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05/18/2015Monday, May 18, 2015 1:00 PM City of Clearwater City Hall 112 S. Osceola Avenue Clearwater, FL 33756 Pension Trustees Meeting Agenda May 18, 2015Pension Trustees Meeting Agenda 1. Call To Order 2. Approval of Minutes 2.1 Approve the minutes of the April 13, 2015 Pension Trustees meeting as submitted in written summation by the City Clerk. 3. Citizens to be Heard Regarding Items Not on the Agenda 4. New Business Items 4.1 Approve the new hires for acceptance into the Pension Plan as listed. 4.2 Approve the following request of employees Christopher Cruickshank, Marine and Aviation Department; Dorothee Morrow, Engineering Department; Suzanne Sobkowiak, Police Department; Deborah Storey, Police Department; and Rex Whittenberger, Solid Waste General Services Department for a regular pension as provided by Sections 2.416 and 2.424 of the Employees’ Pension Plan. 4.3 Approve agreements hiring Intercontinental Real Estate Corporation and USAA Real Estate Company as core plus real estate money managers for the pension plan, and authorize the appropriate officials to execute same. 5. Adjourn Page 2 City of Clearwater Printed on 5/13/2015 Cover Memo City of Clearwater City Hall 112 S. Osceola Avenue Clearwater, FL 33756 File Number: ID#15-1298 Agenda Date: 5/18/2015 Status: Agenda ReadyVersion: 1 File Type: MinutesIn Control: Pension Trustees Agenda Number: 2.1 SUBJECT/RECOMMENDATION: Approve the minutes of the April 13, 2015 Pension Trustees meeting as submitted in written summation by the City Clerk. SUMMARY: APPROPRIATION CODE AND AMOUNT: USE OF RESERVE FUNDS: Page 1 City of Clearwater Printed on 5/13/2015 Pension Trustees Meeting Minutes April 13, 2015 City of Clearwater City Hall 112 S. Osceola Avenue Clearwater, FL 33756 Meeting Minutes Monday, April 13, 2015 1:00 PM Pension Trustees Page 1 City of Clearwater Draft Pension Trustees Meeting Minutes April 13, 2015 Roll Call Present 5 - Chair George N. Cretekos, Trustee Doreen Hock-DiPolito, Trustee Jay E. Polglaze, Trustee Bill Jonson, and Trustee Hoyt Hamilton Also Present: Jill Silverboard – Assistant City Manager, Rod Irwin - Assistant City Manager, Pamela K. Akin - City Attorney, Rosemarie Call - City Clerk, Nicole Sprague - Official Records and Legislative Services Coordinator To provide continuity for research, items are listed in agenda order although not necessarily discussed in that order. Unapproved 1. Call To Order – Chair Cretekos The meeting was called to order at 1:25 p.m. at City Hall. 2. Approval of Minutes 2.1 Approve the minutes of the March 16, 2015 Pension Trustees meeting as submitted in written summation by the City Clerk. Trustee Jonson moved to approve the minutes of the March 16, 2015 Pension Trustees meeting as submitted in written summation by the City Clerk. The motion was duly seconded and carried unanimously. 3. Citizens to be Heard Regarding Items Not on the Agenda – None. 4. New Business Items 4.1 Approve the new hires for acceptance into the Pension Plan as listed. Name, Job. Class, & Dept./Div. Pension Elig. Date Joseph Contreras, Recreation Leader, Parks and Recreation Dept 1/26/2015 Natalie Lamb, Recreation Specialist Parks and Recreation Dept 1/26/2015 Erin Marks, Librarian I, Library Dept 1/26/2015 Mark Smith, Stormwater Technician, Engineering Dept 1/26/2015 Kyle Aldrich, Parking Technician, Engineering Dept 2/9/2015* Page 2 City of Clearwater Draft Pension Trustees Meeting Minutes April 13, 2015 Brandon Fletcher, Solid Waste Worker, Solid Waste Dept 2/9/2015** Kyle Harter, Water Plant Operator C, Public Utilities Dept 2/9/2015 Belinda Nichol, Customer Service Rep, Customer Service Dept 2/9/2015 Kristen Parete, Legal Staff Assistant, Legal Dept 2/2/2015 Brandi Portalatin, Solid Waste Worker, Solid Waste Dept 2/9/2015*** Linda Rothstein, Librarian III, Library Dept 2/9/2015 John Toston, Parks Service Technician I, Parks and Recreation Dept 2/9/2015 Jonathan Hurt, Police Cadet, Police Dept 2/21/2015 Erik Jordan, Water Plant Operator Trainee, Public Utilities Dept 2/23/2015 Scot MacDonald, Radio Manager, General Services Dept 2/23/2015 * Kyle Aldrich was hired into a part time position on 05/6/2013, and transferred to a full-time permanent position as of 2/9/2015; he will be eligible for pension as of 2/9/2015. ** Brandon Fletcher was hired into a temporary position on 11/17/14, and transferred to a full-time permanent position as of 2/9/2015; he will be eligible for pension as of 2/9/2015. *** Brandi Portalatin was previously employed with the City of Clearwater, resigned effective 08/14/2014, rescinded resignation and was rehired 2/9/2015; she will be eligible for pension as of 2/9/2015. Trustee Hock-DiPolito moved to approve the new hires for acceptance into the Pension Plan as listed. The motion was duly seconded and carried unanimously. 