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(f) The right to request alternative dispute resolution with a neutral third parry <br />pursuant to Article 3 (commencing at Civil Code section 5925) of Chapter 10 of the Davis -Stirling Act before <br />the Association may initiate foreclosure against the Owner's Lot, except that binding arbitration shall not be <br />available if the Association intends to initiate a judicial foreclosure. <br />(ii) Any payments made by the Lot Owner toward the delinquent assessment shall first <br />be applied to the assessments owed; and only after the assessments owed are paid in full shall the payments <br />be applied to the fees and the costs of collection, attorneys' fees, late charges or interest. When an Owner <br />makes a payment, the Owner may request a receipt and the Association shall provide it. The receipt shall <br />indicate the date of payment and the Person who received it. The Association shall provide a mailing address <br />for overnight payment of assessments. <br />(iii) Prior to recording a lien for delinquent assessments, the Association shall offer the <br />Owner and, if so requested by the Owner, participate in dispute resolution pursuant to the Association's "meet <br />and confer" program required in Article 2 (commencing at Civil Code section 5900) of Chapter 10 of the <br />Davis -Stirling Act. <br />Prior to initiating a foreclosure for delinquent assessments, the Association shall offer the Owner and, <br />if so requested by the Owner, shall participate in dispute resolution pursuant to the Association's "meet and <br />confer" program required in Article 2 (commencing at Civil Code section 5900) of Chapter 10 of the Davis - <br />Stirling Act or alternative dispute resolution with a neutral third party pursuant to Article 3 (commencing at <br />Civil Code section 5925) of Chapter 10 of the Davis -Stirling Act. The decision to pursue dispute resolution or <br />a particular type of alternative dispute resolution shall be the choice of the Owner, except that binding <br />arbitration shall not be available if the Association intends to initiate a judicial foreclosure. <br />(iv) The decision to record a lien for delinquent assessments shall be made only by the <br />Board and may not be delegated to an agent of the Association. The Board shall approve the decision by a <br />majority vote of the Board members in an open meeting. The Board shall record the vote in the minutes of <br />that meeting. <br />(v) An Owner may submit a written request to meet with the Board to discuss a payment <br />plan for the delinquent assessment. The Association shall provide the Owners the standards for payment <br />plans if any exist. The Board shall meet with the Owner in executive session within forty-five (45) days of the <br />postmark of the request if the request is mailed within fifteen (15) days of the date of the postmark of the <br />Delinquency Notice unless there is no regularly -scheduled Board meeting within that period, in which case the <br />Board may designate a committee of one or more Members to meet with the Owner. Payment plans may <br />incorporate any assessments that accrue during the payment plan period. Payment plans shall not impede an <br />Association's ability to record a lien on the Owner's Lot to secure payment of delinquent assessments. <br />Additional late fees shall not accrue during the payment plan period if the Owner is in compliance with the <br />terms of the payment plan. In the event of a default on any payment plan, the Association may resume its <br />efforts to collect the delinquent assessments from the time prior to entering into the payment plan. <br />(vi) The amount of the assessment, plus any costs of collection, late charges, and <br />interest assessed in accordance with Section 6.8, shall be a lien on the Owner's Lot from and after the time <br />the Association causes to be recorded with the county recorder of the county in which the Lot is located a <br />notice of delinquent assessment, which shall state the amount of the assessment and other sums imposed in <br />accordance with Civil Code section 5650(b), a legal description of the Owner's interest in the Development <br />against which the assessment and other sums are levied, and the name of the record owner of the Owner's <br />interest in the Development against which the lien is imposed. The itemized statement of the charges owed <br />by the Owner described in Section 6.10.2(i)(b) shall be recorded together with a notice of delinquent <br />assessment. In orderforthe lien to be enforced by nonjudicial foreclosure as provided in Civil Code sections <br />5700 to 5710, inclusive, the notice of delinquent assessment shall state the name and address of the trustee <br />authorized by the Association to enforce the lien by sale. The notice of delinquent assessment shall be <br />signed by any officer of the Association or by the Person designated by the Association for that purpose. A <br />copy of the recorded notice of delinquent assessment shall be mailed by certified mail to everyperson whose <br />name is shown as an Owner in the Association's records, and the notice shall be mailed no later than ten (10) <br />EDNB\53295\996553.3 25 August 18, 2016 <br />