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Sets a fixed 3% per annum interest structure with quarterly payments, a ten-year maturity with potential extensions up to five additional years, and permits prepayment without penalty. 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Use is restricted to the Investor Bank’s assessment area to meet community development investment goals and objectives, and requires periodic reporting of investment activity.","https://schema.org",{"og:url":78,"og:type":120,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":122,"canonical":78},"index,follow",{"doc_id":124,"site_id":56},283217,1790222197,{"code":4,"msg":5,"data":127},{"doc_id":124,"user_id":128,"nickname":88,"user_avatar":129,"doc_module":9,"category_id":40,"category_name":41,"doc_title":59,"doc_description":61,"doc_content":130,"file_id":131,"file_url":132,"file_type":133,"file_size":134,"view_count":8,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":79,"language":135,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":136,"faqs":137,"seo_title":138,"seo_description":61,"update_tm":139,"read_time":73},2336464648746,"https://ap-avatar.wpscdn.com/davatar_276721f389ce27ea32af1340a28f341c","INVESTMENT AGREEMENT  \nThis Investment Agreement (the “Agreement”) is entered into as of January 1, 2009, by and between [FULL NAME OF ORGANIZATION], a [STATE] state nonprofit corporation (hereafter referred to as “[HOUSING LOAN FUND]”) and [FULL NAME OF INVESTOR] (“Investor Bank”) .  \nRECITALS  \nWHEREAS, [HOUSING LOAN FUND] is a [STATE] non-profit community development financial institution established to promote community and economic development by increasing access to capital for small businesses and community development organizations engaged in economic and community development and affordable housing throughout [STATE] (the “Program”) .  \nWHEREAS, [HOUSING LOAN FUND] is not able to issue stock to raise capital to fund the Program.  \nWHEREAS, Investor Bank wishes to make investments which promote the public welfare in [STATE] and is willing to assist [HOUSING LOAN FUND] in the funding of the Program.  \nWHEREAS, in order to invest in [HOUSING LOAN FUND], Investor Bank is prepared to make an equity-equivalent investment in [HOUSING LOAN FUND], structured as an investment on the terms and conditions specified in this Agreement.  \nNOW THEREFORE, the parties hereto agree as follows:  \n1.  The Investment Terms. Investor Bank agrees to invest the principal sum of fifty thousand and 00/100 ($50,000) at a fixed interest rate of 3% per annum (the Investment) . Interest shall be calculated on a 360-day year consisting of twelve 30-day months and shall be payable quarterly commencing on the last day of the next calendar quarter following the initial disbursement. The principal balance of the Investment shall be due and payable ten years from the date of the initial disbursement. At the end of the ten years, the Investor Bank is obligated to extend the Investment’s maturity annually for successive periods of one year not to exceed five years. Annually thereafter, Investor Bank has the option of extending the Investment’s maturity for an additional year, but isnot obligated to do so. [HOUSING LOAN FUND] may pre-pay the Investment, in whole or in part, at any time without penalty.  \n2.  Repayment Terms. Notwithstanding Section 1 above with respect to [HOUSING LOAN FUND]’s obligation to make quarterly interest payments, [HOUSING LOAN FUND] shall not be required to make any payment of interest with respect to this Investment when such payment is due if: (a) as a result of such payment, [HOUSING LOAN FUND] would be unable to make full payment of the interest which is then due with respect to any outstanding obligations that are senior debt of [HOUSING LOAN FUND]; (b) as a result of such payment, [HOUSING LOAN FUND] would be unable to  \nsatisfy its operating expenses due at the time payment is due (or within ten business days of such due date); or (c) payment of this Investment’s interest cannot be made from [HOUSING LOAN FUND]’s available cash at the time payment is due.[HOUSING LOAN FUND]’s obligation to make payments of interest to Investor Bankshall not be excused as a result of the occurrence of any of the above circumstances, but shall be required to be made on the first business day following the payment due date on which it has the available resources to make the interest payment in whole or in part.  \n3.  Purpose and Use of Proceeds. [HOUSING LOAN FUND] shall use the proceeds ofthe Investment to provide access to capital by homebuyers, small businesses and community development organizations engaged in economic and community development and affordable housing, halt community deterioration and create jobs. The proceeds ofthis investment will be restricted to use specifically in the assessment area of Investor Bank to meet community development investment goals and objectives in that area. So long as any part of the Investment remains outstanding, [HOUSING LOAN FUND] shall furnish Investor Bank with a quarterly report of investment activity, in such detail as Investor Bank may from time to time reasonably request.  \n4.  Conditions. ","cbCaik2uvDIJds0r","https://ap.wps.com/l/cbCaik2uvDIJds0r","pdf",23561,"English","# Investment Terms\n## Repayment Terms\n# Purpose and Use of Proceeds\n## Conditions\n## Acceleration of Maturity","[{\"question\":\"What is the principal amount and interest rate in the agreement?\",\"answer\":\"The Investor Bank invests $50,000 at a fixed interest rate of 3% per annum. Interest is calculated using a 360-day year and is payable quarterly.\"},{\"question\":\"When does the investment mature and how can maturity be extended?\",\"answer\":\"The principal is due ten years from the initial disbursement date. After the ten years, the Investor Bank must extend maturity annually for successive one-year periods not to exceed five years, and may extend further at its option by one additional year.\"},{\"question\":\"How are the proceeds of the investment restricted?\",\"answer\":\"Proceeds must be used to provide access to capital for homebuyers, small businesses, and eligible community development organizations. Use is restricted to the Investor Bank’s assessment area to meet community development investment goals and objectives, and requires periodic reporting of investment activity.\"}]","Investment Agreement - Equity-Equivalent Investment Terms - Statewide Loan Fund | PDF",1789592801]