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2015.11.17 EDA Meeting Packet (Special)AGENDA ECONOMIC DEVELOPMENT AUTHORITY OF THE CITY OF CRYSTAL • SPECIAL MEETING • TUESDAY, NOVEMBER 17, 2015 FOLLOWING THE 7:00 P.M. CITY COUNCIL MEETING CRYSTAL CITY HALL COUNCIL CHAMBERS Call to order 2. Roll call 3. Approval of minutes from the September 16, 2015 special meeting * 4. Consider authorizing a contract for Housing Resource Center services in 2016 * 5. Consider authorizing a contract for the 2016 Home Improvement Incentive Rebate program * 6. Other business 7. Adjournment * Materials attached Minutes of the Crystal Economic Development Authority Special Meeting September 16, 2015 President Peak called the special meeting of the Crystal Economic Development Authority to order at 8:10 p.m. Upon call of the roll, the following members were present: Laura Libby, Casey Peak, Jim Adams, Julie Deshler, Jeff Kolb, and Olga Parsons. The following staff members were present: Anne Norris, Executive Director, John Sutter, Deputy Executive Director, Dan Olson, City Planner, and Troy Gilchrist, Attorney. Motion by Commissioner Adams (Kolb) to approve the minutes of the September 1, 2015 regular meeting. Motion carried. The EDA held a public hearing to consider a resolution authorizing the sale of a lot at 5626 Vera Cruz Avenue North to Tollberg Homes for new house construction. Mr. Olson presented the staff report. President Peak opened the public hearing. No one appeared and the hearing was closed. Motion by Commissioner Deshler (Parsons) to adopt Resolution #2015-11 authorizing the sale of a lot at 5626 Vera Cruz Avenue North to Tollberg Homes for new house construction. Motion carried. The EDA considered a resolution authorizing acquisition of foreclosed property at 4354 Xenia Avenue North. Mr. Sutter presented the staff report. Motion by Commissioner Adams (Kolb) to adopt Resolution 42015-12 authorizing acquisition of foreclosed property at 4354 Xenia Avenue North for a price not to exceed the list price of $45,000. Motion carried. Motion by Commissioner Adams (Parsons) to adjourn the special meeting. Motion carried. The meeting adjourned at 8:35 p.m. Casey Peak, President ATTEST: Olga Parsons, Vice President EDA STAFF REPORT Housing Resource Center funding for 2016 FROM: John Sutter, Community Development Director DATE: November 12, 2015 TO: Anne Norris, Executive Director (for November 17 EDA meeting) SUBJECT: Consider a Consultant Services Agreement with Greater Metropolitan Housing Corporation for Housing Resource Center services in 2016 The Greater Metropolitan Housing Corporation ("GMHC") is proposing to continue providing the services of its Housing Resource Center to Crystal residents. The proposed Consultant Services Agreement would continue the program in essentially the same manner as the past several years. The annual amount paid by the EDA to GMHC for these services would remain at $15,000, unchanged for 15 years. This amount is included in the 2016 EDA budget. This agreement funds the baseline services provided to residents of cities served by the Housing Resource Center, which includes technical assistance with remodeling projects and applications for a number of different home improvement programs. This agreement does not include Crystal's unique Home Improvement Incentive Rebate which is an additional, locally -funded program that is administered by the Housing Resource Center for the EDA under a separate annual agreement. During the first ten months of 2015, the Housing Resource Center provided the following services in Crystal: 415 Phone calls for general info including financing options 87 Construction consultations via phone or walk-in 75 In-home construction consultations (incl. scope of work written) 180 Funding applications mailed 89 Funding applications received and reviewed 73 Funding applications approved 919 TOTAL (Note: There is some duplication because as projects progress they will use more than one of these services.) A printout from the Housing Resource Center website is attached. EDA approval of the attached $15,000 Consultant Services Agreement is requested to continue Housing Resource Center services through 2016. HousingResource Center - North City of Crystal Monthly Status Report January 1, 1999 - October 31, 2015 Crystal Download information as PDF Crystal Rehab Incentive Program Depending on household income, applicants can qualify for a 10% 15% or 20% rebate on the total project cost. Household income must be less than $103,920 (adjusted annually). Homeowners must apply & sign a participation agreement for the rebate before any work begins or materials are purchased. Maximum rebate is $10,000 per calendar year per household. Minimum project cost must