flood Insurance Program (“NFIP”) or other commercial insurer, then flood insurance must be obtained under NFIP or from such other insurer, as applicable, in an amount equal to the original principal amount of the amount of any financing for the Purchaser Project, or the maximum amount available, whichever is less; and (5) Builder’s Risk – in an amount equal to the amount required by the lenders of the Purchaser Project, but not less than the replacement cost value of the Purchaser Project. The automobile and general liability policies shall be accompanied by an umbrella policy with a combined limit of $2,000,000. During the construction of any roadway infrastructure either the Purchaser or its roadway contractor shall provide automobile and general liability policies accompanied by an umbrella policy with a combined limit of $5,000,000. (b) All policies of insurance shall include Hospital Hill Development, LLC, Massachusetts Development Finance Agency and The Community Builders, Inc., as their interests may appear, as additional insured’s, shall be issued by companies licensed or approved by the Commonwealth of Massachusetts’ Insurance Commissioner and rated A-VII or better in the most recent edition of Best’s Insurance Guide with respect to primary levels of coverage and shall be issued and delivered in accordance with Commonwealth law and regulations. (c) Prior to the Closing, the Purchaser shall deliver to the Company copies of all required policies and endorsements thereto on forms which are acceptable to the Company. In addition, all of the Purchaser’s insurance policies shall contain an endorsement providing that written notice shall be given to the Company at least thirty (30) calendar days prior to termination, cancellation or reduction of coverage in the policy. (d) The Purchaser may effect the insurance coverage provided herein under blanket insurance policies; provided, however, that (i) such policies are written on a per- occurrence basis, (ii) such policies comply in all other respects with the provisions of this Section 9.1, and (iii) the protection afforded under any such policy shall be no less than that which would be available under a separate policy relating only to this Agreement. If any coverage required by this Agreement is provided under blanket insurance policies, promptly upon execution of this Agreement and annually thereafter, the Purchaser shall provide the (37) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx Company with a list of the projects covered by such blanket insurance policies, the dollar amount of each project covered and such other information as the Company may request to enable it to evaluate whether the requirements of this Article have been met. The foregoing requirements as to the types and limits of insurance coverage to be maintained by the Purchaser are not intended to and shall not in any manner limit or qualify the liabilities and obligations assumed by the Purchaser under this Agreement or constitute a representation or warranty by the Company that the coverage provided by such insurance is adequate for purposes of the Purchaser or for any other purpose other than the protection of the interests of the Company and its members. ARTICLE X REPRESENTATIONS, WARRANTIES AND COVENANTS Section 10.1 Representations of Hospital Hill Development LLC. (a) Organization. The Company is duly organized and validly existing under the laws of the State of Delaware, is authorized to do business in the Commonwealth of Massachusetts, is in compliance with the laws of the Commonwealth of Massachusetts, and has the power and authority to own its properties and assets and to carry on its business in the Commonwealth of Massachusetts as now being conducted and as hereby contemplated. (b) Authority. The Company has the power and authority to enter into this Agreement, and has taken all action necessary to cause this Agreement to be executed and delivered, and this Agreement has been duly and validly executed and delivered by the Company. (c) Binding Obligation. This Agreement is a legal, valid and binding obligation of the Company, enforceable against the Company in accordance with its terms, except as enforceability may be subject to the exercise of judicial discretion in accordance with general equitable principles and to applicable bankruptcy, insolvency, reorganization, moratorium and other laws for the relief of debtors heretofore or hereafter enacted to the extent that the same may be constitutionally applied. (d) No Material Litigation. There are no actions, suits or proceedings pending or, to the knowledge of the Company, threatened, against or affecting the Company or the Property which, if determined adversely to the Company, would adversely affect its ability to perform its obligations hereunder. (e) No Conflicts. Neither the execution, delivery or performance of this Agreement nor compliance herewith (a) conflicts or will conflict with or results or will result in a breach of or constitutes or will constitute a default under (1) the charter or by-laws of the Company, (2) to the best of the Company’s knowledge, any law or any order, writ, injunction or decree of any court or governmental authority; or (3) any agreement or instrument to which the (38) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx Company is a party or by which it is bound or (b) results in the creation or imposition of any lien, charge or encumbrance upon its property pursuant to any such agreement or instrument. (f) No Approvals Required. No authorization, consent, or approval of any governmental authority (including courts) is required for the execution and delivery by the Company of this Agreement or the performance of its obligations hereunder. (g) FIRPTA. The Company is not a “foreign person” as defined in Section 1445 of the Code. (h) Representations Concerning the Premises (i) The Company has received no written notice from any governmental authorities: (1) that there currently is any pending condemnation or eminent domain proceeding relating to the Premises, or (2) that any such proceeding is currently contemplated. (ii) The Company has not received any written notice from any governmental agency requiring the correction of any condition with respect to the Premises, or any part thereof, by reason of a material violation of any applicable federal, state, county or municipal law, code, rule or regulation, which has not been cured or waived. (iii) The Company has received no written notice that any litigation materially affecting the Premises is pending or currently threatened. (iv) The Company shall not create, allow, or suffer to be created on the Premises any easement, lien, mortgage, encumbrance, defect or other interest in favor of third parties unless agreed to in writing by the Purchaser. There are no outstanding contracts, options to purchase, or rights of first refusal concerning the sale or other transfer of the Premises other than this Agreement. (v) The Company has not installed any underground storage tanks on the Premises and, to the best of the Company’s knowledge, the Company has no knowledge of any underground storage tanks on the Premises. Section 10.2 Representations, Warranties and Covenants of the Purchaser. (a) Organization. The Purchaser is duly organized and validly existing under the laws of the Commonwealth of Massachusetts, is authorized to do business in the Commonwealth of Massachusetts, is in compliance with the laws of the Commonwealth of Massachusetts, and has the power and authority to own its properties and assets and to carry on its business in the Commonwealth of Massachusetts as now being conducted and as hereby contemplated. (b) Authority. The Purchaser has the power and authority to enter into this Agreement, and has taken all action necessary to cause this Agreement to be executed and delivered, and this Agreement has been duly and validly executed and delivered by the Purchaser. (39) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx (c) Binding Obligation. This Agreement is a legal, valid and binding obligation of the Purchaser, enforceable against the Purchaser in accordance with its terms, except as