Loading...
2020-09 Holly Center TIF District HRA RESOLUTION NO. 2020 - 09 A RESOLUTION MODIFYING THE REDEVELOPMENT PLAN FOR REDEVELOPMENT PROJECT NO. 1 AND THE TAX INCREMENT FINANCING PLANS FOR TAX INCREMENT FINANCING DISTRICTS NOS. 6, 11-13 AND 17-24 TO REFLECT INCREASED PROJECT COSTS AND INCREASED BONDING AUTHORITY WITHIN REDEVELOPMENT PROJECT NO. 1, CREATING TAX INCREMENT FINANCING DISTRICT NO. 25 AND ADOPTING A TAX INCREMENT FINANCING PLAN RELATING THERETO. BE IT RESOLVED by the Board of Commissioners (the "Commissioners") of the Housing and Redevelopment Authority in and for the City of Fridley, Minnesota (the "Authority"), as follows: Section 1. Recitals. 1.01. It has been proposed that the Authority approve and adopt the proposed modifications to its Redevelopment Plan for Redevelopment ect costs and increased bonding authority, pursuant to and in accordance with Minnesota Statutes, Sections 469.001 to 469.047, inclusive, as amended and supplemented from time to time. 1.02. It has been further proposed that the Authority approve and adopt the proposed modifications to the Tax Increment Financing Plans (the "Existing Plans") for Tax Increment Financing Districts Nos. 6, 11-13 and 17-24 (the "Existing Districts") reflecting increased project costs and increased bonding authority within the Project Area, pursuant to Minnesota Statutes, Section 469.174 through 469.1799, inclusive, as amended and supplemented from time to time. 1.03. It has been further proposed that the Authority approve the creation of proposed Tax Increment Financing District No Project Area and approve and adopt the proposed Tax Increment Financing Plan (the pursuant to and in accordance with Minnesota Statutes, Sections 469.174 to 469.1799, inclusive, as amended and supplemented from time to time. 1.04. The Authority has investigated the facts and has caused to be prepared with respect thereto, a modified Redevelopment Plan for the Project Area and modified Existing Plans for the Existing Districts reflecting increased project costs and increased bonding authority within the Project Area and Proposed Plans for the Proposed Districts, defining more precisely the property to be included the public costs to be incurred, and other matters relating thereto. 1.05. The Authority has performed all actions required by law to be performed prior to the approval and adoption of the modifications to the Redevelopment Plan and Existing HRA Resolution No. 2020 - 09 Plans and the approval and adoption of the Proposed Plan. 1.06. The Authority hereby determines that it is necessary and in the best interests of the City and the Authority at this time to approve and adopt the modifications to the Redevelopment Plan and Existing Plans, to create the Proposed District and to approve and adopt the Proposed Plan relating thereto. ection 2. Findings. S 2.01. The Authority hereby finds, determines and declares that the assistance to be provided through the adoption and implementation of the modified Redevelopment Plan, modified Plans and Proposed Plan (collecPla) is necessary to assure the development and redevelopment of the Project Area. 2.02. The Authority hereby finds, determines and declares that the Plans conform to the general plan for the development and redevelopment of the City as a whole in that they are consistent with the City's comprehensive plan. 2.03. The Authority finds, determines and declares that the Plans afford maximum opportunity consistent with the sound needs of the City as a whole for the development and redevelopment of the Project Area by private enterprise and it is contemplated that the development and redevelopment thereof will be carried out pursuant to redevelopment contracts with private developers. Section 3. Approvals and Adoptions. 3.01. The modifications to the Redevelopment Plan reflecting increased project costs and increased bonding authority within the Project Area are hereby approved and adopted by the Commissioners of the Authority and are forwarded to the Fridley City Council for public hearing, review and approval. 3.02. The modifications to the Ex isting Plans reflecting increased project costs and increased bonding authority within the Project Area are hereby approved and adopted by the Commissioners of the Authority and are forwarded to the Fridley City Council for public hearing, review and approval. 3.03. The creation of the Proposed District within the Project Area and the adoption of the Proposed Plan relating thereto are hereby approved and adopted by the Commissioners of the Authority and are forwarded to the Fridley City Council for public hearing, review and approval. 2 HRA Resolution No. Section 4. Filing of Plan. 4.01. Upon approval and adoption of the Plan, the Authority shall cause said Plan to be filed with the Minnesota Department of Revenue, the Office of the State Auditor and Anoka County. PASSED AND ADOPTED BY HOUSING AND REDEVELOPMENT AUTHORITY IN AND FOR THE CITY OF FRIDLEY THIS DAY OF , 2020. _____________________________________ WILLIAM HOLM- CHAIRPERSON ATTEST: ______________________________________ WEXECUTIVE DIRECTOR CERTIFICATION I, Wally Wysopal, Executive Director of the Housing and Redevelopment Authority in and for the City of Fridley, Minnesota, hereby certify that the foregoing is a true and correct copy of Resolution No. adopted by the Authority on the day of , 2020. 3 RESOLUTION NO. A RESOLUTION MODIFYING THE REDEVELOPMENT PLAN FOR REDEVELOPMENT PROJECT NO. 1 AND THE TAX INCREMENT FINANCING PLANS FOR TAX INCREMENT FINANCING DISTRICTS NOS. NOS. 6, 11-13 and 17-24 TO REFLECT INCREASED PROJECT COSTS AND INCREASED BONDING AUTHORITY WITHIN REDEVELOPMENT PROJECT NO. 1, CREATING TAX INCREMENT FINANCING DISTRICT NO. 25 AND ADOPTING A TAX INCREMENT FINANCING PLAN RELATING THERETO BE IT RESOLVED by the City Council (the "Council") of the City of Fridley, Minnesota (the "City"), as follows: Section 1. Recitals. 1.01. It has been proposed by the Housing and Redevelopment Authority (the "Authority") that the Council approve and adopt the proposed modifications to its Redevelopment Plan for Redevelopment Project No. 1 (the increased project costs and increased bonding authority, pursuant to and in accordance with Minnesota Statutes, Sections 469.001 to 469.047, inclusive, as amended and supplemented from time to time. 1.02. It has been further proposed by the Authority that the Council approve and adopt the proposed modifications to the Tax Increment Financing Plans (the "Existing Plans") for Tax Increment Financing Districts Nos. 6, 11-13 and 17-24 (the "Existing Districts") reflecting increased project costs and increased bonding authority within the Project Area, pursuant to Minnesota Statutes, Section 469.174 through 469.1799, inclusive, as amended and supplemented from time to time. 1.03. It has been further proposed by the Authority that the Council approve the creation of proposed Tax Increment proposed Tax Increment and in accordance with Minnesota Statutes. Section 469.174 to 469.1799, inclusive, as amended and supplemented from time to time. 1.04. The Authority has caused to be prepared, and this Council has investigated the facts with respect thereto, a modified Redevelopment Plan for the Project Area and modified Existing Plans for the Existing Districts reflecting increased project costs and increased bonding authority within the Project Area and the Proposed Plan for the Proposed District, defining more precisely the property to be included, the public costs to be incurred, and other matters relating thereto. Page 2 - Resolution No. __________ 1.05. The Council has performed all actions required by law to be performed prior to the approval and adoption of the modifications to the Redevelopment Plan and Existing Plans and the approval and adoption of the Proposed Plan. 1.06. The Council hereby determines that it is necessary and in the best interests of the City and the Authority at this time to approve and adopt the modifications to the Redevelopment Plan and Existing Plans reflecting increased project costs and increased bonding authority within the Project Area, to create the Proposed District and to approve and adopt the Proposed Plan relating thereto. Section 2. General Findings. 2.01. The Council hereby finds, determines and declares that the assistance to be provided through the adoption and implementation of the modified Redevelopment Plan , modified Existing Plans and the Proposed Plan (co assure the development and redevelopment of the Project Area. 2.02. The Council hereby finds, determines and declares that the Plans conform to the general plan for the development and redevelopment of the City as a whole in that they are consistent with the City's comprehensive plan. 2.03. The Council hereby finds, determines and declares that the Plans afford maximum opportunity consistent with the sound needs of the City as a whole for the development and redevelopment of the Project Area by private enterprise and it is contemplated that the development and redevelopment thereof will be carried out pursuant to redevelopment contracts with private developers. 2.04. The Council hereby finds, determines and declares that the modification, approval and adoption of the Plans is intended and, in the judgment of this Council, its effect will be to promote the purposes and objectives specified in this Section 2 and otherwise promote certain public purposes and accomplish certain objectives as specified in the Plans. 2.05. The Council hereby finds, determines and declares that the City made the above findings stated in this Section 2 and has set forth the reasons and supporting facts for each determination in the Plans and Exhibit A to this Resolution. Section 3. Specific Findings for the Proposed District. 3.01. The Council hereby finds, determines and declares that the Proposed District Minnesota Statutes, Section defined in Minnesota Statutes, Section 469.174, Subd. 10. 2 Page 3 - Resolution No. __________ 3.02. The Council hereby finds, determines and declares that the proposed development or redevelopment in the Proposed District, in the opinion of this Council, would not reasonably be expected to occur solely through private investment within the reasonably foreseeable future and, therefore, the use of tax increment financing is deemed necessary. 3.03. The Council hereby finds, determines and declares that the increased market value of a project not receiving tax increment assistance would be less than the increased market value of a project receiving tax increment assistance after deducting the present value of projected tax increments for the maximum duration of the Proposed District. 3.04. The Council hereby finds, determines and declares that the expenditure of tax increment within the Proposed District serves primarily a public purpose. 3.05. The Council hereby finds, determines and declares that the City made the above findings stated in this Section 2 and has set forth the reasons and supporting facts for each determination in the Plans and Exhibit B to this Resolution. Section 4. Approvals and Adoptions. 4.01. The modifications to the Redevelopment Plan reflecting increased project costs and increased bonding authority within the Project Area are hereby approved and adopted by the Council of the City. 4.02. The modifications to the Existing Plans reflecting increased project costs and increased bonding authority within the Project Area are hereby approved and adopted by the Council of the City. 4.03. The creation of the Proposed District within the Project Area and the adoption of the Proposed Plan relating thereto is hereby approved by the Council of the City. Section 5. Filing of Plans. 5.01. Upon its approval and adoption of the Plans, the City shall request the Authority to cause said Plans to be filed with the Minnesota Department of Revenue, the Office of the State Auditor, and Anoka County. 3 Page 4 - Resolution No. __________ PASSED AND ADOPTED BY THE COUNCIL OF THE CITY THIS ______ DAY OF ____________________, 2020. ___________________________________ SCOTT LUND - MAYOR ATTEST: ___________________________ DANIEL TIENTER - CITY CLERK CERTIFICATION I, Daniel Tienter, the duly qualified Clerk of the City of Fridley, County of Anoka, Minnesota, hereby certify that the foregoing is a true and correct copy of Resolution No. __________ passed by the City Council on the ______ day of _______________, 2020. ___________________________________ DANIEL TIENTER - CITY CLERK 4 Page 5 - Resolution No. __________ The reasons and facts supporting the findings for the modification of the Plans for the Project Area, Existing Districts and Proposed District pursuant to Minnesota Statutes, Section 469.175, Subdivision 3, are as follows: 1. Finding that the assistance to be provided through the adoption and implementation of the Plans is necessary to assure the development and redevelopment of the Project Area. The tax increment assistance resulting from the implementation of the Plans is necessary for the proposed project to proceed. Please refer to Exhibit XXVII-D of the Proposed Plan. 2. Finding that the Plans conform to the general plan for the development and redevelopment of the City as a whole in that they are Comprehensive Plan. The Council has reviewed the Plans and has determined that they are consistent with the City's comprehensive plan. 3. Finding that the Plans afford maximum opportunity, consistent with the sound needs of the City as a whole, for the development and redevelopment of the Project Area by private enterprise, and it is contemplated that the development or redevelopment thereof will be carried out pursuant to development contracts with private developers. Please refer to the attached Exhibit B for specific information relating to the Proposed District. 4. Finding that the approval and adoption of the Plans is intended and, in the judgment of this Council, its effect will be to promote the public purposes and accomplish the objectives specified in the Plans. The tax increment that will be generated due to the approval and adoption of the Plans will assist in financing the public improvements and eligible expenses as detailed in the Plans. 