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RESIDENTIAL EXTERIOR IMPROVEMENT GRANT AGREEMENT - NG-R-24-07November 21, 2024 Katie Mullins 1150 Engman St. Clearwater, FL 33755 CITY OF CLEARWATER CoM UN TS Rrn, vr.i pxrENT Acrxc:v POST otrv'tuu Box 4748, Ct.H ARu n•t ER, FLORIDA 33758-4748 600 CLEVELAND STREET, CLEARWATER, FLORID 33755 TELEPHONE (727) 562-4039 RE: NG CRA Grant Award Letter Notification (NG -R-24-07) Dear Ms. Mullins, This letter is to inform you that the North Greenwood Community Redevelopment Agency (NGCRA) will approve your application for the Residential Exterior Improvement Grant Program subject to the execution of the attached grant agreement. The grant funding will be approved up to a maximum of $8,315.00 to replace your water heater, air conditioning system, and convert your tub to a shower (ADA) at your property located at 1150 Engman St., Clearwater, Florida 33755. As a condition of receiving reimbursement grant funding from the NGCRA, the Applicant shall either: • Provide $415.75 in monetary contribution toward the Project; or • Complete 3 hours of community service reducing your required monetary contribution to $0.00, if all hours are completed. Proof of completion of hours on the organization letterhead shall be provided to the NGCRA, prior to any funds being released. In the event the Applicant is unable to complete or provide the amount of hours agreed to in the application, the required contribution shall be reduced by the monetary value of the number of hours actually provided. As per your application, payments will be made directly to the approved contractor, Pearce's Plumbing Services and McConnell Air Conditioning & Heating, Inc. Applicant Next Steps: Complete the enclosed grant agreement and return to NGCRA staff. Grant agreement and proof of completion hours on the organization letterhead must be completed prior to reimbursement. If you have any questions regarding your NG CRA Grant award letter, please contact Julia.baltasP mvclearwater.com. Sincere Jesus ;yam ICP, CFM, FRA -RA CRA Executive Director, Community Redevelopment Agency Ryan Girton, C:ouuc.ilntenther NUL. Mannino, Cotinci:Inelnl,er l i ruce Rector, Mayor Davie Allbritton, (:oonc ihnetaher Liva Teixeira, Ccniticilmeitibcr "I'squal h.mplovrnen: and Affirmative Action Employer' RESIDENTIAL EXTERIOR IMPROVEMENT GRANT AGREEMENT NG -R-24-07 This Residential Exterior Improvement Grant Agreement (this "Agreement") is made as of _)104 l the "Effective Date"), by and between THE COMMUNITY REDEVELOPMENT AGENCY OF THE CITY OF CLEARWATER, FLORIDA, a public body corporate and politic of the State of Florida created pursuant to Part III, Chapter 163, Florida Statutes (the "Agency"), and KATIE MULLINS an individual (the "Applicant ")(collectively the Agency and the Applicant are the "Parties"). WITNESSETH: WHEREAS, the Agency was created to implement community redevelopment activities as provided in the Florida Community Redevelopment Act of 1969 (the "Act") codified at Chapter 163, Part III, Florida Statutes; and WHEREAS, on January 12, 2023, the Agency adopted the North Greenwood Community Redevelopment Area Plan (the "Plan"); and WHEREAS, in furtherance of the Plan, the Agency has established the Residential Exterior Improvement Grant Program (the "Program") to rehabilitate single-family homes, improve property conditions, aesthetics, reduce housing cost burden, and aid in the elimination of slum and blight in the North Greenwood Community Redevelopment Area (the "Redevelopment Area"); and WHEREAS, the Agency has approved a grant to the Applicant in an amount not to exceed $8,315.00 in financial assistance under the Program to provide exterior improvement assistance to the property located at 1150 Engman St. Clearwater, FL 33755 (the "Property"). The grant is intended to replace your water heater, air conditioning system, and convert your tub to a shower (ADA) at the Property (the "Project") as further detailed in the Applicant's grant application and plan specifications attached hereto as Exhibit "C" (the "Specifications"); and WHEREAS, the Agency finds that providing financial assistance for the exterior improvement of the Property is a permissible use of the Agency's funds; and WHEREAS, the Agency finds that the Project comports with and furthers the goals, objectives, and policies of the Plan; and NOW, THEREFORE, in consideration of the mutual promises and covenants contained herein, the Parties hereby agree as follows: I. GENERAL 1. Recitals. The foregoing recitals are true and correct and are incorporated in and form a part of this Agreement. 2. Purpose of Agreement. The purpose of this Agreement is to further the implementation of the Plan by the completion of the Project. 1 3. Legal Description. The legal description for the Property is attached hereto as Exhibit "A". II. APPLICANT WARRANTIES AND RESPONSIBILITIES 1. Development of the Project. The Applicant shall complete the Project in accordance with the Specifications and the grant application. The Applicant shall complete all Project work within one hundred and eighty (180) days from the date of application approval. Such completion shall be evidenced by receipt of a Finding of Project Completion from the Agency. A Finding of Project Completion shall be granted in accordance with the criteria contained in the Agency's Residential Exterior Improvement Grant Policy attached hereto as Exhibit "B" (the "Policy"). The date of application approval shall be the Effective Date. 2. Applicant's Project Contribution. As a condition of receiving reimbursement grant funding from the Agency, the Applicant shall provide four hundred and fifteen dollars and seventy-five cents ($415.75) in monetary contribution (the "Monetary Contribution") toward the Project. Evidence of expenditure of Applicant's contribution towards the Project shall be submitted to the Agency's satisfaction before disbursement of the Agency's grant funding. Notwithstanding the foregoing, the Applicant may have the Monetary Contribution waived or reduced if the Applicant completes certain community service acts in accordance with the Policy. The Applicant has agreed to complete three (3) hours of community service ("Hours") reducing the Monetary Contribution to zero dollars and zero cents ($0.00) (the "Reduced Contribution"). In the event the Applicant is unable to provide the amount of Hours agreed to herein, the Monetary Contribution shall only be reduced in accordance with the number of Hours actually provided. The amount of the Monetary Contribution waived or reduced for the completion of Hours shall be added to the balance of the Applicant's available grant funds. For avoidance of doubt, the amount that can be added to the Applicant's available grant funding is the amount of money that is subtracted out of the Monetary Contribution for the completion of Hours. Proof of completion of Hours shall be provided to the Agency before release of grant funds. 