Of 14 major banks reviewed by Reuters, JPMorgan (JPM.N), opens new tab was the only one which did not automatically count labelled loans and bonds towards its own sustainable finance target.

Mizuho Markets Americas LLC

In the case of a non-delinquent loan, the depositor might elect to “set off” the loan against his/her deposits in order to receive full value for any uninsured funds (i.e., funds in excess of the $250,000 insurance limit). In either case, no “offset” is possible unless the obligations are “mutual” – meaning that the borrower and the depositor must be the same person or legal entity acting in the same legal capacity.

998,769

3,867

17,171

139,733

81

42,814

38

3,351

285,140

507,870

448,345

1,631

1,603

5,976

53,061

53,597

497,025

325,025

1,437,130

33,396

7,129,240

12,885,185

-

91,295

499,036

Electronic Waste (e-Waste) is anything with a circuit board or battery. It is illegal to dispose of e-Waste in any of your automated carts. CR&R will legally dispose of these items for a nominal fee. Universal wastes are hazardous wastes that contain mercury, lead, cadmium, copper, and other substances hazardous to human and environment health. In general, universal waste may not be discarded in solid waste landfills or placed in any of your automated carts. Please call CR&R Customer Service at (949) 625-6735 to arrange a curbside pick up of E-waste or Universal Waste.

During the third quarter, Healthpeak sold 9.1 million shares of common stock under the ATM equity offering program on a forward basis at an average price of approximately $35.60 per share(before underwriting discounts), which is expected to result in net proceeds of approximately $320 million

To help standardize measurement of a solar panel’s power output, several government rating agencies created power rating standards. Standard Test Condition Direct Current (STC-DC) is the nameplate power that provide a consistent standard for all manufacturers to use. It is the most common rating and measures a panels output in ideal laboratory conditions. In California, all solar panels that are certified by the California Energy Commission to be used in a solar power system receiving a rebate from the local utility must also indicate their power under a second set of test conditions, known as the PTC rating (or PTC power) of the panel. PTC refers to PVUSA Test Conditions, which were developed to test and compare PV systems as part of the Photovoltaics for Utility Scale Applications project. These values are lower than the STC nameplate rating. The California Energy Commission Alternating Current (CEC-AC) rating measures panel’s output in real life production conditions and factors in the inverter’s efficiency of converting DC to AC. The CEC-AC is always lower than the STC-DC rating, because it takes account of inefficiencies throughout the balance of the solar system.

The California Energy Commission Alternating Current (CEC-AC) rating measures panel’s output in real life production conditions and factors in the inverter’s efficiency of converting DC to AC. The CEC-AC is always lower than the STC-DC rating, because it takes account of inefficiencies throughout the balance of the solar system.

Dispositions

Dispositions

Hidden Valley

Dispositions

Dispositions

Dispositions

89,250

407,775

545,774

1,437,874

11,485

835

5,712

2,466

70,349

400,334

398,930

87,795

31,469

6,735,244

12,361,427

-

92,808

391,749

Patina at Midtown (LEED Neighborhood targeted)

(4,577)

671

(283)

1,367

3,083

5,975

51,572

4,577

2,616

14,611

17

137,357

86

93,009

400,497

439,688

In July 2023, the Company closed $298.0 million in 10-year secured loans priced at a 5.08% fixed interestrate. The proceeds are intended to repay a majority of the Company’s $400.0 million unsecured notes due inMay 2024 upon maturity. In the interim, the Company has reinvested the proceeds in short-term cashaccounts, which will be slightly accretive to Total and Core FFO until the notes are repaid.

391,994

In October 2022, the Company obtained a new $300.0 million unsecured term loan priced at Adjusted SOFR plus 0.85%. The loan has been swapped to an all-in fixed rate of4.2% and matures in October 2024 with three 12-month extension options, exercisable at the Company’s option. The loan includes a 6-month delayed draw feature and theproceeds were drawn in April 2023 and are expected to be used to repay the Company’s $300.0 million unsecured notes due in May 2023. As a result, the Company currentlyanticipates no refinancing needs until 2024.