be $2,000 to be eligible for a rebate. Crystal Last Resort Grant Last Resort offers a $3,000 grant to address serious and immediate health and safety issues or code violations. Household income must not exceed 50% AMI, adjusted by household size. Construction manager evaluation & City approval are required. Work must be performed by a contractor, no sweat equity allowed. Minnesota Housing Community Fix Up Loan Crystal is offering a special low-interest home improvement loan in partnership with the Minnesota Housing Finance Agency. Owner -occupied households, from single-family up to four units, with an annual income at or below $99,500, can borrow up to $50,000 at a 3% interest rate. Loan term can extend to 20 years. Funds may be used to repair or remodel your home, including energy-saving improvements. This low interest rate is available for a limited time, contact the Housing Resource Center -North for interest rate updates. Apply now! Also available is an unsecured loan up to $15,000 with no equity requirement for a higher interest rate. Home Improvement Advice: Our construction managers provide free construction consultations to residents of Crystal. These services include: • Site visits with homeowners • Contractor information • Create a list of work for contractors to bid from • Review contractor bids, proposals or estimates • Accessibility modifications • Health and safety issues For more information contact the HousingResource Center TM — North 2148 44th Ave N Minneapolis MN 55412 Phone: (612) 588-3033 CONSULTANT SERVICES AGREEMENT THIS IS AN AGREEMENT entered into the day of , 20_, by and between the Crystal Economic Development Authority, ("EDA"), and GREATER METROPOLITAN HOUSING CORPORATION, a Minnesota non-profit corporation ("Consultant"). RECITALS A. The Consultant has a division called The Housing Resource Center ("HRC"). GMHC has agreed to provide certain Services through HRC (as defined below) in connection with the EDA's housing program. B. The EDA desires to hire the Consultant to render this technical, professional, and marketing assistance in connection with housing programs in the EDA for the term as set forth in this Agreement. C. Consultant is willing to provide such services on the terms and conditions set forth herein. In consideration of the foregoing recitals and following terms, conditions and mutual promises contained herein, the parties agree as follows: 1. Scope of Services. The Consultant shall provide services as follows (the "Services"): a. Administer the following home improvement programs for residents of the City of Crystal (the "City"): MHFA Fix Up Fund and Community Fix Up Fund (collectively the "MHFA Programs"): 1. Providing information to residents and property owners about the programs, upon request; assisting the City with marketing materials through various mediums; 2. Assist the EDA in developing procedures for the programs; 3. Receipt of applications from residents; 4. Processing applications; 5. Closing loans to qualified applicants in accordance with the applicable program; 6. Overseeing the draw process for. the funds, including, as necessary, reviewing draws, reviewing the progress of the work and collecting lien waivers and certificates of occupancy. Consultant may, for this purpose, rely on third -party representations and certifications. 7. Provide monthly reports about the number of loans closed and the balance in each loan program. fb.us.3166730.04 1 b. Assist City residents considering rehabilitation, including property visits, meet with homeowners and potential contractors, suggest alternatives for rehabilitation to homeowners, educate homeowners on the construction bid process, assist homeowners to evaluate bids and work completed and construction progress. C. Provide housing information to City residents, including information on emergency assistance, housing rehabilitation, first time homebuyers and limited rental information; d. Assist the EDA in developing programs to purchase and rehabilitate homes; e. Coordinate these services out of Consultant's Minneapolis office; and f. Have Consultant's staff visit residences as determined necessary by Consultant. 2. Term. This Agreement shall be in full force and effect from January 1, 2016 and shall continue through December 31, 2016, unless otherwise terminated as set forth below. 