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12. Governing Laws of Indiana. This Agreement and all questions relating to its validity, <br />interpretation, performance, and enforcement shall be governed by the laws and decisions of the <br />courts of the State of Indiana. <br />13. Applicant's Consent to Jurisdiction. The Applicant hereby irrevocably consents to the <br />jurisdiction of the Courts of the State of Indiana and of the St. Joseph County Circuit or Superior <br />Court in connection with any action or proceeding arising out of or relating to this Agreement or <br />any documents or instrument delivered with respect to any of the obligations hereunder, and any <br />action related to this Agreement shall be brought in such County and in such Court. <br />14. Notices. All notices, requests, demands, and other communications required or permitted <br />under this Agreement shall be in writing and shall be deemed to have been received when delivered <br />by hand or by facsimile(with confirmation by registered or certified mail)or on the third business <br />day following the mailing,by registered or certified mail,postage prepaid,return receipt requested, <br />thereof, addressed as set forth below: <br />If to Applicant: Cross Community, Inc. <br />707 Sherman Avenue <br />South Bend,Indiana 46616 <br />Attn: Tina Patton <br />If to the City:City of South Bend, Indiana <br />227 W. Jefferson Boulevard, Suite 1400S <br />South Bend, Indiana 46601 <br />Attn: Executive Director of Community <br />Investment <br />15. Assignment and Transfer Prohibited. This Agreement shall be binding upon and inure to <br />the benefit of the City and the Applicant and their successors and assigns, except(a)that no party <br />may assign or transfer its rights or obligations under this Agreement without the prior written <br />consent of the other party hereto, in which consent shall not be unreasonably withheld, and (b) <br />Applicant may assign and transfer its rights under this Agreement to the Permitted Assign without <br />prior written consent. "Permitted Assign" means the affiliated single purpose entity created for <br />purposes of designing, constructing, owning, operating, and maintaining the single-family <br />residences which are the subject of this Agreement. <br />16. Valid and Binding Agreement. This Agreement may be executed in any number of <br />counterparts,each of which shall be deemed to be an original as against any party whose signature <br />4