4.2 Approve the following request of Karen Maldonado, Engineering Department, to vest her pension as provided by Section 2.419 of the Employees’ Pension Plan. Karen Maldonado, Construction Office Specialist, Engineering Department, was employed by the City on June 5, 2004 and began participating in the Pension Plan on that date. Ms. Maldonado terminated from city employment on February 21, 2015. The Employees’ Pension Plan provides that should an employee cease to be an employee of the City of Clearwater or change status from full-time to part-time after completing ten or more years of creditable service (pension participation), such employee shall acquire a vested interest in the retirement benefits. Vested pension payments commence on the first of the month following the month in which the employee normally would have been eligible Page 3 City of Clearwater Draft Pension Trustees Meeting Minutes April 13, 2015 for retirement. Section 2.416 provides for normal retirement eligibility for non-hazardous duty employees hired prior to the effective date of this reinstatement (January 1, 2013), a member shall be eligible for retirement following the earlier of the date on which a participant has reached the age of fifty-five years and completed twenty years of credited service; the date on which a participant has reached age sixty-five years and completed ten years of credited service; or the date on which a member has completed thirty years of service regardless of age. For non-hazardous duty employees hired on or after the effective date of this restatement, a member shall be eligible for retirement following the earlier of the date on which a participant has reached the age of sixty years and completed twenty-five years of credited service; or the date on which a participant has reached the age of sixty-five years and completed ten years of credited service. Ms. Maldonado will meet the non-hazardous duty criteria and begin collecting a pension in March 2031. Trustee Polglaze moved to approve the following request of Karen Maldonado, Engineering Department, to vest her pension as provided by Section 2.419 of the Employees’ Pension Plan. The motion was duly seconded and carried unanimously. 4.3 Approve the following request of employees Etheridge Hall, Police Department; Marianna Mallon, Police Department, and Leonard Rickard, Fire Department, for a regular pension as provided by Sections 2.416 and 2.424 of the Employees’ Pension Plan. Etheridge Hall, Police Sergeant, Police Department, was employed by the City on April 5, 1993, and his pension service credit is effective on that date. His pension will be effective April 1, 2015. Based on an average salary of approximately $91,217.61 over the past five years, the formula for computing regular pensions and Mr. Hall’s selection of the Single Life Annuity, this pension benefit will be approximately $58,583.28 annually. Marianna Mallon, Police Service Technician, Police Department, was employed by the City on June 13, 1984, and her pension service credit is effective on that date. Her pension will be effective March 1, 2015. Based on an average salary of approximately $52,568.79 over the past five years, the formula for computing regular pensions and Ms. Mallon’s selection of the Single Life Annuity, this pension benefit will be approximately $44,389.20 annually. Leonard Rickard, Assistant Fire Marshal, Fire Department, was employed by Page 4 City of Clearwater Draft Pension Trustees Meeting Minutes April 13, 2015 the City on July 25, 2005, and his pension service credit is effective on that date. His pension will be effective August 1, 2015. Based on an average salary of approximately $71,913.72 over the past five years, the formula for computing regular pensions and Mr. Rickard’s selection of the 75% Joint and Survivor Annuity with a 30% partial lump sum distribution, this pension benefit will be approximately $13,892.28 annually. Section 2.416 provides for normal retirement eligibility for non-hazardous duty employees hired prior to the effective date of this reinstatement (January 1, 2013), a member shall be eligible for retirement following the earlier of the date on which a participant has reached the age of fifty-five years and completed twenty years of credited service; the date on which a participant has reached age sixty-five years and completed ten years of credited service; or the date on which a member has completed thirty years of service regardless of age. For non-hazardous duty employees hired on or after the effective date of this restatement, a member shall be eligible for retirement following the earlier of the date on which a participant has reached the age of sixty years and completed twenty-five years of credited service; or the date on which a participant has reached the age of sixty-five years and completed ten years of credited service. Ms. Mallon has met the non-hazardous duty criteria. Section 2.416 provides for normal retirement eligibility for hazardous duty employees, a member shall be eligible for retirement following the earlier of the date on which the participant has completed twenty years of credited service regardless of age, or the date on which the participant has reached fifty-five years and completed ten years of credited service. Mr. Hall and Mr. Rickard have met the hazardous duty criteria. Trustee Hamilton moved to approve the following request of employe es Etheridge Hall, Police Department; Marianna Mallon, Police Department, and Leonard Rickard, Fire Department, for a regular pension as provided by Sections 2.416 and 2.424 of the Employees’ Pension Plan. The motion was duly seconded and carried unanimously. 