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Memo - Negotiations with GPS Development - Block 64 I Economic Development I MEMORANDUM TO: Honorable Mayor and. City Council j} FROM:~p(jim Kerrigan, Director of Planning & Economic Development DATE: July 12, 2005 SUBJECT: Status of negotiations with GPS Development, re: Block 64 Project GPS Development is proposing to undertake a mixed-use redevelopment project on the block bounded by Fifth and Sixth Avenues North, north of Mainstreet and south of First Street North (Block 64). The project as detailed would involve the construction of approximately 220 condominium units and 6,800 square feet of retail space. GPS is requesting tax increment assistance to make the project financially feasible. To facilitate the project, the following needs to occur: . Execution of a development agreement with GPS Development, LLC . Execution of a tax increment revenue note (pay-as-you-go note) The development agreement details the responsibilities of both the City/HRA and the developer. Specifically addressed are the following: . Scope of work . Parameters of TIF assistance . Timing for completion of various actions to facilitate the project . Default provision * Requirements to be satisfied for the City to utilize its eminent domain authority to acquire property Attached is a development agreement that has been negotiated between staff and GPS Development, LLC, which addresses the above issues. Bob Deike of Bradley & Deike, who drafted the agreement, has prepared the sUmmary of this docum~nt. (The summary is attached to this memo.) Also attached is a risk analysis from Sid Inman of Ehlers & Associates as relates to the City's exposure based on the terms of the agreement. Both Mr. Inman and Mr. Deike will be present at the meeting. At the July 19 Council meeting, staff will provide an overview of this agreement with action on July 26. At this same meeting, staff is recommending that the public hearing be continued for consideration of the establishment of Tax Increment Financing District 1-3. Attachments July 14,2005 CONTRACT FOR PRIVATE REDEVELOPMENT By and Between HOUSING AND REDEVELOPMENT AUTHORITY IN AND FOR THE CITY OF HOPKINS and GPS DEVELOPMENT, LLC Dated: ,2005 This document was drafted by: BRADLEY & DEIKE, P. A. 4018 West 65th Street, Suite 100 Edina, MN 55435 Telephone: (952) 926-5337 . TABLE OF CONTENTS Page PREAMBLE .......................................................................................................................1 ARTICLE I Definitions Section 1.1. Definitions ............................................ ....... ................. ...... ........ ...................3 Section 2.1. Section 2.2. Section 3.1. Section 3.2. Section 3.3. Section 3.4. Section 3.5. Section 3.6. Section 3.7. Section 3.8. Section 3.9. Section 3.10. Section 3.11. Section 4.1. Section 4.2. Section 4.3. ARTICLE II Representations Representations by the Authority .................................................................. 7 Representations by the Redeveloper..............................................................8 ARTICLE III Development Proposal: Public Redevelopment Costs Development Proposal......................... .... ...... .................................. .... ..... .....9 Development Actions.. .......................... ............................ ............................9 Acquisition of Acquisition Property ..............................................................10 Conditions Precedent to Authority's Initiation of Eminent Domain Action .13 Conveyance of Property .......................... ....... ......... ........... ...................... ......14 Public Redevelopment Costs .........................................................................16 Issuance of Notes ................................. ............................................ ...... ........16 Conditions Precedent to Issuance of the Note, Refunding Note and Excess Costs Note... ...... ............................. .................. .......................... ........19 Payment of Authority's Costs........................................................................19 Adjustment of Note Amount................ .......................... ..... .... ...................... .20 Business Subsidy Agreement......................................... ...... .................. ... .....21 ARTICLE IV Construction of Minimum Improvements Construction and Operation of Minimum Improvements..............................22 Construction Plans; Planning Approvals .......................................................22 Commencement and Completion ofConstruction.........................................23 ARTICLE V Insurance Section 5.1. Insurance.. .................................. ....................................................................25 Section 6.1. Section 6.2. Section 6.3. Section 7.1. Section 7.2. Section 8.1. Section 8.2 Section 8.3. Section 9.1. Section 9.2. Section 9.3. Section 9.4. Section 9.5. Section 9.6. ARTICLE VI Taxes; Tax Increment Real Property Taxes .......................................................................................28 Creation of Tax Increment District ...............................................................28 Tax Increment ... .................... ... ...... ................... ............ .................................28 ARTICLE VII Financing Financing ......... ................. ................................................... ... .......................29 Limitation on Encumbrance of Property ............,..........................................29 ARTICLE VIII Prohibitions Against Assignment and Transfer; Indemnification Prohibition Against Transfer of Property and Assignment of Agreement ....30 Release and Indemnification Covenants........................................................30 Indemnification for Relocation Claims..........................................................21 ARTICLE IX Events of Default Events of Default Defined .............................................................................32 Authority's Remedies on Default ... ...... ....................................... .... ...............32 Revesting of Title in Authority ......................................................................32 No Remedy Exclusive ............................................................. ......................32 No Additional Waiver Implied by one Waiver..............................................33 Costs of Enforcement................. .... ... .......... ..... .................... ...... ....................33 11 ARTICLE X Additional Provisions Section 10.1. Representatives Not Individually Liable .......................................................34 Section 10.2. Equal Employment Opportunity....................................................................34 Section 10.3. Titles of Articles and Sections.......................................................................34 Section 10.4. Notices and Demands ....................................................................................34 Section 10.5. Disclaimer of Relationships .................... ................................................... ....34 Section 10.6. Modifications ............................................................................ ..... ................35 Section 10.7. Counterparts ................ ........................ .......................... ............................... ..35 Section 10.8. Judicial Interpretation ....................................................................................35 Section 10.9. Effect of Terrnination........................................................ ...................... .......35 SCHEDULE A SCHEDULE B SCHEDULE C SCHEDULE D SCHEDULE E SCHEDULE F SCHEDULE G SCHEDULE H Description of Redevelopment Property Note Description of Site Improvements Sources and Uses Documentation for City Review of Feasibility of Compliance with Building Code Environmental Due Diligence Memorandum Environmental Due Diligence Schedule Escrow Agreement Hi CONTRACT FOR PRfVATE REDEVELOPMENT THIS AGREEMENT, made on or as of the day of ,2005, by and between the Housing and Redevelopment Authority in and for the City of Hopkins, a public body corporate and politic (hereinafter referred to as the "Authority"), established pursuant to Minnesota Statutes. sections 469.001-469.047 (hereinafter referred to as the "Act"), and having its principal office at 1010 First Street South, Hopkins, Minnesota 55343, and GPS Development, LLC, a Minnesota limited liability company (hereinafter referred to as the "Redeveloper"), having its principal office at 15 Sixth Avenue North, Hopkins, Minnesota 55343. WITNESSETH: WHEREAS, the Authority was created pursuant to the Act and was authorized to transact business and exercise its powers by a resolution of the City Council of the City of Hopkins (the "City") pursuant to Section 469.003 of the Act; and WHEREAS, in furtherance of the objectives of the Act, the Authority has undertaken a program for the clearance and reconstruction or rehabilitation of blighted, deteriorated, deteriorating, vacant, unused, under used or inappropriately used, areas of the City, and in this connection is engaged in carrying out a redevelopment project known as the Hopkins Redevelopment Project No. I (hereinafter referred to as the "Project") in an area (hereinafter referred to as the "Project Area") located in the City; and WHEREAS, as of the date of this Agreement there has been prepared and approved by the Authority and the City Council of the City a redevelopment plan for the Project (which Plan is hereinafter referred to as the "Redevelopment Plan"); and WHEREAS, the Redeveloper has presented to the Authority a proposal for the redevelopment of certain real property located within the Project Area (which real property is referred to herein as the "Redevelopment Property") through the construction of a mixed use commercial/residential development, which proposal involves the Authority's use of tax increment pursuant to this Agreement to reimburse the Redeveloper for a portion of the cost of acquiring the Redevelopment Property, preparing it for development and constructing site improvements to serve the new development; and WHEREAS, the Redeveloper has requested that the Authority assist its development by paying certain public redevelopment costs that will be incurred to prepare the Redevelopment Property for construction of the Minimum Improvements; and WHEREAS, the Authority has approved within the Project Area its Tax Increment Financing District No. 1-3 (the "Tax Increment District") pursuant to Minnesota Statutes. Sections 469.174-.179, in order to create a funding source to finance the public redevelopment ,costs of the Project; and 1 WHEREAS, the Authority believes that the development of the Project Area pursuant to the Redeveloper's proposal and the fulfillment generally of this Agreement, are in the vital and best interests of the City and the health, safety, morals, and welfare of its residents, and in accord with the public purposes and provisions of the applicable State and local laws and requirements under which the Project has been undertaken and is being assisted, and is, therefor, willing to provide the financial assistance outlined herein. NOW, THEREFORE, in consideration of the premises 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. Sections 469.001-469.047, as amended. "Acquisition Property" means that portion of the Redevelopment Property described as such on the attached Schedule A which is proposed to be acquired pursuant to Article III of this Agreement. "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 Hopkins, or any successor or assign. "Available Tax Increment" means ninety five percent (95%) of the Tax Increment that is received by the Authority in the six (6) month period immediately preceding a Scheduled Payment Date. "City" means the City of Hopkins. "Construction Plans" means the plans, specifications, drawings and related documents described in Section 4.2(b) of this Agreement. "County" means Hennepin County, Minnesota. "Design Standards" means the City's design standards for the overlay disttict. "Eligible Costs" means costs of acquisition, relocation and improvements on or adjacent to the Redevelopment Property, eligible for reimbursement by the Authority with Tax Increment under the Tax Increment Act. "Escrow Agreement" means the Indemnification and Escrow Agreement to be executed by the Redeveloper and the Authority pursuant to Section 3.3(e) of this Agreement, the form of which is attached to this Agreement as Schedule H. "Event of Default" means an action by the Redeveloper listed in Article IX of this Agreement. "Excess Costs Note" means the tax increment revenue note that may be issued by the Authority as described in Section 3.7 (e) of this Agreement. 