enforceability may be subject to the exercise of judicial discretion in accordance with general equitable principles and to applicable bankruptcy, insolvency, reorganization, moratorium and other laws for the relief of debtors heretofore or hereafter enacted to the extent that the same may be constitutionally applied. (d) Compliance with Laws. In the permitting, design, acquisition and construction of the Purchaser Project, the Purchaser has complied and will comply with the provisions of this Agreement, the LDA, the Design Documents, and all applicable building, zoning, land use, environmental protection, sanitary and safety laws, rules and regulations, and all applicable grant, reimbursement and insurance requirements, and will not permit a nuisance thereon; but it shall not be a breach of this subsection if the Purchaser fails to comply with such laws, rules, regulations and requirements (other than Chapter 21E of the Massachusetts General Laws, as amended) during any period in which the Purchaser is diligently and in good faith contesting the validity thereof. The Purchaser shall not with knowledge commit, suffer or permit any act to be done in, upon or to the lands in the North Campus in violation of any law, ordinance, rule, regulation or order of any governmental authority or any covenant, condition or restriction now or hereafter contained in the Declaration, By-laws of the Hospital Hill Development North Association or any other agreement affecting the North Campus or the Purchaser Project. (e) Litigation. There are no pending or, to the best of the Purchaser’s knowledge, threatened actions, suits, or proceedings before any court, arbitrator or governmental or administrative body or agency which may materially adversely affect the properties, business or condition, financial or otherwise, of the Purchaser or its ability to perform its obligations under this Agreement. (f) No Conflicts. Neither the execution, delivery or performance of this Agreement nor compliance herewith (a) conflicts or will conflict with or results or will result in a breach of or constitutes or will constitute a default under (1) the charter or by-laws of the Purchaser, (2) to the best of the Purchaser’s knowledge, any law or any order, writ, injunction or decree of any court or governmental authority; or (3) any agreement or instrument to which the Purchaser is a party or by which it is bound or (b) results in the creation or imposition of any lien, charge or encumbrance upon its property pursuant to any such agreement or instrument. (g) No Approvals Required. No authorization, consent, or approval of any governmental authority (including courts) is required for the execution and delivery by the Purchaser of this Agreement or the performance of its obligations hereunder. (h) Taxpayer Identification No. The Purchaser’s taxpayer identification number is 04-2324773. (i) Completion of Project. The Purchaser will complete the Purchaser Project in accordance with the Residential Development Requirements and the Master Schedule. (40) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx Section 10.3 The Company’s Knowledge. Whenever a representation is qualified by the phrase “to the best of the Company’s knowledge”, or by words of similar import, the accuracy of such representation shall be based solely on the actual (as opposed to constructive or imputed) knowledge of Elizabeth Murphy (“Murphy”) and Alan Delaney (“Delaney”), without independent investigation or inquiry. Murphy is the Company’s project/asset manager for the Premises and Delaney is the chief engineer of the construction and redevelopment activity for the Village Hill Project of which the Premises is a part. Section 10.4. Certain Reports. No later than five (5) Business Days following the Effective Date, the Company shall make available for the Purchaser’s review at its manager’s office located at 33 Andrews Parkway, Devens, Massachusetts any and all reports to the Company by any third party engineering, architectural or environmental consultants concerning the physical or environmental condition of the Premises (“Reports”). The Purchaser understands and acknowledges that any Reports provided to the Purchaser are without any representation or warranty, express or implied, as to the completeness or accuracy of the facts, presumptions, conclusions or other matters contained therein. The Purchaser has been expressly advised by the Company to conduct an independent investigation and inspection of the Premises utilizing experts as the Purchaser deems to be necessary for an independent assessment of all liability and risk, with respect to the Premises. The Purchaser shall rely only on the Company Representations, and upon the Purchaser’s own investigations and inquiries with respect to all such liability and risk, including all liability and risk with respect to the presence of Hazardous Materials in, on or around the Premises. ARTICLE XI “AS IS” SALE The Purchaser agrees that the Premises shall be sold and that the Purchaser shall accept possession of the Premises on the Closing Date strictly on an “as is, where is, with all faults” basis, with no right of set-off or reduction in the Purchase Price, and that, except for the Company Representations, such sale shall be without representation or warranty of any kind, express or implied, including any warranty of uses or fitness for a particular purpose, and the Company does hereby disclaim and renounce any such representation or warranty. The Purchaser specifically acknowledges that, except for the Company Representations, the Purchaser is not relying on any representations or warranties of any kind whatsoever, express or implied, from the Company, or any broker or other agents as to any matters concerning the Premises including: (1) the condition or safety of the Premises soils and geology, lot size, or suitability of the Premises for a particular purpose; (2) the condition of title to the Premises; (3) the legal or tax consequences of this Agreement or the transactions contemplated hereby; (4) the possible presence of Hazardous Materials in, under or near the Premises; and (5) the completeness or accuracy of any information provided to the Purchaser by the Company or its agents. The Purchaser understands the legal significance of the foregoing provisions and acknowledges that they are a material inducement to the Company’s willingness to enter into this Agreement. ARTICLE XII (41) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx DEFAULT Section 12.1 Event of Default. The occurrence of any one or more of the following events shall constitute a default or an event of default under this Agreement: (a) The Company fails to perform the Company’s Obligations hereunder and such failure continues for sixty (60) days after written notice thereof from the Purchaser to the Company provided, however, that if the curing of such default cannot be accomplished with due diligence within said period of sixty (60) days then the Company shall have such additional reasonable period of time to cure such default as may be necessary provided the Company shall have commenced to cure such default within said period, such cure shall have been diligently prosecuted by the Company thereafter to completion; (b) The Purchaser fails to observe or perform any covenant, condition or agreement to be observed or performed by the Purchaser pursuant to the terms of this Agreement or the Development Requirements and the continuance of such default for sixty (60) days after written notice thereof from the Company to the Purchaser provided, however, that if the curing of such default cannot be accomplished with due diligence within said period of sixty (60) days then the Purchaser shall have such additional reasonable period of time to cure such default as may be necessary provided the Purchaser shall have commenced to cure such default within said period, such cure shall have been diligently prosecuted by the Purchaser thereafter to completion and the Company does not reasonably deem the Premises or the Purchaser Project jeopardized by such further delay. (c) The Purchaser executes an assignment for the benefit of