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Hilton Garden Inn Landlord's Consent & Estoppel CertficateLANDLORD'S CONSENT & ESTOPPEL CERTIFICATE This Certificate is made and entered into this �y of November, 2006, by the CITY OF KALISPELL ("Landlord") to INTERVEST-MORTGAGE INVESTMENT COMPANY ("Bank"). RECITALS A. Landlord is the owner and lessor of real property legally described on Exhibit "A" attached hereto (the "Property"). B. Landlord is the owner, and Kalispell Hotel, LLC, a Montana limited liability company, previously identified as Kalispell Hotels, LLC (the "Tenant"), is the current lessee under that certain Lease of the Property dated July 12, 2006 (hereinafter the "Lease"). C. Bank and Tenant are parties to an executed loan commitment dated October 31, 2006, under which Bank has agreed to lend to Tenant the sum of $17,000,000.00 (the "Loan") secured by real property and improvements to be constructed thereon on Tract 1 of Certificate of Survey No. 17045 in the City of Kalispell, Flathead County, Montana, together with the additional parking located on the Property. D. Landlord acknowledges the request of Bank to confirm the status of the Lease and is delivering this Certificate pursuant to the provisions of the Lease. Landlord certifies to Bank as follows: CERTIFICATE 1. Consent. Landlord understands and acknowledges that Tenant's leasehold interest in the Property will be encumbered by the lien of a deed of trust in favor of Bank (the "Deed of Trust") and by an assignment of leases and cash collateral (the "Assignment of Leases") and hereby consents to such encumbrance subject to the interest of Landlord. The Deed of Trust and the Assignment of Leases will secure the payment of a Promissory Note in the original principal amount of $17,000,000.00 (the "Note"). Tenant shall remain liable to Landlord for the full performance of all obligations under the Lease. 2. Estoppel. Landlord hereby represents and warrants to Bank that.: (a) The Lease is unmodified and in full force and effect. The Lease constitutes the entire agreement of Landlord and Tenant with respect to the Property and there are no other agreements or understandings, verbal or written, which affect the rights and liabilities of Landlord and Tenant to one another with respect to the Lease and the Property. (b) There is no default under the Lease in payment of rent or in the observance or performance of any other covenant or condition to be observed or performed by Tenant or Landlord thereunder and no other event has occurred which does presently or would with the passage of time, the giving of notice or the expiration of a period of grace constitute a default by either party under the Lease or create a right of termination of the Lease by either party. (c) The Lease term commenced November , 2006. The term of the Lease terminates on November , 2105. GAtUntervest 81312UCkKalispell Hotel 9MEst Cert.wpd (d) The annual rental under the Lease is currently $10,116.00 payable on the first day of July of each year. The annual rent will be adjusted in accordance with the terms of Article V C of the Lease. (e) Landlord has no knowledge of any prior or other assignment or of any prior hypothecation or pledge of Tenant's interest under the Lease, except as noted in the real property records of Flathead County. 3. Acknowledgment of Restriction. Landlord acknowledges that the terms of the Loan Documents restrict the right of the Tenant to modify, amend, terminate, cancel, surrender or supersede its obligations under the Lease without the express prior written approval of Bank, and Landlord agrees that no such change will be made to the Lease without prior notice to Bank. 4. Default by Tenant. In the event of a default by Tenant under the Lease, Landlord agrees to promptly deliver written notice to Bank setting forth the nature and extent of the default. Bank shall have the right (but without the obligation to do so) within thirty (30) days of receipt of notice to cure the default in the same manner as Tenant. In the event Bank is required to commence foreclosure of its Deed of Trust, such action by Bank will not constitute a default under the Lease so long as (i) Bank continues to timely perform Tenant's obligations under the Lease, and (ii) Bank diligently pursues its foreclosure action. Landlord acknowledges that a foreclosure action could result in a temporary disruption in the operation of the premises and that any such disruption will not cause Landlord to terminate the Lease. In the event Bank completes its foreclosure action, Landlord agrees to consent to assignment of the Lease (pursuant to Article IX of the Lease) to Bank and/or to a qualified purchaser of the premises following foreclosure. 5. Notices. Notices to Bank shall be delivered personally or by reputable overnight courier service (such as Federal Express) to the following address (or to such other address or addresses as Bank may from time to time designate in writing) and shall be effective only upon receipt: Sterling Savings Bank c/o Intervest-Mortgage Investment Company Attn: David Clay 5005 S.W. Meadows Road, Suite 400 Lake Oswego, Oregon 97035 6. New Lease. If the Lease terminates for any reason, including rejection in connection with a bankruptcy proceeding by Tenant or a trustee in bankruptcy for Tenant, Landlord shall provide Bank with written notice that the Lease has been terminated, together with a statement of all sums that would at the time be due under the Lease but for such termination and of all other defaults, if any, then known to Landlord. If, in its sole discretion, Bank shall cure all defaults, then Landlord will enter into a new lease (the "New Lease") of the Property with Bank for the remainder of the term of the Lease, effective as of the date of termination, at the rent, and upon the terms, covenants and conditions of the Lease. If the Lease terminates because of Tenant's bankruptcy, Bank shall be required to cure only the existing monetary defaults prior to execution of the New Lease. 