3. Warranties of the Applicant. The Applicant warrants that the following information is true and correct: a. The Applicant is the owner of the Property; b. A single-family home is located on the Property; c. The Property is located in the Redevelopment Area; d. The Property is the primary residence and legal homestead of the Applicant or meets an alternative qualification under the Policy; e. The Applicant is current on their property taxes for the Property or a payment plan has been approved by the Director; f. The Applicant is current on all mortgage payments, if applicable; g. The Property has no outstanding code enforcement or building code violations or the Applicant has made the Agency aware of such violations and the Agency has agreed to allow the Project to move forward as the renovations will remediate any violations; and 2 h. The Property has not received a grant from the Agency in the preceding thirty-six (36) months prior to the Effective Date. III. AGENCY RESPONSIBILITIES 1. Grant Funding. The Agency shall reimburse the Applicant for the Project's eligible costs up to a base amount of seven thousand eight hundred and ninety-nine dollars and twenty-five cents ($7,899.25) plus all or a part of the Applicant's Monetary Contribution of four hundred and fifteen dollars and seventy-five cents ($415.75) based on the amount of Hours completed or waiver of the community service requirement pursuant to Section II for a total potential grant award not to exceed eight thousand three hundred and fifteen dollars and zero cents ($8,315.00) (collectively the "Grant Funds"). The Grant Funds shall be payable within thirty (30) days of receipt of a fully completed reimbursement request after the issuance of a Finding of Project Completion by the Agency assuming the Applicant has also complied with Section II of this Agreement where applicable. 2. Upon agreement between the Agency and the Applicant, the Agency may provide the Grant Funds directly to any approved licensed contractor or vendor in lieu of providing the Grant Funds to the Applicant. Notwithstanding Paragraph 1 of this section, The Agency's director (the "Director") may allow earlier draw requests of the Grant Funds to approved licensed contractors or vendors in accordance with the Policy. However, the Grant Funds disbursed to a contractor or vendor shall not be disbursed more frequently than once every thirty (30) days. The Parties understand and agree that nothing in this Agreement creates any contractual relationship between the Agency and any contractor or vendor and the City shall not be liable for any monies owed to any contractor or vendor. The ability of the Agency to pay the contractor or vendor directly is only for the sake of convenience to the Applicant and the Applicant remains exclusively liable for any funds owed to the contractor or vendor. 3. If the Director determines that the Project does not meet the requirements of this Agreement or the Policy, then the Parties agree that the Agency shall not owe any monies to the Applicant for the requested reimbursement, the Applicant shall have no recourse against the Agency, and the Director's decision shall be final without any means of appeal. IV. APPLICANT DEFAULT 1. Failure to Timely Complete the Project. If the Applicant fails to obtain a Finding of Project Completion within one hundred eighty (180) days of the date of application approval, then the Parties agree that the Applicant shall be in default under this Agreement without notice or opportunity to cure the default. An extension to this timeframe may be granted by the Director for good cause if the Applicant submits a written request for such an extension before the expiration of the one hundred eighty (180) day period. 2. Other Events of Default. In addition to the foregoing event of default, the occurrence of any one or more of the following events after the Effective Date shall also constitute an event of default by the Applicant: 3 A. The Applicant makes a general assignment for the benefit of its creditors, or admits in writing its inability to pay its debts as they become due or files a petition in bankruptcy, or is adjudicated a bankrupt or insolvent, or files a petition seeking any reorganization, arrangement, composition, readjustment, liquidation, dissolution or similar relief under any present or future statute, law or regulation or files an answer admitting, or fails reasonably to contest, the material allegations of a petition filed against it in any such proceeding, or seeks or consents to or acquiesce in the appointment of any trustee, receiver or liquidator of the Applicant or any material part of such entity's properties; B. Within sixty (60) days after the commencement of any proceeding by or against the Applicant seeking any reorganization, arrangement, composition, readjustment, liquidation, dissolution or similar relief under any present or future statute, law or regulation, such proceeding shall not have been dismissed or otherwise terminated, or if, within sixty (60) days after the appointment without the consent or acquiescence of the Applicant or any trustee, receiver or liquidator of any such entities or of any material part of any such entity's properties, such appointment shall not have been vacated; or C. A breach by the Applicant of any other term, condition, requirement, or warranty of this Agreement or the Policy. 3. Agency's Remedy Upon Certain Applicant Default. In the event of default and if the Applicant has failed to cure the default within the allotted time prescribed under Section IV, Paragraph 4 (if applicable), then the Parties agree that: a) this Agreement shall be null and void; b) that the Agency will have no further responsibility to the Applicant, including the responsibility to tender any remaining amounts of the Grant Funds to the Applicant; and c) that if the Agency has tendered any of the Grant Funds to the Applicant, the Agency shall be entitled to the return of all the Grant Funds plus default interest at a rate of ten percent (10%) starting from the date of default. The remedial provisions shall survive the termination of this Agreement. 