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. <br /> Y <br /> Program, the"Financial Institution" agrees to follow underwriting criteria set forth in the <br /> "HOME" Buyer pown Payment Assistance Program. <br /> 11. The "Financial Institution" shall make a sufficient amount of funds available for <br /> loans under this "Program", subject to approval as provided herein. The"Financial Institution" <br /> shall assist the "City"with promoting the "Program"by informing its lending officers and <br /> potential applicants about its availability. <br /> 12. The "Financial Institution" shall, to whatever extent possible, make available <br /> other assistance programs for the applicant to use in conjunction with the "Program", to provide <br /> assistance with the applicant's down payment and/or closing costs. <br /> 13. All applicants shall be required to provide proof that, at least fifteen days before <br /> closing, they have completed a qualified Homebuyer Counseling program. Cost of attending the <br /> counseling program shall be paid by the applicant. <br /> 14. This Agreement shall commence on u � gl I p and shall continue in effect <br /> for two years. A written request for a two-year extension, by the "Financial Institution", may be <br /> presented to and approved by the Director of Neighborhood Services. <br /> D �`TED this ��of c� I , 2010. I', <br /> CIT O D �A IL FINANCIAL INSTITUTION <br /> BY BY � L. � I <br /> Title: Mayor Title: �k�Cc.� iU� U;CC, (`�1�NSr�Ctn� I <br /> ATT I, <br /> � <br /> C%�/1..�•[� <br /> City Clerk <br /> 4 <br />