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THIRD AMENDED AND RESTATED LOAN AGREEMENT <br />This THIRD AMENDED AND RESTATED LOAN AGREEMENT (the “Amended and <br />Restated Agreement” or “Agreement”), is made and entered into as of May , 2022, <br />between the City of South Bend, Indiana, a political subdivision of the State of Indiana (the <br />“Issuer”), and Tuliptree Associates LLC, a Pennsylvania limited liability company (“Tuliptree” <br />or the “Borrower”), under the circumstances summarized in the following recitals (the capitalized <br />terms not defined above or in the recitals being used therein as defined in or pursuant to Article <br />1 hereof). <br />WITNESSETH: <br />WHEREAS, the Issuer is authorized under the Act to issue tax-exempt bonds (as defined <br />in the Act) under the Act for economic development facilities (as defined in the Act) to accomplish <br />the purposes of the Act, and secure their payment as provided in the Act; and <br />WHEREAS, the Issuer is authorized under the Act to make direct loans to users (as defined <br />in the Act) for the cost of acquisition, construction or installation of economic development <br />facilities, with such loans to be secured by the pledge of one or more debt obligations of such <br />users; and <br />WHEREAS, the Commission, on or about November 17, 2006, considered whether <br />the Project may have an adverse competitive effect on similar facilities already constructed or <br />operating in South Bend, Indiana; and <br />WHEREAS, on or about November 17, 2006, in accordance with the Act, the Commission <br />prepared a report that briefly described the Project, estimated the number and expense of any public <br />works or services that would be made necessary or desirable by the Project, estimated the total <br />cost of the Project and estimated the number of jobs and the payroll to be created or saved, <br />submitted such report to the executive director of the plan commission where the Project will be <br />located and received the approval or received no comments concerning such report from such <br />executive director within five days from the receipt of such report; and <br />WHEREAS, after giving notice in accordance with the Act and Section 147(f) of the Code, <br />the Commission, for itself and on behalf of the Common Council, on or about November 17, 2006, <br />held a public hearing on the proposed financing of the Project, and, upon finding that the proposed <br />financing of the Project will be of benefit to the health or general welfare of the citizens of <br />South Bend, Indiana and complies with the Act, by resolution approved the financing of the <br />Project; and <br />WHEREAS, on or about November 27, 2006, the Common Council of the Issuer, after <br />finding that the financing so approved by the Commission will be of benefit to the health or general <br />welfare of the citizens of South Bend, Indiana and complies with the Act, adopted an <br />ordinance approving the proposed financing in the form that the financing was approved by the <br />Commission, authorizing the issuance of its City of South Bend, Indiana Variable Rate <br />Demand Economic Development Revenue Bonds, Series 2007 (PEI/Genesis Project) in the <br />aggregate principal amount of Eight Million One Hundred Five Thousand Dollars ($8,105,000) <br />pursuant to that certain Trust Indenture, dated as of January 1, 2007, between the City and the