creditors, deed of trust or similar document; (d) The Purchaser admits being, or is finally adjudicated to be, insolvent; (e) a receiver, guardian, conservator, trustee, custodian or similar officer is appointed for any property of the Purchaser and the same is not discharged within sixty (60) days; (f) a voluntary or involuntary petition under any insolvency or bankruptcy law, including a petition for reorganization, is filed for the Purchaser and is not dismissed within sixty (60) days; and (g) Any representation or warranty made herein shall prove to be false in any material respect. Section 12.2 Remedies for Default (a) In the event of a material default by the Company which is not cured within the time period allowed under Section 12.1, the Company and the Purchaser acknowledge and agree that any damages incurred by the Purchaser as a result of such material default would be difficult or impossible to ascertain; therefore, the Purchaser shall have, as its sole and exclusive remedies (42) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx under this Agreement, the right to either (i) terminate this Agreement by written notice to the Company, or (ii) seek specific performance of the Company’s obligations under this Agreement. Under no circumstances shall the Purchaser be entitled to any award of damages as a result of any default by the Company, including without limitation, any direct, indirect, consequential, special or other damages. In the event of a default by the Company and the Purchaser’s election to terminate this Agreement, the Purchaser shall be entitled to a return of the portion of the Deposit being held by the Escrow Agent at the time of such default. (b) In the event of a material default by the Purchaser as described in Section 12.1 that occurs prior to the conveyance of the Premises by the Company to the Purchaser, the Company and the Purchaser acknowledge and agree that the damages that would be incurred by the Company as a result of any such default are difficult or impossible to ascertain. Accordingly, the Company and the Purchaser agree that in the event of a default by the Purchaser prior to the conveyance of the Premises (or any portion thereof) by the Company to the Purchaser, the Company shall be entitled to retain the Deposit as liquidated damages and as the Company’s sole and exclusive remedy as a result of any such default by the Purchaser prior to the conveyance of the Premises by the Company to the Purchaser. The Company and the Purchaser acknowledge and agree that the Deposit constitutes the best pre-estimate of the damages that would be incurred by the Company as a result of any such default, and the Company and the Purchaser therefore agree that the retention of the Deposit by the Company as liquidated damages constitutes the award of damages to the Company and does not constitute a penalty. The Company and the Purchaser further agree that in the event of a default by the Purchaser as described in Section 12.1 at anytime following the conveyance of the Premises (or any portion thereof) to the Purchaser, the Company may at any time thereafter, at its option and without notice (except as specifically provided herein), exercise any one or more of the following remedies as to the portion of the Premises then conveyed: (i) Perform any warranty, covenant or agreement which the Purchaser has failed to perform under this Agreement or the Development Requirements, whereupon the Purchaser shall reimburse the Company for the costs incurred by the Company in effecting such cure; (ii) Exercise any right or remedy available to the Company under this Agreement; (iv) Exercise any other right or remedy available to the Company under any other instrument, or at law, or in equity, including actions or proceedings to compel specific performance; (v) Take any other action that the Company deems necessary or desirable to protect its rights under this Agreement or the LDA; and (vi) Proceed to exercise its remedies under the Company Mortgage, if any, including any right of foreclosure. (c) In the event of a material default by a party (the “Defaulting Party”), the Defaulting Party shall be liable to the other party (the “Non-Defaulting Party”) for all costs and (43) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx expenses, including reasonable attorneys' fees, incurred or paid by the Non-Defaulting Party in any proceeding brought to enforce the obligations of the Defaulting Party as set forth in this Agreement; (d) If a default occurs hereunder, then prior to exercising any remedies hereunder the Company shall give the Purchaser written notice of such default. (e) The remedies of the Company as provided in this Agreement shall be cumulative and concurrent, and may be pursued singly, successively or concurrently at the sole discretion of the Company. No remedy of the Company under this Agreement is intended to be exclusive of any other remedy under this Agreement or afforded by law or equity, but each shall be cumulative and shall be in addition to every other remedy given to the Company under this Agreement, now or hereafter existing at law or in equity. ARTICLE XIII MISCELLANEOUS Section 13.1 Acceptance of Deed. The acceptance of a deed by the Purchaser shall be deemed to be a full performance and discharge every agreement and obligation of the Company contained in this Agreement that are applicable to the Premises, except such agreements or obligations which by the terms thereof, are to be performed after the delivery of such deed or are to survive the delivery of the deed, all of which shall survive the delivery of the deed. Section 13.2 Financial Obligations. Nothing contained in this Agreement is intended to impose any pecuniary liability on the Company or its members nor shall it in any way obligate the Company or its members to pay any debt or meet any financial obligations to any person at any time in relation to the Purchaser Project. No manager, member of the Company, or any employee, officer or agent of its members, shall incur any liability hereunder to the Purchaser or any other party in their individual capacities by reason of their actions hereunder or execution hereof. Section 13.3 Notices. Any notice, payment or instrument required or permitted by this Agreement to be given or delivered to either party shall be deemed to have been received when personally delivered, with signed receipt, sent by commercial overnight courier which requires a signed receipt upon delivery, or transmitted by electronic mail or facsimile transmission (which shall be immediately confirmed by telephone and shall be followed by mailing an original of the same within 24 hours after such transmission), as follows: The Company: Massachusetts Development Finance Agency 99 High Street Boston, MA 02110 Attn: Executive Vice President of Real Estate Email: rhenderson@massdevelopment.com (44) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx With a copy to: Massachusetts Development Finance Agency 99 High Street Boston, MA 02110 Attn: General Counsel Email: pdeangelis@massdevelopment.com Nolan Sheehan Patten LLP 101 Federal Street, 18th Floor Boston, MA 02110 Attn: Hannah L. Kilson, Esq. Email: Kilson@nspllp.com Purchaser: The Community Builders, Inc. 185 Dartmouth Street, 9th Floor Boston, MA 02116 Attn: Eliza Datta Email: edatta@tcbinc.org With a copy to: The Community Builders, Inc. 185 Dartmouth Street, 9th Floor Boston, MA 02116 Attn: General Counsel Email: jklein@tcbinc.org Each party may change its address or addresses for delivery of notice by delivering written notice of such change of address to the other party. Any notice to be given by any party hereto may be given by counsel for such party. Section 13.4 Severability. If any part of this Agreement is held to be illegal or unenforceable by a court of competent jurisdiction, the remainder of this Agreement shall be given effect to the fullest extent possible. Section 13.5 Successors and Assigns. This Agreement shall be binding upon and inure to the benefit of the successors and permitted assigns of the parties hereto. Prior to the completion of the Purchaser Project, this Agreement shall not be assigned