5 Page 6 - Resolution No. __________ R THE REDEVELOPMENT DISTRICT In addition to the findings included in Exhibit A, the reasons and facts supporting the additional findings for the Proposed District pursuant to Minnesota Statutes, Section 469.175, Subdivision 3, are as follows: 1. Finding that the Proposed District is Minnesota Statutes. The Proposed District consists of three parcels totaling approximately 8.42 acres. Of this acreage, it has been determined that parcels comprising 100% of the Proposed District are occupied by buildings, streets, utilities, paved or gravel parking lots or similar structures. This 100% area coverage exceeds the 70% coverage test required by Minnesota Statutes, Section 469.174, Subdivision 10(1). Three of the three buildings located on one of the parcels have been determined to cause they contain defects in structural elements or a combination of deficiencies in essential utilities and facilities, light and ventilation, fire protection including adequate egress, layout and condition of interior partitions, or similar factors, which defects or deficiencies are of sufficient total significance to justify substantial renovation or clearance. These three buildings satisfy the requirements of Minnesota Statutes, Section 469.174, Subdivision 10(a) which requires that over 50% of buildings, not including outbuildings, mustturally subsAdditionally, these buildings would require expenditures of greater than 15% (of the cost of a new structure of similar size and type) to bring them into compliance with current building codes. It has further been determined that these conditions are reasonably distributed through the Proposed District. Information supporting these findings are on file at City Hall and are contained in a Report prepared for the City by LHB, Inc., dated June 25, 2020. 2. Finding that the proposed development or redevelopment, in the opinion of the Council, would not reasonably be expected to occur solely through private investment within the reasonably foreseeable future and, therefore, the use of tax increment financing is deemed necessary. Development activities proposed to occur in the Proposed District include land acquisition, demolition of buildings, remediation of the Site and construction of approximately 10,000 square feet of commercial retail/office space and 261 market-rate workforce rental housing units. Upon completion of the proposed redevelopment it is anticipat base will increase by approximately $31.5 million. City and HRA staff have reviewed the estimated development costs and the available methods of financing and have determined that tax increment assistance is necessary to 6 Page 7 - Resolution No. __________ make the redevelopment project economically feasible and to allow redevelopment to proceed at this time and in the foreseeable future. 3. Finding that the increased market value of a project not receiving tax increment financing assistance would be less than the increased market value of a project receiving tax increment financing assistance after deducting the present value of the projected tax increments for the maximum duration of the Proposed District. The original market value of the Proposed District is approximately $5,000,000. City staff has determined that without tax increment assistance these parcels would not be developed within the foreseeable future and that only minimal remodeling would probably occur. Therefore, if there was an increase in market value it would be minimal. City staff has further determined that with tax increment assistance it is possible to construct approximately 10,000 square feet of retail and 261 multi-family market rate workforce rental units with an estimated market value of approximately $36.5 million. After deducting the original market value of $5.0 million from the estimated market value of $36.5 million, City staff has further determined that the increased market value that could reasonably be expected to occur from a project receiving tax increment assistance would be approximately $31.5 million. City staff has further determined that the total amount of tax increment generated over the 26 year term of the Proposed District approximates $18.4 million. Assuming the same term and a present value rate of 4.0%, the present value of $18.4 million approximates $9.75 million. After deducting the present value of the tax increment ($9.75 million) from the increase in estimated market value occurring as a result of utilizing tax increment assistance ($31.5 million), the net increase in estimated market values approximates $21.75 million. City staff has further determined that the increased market value of the site that could reasonably be expected to occur without the use of tax increment financing ($0.0 million) is less than the increased market value of the site occurring with the use of tax increment financing after subtracting the present value of the projected tax increments for the maximum duration of the Proposed District ($21.75 million). Further information supporting this Finding is attached as Schedule 1. 4. Finding that expenditure of tax increment serves a primarily public purpose. The expenditure of tax increment is not intended as a private benefit and any such benefit is incidental. Public benefits resulting from the proposed project include (i) an increase in the State and City tax bases, (ii) the acquisition and redevelopment of property which is not now in its highest or best use, (iii) demolition and removal of an existing substandard and blighted structures, and (iv) remediation of contaminated property. SCHEDULE 1 TO EXHIBIT B 7 Page 8 - Resolution No. __________ ESTIMATED MARKET VALUE INCREASE FOR A DEVELOPMENT PROJECT WITHOUT TIF ASSISTANCE Without tax increment assistance there would be minimal, if any, increase in market value. Estimated Market Value ................................................................ $ 0.00 million Original Market Value .................................................................... $ 5.00 million Increased Market Value ................................................................ $ 0.00 million ESTIMATED MARKET VALUE INCREASE FOR A DEVELOPMENT PROJECT WITH TIF ASSISTANCE With tax increment assistance it is proposed that approximately 10,000 square feet of retail and 261 units of multi-family market rate workforce rental units will be constructed over three years. Estimated Market Value ................................................................ $ 36.50 million Original Market Value .................................................................... $ 5.00 million Increased Market Value ................................................................ $ 31.50 million Less: Present Value of the Tax Increment generated at 4.0% for the duration of the Proposed Proposed District ..................................... $ 9.75 million Net Increased Market Value .......................................................... $ 21.75 million 4849-8809-2873, v. 1 8 DRAFT: August 28, 2020 _________________________________________________________________ _________________________________________________________________ CONTRACT FOR PRIVATE REDEVELOPMENT By and Between the HOUSING AND REDEVELOPMENT AUTHORITY In and For THE CITY OF FRIDLEY, MINNESOTA And ROERS FRIDLEY APARTMENTS OWNER LLC _________________________________________________________________ _________________________________________________________________ This document was drafted by: James R. Casserly, Esq. Vickie Loher-Johnson, Esq. Monroe Moxness Berg PA 7760 France Avenue South Suite 700 Minneapolis, MN 55435 952-885-5999 TABLE OF CONTENTS Page ARTICLE I Definitions Section 1.1 Definitions 3 ARTICLE II Representations and Warranties Section 2.1 Representations and Covenants by the Authority 7 Section 2.2 Representations and Warranties and Covenants by the Redeveloper 8 ARTICLE III Conveyance of the HRA Redevelopment Property; Undertakings of Authority and Redeveloper Section 3.1 Conveyance of the Redevelopment Property 11 Section 3.2 Intentionally Omitted 13 Section 3.3 Conditions Precedent to Conveyance 14 Section 3.4 Documents at Closing 15 Section 3.5 Undertakings 16 Section 3.6 Environmental Undertakings 16 Section 3.7 Issuance of Note 17 Section 3.8 Business Subsidy Provisions 18 Section 3.9 Repayment of Assistance 18 ARTICLE IV Construction of Minimum Improvements Section 4.1 Construction of Minimum Improvements 20 Section 4.2 Completion of Construction 20 Section 4.3 Preliminary Plans and Construction Plans 20 Section 4.4 Certificate of Completion 21 ARTICLE V Insurance Section 5.1 Redeveloper Insurance 23 i ARTICLE VI Prohibitions Against Assignment and Transfer, Release or Indemnification Section 6.1 Representation as to Redevelopment 24 Section 6.2 Prohibition Against Transfer of Property and Assignment 24 of Agreement Section 6.3 Assignment of Note 24 Section 6.4 Release and Indemnification Covenants 25 ARTICLE VII Events of Default Section 7.1 Events of Default Defined 27 Section 7.2 Remedies on Default 28 Section 7.3 No Remedy Exclusive 28 Section 7.4 No Implied Waiver 28 Section 7.5 Agreement to Pay Attorney's Fees and Expenses 28 ARTICLE VIII Tax Increment; Taxes Section 8.1 Pledge of Tax Increment 29 Section 8.2 Right to Collect Delinquent Taxes 29 Section 8.3 Review of Taxes 29 Section 8.4 Petition to Reduce Tax 29 ARTICLE IX Additional Provisions Section 9.1 Conflict of Interest 30 Section 9.2 Restrictions on Use 30 Section 9.3 Provisions Not Merged With Deed 30 Section 9.4 Notices and Demands 30 Section 9.5 Counterparts 30 Section 9.6 Law Governing 30 Section 9.7 Expiration 31 Section 9.8 Termination 31 Section 9.9 Provisions Surviving Termination 31 SIGNATURES 32 ii SCHEDULE A Description of Redevelopment Property 34 SCHEDULE B Site Plan 35 SCHEDULE C Site Improvements 36 SCHEDULE D Public Improvements 37 SCHEDULE E Form of Note 38 SCHEDULE F Form of Certificate of Completion 42 SCHEDULE G Declaration of Restricted Covenants and Prohibition Against Tax Exemption 44 SCHEDULE H Form of Redevelopment Property Deed 46 SCHEDULE I Existing Environmental Reports 48 SCHEDULE J HRA Redevelopment Property 49 iii CONTRACT FOR PRIVATE REDEVELOPMENT THIS AGREEMENT, made on or as of the ___ day of _________, 2020 by and between the Housing and Redevelopment Authority in and for the City of Fridley, Minnesota, a political subdivision of the State of Minnesota organized under the Constitution and laws of the State of Minnesota (the "Authority"), and Roers Fridley Apartments Owner LLC, a Delaware limited liability company organized under the laws of the State of Delaware (the "Redeveloper"), WITNESSETH: WHEREAS, the Board of Commissioners (the "Board") of the Authority has determined that there is a need for development and redevelopment within the corporate limits of the City to provide employment opportunities; to provide adequate housing in the City, including low and moderate income housing, housing for the elderly and workforce housing; to improve the tax base; and to improve the general economy of the City and the State of Minnesota; WHEREAS, in furtherance of these objectives, the Authority has adopted, pursuant to Minnesota Statutes, Sections 469.001 et seq. (the "Act"), a development program known as the Modified Redevelopment Plan (the "Redevelopment Plan") and established Redevelopment Project No. 1 (the "Project Area") in the City to encourage and provide maximum opportunity for private development and redevelopment of certain property in the City which is not now in its highest and best use; WHEREAS, in connection with the Project Area, Tax Increment Financing District been approved by the Authority and forwarded to the City along with the Tax Increment Financing Plan, which Tax Increment Financing Plan is to be certified by Anoka County and filed with the State, pursuant to the Minnesota Tax Increment Financing Act contained in Minnesota Statutes, Sections 469.174 to 469.1799; WHEREAS, major objectives in establishing the Project Area are to: 1. Promote and secure the prompt redevelopment of certain property in the Project Area, which property is not now in its highest and best use in a manner consistent with the City's Comprehensive Plan and with a minimum adverse impact on the environment, and thereby promote and secure the redevelopment of other land in the City. 2. Provide additional employment opportunities within the Project Area and the City for residents of the City and the surrounding area, thereby improving living standards, reducing unemployment and the loss of skilled and unskilled labor and other human resources in the City. 1 3. Prevent the deterioration and secure the increase of commercial/industrial property subject to taxation by the City, the Independent School Districts, Anoka County, and the other taxing jurisdictions in order to better enable such entities to pay for governmental services and programs required to be provided by them. 4. Provide for the financing and construction for public improvements in and adjacent to the Project Area necessary for the orderly and beneficial redevelopment of the Project Area and adjacent areas of the City. 5. Promote the concentration of new desirable industrial, office, housing and other appropriate redevelopment in the Project Area so as to maintain the area in a manner compatible with its accessibility and prominence in the City. 6. Encourage local business expansion, improvement, and redevelopment, whenever possible. 7. Create a desirable and unique character within the Project Area through quality land use alternatives and design quality in new or remodeled buildings. 