7. Environmental Remediation. Landlord is obligated to remediate the environmental contamination at the Property as required by Montana Department of Environmental Quality and pursuant to the Planned Unit Development Agreement dated May 16, 2006 between Landlord and Tenant. Landlord hereby agrees to indemnify and hold Bank harmless from any and all claims, demands, damages, losses, liens, liabilities, penalties, fines, lawsuits and other proceedings and costs and expenses (including attorneys' fees), arising directly or indirectly from Landlord's environmental G:UUntervest S 13121K1Kalispcll Hotel 9781Est Cert.wpd 2 remediation obligations set forth herein. 8. Governing Law. This Certificate shall be governed and construed in accordance with the laws of the State of Montana. The proper venue for any action arising under this Certificate is the District Court in and for the County of Flathead, State of Montana. IN WITNESS WHEREOF, this Certificate is executed as of the day and year first above written, LANDLORD: CITY OF KALISPELL Its State of�r ss. County of . I certifythat I know or have satisfactory evidence that`���-- rY personally appeared before me, and on oath stated that he/she was authorized to execute the instrument and acknowledged it, as CA' '— �0,v-kaL e of City of Kalispell, to be the free and voluntary act of such entity, for the uses ana purposes mentioned in the instrument. DATED:'-006. F Print Name. ��.. NOTARY PUBLIC in and fo the State of. residing at My appointment expires: t o� 'Dr-pn GAWntmc-st 81312W alispell Hotel 9781E.st Cert.wpd EXI3IBIT "A" Real property in the County of Flathead, State of Montana, described as follows: Four tracts of land, situated, lying and being in the North half of the Northwest quarter of Section 20, Township 28 North, Range 21 West, P.M.M., Flathead County, Montana, and more particularly described as following to wit: Tract 1: A portion of Lot 2 of Block 1 of Airport Addition to Kalispell, a subdivision records of Flathead County, Montana; commencing at the Southeast corner of said Lot 2; thence S5644'00"W a distance of 42.60 feet to a point, said point being the true point of beginning of the tract of land herein described; thence continuing S 56 ° 44'00 "W a distance of 107.54 feet to a point being the Southwest corner of said Lot 2; thence N32°49'28"W a distance of 149.96 feet to a point being the Northwest corner of said Lot 2; thence N56 ° 43'33 "E a distance of 149.17 feet to a point on the West right of way of U.S. Highway No. 93 being the Northeast corner of said Lot 2; thence S33 ° 11'38"E a distance of 84.97 feet along said right of way to a point; thence leaving said right of way S56°44'00"W a distance of 42.60 feet to a point; thence S33° 1 F38"E a distance of 65.00 feet to the point of beginning. Tract 2: Beginning at the Southwest corner of Lot 2 of Block 1 of Airport Addition to Kalispell, a subdivision records of Flathead County, Montana; thence S56 °46'53 "W a distance of 149.99 feet to a point being the Northeast corner of a tract of land as shown and described on Deed Exhibit Book 5 07 , Page 117, records of Flathead County, Montana; thence S56°47'26"W a distance of 73.33 feet along the North boundary of said Deed Exhibit to a point; thence N3 3 " 1613 "W a distance of 149.72 feet to a point on the South boundary of Lot 1 A of the resubdivi lion of Lot 1, Block 1 of Airport Addition to Kalispell, a subdivision records of Flathead County, Montana; thence N56 ° 43'33 "E a distance of 224.48 feet to a point being the Northwest corner of Lot 2 of Block I of Airport Addition to Kalispell, a subdivision records of Flathead County, Montana; thence S32 °49'28"E a distance of 149.96 feet to the point of beginning. Tract 3: Commencing at the Southwest corner of Lot 2 of Block 1 of Airport Addition to Kalispell, a subdivision records of Flathead County, Montana; thence S56 °46'53 "W a distance of 149.99 feet to a point being the Northeast corner of a tract of land as shown and described on Deed Exhibit Book 507, Page 117, records of Flathead County, Montana, being the true point of beginning of the tract of land herein described; thence S 33 " 1613 "E a distance of 278.38 feet along the East boundary of said Deed Exhibit to a point; thence S56 °43'46"W a distance of 13.33 feet to a point; thence N33 ° 16' 13"W a distance of 205.69 feet to a point; thence S56 °47'24"W a distance of 60.00 feet to a point; thence N3 3 ° 1613 "W a distance of 7 2.7 1 feet to a point on the North boundary of said Deed Exhibit; thence N56°47'26"E a distance of 73.33 feet to the point of beginning. Tract 4: Beginning at the Southwest corner of Tract 1 as shown and described on Certificate of Survey No. 17045, records of Flathead County, Montana; thence S56 ° 52'03 "W a distance of 13.33 feet to a point; thence N3 3 ° 16' 13 "W a distance of 144.56 feet to a point; thence N56 ° 43'47 "E a distance of 13.33 feet to a paint on the West boundary of said Tract 1; thence S33 ° 16'13"W a distance of 144.59 feet to the point of beginning. GNMntervest 81312WAKalispell Hotel 9781Est Cert.wpd 4