by the Purchaser and no ownership interest of more than 50% of Purchaser shall be sold, assigned or otherwise transferred without the prior written consent of the Company, which consent shall be in its sole discretion. Notwithstanding the foregoing, the Company recognizes that the equity financing for the Purchase Project is dependent upon the admission of an investor limited partner that will hold 99.9% of the interest in the Purchaser, and agrees that its consent to such admission shall not be unreasonably withheld, conditioned or delayed. In connection with any such consent of the Company, the Company may condition its consent upon the acceptability of the financial condition of the proposed assignee, upon the assignee’s express assumption of all obligations of the Purchaser hereunder and/or upon any other factor which the Company deems relevant in the circumstances. In any event, any such assignment shall be in writing, shall clearly identify the scope of the rights and/or obligations assigned and shall not be effective until approved by the Company. Neither an assignment of this Agreement nor any change in the ownership of the (45) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx Purchaser shall relieve the Purchaser of its obligations hereunder and the Purchaser shall remain liable for all of the Purchaser’s obligations under this Agreement. Section 13.6 Waiver. Failure by a party to insist upon the strict performance of any of the provisions of this Agreement by the other party, or the failure by a party to exercise its rights upon the default of the other party, shall not constitute a waiver of such party’s right to insist and demand strict compliance by the other party with the terms of this Agreement thereafter. Section 13.7 Parties in Interest. Nothing in this Agreement, expressed or implied, is intended to or shall be construed to confer upon or to give to any person or entity other than the Company and the Purchaser any rights, remedies or claims under or by reason of this Agreement or any covenants, conditions or stipulations hereof, and all covenants, conditions, promises and agreements in this Agreement contained by or on behalf of the Company or the Purchaser shall be for the sole and exclusive benefit of the Company and the Purchaser, except that, notwithstanding the forgoing, Massachusetts Development Finance Agency and The Community Builders, Inc. are intended to be and shall be a third party beneficiary of this Agreement, including without limitation the right to enforce the provisions of Section 7.4 applicable to it. Section 13.8 Amendment. This Agreement may be amended, from time to time only upon written amendment executed by both the Company and the Purchaser. Section 13.9 Counterparts. This Agreement may be executed in any number of counterparts, each of which shall be deemed an original and all of which together shall constitute one and the same instrument. Section 13.10 Governing Law. This Agreement will be governed by and construed in accordance with the laws of the Commonwealth of Massachusetts. Any suit, action, or proceeding, whether claim or counterclaim, brought or instituted by any party hereto on or with respect to this Agreement or which in any way relates, directly or indirectly, to this Agreement or any event, transaction, or occurrence arising out of or in any way connected with this Agreement or the Property, or the dealings of the parties with respect thereto, shall be tried only by a court and not by a jury. EACH PARTY HEREBY EXPRESSLY WAIVES ANY RIGHT TO A TRIAL BY JURY IN ANY SUCH SUIT, ACTION, OR PROCEEDING. Section 13.11 Anti-Discrimination Provision. In the construction and development of the Purchaser Project and the leasing of Units, the Purchaser covenants that it shall not restrict the rental, lease or use of the Premises or any Unit on the basis of race, sex, creed, color, age, disability or national origin or any other basis prohibited by law and the Purchaser shall not discriminate upon the basis of race, sex, creed, color, age, disability or national origin or any other basis prohibited by law in the sale, lease or rental, or use or occupancy of any Unit, the Commercial Space or other improvements erected thereon. Section 13.12 Time of the Essence. Time is of the essence of this Agreement and all covenants and deadlines hereunder. The agreement of the Purchaser and the Company that time is of the essence of each and every provision of this Agreement shall not be waived or modified by any conduct of the parties, and the agreement of the Purchaser and the Company that time is (46) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx of the essence of each and every provision of this Agreement may only be modified or waived by the express written agreement of the Purchaser and the Company that time shall not be of the essence with respect to a particular date or time period, or any modification or extension thereof, which is provided under this Agreement. Section 13.13 IRS Real Estate Sales Reporting. The Purchaser and the Company hereby agree that David Bloomberg of Fierst, Kane & Bloomberg, LLP, shall act as “the person responsible for closing” the transaction which is the subject of this Agreement pursuant to Section 6045(e) of the Code and shall prepare and file all informational returns, including IRS Form 1099-S, and shall otherwise comply with the provisions of Section 6045(e) of the Code. Section 13.14 Time Periods. In the event the time for performance of any obligation hereunder expires on a day that is not a Business Day, the time for performance shall be extended to the next Business Day. Section 13.15 No Implied Agreement. Neither the Company nor the Purchaser shall have any obligations in connection with the transaction contemplated by this Agreement unless both the Company and the Purchaser, each acting in its sole discretion, elects to execute and deliver this Agreement to the other party. No correspondence, course of dealing or submission of drafts or final versions of this Agreement between the Company and the Purchaser shall be deemed to create any binding obligations in connection with the transaction contemplated hereby, and no contract or obligation on the part of the Company or the Purchaser shall arise unless and until this Agreement is fully executed by both the Company and the Purchaser. Once executed and delivered by the Company and the Purchaser, this Agreement shall be binding upon them notwithstanding the failure of Escrow Agent or any broker or other person to execute this Agreement. Section 13.16 Limitations on Liability. Notwithstanding anything to the contrary in this Agreement, and subject to any additional limitations on Company’s liability set forth elsewhere in this Agreement: (a) Purchaser’s recourse against Company under this Agreement or any agreement, document, certificate or instrument delivered by Company hereunder, or under any law, rule or regulation relating to the Premises, shall be limited to Company’s interest in the Premises (or, following the Closing, to the net proceeds of the sale of the Premises actually received by Company); and (b) in no event shall any of the Company Parties have any personal liability hereunder or otherwise. Notwithstanding anything to the contrary in this Agreement, and subject to any additional limitations on the Purchaser’s liability set forth elsewhere in this Agreement, the Purchaser and the Purchaser’s members, and their respective agents, officers, members, directors, trustees, advisors, managers and employees shall not have any personal liability hereunder or otherwise. Section 13.17 Further Instruments. Each party, promptly upon the request of the other, shall execute and have acknowledged and delivered to the other or to Escrow Agent, as may be appropriate, any and all further instruments reasonably requested or appropriate to evidence or give effect to the provisions of this Agreement and which are consistent with the provisions of this Agreement. (47) 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx Section 13.18 Descriptive Headings; Word Meaning. The descriptive headings of the paragraphs of this Agreement are inserted