3. Compensation. For services provided under this Agreement, the EDA shall pay to the Consultant Fifteen Thousand Dollars ($15,000.00) within thirty (30) days after execution of this Agreement or January 31, 2016, whichever is later. The Consultant shall receive compensation for administering the MHFA Programs directly from the Minnesota Housing Finance Agency and not from the EDA. 4. Termination. Notwithstanding any other provision hereof to the contrary, this Agreement may be terminated as follows: a. The parties, by mutual written agreement, may terminate this Agreement at any time in which case the parties shall agree to the amount of fees payable to Consultant. b. EDA may terminate this Agreement upon the breach by Consultant of any of its material covenants contained herein, where such breach shall have continued for a period of thirty (30) days following the receipt by Consultant of a written notice from EDA, specifying the alleged breach; provided, however, if the nature of a non -monetary breach is such that Consultant cannot reasonably cure same in the thirty (30) day period, Consultant shall not be deemed to be in breach if it commences to cure within the thirty (30) day period, and diligently pursues same to completion within ninety (90) days following receipt by Consultant of such written notice. In the event of termination by EDA hereunder, Consultant shall be entitled to fees due to the date the notice of breach is sent by the EDA. If Consultant or EDA (as applicable) (i) files a voluntary petition in bankruptcy (ii) files a voluntary petition for reorganization under any bankruptcy law, statute or regulation or other similar statute or regulation, (iii) is adjudicated a bankrupt, fb.us.3166730.04 2 (iv) makes an assignment for the benefit of creditors or applies for or consents to the appointment of a receiver or trustee as part of or in conjunction with a "creditor plan" with respect to any substantial part of its assets, or (v) a receiver or trustee is appointed, or an attachment or execution levied with respect to any substantial part of its assets, and said appointment is not vacated, or the attachment or execution not released, within sixty (60) days, then this Agreement shall, effective as of such date, without notice or further action by either party, immediately terminate. d. Consultant may terminate this Agreement upon the breach by EDA of any of its material covenants contained herein, where such breach shall have continued for a period of thirty (30) days following the receipt by EDA of a written notice from Consultant, specifying the alleged breach; provided, however, if the nature of a non -monetary breach is such that EDA cannot reasonably cure same in the thirty (30) day period, EDA shall not be deemed to be in breach if it commences to cure within the thirty (30) day period, and diligently pursues same to completion within ninety (90) days following receipt by EDA of such written notice. In the event of termination by Consultant hereunder. Consultant shall be entitled to retain the entire fee under this Agreement. 5. Insurance. a. During the term of this Agreement, the Consultant shall obtain and maintain workers compensation, comprehensive general liability, and automobile liability insurance. Comprehensive general liability insurance shall have an aggregate limit of Two Million Dollars ($2,000,000.00). b. Upon request by the EDA, the Consultant shall provide a certificate or certificates of insurance relating to the insurance required. Such insurance secured by the Contractor shall be issued by insurance companies licensed in Minnesota. The insurance specified may be in a policy or policies of insurance, primary or excess. C. Such insurance shall be in force on the date of execution of an Agreement and shall remain continuously in force for the duration of the Agreement. 6. Indemnification. a. Notwithstanding anything to the contrary in this Agreement, the EDA, its officers, agents, and employees shall. not be liable or responsible in any manner to the Consultant, the Consultant's successors or assigns, the Consultant's subcontractors, or to any other person or persons for any third party claim, demand, damage, or cause of action of any kind, nature, or character, including intentional acts, arising out of or by reason of the performance of this Agreement by Consultant. The Consultant, and the Consultant's successors or assigns, agree to protect, defend and save the EDA, and its officers, agents, and employees, harmless from all third parry claims, demands, damages, and causes of action, to the extent caused by the fb.us.3166730.04 3 negligence or wrongful acts of Consultant, and the costs, disbursements, and expenses of defending the same, including but not limited to, attorneys fees, consulting services, and other technical, administrative or professional assistance. b. Nothing in this Agreement shall constitute a waiver or limitation of any immunity or limitation of any immunity or limitation on liability to which the EDA is entitled under Minnesota Statutes, Chapter 466, or otherwise. 