4.4 Determine Trustees’ expected rate of return for the pension plan’s investment for the current year, for each of the next several years, and for the long term thereafter. Florida Statutes 112.661(9) requires an annual determination of expected rates of return be filed with the Florida Department of Management Services, with the plan’s sponsor, and with the consulting actuary. Staff is recommending the current plan investment rate of return assumption of Page 5 City of Clearwater Draft Pension Trustees Meeting Minutes April 13, 2015 7.0%, net of investment-related fees, as the expected annual rate of return for the current year, for each of the next several years, and for the long term thereafter. Trustee Hock-DiPolito moved to Determine Trustees’ expected rate of return for the pension plan’s investment for the current year, for each of the next several years, and for the long term thereafter. The motion was duly seconded and carried unanimously. 4.5 Accept the January 1, 2015 Annual Actuarial Valuation for the Employees’ Pension Plan. Per the actuary report dated January 1, 2015, a minimum city employer contribution of $8.8 million, or 11.66% of covered payroll, is required for fiscal year 2016. This is a decrease of $2.0 million over the fiscal 2015 required contribution of $10.8 million, or 14.53% of covered payroll. The net decrease in the required contribution of $2.0 million versus the prior year is primarily due to investment earnings experience, partially offset by the increase in contributions resulting from the change in the actuarial cost method from frozen entry age to entry age normal. The calendar year 2014 investment return was 7.99% net of investment fees, versus the assumed rate of 7.0%. The “five-year smoothed” investment return based on the actuarial value of the assets was 11.04% versus the assumed rate of 7.0%. Calendar 2010 thru 2014 investment returns were 17.50%, (0.32%), 13.92%, 16.90% and 7.99%, respectively. Additional actuarial experience gain occurred due to actual salary increases of 3.38% versus expected 4.04%, and fewer retirements than expected (45 actual versus 51 expected). The Plan's funded ratio is 101.89% (including the credit balance) versus 97.05% for the prior year, based on the Entry Age Normal funding method. The Actuarial Value of Assets exceeds the Market Value of Assets by $57.2 million as of January 1, 2015. The plan's credit balance, which reflects actual contributions in excess of actuarially required contributions for prior years, increased from $5,390,884 to $10,381,518 during calendar 2014. This $5.0 million increase was due to the City’s intentional overfunding of fiscal 2014’s contribution. The City contributed approximately 20% of salaries, versus the actuarially required 14.53%, in order Page 6 City of Clearwater Draft Pension Trustees Meeting Minutes April 13, 2015 to increase the plan’s credit balance reserves for future volatility in required contributions. The Employees’ Pension Plan is highly leveraged on investment returns in comparison to most pension plans, which means changes in investment earnings cause significant increases or decreases in required employer contributions. This year-to-year volatility necessitates building reserves, such as the plan’s credit balance, during periods of positive investment earnings experience. This provides the City the ability to subsidize increased employer contributions during periods of negative investment earnings experience with contributions from accumulated reserves. Gabriel Roeder Smith Actuary Pete Strong reviewed the actuarial valuation results. He said the contribution requirement decreased by approximately $2 million and the credit balance is currently $10.38 million. There was a funding methodology change this year to Entry Age Normal (EAN). The funding method has been implemented in this year's valuation, causing the pension plan to be fully funded. In response to a concern, the City Clerk said she has been working with Human Resources Director Joseph Roseto regarding proposed state legislation that would require a less conservative mortality table and providing the actuary's feedback to the City's state lobbyists. Mr. Smith said the proposed legislation should provide a minimum mortality requirement, allowing municipalities to use a more conservative mortality table. Clearwater's plan already uses a more conservative mortality table. Trustee Jonson moved to accept the January 1, 2015 Annual Actuarial Valuation for the Employees’ Pension Plan. The motion was duly seconded and carried unanimously. 