You may want to consider an irrevocable trust if: The value of your assets is higher than the federal estate tax exemption and you want to avoid estate taxes You’re comfortable giving up use or control of your own assets after you establish the trust You want to protect your assets from future creditors. Since assets in an irrevocable trust aren’t considered available to you, they may receive protection from certain creditors and lawsuits

Advantages of an Irrevocable Trust Some big advantages of an irrevocable trust include the following: You have stronger protection from creditors You may be able to qualify for Medicaid for nursing home care You can transfer assets outside probate and avoid estate taxes on trust assets even in large estates

protecting your assets from creditors; protecting your assets from divorce; tax efficiency; controlling money for a beneficiary who is disabled; controlling money for a beneficiary who cannot properly handle money; ensuring funds are used for a certain purpose; and controlling the timing of distributions.

An irrevocable trust may be better for you if: You want stronger protection from creditors.4  You’d like to potentially qualify for Medicaid for nursing home care. (Assets held in this kind of trust are usually not counted toward eligibility.)4  Your estate’s value is at or above the federal tax exemption requirements.

2,533

33,071

6,761,240

12,497,647

-

90,186

Augusto Abraham Arriaga

500

1,780

13,813

EBITDAre

395,214

105,756

34,664

6,451,913

12,245,273

34,429

102,131

(60,949)

Under California Civil Code Section 1950.5(b)(2), a security deposit can be used to compensate a landlord for the cost of repairing damage to the rental "premises." Assuming that your rental agreement defines the rental premises of your house to include the lawn and bushes, damage to these items would be included, but only if the tenants were responsible for the landscape maintenance. As a landlord you have a duty to maintain and repair the premises, while the tenant has a duty not to damage the rental property. In our view, the duty to water and care for the lawn and bushes is more a routine maintenance responsibility than a result of the actual damage such as tearing the carpet. Absent agreement to the contrary, you would be responsible for this maintenance. Since the landscaping is not a required element of habitability such as adequate plumbing and electricity, you can shift the landscape maintenance responsibility to the tenants, but only if that shift is clearly agreed upon by both parties. If you want this shift in the future, we strongly recommend that you modify your rental agreement for any new tenants to expressly make them responsible for the landscape maintenance, either to directly care for the lawns and bushes or to pay for a gardening service.

6/30/22

“Applying this timeframe to the current inversion (roughly one year ago) the economy could enter a recession in October of this year.”

Anu Gaggar, global investment strategist for Commonwealth Financial Network, found the 2/10 spread has inverted 28 times since 1900. In 22 of these instances, a recession followed, she said in June.

The delay between the term spread turning negative and the beginning of a recession has ranged between 6 and 24 months.

(6) For properties that qualified for, satisfied the conditions of, and utilized the exemption under subsection (1)(a)(ii)(A) or (B) of this section, following the initial exemption period or the extension period authorized in subsection (1)(c) of this section, the exemption period may be extended for an additional 12 years for projects that are within 18 months of expiration contingent on city or county approval. For the property to qualify for an extension under this subsection (6), the applicant must meet at a minimum the locally adopted requirements for the property to qualify for an exemption under subsection (1)(a)(ii)(B) of this section as applicable at the time of the extension application, and the applicant commits to renting or selling at least 20 percent of the multifamily housing units as affordable housing units for low-income households.

(b) The exemptions provided in (a)(i) through (iii) of this subsection do not include the value of land or nonhousing-related improvements not qualifying under this chapter.

(B) For twelve successive years beginning January 1st of the year immediately following the calendar year of issuance of the certificate, if the property otherwise qualifies for the exemption under this chapter and meets the conditions in this subsection (1)(a)(ii)(B). For the property to qualify for the twelve-year exemption under this subsection, the applicant must commit to renting or selling at least twenty percent of the multifamily housing units as affordable housing units to low and moderate-income households, and the property must satisfy that commitment and any additional affordability and income eligibility conditions adopted by the local government under this chapter. In the case of projects intended exclusively for owner occupancy, the minimum requirement of this subsection (1)(a)(ii)(B) may be satisfied solely through housing affordable to moderate-income households; or

(1)(a) The value of new housing construction, conversion, and rehabilitation improvements qualifying under this chapter is exempt from ad valorem property taxation, as follows:

276

912

S-18.1

339

136,347

90

161,594

2,446

15,311

427,323

36,299

6,452,709

12,279,774

457

107,002

67,712

Additions to the Bulk Delivery are permitted for 3years following closing

67,712

2,289

1,367

3,083

5,975

51,722

1,084,959

Certain requirements must be met before a small business corporation can elect federal S corporation status. A small business corporation elects federal S corporation status by filing federal Form 2553 (Election By a Small Business Corporation) with the Internal Revenue Service.

wo communities located in the California counties of SantaBarbara and Santa Cruz, which the Company does not consider its core markets

37,832

6,450,639

12,372,905

52,073

112,743

33,295

If the Issuer redeems the notes on or after February 1, 2023, the redemption price will be equal to 100% of the principal amount of the notes being redeemed plus accrued and unpaid interest thereon to, but excluding, the redemption date.

1,585,333

1.5%

Five percent of units, excluding Down Units, with no fewer than five units and nomore than 20 units, including a representative sample of all unit types includingvacant units.

25,000,000

$100,000,000

25,000,000

600,000

2.550%

Healthpeak has obtained indicative lender commitments for proposed new senior unsecured delayed draw term loans (the “Term Loan Facilities”) in an aggregate principal amount of up to $500 million, with initial stated maturities of 4.5 years (plus 1-year extension option at Healthpeak’s discretion) and 5 years, and an interest rate of adjusted SOFR plus 85 basis points based on Healthpeak’s current credit ratings. Healthpeak anticipates that the Term Loan Facilities will close in August 2022, subject to customary closing conditions, and fund during the fourth quarter 2022. Healthpeak intends to use the proceeds of the Term Loan Facilities for general corporate purposes, including to pay down existing and future short-term borrowings under its commercial paper program. On August 2, 2022, Healthpeak executed forward-starting swaps that matched the expected initial stated maturities of the Term Loan Facilities and fixed the interest rate at a blended 3.5%. The commitments in respect of the Term Loan Facilities and the terms and conditions thereof (including principal amounts, interest rates, and maturities) remain subject to the negotiation and execution of definitive loan documentation and market conditions.

You can apply credit certificates on alaskaair.com on flights operated by Alaska Airlines (flights 1-999, 1000-1999, 2000-2999, and 3300-3499).