4. Notice of Default and Opportunity to Cure. The Agency shall provide written notice of a default under Section IV, Paragraph 2 of this Agreement and provide the Applicant thirty (30) days from the date the notice is sent to cure such a default. This notice will be deemed received when sent by first class mail to the Applicant's notice address or when delivered to the Applicant if sent by a different means. V. MISCELLANEOUS 1. Notices. All notices, demands, requests for approvals, or other communications given by either parry to another shall be in writing, and shall be sent to the office for each party indicated below and addressed as follows: To the Applicant: Katie Mullins 1150 Engman St. Clearwater, FL 33755 To the Agency: Community Redevelopment Agency of the City of Clearwater P.O. Box 4748 Clearwater, Florida 33758 Attention: Executive Director 4 with copies to: City of Clearwater P.O. Box 4748 Clearwater, Florida 33758 Attention: Clearwater City Attorney's Office 2. Unavoidable Delay. Any delay in performance of or inability to perform any obligation under this Agreement (other than an obligation to pay money) due to any event or condition described in this section as an event of "Unavoidable Delay" shall be excused in the manner provided in this section. "Unavoidable Delay" means any of the following events or conditions or any combination thereof: acts of God, acts of the public enemy, riot, insurrection, war, pestilence, archaeological excavations required by law, unavailability of materials after timely ordering of same, building moratoria, epidemics, quarantine restrictions, freight embargoes, fire, lightning, hurricanes, earthquakes, tornadoes, floods, extremely abnormal and excessively inclement weather (as indicated by the records of the local weather bureau for a five year period preceding the Effective Date), strikes or labor disturbances, delays due to proceedings under Chapters 73 and 74, Florida Statutes, restoration in connection with any of the foregoing or any other cause beyond the reasonable control of the party performing the obligation in question, including, without limitation, such causes as may arise from the act of the other party to this Agreement, or acts of any governmental authority (except that acts of the Agency shall not constitute an Unavoidable Delay with respect to performance by the Agency). An application by any party hereto for an extension of time pursuant to this section must be in writing, must set forth in detail the reasons and causes of delay, and must be filed with the other party to this Agreement within thirty (30) days following the occurrence of the event or condition causing the Unavoidable Delay or thirty (30) days following the party becoming aware (or with the exercise of reasonable diligence should have become aware) of such occurrence. The party shall be entitled to an extension of time for an Unavoidable Delay only for the number of days of delay due solely to the occurrence of the event or condition causing such Unavoidable Delay and only to the extent that any such occurrence actually delays that party from proceeding with its rights, duties and obligations under this Agreement affected by such occurrence. In the event the party is the Applicant then the Director is authorized to grant an extension of time for an Unavoidable Delay for a period of up to six (6) months. Any further requests for extensions of time from the Applicant under this section must be agreed to and approved by the Agency's Board of Trustees. 3. Indemnification. The Applicant agrees to assume all inherent risks of this Agreement and all liability therefore, and shall defend, indemnify, and hold harmless the Agency and the City of Clearwater, Florida, a Florida municipal corporation ("the City"), and the Agency's and the City's officers, agents, and employees from and against any and all claims of loss, liability and damages of whatever nature, to persons and property, including, without 5 limiting the generality of the foregoing, death of any person and loss of the use of any property, except claims arising from the negligence of the Agency, the City, or the Agency's or the City's agents or employees. This includes, but is not limited to, matters arising out of or claimed to have been caused by or in any manner related to the Applicant's activities or those of any approved or unapproved invitee, contractor, subcontractor, or other person approved, authorized, or permitted by the Applicant whether or not based on negligence. Nothing herein shall be construed as consent by the Agency or the City to be sued by third parties, or as a waiver or modification of the provisions or limits of Section 768.28, Florida Statutes, or the Doctrine of Sovereign Immunity. 4. Assignability., Complete Agreement. This Agreement is non -assignable by either party and constitutes the entire Agreement between the Applicant and the Agency and all prior or contemporaneous oral and written agreements or representations of any nature with reference to the subject of this Agreement are canceled and superseded by the provisions of this Agreement. 5. Applicable Law and Construction. The laws of the State of Florida shall govern the validity, performance, and enforcement of this Agreement. This Agreement has been negotiated by the Agency and the Applicant, and the Agreement, including, without limitation, the exhibits, shall not be deemed to have been prepared by the Agency or the Applicant, but by all equally. 6. Severability. Should any section or part of this Agreement be rendered void, invalid, or unenforceable by any court of law, for any reason, such a determination shall not render void, invalid, or unenforceable any other section or part of this Agreement. 7. Amendments. This Agreement cannot be changed or revised except by written amendment signed by the Parties. 8. Jurisdiction and Venue. For purposes of any suit, action or other proceeding arising out of or relating to this Agreement, the Parties do acknowledge, consent, and agree that venue thereof is Pinellas County, Florida. Each party to this Agreement hereby submits to the jurisdiction of the State of Florida, Pinellas County and the courts thereof and to the jurisdiction of the United States District Court for the Middle District of Florida, for the purposes of any suit, action or other proceeding arising out of or relating to this Agreement and hereby agrees not to assert by way of a motion as a defense or otherwise that such action is brought in an inconvenient forum or that the venue of such action is improper or that the subject matter thereof may not be enforced in or by such courts. If, at any time during the term of this Agreement, the Applicant is not a resident of the State of Florida or has no office, employee, agency, registered agent or general partner thereof available for service of process as a resident of the State of Florida, or if any permitted assignee thereof shall be a foreign corporation, partnership or other entity or shall have no officer, employee, agent, or general partner available for service of process in the State of Florida, the Applicant hereby designates the Secretary of State, State of Florida, its agent 6 for the service of process in any court action between it and the Agency arising out of or relating to this Agreement and such service shall be made as provided by the laws of the State of Florida for service upon a nonresident; provided, however, that at the time of service on the Florida Secretary of State, a copy of such service shall be delivered to the Applicant at the address for notices as provided in Section V, Paragraph 1. 9. Termination. If not earlier terminated as provided in this Agreement, this Agreement shall expire and shall no longer be of any force and effect one hundred eighty (180) days from the anniversary of the date of application approval. IN WITNESS WHEREOF, the Parties have caused this Agreement to be executed on the date and year first above written. (CRA SIGNATURE PAGE) COMMUNITY REDEVELOPMENT AGENCY OF THE CITY OF CLEARWATER, FLORIDA, a public body corporate and politic of the State of Florida. By: Approved as to form: Matthew J. Mytych, Esq. CRA Attorney 1 I/ f Li Date: I 7 Jesus N. CRA Executiveirector Date: / �Z1( e ---r Attest: Rosemarie Call .........q T4/), .