7. Assignment. This Agreement shall not be assigned, sublet, or transferred, in whole or in part without the prior written approval of the EDA. 8. Conflict of Interest. The Independent Contractor shall use best efforts to meet all professional obligations to avoid conflicts of interest and appearances of impropriety in representation of the EDA. In the event of a conflict, the Independent Contractor, with the prior written consent of the EDA, shall arrange for suitable alternative services. 9. Compliance with Laws. The Consultant shall comply with all applicable Federal, State, and local laws, rules, ordinances, and regulations at all times and in the performance of the services pursuant to this Agreement. 10. Notices. Any notices permitted or required by this Agreement shall be deemed given when personally delivered or upon deposit in the United States mail, postage fully prepaid, certified, return receipt requested, addressed to: Consultant: Greater Metropolitan Housing Corporation 15 South 5t` Street, Suite 710 Minneapolis, MN 55402 ATTN: Suzanne Snyder EDA: Economic Development Authority of the City of Crystal 4141 Douglas Drive North Crystal, MN 55422 Attn: John Sutter Or such other address as either party may provide to the other by notice given in accordance with this provision. 11. Entire Agreement. This Agreement, any attached exhibits and any addenda or amendments signed by the parties shall constitute the entire agreement between the EDA and the Consultant, and supersedes any other written or oral agreements between the EDA and the Consultant. This Agreement can only be modified in writing signed by the EDA and the Consultant. 12. Third Party Rights. The parties to this Agreement do not intend to confer on any third party any rights under this Agreement. fb.us.3166730.04 4 13. Counterparts. This Agreement may be signed in one or more counterparts but 'all of which taken together shall constitute one instrument. 14. Choice of Law and Venue. This Agreement shall be governed by and construed in accordance with the laws of the state of Minnesota. Any disputes, controversies, or claims arising out of this Agreement shall be heard in the state or federal courts of Minnesota, and all parties to this Agreement waive any objection to the jurisdiction of these courts, whether based on convenience or otherwise. 15. Agreement Not Exclusive. The EDA retains the right to hire other housing program consultants, in the EDA's sole discretion. 16. Data Practices Act Compliance. Data provided to the Consultant or created by the Consultant under this Agreement shall be administered in accordance with the Minnesota Government Data Practices Act, Minnesota Statutes, Chapter 13, as amended. IN WITNESS WHEREOF, the parties hereto have executed, or caused to be executed by their duly authorized officials, this Agreement on the respective dates indicated below. ECONOMIC DEVELOPMENT AUTHORITY OF THE CITY OF CRYSTAL am Its: President Date: , 20_ Its: Executive Director Date: , 20 . fb.us.3166730.04 5 CONSULTANT: GREATER METROPOLITAN HOUSING CORPORATION By: Its: President Date: fb.us.3166730.04 1.1 T (JCRYSTAL EDA STAFF REPORT Home Improvement Incentive Program for 2016 FROM: John Sutter, Community Development Director DATE: November 12, 2016 TO: Anne Norris, Executive Director (for November 17 EDA meeting) SUBJECT: Consider an agreement with Greater Metropolitan Housing Corporation for the Home Improvement Incentive program in 2016 Since 2000, the EDA has operated an incentive program for home improvements under contract with Greater Metropolitan Housing Corporation (GMHC) and its Northwest Housing Resource Center. An expenditure summary from 2006 to present and a map of 2014 recipient locations are attached. The program was initially funded by the Minnesota Housing Finance Agency and Metropolitan Council. In 2002 the EDA began providing local funding as the MHFA and MC funding was exhausted. In 2009 the EDA began funding most of the program with available increment from tax increment financing (TIF) districts. In 2016, $199,800 has been budgeted for the program. This is $32,200 less than the $232,000 budgeted for 2015. The reason for the reduction is that program demand and expenditures seems to have settled at just under $200,000 per year. The proposed sources of funds are $177,600 available increment from TIF districts and $22,200 from the EDA. EDA approval of the attached 2016 agreement is requested. City of Crystal - Home Improvement Incentive Rebate - through September 30, 2015 On 4/01/2009, rebate percentages were increased: 10%01594o, 12% oWYo, and 15%725%. On 1/01/2012, rebate percentages were reduced: 7b% y7Wo, LU% ]17b%, and L5% ] zu7o. AVERAGE QUARTERLY EXPENDITURES SINCE JANUARY 1, 2012 (when rebate percentages were reduced to current levels): $664,180 