for convenience only and shall not control or affect the meaning or construction of any provisions of this Agreement. Words such as “herein”, “hereinafter”, “hereof” and “hereunder” when used in reference to this Agreement, refer to this Agreement as a whole and not merely to a subdivision in which such words appear, unless the context otherwise requires. The singular shall include the plural and the masculine gender shall include the feminine and neuter, and vice versa, unless the context otherwise requires. The word “including” shall not be restrictive and shall be interpreted as if followed by the words “without limitation.” Section 13.19 No Recording. The provisions hereof shall not constitute a lien on the Property. Neither the Purchaser nor its agents or representatives shall record or file this Agreement or any notice or memorandum hereof in any public records. If the Purchaser breaches the foregoing provision, this Agreement shall, at Seller’s election, terminate, and the Company shall retain the Deposit in accordance with Section 12.2. The Purchaser hereby irrevocably appoints the Company as its true and lawful attorney-in-fact, coupled with an interest, for the purpose of executing and recording such documents and performing such other acts as may be necessary to terminate any recording or filing of this agreement in violation of this provision. [THE REMAINDER OF THIS PAGE IS INTENTIONALLY LEFT BLANK. THE NEXT PAGE IS THE SIGNATURE PAGE.] (49) List of Exhibits Exhibit A – Site Plan Exhibit B – Conceptual Master Plan Exhibit C – Wiring Instructions Exhibit D – Common Expenses Budget Exhibit E – Form of Release Deed Exhibit F-1 – Form of Company’s Representation Certificate Exhibit F-2 – Form of Purchaser’s Representation Certificate Exhibit G – Design Guidelines for Village Hill Exhibit H – Residential Architectural Style Guide Exhibit I – Section 61 - Construction Mitigation Requirements 007-0088 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx Exhibits EXHIBIT A Site Plan [See Attached] 007-0088 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx Exhibits EXHIBIT B Conceptual Master Plan [See Attached] 007-0088 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx Exhibits EXHIBIT C Wiring Instructions NSP Webster Bank IOLTA Account Wiring Instructions Account Name and Number: Webster Bank, N.A. Nolan Sheehan Patten LLP IOLTA Account Acct: # 9320329712 ABA Routing # 211170101 Webster Bank, N.A. 145 Bank Street Waterbury, CT 06702 007-0088 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx Exhibits EXHIBIT D Common Expenses Budget [See Attached] 007-0088 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx Exhibits EXHIBIT E Form of Release Deed HOSPITAL HILL DEVELOPMENT LLC, a Delaware limited liability company with a usual place of business c/o Massachusetts Development Finance Agency, 99 High Street, Boston, Massachusetts (the “Grantor”) for consideration paid of ________________________________________, release to _______________________________________with a usual place of business at _______________________________ (the “Grantee”), without any covenants and without any representations and warranties of any kind whatsoever, the land in Northampton, Hampshire County, Massachusetts, more particularly described as follows: [LEGAL DESCRIPTION] Hereby conveying a portion of the same premises as were conveyed to Grantor by a Release Deed dated November 25, 2002 and recorded in the Hampshire Country Registry of Deeds at Book 6925, Page 302 and shown as a part of Parcels A and H on that certain plan entitled “Boundary Survey of Land of the Commonwealth of Massachusetts formerly the Northampton State Hospital, Northampton, Massachusetts” dated December 17, 1996, last revised December 18, 1997, prepared by Roberge Associates Land Surveying (“Boundary Survey”) and recorded with the Hampshire County Registry of Deeds in Plan Book 183, Pages 1 through 6. The Premises are conveyed subject to the terms of the Land Disposition Agreement between the Commonwealth of Massachusetts, acting by and through its Division of Capital Asset Management and Maintenance of the Executive Office for Administration and Finance and The Community Builders, Inc., dated September 5, 2002, recorded in the Hampshire County Registry of Deeds at Book 6925, Page 186. The Premises are conveyed subject to the terms and conditions of a Special Permit Decision issued by the Northampton Planning Board on September 26, 2002 which is recorded in the Hampshire County Registry of Deeds in Book 6835, Page 81. SUBJECT also to the Amendment to the Special Permit issued on August 14, 2003 and recorded in the Hampshire County Registry of Deeds in Book 8024, Page 249, and further amendment on February 19, 2004 in accord with a settlement agreement dated January 30, 2004 (Land Court No. 292406) which is recorded in the Hampshire County Registry of Deeds in Book 8024, Page 252., and further amendment on August 6, 2007 and record in the Hampshire County Registry of Deeds in the Hampshire County Registry of Deeds at Book 9282, Page 103 and further amendment on March 6, 2009 and recorded in the Hampshire County Registry of Deeds in Book 9957, Page 56 (collectively, including the original Special Permit and all Amendments thereto, the “Special Permit”). The Premises are conveyed subject to the Definitive Subdivision Approval Conditions issued by the Northampton Planning Board on January 22, 2004, which is recorded in the Hampshire Registry of Deeds in Plan Book 202, Page 75. The Premises are conveyed subject to the Definitive Subdivision Approval Conditions issued by the Northampton Planning Board on July 26, 2007, which is recorded in the Hampshire Registry of Deeds in Book 9318, Page 289. 007-0088 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx Exhibits The Premises are conveyed subject to the Definitive Subdivision Approval Conditions issued by the Northampton Planning Board on April 23, 2009, which is recorded in the Hampshire County Registry of Deeds in Book 10550, Page 282, as amended by the Notice of Definitive Subdivision Approval – Amendment issued by the Northampton Planning Board on March 22, 2012 and to be recorded in the Hampshire County Registry of Deeds, in so far as the same is in force and effect and applicable to the Premises. The Premises are conveyed subject to the Definitive Subdivision Approval Conditions issued by the Northampton Planning Board on February 23, 2012, which is recorded in the Hampshire County Registry of Deeds in Book 10903, Page 330, as amended by the Notice of Definitive Subdivision Approval Amendment issued by the Northampton Planning Board on March 22, 2012 and recorded in the Hampshire County Registry of Deeds in Book 10903, Page 333, in so far as the same is in force and effect and applicable to the Premises. The Premises are conveyed subject to and together with the easements and restrictions contained in the Declaration of Covenants, Restrictions, Maintenance and Easement Agreement dated October 8, 2004 and recorded in the Hampshire Registry of Deeds in Book 8024, Page 275, as amended by that Amendment to the Declaration of Covenants, Restrictions, Maintenance and Easement Agreement dated September 22, 2006 and recorded in the Hampshire County Registry of Deeds at Book 9016, Page 215 on January 20, 2007, as restated and amended by the Consolidated Restatement and Amendment of Declaration of Covenants, Restrictions, Maintenance and Easement Agreement dated April 17, 2008 and recorded in the Hampshire County Registry of Deeds at Book 9457, Page 1, as amended by the Supplemental Declaration dated as of November 2, 2009 and recorded in the Hampshire County Registry of Deeds at Book 10019, Page 271, as further amended by the Second Supplemental Declaration dated as of May 21, 2012 and recorded in the Hampshire County Registry of Deeds at Book 10921, Page 26, as further amended by the Third Supplemental Declaration dated as of July 20, 2012 and recorded in the Hampshire County Registry of Deeds at Book 10984, Page 128, as further amended by the Fourth Supplemental Declaration dated as of October 24, 2013 and recorded in the Hampshire County Registry