�'���• ``:Av Or • CORPo� ;Tg TF rz 7tC6 4 - City Clerk �'t.4ORIM * ?`` 1441/�unmito o� Date: "76Yzfvibv, c?l ) N (APPLICANT SIGNATURE PAGE) APPLICANT: By: - Print n Title: Date: / Q_ _o A,tr• :,-, 4_ mud( fps- COUNTY vs STATE OF FLORIDA ) COUNTY OF PINELLAS ) The foregoing instrument was acknowledged before me by means /physical presence or ❑ online notarization, this LI day of ^10,1€M , 2024 by KAI E tiktc MUWr4 who ❑ is/are personally known to me or R4,Tho has/have produced a driver's license as identification. i1iO (NOTARIAL SEAL) ��"";;; Jufia C. B ;-*_ C aNas Q� omrn.: HH 601100 Expires: Oct 7, 2028 Notary Public • State of Florida 8 Not. s/ Public, State of Florida Name of Notary: QvuP C. Skt 4S My Commission Expires: to/oz Ic4odb My Commission No.: ti k Gott00 EXHIBIT "A" LEGAL DESCRIPTION 9 Lot 58, Block D, GREENWOOD PARK NO. 2, according to Plat thereof recorded in Plat Book 8, Page 16, Public Records of Pinellas County, Florida. EXHIBIT "B" RESIDENTIAL EXTERIOR IMPROVEMENT GRANT PROGRAM POLICY 10 RESIDENTIAL EXTERIOR IMPROVEMENT GRANT PROGRAM APPLICATION FORM City of Clearwater Community Redevelopment Agency North Greenwood Community Redevelopment Area TABLE OF CONTENTS SECTION 1 — PROGRAM GOAL 1 SECTION 2 — PURPOSE AND INTENT 1 SECTION 3 — AVAILABLE ASSISTANCE AND PROGRAM ELIGIBILITY 2 SECTION 4 — ELIGIBLE RESIDENTIAL IMPROVEMENTS 4 SECTION 5 — PROGRAM REQUIREMENTS AND APPLICATION PROCESS 5 SECTION 6 — DISBURSEMENT POLICY AND PROCEDURE 6 SECTION 7 — GRANT EXPIRATION 7 SECTION 8 — COMPLIANCE WITH THE CITY OF CLEARWATER ETHICS CODE 7 SECTION 9 — APPLICATION 8 SECTION 10 — ELIGIBLE CRA AREA MAP 11 Residential Exterior Improvement Grant Program Approved by the CRA Trustees July 15, 2024 Case Number: RESIDENTIAL EXTERIOR IMPROVEMENT GRANT PROGRAM The Program provides a matching grant of up to $20,000. SECTION 1 — PROGRAM GOAL The City of Clearwater (City) Community Redevelopment Agency (CRA) Residential Exterior Improvement Grant Program (Program) is designed to increase access to redevelopment funding for residential improvements to homesteaded single-family homes in the North Greenwood Community Redevelopment Area (NGCRA). The purpose of the Program is to rehabilitate single family homes, improve property conditions, aesthetics, reduce housing cost burden, and aid in the elimination of slum and blight. The focus of this Program is directed to the exterior improvement of residential properties to enhance neighborhood aesthetics and pride. SECTION 2 — PURPOSE AND INTENT The purpose of the Program is to support the implementation of the adopted Community Redevelopment Area Plan (Plan) for the North Greenwood Community Redevelopment Area in accordance with the Florida Community Redevelopment Act of 1969. Sections 163.330, et seq., Florida Statutes, by: 1) Carrying out plans for a program of voluntary or compulsory repair and rehabilitation of buildings or other improvements in accordance with the community redevelopment plan (Sections 163.370(2)(c)(5), Florida Statutes). 2) Reducing the percent of households that are housing cost burdened (Plan Section 3.2, Goals and Objectives, Goal 4 Housing Affordability, Objectives, page 94). 3) Prioritizing keeping existing residents in their homes through funding for addressing property maintenance and building code issues and reducing visual blight (Plan Section 3.3, Redevelopment Policies, Housing, page 95). 4) Developing grant programs to improve the exterior and interior of blighted properties (Plan Section 4.5, Plan Implementation, Table 15, Goal 1 Policy Implementation: Public Safety, page 134). 5) Developing programs to encourage neighborhood pride in yard and home appearance (Plan Section 4.5, Plan Implementation, Table 15, Goal 1 Policy Implementation: Public Safety, page 136). 6) Providing emergency assistance funds for low-income residents for life safety home repairs and renovations to accommodate physical disabilities (Plan Section 4.5, Plan Implementation, Table 15, Goal 4 Policy Implementation: Housing Affordability, page 140). 7) Creating a grant program to reduce blight through the repair and preservation of historic homes (Plan Section 4.5, Plan Implementation, Table 15, Goal 4 Policy Implementation: Housing Affordability, page 142). 8) Creating value for the citizens of Clearwater and improving the North Greenwood CRA by (themes stressed throughout the Plan): a) Promoting a resident and neighborhood friendly atmosphere; 1 b) Promoting economic development and neighborhood revitalization; c) Incentivizing property owners to enhance and sustain the values of their property; d) Creating a more inviting and visually appealing atmosphere; and e) Instilling a greater sense of place and civic identity. It is not the intent of the CRA to engage in any rehabilitation activity that requires vacating property or displacing any residents from property. Moreover, this Program does not assist in temporary relocation cost or the development of new construction projects. Rather, it is to rehabilitate existing single-family structures. SECTION 3 — AVAILABLE ASSISTANCE AND PROGRAM ELIGIBILITY The Program provides a matching grant, as specified below, of up to $20,000 to assist applicants with exterior home repairs. Program assistance is based on a sliding scale and adjusted for family size and income limits, which are subject to change from time to time. Applicants with Household incomes that exceed 120% Area Median Income do not qualify for this Program. Applicant will match the grant amount by the percentages listed below (must provide proof of matching funds prior to project work commencing): Area Median Income (AMI) % Applicant Contribution/Match 0 — 30% 5%* 31% — 50% 10%* 51% — 80% 15%** 81% —120% 20%** 121% — plus Not eligible for grant. *Match may be waived at the rate of one hour of community service per $150 of approved grant amount. **Up to 50% of Applicant's match may be waived at the rate of one hour of community service per $150 of approved grant amount. (Community Service must be performed by Applicant, or anyone over 18 years of age legally residing in the home, within the NGCRA boundary and through a tax-exempt not-for-profit organization recognized by the CRA or City of Clearwater. Community service must be performed without pay or compensation from the not-for-profit organization, and service must be performed in full hour increments rounding up to the nearest whole hour. Scope of community service must be pre - approved, by the CRA Director, prior to commencement. In addition, said community service must be performed prior to release of grant funds.) The CRA Director may waive, or reduce, on a case-by-case basis, the community service provision for certain individuals with disabilities, including age related disabilities, or other verifiable hardships, that prevent the Applicant, and anyone over 18 