8. Encourage and provide maximum opportunity for private redevelopment of existing areas and structures which are compatible with the Project Area; and WHEREAS, in order to achieve the objectives of the Authority and City in creating the Project Area and adopting the Redevelopment Plan, the Authority is prepared to provide financial and other assistance to the Redeveloper in accordance with this Agreement; and WHEREAS, the Authority believes that the development and redevelopment of the Redevelopment Property pursuant to this Agreement, and fulfillment generally of the terms of this Agreement, are in the vital and best interests of the Authority and the health, safety, morals and welfare of its residents, and in accord with the public purposes and provisions of applicable federal, state and local laws under which the development and redevelopment are being undertaken and assisted; NOW, THEREFORE, in consideration of the promises and the mutual obligations of the parties hereto, each of them does hereby covenant and agree with the other as follows: 2 ARTICLE I Definitions Section 1.1 Definitions. In this Agreement, unless a different meaning clearly appears from the context: "Act" means Minnesota Statutes, Section 469.001 et seq. "Agreement" means this Agreement, as the same may be from time to time modified, amended, or supplemented. "Authority" means the Housing and Redevelopment Authority in and for the City of Fridley, Minnesota. of the Tax Increment from the Tax Increment District. "Certificate of Completion" means the certification, in the form of the certificate contained in Schedule F attached to and made a part of this Agreement, provided to the Redeveloper, pursuant to Section 4.4 of this Agreement. "City" means the City of Fridley, Minnesota. Property is conveyed by the Authority to the Redeveloper pursuant to Article III. "Construction Plans" means the plans, specifications, drawings and related documents on the construction work to be performed by the Redeveloper on the Redevelopment Property which (a) shall be as detailed as the plans, specifications, drawings and related documents which are submitted to the building inspector or the City, and (b) shall include at least the following for each building: (1) site plan; (2) foundation plan; (3) floor plan for each floor; (4) cross sections of each (length and width); (5) elevations (all sides, except as to a side of existing structure where no construction is to take place); (6) facade and landscape plan; and (7) such other plans of supplements to the foregoing plans as the City may reasonably request. "Council" means the Council of the City. "County" means the County of Anoka, Minnesota. means those restrictive covenants substantially in the form of Schedule G attached to this Agreement. 3 the plan approved by the MPCA to protect the public health, welfare and environment in accordance with Minnesota Statutes, Section 469.179, Subdivision 17 and the applicable statutes for the MPCA. ublic Improvements, Site Improvements, Relocation Costs and any other cost eligible for payment under the Tax Increment Act. Interest paid to banks that financed Eligible Costs is an Eligible Cost. the Redeveloper described in Section 7.1. of this Agreement. those environmental reports related to the Redevelopment Property, which reports are listed on Schedule I attached hereto. he real property described on Schedule J attached to this Agreement. "Minimum Improvements" means the commercial and housing improvements to be constructed by the Redeveloper on the Redevelopment Property as shown on the Site Plan and include approximately 261 workforce income rental housing units (the approximately 10,000 square feet of Minimum Improvements may be constructed subsequent to the Housing Minimum Improvements. The product mix and square feet are estimates and subject to change as necessary to comply with Council and Planning Commission requirements, or an approved DRAP. "Minnesota Environmental Policy Act" means the statutes located at Minnesota Statutes, Sections 116D.01 et seq., as amended. Pollution Control Agency. "National Environmental Policy Act" means the federal law located at 42 U.S.C. Sub. Sect. 4331 et seq., as amended. to this Agreement. "Note" means the Limited Revenue Tax Increment Note substantially in the form of Schedule E attached to this Agreement, and to be made by the Authority payable to the order of the Redeveloper or its permitted assigns in accordance with the terms of this Agreement. , the Public Improvements and the Minimum Improvements. 4 "Project Area" means Redevelopment Project No. 1, as amended, as established in accordance with the Act. eans the public improvements to be performed or constructed by the Redeveloper on or adjacent to the Redevelopment Property and described on Schedule D to attached to this Agreement. able by the Redeveloper for the HRA Redevelopment Property, as set forth in Section 3.1(d) of this Agreement. st of the second year following full valuation of the Housing Minimum Improvements. "Redeveloper" means Roers Fridley Apartments Owner LLC, a limited liability company organized under the laws of the State of Delaware and its permitted successors and assigns. "Redevelopment Plan" means the modified redevelopment plan adopted by the Authority for its Redevelopment Project No. 1, as amended. "Redevelopment Project" means the Redevelopment Property and the Minimum Improvements. "Redevelopment Property" means the real property described in Schedule A of this Agreement. a quit claim deed of the HRA Redevelopment Property, substantially in the form of Schedule H attached hereto. relocation services, benefits, and other costs to which owners, tenants, or others have claimed and are legally entitled to in accordance with State and Federal laws arising from the acquisition and redevelopment of the Redevelopment Property. "Site Improvements" means those improvements described on Schedule C attached to this Agreement as qualified improvements of the Redevelopment Property. ched hereto in Schedule B showing the proposed nature and location of the Minimum Improvements. "State" means the State of Minnesota. the real estate taxes paid with respect to the Redevelopment Property which is remitted to the Authority by the County as tax increment from the Tax Increment District pursuant to the Tax Increment Act. 5 x Increment Financing Act, Minnesota Statutes, Sections 469.174 to 469.1799, as amended and as it may be amended. ement Financing District No. 25 which is located within the Project Area and has been approved by the Authority and forwarded to the City along with the Tax Increment Plan which is to be certified by the County and filed with the State. increment financing plan adopted by the Authority for its Tax Increment Financing District No. 25. "Termination Date" means the date defined in Section IX of this Agreement. "Unavoidable Delays" means delays which are the direct result of strikes or other labor troubles, delays which are the direct result of unforeseeable and unavoidable casualties to the Redevelopment Property, the Project, or the equipment used to construct the Redevelopment Project, delays which are the direct result of governmental actions, delays which are the direct result of judicial action commenced by third parties, delays which are the direct result of citizen opposition or action affecting this Agreement, environmental delays which are the direct result of the implementation of an environmental agency-approved work plan for remediation, delays which are the direct result of severe weather which prevents or delays construction of Minimum Improvements, acts of God, fire or other casualty to the Project, site conditions materially different from those revealed in any report or test provided to or obtained by the Redeveloper, or any other delays beyond the reasonable control of a Party, including, but not limited to, delays caused directly or indirectly by pandemic. Action Response Plan above. 6 ARTICLE II Representations and Warranties Section 2.1. Representations and Covenants by the Authority. The Authority makes the following representations as the basis for the undertaking on its part herein contained: (a) The Authority is a public body duly organized and existing under the laws of the State. Under the provisions of the Act, the Authority has the power to enter into this Agreement and carry out its obligations hereunder. This Agreement has been or will be duly authorized by all necessary action on the part of the Authority and has been duly executed and delivered by the Authority. The Authorit performance of this Agreement will not conflict with or result in a violation of any judgment, order, or decree of any court or government agency. This Agreement is a valid and binding obligation of the Authority and is enforceable against the Authority in accordance with its terms. There is no action, litigation, condemnation or proceeding of any kind pending or, to the best of the Authreatened which would have a material and adverse effect on the ability of the Authority to perform its obligations under this Agreement or against the Redevelopment Property, or any portion thereof. (b) The Authority has approved the Redevelopment Plan in accordance with the terms of the Act. (c) The Authority has approved the Tax Increment District pursuant to the Tax Increment Act. (d) The Authority, subject to Unavoidable Delays, and subject to the conditions precedent set forth herein, shall at Closing convey title to the HRA Redevelopment Property pursuant to Article III to the Redeveloper for the he Redevelopment Plan and this Agreement. (e) To assist the Redeveloper with the Eligible Costs in accordance with the Tax Increment Plan, Redevelopment Plan and this Agreement. The Authority proposes to make the Note payable to the Redeveloper in accordance with the provisions of this Agreement and to pledge Tax Increment generated by the Tax Increment District to the payment of the Note according to its terms. (f) The Authority will cooperate with the Redeveloper with respect to any litigation commenced by third parties in connection with this Agreement. (g) The Authority makes no representation, guarantee, or warranty, either express or implied, and hereby assumes no responsibility or liability as to the Redevelopment Property or its condition (regarding soils, pollutants, hazardous wastes or otherwise), except as described in Section 2.1(h). 7 (h) The Authority has no knowledge as to the presence of hazardous substances (as the same are described in the regulations promulgated under the Comprehensive Environmental Response, Compensation and Liability Act of 1980, as amended by the Superfund Amendments and Reauthorization Act of 1986, an/or in the environmental laws of the State of Minnesota, and specifically including petroleum and related hydrocarbons and their byproducts, asbestos, and polychlorinated biphenyls) in, on or under the Redevelopment Property, except (i) as may be expressly set forth in the reports described in Schedule I, copies of which shall have been or will be delivered by the Authority or its agents and consultants to the Redeveloper or (ii) as may be expressed in reports received subsequent to the date of this Agreement. (i) Within five (5) days after the execution of this Agreement, the Authority shall deliver, or shall cause its agents or consultants to deliver, to Redeveloper all information available to the Authority regarding the ownership and potential development of the Redevelopment Property, including, but not limited to, correspondence from the City or County, flood zones, deed restrictions, utility commitments, engineering plans, studies, soils reports, engineering reports, construction plans, subdivision plans and/or environmental reports. (j) No third party has an option to purchase, right of first refusal, right of first offer or other similar right with respect to all or a portion of the HRA Redevelopment Property and the Authority has not entered into any other contracts for the sale of all or any portion of the HRA Redevelopment Property with any third party. (k) The Authority is not aware of any methamphetamine production occurring on the HRA Redevelopment Property. This representation is intended to satisfy the requirements of Minn. Stat. § 152.0275, Subd. 2(m). s knowledge, information and belief: i. There are \[zero (0)\]"Wells," as defined in Minn. Stat. § 103I.005, Subd. 21, on the HRA Redevelopment Property. This representation is intended to satisfy the requirements of Minn. Stat. § 115.55, Subd. 6. ii. There are no individual sewage treatment systems at. § 115.55, Subd. 1, on the HRA Redevelopment Property. This representation is intended to satisfy the requirements of Minn. Stat. § 115.55, Subd. 6 Section 2.2. Representations, Warranties and Covenants by the Redeveloper. The Redeveloper represents and warrants that: (a) The Redeveloper is a limited liability company organized and existing under the laws of the State of Delaware, is authorized to transact business in the State, 8 and has duly authorized the execution of this Agreement and the performance of its obligations under this Agreement. None of the execution and delivery of this Agreement, the consummation of the transactions contemplated by this Agreement, or the fulfillment of or compliance with the terms and conditions of this Agreement is prevented, limited by or conflicts with the terms of any indebtedness, agreement or instrument of whatever nature to which the Redeveloper is now a party or by which it is bound. (b) Subject to the conditions contained in Article III below, the Redeveloper will purchase the HRA Redevelopment Property from the Authority pursuant to Article III and, in the event the HRA Redevelopment Property is conveyed to the Redeveloper, the Redeveloper will construct and maintain the Public Improvements and the Minimum Improvements in accordance with the terms of this Agreement and all applicable local, State and Federal laws and regulations (including, but not limited to, environmental, zoning, building code and public health laws and regulations). (c) As of the date of execution of this Agreement, the Redeveloper has received no notice or communication from any local, state or federal official that the anticipated activities of the Redeveloper with respect to the Redevelopment Property may be or will be in violation of any environmental law or regulation. (d) The Redeveloper will use commercially reasonable efforts to obtain, in a timely manner, all required permits, licenses and approvals, and will meet, in a timely manner, all requirements of all applicable local, state and federal laws and regulations which must be obtained or met before the Public Improvements and the Minimum Improvements may be lawfully constructed. (e) The Redeveloper shall pay the normal and customary City fees and expenses for the approval and construction of the Project including, but not limited to, bonding requirements, building permit fees, sewer accessibility charges (SAC), water accessibility charges (WAC) and park dedication fees. (f) Except as specifically set forth herein, the Redeveloper is purchasing the of the HRA Redevelopment Property and with the understanding that there is no warranty by the City that the HRA Redevelopment Property is fit for any particular purpose. (g) The Redeveloper agrees that it will reasonably cooperate with the Authority with respect to any litigation commenced by third parties in connection with this Agreement, including, but not limited to claims: (i) made against the Authority and associated with the formation and validity of the Tax Increment District; and (ii) made against the Authority for Relocation Costs. (h) The financing arrangements which the Redeveloper has obtained or will obtain to finance the acquisition of the Redevelopment Property and the