of Deeds at Book 11503, Page 113, as further amended by the Fifth Supplemental Declaration dated as of November 24, 2015 and recorded in the Hampshire County Registry of Deeds at Book 12141, Page 297, as further amended by the Sixth Supplemental Declaration dated as of September 13, 2016 and recorded in the Hampshire County Registry of Deeds at Book 12403, Page 297, and as further amended by the Seventh Supplemental Declaration dated as of July 28, 2017 and recorded in the Hampshire County Registry of Deeds at Book 12700, Page 281. The Premises are conveyed subject to a Declaration of Covenants, Conditions and Restrictions dated on or about the date hereof and recorded in the Hampshire County Registry of Deeds herewith. The Premises are conveyed subject to and with the benefit of all easements, restrictions, rights and encumbrances of record, in so far as the same are in force and effect and applicable to the Premises. For the purpose of providing utility services to the Premises, including, but not limited to, water, sewer, gas, electric, cable television, telecommunication service and the stormwater drainage system (collectively referred to as the "Utility Services"), the Grantor hereby grants to the Grantee the perpetual and non-exclusive right and easement to connect to each of the above-referenced services as said services are now or may in the future be located in private or public ways, now or hereafter serving the Premises (the "Utility Easements") in such locations as may be reasonably agreed upon by the Grantor and the Grantee. This appurtenant right shall be subject to the compliance by the Grantee with the applicable state and local ordinances, rules, and regulations for utility connections and services. The Grantee shall, in the utilization of the easement rights hereunder, reasonably restore any areas disturbed in connection with 007-0088 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx Exhibits any work undertaken in relation to the easements to its condition prior to Grantee's work. This appurtenant rights shall include a permanent and non-exclusive easement and right of access over such easement areas necessary to use, construct, maintain, repair, and replace any improvements constructed within such areas by the Grantee, such rights to repair and replace any improvements constructed within such areas shall be subject to the prior written notice and approval of the Grantor, which approval shall not be unreasonably withheld; however, no such notice or approval shall be required in the event of an emergency. The conveyance of the Premises does not constitute the sale by the Grantor of all or substantially all of its assets. Signed as a sealed instrument as of this ____ day of __________, 20______. HOSPITAL HILL DEVELOPMENT LLC By: Massachusetts Development Finance Agency, Its Manager By:____________________________________ Name: Richard Henderson Title: Executive Vice President for Real Estate COMMONWEALTH OF MASSACHUSETTS Suffolk, ss. On this ____ day of _________, ______, before me, the undersigned notary public, personally appeared Richard Henderson, proved to me through satisfactory evidence of identification, which was (a current driver’s license) (a current U.S. passport) (my personal knowledge of the identity of the principal), to be the person whose name is signed on the preceding or attached document, and acknowledged to me that he signed it voluntarily for its stated purpose, as Executive Vice President for Real Estate, Massachusetts Development Finance Agency acting in its capacity as the manager of Hospital Hill Development LLC, a Delaware limited liability company and as the voluntary act of the limited liability company. ____________________________________ (official signature and seal of notary) My commission expires 007-0088 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx Exhibits EXHIBIT A to Release Deed Legal Description 007-0088 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx Exhibits EXHIBIT F-1 Form of Company’s Representation Representation Certificate The undersigned, as Seller under a Land Disposition Agreement (“Agreement”) dated as of ________________, 200___ between Hospital Hill Development LLC (“Seller”) and ______________________________ hereby certify to Purchaser as follows: Except as otherwise disclosed in writing to Purchaser, the representation and warranties set forth in Section 10.1 of the Agreement are hereby reaffirmed as of the date hereof. Seller’s liability hereunder shall be subject to the limitation set forth in the Agreement. Dated as of this ___ day of _____________, 200___ Seller: Hospital Hill Development LLC, a Delaware limited liability company By: Massachusetts Development Finance Agency, its manager By:_______________________________________ Name: Title: 007-0088 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx Exhibits EXHIBIT F-2 Form of Purchaser’s Representation Representation Certificate The undersigned, as Purchaser under a Land Disposition Agreement (“Agreement”) dated as of ________________, 200___ between Hospital Hill Development LLC (“Seller”) and ______________________________ (“Purchaser”) hereby certify to Seller as follows: Except as otherwise disclosed in writing to Seller, the representation and warranties set forth in Section 10.2 of the Agreement are hereby reaffirmed as of the date hereof. Purchaser’s liability hereunder shall be subject to the limitation set forth in the Agreement. Dated as of this ___ day of _____________, 200___ Purchaser: By:_______________________________________ Name: Title: 007-0088 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx Exhibits EXHIBIT G Design Guidelines: The Village at Hospital Hill (Previously provided to the Purchaser) 007-0088 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx Exhibits EXHIBIT H Residential Architectural Style Guide (Previously provided to the Purchaser) 007-0088 007-0088 TCB-Lot 20 - Land Disposition Agreement v7.docx Exhibits EXHIBIT I Construction Mitigation Requirements of Section 61 Findings Addenda Vacant Land Parcel Reciprocal Easement Addenda Vacant Land Parcel Engagement Letter Scott Allen, MAI Executive Vice President | Valuation & Advisory 2410 North Forest Road, Suite 204 Getzville, NY 14068 M 716.523.0668 scott.allen@ngkf.com www.ngkf.com/valuation August 21, 2019 Ms. Rachana Crowley The Community Builders 31 Trumbull Road Northampton, MA 01060 RCrowley@tcbinc.org Re: Real Estate Appraisal North Commons at Village Hill Lot 13-A Northampton, MA 01060 B-19274 Dear Ms. Crowley: We understand that you are in need of an appraisal of the site associated with your North Commons at Village Hill project in Northampton. We are familiar with this development having previously issued market analysis work for you in conjunction with the development advancement. The site was toured within the last year and for this land analysis we are not anticipating the need for a new/additional site tour. The appraisal will apply what is known as Lot 13-A, a site where the plans call for a 53 unit development. The report will be used in conjunction with your submission and discussions with the State Allocating agency and the application process. We will need the following information: • Signed authorization • Site plan • Purchase terms/agreement or contract • Zoning that applies and status of what is needed to develop the project • Confirmation of the specific property address Cost and Timing The cost is $1,800 and we will provide the report by September 20th, 2019 with value provided prior to that data. If the terms are acceptable the attached acknowledgement can be signed and resubmitted as authorization to begin the work effort. No retainer will be required, though payment is needed to be made subsequent to the issuance of the report. We look forward to working with you on this assignment and please feel free to contact the undersigned if there are any questions or issues. Respectfully, NEWMARK KNIGHT FRANK LLC M. Scott Allen, MAI Executive Vice President | Valuation & Advisory Schedule “A” TERMS AND CONDITIONS ATTACHED TO AND A PART OF THE ENGAGEMENT LETTER DATED AUGUST 21, 2019 TO PROVIDE APPRAISAL SERVICES FOR THE COMMUNITY BUILDERS. 