4.6 Annual review of the Employees’ Pension Plan investment performance for the calendar and plan year ended December 31, 2014. This is the annual presentation on the investment performance of the Employees’ Pension Plan for calendar and plan year ended December 31, 2014. For the last calendar year, the plan had a return of 8.24%, versus a customized benchmark of 9.91%, placing the plan in the 12th percentile of public pension plans per the Wilshire Public Plan Sponsor Universe. Page 7 City of Clearwater Draft Pension Trustees Meeting Minutes April 13, 2015 For the last three calendar year period, the plan had an annualized return of 13.27% versus a benchmark of 12.55%, placing the plan in the 15th percentile of public plans for that period. There were no changes in money managers during calendar 2014. The Pension Investment Committee will be proposing hiring of two new Core Plus real estate managers at the May Trustees meeting. A number of managers underperformed their indexes during calendar 2014, and their performance is being monitored closely. Finance Director Jay Ravins provided a PowerPoint presentation. 5. Adjourn The meeting adjourned at 1:54 p.m. Chair Employees’ Pension Plan Trustees Attest City Clerk Page 8 City of Clearwater Draft BLANK INTENTIONALLY Cover Memo City of Clearwater City Hall 112 S. Osceola Avenue Clearwater, FL 33756 File Number: ID#15-1182 Agenda Date: 5/18/2015 Status: Agenda ReadyVersion: 3 File Type: Action ItemIn Control: Pension Trustees Agenda Number: 4.1 SUBJECT/RECOMMENDATION: Approve the new hires for acceptance into the Pension Plan as listed. SUMMARY: Pension Name, Job. Class, & Dept./Div .Elig. Date Jessica Turner, Accounting Technician, Parks and Recreation Dept 3/07/2015 * Wayne Johnson, Utilities Mechanic, Public Utilities Department 3/09/2015 Joshua Jones, Recreation Leader, Parks and Recreation Department 3/09/2015 ** William Baratta, Solid Waste Equipment Operator, Solid Waste Dept 3/23/2015 Matthew Hess, Beach Lifeguard, Parks and Recreation Department 3/23/2015 *** Kathleen Holden, Crime Analyst, Police Department 3/23/2015 Jose Patino, Public Information Specialist, Public Communications Dept 3/23/2015 Susan Pryor, Customer Service Rep, Planning and Development Dept 3/23/2015 **** Eric Rau, Parks Service Technician I, Parks and Recreation Dept 3/23/2015 * Jessica Turner was employed in a temporary / Event Support Staff assignment from 06/24/2006 to 11/02/2013, and another temporary assignment from 01/06/2015 to 03/07/2015. She was hired into a full time position as of 03/07/2015 and will be eligible for pension as of 03/07/2015. ** Joshua Jones was employed in a temporary assignment from 8/11/2014 to 03/09/2015, and then hired into a full time position as of 03/09/2015. He will be eligible for pension as of 03/09/2015. *** Matthew Hess was hired as a seasonal employee from 04/08/1995 to 6/16/2001, from 6/16/2001 to10/6/2001, and from 06/02/2014 to 1/13/2015. He was hired into a full time position as of 03/23/2015 and will be eligible for pension as of 03/23/2015. **** Susan Pryor was hired into a part time position on 02/23/2015, and transferred to a full-time permanent position as of 3/23/2015; she will be eligible for pension as of 3/23//2015. APPROPRIATION CODE AND AMOUNT: N/A USE OF RESERVE FUNDS: Page 1 City of Clearwater Printed on 5/13/2015 File Number: ID#15-1182 N/A Page 2 City of Clearwater Printed on 5/13/2015 Cover Memo City of Clearwater City Hall 112 S. Osceola Avenue Clearwater, FL 33756 File Number: ID#15-1183 Agenda Date: 5/18/2015 Status: Agenda ReadyVersion: 2 File Type: Action ItemIn Control: Pension Trustees Agenda Number: 4.2 SUBJECT/RECOMMENDATION: Approve the following request of employees Christopher Cruickshank, Marine and Aviation Department; Dorothee Morrow, Engineering Department; Suzanne Sobkowiak, Police Department; Deborah Storey, Police Department; and Rex Whittenberger, Solid Waste General Services Department for a regular pension as provided by Sections 2.416 and 2.424 of the Employees’ Pension Plan. SUMMARY: Christopher Cruickshank, Marine Supervisor, Marine and Aviation Department, was employed by the City on January 11, 1988, and his pension service credit is effective on that date. His pension will be effective May 1, 2015. Based on an average salary of approximately $54,943.16 over the past five years, the formula for computing regular pensions and Mr . Cruickshank’s selection of the 75% Joint and Survivor Annuity, this pension benefit will be approximately $41,240.88annually. Dorothee Morrow, Traffic Engineering Assistant, Engineering Department, was employed by the City on June 27, 1994, and her pension service credit is effective on that date. Her pension will be effective May 1, 2015. Based on an average salary of approximately $40,511.88 over the past five years, the formula for computing regular pensions and Ms . Morrow’s selection of the Single Life Annuity, this pension benefit will be approximately $23,222.28 annually. Suzanne