years of age legally residing in the home, from performing community service. In the event the waiver is granted, then the Applicant Contribution/Match will be set to zero percent. The grant is a reimbursement grant, unless otherwise approved by the CRA Director to pay an approved licensed contractor directly, no more than one payment within a 30 -day period. The CRA Director may require in all grant applications that licensed contractors be paid directly, eliminating the need for homeowners to pay contractors, and then requesting reimbursement from the CRA. 2 The chart below is data provided by the Florida Housing Finance Corporation (FHFC) which is based upon figures provided by the United States Department of Housing and Urban Development (HUD) and are subject to change. Updated charts by FHFC will supersede any income limit chart provided within this document. When updates are made available by FHFC, the chart below will be updated. HOUSEHOLD SSE 1 Praon 2 Perms 3 Pomona 4 Prams* s Psora I Pomo 7 Parsons a Parsons MOVE 1150001AlI (4M%) 90.600 106.900 120.400 133.700 144480 158.120 165.900 178.541 YOOE>fATE * OME 80,280 91.680 1031200 114.800 123.940 132.980 142,200 151,320 53,500 61.150 52,550 68.850 94.750 100.850 30.450 30.200 47.750 51.100 55.400 59.950 EXTREMELY LOIN (70%} 20.100 22.950 25.020 31,200 41.900 47.340 52,720 Any applicant requesting grant funding from this program will have their income verified by City staff and must supply the items listed below, and, if requested, any other income or employment documents that are not listed below: • If applicable, self-employed year to date profit and loss statements. • All pages of last two year's tax returns, with all schedules and W-2s/1099(s). • Most recent and consecutive last two months of bank statements (with bank name and account number) (ALL PAGES, even if blank) for all household members with accounts. • If combined with a Home Rehabilitation Loan from the Economic Development and Housing Department, additional information may be required. Applicants that do not wish to have their income verified will automatically be disqualified from Program participation. Eligibility Criteria To be eligible for the Program, the project/property must meet all the following qualifications: • Applicant must be the owner of the subject property. * • The subject property must be a single-family home. • Property must be located within the North Greenwood Community Redevelopment Area. • The single-family home must be the primary residence and legal homestead of the Applicant. In addition, the following may qualify for the Program. • Owners of property that have applied to Pinellas County for homestead exemption consideration may be eligible for this Program. • Applicants that reside at the property, control said property other than through outright ownership, and are authorized to approve the repairs and other work that are the subject of this program, may provide alternative documents to substantiate that they have such control and authority regarding the property. This documentation may include probate court documents, wills, heirship affidavit, letters of administration, or other legal documentation. After review of the documents, the residing applicant(s) may qualify for the Program, provided the applicant(s) wishing to apply for the Program reside at the property as their primary residence. If such control or authority is disputed by another party or 3 parties, the application may be denied until such time as the Applicant resolves such disputes. • Must demonstrate property taxes are current or a satisfactory payment plan is approved by the CRA Director. • Must be current on mortgage payments (if applicable). • Must be in good standing with the city (no outstanding code enforcement or building code violations). This requirement may be waived by the CRA Director if the work proposed under this application will remediate the code violations. • If combined with a Home Rehabilitation Loan from the Economic Development and Housing Department, other requirements may vary. *The owner of the Property (Owner) shall be the Applicant. Owner means a holder of any legal or equitable estate in the premises, whether alone or jointly with others and whether in possession or not shall include all individuals, associations, partnerships, corporations, limited liability companies and others who have interest in a structure and any who are in possession or control thereof as agent of the owner, as executor, administrator, trustee, or guardian of the estate of the owner. No Owner shall receive more than $25,000 in total CRA grant value across all CRA grant programs within a 36 - month rolling year. For the purposes of this application, the total CRA grant value that an Owner has received over such period shall be the combined value, in the 12 month period immediately preceding the submission of an application for this program, of: (1) the amount of CRA grant funds that the applicant has received; (2) the amount of CRA grant funds that any holder of legal title in the subject property other than the applicant has received; and (3) if a business entity holds legal title in the subject property, the total amount of CRA grant funds received by any directors, members, partners, shareholders, any others with an ownership interest in such entity, and any others able to exert managerial control over or direct the affairs of said entity. Previous Participation — Each property may not receive a grant any more than every thirty-six months. The following are ineligible for Program assistance: • Work or improvements that are completed prior to an application being approved. • Any unpermitted work or improvements performed on the property that required a permit and inspections. • Any work or improvements on the property that fail required inspections. • Multi -family properties. • Properties that do not qualify for homestead exemption. • New construction or improvements on vacant land. Project Implementation Projects are to be coordinated, managed, and implemented by the Applicant with close interaction with Community Redevelopment Agency Department staff and the appropriate City departments. Applicant is responsible for obtaining/arranging any permits required by the city. SECTION 4 — ELIGIBLE RESIDENTIAL IMPROVEMENTS One or more of the following improvements may be eligible for Program assistance: 4 1) Exterior repairs (walls, foundation, piers, siding, etc.); 2) Exterior painting; 3) Exterior windows and doors; 4) Roof repairs or replacement, including facia board, soffits, and gutters; 5) Window or door awnings and shutters (including hurricane shutters; replacement or repair); 6) Exterior weatherization improvements; 7) The installation, repair, or renovation of porches; 8) The installation of decorative lighting; 9) Decorative fencing; 10) Driveway, pedestrian walkways/pathways, and sidewalk improvements; 11) American with Disabilities Act (ADA) accessibility improvements; 12)The installation of landscaping and irrigation systems, not to exceed twenty percent (20%) of the total grant amount; 13) Tree trimming or removal (requires city approval, and city may require a licensed arborist to confirm tree removal is necessary); 14) Heating, ventilation, and air conditioning (HVAC) systems; 15) Certain interior repairs: a. Interior deterioration/damage directly resulting from an exterior defect or damage, may qualify for grant funding to repair said deterioration/damage. Such interior repairs may include, but are not limited to, load bearing walls, drywall, insulation, and wood repair. However, grant funds must first be used for improvements or repairs to fully remedy the external defect or damage that resulted in such interior deterioration/damage prior to any use of grant funds on interior repairs. b. Interior deterioration/damage that is verified by the city as a life safety issue to home inhabitants. c. ADA accessibility improvements. 