construction of 9 the Public Improvements and the Minimum Improvements, will be sufficient to enable the Redeveloper to successfully complete the Public Improvements and the Minimum Improvements as contemplated in this Agreement. (i) Once acquired by the Redeveloper, the Redevelopment Property will not become exempt from the levy of ad valorem property taxes, or any statutorily authorized alternative, and any improvements of any kind constructed on the Redevelopment Property will similarly not become exempt before December 31, 2048. (j) The construction of the Minimum Improvements, in the opinion of the Redeveloper, would not reasonably be expected to occur solely through private investment within the reasonably foreseeable future without the use of tax increment financing provided by the City pursuant to this Agreement. (k) The Housing Minimum Improvements will not have income limits but are being marketed to those households at 80% of the area medium in the Reconciliation Date, the Redeveloper, at its expense, shall provide an analysis of unit rents, unit household income and percentages of AMI for the preceding calendar year. (Assuming full valuation of the Housing Minimum Improvements occurs on January 1, 2023, this analysis would be due March 1, 2025 for calendar year 2024.) (l) The Redeveloper shall not allow any use or occupancy of the Redevelopment Property or Minimum Improvements by a "Sexually Orientated Business" as defined in Ordinance No. 965 of the City's Code. (m) The Redeveloper agrees, notwithstanding the provisions of Article VI, that it will not assign, convey or lease (except as set forth in the next sentence) any interest of the Redevelopment Property or any portion thereof, or this Agreement or any portion thereof, to any tax-exempt entity under the U.S. Internal Revenue Code of 1986, as the same may be amended from time to time, without the prior written approval of the Authority. A lease of an interest or portion of the Redevelopment Property shall not be prohibited by this subparagraph unless it results in an exemption of the Redevelopment Property from ad valorem property taxes pursuant to subparagraph (i) above. (n) If valid claims for Relocation Costs arise as a result of the Redevelopment Project, the Redeveloper will pay, or obtain written relocation waivers in a form satisfactory to the Authority, regarding all Relocation Costs. Any Relocation Costs paid by the Redeveloper are reimbursable Eligible Costs. Without limit obligations under Section 6, the Redeveloper will indemnify, defend and hold harmless the Authority, the City, and their governing body members, employees, agents, and contractors from any and all claims for benefits or payments arising out of the relocation or displacement of any person from the Redevelopment Property as a result of the implementation of this Agreement. The costs associated with such indemnification shall at all times be excluded from the definition of Eligible Costs. The indemnification requirement set forth herein shall survive the Closing and the termination of this Agreement. Nothing in this Agreement is an acknowledgment by the Redeveloper or 10 the Authority that any Relocation Costs may be rightly claimed or due under applicable law. 11 ARTICLE III Conveyance of the HRA Redevelopment Property; Undertakings of Authority and Redeveloper Section 3.1. Conveyance of the Redevelopment Property. (a) Title. The Authority shall convey marketable title to and possession of the HRA Redevelopment Property to the Redeveloper under a quit claim deed in the form of the Redevelopment Property Deed contained in Schedule B. At its sole cost and expense, the Redeveloper shall obtain any title insurance and endorsements it deems necessary. At its expense, the Authority shall order and shall obtain within fifteen (15) days of the date of this Agreement a co B) issued by Commercial Partners Titl Redeveloper as the proposed owner-insured of the HRA Redevelopment Property in the removal of or endorsement over general exceptions by means of an extended coverage endorsement. The Commitment shall have a current date as its effective date and shall commit to insure marketable title to the HRA Redevelopment Property in the Redeveloper. Such insurance shall be fr unrecorded interests, rights of parties in possession or other exceptions customarily excluded from such insurance. The Commitment shall set forth all levied real estate and special assessments related to the HRA Redevelopment Property. The Commitment shall include such title policy endorsements as may be reasonably requested by the Redeveloper. The Commitment shall have attached copies of all instruments of record which create any easements or restrictions which are referred to in Schedule B of the Commitment. Within five (5) business days of receipt of the Commitment, Redeveloper shall order a Survey of the HRA Redevelopment Property. Should Redeveloper fail to order an updated Survey in a timely manner (a) Redeveloper shall have waived all survey objections, and the Authority shall not be required to execute a survey affidavit or similar affidavit in relation to the HRA Redevelopment Property for purposes of the waiver of any survey exception by Title; and (b) the fifteen (15) day time period for the issuance of title objections by the Redeveloper shall commence to run thirty-five (35) days from the date of this Agreement. The Redeveloper will be allowed fifteen business (15) days after receipt of the Commitment and Survey to make an examination thereof and to make any objections to the marketability of the title to the HRA Redevelopment Property, objections to be made by written notice or to be deemed waived. written objections, the Authority shall proceed in good faith and with all due diligence to attempt to cause the objections made by the Redeveloper to be cured, but Authority shall have no obligation to cure such objections. In the event that an objection is not resolved to the satisfaction of the Redeveloper, the Redeveloper shall have the options set forth in Section 3.1 (c) (i) or (ii), below. In no event shall Redeveloper object to the 12 terms and conditions of the Declaration of Restrictive Covenants and Prohibition Against Tax Exemption attached hereto as Schedule G, the form of which shall be recorded against the Redevelopment Property at or prior to Closing and the form of which shall be recorded prior to the recording of any financing documents associated with the Redevelopment Property, it being the understanding of the parties that the Redeveloper is at all times taking ownership of the HRA Redevelopment Property subject to the Declaration of Restrictive Covenants and Prohibition Against Tax Exemption, and that the Redevelopment Property as a whole will be subject to the Declaration of Restrictive Covenants and Prohibition against Tax Exemption. (b) Survey. The Redeveloper shall obt expense, any survey(s) or updated survey(s) necessary for the issuance of title insurance or as necessary to replat or reconvey the HRA Redevelopment Property (c) Title Not Marketable. If the title to the HRA Redevelopment Property is not marketable as evidenced by the Commitment and the Survey, together with any appropriate endorsements, and is not made so by the Closing Date, the Redeveloper may either: (i) Terminate this Agreement by giving written notice to the Authority, in which event this Agreement shall become null and void and neither party shall have any further rights or obligations hereunder, except those indemnification obligations which expressly survive such termination; or (ii) Elect to accept the title in its unmarketable or existing condition by giving written notice to the Authority of the waiver of such objections, and proceed to Closing. In the event that Redeveloper has not terminated this Agreement and thereafter proceeds to Closing, Redeveloper shall be deemed to have selected option (c)(ii) above. (d) Conveyance, Purchase Price and Closing. Subject to the terms of this Agreement, the Authority agrees to sell and the Redeveloper agrees to purchase the HRA Redevelopment Property for the Purchase Price. The Authority shall execute and deliver to the Redeveloper a Redevelopment Property Deed at Closing, which Redevelopment Property Deed shall be subject to the Declaration of Restrictive Covenants and Prohibition Against Tax Exemption in form set forth on Schedule G. The form of said Declaration of Restrictive Covenants and Prohibition Against Tax Exemption may be executed by the Authority and recorded at Closing prior to the delivery and recordation of the Redevelopment Property Deed. The conveyance of title the HRA Redevelopment Property pursuant to the Redevelopment Property Deed shall be subject to all of the conditions, covenants, restrictions and limitations imposed by this Agreement and the Redevelopment Property Deed. The Redeveloper shall promptly record the Redevelopment Property Deed. 13 Closing shall take place at the principal offices of the Title Company unless the parties mutually agree in writing that the Closing shall take place at another location. The Purchase Price shall be paid at Closing and shall be calculated to be equal to $7.64/square foot for property not subject to public easements. The Closing shall occur simultaneously with t of the Housing Minimum Improvements but no later than December 31, 2020. The Closing is at all times contingent upon the conditions precedent described in Section 3.3 being satisfied for the Authority and the Redeveloper. (e) Inspection. At the Redeveloper agents are hereby granted the right following execution of this Agreement until October and test the HRA Redevelopment Property. Any investigations, testing and/or inspections initiated by the Redeveloper shall be st and expense. After completing its investigation of the HRA Redevelopment Property, if Redeveloper elects to terminate this Agreement, Redeveloper shall return the HRA Redevelopment Property to substantially the same condition as existing prior to the investigations, testing and/or inspections; provided that Redeveloper shall not be responsible for any existing conditions on the Property that are discovered as a result of such investigations, testing and/or inspections. The Redeveloper shall hold the Indemnified Parties (as defined in Section 6.4) harmless from and shall indemnify the Indemnified Parties for any liability s agents entrance upon the Redevelopment Property or any liability resulting from the performance of any of the tests or inspections referred to in this Section; provided that Redeveloper shall not be responsible for any existing conditions on the Property that are discovered as a result of such investigations, testing and/or inspections. The indemnification requirements set forth herein shall survive the Closing and the termination of this Agreement. (f) Taxes; Special Assessments; Other Pro Rations. Real estate taxes due and payable prior to the year of Closing shall be paid by the Authority. Real estate taxes due and payable in the year of Closing shall be allocated between the parties based on their respective period of ownership in the year of Closing. Real estate taxes due and payable in the years subsequent to the Closing shall be paid by the Redeveloper. The Redeveloper shall pay all special assessments pending or levied as of the Closing Date. The Redeveloper shall pay all special assessments after the Closing Date. The Redeveloper shall bear all costs of recording the Redevelopment Property Deed except as set forth below. The Redeveloper shall pay the State tax due in connection with conveyance of the Redevelopment Property and shall pay the cost of recording any document necessary to place title in the condition described in this Agreement. The Redeveloper shall pay all other recording costs incurred in connection with this Agreement. The parties shall equally share other closing costs. Each party shall pay all sums in cleared funds on the Closing Date. 14 (g) Plat; Covenants; Easements. The Redeveloper at its expense shall replat the Redevelopment Property. The Redeveloper shall pay all costs for plats, replats, lot splits, preparation of restrictive covenants, easements and any other documentation necessary for the construction and financing of the Minimum Improvements and all costs of recording any such documents. Section 3.2. Intentionally Omitted. Section 3.3. Conditions Precedent to Conveyance. (a) The obligation of the Authority to convey the HRA Redevelopment Property to the Redeveloper at Closing shall be subject to the following conditions precedent: (i) The Redeveloper shall be in material compliance with all of the terms and provisions of this Agreement; (ii) The Authority shall have approved the Preliminary Plans for the Project; (iii) The Redeveloper shall have paid the Purchase Price as described in Section 3.1; (iv) Intentionally Omitted. epresentations and warranties set forth in Section 2.2 shall be true as of the Closing Date and the Redeveloper shall so certify in writing at Closing. (vi) Redeveloper shall have executed the Declaration of Restrictive Covenants and Prohibition Against Tax Exemption in the form attached as Schedule G with regard to the Redevelopment Property for recordation in priority to any financing documents recorded against the Redevelopment Property. (vii) Redeveloper shall, concurrent with the Closing, close on the financing for the construction of the Minimum Improvements. (b) The obligation of the Redeveloper to purchase the HRA Redevelopment Property at Closing shall be subject to the following conditions precedent: (i) The environmental condition of the Redevelopment Property, not including any required soil corrections, shall be suitable for the construction of the Minimum Improvements and Redeveloper shall have received a No Association Determination from the Minnesota Pollution Control Agency, if applicable, based on the approved Response Action Plan if such a plan is necessary; 15 (ii) The Authority shall be in material compliance with all other terms and provisions of this Agreement; (iii) Title to the Redevelopment Property shall be acceptable to the Redeveloper; entations and warranties set forth in Section 2.1 shall be true as of the Date of Closing and the Authority shall so certify in writing at Closing; (v) No moratorium has been imposed upon the Redevelopment Property; (vi) The required permits, including, but not limited to building permits, have been issued for the Public Improvements and the Minimum Improvements; plat of the Redevelopment Property has