REBATES PAID $73,060 ADMINISTRATION FEES $737,239 TOTAL EXPENDITURES SINCE JANUARY 1, 2012 15 NUMBER OF QUARTERS SINCE JANUARY 1, 2012 $49,149 AVERAGE QUARTERLY EXPENDITURES SINCE JANUARY 1, 2012 EXPENDITURES IN 2015: ADOPTED 2015 BUDGET: $115,645 REBATES PAID $209,800 AVAILABLE INCREMENT FROM TIF DISTRICTS $12,721 ADMINISTRATION FEES $22,200 FROM EDA $128,366 TOTAL EXPENDITURES TO DATE $232,000 TOTAL $232,000 2015 BUDGET $103,634 BUDGET UNEXPENDED PROPOSED 2016 BUDGET: $177,600 AVAILABLE INCREMENT FROM TIF DISTRICTS $22,200 FROM EDA $199,800 TOTAL Rebates Paid by Quarter $120,000 $100,000 $80,000 $60,000 77 6 $40,000 177C $20,000 a a a a a a a a a a a a a a a a a a a a a a a a a a a a a OM O co 1` a [— a 1` a 1- a 00 Co a M a 00 a a O O O O O O O_ O O O O O O O' O O O O O O O O O O O O O O O O O O O O O O O Co O O O O O O O O O O O O O O O O O O O O O -O O O N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N On 4/01/2009, rebate percentages were increased: 10%01594o, 12% oWYo, and 15%725%. On 1/01/2012, rebate percentages were reduced: 7b% y7Wo, LU% ]17b%, and L5% ] zu7o. AVERAGE QUARTERLY EXPENDITURES SINCE JANUARY 1, 2012 (when rebate percentages were reduced to current levels): $664,180 REBATES PAID $73,060 ADMINISTRATION FEES $737,239 TOTAL EXPENDITURES SINCE JANUARY 1, 2012 15 NUMBER OF QUARTERS SINCE JANUARY 1, 2012 $49,149 AVERAGE QUARTERLY EXPENDITURES SINCE JANUARY 1, 2012 EXPENDITURES IN 2015: ADOPTED 2015 BUDGET: $115,645 REBATES PAID $209,800 AVAILABLE INCREMENT FROM TIF DISTRICTS $12,721 ADMINISTRATION FEES $22,200 FROM EDA $128,366 TOTAL EXPENDITURES TO DATE $232,000 TOTAL $232,000 2015 BUDGET $103,634 BUDGET UNEXPENDED PROPOSED 2016 BUDGET: $177,600 AVAILABLE INCREMENT FROM TIF DISTRICTS $22,200 FROM EDA $199,800 TOTAL a. c 0 Z U 0 N les Home Improvement Incentive Program (January 1, 2016 December 31, 2016) A. Parties. This agreement is entered into between Economic Development Authority of the City of Crystal ("EDA") and Greater Metropolitan Housing Corporation ("GMHC"). B. Program Title and Purpose of Agreement. This agreement is in regards to the Home Improvement Incentive administered for EDA by GMHC at the Northwest Housing Resource Center. This agreement is intended to provide funding to continue the program after December 31, 2015, and to supersede and terminate the current agreement on December 31, 2015, said current agreement having been authorized by EDA on October 7, 2014. C. Program Outline. 1. Objective. Encourage reinvestment in the City's owner occupied housing stock, which makes up approximately 3/a of the City's housing units. EDA has determined that this is a housing development project under Minnesota Statutes 469.017, and that households meeting the income eligibility requirements described in Section 3 are considered to be low or moderate income households for the purposes of this project. A secondary objective is, on a more limited basis, to provide Last Resort grants that do not require homeowner match. 2. Goal. Assist with improvements to approximately 100 houses per year. 3. Eligibility. a. Type of Property. The following property types are eligible for either Incentive Rebates or Last Resort Grants: PAGE 1 OF 1 ❑ Owner -occupied single family homes in the City of Crystal, including owner occupied townhouses. ❑ Two family dwellings in the City of Crystal, provided that (1) the owner occupies one of the units and the property is homesteaded according to the Hennepin County Assessor, (2) the rental unit has a current rental license from the City of Crystal, and (3) the use of the property as a two family dwelling is listed as a permitted use in the zoning district in which it is located. Before approving such a request, GMHC staff shall contact EDA staff to ensure that these requirements have been met. Rental property is not eligible, except for the aforementioned qualifying two family dwellings subject to pre -approval by EDA staff. Property which is not the owner's principal residence is not eligible. b. Household Income. For Incentive Rebates, eligibility will be based on household income as a percentage of the regional median income. In the case of qualifying two family dwellings, eligibility will be based on the household income of the owner occupant. Eligibility shall be based on income as follows: ❑ 20% Rebate: Households with income up to 50% of the regional median income. ❑ 15% Rebate: Households with income from 50%-80% of the regional median income. ❑ 10% Rebate: Households with income from 80%-120% of the regional median income. ❑ For Last Resort Grants, only households with income up to 50% of the regional median income are eligible. PAGE 2 OF 2 C. Type of Expenditures. Materials and labor expenditures for