3 "Holder" means the owner of a Mortgage. "Maturity Date" means the date that the Notes terminate or are paid in full, whichever occurs earlier. "Minimum Improvements" means the construction by the Redeveloper of all of the improvements to the Redevelopment Property contemplated by this Agreement, including 220 for sale residential units and approximately 7,900 square feet of retaiVconnnercial space and related improvements, all in accordance with the Construction Plans. "Mortgage" means any mortgage obtained by the Redeveloper which is secured, in whole or in part, by the Redevelopment Property and which is a permitted encumbrance pursuant to the provisions of Article VIII ofthis Agreement. "Net Proceeds" means any proceeds paid by an insurer to the Redeveloper under a policy or policies of insurance required to be provided and maintained by the Redeveloper pursuant to Article V of this Agreement and remaining after deducting all expenses (including fees and disbursements of counsel) incurred in the collection of such proceeds. "Net Refunding Note Proceeds" means the principal amount of any Refunding Note minus capitalized interest and all costs of issuance of the Refunding Note approved by the Authority, in its reasonable discretion. "Note" or "Notes" means the taxable tax increment revenue note or notes to be issued by the Authority to the Redeveloper pursuant to Article III of this Agreement to reimburse the Redeveloper for its payment of the Public Redevelopment Costs. "Permitted Encumbrances" means the following encumbrances on the title to the Acquisition Property: (i) such encumbrances as are agreed to by the Authority and the Redeveloper; (ii) covenants, conditions, restrictions, declarations and easements of record, if any; (iii) governmental regulations, if any, affecting the use and occupancy of the Property and Improvements; (iv) zoning laws of the City, County and State; (v) reservations to the State, in trust for the taxing districts concerned, of minerals and mineral rights in those portions of the Acquisition Property, the title to which may have at any time heretofore been forfeited to the State for nonpayment of real estate taxes. "Phase" or "Phases" mean Phase I, Phase II and/or Phase III. "Phase I" means that portion of the Minimum Improvements consisting of the construction of 72 residential units consisting of approximately 106,000 aggregate square feet for occupancy by persons 55 years of age or older and approximately 7,900 square feet of retaiVcommercial space and related improvements. 4 "Phase II" means that portion of the Minimum Improvements consisting of the construction of80 residential units consisting of approximately 106,000 aggregate square feet for occupancy by persons 55 years of age or older. "Phase III" means that portion of the Minimum Improvements consisting of the construction of70 residential units consisting of approximately 101,000 aggregate square feet for occupancy by persons 55 years of age or older. "Project" means the Authority's Redevelopment Project No. I. "Project Area" means the real properly located within the boundaries of the Project. "Public Redevelopment Costs" means' those Eligible Costs to be incurred by the Redeveloper in connection with the acquisition and redevelopment of the Redevelopment Property to be paid by the Redeveloper and reinlbursed by the Authority with Available Tax Increment pursuant to this Agreement, which costs are described on Schedule C to this Agreement. "Redeveloper" means GPS Development, LLC, a Minnesota limited liability company, or its successors and assigns, or any future owners of the Redevelopment Property. "Redeveloper Properly" means that portion of the Redevelopment Property described as such on the attached Schedule A. "Redevelopment Propeliy" means the real property described in Schedule A of this Agreement, consisting of the Redeveloper Propeliy and the Acquisition Property. "Redevelopment Plan" means the Authority's Redevelopment Plan for the Project, as amended as of the date of this Agreement. "Refunding Note" means the tax increment revenue note that may be issued by the Authority to refund the Note as described in Section 3.7(d) of this Agreement. "Scheduled Payment" means a Scheduled Payment as defined in the Note. "Scheduled Payment Date" means a Scheduled Payment Date as defined in the Note. "State" means the State of Minnesota. "Tax Increment" means that portion of the real property taxes paid with respect to the Redevelopment Property and Minimum Improvements which is paid by the County to the Authority, minus amounts required by law to be deducted by or paid to other governmental entities. "Tax Increment Act" means Minnesota Statutes, Section 469.174-469.179, as the same may be amended from time to time. 5 "Tax Increment District" means the Authority's Tax Increment District No. 1-3. "Tax Official" means any City or County assessor; County auditor; City, County or State board of equalization, the commissioner of revenue of the State, or any State or federal district court, the tax court of the State, or the State Supreme Court. "Unavoidable Delays" means delays beyond the reasonable control of the party seeking to be excused as a result thereof which are the result of acts of God, adverse weather conditions, strikes, other labor troubles, delays in obtaining construction materials, machinery and/or equipment, fire or other casualty to the Minimum Improvements, litigation commenced by third parties which, by injunction or other similar judicial action, results in delays, or acts of any federal, state or local governmental unit (other than the Authority in enforcing its rights under this Agreement) which result in delays. Delays in obtaining financing and delays caused by general market conditions shall not constitute Unavoidable Delays, except for delays in obtaining financing due to environmental issues affecting the Project Area which shall constitute Unavoidable Delays. Upon the occurrence of an Unavoidable Delay, the party seeking to be excused as a result thereof shall be excused for the period of the delay if such party gives the other party written notice of the cause ofthe delay or intenuption within thirty (30) days after its occurrence. 6 ARTICLE II Representations Section 2.1. Representations bv 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 corporate and politic with all the powers of a housing and redevelopment authority duly organized and existing under the laws of the State. Under the provisions of the Act, the Authority believes that it has the power to enter into this Agreement and carry out its obligations hereunder, and has duly authorized the execution, delivery and perfonnance of this Agreement by action of its Board of Commissioners. (b) The activities of the Authority are undertaken pursuant to the Act and are undertaken in accordance with the Redevelopment Plan in furtherance of the objectives of the Project and the Redevelopment Plan which include, but are not limited to, the purposes of clearing blighted, deteriorated, deteriorating, under used and inappropriately used areas of the City, increasing the property tax base in the City; promoting the development of underutilized land; eliminating and removing buildings that are economically or functionally