2.550% Senior Notes due 2031

Section 4.09. Limitations on Incurrence of Debt.   (a)          Limitation on Total Outstanding Debt. The Issuer will not, and will not cause or permit any of its Subsidiaries to, incur any Debt (including, without limitation, Acquired Debt) if, immediately after giving effect to the incurrence of such Debt and the application of the proceeds therefrom on a pro forma basis, the aggregate principal amount of all outstanding Debt of the Issuer and its Subsidiaries (determined on a consolidated basis in accordance with GAAP) is greater than sixty five percent (65%) of the sum of (without duplication) (i) Total Assets as of the last day of the then most recently ended fiscal quarter for which financial statements are available and (ii) the aggregate purchase price of any real estate assets or mortgages receivable acquired, and the aggregate amount of any securities offering proceeds received (to the extent such proceeds were not used to acquire real estate assets or mortgages receivable or used to reduce Debt) in each case, by the Issuer or any of its Subsidiaries since the end of such fiscal quarter, including the proceeds obtained from the incurrence of such additional Debt, determined on a consolidated basis in accordance with GAAP.   (b)          Limitation on Secured Debt. The Issuer will not, and will not cause or permit any of its Subsidiaries to, incur any Debt (including, without limitation, Acquired Debt) secured by any Encumbrance on any property or assets of the Issuer or any of its Subsidiaries, whether owned on the date of this Indenture or thereafter acquired, if, immediately after giving effect to the incurrence of such Debt and the application of the proceeds therefrom on a pro forma basis, the aggregate principal amount (determined on a consolidated basis in accordance with GAAP) of all outstanding Debt of the Issuer and its Subsidiaries which is secured by any Encumbrance on any property or assets of the Issuer or any of its Subsidiaries is greater than forty percent (40%) of the sum of (without duplication) (i) Total Assets as of the last day of the then most recently ended fiscal quarter for which financial statements are available and (ii) the aggregate purchase price of any real estate assets or mortgages receivable acquired, and the aggregate amount of any securities offering proceeds received (to the extent such proceeds were not used to acquire real estate assets or mortgages receivable or used to reduce Debt), by the Issuer or any of its Subsidiaries since the end of such fiscal quarter, including the proceeds obtained from the incurrence of such additional Debt, determined on a consolidated basis in accordance with GAAP.   26 (c)         Ratio of Consolidated Income Available for Debt Service to the Annual Debt Service Charge. The Issuer will not, and will not cause or permit any of its Subsidiaries to, incur any Debt (including, without limitation, Acquired Debt) if the ratio of Consolidated Income Available for Debt Service to the Annual Debt Service Charge for the period consisting of the four consecutive fiscal quarters most recently ended prior to the date on which such additional Debt is to be incurred shall have been less than 1.5:1.0 on a pro forma basis after giving effect to the incurrence of such Debt and the application of the proceeds therefrom, and calculated on the assumption that (i) such Debt and any other Debt (including, without limitation, Acquired Debt) incurred by the Issuer or any of its Subsidiaries since the first day of such four quarter period had been incurred, and the application of the proceeds therefrom (including to repay or retire other Debt) had occurred, on the first day of such period, (ii) the repayment or retirement of any other Debt of the Issuer or any of its Subsidiaries since the first day of such four quarter period had occurred on the first day of such period (except that, in making such computation, the amount of Debt under any revolving credit facility, line of credit or similar facility shall be computed based upon the average daily balance of such Debt during such period), and (iii) in the case of any acquisition or disposition by the Issuer or any of its Subsidiaries of any asset or group of assets, in any such case with a fair market value (determined in good faith by the Guarantor’s Board of Directors) in excess of $1,000,000, since the first day of such four quarter period, whether by merger, stock purchase or sale or asset purchase or sale or otherwise, such acquisition or disposition had occurred as of the first day of such period with the appropriate adjustments with respect to such acquisition or disposition being included in such pro forma calculation. If the Debt giving rise to the need to make the foregoing calculation or any other Debt incurred after the first day of the relevant four quarter period bears interest at a floating rate then, for purposes of calculating the Annual Debt Service Charge, the interest rate on such Debt shall be computed on a pro forma basis as if the average rate which would have been in effect during the entire such four quarter period had been the applicable rate for the entire such period.   (d)      Maintenance of Unencumbered Total Asset Value. The Issuer, together with its Subsidiaries, will have at all times Total Unencumbered Assets of not less than one hundred and fifty percent (150%) of the aggregate principal amount of all outstanding Unsecured Debt of the Issuer and its Subsidiaries, determined on a consolidated basis in accordance with GAAP.

Voting against this action was James Bullard, who preferred at this meeting to raise the target range for the federal funds rate by 0.5 percentage point to 1/2 to 3/4 percent

We intend to use the net proceeds from this offering for identified and prospective land and operating asset acquisitions, Developer Capital Program investments, and for working capital and general corporate purposes, which may include the repayment of outstanding indebtedness under our commercial paper program, unsecured revolving credit facility and working capital credit facility, if any. General corporate purposes also may include the repayment of other indebtedness and selective development, redevelopment or acquisition of properties. Pending the application of such net proceeds, we may invest such net proceeds in interest-bearing accounts and short-term marketable securities. See “Use of Proceeds.”

We intend to use the net proceeds from this offering for identified and prospective land and operating asset acquisitions, Developer Capital Program investments, and for working capital and general corporate purposes, which may include the repayment of outstanding indebtedness under our commercial paper program, unsecured revolving credit facility and working capital credit facility, if any. General corporate purposes also may include the repayment of other indebtedness and selective development, redevelopment or acquisition of properties. Pending the application of such net proceeds, we may invest such net proceeds in interest-bearing accounts and short-term marketable securities. See “Use of Proceeds.”