16) Home fumigation (including tenting if necessary) for termites; and 17) Other improvements may be submitted for consideration but must demonstrate that the improvement meets the intent of this grant program. The following improvements are not eligible for Program assistance: 1) Repairs to unsafe or substandard structures that cannot be made safe for habitation with Program funds. 2) Room additions, garage conversions, repairs to structures separate from the living units (detached garage, shed, etc.), furnishings, and pools. 3) Repairs covered by insurance. 4) Non -permanent improvements. 5) Enclosing a front porch. 6) Installation of window or door security bars. 7) General interior home improvements and repairs. SECTION 5 — PROGRAM REQUIREMENTS AND APPLICATION PROCESS Program Requirements • All statements and representations made in the application must be correct in all material respects when made. 5 • Color digital photographs of the existing structure exterior, showing all sides of the building, must be provided with application. • An estimated detailed budget must be provided on the attached project budget form (Attachment A). • Work required to be performed by licensed contractors. Applicant must provide, as attachments, three quotes from contractors and copies of their licenses. Quotes to include complete description of materials to be used). o If work is performed by non -licensed workers, then only materials purchased will be eligible for grant funds, unless the work performed was required to be performed by a licensed individual per City codes. • Portions of the project costs not funded by the requested grant must be provided by Owner funding. Owner funding may consist of bank loans, lines of credit, a Home Rehabilitation Loan from the city's Economic Development and Housing Department, and owned assets (Owner Equity), etc. • Owner must demonstrate their source of the Owner Funding and their ability to meet the financial obligations of the Program prior to Program approval. • Proceeds from other City -managed financial assistance programs may be used as Owner Equity to satisfy the Owner Funding requirements of this Program and may be used to assist with funding of remaining portion of larger improvement project. Grant funds cannot be used as Owner Equity to satisfy the Owner Funding requirements of other City -managed financial assistance programs. Grant Application Process • Submittal of an application does not guarantee a grant award. • Grant preference will be given to Applicants at or below 80% AMI, applicants 65 years of age and above, and the disabled. • Completed applications that meet all the Program requirements will be reviewed by the CRA Director. • The CRA Director will approve or deny applications based on the criteria set forth in this document. • Incomplete applications will not be considered submitted until all required documentation has been submitted to Community Redevelopment Agency Department staff. • All construction/design contracts will be between the Applicant and the contractor/design professional. SECTION 6 — DISBURSEMENT POLICY AND PROCEDURE Grant funds will, unless otherwise approved by the CRA Director to allow initial project deposits or other necessary draws, up to fifty percent of the grant amount, to be paid directly to a City/CRA approved licensed contractor, be disbursed upon a "Finding of Project Completion" by CRA Director. A "Finding of Project Completion" will be granted when the following criteria are met: 1) Applicant must demonstrate their ability to meet the financial match/obligations of the Program and any required community service has been completed by qualifying applicants. 2) Requests for disbursement of project costs will be viewed as a single, completed package, unless prior disbursement of funds arrangements have been made to pay 6 licensed contractors directly (no more than one payment within a 30 -day period). Costs not included in the approved application budget will not be considered for disbursement. 3) Required documentation for disbursement of project costs must include: a. Copies of cancelled checks, certified checks or money orders of project costs, or credit card statements of project cost; b. Detailed invoices and paid receipts signed, dated, and marked "paid in full;" c. Name, address, telephone number of design professional(s), general contractor, etc.; and d. Photos of the project (before and after photos). 4) The Applicant must have obtained all necessary/required permits (e.g. zoning and building), passed all required inspections, and prior to final disbursement of funds received (if relevant) notice, in the form of a Certificate of Occupancy or Certificate of Completion for the project demonstrating the legal occupancy of the project area. Any work performed without a permit that required a permit will not be eligible for grant funding. 5) The CRA disburses funds to grant recipients within 30 days of fully completed reimbursement request. SECTION 7 — GRANT EXPIRATION Applicants must receive a "Finding of Project Completion" within 180 calendar days from the date of application approval. After the said 180 days, the grant will expire. An extension for the grant funds may be granted by the CRA Director for a good cause. It is the responsibility of the Applicant to request, in writing, from the CRA Director an extension of the grant approval before the expiration date. SECTION 8 — COMPLIANCE WITH THE CITY OF CLEARWATER ETHICS CODE The applicant will comply with all applicable City rules and regulations including the City's Ethics Codes. Moreover, each applicant to the Program acknowledges and understands that the City's Ethics Code prohibit City employees from receiving any benefit, direct or indirect, from any contract or obligation entered with the City. 7 SECTION 9 — APPLICATION 1) Applicant (Property Owner) Full Legal Name(s): Mailing Address: City/State/Zip: Phone Number: E-mail Address: 2) Subject Property Address commonly known as: Parcel Identification Number(s): 3) Project description, scope of work to be performed, sketch plans and specifications detailing the scope of work (provide attachment(s) if needed). (Applicant understands that depending on the project, certain city departments may require additional documentation, plans, etc. to properly review and approve the proposed project described in this application.) 