mechanical, plumbing, electrical, exterior (roofing, siding, windows and doors), general remodeling and additions to the principal building are considered to be eligible expenditures. Eligible site improvements are limited to essential utilities, detached accessory buildings, retaining walls, fences, driveways, sidewalks and patios, decks, removal or trimming of diseased or otherwise hazardous trees, and treatment of trees to protect from Dutch Elm Disease or the Emerald Ash Borer. In all cases, for do-it-yourself projects, only materials costs are eligible expenditures for either Incentive Rebates or Last Resort grants. For Last Resort Grants, the project must address an immediate, unplanned need such as a failed sewer pipe or a furnace that needs replacement in the middle of winter. d. Minimum Project Size. For a project to be eligible for a rebate, the eligible project costs must be at least $2,000, except for sanitary sewer or driveway work completed concurrent with and related to a street reconstruction project initiated by the city for which there is no minimum project size. 4. Funding Cycle. Incentive Rebates and Last Resort Grants shall be disbursed on a first-come, first-served basis beginning January 1, 2016 and ending whenever EDA funds have been expended or December 31, 2016, whichever is earlier. The maximum EDA expenditure during the term of this agreement shall be $199,800 comprised of the maximum of $180,000 for Incentive Rebates and Last Resort Grants combined plus the maximum of $19,800 in administration fees described in Section 6. No more than $15,000 of EDA funds shall be spent on Last Resort grants per year. PAGE 3 OF 3 5. Amount of Assistance. For Incentive Rebates, depending on household income (see "Eligibility" above), the Incentive Rebate amount shall be 10%, 15% or 20% of eligible expenditures, not to exceed $10,000 per property per year. Incentive Rebates are to be paid upon fulfillment of all requirements established by GMHC and EDA including submittal of proof of payment and satisfactory completion of work including final inspection as verified by GMHC with the city's Building Official. Incentive Rebates are not retroactive; an application must be made to and approved by GMHC before costs are incurred and work begins. For Last Resort Grants, the maximum is $3,000 per property, one time. A property receiving a Last Resort Grant will not be eligible again for Last Resort funds until the property has a new owner occupant who is similarly eligible for Last Resort Grant. Other rules governing Incentive Rebates, including satisfactory completion and permit/inspection requirements, also apply to Last Resort Grants. 6. Administration. Administrative fees paid to GMHC shall not exceed $19,800 for the term of this Agreement. GMHC shall field initial inquiries, receive and keep copies of all cost invoices, prepare quarterly progress reports, and verify that all required permits have been secured and that the work has been satisfactorily completed. Administration fees shall be invoiced by and paid to GMHC at a rate of 11 % of the amount of Rebates and Last Resort Grants paid by GMHC. Administrative fees shall be invoiced by and paid to GMHC concurrent with reimbursement for the respective actual Rebates and Last Resort Grants paid by GMHC as described in Section 7. Any invoices for administration shall include the recipient name, property address, payment amount and date of any Incentive Rebates or Last Resort Grants. PAGE 4 OF 4 7. Reimbursement for Rebates Paid. Upon receipt of an invoice and supporting documentation from GMHC, EDA shall reimburse GMHC for the actual payments of Incentive Rebates and Last Resort Grants not previously reimbursed by EDA. Such reimbursement shall be in addition to the disbursement of administrative fees described in Section 6. GMHC shall provide to EDA copies of any audit reports and financial management reports that include funds disbursed under this agreement. 8. Records Retention and Availability. GMHC shall retain all records and files for each respective Incentive Rebate or Last Resort Grant until the end of the calendar year following its final close out by GMHC, at which time GMHC shall provide the records and files to EDA. EDA retains the right to inspect or audit all records relating to Crystal projects and the associated funding. Upon proper notice, EDA or its delegate (city auditors, State Auditor etc.) can review and inspect all records. 9. Term. The term of this Agreement is from January 1, 2016 through December 31, 2016. D. Signatures. ECONOMIC DEVELOPMENT AUTHORITY OF THE CITY OF CRYSTAL By: Its President By: Its Executive Director Date: Date: 20 ►91� PAGE 5 OF 5 GREATER METROPOLITAN HOUSING CORPORATION an Its Date: 20 PAGE 6 OF 6