Sobkowiak, Police Office Specialist, Police Department, was employed by the City on January 5, 1998, and her pension service credit is effective on that date. Her pension will be effective June 1, 2015. Based on an average salary of approximately $33,299.75 over the past five years, the formula for computing regular pensions and Ms. Sobkowiak’s selection of the 75% Joint and Survivor Annuity, this pension benefit will be approximately $14,328.84 annually. Deborah Storey, Police Property Clerk, Police Department, was employed by the City on February 1, 1988, and her pension service credit is effective on that date. Her pension will be effective May 1, 2015. Based on an average salary of approximately $37,219.34 over the past five years, the formula for computing regular pensions and Ms. Storey’s selection of the Single Life Annuity, this pension benefit will be approximately $27,891.24 annually. Rex Whittenberger, Fleet Mechanic Supervisor, Solid Waste General Services Department, was employed by the City on March 21, 1987, and his pension service credit is effective on that date. His pension will be effective April 1, 2015. Based on an average salary of Page 1 City of Clearwater Printed on 5/13/2015 File Number: ID#15-1183 approximately $77,464.91 over the past five years, the formula for computing regular pensions and Mr. Whittenberger’s selection of the 50% Joint and Survivor Annuity, this pension benefit will be approximately $62,636.76 annually. Section 2.416 provides for normal retirement eligibility for non -hazardous duty employees hired prior to the effective date of this reinstatement (January 1, 2013), a member shall be eligible for retirement following the earlier of the date on which a participant has reached the age of fifty-five years and completed twenty years of credited service; the date on which a participant has reached age sixty -five years and completed ten years of credited service; or the date on which a member has completed thirty years of service regardless of age. For non-hazardous duty employees hired on or after the effective date of this restatement, a member shall be eligible for retirement following the earlier of the date on which a participant has reached the age of sixty years and completed twenty -five years of credited service; or the date on which a participant has reached the age of sixty -five years and completed ten years of credited service. Mr. Cruickshank, Ms. Morrow, Ms. Sobkowiak, Ms. Storey and Mr . Whittenberger have all met the non-hazardous duty criteria. Section 2.416 provides for normal retirement eligibility for hazardous duty employees, a member shall be eligible for retirement following the earlier of the date on which the participant has completed twenty years of credited service regardless of age, or the date on which the participant has reached fifty-five years and completed ten years of credited service. APPROPRIATION CODE AND AMOUNT: N/A USE OF RESERVE FUNDS: N/A Page 2 City of Clearwater Printed on 5/13/2015 Cover Memo City of Clearwater City Hall 112 S. Osceola Avenue Clearwater, FL 33756 File Number: ID#15-1283 Agenda Date: 5/18/2015 Status: Agenda ReadyVersion: 1 File Type: Action ItemIn Control: Pension Trustees Agenda Number: 4.3 SUBJECT/RECOMMENDATION: Approve agreements hiring Intercontinental Real Estate Corporation and USAA Real Estate Company as core plus real estate money managers for the pension plan, and authorize the appropriate officials to execute same. SUMMARY: The plan’s investment committee conducted a manager search for core plus real estate money managers to further diversify the portfolio and reduce volatility of investment returns. The committee chose two core plus real estate money managers, with contrasting investment strategies, for recommendation to the Trustees: Intercontinental Real Estate Corporation and USAA Real Estate Company. Intercontinental Real Estate Corporation offers an investment product, U .S. Real Estate Investment Fund, LLC (US REIF), investing in a balanced portfolio of geographically diversified North American yield driven property assets, including office buildings, multifamily, retail, industrial, senior living, healthcare, and student housing. Investments targeted are those that provide stable and predictable cash flow with an opportunity for capital appreciation. USAA Real Estate Company offers an investment product, US Government Building Fund, investing in a diversified portfolio of high quality core government leased office and industrial properties located in major U .S. markets, with an emphasis in the mid -Atlantic region including Washington, D.C., Virginia, and Maryland. Investments targeted are those with stable and reliable cash flows from mission critical governmental tenants that will limit downside risk associated with real estate cycles. Management fees for Intercontinental ’s US REIF fund are 1.1% on the first $25 million under management, plus a performance based fee of 20% of the total return in excess of 8%. Fees for USAA’s US