Development Pipeline - September 30, 2020

Real Estate CommitmentsThe following table summarizes the Company's real estate commitment at December 31, 2020 ($ in thousands):Number of PropertiesInvestmentRemaining CommitmentJoint ventures:Preferred equity investments5 $179,387 $139,225 Real estate under development (1)3 550,863 14,000 Consolidated:Real estate under development (2)3 396,571 60,000  $1,126,821 $213,225 

Number of PropertiesInvestmentRemaining CommitmentJoint ventures:Preferred equity investments5 $179,387 $139,225 Real estate under development (1)3 550,863 14,000 Consolidated:Real estate under development (2)3 396,571 60,000  $1,126,821 $213,225 

As of December 31, 2020 and 2019, the Company had unsecured term loans outstanding of $550.0 million and $350.0 million, respectively, at an average interest rate of 1.7% and 2.7%, respectively. These loans are included in the line "Term loan - variable rate" in the table above, and as of December 31, 2020 and 2019, the carrying value, net of debt issuance costs, was $549.4 million and $349.2 million, respectively. $350.0 million of the term loan matures in February 2022 and $200.0 million of the term loan matures in April 2021 with two 12-month extension options, exercisable at the Company’s option. The Company had entered into five interest rate swap contracts, for a term of five years with a notional amount totaling $175.0 million, which will effectively convert the interest rate on $175.0 million of the term loan to a fixed rate of 2.3%. These interest rate swaps are accounted for as cash flow hedges.

In August 2020, the Operating Partnership issued $600.0 million of senior unsecured notes, consisting of $300.0 million aggregate principal amount due on January 15, 2031 with a coupon rate of 1.650% (the “2031 Notes”) and $300.0 million aggregate principal amount due on September 1, 2050 with a coupon rate of 2.650% (the “2050 Notes” and together with the 2031 Notes, the “Notes”). The 2031 Notes were offered to investors at a price of 99.035% of par value and the 2050 Notes at 99.691% of par value. Interest is payable on the 2031 Notes semiannually on January 15 and July 15 of each year, beginning on January 15, 2021. Interest is payable on the 2050 Notes semiannually on March 1 and September 1 of each year, beginning on March 1, 2021. The Notes are general unsecured senior obligations of the Operating Partnership, rank equally in right of payment with all other senior unsecured indebtedness of the Operating Partnership and are unconditionally guaranteed by Essex. The Company used the net proceeds of this offering to repay debt maturities, including certain unsecured private placement notes, secured mortgage notes, and to fund the redemption of $300.0 million aggregate principal amount ofits outstanding 3.625% senior unsecured notes due August 2022, and for other general corporate and working capital purposes. These bonds are included in the line "Bonds public offering-fixed rate" in the table above, and as of December 31, 2020, the carrying value of the 2031 Notes and 2050 Notes, net of discount and debt issuance costs was $294.5 million and $295.7 million, respectively.

$74,412

1,032

42,804

12,997,873

6,786,699

341,257

191,829

341,25

48,420

43,180

(49,910)

(42,897)

5,014

10,187

52% 5,465 $ 1,792,073 $ 1,159,131 $ 138,745 2.2% 3.5 $ 22,929 $ 66,614 BEXAEW, BEX II, BEX III, BEX IV, and 500 Folsom 50% 3,083 1,233,596 520,548 273,557 2.5% 9.4 (3) 12,924 39,385 Other 46%

51,531

42,662

(44,480)

100,000

12,788,641

183,140

1,068,960

7,091

6,624,044

5,350,000

15

60,952

435,187

12,712

125,002

6,624,044

520,548

89,250

257,762

1,159,131

1.50%

We expect the net proceeds from the sale of the notes in this offering will be approximately $493.6 million, after deducting the underwriting discount and estimated offering expenses payable by us. We intend to use the net proceeds from this offering for general corporate purposes, which may include repurchasing or redeeming some or all of the outstanding 3.250% Senior Notes due 2023. See “Use of Proceeds.”

We expect to receive net proceeds from this offering of approximately $395.2 million, after estimated expenses and underwriters’ discounts.  We intend to use the net proceeds from the sale of the notes to pay down all amounts outstanding under our Revolving Credit Facility, with any remaining proceeds to be used to redeem our outstanding 4.25% senior notes due 2023 (the “2023 Notes”), of which approximately $188.8 million were outstanding as of June 30, 2021, and for other general corporate purposes, including acquisitions we may identify in the future.