obsolete; producing housing for persons 55 years of age and older, providing maximum opportunity, consistent with the sound needs of the City as a whole for redevelopment by private enterprise; and providing general design guidance in conjunction with suitable development controls in order to enhance the physical environment of the area. (c) To the best of the Authority's knowledge and belief, the Project is a "redevelopment project" within the meaning of the Act and was created, adopted and approved in accordance with the terms of the Act. (d) The Authority will, at no cost to the Authority, cooperate with the Redeveloper with respect to any litigation conunenced with respect to the Plan, Project, or Minimum Improvements. ( e) The Authority will, at no cost to the Authority, cooperate with and assist the Redeveloper in obtaining governmental approvals, permits and authorizations necessary to construct the Minimum Improvements. (f) There are no pending or threatened legal proceedings of which. the Authority is aware which if successful would threaten the economic viability of the Authority or the validity or enforceability of this Agreement or which would restrain or enjoin the transactions contemplated by this Agreement; provided that the Authority has received notice from the owner of the Acquisition Property that such owner objects to the creation of the Tax Increment District on the grounds, among other things, that the Tax Increment District does not qualify as a redevelopment tax increment district under the Tax Increment Act. 7 that: (g) Neither the execution and delivery of this Agreement, the consummation of the transactions contemplated hereby, nor the fulfillment of or compliance with the terms and conditions of this Agreement is prevented, limited by or conflicts with or results in a breach of, the terms, conditions or provisions of any corporate restriction or any evidences of indebtedness, agreement or instrument of whatever nature to which the Authority is now a party or by which it is bound, or constitutes a default under any of the foregoing. Section 2.2. Representations bv the Redeveloper. The Redeveloper represents (a) The Redeveloper is a limited liability company duly organized and authorized to transact business in the State, is not in violation of any provisions of its articles of organization, member control agreement, bylaws or the laws of the State, has power to enter into this Agreement and has duly authorized the execution, delivery and performance of this Agreement by proper action of its members. (b) If the Redeveloper acquires the Redevelopment Property pursuant to the terms of this Agreement, the Redeveloper will construct the Minimum Improvements in accordance with the tenns of this Agreement, the Redevelopment Plan and all local, state and federal laws and regulations (including, but not limited to, enviromnental, zoning, building code and public health laws and regulations), subject to variances necessary to construct the improvements contemplated in the Construction Plans approved by the Authority. (c) Except for facts disclosed in any environmental assessment or report prepared on behalf of the Authority or the Redeveloper, the Redeveloper has received no notice or communication from any local, state or federal official that the activities of the Redeveloper or the Authority in the Project Area may be or will be in violation of any envirorunental law or regulation, and the Redeveloper, to the best of its knowledge, is aware of no facts the existence of which would cause it to be in violation of any local, state or federal envirorunentallaw, regulation or review procedure. (d) The Redeveloper will cooperate with the Authority with respect to any litigation commenced with respect to the Redevelopment Plan, Project, or Minimum Improvements. (e) The Redeveloper would not be able to construct the Minimum Improvements but for the execution of this Agreement and the tax increment assistance to be provided hereunder. 8 ARTICLE III Development Proposal: Site Improvements Section 3.1. Development Proposal. The Redevelopment Property consists of several parcels of property with multiple owners. The Redeveloper has acquired some of the parcels of the Redevelopment Property and has entered into purchase agreements, options or other instruments entitling the Redeveloper to acquire other parcels of the Redevelopment Property, all of which parcels of the Redevelopment Property are described on Schedule A to this Agreement and are referred to herein as the "Redeveloper Property". The remaining parcels of the Redevelopment Property are referred to herein and on Schedule A as the "Acquisition Property" and are owned by a single owner. The Redeveloper has attempted to negotiate the terms of a purchase agreement to acquire the Acquisition Property. The Authority has determined that the Redeveloper's proposal for the redevelopment of the Redeveloper Propeliy and the Acquisition Property (collectively, the "Redevelopment Property") is in the best Interests of the Authority, the City and the City's residents and will assist the Authority and City in attaining their goals for the Project. Therefore, the Authority is willing to assist the Redeveloper with its proposal by using its best efforts to acquire the Acquisition Property, if requested by Redeveloper, and by using a portion of the Tax Increment generated by the Minimum Improvements to offset a portion of the Redeveloper's costs, all as provided for in this Agreement. Due to the high cost of acquiring and redeveloping the Property, the Authority has determined that the Minimum Improvements would not be constructed without the financial participation of the Authority as proposed by the Redeveloper. Section 3.2. Development Actions. The Redeveloper agrees to undeliake the following actions to proceed with the development of the Minimum Improvements: (a) Within thirty (30) days after the date of this Agreement, the Redeveloper shall provide to the Authority for its review and approval a financial plan showing how the Redeveloper intends to finance its acquisition of the Redevelopment Property and construction of the Minimum Improvements, including the deposits required by section 4.3(d), (e), (f) and (g). The financial plan shall describe sources of financing, lending institutions from which the Redeveloper intends to secure financing and contact information for such lending institutions. (b) Within forty five (45) days after the date of this Agreement, the Redeveloper shall provide to the Authority such documentation as the Authority may require to allow the Authority and its consultants to undertake a final feasibility analysis of the Redeveloper's proposed development for the purpose