been approved by the appropriate governmental authorities; (viii) Redeveloper has received executed easements for off-site utility, drainage, construction or other easements if required for the development of the Redevelopment Property; Plans have been approved by the City and any other appropriate governmental authorities, and significant architectural upgrades are not required to such Construction Plans; ans shall have been approved by the Authority. (c) In the event the aforementioned conditions precedent of the Authority or of the Redeveloper are not satisfied by the Closing Date (except as otherwise set forth hereinabove with respect to corporate approval deadline), the parties may, by mutual agreement, extend the Closing until the conditions precedent are satisfied. In the event the parties cannot reach such mutual agreement for such extension, this Agreement shall automatically terminate, and neither party shall have any further rights or obligations hereunder, except those indemnification obligations which expressly survive such termination. Section 3.4. Documents at Closing. (a) At Closing, the Authority shall deliver to the Redeveloper: (i) The Redevelopment Property Deed, 16 (ii) All certificates, instruments and other documents necessary to permit the recording of the Redevelopment Property Deed, properly executed on behalf of the Authority with respect to judgments, bankruptcies, tax liens, mechanics liens, parties in possession, unrecorded interests, encroachment or boundary line questions and related matters, subject at all times to the Survey, licate certificate of title to the Redevelopment Property. The Authority need not provide an abstract of title if the property is classified as abstract property, (v) An affidavit of the Authority in form and content satisfactory to the Redeveloper stating that meaning of Section 1445 of the Internal Revenue Code, and (vi) The certification as to representations and warranties described in Section 3.3(b)(iv). (vii) The executed Declaration of Restrictive Covenants and Prohibition Against Tax Exemption. (b) At Closing, the Redeveloper shall deliver to the Authority: (i) The Purchase Price in cleared funds, (ii) A Certificate of Real Estate Value, (iii) The certification as to representations and warranties described in Section 3.3(a)(v), and (iv) The executed Declaration of Restrictive Covenants and Prohibition Against Tax Exemption in the form attached as Schedule G with regard to the Redevelopment Property for recordation in priority to any financing documents recorded against the Redevelopment Property. Section 3.5. Undertakings. (a) The Redeveloper shall purchase the HRA Redevelopment Property and shall construct or cause to be constructed the Minimum Improvements and the Public Improvements in accordance with the terms of this Agreement. (b) The Authority shall convey the HRA Redevelopment Property and issue the Note in accordance with the terms of this Agreement. Section 3.6. Environmental Undertakings. 17 (a) The parties acknowledge that the Redeveloper will request for a VRAP providing for remediation of hazardous wastes and contaminants on the Redevelopment Property. Redeveloper shall promptly undertake remediation and any other actions required under a VRAP. (b) The Redeveloper acknowledges that the Authority makes no representations or warranties as to soil and environmental condition on the Redevelopment Property or the fitness of the Redevelopment Property for construction of the Minimum Improvements or any other purpose for which the Redeveloper may make use of such property, and that the assistance provided to the Redeveloper under this Agreement neither implies any responsibility by the Authority or the City for any contamination of the Redevelopment Property or poor soil conditions nor imposes any obligation on such parties to participate in any cleanup of the Redevelopment Property and or correction of any soil problems (other than the financing described in this agreement). (c) Without limiting its obligations under Section 9.9 of this Agreement the Redeveloper further agrees that it will indemnify, defend, and hold harmless the Authority, the City, and their governing body members, officers, and employees, from any claims or actions arising out of the presence, if any, of hazardous wastes or pollutants existing on or in the Redevelopment Property unless and to the extent that such hazardous wastes or pollutants are present as a result of the actions or omissions of the indemnities. Further, Redeveloper expressly agrees that the provisions of any VRAP are incorporated herein by reference. Nothing in this section will be construed to limit or affect any limitations on liability of the City or Authority under State or federal law, including without limitation Minnesota Statutes Sections 466.04 and 604.02. Section 3.7. Issuance of Note. (a) In order to reimburse the Redeveloper for Eligible Costs, the Authority shall issue and the Redeveloper shall purchase the Note. The terms of the Note, including maturity and payment dates, will be substantially those set forth in the form of the Note shown in Schedule E and as further described in this Section. The Note will be dated as of the date of delivery, and simple, non-compounded interest will accrue from such date. (b) Before issuance and delivery of the Note, Redeveloper must submit to the Authority a certificate signed by the Redeveloper's duly authorized representative, containing the following: (i) a statement that each cost identified in the certificate is an Eligible Cost, incurred after the date of this Agreement; (ii) evidence that each identified cost has been paid or incurred by or on behalf of the Redeveloper; (iii) a statement that no uncured Event of Default by the Redeveloper has occurred and is continuing under the Agreement. The Authority may, if not satisfied that the conditions described herein have been met, return the certificate with a statement of the reasons why it is not acceptable and requesting such further documentation or clarification as the Authority 18 may reasonably require. The Authority will deliver the Note upon receipt and approval of the certificate evidencing the relevant Eligible Costs in at least the principal amount of the Note less the adjustment described in this Section. (c) The Redeveloper understands and acknowledges that the Authority makes no representations or warranties regarding the amount of Available Tax Increment, or that revenues pledged to the Note will be sufficient to pay the principal and interest on any Note. Any estimates of Tax Increment prepared by the Authority or its financial advisors in connection with the TIF District or this Agreement are for the benefit of the Authority, and are not intended as representations on which the Redeveloper may rely. If the Eligible Costs exceed the principal amount of the Note, such excess costs are the sole responsibility of Redeveloper. (d) In addition to the limitations above, the following limitations shall apply to the issuance of the Note: (i) Only Available Tax Increment shall be pledged. (ii) The term of any Note may not extend more than 32 days beyond the duration of the Tax Increment District. (iii) Any amounts unpaid at the maturity date shall be deemed paid in full. (iv) Eligible costs paid by grants from any source are not to be included in the Note. (v) The Note will bear simple interest and the rate will be the lesser of (1) the rate for the long term or permanent financing of the Minimum Improvements, or (2) 4.0%. (vi) The principal amount of the Note shall be the certified Eligible Costs less the estimated market value of the land only (not existing building) of the Redevelopment Property (excluding the HRA Redevelopment Property) as determined by the County Assessor on January 1, 2020, but the principal amount shall not exceed $8,100,000.00. (vii) The Authority will not issue bonds to prepay the Note. (viii) The Housing Certificate of Completion shall have been issued. Section 3.8. Business Subsidy Provisions. (a) The Parties agree and understand that the assistance provided to Redeveloper in this Agreement (including any grant proceeds and issuance of the Note) does not constitute a "business subsidy" under the 19 Business Subsidy Act, because any grant and Note represent assistance that is exempt from the Business Subsidy Act under Sections 116J.993, Subdivision 3, clause (17). (b) Redeveloper acknowledges that under Section 116J.994, subdivision 7(c) of the Business Subsidy Act, the Redeveloper is nevertheless required to file annual reports containing the information described therein. If the Redeveloper fails to timely file any required report, the Authority will mail the Redeveloper a warning within one week after the required filing date. If, after 14 days of the postmarked date of the warning, the Redeveloper fails to provide a report, the Redeveloper must pay to the Authority a penalty of $100 for each subsequent day until the report is filed. The maximum aggregate penalty payable under this Section is $1,000. Section 3.9. Repayment of Assistance. (a) On the Reconciliation Date the Redeveloper shall deliver to the Authority evidence of its annualized cumulative internal rate of return from the Redevelopment Property and the Minimum Improvements relat calculated as of the Reconciliation Date. The IRR shall be calculated in accordance with generally accepted accounting principles, provided that excess of 7.0 percent (7%) of total development costs. The IRR calculation shall include the Eligible Costs paid by the Redeveloper and not reimbursed by grants or the Note. (b) The amount by which the IRR exceeds 12.0 percent (12%) is a Percentage shall be credited to the reduction of the principal plus accrued interest of the Note as of the Reconciliation Date. (c) For purposes of calculating revenues for the IRR from sales of property the following adjustments shall be made: (i) If property (improved or unimproved) is sold to an unrelated party in l be determinative of the sales price. The Redeveloper will certify to the City that such party would be considered unrelated under applicable Internal Revenue Code regulations. (ii) If property is sold to a related party (as defined in Internal Revenue Code regulations), the property sale price will be determined by agreement between the Authority and Redeveloper or, if agreement cannot be reached, the sale price will be the higher of an appraisal conducted by an appraiser mutually agreeable to the parties or the actual sale price. (iii) For property still owned by the Redeveloper on the Reconciliation ed on an appraisal, or other method acceptable to both parties for valuing the property or its rate of return, will be used. 20 ARTICLE IV Construction of Minimum Improvements Section 4.1. Construction of Minimum Improvements. Subject to the limitations set forth herein, the Redeveloper agrees that it will construct the Minimum Improvements on the Redevelopment Property in accordance with the Construction Plans approved by the City and the Site Plan. Section 4.2. Completion of Construction. Subject to Unavoidable Delays, the Parties anticipate the start of construction by December 31, 2020, and the substantial completion of the construction of the Housing Minimum Improvements by December 31, 2022. All work with respect to the Housing Minimum Improvements to be constructed or provided by the Redeveloper on the Redevelopment Property shall be in conformity with the Construction Plans and the Site Plan. The Redeveloper agrees for itself, its successors and assigns, and every successor in interest to the Redevelopment Property, or any part thereof, that the Redeveloper, and such successors and assigns, shall, subject to the limitations set forth in Section 4.1, diligently prosecute to completion the development of the Redevelopment Property through the construction of the Minimum Improvements thereon, and that such construction is anticipated to be completed within the period specified in this Section 4.2 of this Agreement. Section 4.3. Preliminary Plans and Construction Plans. (a) Preliminary Plans. Thirty (30) days prior to commencement of construction of the Minimum Improvements, the Redeveloper shall submit the Preliminary Plans to the Authority for approval. The Preliminary Plans shall not be inconsistent with this Agreement or any applicable state and local laws and regulations, insofar as said consistency may be determined at said preliminary stage. If approval of the Preliminary Plans is requested in writing by the Redeveloper at the time of submission thereof to the Authority, the Authority shall approve or reject (in whole or in part) such Preliminary Plans in writing within twenty (20) days after the date of receipt thereof. If no written rejection is made within said twenty (20) days, the Preliminary Plans shall be deemed approved by the Authority. Any rejection shall set forth in detail the reasons therefor. If the Authority rejects the Preliminary Plans, in whole or in part, the Redeveloper shall submit new or revised Preliminary Plans within a reasonable time after receipt by the Redeveloper of the notice of rejection. The provisions of this Section relating to approval, rejection and resubmission of new or revised Preliminary Plans shall continue to apply until the Preliminary Plans have been approved by the Authority. The e Preliminary Plans shall not be unreasonably withheld, conditioned or delayed, however if an Event of Default has occurred or is continuing, the Authority may withhold approval of the Preliminary Plans. 