8 9 4) Financial and Other Disclosures Annual Household Income: $ (Income examples (not limited to the following): employment or self-employment income, Social Security, Pension, Disability, etc.) Household Size: # Is the subject property current with property tax payments, mortgage payments (if applicable), fees, and in compliance with City codes and regulations? (must provide copies of property tax payment and mortgage payment statements) Yes No D If no, please explain: Have you received a loan or grant assistance from a city-managed financial assistance program for a project at the subject property? Yes No If yes, please specify the program(s), dates received, and the loan/grant amount(s) below or provide attachment(s). Program Name: Date Received: Amount Received $ Program Name: Date Received: Amount Received $ 5) Amount of Grant Requested under this program: $ Are you requesting direct payment of approved grant funds to an authorized contractor? Yeses No If yes, please specify the contractor's name: Note: This option must be approved by the CRA Director. 9 Attachment A - Project Budget Form (Attach contractor/vendor estimates/quotes for consistency verification of items listed below. Contractor/vendor estimates/quotes improvement item descriptions and cost will supersede if improvement item descriptions and cost are listed different below. If more project budget form lines are need, Applicant may duplicate budget template below on separate sheet. If new Project Budget Form is created, write "See Attached" in Line No. 1 below. For Applicant Use For staff use only Line item No. 1 Improvement(s) item Description (including construction materials, labor, permitting, other fees, etc.) Improvement(s) Cost Amount Line item Eligible for Grant Consideration Yes/No Cost Amount Eligible for Grant 2 3 4 5 6 7 8 9 10 11 $ 12 13 14 15 $ 16 17 Total lin ov nts) Cost Amount $ Total Cost Amount Eligible for Grant Consideration $ Line No. Use Only Total'G attache tint i bit it Grant Coni tes tion (front"Attachment A" a under this pn on 9, question`5 of Application). r monotary value from either Line No. 1 or e No. 2. Subtract Line No. 4 Enter valueof e (See Section'3 of C Number of serviO0 Line No. 3 and er Noun. tmunity service hours for contribution/match for value of service hours). approved by CRA Director: Add Line N amount in Line No. 5 and er mount. Ni tgibl grant 10 arnourd to enter in approval letter: PLEASE NOTE: For multiple signers: This Application may be executed in one or more counterparts, each of which when executed and delivered, shall be an original, but all such counterparts shall constitute one and the same instrument. I ACKNOWLEDGE THAT I HAVE RECEIVED AND UNDERSTAND THE GRANT GUIDELINES HEREIN ABOVE STATED. IN ADDITION, BY EXECUTING THIS APPLICATION, I ACKNOWLEDGE THAT I AM LAWFULLY AUTHORIZED TO EXECUTE THIS APPLICATION AND THAT ALL INFORMATION AND STATEMENTS CONTAINED HEREIN AND ON ANY ATTACHEMENTS ARE TRUE, CORRECT, AND COMPLETE. Applicant Signature Printed Name Date STATE OF COUNTY OF The foregoing instrument was acknowledged before me this day of , 20 , by who [ ] is personally known to me or [ ] has produced identification. Type of identification produced: My commission expires: (Notary Seal) Notary Public Signature Notary Public Print Name Mail or hand deliver completed application form to: Community Redevelopment Agency City of Clearwater / 600 Cleveland Street, Suite 600 / Clearwater, FL 33755 For question call the Community Redevelopment Department at 727-562-4039 11 SECTION 10 — ELIGIBLE CRA AREA MAP NORTH GREENWOOD COMMUNITY REDEVELOPMENT AREA }npaeod ky. Ooaana P aie oft*. iv�..irm MCS baTnaJggifiobi. Not. Pbi N.� Onrwlia. Pt 93756 Ph 07)71112-1/91, Par. R77r6241JEJi *rm. Vichmwommem North Greenwood CRA Area not in Clea Jurisdiction Boundary Map Gen By: KF Reviewed By: ES ame,T'ot Pat: C W Caf Aerial Flown 2023 Date. 104012023 ate. Page: 1 of 1 E Scale:N.T.S. irnras Ckgrmd ,Eirgetagtrl.6aolraaait UNAR 10&- rnCuagHVAIRCRAKet nr®atl and Doonb.n CRAtaragenegratl and aam+wm CRA bae. 12 EXHIBIT "C" GRANT APPLICATION AND PLAN SPECIFICATIONS 11 SECTION 9 — APPLICATION 1) Applicant (Property Owner) Full Legal Name(s): KASkE NAyES Mvu..1Ns Mailing Address: "5O FNGnnro,J ST. City/State/Zip: t,Dp,z , 5L 33Z5S Phone Number:(1 ) 44.5Fsa1 E-mail Address: 2) Subject Property Address commonly known as: k% SO c erw J SZ_ Gt£iR�► tfEYL,CLOIUI-YA Parcel Identification Number(s): I - aq- i5-33552 oo OSKo 3) Project description, scope of work to be performed, sketch plans and specifications detailing the scope of work (provide attachment(s) if needed). (Applicant understands that depending on the project, certain city departments may require additional documentation, plans etc. toro early review and approve the proposed project described in this !cation.) (AL✓l j ,, P1 #54b e i $PLPC6 AC vNrT Rc-QLW CE wA-tE9— N -T62. G.\ouyja_ ca,,►.lC-(150(NI 8 9 4) Financial and Other Disclosures Annual Household Income: $ 1-1,44- -1,44(Income (Incomeexamples (not limited to the following): employment or self-employment income, Social Security, Pension, Disability, etc.) Household Size: # t Is the subject property current with property tax payments, mortgage payments (if applicable), fees, and in compliance with City codes and regulations? (must provide copies of property tax payment and mortgage payment statements) Yes Li' No 0 If no, please explain: Have you received a loan or grant assistance from a city-managed financial assistance program for a project at the subject property? Yes F No If yes, please specify the program(s), dates received, and the loan/grant amount(s) below or provide attachment(s). Program Name: ECONU t& Devetofr ?t c t-}ocs►n4G (Q In nkvi Wiwi d) Date Received: 04 (a(c 1 BD�a Amount Received $ as t 455. ms Program Name: Date Received: Amount Received $ 5) Amount of Grant Requested under this program: $ ei3A5.00 Are you requesting direct payment of approved grant funds to contract r? uthorize Yes K No If yes, please specify the contractor's name: McCot eta JAR_ ConcitlioniZci, 44 M-4--t n9 , InC. F1 p, Gus 4100 PwMt3tnXa 1►JG Note: This option must be approved by the CRA Director. 9 Attachment A - Project Budget Form (Attach contractor/vendor estimates/quotes for consistency verification of items listed below. Contactor/vendor estimates/quotes improvement item descriptions and cost will supersede if improvement item descriptions and cost are listed different below. If more project budget form lines are need, Applicant may duplicate budget template below on separate sheet. If new Project Budget Form is created, write "See Attached" in Line No. 1 below. For Applicant Use For staff use only Line item No, 1 Improvement(s) Item Description (Including construction materials, labor, permitting, other fees etc.) SNot, R C TR10(4E - Sttou)C-e. 