of determining, to the Authority's satisfaction, that the Redeveloper's proposed development is financially feasible, which analysis will be for the benefit of the Authority only and neither the Redeveloper nor any third party shall be entitled to rely thereon. (c) Within thirty (30) days after the date of this Agreement, the Redeveloper shall provide to the Authority a detailed description of the Redeveloper's plans for the phasing of the construction of the Minimum Improvements, including a site plan showing 9 the Phases and showing the parking, landscaping and other improvements to be constructed as a part of each Phase. (d) In accordance with the schedule contained on Schedule G to this Agreement, the Redeveloper shaH complete the environmental due diligence detailed in the memorandum from THPA, Inc., dated March 16, 2005, a copy of which memorandum is attached to this Agreement a$ Schedule P, and shall have prepared a plan for the remediation of any adverse environmental conditions discovered on the Redevelopment Property, which remediation plan shall set forth cost estimates for the remediation based on bids from enviromnental remediation contactors. (e) Within ninety (90) days after the date of this Agreement, the Redeveloper shall provide to the Authority evidence in such form as the Authority may require showing that the Redeveloper has acquired marketable title to all of the Redeveloper Property. (f) Within one huridred and eighty (180) days after the date of this Agreement, the Redeveloper shall provide to the. Authority a firm commitment for financing, in a form acceptable to the Authority, sufficient to pay an costs associated with the acquisition of the Redevelopment Property and construction of Phase I and a financing commitment for the construction of Phases II and III of the Minimum Improvements. (g) Within one hundred and eighty (180) days after the date of this Agreement, the Redeveloper shall complete a process, required by the City, of obtaining detailed preliminary concept review of the Redeveloper's plans for the development of the Minimum Improvements and the City Council of the City shan have given conceptual approval to the Redeveloper's submitted plans. At the same time the Redeveloper shall submit to the City's building inspections department documents sufficient to allow a detennination of feasibility of compliance with the State Building Code. Attached to this Agreement as Schedule E is a list of documents required to be submitted to the City's . building inspections department to enable such a review. (h) Within thirty (30) days after the date of this Agreement, the Redeveloper shall submit to the Authority organizational documents, acceptable to the Authority, for the condominium association to be created in connection with the Minimum Improvements. Section 3.3. Acquisition of Acquisition Property. (a) The Acquisition Property is owned by a third party. The Redeveloper is negotiating with the owner of the Acquisition Property concerning its purchase of such property. The Redeveloper agrees to continue such negotiations in good faith and to periodically inform the Authority of the status of the negotiations. In the event that the Redeveloper is unable to enter into a purchase agreement to acquire the Acquisition Property for a reasonable price, considering the appraised fair market value and the Redeveloper has performed all of its activities required by Section 3.2 of this Agreement, 10 the Redeveloper will infonn the Authority that it has been unable to acquire the Acquisition Property for a reasonable price, considering the appraised fair market value and request the Authority to acquire the Acquisition Property by eminent domain. If the Redeveloper has performed all of its activities required to be perfonned under Section 3.2 of this Agreement and if the conditions precedent set forth in section 3.4 have been satisfied the Authority will within a reasonable time following receipt of such request from the Redeveloper hold a public hearing on the question of whether the Authority should institute a proceeding to acquire the Acquisition Property using its powers of eminent domain as provided in this section. The Redeveloper's notification to the Authority of its inability to enter into a purchase areement to acquire the Acquisition Propeliy for a reasonable price, considering the appraised fair market value, shall be accompanied by such documentation as the Authority may require detailing the Redeveloper's efforts to acquire the Acquisition Property for a reasonable price, considering the appraised fair market value. (b) Within a reasonable time after the Redeveloper notifies the Authority that it has been unable to acquire the Acquisition Property and after such public hearing and adoption by the Board of Commissioner of the Authority of a resolution authorizing and directing the use of eminent domain proceedings to acquire the Acquisition Property, the Authority will prepare and serve on the owner of the Acquisition Property and other necessaty parties a petition to acquire the Acquisition Property through use of eminent domain and the quick take procedure of Minnesota Statutes, section 117.042. The Authority will diligently prosecute the eminent domain action to completion. The Authority believes that it has the legal authority to acquire the Acquisition Property but makes no warranties or guaranties to the Redeveloper that it will be able to do so. The Redeveloper acknowledges that the Authority does not walTant the successful conclusion of any eminent domain action or vacation procedures or the accomplishment of any particular result or timetable because of the many variables inherent in any litigation or legal proceeding. The Authority shall not be liable to any party for any consequential or other damages that may mise out of any delays due to eminent domain actions, vacation procedures, enviromnental conditions, court challenges or elements outside the control of the Authority.. Once the eminent domain action has been initiated, the Authority agrees to diligently pursue the same to completion. The Authority agrees to use its best efforts to obtain the Acquisition Property for its mm'ket value in accordance with Minnesota law. The Authodty agrees that it will not settle the eminent domain action without obtaining the prior written approval of the Redeveloper, which written approval will not be unreasonably withheld or delayed. (c) Pdor to commencement of the eminent domain action the Authority will obtain and furnish to the Redeveloper a commitrllent for the issuance of an owner's policy of title insurance for the Acquisition Property naming the Authority as the proposed insured party in the amount of the