21 (b) Construction Plans. Prior to construction of the Minimum Improvements, the Redeveloper shall submit Construction Plans to the City. The Construction Plans shall provide for the construction of the Minimum Improvements and shall be in conformity in all material respects with this Agreement, the Preliminary Plans, and all applicable state and local laws and regulations. No approval by the Authority shall be deemed to relieve the Redeveloper of the obligation to comply with the terms of this Agreement and applicable federal, State and local laws, ordinances, rules and regulations, or to construct the Minimum Improvements in accordance therewith. No approval by the Authority shall constitute a waiver of any Event of Default. (c) Changes. If the Redeveloper desires to make any material change in the Preliminary Plans after their approval by the Authority, then the Redeveloper shall submit the proposed change to the Authority for its approval. If the Preliminary Plans, as modified by the proposed change, conform to the requirements of this Section with respect to such previously approved Plans, the Authority shall approve the proposed change and notify the Redeveloper in writing of its approval. Such change in the Preliminary Plans shall, in any event, be deemed approved by the Authority unless rejected in writing by the Authority, in whole or in part, within twenty (20) days after receipt of the notice of such change, setting forth in detail the reasons therefor. Section 4.4. Certificate of Completion. (a) Promptly after substantial completion of the Housing Minimum Improvements and Public Improvements in accordance with those provisions of the Agreement relating to the obligations of the Redeveloper to construct those Housing Minimum Improvements and Public Improvements, the Authority will furnish the Redeveloper with a Certificate of Completion associated with those improvements. Such certification by the Authority shall be (and it shall be so provided in the certification itself) a conclusive determination of satisfaction and termination of the agreements and covenants in the Agreement with respect to the obligations of the Redeveloper, and its successors and assigns, to construct the Housing Minimum Improvements and Public Improvements. (b) If the Authority shall refuse or fail to provide any certification in accordance with the provisions of this Section 4.4 of this Agreement, the Authority shall, within ten (10) days after written request by the Redeveloper, provide the Redeveloper with a written statement, indicating in adequate detail in what respects the Redeveloper has failed to complete the Minimum Improvements or Public Improvements in accordance with the provisions of the Agreement, or is otherwise in default, and what measures or acts it will be necessary, in the opinion of the Authority, for the Redeveloper to take or perform in order to obtain such certification. (c) The construction of the Housing or Commercial Minimum Improvements shall be deemed to be substantially completed when the Redeveloper has received the 22 appropriate occupancy permit from the City's building inspector, which permit shall not be unreasonably withheld. (d) The construction of the Public Improvements shall be deemed to be completed in accordance with the Redevel has accepted the Public Improvements in writing. 23 ARTICLE V Insurance Section 5.1. Redeveloper Insurance. (a) The Redeveloper will provide and maintain at all times during the process of constructing the Minimum Improvements and, from time to time at the request of the Authority, furnish the Authority with proof of payment of premiums on: equal to one hundred percent (100%) of the insurable value of the Minimum Improvements at the date of completion, and with coverage available in non-reporting form policy. The interest of the Authority shall be protected in accordance with a clause in form and content reasonably satisfacto risk policy shall be obtained for each of the single-family, owner-occupied homes constituting the Minimum Improvements at the time the Redeveloper receives a certificate of occupancy for each home; (ii) Comprehensive general liabili bodily injury and property damage of not less than $2,000,000 for each occurrence (to accomplish the above-required limits, an umbrella excess liability policy may be used); and rance, with statutory coverage. (b) All insurance required by this Article V shall be taken out and maintained in responsible insurance companies selected by the Redeveloper which are authorized under the laws of the State to assume the risks covered thereby. The Redeveloper will deposit annually with the Authority policies evidencing all such insurance, or a certificate(s) or binder(s) of the respective insurers stating that such insurance is in force and effect. Unless otherwise provided in this Article V, each policy shall contain a provision that the insurer shall not cancel or modify it without giving written notice to the Redeveloper and the Authority at least thirty (30) days before the cancellation or modification becomes effective. Not less than fifteen (15) days prior to the expiration of any policy, the Redeveloper shall furnish the Authority with evidence satisfactory to the Authority that the policy has been renewed or replaced by another policy conforming to the provisions of this Article V, or that there is no necessity therefor under the terms hereof. In lieu of separate policies, the Redeveloper may maintain a single policy, blanket or umbrella policies, or a combination thereof, having the coverage required herein, in which event the Redeveloper shall deposit with the Authority a certificate or certificates of the respective insurers as to the amount of coverage in force upon the Minimum Improvements. 24 ARTICLE VI Prohibitions Against Assignment and Transfer, Release or Indemnification Section 6.1. Representation as to Redevelopment. The Redeveloper represents and agrees that its purchase of the Redevelopment Property, and its other undertakings pursuant to this Agreement, are, and will be used, for the purpose of redevelopment of the Redevelopment Property and not for speculation in land holding. The Redeveloper further recognizes that, in view of (a) the importance of the redevelopment of the Redevelopment Property to the general welfare of the Authority, and (b) the substantial financing that has been made available by the Authority for the purpose of making such redevelopment possible, the qualifications and identity of the Redeveloper are of particular concern to the Authority. The Redeveloper further recognizes that it is because of such qualifications and identity that the Authority is entering into this Agreement with the Redeveloper, and, in so doing, is further willing to accept and rely on the obligations of the Redeveloper for the faithful performance of all undertakings and covenants hereby by it to be performed. Section 6.2. Prohibition Against Transfer of Property and Assignment of Agreement. Also, for the foregoing reasons the Redeveloper represents and agrees that prior to the date of the issuance of the Certificate of Completion, except for the purpose of obtaining financing necessary to enable the Redeveloper or any successor in interest to purchase the Redevelopment Property, or any part thereof, to perform its obligations with respect to making the Minimum Improvements under this Agreement, and any other purpose authorized by this Agreement, the Redeveloper has not made or created and will not make or create or suffer to be made or created any total or partial sale, assignment, conveyance, or lease, or any trust or power, or transfer in any other mode or form of or with respect to this Agreement or the Redevelopment Property or any part thereof or any interest therein, or any contract or agreement to do any of the same, without the prior written approval of the Authority which shall not be unreasonably withheld, unless the Redeveloper remains liable and bound by this Agreement in which event the Authority's approval is not required. Any such transfer shall be subject to the provisions of this Agreement. Notwithstanding the foregoing, the Redeveloper may transfer the Redevelopment Property to any corporation, partnership or entity controlling, controlled by, or under common control with the Redeveloper. Section 6.3. Assignment of Note. The Redeveloper may assign and pledge a Note to secure any loan secured by a portion of the Redevelopment Property, and may transfer a Note to any entity controlling, controlled by or under common control with the Redeveloper. Otherwise, the Note shall not be assignable nor transferable without the prior written consent of the Authority; provided, however, that such consent shall not be unreasonably withheld or delayed if: (a) the assignee or transferee delivers to the Authority a written instrument acknowledging the limited payment obligations under the Note, and (b) the assignee or transferee executes and delivers to the Authority a certificate, in form and substance satisfactory to the Authority, pursuant to which, among other things, such assignee or transferee represents that (i) 25 the Note is being acquired for investment account, not as a nominee or agent, and not with a view to the resale or distribution of any part thereof, (ii) the assignee or transferee has no present intention of selling, granting any participation in, or otherwise distributing the same, (iii) the assignee or Rule 501 of Regulation D under the Securities Act of 2033, as amended, (iv) the assignee or transferee, either atives, has knowledge and experience in financial and business matters and is capable of evaluating the merits and risks of the prospective investment in the Note and the assignee or transferee is able to bear the economic consequences thereof, (v) in making its decision to acquire the Note, the assignee or transferee has relied upon independent investigations and, to the extent believed by such assignee or transfere n professional, tax and other advisors, and has not relied upon any representation or warranty from the Authority or the City, or any of their officers, employees, agents, affiliates or representatives with respect to the value of the Note, (vi) neither the Authority nor the City has made any warranty, acknowledgment or covenant, in writing or otherwise, to the assignee or transferee regarding the tax consequences, if any, of the acquisition and investment in the Note, (vii) the assignee or transferee or its representatives have been given a full opportunity to examine all documents and to ask questions of, and to receive answers from, the Authority and its representatives concerning the terms of the Note and such other information as the assignee or transferee desires in order to evaluate the acquisition of and investment in the Note, and all such questions have been answered to the full satisfaction of the assignee or transferee, (viii) the assignee or transferee has evaluated the merits and risks of investment in the Note and has determined that the Note is a suitable investment for the assignee or transferee in light of su condition and prospects, (ix) the Note will be under the federal securities laws because the Note is being acquired in a transaction not involving a public offering and that under such laws and applicable regulations such security may not be resold without registration under the Securities Act of 1933, as amended, except in certain limited circumstances, and (x) no market for the Note exists or is intended to be developed. Section 6.4. Release and Indemnification Covenants. (a) The Redeveloper covenants and agrees that the City, the Authority and the governing body members, officers, agents, servants and employees of either of be liable for, and agrees to indemnify and hold harmless the Indemnified Parties against, any loss or damage to property or any injury to or death of any person occurring at or resulting from any defect in the Minimum Improvements, due to any act, including negligence, of the Redeveloper or of others acting on its behalf or under its direction or control; provided, however, that on obligations in this subparagraph (a) shall not apply to any loss resulting from negligent, willful or wanton misconduct of any of the Indemnified Parties. The costs associated with such indemnification shall at all times be excluded 26 from the definition of Eligible Costs. The indemnification requirement set forth herein shall survive the Closing and the termination of this Agreement. (b) The Redeveloper agrees to protect and defend the Indemnified Parties, now or forever, and further agrees to hold the Indemnified Parties harmless, from any claim, demand, suit, action or other proceeding by any person or entity arising or purportedly arising from this Agreement or the transactions contemplated hereby or the construction and ownership of the Minimum Improvements, due to any act, including negligence, of the Redeveloper or of others acting on the behalf or under the direction or control of the Redeveloper; provi indemnification obligations in this subparagraph (b) shall not apply to any loss resulting from any negligent or willful misrepresentation or any negligent, willful or wanton misconduct of any of the Indemnified Parties. The costs associated with such indemnification shall at all times be excluded from the definition of Eligible Costs. The indemnification requirement set forth herein shall survive the Closing and the termination of this Agreement. (c) None of the Indemnified Parties shall be liable for any damage or injury to the person or property of the Redeveloper or its officers, agents, servants or employees or any other person who may be on or about the Redevelopment Property or Minimum Improvements due to any act or negligence of any person, other than the negligence or misconduct of an Indemnified Party. (d) None of the Indemnified Parties shall be liable to the Redeveloper or to any third party for any consequential or other damages that may arise out of delays of any kind relating to activities undertaken pursuant to this Agreement, including but not limited to delays due to environmental conditions, court challenges or elements outside the control of the Authority. (e) All covenants, stipulations, promises, agreements and obligations of the Authority contained herein shall be deemed to be the covenants, stipulations, promises, agreements and obligations of the Authority and not of any governing body member, officer, agent, servant or employee of the Authority in the individual capacity thereof. (f) Nothing in this Section is intended to waive any municipal liability limitations contained in Minnesota Statutes, particularly Chapter 466. 