Government Building Fund are 1.25% of the first $10 million under management, and 1.10% on the next $15 million. The pension plan’s investment committee is recommending an allocation of $10 million to each of the money managers. The monies would be transferred from the plan ’s REIT’s real estate manager, who currently has an allocation of approximately $50 million. The plan’s pension attorney, Stu Kaufman with Klausner, Kaufman, Jensen and Levinson, has reviewed the attached agreements and his recommended changes have been incorporated. Page 1 City of Clearwater Printed on 5/13/2015 ACTIVE/81745379.5 US GOVERNMENT BUILDING OPEN-END FEEDER 1, LP USAA REAL ESTATE COMPANY 9830 Colonnade Boulevard, Suite 600 San Antonio, TX 78230-2239 May 18, 2015 City of Clearwater Employees’ Pension Fund P.O. Box 4748 Clearwater, FL 33758-4748 Re: $10,000,000 Investment in US Government Building Open-End Feeder 1, LP (the “Partnership”) Ladies and Gentlemen: This letter agreement (this “Letter Agreement”) confirms our understanding with respect to certain matters relating to an investment by the City of Clearwater Employees’ Pension Fund (the “Investor”) in the Partnership. Capitalized terms used in this Letter Agreement and not otherwise defined herein shall have the respective meanings ascribed to them in the Amended and Restated Limited Partnership Agreement of the Partnership dated December 18, 2014 (as amended from time to time, the “Partnership Agreement”) or the Subscription Agreement (“Subscription Agreement”) dated May 18, 2015, as applicable. In consideration of the Capital Commitment made by the Investor, the Investor and the General Partner, individually and on behalf of the Partnership, agree as follows: 1. Initial Disclosure of Terms Agreements. On or before the date that is 60 days following the execution and delivery of this Letter Agreement , the Partnership and the General Partner shall (a) disclose to the Investor in writing the material terms of each side letter or similar agreement, subscription agreement and limited partnership agreement or limited liability company agreement and any amendments to any of the foregoing (each, a “Terms Agreement”) entered into on or prior to the date hereof by the General Partner, the Partnership, the Fund Manager, each other Feeder or Feeder Fund, any Parallel Fund, or the general partner or investment manager of any of them (each, an “MFN Person”) that then remains in effect, with any investor (an “Equivalent Investor”) whose Aggregate Committed Investment is equal to or less than the combined total Aggregate Committed Investment of the Investor and, except as provided in paragraph 3, shall offer to the Investor the opportunity to elect, by written notice to the General Partner within 30 days after such disclosure, to include such terms in this Letter Agreement and thereby make such terms applicable to the Investor’s interest in the Partnership. 2 ACTIVE/81745379.5 “Aggregate Committed Investment” means, with respect to any Person, their Capital Commitment to the Partnership, any other Feeder, any Feeder Fund or any Parallel Fund. 2. Right to Elect Additional Terms. If, at any time on or after the date on which disclosure would be required by paragraph 1, any MFN Person enters into any Terms Agreement with an Equivalent Investor containing terms that are more favorable in any material respect to the such Equivalent Investor than the rights granted to the Investor pursuant to this Letter Agreement, then, except as provided in paragraph 3, the General Partner shall (i) promptly disclose such terms to the Investor in writing and (ii) offer to the Investor the opportunity to elect to include such terms in this Letter Agreement and thereby make such terms applicable to the Investor’s interest in the Partnership by written notice to the General Partner within 30 days after such disclosure under this paragraph 2. 3. Limitation on Investor’s Rights. The Investor’s rights under paragraphs 1 and 2 shall not apply to (i) terms of other Feeders, Feeder Funds, and Parallel Funds that are attributable to the differences in the tax or regulatory compliance objectives between the Partnership and such other Feeder, Feeder Fund, or Parallel Fund, (ii) rights to make future capital contributions, (iii) agreements regarding Advisory Committee membership, (iv) terms attributable to any Limited Partner that is Sponsor Affiliate or an employee or direct or indirect investor in a Sponsor Affiliate, (v) agreements relating to tax, regulatory or other legal issues that are applicable to particular investors or types of investors and not to the Investor, (vi) agreements with Existing Investors and (vi) agreements relating to the settlement of bona fide disputes or defaults. The Investor may not elect particular economic terms or benefits made available to an Equivalent Investor unless the Investor elects the entire collection of economic terms applicable to the Equivalent Investor and forgoes any economic terms otherwise available to the Investor, including without limitation, those set forth in this Letter Agreement. “Existing Investor” means each member (or affiliate thereof) of US Government Building Fund, LLC, a Delaware limited liability company, prior to July 1, 2012. 