Authority's required deposit under Minnesota Statutes, Section 117.042. The Redeveloper shall be allowed to review such commitment and to provide the Authority with a list of written objections to such title. The Redeveloper's objections shall be made in writing within twenty (20) days of its receipt of the title commitment or shall be deemed waived. Upon receipt of the Redeveloper's list of written II 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 tlu'ough the exercise of its powers of eminent domain. (d) All costs incurred by the Authority in attempting to acquire the Acquisition Property shall be paid by the Redeveloper in accordance with this section and section 3.9 of this Agreement; provided, however, that prior to the Authority's COITUnencement of an eminent domain action to acquire the Acquisition Property the Redeveloper shall deposit with the Authority the sum of $75,000 to be applied by the Authority to its legal costs associated with the action. If the Authority determines that such amount will be insufficient to pay its legal costs, the Authority shall have the right to require the Redeveloper to deposit additional amounts with the Authority to pay such costs. (The amount of the deposit is still subject to discussion.) ( e) In order to acquire title to the Acquisition Property pursuant to Minnesota Statutes, section 117.042, the Authority must deposit with the court an amount equal to its appraised value of the property. The Authority's obligation to initiate an eminent domain action to acquire the Acquisition Property is subject to the condition precedent that the Redeveloper and the Authority shall have entered into the Escrow Agreement, pursuant to which the Redeveloper will have provided the escrow deposits, security, collateral and third party guaranties as specified therein. The security deposited pursuant to the Escrow Agreement may be used by the Authority to make the deposit with the court required by Minnesota Statutes, section 117.042, and to pay any damages in excess of the Authority's appraised value of the Acquisition Property that are finally determined to be owed to the Acquisition Property's owner and any other obligations of the Redeveloper to the Authority under this Agreement. To the extent that the final award of damages for the taking of the Acquisition Property exceeds the amount deposited, the Redeveloper shall be liable to the Authority for the amount of such excess. (f) The Redeveloper's development of the Minimum Improvements will result in the displacement of a number of owners and occupants of the Redevelopment Property. The Redeveloper has caused to be prepared a relocation plan detailing the relocation payments expected to be made to persons displaced from the Redevelopment Property as a result of the development. Therefore, prior to the Authority's initiation of a proceeding to acquire the Acquisition Property through the use of its powers of eminent domain, the Redeveloper will do all of the following: (i) Pursuant to the Escrow Agreement, the Redeveloper shall deposit security acceptable to the Authority, by which the Redeveloper irrevocably commits the sum of $1,250,000, which is the estimate of the relocation costs contained in the "Block 64 Redevelopment Relocation Plan" dated April 4, 2005 prepared by Wilson Development Services, to be applied to relocation benefits for persons and businesses displaced from the Redevelopment Property. Such amount may be deposited either as cash, an irrevocable bank letter of credit, or a combination thereof, in a 12 form reasonably acceptable tQ the Authority. The Authority shall use the amount so deposited to pay such relocation benefits. The Authority shall be entitled to draw upon such amounts to pay any relocation claims made by displaced persons or businesses against the Authority. In addition, within ten (10) days following the written request by the Authority, the Redeveloper shall advance such additional amounts as may be necessary to enable the Authority to pay all amounts as are determined by the Authority or a court of competent jurisdiction to be due to persons displaced from the Redevelopment Property as provided in applicable relocation regulations. (ii) The Redeveloper and the Authority shall enter into a contract with a relocation consultant (the "Relocation Contract") to provide relocation services relative to the relocation of all persons and entities displaced as a result of the development of the Minimum Improvements. The Authority agrees that Wilson Development Services, Inc., is an acceptable relocation consultant for this purpose. Although it will be a party to such Relocation Contract, the Authority shall have no obligation to pay any amount owed under such contract (iii) The Relocation Contract shall provide that the relocation consultant shall complete the relocation of all persons and entities, including for persons or entities occupying the Acquisition Property, who will be displaced as a result of the Redeveloper's construction of the Minimum Improvements and shall provide to the Authority a certification, in a fonn acceptable to the Authority, from the Redeveloper's relocation consultant to the effect that such persons and entities have been relocated in accordance with State law and the federal Unifonn Relocation Act. (g) Prior to the Authority's commencement of an action to acquire the Acquisition Property the Redeveloper shall deposit with the Authority or enter into an arrangement acceptable to the Authority by which the Redeveloper irrevocably commits a sum of money equal to the estimated cost of completing the environmental remediation of the Acquisition Property as detailed in the Redeveloper's environmental remediation plan prepared pursuant to sections 3.2(c) and 3.3 of this Agreement. Section 3.4. Conditions Precedent to Authority's Initiation of Eminent Domain Action. The Authority's obligation to initiate a proceeding to acquire the Acquisition Property through the use of its powers of eminent domain shall be subject to satisfaction, or waiver in writing by the Authority, of all of the following conditions precedent: (a) The Redeveloper not being in default under the terms of this Agreement; 13 (b) The Authority having detennined, in its sole discretion and based on documentation acceptable to the Authority, that the Redeveloper has used its best efforts to acquire the Acquisition Property for a reasonable price, considering its appraised fair market value, and has been unable to do so; ( c) The Redeveloper having completed to the satisfaction of the Authority all of the activities detailed in section 3.2 of this Agreement; (d) The Redeveloper having provided a firm commitment for financing, acceptable to the Authority, sufficient