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BORROWER'S STATEMENT: The family or individual(s) named in Section 1 of this Income
Certification is (are) eligible under the provisions of the Regulatory Agreement and Declaration of
Restrictive Covenants dated as of July 1, 2026 (the "Regulatory Agreement"), by and among Stuart Gardens
Housing Partners, LP (the "Borrower"), the Newport News Redevelopment and Housing Authority (the
"Issuer") and U.S. Bank Trust Company, National Association, as trustee (the "Trustee"), to live in a unit
in the Project, as defined in the Regulatory Agreement, and the anticipated annual income from paragraph 6
and, if applicable, from paragraph 7 will be $___________. In determining whether an individual or a
family qualifies as a "lower-income" tenant, appropriate adjustments for the size of the family have been
made. Thus, the family or individual(s):
constitutes a Lower-Income Tenant.
Does not constitute a Lower-Income Tenant.
Signature of Borrower's Authorized Agent Date
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