1. These Terms and Conditions are attached to and incorporated into the above referenced engagement letter as though fully set forth in full therein, and together form the “Agreement.” Capitalized terms if not defined herein shall have the same meaning as defined in the Agreement. 2. With respect to any appraisal report, use of or reliance on the appraisal by any party, regardless of whether the use or reliance is authorized or known by the Firm, constitutes acceptance of these Terms and Conditions as well as acceptance of all other appraisal statements, limiting conditions and assumptions stated in the Agreement and appraisal report. 3. It is assumed that there are no matters affecting the Property that would require the expertise of other professionals, such as engineers or an environmental consultant, for Firm to provide the appraisal. If such additional expertise is required, it shall be provided by other parties retained by Client at Client’s sole cost and expense. 4. Client acknowledges that the Firm is being retained as an independent contractor to provide the services described herein and nothing in this Agreement shall be deemed to create any other relationship between Firm and Client, including but not limited to an agency relationship. The parties neither intend nor have any expectation that any such relationship will arise as a matter of law or as a result of this Agreement. This assignment shall be deemed concluded and the services hereunder completed upon delivery of the appraisal described herein to Client. 5. All statements of fact contained in the appraisal report as a basis of the appraiser's analyses, opinions, and conclusions will be true and correct to the best of the appraiser's actual knowledge and belief. The appraiser is entitled to, and shall rely upon the accuracy of information and material furnished to the Firm by Client. Appraiser is also entitled to, and shall, rely on information provided by sources upon which members of the appraisal profession typically rely and that are deemed to be reliable by members of that profession without independent verification. 6. The Firm and the appraiser shall have no responsibility for legal matters, or questions or issues involving survey or title, soil or subsoil conditions, engineering, zoning, buildability, environmental contamination, structural matters, construction defects, material or methodology, or other similar technical matters with regarding the Property. Furthermore, the appraisal will not constitute a survey of the Property. 7. The appraisal and the data and information gathered in its preparation (other than the confidential data and information provided by Client) is and will remain, the property of the Firm. The Firm shall not violate the confidential nature of the appraiser-client relationship by improperly disclosing any confidential information furnished by Client to the Firm. Notwithstanding the foregoing, the Firm and the appraiser are authorized by Client to disclose all or any portion of the appraisal and appraisal report and the related data and information, including confidential data and information provided by Client, to appropriate representatives of the Appraisal Institute if such disclosure is required to comply with the Standards, Bylaws and Regulations of the Appraisal Institute, as well as, such disclosure as required by law and regulations, including compliance with a subpoena and licensing authority regulatory inquiries. The Firm is also authorized to include both confidential and non-confidential data assembled in the course of preparing the appraisal and which may be incorporated into the appraisal report in a database controlled by the Firm for the aggregation of such data and information to produce analytics and other metrics or products. 8. Unless specifically noted in the appraisal report, the appraisal will not take into consideration the possibility or probability of the existence of asbestos, PCB transformers, other toxic, hazardous, or contaminated substances and/or underground storage tanks (hazardous material) at on or in the Property, or the cost of encapsulation, removal or remediation thereof. 9. Client shall indemnify, defend (by counsel to be selected by Firm), protect, and hold Firm and Firm’s appraisers, agents, employees, affiliates, representatives, successors and assigns (each a “Firm Party”), free and harmless from any and all claims, liabilities, losses, penalties, fines, forfeitures, amounts paid in settlement, judgments, and all reasonable attorneys' fees and related litigation costs, fees and expenses incurred by the any of such indemnitees, which result from (i) any failure by Client or Client’s agents or representatives to provide Firm with complete and accurate information regarding the Property; (ii) any material breach by Client of the provisions of the Agreement; (iii) if delivery of the appraisal to a third party is permitted by the Firm, Client providing an incomplete copy of the appraisal to such third party; or (iv) arising from Client or Client’s agents or representatives providing a copy of the appraisal to a party not authorized by the Firm to receive such copy. 10. In preparing the appraisal, it is possible that the appraiser will discover conflicting information. In that event, appraiser will utilize information and data considered to be the most authoritative and for critical information will document the source. Information and data referred to may include, but is not limited to, legal descriptions; physical street addresses; assessor parcel numbers; property history; dimensions and areas of the site/land; dimensions and areas of the building improvements; physical unit counts; rent rolls; leases; lease abstracts; income and expense data; and any other related data. Any material discrepancy and/or error in any of the above data could have a substantial impact on the conclusions reported, and the Firm therefore reserves the right to amend conclusions reported if the Firm is made aware of any such discrepancy and/or error. 11. The appraisal may not be used, included or referenced, in whole or in part, in any offering or other materials without the prior written consent of the Firm, which consent may be conditioned upon the receipt by the Firm of an indemnity agreement, in form and content, satisfactory to Firm and provided by an indemnitor satisfactory to Firm. Client agrees to pay the fees of the Firm’s legal counsel for review of any materials which is the subject of the requested consent. Except as agreed by the Firm expressly in writing, the Firm disclaims liability to any party other than Client. 12. The Firm shall not provide a copy of the appraisal to, or disclose the results of the appraisal to, any party other than Client, unless Client authorizes same, except as provided in the Confidentiality Section of the ETHICS RULE of the Uniform Standards of Professional Appraisal Practice (USPAP) or as otherwise required by law or regulations. 13. Client and any other identified Intended User should consider the appraisal as only one factor together with its own independent considerations and underwriting guidelines in making any decision or investment or taking any action regarding the Property. Client agrees that Firm shall not be responsible in any way for any decision of Client or any Intended User related to the Property or for the advice or services provided by any other advisors or contractors. 14. Unless otherwise stated in this Agreement, Client agrees that the services pursuant to this Agreement shall not include participation in or preparation for, or attendance at, any legal, judicial, administrative, or arbitration proceeding relating to this assignment. In the event the Firm or any Firm Party is required, whether through the service of a subpoena or otherwise, to produce documents or participate in or prepare for any discovery, testimony or attendance, relating to the appraisal or this assignment, where the Firm or Firm Party is not a party to the action or proceedings involved, Client agrees to reimburse expenses incurred by the Firm or Firm Party, including attorney’s fees, in responding to such subpoena or other legal process and compensate the Firm therefor based upon the appraiser’s prevailing hourly or daily rate for providing services as an expert consultant or witness. 