27 ARTICLE VII Events of Default Section 7.1. Events of Default Defined. The following shall be "Events of Default" under this Agreement and the term "Event of Default" shall mean whenever it is used in this Agreement any one or more of the following events: (a) Failure by the Redeveloper to timely pay all ad valorem real property taxes assessed with respect to the Redevelopment Property. (b) Failure by the Redeveloper to complete the Site Improvements, Public Improvements or the Minimum Improvements pursuant to the terms, conditions and limitations of this Agreement. (c) Failure by the Redeveloper to submit to the Authority the documents required by Articles III and VI. (d) Failure by the Redeveloper to substantially observe or perform any other covenant, condition, obligation or agreement on its part to be observed or performed under this Agreement. (e) If, before the issuance of Certificate of Completion for the Minimum Improvements, the Redeveloper shall: (i) file any petition in bankruptcy or for any reorganization, arrangement, composition, readjustment, liquidation, dissolution, or similar relief under the United States Bankruptcy Act of 2078, as amended or under any similar federal or state law; or (ii) make an assignment for the benefit of its creditors; or (iii) admit in writing its inability to pay its debts generally as they become due; or (iv) be adjudicated as bankrupt or insolvent; or if a petition or answer proposing the adjudication of the Redeveloper, as bankrupt or its reorganization under any present or future federal bankruptcy act or any similar federal or state law shall be filed in any court and such petition or answer shall not be discharged or denied within ninety (90) days after the filing thereof; or a receiver, trustee or liquidator of the Redeveloper, or of the Minimum Improvements, or part thereof, shall be appointed in any proceeding brought against the Redeveloper, and shall not be discharged within ninety (90) days after such appointment, or if the Redeveloper shall consent to or acquiesce in such appointment. 28 Section 7.2. Remedies on Default. Whenever any Event of Default referred to in Section 7.1 occurs and is continuing, the Authority, as specified below, may take any one or more of the following actions after providing sixty (60) days' written notice to the Redeveloper, but only if the Event of Default has not been cured within said sixty (60) days, or such longer period as is necessitated by Unavoidable Delay. (a) The Authority may suspend its performance under this Agreement including payment of the Note until it receives assurances from the Redeveloper, deemed adequate by the Authority, that the Redeveloper has cured its default and will continue its performance under this Agreement. (b) The Authority may cancel and rescind the Agreement. (c) The Authority may withhold a Certificate of Completion. Section 7.3. No Remedy Exclusive. No remedy herein conferred upon or reserved to the Authority is intended to be exclusive of any other available remedy or remedies, but each and every such remedy shall be cumulative and shall be in addition to every other remedy given under this Agreement or now or hereafter existing at law or in equity or by statute. No delay or omission to exercise any right or power accruing upon any default shall impair any such right or power or shall be construed to be a waiver thereof, but any such right and power may be exercised from time to time and as often as may be deemed expedient. Section 7.4. No Implied Waiver. In the event any agreement contained in this Agreement should be breached by any party and thereafter waived by any other party, such waiver shall be limited to the particular breach so waived and shall not be deemed to waive any other concurrent, previous or subsequent breach hereunder. Section 7.5. Agreement to Pay Attorney's Fees and Expenses. Whenever any Event of Default occurs and the Authority shall employ attorneys or incur other expenses for the collection of payments due or to become due or for the enforcement or performance or observance of any obligation or agreement on the part of the Redeveloper herein contained, the Redeveloper agrees that it shall, on demand therefor, pay to the Authority the reasonable fees of such attorneys and such other expenses so incurred by the Authority. 29 Article VIII Tax Increment; Taxes Section 8.1. Pledge of Tax Increment. The Authority shall pledge the Tax Increments to the payment of the Note in accordance with the terms of this Agreement. Section 8.2. Right to Collect Delinquent Taxes. The Redeveloper acknowledges that the Authority is providing substantial aid and assistance in furtherance of the development through the issuance of the Note. The Redeveloper understands that the Tax Increment pledged to payment on the Note is derived from real estate taxes on the Redevelopment Property, which taxes must be promptly and timely paid. To that end, the Redeveloper agrees for itself, its successors and assigns, in addition to the obligation pursuant to statute to pay real estate taxes, it is also obligated by reason of this Agreement to pay before delinquency all real estate taxes assessed against the Redevelopment Property and the Minimum Improvements. The Redeveloper acknowledges that this obligation creates a contractual right on behalf of the Authority to sue the Redeveloper or its successors and assigns to collect delinquent real estate taxes and any penalty or interest thereon and to pay over the same as a tax payment to the county auditor. In any such suit, the Authority shall also be entitled to recover its costs, expenses and reasonable attorney fees. Section 8.3. Review of Taxes. The Redeveloper agrees that prior to the Termination Date it will not cause a reduction in the real property taxes paid in respect of the Redevelopment Property through willful destruction of the Redevelopment Property or any part thereof; provided that the foregoing restriction shall not apply to the existing improvements in the normal course of redeveloping the Redevelopment Property. Section 8.4 Petition to Reduce Tax. The Redeveloper may seek through petition or other means to have the County Asse Redevelopment Property reduced. Until the Note is fully paid, such activity must be preceded by written notice from the Redeveloper to the Authority indicating its intention to do so. Upon receiving such notice, or intentions, the Authority may suspend payments due under the Note until the actual amount of the reduction is determined, whereupon the Authority will make the suspended payments less any amount that the Authority is required to repay the County as a result, any reduction in the market value of the Redevelopment Property. During the period that the payments are subject to suspension, the Authority may make partial payments on the Note if it determines, in its sole and absolution discretion, that the amount retained will be sufficient to cover any repayment which the County may of payments on the Note pursuant to this Section shall not be considered a default under Article VII. 30 Article IX Additional Provisions Section 9.1. Conflict of Interest. No member, official, or employee of the Authority shall have any personal interest, direct or indirect, in the Agreement, nor shall any such member, official or employee participate in any decision relating to the Agreement which affects his personal interests or the interests of any corporation, partnership, or association in which he is, directly or indirectly, interested. Section 9.2. Restrictions on Use. The Redeveloper shall not, in marketing or sale of the Redevelopment Property, the Minimum Improvements, or any portion of the such real property or improvements, discriminate upon the basis of race, color, creed, sex or national origin or any other basis prohibited by applicable local, State or federal laws or regulations. Section 9.3. Provisions Not Merged With Deed. None of the provisions of this Agreement are intended to or shall be merged by reason of any deed transferring any interest in the Redevelopment Property and any such deed shall not be deemed to affect or impair the provisions and covenants of this Agreement. Section 9.4. Notices and Demands. Any notice, demand, or other communication permitted or required to be given hereunder by either party to the other shall be deemed given or delivered if it is dispatched by registered or certified mail, postage prepaid, return receipt requested, transmitted by facsimile, delivered by a recognized overnight carrier, or delivered personally to the following addresses: (a) If to the Redeveloper: Roers Fridley Apartments Owner LLC, 110 Cheshire Lane, Suite 120, Minnetonka, MN 55305, Attention: Shane LaFave and Brian Roers. With a copy to: Winthrop & Weinstine, P.A., 225 South Sixth Street, Suite 3500, Minneapolis, Minnesota 55402 Attention: Kevin McLain. (b) If to the Authority: Housing and Redevelopment Authority in and for the City of Fridley, Minnesota, 7071 University Avenue NE, Fridley, MN 55432, Attention: City Manager. Fax: (763) 571-1287. With a copy to: Monroe Moxness Berg PA, 7760 France Avenue South, Suite 700, Minneapolis, MN 55435-5844, Attention: James R. Casserly, Esq. Fax: (952) 885-5969. Section 9.5. Counterparts. This Agreement may be executed in any number of counterparts, each of which shall constitute one and the same instrument. 31 Section 9.6. Law Governing. This Agreement will be governed and construed in accordance with the laws of the State. Section 9.7. Expiration. This Agreement shall expire when the Note is paid in full. Section 9.8. Termination. This Agreement shall terminate on its expiration if it has not been terminated before such date pursuant to any provision hereof. Section 9.9. Provisions Surviving Termination. Termination of this Agreement shall not terminate any indemnification or other rights or remedies under this Agreement due to (i) any Event of Default which occurred and was continuing prior to such termination, or (ii) any cause of action which arose before the termination. In addition, termination of this Agreement shall not terminate any Declaration of Restrictive Covenants and Prohibition Against Tax Exemption which shall have been recorded against the Redevelopment Property at or prior to Closing. IN WITNESS WHEREOF, the Authority has caused this Agreement to be duly executed in its name and behalf and the Redeveloper has caused this Agreement to be duly executed on or as of the date first above written. (Signature pages follow) 32 Dated: _________________ HOUSING AND REDEVELOPMENT AUTHORITY IN AND FOR THE CITY OF FRIDLEY, MINNESOTA By: _____________________________________ Its: Chairperson By: _____________________________________ Its: Executive Director STATE OF MINNESOTA ) )ss COUNTY OF ANOKA ) On this _____ day of _______________, 20___ before me, a Notary Public, personally appeared _________________ and ___________ , to me personally known who by me duly sworn, did say that they are the Chairperson and Executive Director, respectively, of the Housing and Redevelopment Authority in and for the City of Fridley, Minnesota, a political subdivision of the State of Minnesota, and acknowledged the foregoing instrument on behalf of said Authority. ___________________________________ Notary Public Authority Signature Page - Contract for Private Redevelopment 33 Dated: _______________ ROERS FRIDLEY APARTMENTS OWNER LLC, a Delaware limited liability company By: Roers Fridley Apartments Manager LLC, a Minnesota limited liability company Its: Manager By: Roers Companies LLC, a Minnesota limited liability company Its: Manager By _______________________________ Brian J. Roers, Manager STATE OF MINNESOTA ) )ss COUNTY OF __________ ) On this _____ day of __________________, 2020, before me, a Notary Public, personally appeared Brian J. Roers, the Manager of Roers Companies LLC, a Minnesota limited liability company, the Manager of Roers Fridley Apartments Manager LLC, a Minnesota limited liability company, the Manager of Roers Fridley Apartments Owner LLC, a Delaware limited liability company, and acknowledged the foregoing instrument on behalf of said limited liability company. ___________________________________ Notary Public Redeveloper Signature Page - Contract for Private Redevelopment 34 SCHEDULE A DESCRIPTION OF REDEVELOPMENT PROPERTY PINS: 14-30-24-23-0092; 14-30-24-23-0094; and 14-30-24-23-0098 To be platted as Lots 1 and 2, Block 1 and ________ of the plat of ______________. 35 SCHEDULE B SITE PLAN 36 SCHEDULE C SITE IMPROVEMENTS Subject to reimbursement as Eligible Costs within the limitations set forth herein, the Redeveloper will construct and pay for all Site Improvements, including: Costs of Acquisition (excluding assessors market value of land as of 1/1/2020) Environmental remediation Site clearance Tenant relocation costs Landscaping and screening Trails and pedestrian improvements, including sidewalks Grading and import/export soil Retaining walls and fences Private streets Park improvements Storm sewers and storm water system elements Interest on financed eligible costs not to exceed 4.0% 37 SCHEDULE D PUBLIC IMPROVEMENTS Subject to reimbursement as Eligible Costs within the limitations set forth herein, the redeveloper will construct and pay for the following Public Improvements in accordance with City specifications and subject to approval by the City engineer. The parties will coordinate the installation of the Public Improvements in order to accommodate the timetable for construction of the Minimum Improvements. Upon completion of the Public Improvements in compliance with City specifications and acceptance by the City, the Public Improvements will become public property. City streets, curbs and gutters Public trails, sidewalks, pedestrian improvements 38 SCHEDULE E Form of Note US $ Fridley, Minnesota ___________, 20_ UNITED STATES OF AMERICA STATE OF MINNESOTA COUNTY OF ANOKA HOUSING AND REDEVELOPMENT AUTHORITY IN AND FOR THE CITY OF FRIDLEY, MINNESOTA LIMITED REVENUE TAX INCREMENT NOTE The Housing and Redevelopment Authority in and for the City of Fridley, Minnesota (the "Authority"), hereby acknowledges itself to be indebted and, for value received, promises to pay to the order of (the "Owner"), solely from the Available Tax Increment, to the extent and in the manner hereinafter defined, the principal amount of this Note, being Dollars and __/100 ($ ) (the "Principal Amount"), together with simple interest of percent (_____%) per annum commencing from the date of issuance of the Note and payable on the dates described below (the "Scheduled Payment Dates") and in the amounts as hereinafter defined (the "Scheduled Payments"). The Scheduled Payment Dates are August 1, 20__, and on the 1st day of February and August thereafter until and including February 1, 20__, unless earlier paid, in accordance with the terms of this Note. Upon 30 days' prior written notice from the Authority to the Owner, the Principal Amount is subject to prepayment at the option of the Authority in whole or in part at any time. Any payments on this Note shall be applied first to accrued interest and the balance to the reduction of principal. Each payment on this Note is payable in any coin or currency of the United States of America which on the date of such payment is legal tender for public and private debts and shall be made by