to pay all costs of acquiring the Redevelopment Property and constructing Phase I of the Minimum Improvements and all related costs and shall have provided to the Authority a preliminary commitment for financing, acceptable to the Authority in its sole discretion, for the construction of Phases II and III; ( e) The Authority and its consultants having undertaken a final feasibility analysis of the Redeveloper's proposed development and detennined, to the Authority's satisfaction, that the development is financially feasible, which analysis will be for the benefit of the Authority only and neither the Redeveloper nor any third party shall be entitled to rely thereon; (f) The Redeveloper having executed and made the deposits required by the Escrow Agreement and having completed all activities required to be completed by Section 3.3 before the initiation of such eminent domain action; (g) The Authority having held a public hearing on the conveyance of the Acquisition Property to the Redeveloper as required by Minnesota Statutes, section 469.029, following which the Authority has determined to convey the Acquisition Property to the Redeveloper; (h) The Authority having held the public hearings described in Sections 3.3 and 3.Il of this Agreement; and (i) The Authority having adopted a resolution authorizing and directing the commencement of proceedings to acquire the Acquisition Property. If all of the above conditions have not been satisfied or waived within one hundred and eighty (I80) days after the date hereof, either party to this Agreement may terminate this Agreement by giving written notice of tennination to the other party, upon which this Agreement shall terminate, subject to section 10.9. Section 3.5. Convevance ofProoertv. (a) If the Authority acquires the Acquisition Property, the Authority will convey such property to the Developer, subject to the tenns and conditions of this Agreement. 14 (b) In consideration of the Redeveloper's payment of the costs of acquiring the Acquisition Property, no additional payment will be required of the Redeveloper to acquire the Acquisition Property. (c) The Authority shall convey title to and possession of the Acquisition Property to the Redeveloper under a standard quit claim deed (the "Deed") containing the reversionary clause described in Section 9.3 of this Agreement. The conveyance of the Acquisition Property and the Redeveloper's use of the Acquisition Property and the Redevelopment Property shall be subject to all of the conditions, covenants, restrictions and limitations imposed by this Agreement and the Deed. The conveyance of title to the Acquisition Property and the Redeveloper's use of the Acquisition Propeliy and Redevelopment Property shall also be subject to Pennitted Encumbrances and building and zoning laws and ordinances and all other local, state and federal laws and regulations. (d) The Authority's obligation to convey the Acquisition Property, or any portion thereof, to the Redeveloper shall be subject to satisfaction of all of the following conditions precedent: (i) the Redeveloper shall not be in default under any term of this Agreement or the Escrow Agreement; (ii) the Redeveloper shall have approved or waived any objections to title to the Property in accordance with Section 3.3( c) hereof; (iii) the Redeveloper shall simultaneously close on its financing for the construction of the Phase of the Minimum Improvements to be constructed 011 the parcel to be conveyed; and (iv) the Redeveloper shall have submitted and the Authority and City shall have approved all building plans for the Minimum Improvements and the Redeveloper shall have obtained any other governmental approvals necessary to allow the construction and operation of the Improvements. (e) In the event that all of the above conditions have not been satisfied, or waived in writing by the Authority, or the Acquisition Property has not been conveyed to the Redeveloper within one year from the date hereof, either the Authority or the Redeveloper may teJ.minate this Agreement by giving written notice of termination to the other party. In the event of such termination, the Authority and the Redeveloper shall have no further obligations to the other under this Agreement, except that the parties shall execute a cancellation agreement in recordable form terminating this Agreement and the obligations under Section 10.9 shall survive such temunation. Notwithstanding the foregoing, if the Authority has cornmenced eminent domain proceedings to acquire any portion of the Acquisition Property, the Escrow Agreement shall remain in effect even if this Agreement is tenninated. 15 (f) The Authority shall execute and deliver to the Redeveloper the Deed on the later of: (i) seven (7) days after all of the conditiol1s contained in subsection 3.5( d) have been satisfied; or (ii) on such other date as the Authority and the Redeveloper shall agree in writing. (g) The Deed shall be promptly recorded by or on behalf of the Redeveloper. The Redeveloper shall pay all recording costs, including State deed tax, and all other closing costs related to the Authority's conveyance of the Acquisition Property. Section 3.6. Public Redevelopment Costs. (a) The Authority agrees that it will reimburse the Redeveloper for the payment of certain costs in connection with the acquisition and redevelopment of the Redevelopment Property (the "Public Redevelopment Costs"). The Public Redevelopment Costs are described on the attached Schedule C. The Authority agrees that it will reimburse the Public Redevelopment Costs, using Available Tax Increment on a pay-as-you-go basis, through the issuance and payment of the Notes as provided in this Agreement. (b) The Redeveloper shall be solely responsible for all aspects of constructing the Minimum Improvements. The Authority's reimbursement of the Redeveloper for the Public Redevelopment Costs shall be accomplished through the Authority's issuance and delivery of the Notes to the Redeveloper. It is anticipated that the Authority will issue a Note for each Phase of the Minimum Improvements to reimburse the Redeveloper for the Public Redevelopment Costs associated with the Phase. The Note for each Phase will be issued upon completion of construction of the Phase and upon receipt by the Authority of documentation showing that the Redeveloper has incurred Public Redevelopment Costs associated with that Phase equal to or exceeding the principal amount of the Note. The principal amounts of the Notes have been determined, based on fmancial infomlation submitted to the Authority by the Redeveloper, as the amounts necessary to make the development of the Minimum Improvements financially feasible. Based on such financial