4. Representations and Warranties of the General Partner. The General Partner represents and warrants to the Investor as of the date hereof as follows: a. The Partnership is a limited partnership duly formed, validly existing and in good standing under the Act, and has the partnership power and authority to execute and deliver the Investor’s Subscription Agreement and this Letter Agreement. The General Partner is a limited liability company duly formed, validly existing and in good standing under the Delaware Limited Liability Company Act, and has the power and authority to execute and deliver the Partnership Agreement, this Letter Agreement and to perform its obligations thereunder. Each of the Partnership and the General Partner is duly qualified under the laws of each jurisdiction where its ownership, lease or operation of property or the 3 ACTIVE/81745379.5 conduct of its business requires such qualification, except where the failure to so qualify would not have a material adverse effect on its activities or properties. b. To the knowledge of the General Partner, the execution, delivery and performance of each of the Partnership Agreement, the Investor’s Subscription Agreement, this Letter Agreement or any agreement related thereto by the General Partner of its obligations thereunder do not result in the breach of any agreement to which the General Partner is a party; c. The General Partner has full authority to enter into this Letter Agreement on behalf of itself and the Partnership, and this Letter Agreement is enforceable in accordance with its terms, except as may be limited by bankruptcy, insolvency, moratorium, or other similar law affecting the enforcement of creditor’s rights generally and general principles of equity, and is and shall be enforceable against any future general partner of the Partnership; d. To the knowledge of the General Partner, that neither the execution and delivery of, nor performance of the obligations under, the Partnership Agreement, the Subscription Agreement, this Letter Agreement or the Management Agreement, as applicable, by the General Partner materially violates any statute, regulation, order, writ, injunction, judgment or decree to which the General Partner is subject; and e. There is no legal action, suit or arbitration or other legal, administrative or governmental investigation, proceeding or inquiry pending, or to the knowledge of the General Partner, threatened against the properties or assets of the General Partner or the Partnership , that might reasonably be expected to have a material adverse affect on the Partnership or the General Partner’s ability to perform its obligations with respect to the Partnership. 5. Insurance. Throughout the term of this Letter Agreement, the General Partner shall cause the Partnership to maintain or cause to be maintained in full force and effect the following insurance covering its activities, the activities of the General Partner on its behalf, and the activities of the Advisory Board (i) errors and omissions/professional liability insurance with coverage limits of at least $5,000,000; and (ii) crime coverage insurance with coverage limits of at least $10,000,000; provided, in each case, that such insurance coverage is available on commercially reasonable terms. The General Partner shall use its commercially reasonable efforts to provide prompt written notice to the Investor of any material reduction in the coverage limits or insurance providers described in (i) or (ii) above. 4 ACTIVE/81745379.5 6. Florida-Specific Provisions. a. Public Entity Crimes Notice. The Investor represents to the General Partner, and the General Partner acknowledges, that a person or affiliate who has been placed on the State of Florida Convicted Vendor List (the “Convicted Vendor List”), following a conviction for a public entity crime, may not (i) submit a bid on a contract to provide any goods or services to a public entity, (ii) submit a bid on a contract with a public entity for the construction or repair of a public building or public work, (iii) submit bids on leases of real property to a public entity, (iv) be awarded or perform work as a contractor, supplier, sub-consultant, or consultant under a contract with any public entity, and (v) transact business with any public entity, in excess of $25,000.00, for a period of thirty-six (36) months from the date of being placed on the Convicted Vendor List. b. Non-Discrimination Policy. The General Partner represents and warrants to the Investor that the General Partner has adopted and will maintain a policy of non discrimination against employees or applicants for employment on account of race, religion, sex, color, national origin, age or handicap, in all areas of employment relations, throughout the term of this Letter Agreement. 