15. Except as expressly provided herein, Firm makes no representations or warranties to Client or to any other person or entity with respect to the appraisal and the services to be provided by Firm under this Agreement. To the maximum extent permitted under applicable law, in no event will the Firm or any Firm Party be liable to Client or any third party (regardless of whether such party’s claimed use or reliance on the appraisal was authorized by the Firm or a Firm Party) for any indirect, special, exemplary, incidental, or consequential damages (including loss of profits) arising from or relating to this Agreement or the appraisal, even if such party knew or should have known of the possibility of, or could reasonably have prevented, such damages. In no event shall the total liability of the Firm or any Firm Party to Client or any third party (regardless of whether such party’s claimed use or reliance on the appraisal was authorized by the Firm or a Firm Party) arising from or relating to this Agreement or the appraisal, whether based on tort, contract, or any other legal theory, exceed the amount of fees paid to the Firm for the appraisal and the services described herein. Legal claims or causes of action relating to the appraisal are not assignable, except: (i) as the result of a merger, consolidation, sale or purchase of a legal entity, (ii) with regard to the collection of a bona fide existing debt for services but then only to the extent of the total compensation for the appraisal plus reasonable interest, or (iii) in the case of an appraisal performed in connection with the origination of a mortgage loan, as part of the transfer or sale of the mortgage before an event of default on the mortgage or note or its legal equivalent. 16. Federal banking regulations require banks and other lending institutions to engage appraisers where FIRREA compliant appraisals must be used in connection with mortgage loans or other transactions involving federally regulated lending institutions. In view of that requirement, the appraisal may not be accepted by a federally regulated financial institution. 17. In the event Client fails to make payments of any fees or sums when due and payable under this Agreement; then from the date due and payable until paid, the amount due and payable shall bear interest at the maximum rate permitted under the laws of the state in which the Property is located. If the Firm is required to undertake collection efforts including institution of legal action against Client relating to the Agreement, the Firm shall be entitled to recover attorney's fees, litigation expenses, and costs from Client. 18. To the extent permitted under applicable law, any legal action or lawsuit or other proceeding by Client or any Intended User of the appraisal against Firm or a Firm Party whether based in contract, tort, warranty, indemnity or otherwise, relating to the appraisal shall be commenced within two (2) years from the date of delivery of the appraisal to the claimant in such action or proceeding, unless the applicable law provides for a shorter period, and any such claimant waives the right to a jury in any such legal action or lawsuit or other proceeding. Notwithstanding the state of domicile or residency of either party to this Agreement, this Agreement shall be governed and construed under the laws of the state in which the Property is located, and venue for any action or proceeding arising out of this Agreement shall be deemed proper only in the court of competent jurisdiction located in the state in which the Property is located. 19. Throughout the performance of services under this Agreement, the Firm shall maintain at is sole cost and expense the following insurance: (a) Workers’ Compensation, so as to provide statutory benefits as required by the laws of each state within the United States in which the Firm’s services are being provided, and Employer’s Liability insurance with limits of liability of no less than $1,000,000 each accident, $1,000,000 disease each employee and $1,000,000 disease policy limit covering all employees of the Firm engaged in the performance of such services. (b) Fidelity insurance or bond with a limit of not less than $1,000,000 to insure the Firm against loss of its or Client’s assets caused from the dishonest acts of the Firm’s employees. (c) Professional Liability insurance with a limit of liability of not less than $15,000,000 each claim and $15,000,000 aggregate, which limits may be provided by a combination of primary and excess policies. (d) Commercial General Liability insurance providing coverage against damages due to bodily injury (including death), property damage and personal and advertising injury arising in connection with the Firm’s services provided under this Agreement, which insurance coverage shall: (i) be occurrence-based; (ii) provide limits of liability in an amount not less than $1,000,000 each occurrence and $1,000,000 aggregate (including excess and/or umbrella limits), (iii) include at least those coverages generally included in the most current ISO Commercial General Liability insurance policy form (or its equivalent); and (iv) include Client, and such other persons or entities as Client may identify in writing, as additional insureds solely with regard to claims arising out of this Agreement. (e) Commercial automobile liability for owned, hired and non-owned motor vehicles, with a $1,000,000 combined single limit. Addenda Vacant Land Parcel Qualifications 1 M. SCOTT ALLEN, MAI Executive Vice President Newmark Knight Frank North Forest Road, Suite 204 Amherst, NY 14068 scott.allen@ngkf.com T 716.523.0668 Years of Experience 33 Years Areas of Specialization  Valuation & Advisory  Market Analysis  Multifamily  Land  HUD FHA/MAP  LIHTC Appraisals and Market studies Professional Background Scott Allen, MAI, joined Newmark Knight Frank Valuation & Advisory in 2019 as executive vice president of the Buffalo office. A 33-year industry veteran, Mr. Allen has prepared valuations and market analyses across a broad range of property types that includes residential housing, low- income housing projects, apartments, student apartments, historic preservation projects, senior housing projects, commercial property and vacant land. Over the course of his career, Mr. Allen has focused on producing quality market analyses and appraisal work in a timely manner for mortgage lenders, corporations, non-profits, tax credit syndicators, private developers/investors, and government entities including HUD, Rural Development, and Fannie Mae/Freddie Mac. Mr. Allen began his career as a certified general appraiser and currently focuses his work efforts on market analysis and appraisal work related to multifamily and residential housing. Prior to joining Newmark Knight Frank, Mr. Allen was principal and partner of GAR Associates, a commercial real estate and advisory firm established in 1961. Professional Affiliations Member, National Council of Housing Market Analysts (NCHMA) Board of Directors, National Housing & Rehabilitation Association (NH & RA) Member, Eastern & Western Lenders Association (HUD Lenders) Member, New York State Association For Affordable Housing (NYSAFAH) Licenses and Designations Designated member, Appraisal Institute (MAI) Certified general real property appraiser, states of Arizona, Connecticut, Maryland, Massachusetts, New Jersey, New York, North Carolina, Pennsylvania, South Carolina, Vermont, and Virginia. Approved Market Analyst by New York State HCR and ADOH (Arizona Department of Housing) HUD MAP appraisal and market analysis Education Mr. Allen earned his Bachelor of Arts degree in materials and logistics management from Michigan State University’s College of Business in 1986. Mr. Allen is currently certified by the Appraisal Institute’s voluntary program of continuing education for its designated members, and has been an approved instructor for the HUD MAP Underwriting Training Program since 2013.