'tam mprovement(s} Cost Amount Line item Eligible for Grant Consideration Yes/No $0 .00 ES Cost Amount Eligible for Grant $ q-sp.00 2 Cars uo'Pr-i92- 4-k Mire& Q.£PuRC einitoOT $ ltvisS' . 1/4.)0 Yes 3 4 C«Ept.XotCE CUNO\Itt•Km X1 UNIT $ lA t'b0 . oo y ES $ 1 ro3S -0o $ 6 t$o . 00 5 6 7 8 9 10 11 12 13 14 $ $ $ 15 16 17 Total lmprovemeent(s} Cost Amount i5,00 Total Cost Amount Eligible for Grant Consideration $ 8315.00 qu ither Line No. 1 or Line No. 2. 0. No; 10 rd am pis Cla_i l -X- Up i) 1. B 3 UC1 • a 15px Shover icb.JS PLEASE NOTE: For multiple signers: This Application may be executed in one or more counterparts, each of which when executed and delivered, shall be an original, but all such counterparts shall constitute one and the same instrument. I ACKNOWLEDGE THAT I HAVE RECEIVED AND UNDERSTAND THE GRANT GUIDELINES HEREIN ABOVE STATED. IN ADDITION, BY EXECUTING THIS APPLICATION, I ACKNOWLEDGE THAT I AM LAWFULLY AUTHORIZED TO EXECUTE THIS APPLICATION AND THAT ALL INFORMATION AND STATEMENTS CONTAINED HEREIN AND ON ANY ATTACHEMENTS ARE TRUE, CORRECT, AND COMPLETE. A.plicant Signature Printed Name ide- Date I. Muilf A 25 STATE OF FL0V.1 DA COUNTY OF PINEL1 S The foregoing instrument was acknowledged before me this 23 day of °MOM,. 20 2-4- , by t"cA1 tE. MULUNC who [ ] is personally known to me or [ ✓] has produced identification. Type of identification produced: VL ()L_ My commission expires: (Notary Seal) Not Public Signature Notary Public Print Name v"r`''•Julia C. _, � Comm.: HH 801100 Z.0" Notary Oct. 7, 028 Florida Mail or hand deliver completed application form to: Community Redevelopment Agency City of Clearwater / 600 Cleveland Street, Suite 600 / Clearwater, FL 33755 For question call the Community Redevelopment Department at 727-562-4038. 11 r��EARCE�S TO: 21949 US Hwy 19N Clearwater, FL 33765 (727) 307-0502 PearcesPlumbingFL@gmail.com License # CFC1430957 NAME ADDRESS CRY STATE ZIP EMAIL TERMS. • INVOICE 12904 /CONTACT PHONE MATERIAL DATE OF ORDER AMOUNT ORDER TAKEN BY CUSTOMERS ORDER NUMBER ❑ CONTRACT • DAY WORK • EXTRA CONTACT NAME ni'L c j % 15o` JOB LOCATION li I NQ( k,,JCLf4'(t1}41 44tArcugN WORK/PURCHASE ORDER NUMBER STARTING DATE J QTY. MATERIAL PRICE AMOUNT DESCRIPTION OF WORK jc4 [(-"r kec-4(= r I nC f ode, ni'L c j % 15o` li I NQ( k,,JCLf4'(t1}41 44tArcugN -1r,trre,f9L. 90.Yeef, (UM6J,1. . �0 I /I CIO J e 5 M,4 -k r,y p{ (.n 1 ,''•) Ion ;>C" 1,e,--c-ey Le} i-C4,F6n jc,14e f<.k OTHER CHARGES -1-., /, t ori4,ceMep4 TOTAL OTHER LABOR HRS. RATE AMOUNT TOTAL LABOR TOTAL MATERIALS TOTAL MATERIALS Work ordered Signature by�-. TOTAL OTHER ghank W-Cla SUB TOTAL SALES TAX 1 hereby acknowledge the satisfactory completion of the above described work. TOTAL Sala S'ettliee • 7/1,c Air Conditioning & Heating, Inc. 327 8th Avenue North Safety Harbor, FL 34695 (727) 736-4480 proposal Date I -2021 ACCOUNT NO. TO -7-ie. fAL)GU Yi s. JOB NAME ��-rne ADDRESS +50 ` 1V c pia ,^ , 6 JOB ADDRESS CITY0j _STATE ZIP aLre CITY COUNTY PHONE: res. bus. MODEL OUR JOB NO. WE PROPOSE TO PROVIDE AND INSTALL CENTRAL AIR CONDITIONING AND EATING PER OUR PLAN NO. FOR THE ABOVE AS FOLLOWS: l- A) D YY I t% Hr5K 1 -Tef Imoet eR- o l l e L # T -vcr.ip 1 f44fZ2 R 14 I Z ��0p N Ce514Jeo,;143 'r PZ a '417 -A.r {Nol, in cae a use_ W-x\Is'A-, aALv, C W �a.-O& ► Pa2. 0 ft4 stioi -. e Ca r Neff' To xi 5 `i 1).(97--s ci2-k 4 Earr-i' d. .,00 tj'. I (5--yorkft.c pc r s 1 -.'t),W L ASR BLDG. PERMIT NO. LOT BLO SUB. ) TOTAL PRICE Q` .. ( $ 6180.05 180.0 PAYMENT TO BE MADE AS FOLLO ale... ine e o- nc1,1-1C e[\fir\ A j P Acceptance of proposal - the above prices, specifications and conditions are satisfactory and are accepted. You are authorized to do the work as specified. Payment will be made as outlined above. (subject to conditions on reverse side) DATE: NOTE: This proposal may be withdrawn by us if not accepted within 30 days. McConnell A !�nditionin • eating- c. *% / Signature Buyer Signature Seller STATF C:FRTIFIFII t^nNTI:lArTnR nun rerrn cn i t=nrm ARM /Pm/ 1/171 CONDITIONS I. No changes in this Proposal shall be binding unless same shall be made in writing, setting forth the details of such changes and the cost thereof, and signed by both parties. 2. McConnell Air Conditioning & Heating, Inc. shall not be held responsible or liable for any loss damage or delay by any cause beyond its control, nor shall McConnell Air Conditioning & Heating, Inc. be responsible for any consequential damages. 3. The Buyer agrees not to sell, assign or transfer any rights under this Contract or transfer possession of said material without first making payment in full to McConnell Air Conditioning & Heating, Inc. 4. All payments under this agreement shall be made within thirty (30) days from date of invoice. Progress payments must be made in full prior to final work being performed. 5. Any agreements as to time on this contract shall be subjected to adjustment insofar as delay, by other trades, the contractor, owner, by out of state deliveries, by weather, or other reasons beyond our control are concerned, and additional time allowed to compensate for same. 6. It is specifically agreed by the owner or contractor that any delay in payments pursuant to this agree- ment shall be our authorization to cease all work. 7. In the event McConnell Air Conditioning & Heating, Inc., its assign or successors, presents this contract to any attorney for handling, then the owner and/or agent also agrees to reimburse McConnell Air Conditioning & Heating, Inc. for all collection or repossession expenses, including reasonable attorney's fees and interest of 18% per annum on past due balance. 8. All equipment and devices installed as part of this proposal shall be guaranteed for a period of one year from date of completion of this installation, except as otherwise noted, or in accordance with manufac- turers warranty. All work shall be performed during normal working hours, a one half time charge will be in effect for all warranty work requested after hours. 9. Title to the above described material shall not pass but shall remain vested in and be the property of McConnell Air Conditioning & Heating, Inc. until full and final payment is received. In the event payment is not received timely, Buyer agrees Seller may remove all goods, materials and equipment furnished by McConnell Air Conditioning & Heating, Inc. 10. The Buyer agrees to provide safe job conditions as a prerequisite to performance hereunder by McConnell Air Conditioning & Heating, Inc. 11. BUYERS RIGHT TO CANCEL: You, the Buyer may cancel this transaction without penalty or obligation at any time prior to midnight of the third business day after the date of this transaction by written notification to McConnell Air Conditioning & Heating, Inc. 12. The Buyer agrees to protect installed equipment and material and to reimburse seller for damaged stolen goods. 13. There are no warranties, expressed or implied, beyond the face hereof. Any warranties imposed by law are limited to one year from date hereof. In no event shall there be any liability for loss of profits or consequential damages.