check or draft made payable to the Owner and mailed to the Owner at its postal address within the United States which shall be designated from time to time by the Owner. The Note is a special and limited obligation and not a general obligation of the Authority, which has been issued by the Authority pursuant to and in full conformity with 39 the Constitution and laws of the State of Minnesota, including Minnesota Statutes, Section 469.178, subdivision 4, to aid in financing a project, as therein defined, of the Authority consisting generally of defraying certain public redevelopment costs incurred and to be incurred by the Authority within and for the benefit of its Redevelopment Project No. 1. THE NOTE IS NOT A GENERAL OBLIGATION OF THE AUTHORITY, THE E STATE OF MINNESOTA (THE "STATE"), AND NEITHER THE AUTHORITY, THE CITY, THE STATE NOR ANY POLITICAL SUBDIVISION THEREOF SHALL BE LIABLE ON THE NOTE, NOR SHALL THE NOTE BE PAYABLE OUT OF ANY FUNDS OR PROPERTIES OTHER THAN AVAILABLE TAX INCREMENT, AS DEFINED BELOW. The Scheduled Payment of this Note due on any Scheduled Payment Date is payable solely from and only to the extent that the Authority shall have received as of such Scheduled Payment Date the Available Tax Increment which is defined in the Contract for Private Redevelopment By and Between the Authority and the Owner dated the Note, shall have the meaning assigned to them in the Agreement. The Authority shall pay on each Scheduled Payment Date to the Owner the Available Tax Increment. On February 1, 20__, the maturity date of this Note, any unpaid portion shall be deemed to have been paid in full. This Note shall not be payable from or constitute a charge upon any funds of the Authority, and the Authority shall not be subject to any liability hereon or be deemed to have obligated itself to pay hereon from any funds except the Available Tax Increments, and then only to the extent and in the manner herein specified. The Owner shall never have or be deemed to have the right to compel any exercise of any taxing power of the Authority or of any other public body, and neither the Authority nor any director, commissioner, council member, board member, officer, employee or agent of the Authority, nor any person executing or registering this Note shall be liable personally hereon by reason of the issuance or registration hereof or otherwise. The Authority makes no representation or covenant, express or implied, that the revenues described herein will be sufficient to pay, in whole or in part, the amounts which are or may otherwise become due and payable hereunder. The Authority's payment obligations hereunder shall be further conditioned on the fact that there shall not at the time have occurred and be continuing an Event of Default under the Agreement, and, further, if pursuant to the occurrence of an Event of Default under the Agreement the Authority elects to terminate the Agreement, the Authority shall have no further debt or obligation under this Note whatsoever. Reference is hereby made to the provisions of the Agreement for a fuller statement of the obligations 40 of the Redeveloper and of the rights of the Authority thereunder, and said provisions are hereby incorporated by reference into this Note to the same extent as though set out in full herein. The execution and delivery of this Note by the Authority, and the acceptance thereof by the Redeveloper, as the initial Registered Owner hereof, shall conclusively establish this Note as the "Note" (and shall conclusively constitute discharge of the Authority's obligation to issue and deliver the same to the Redeveloper) under the Agreement. IT IS HEREBY CERTIFIED AND RECITED that all acts, conditions, and things required by the Constitution and laws of the State of Minnesota to be done, to have happened, and to be performed precedent to and in the issuance of this Note have been done, have happened, and have been performed in regular and due form, time, and manner as required by law; and that this Note, together with all other indebtedness of the Authority outstanding on the date hereof and on the date of its actual issuance and delivery, does not cause the indebtedness of the Authority to exceed any constitutional or statutory limitation thereon. IN WITNESS WHEREOF, the Board of Commissioners of the Housing and Redevelopment Authority in and for the City of Fridley, Minnesota, by its Commission Members, has caused this Note to be executed by the manual signatures of the Chair and the Executive Director of the Authority and has caused this Note to be dated _________________________, 20__. By _________________________ By ____________________________ Its Chair Its Executive Director 41 CERTIFICATE OF REGISTRATION It is hereby certified that the foregoing Note, as originally issued as of the ____ day of ______________, 20__, was on said date registered in the name of the Housing and Redevelopment Authority in and for the City of Fridley, Minnesota, a public body corporate and politic and that, at the request of said Registered Owner of this Note, the undersigned has this day registered this Note as to principal and interest on the Note in the name of such Registered Owner, as indicated in the registration blank below, on the books kept by the undersigned for such purposes. Name of Date of Signature of Registered Owner Registration Executive Director , ________, 20__ ________________ a 42 SCHEDULE F Form of Certificate of Completion WHEREAS, the Housing and Redevelopment Authority in and for the City of Fridley, Minnesota, a political subdivision of the State of Minnesota (the "Authority") and Roers Fridley Apartments Owner LLC, a Delaware limited liability company (the "Redeveloper") have entered into a Contract for Private Redevelopment (the "Agreement") dated as of _________________, regarding certain real property located in Tax Increment Financing District No. 25 in the City (hereinafter referred to and referred to in the Agreement as WHEREAS, the Agreement contains certain conditions and provisions requiring the Redeveloper to construct improvements upon the Redevelopment Property (hereinafter referred to and referred to in the Agreement as the "Minimum Improvements" which include Housing Minimum Improvements and Commercial Minimum Improvements), as well as WHEREAS, Section 4.4 of the Agreement requires the Authority to provide an appropriate instrument promptly after the substantial completion (as defined in the Agreement) of the Housing Minimum Improvements and the Public Improvements so certifying said substantial completion; NOW, THEREFORE, in compliance with said Section 4.4 of the Agreement, this is to certify that the Redeveloper has substantially completed the Housing Minimum Improvements and the Public Improvements in accordance with the conditions and provisions of the Agreement relating solely to the obligations of the Redeveloper to construct the Housing Minimum Improvements and the Public Improvements (including the dates for beginning and completion thereof), and this certification shall be a conclusive determination of satisfaction and termination of the agreements and covenants in the Agreement with respect to the obligations of the Redeveloper, and its successors and assigns, to construct the Housing Minimum Improvements and the Public Improvements, and the dates for the beginning and completion thereof. Dated: _______________, 20___. 43 Dated: _______________________ HOUSING AND REDEVELOPMENT AUTHORITY IN AND FOR THE CITY OF FRIDLEY, MINNESOTA By __________________________ Its Chairperson And by ___________________________ Its Executive Director STATE OF MINNESOTA ) ) ss COUNTY OF ANOKA ) On this _____ day of _______________, 20__ before me, a notary public within and for Anoka County, personally appeared _________________________ and _________________________ to me personally known who by me duly sworn, did say that they are the Chairperson and Executive Director of the Housing and Redevelopment Authority in and for the City of Fridley, Minnesota, a political subdivision of the State of Minnesota, and acknowledged the foregoing instrument on behalf of said Authority. Notary Public Authority Signature Page Certificate of Completion 44 SCHEDULE G Declaration of Restrictive Covenants and Prohibition Against Tax Exemption This Declaration is made and executed as of the _____ day of _______, 20__ by Roers Fridley Apartments Owner LLC, a Delaware limited liability company RECITALS A. Declarant is fee owner of the premises located in the County of Anoka, State of Minnesota described on Exhibit A attached B. The Housing and Redevelopment Authority in and for the City of Fridley, Minnesota, a political subdivision of the State of Minnesota entered into a Contract for Private Redevelopment dated as of _________________ he Redevelopment Agreement provides for certain assistance, financial and otherwise, to be provided by the Authority in connection with the construction of housing and commercial improvements by the Declarant on the Property. NOW, THEREFORE, in consideration of the foregoing, Declarant, for itself and its successors and assigns, does hereby declare that the Property shall be owned, used, occupied, sold and conveyed subject to the following covenants and restrictions: 1. No part of the Property shall become tax exempt from the levy of ad valorem property taxes, or any statutorily authorized alternative, until December 31, 2048. 2. The covenants and restrictions herein contained shall run with the title to the Property and shall be binding upon all present and future owners and occupants of the Property; provided, however, that the covenants and restrictions herein contained shall inure only to the benefit of the Authority and may be released or waived in whole or in part at any time, and from time to time, by the sole act of the Authority, and variances may be granted to the covenants and restrictions herein contained by the sole act of the Authority. These covenants and restrictions shall be enforceable only by the Authority, and only the Authority shall have the right to sue for and obtain an injunction, prohibitive or mandatory, to prevent the breach of the covenants and restrictions herein contained, or to enforce the performance or observance thereof. 3. The covenants and restrictions herein contained shall remain in effect until December 31, 2048 and thereafter shall be null and void. 4. If any one or more of the covenants or restrictions contained in this Declaration are held to be invalid or enforceable, the same shall in no way affect any of the other provisions of this Declaration, which shall remain in full force and effect. 45 ROERS FRIDLEY APARTMENTS OWNER LLC, a Delaware limited liability company By: Roers Fridley Apartments Manager LLC, a Minnesota limited liability company Its: Manager By: Roers Companies LLC, a Minnesota limited liability company Its: Manager By _______________________________ Brian J. Roers, Manager STATE OF MINNESOTA ) ) ss COUNTY OF __________ ) On this ______ day of __________________, 20____, before me, a notary public within and for ___________ County, personally appeared Brian J. Roers, to me personally known and who by me duly sworn, did say that he/she is the Manager of Roers Companies LLC, a Minnesota limited liability company, the Manager of Roers Fridley Apartments Manager LLC, a Minnesota limited liability company, the Manager of Roers Fridley Apartments Owner LLC, a Delaware limited liability company, and acknowledged the foregoing instrument on behalf of said limited liability company. ___________________________________ Notary Public 46 SCHEDULE H FORM OF REDEVELOPMENT PROPERTY DEED THIS INDENTURE, made this ___ day of ___________, 20__, between the Housing and Redevelopment Authority in and for the City of Fridley, Minnesota, a political subdivision of the State of Mi Apartments Owner LLC, a Delaware limit WITNESSETH, that the Grantor, in consideration of the sum of One Dollar ($1.00) and other good and valuable consideration, the receipt of which is hereby acknowledged, does hereby convey and quit claim to the Grantee, its successors and assigns, forever, all the tract or parcel of land lying and being in the County of Anoka and State of Minnesota described as follows: See Exhibit 1 hereto TOGETHER with all hereditaments and appurtenances belonging thereto, subject to all conditions, covenants, restrictions and limitations imposed by matters of record. Check box if applicable: Grantor certifies that Grantor does not know of any wells on the described real property. A well disclosure certificate accompanies this document. Grantor is familiar with the property described in this instrument and certifies that the status and number of wells on the described real property have not changed since the last previously filed well disclosure certificate. 47 IN WITNESS WHEREOF, the Grantor has caused this Deed to be duly executed in its behalf by its Chairperson and Executive Director as of the first date above written. HOUSING AND REDEVELOPMENT AUTHORITY IN AND FOR THE CITY OF FRIDLEY, MINNESOTA By: _____________________________________ Its: Chairperson By: _____________________________________ Its: Executive Director STATE OF MINNESOTA ) )ss COUNTY OF ANOKA ) On this _____ day of _______________, 20___ before me, a Notary Public, personally appeared _______________ and _______________ to me personally known who by me duly sworn, did say that they are the Chairperson and Executive Director, respectively, of the Housing and Redevelopment Authority in and for the City of Fridley, Minnesota, a political subdivision of the State of Minnesota, and acknowledged the foregoing instrument on behalf of said Authority. __________________________ Notary Public This instrument was drafted by: Tax statements for the real property described in this instrument should be sent MONROE MOXNESS BERG PA (JRC) to: 7760 France Avenue South, Suite 700 Minneapolis, MN 55435-5844 Roers Fridley Apartments Owner LLC (952) 885-5999 110 Cheshire Lane, Suite 120 Minnetonka, MN 55305 48 SCHEDULE I EXISTING ENVIRONMENTAL REPORTS Phase I Environmental Site Assessment dated June, 2020, completed by Wenck Associates, Inc. Draft Phase II Environmental Site Assessment dated July, 2020, completed by Wenck Associates, Inc. \[Note to Drafter: To be revised to add HRA report information\] 49 SCHEDULE J HRA REDEVELOPMENT PROPERTY PINS: 14-30-24-23-0092; 14-30-24-23-0094 To be included as part of the Redevelopment Property to be platted as _______________________. 20248605v2 4834-5224-7239, v. 7 50