7. Miscellaneous. a. Entire Agreement. This Letter Agreement, together with the Subscription Agreement and the Partnership Agreement, constitute the entire agreement among the parties hereto with respect to the subject matter hereof or thereof, and supersede any prior agreement or understanding among the parties hereto with respect to the subject matter hereof or thereof. In the event of a conflict between the provisions of this Letter Agreement, the Subscription Agreement and the Partnership Agreement, the provisions of this Letter Agreement shall, to the fullest extent of applicable law, control. This Letter Agreement shall survive delivery of fully executed originals of the Partnership Agreement and Subscription Agreement, and the Investor’s admission to the Partnership as a limited partner. b. Severability. In case any one or more of the provisions contained in this Letter Agreement or any application thereof shall be invalid, illegal or unenforceable in any respect, the validity, legality and enforceability of the remaining provisions contained herein and other application thereof shall not in any way be affected or impaired thereby. c. Amendments and Waivers. This Letter Agreement may not be modified or amended or the rights of any party hereunder waived unless such modification, amendment or waiver is effected by a written instrument 5 ACTIVE/81745379.5 expressly modifying, amending or waiving this Letter Agreement or the rights of a party hereunder, which instrument is executed by all parties. d. Third-Party Rights. Nothing in this Letter Agreement shall be deemed to create any right in any person not a party hereto (other than the permitted successors and assigns of a party hereto) and this Letter Agreement shall not be construed in any respect to be a contract in whole or in part for the benefit of any third party (except as aforesaid). e. Notices. Any notices required hereunder shall be in writing and shall be given in accordance with the provisions of the Partnership Agreement. f. Successors; Effectiveness. This Letter Agreement will be binding upon, and inure to the benefit of, the respective permitted successors, assigns and transferees of the parties hereto. This Letter Agreement shall remain in effect only for so long as the Investor remains a Limited Partner of the Partnership and is not default of its obligations under the Partnership Agreement. The obligations of the General Partner under this Letter Agreement shall terminate in the event it is no longer the general partner of the Partnership. Any successor of the General Partner as general partner of the Partnership shall be bound by this Letter Agreement. g. Counterparts. This Letter Agreement may be executed in counterparts (whether original, electronic or facsimile counterparts), each of which shall be deemed an original and which together shall constitute one and the same instrument. h. Governing Law and Venue. This Letter Agreement shall be governed by, and interpreted and enforced in accordance with, the laws of the state of Delaware without giving effect to the principles, policies or provisions relating to choice or conflict of laws, except to the extent the terms hereof expressly require interpretation or enforcement of a law, regulation or public policy of the State of Florida, in which case the laws of the State of Florida, as applicable shall govern. In consideration of the Investor’s status as an agency of the State of Florida, notwithstanding anything to the contrary in the Partnership Agreement or the Investor’s Subscription Agreement, as to the Investor, courts within the State of Delaware, whether state or federal, shall not be the exclusive venue for disputes arising, directly or indirectly, under or in connection with this Letter Agreement or any dispute solely among the parties to this Letter Agreement in connection with the Subscription Agreement of the Investor, the Partnership Agreement and any amendments thereto. If this Letter Agreement correctly sets forth our understanding and agreement with respect to the matters addressed herein, please so confirm by executing this Letter Agreement in the space provided below. 6 ACTIVE/81745379.5 [Remainder of page intentionally left blank.] US Government Building Open-End Feeder 1, LP – City of Clearwater Side Letter Agreement IN WITNESS WHEREOF, the parties hereto have caused this Letter Agreement to be executed as of the day and year first above written: US Government Building Open-End Feeder 1, LP, a Delaware limited partnership By: US Government Building GP, LLC, its sole general partner By: USAA Equity Advisors, Inc., its sole member By: Name: Title: US Government Building GP, LLC, a Delaware limited liability company By: USAA Equity Advisors, Inc., its sole member By: Name: Title: Acknowledged and agreed as of the date first written above: Board of Trustees of the City of Clearwater Employees’ Pension Fund By:___________________________ Name: George N. Cretekos Title: Chairperson 8 ACTIVE/81745379.5