information, the parties have agreed that the principal amount of the Note for Phase I will be $ , the principal amount of the Note for Phase II will be $ , and the principal amount of the Note for Phase III will be $ In no event will the aggregate principal amount of all of the Notes exceed $ (Sid, can you confirm the note amounts?) Section 3.7. Issuance of Notes. (a) The Authority's reimbursement of the Redeveloper for the Public Redevelopment Costs shall be through the issuance of the Notes which shall occur at the times stated in Section 3.6 of this Agreement. The Notes shall be substantially in the form of the Note attached to this Agreement as Schedule B, with all blanks properly filled in. The Notes shall be dated as of the date of their issuance and shall be payable together with simple non-compounding interest at the rate of six and three quarters percent (6.75%) per year from the date of the issuance of the Notes until the Notes are paid in full or terminated. The principal amounts of the Notes shall be subject to reduction as provided in section 3.10 of this Agreement. At the option of the Authority, in lieu 16 of issuing a series of Notes, the Authority may require that the Redeveloper at the time of issuance of any Note after the initial Note surrender the previously issued Notes in return for the Authority's issuance of a replacement Note. Such replacement Note will combine the outstanding principal amounts of all previously issued Notes with the principal amount of the new Note. If requested by the Redeveloper the Authority will issue a Note or Notes with priority of payment over other Notes issued. (b) The Redeveloper makes the following representations to the Authority with respect to the issuance of the Notes to the Redeveloper: (i) The Redeveloper has not relied on any representations of the Authority, or any of its officers, agents, or employees, and has not relied on any opinion of any attorney of the Authority, as to the Federal or State income tax consequences relating to the purchase and ownership of the Notes by the Redeveloper. (ii) The Redeveloper is sufficiently knowledgeable and experienced in financial and business matters, including the purchase and ownership of obligations of a nature similar to the Notes, to be able to evaluate the risks and merits of the purchase and ownership of the Notes. The Redeveloper has been made aware of the security for the Notes and the proposed uses of the proceeds of the Notes, and has received the cooperation of the Authority in undertaking any due diligence that the Redeveloper has deemed necessary or appropdate. (iii) The Redeveloper understands that the Available Tax Increment is the sole source of money that is pledged and will be available for the payments due under the Notes; that the Authority is not under any obligation to repurchase the Notes from the Redeveloper under any circumstances; that the Notes are not general obligations of the Authority or the City; and that, if the Available Tax Increment is not sufficient to make the payments due under the Notes in full, no right will exist to have taxes levied by the Authority or City for the payment of the unpaid amounts due under the Notes. (iv) The Redeveloper understands that the Available Tax Increment necessary to pay the Notes has been estimated assuming that the market value of Phase I will be at least $22,316,275 as of January 2, 2008, that the market value of Phase II will be at least $23,843,262 as of January 2, 2009, and that the market value of Phase III will be at least $23,159,650 as of January 2, 2010. In the event, among other things, that the Redeveloper fails to complete the Minimum Improvements in a timely manner the Available Tax Increment may be inadequate to pay total principal of and interest on the Notes. (Sid, can you confirm these values?) 17 (v) The Redeveloper understands that the Notes are not registered or otherwise qualified for sale or transfer under the securities laws and regulations of the State or under the Federal securities laws or regulations, the Notes are not listed on any stock or other securities exchange, and the Notes will carry no rating from any rating service. (c) The Redeveloper shall not be entitled to sell, transfer or assign the Notes to a Person, other than an affiliate of the Redeveloper, without the Authority's prior written consent. The Authority understands, however, that the Redeveloper intends to pledge and assign the Note to its lender of financing for construction of the Minimum Improvements and will pemlit such pledge and assignment if the Redeveloper's lender executes and delivers to the Authority a certification in a form acceptable to the Authority containing the representations concerning the limited nature of the source of payment of the Notes set forth in subsection (b) above and such other representations as the Authority may reasonably require. (d) The Authority agrees that after completion of each Phase, after the Authority undertakes the financial analysis of the Phase required by Section 3.10 of this Agreement, and upon request by the Redeveloper the Authority will refinance the Note issued for the Phase by issuing a Refunding Note for the Phase. The Refunding Note will be placed with investors through an underwriter acceptable to the Authority and will be issued on tenns and conditions then available in the public marketplace. Subject to reduction as provided in Section 3.10, the Authority agrees that it will issue a Refunding Note in a principal amount that will generate Net Refunding Note Proceeds of $ for Phase I, a Refunding Note in a principal amount that will generate Net Refunding Note Proceeds of $ for Phase II and a Refunding Note in a principal amount that will generate Net Refunding Note Proceeds of $ for Phase III. The sole source of payment for the Refunding Notes shall in all cases be limited to Available Tax Increment. If it is not possible to sell in the public marketplace the Refunding Notes in a principal amount that will generate Net Refunding Note Proceeds in the amounts specified above for any Phase, the difference between the Net Refunding Note Proceeds and such specified amounts, , or such lesser amount as is detemlined pursuant to Section 3.10, will be paid to the Redeveloper through the Authority's issuance and payment of the Excess Costs Notes pursuant to subsection (e) of this Section. ( e) The Authority and the Redeveloper anticipate that it is likely that, due to the limitations on the source of payment of the Refunding Notes and for other reasons, it will not be possible to issue the Refunding Notes in principal amounts that will generate Net Refunding Note Proceeds in the amounts set forth in subsection (d) above, or such lesser amounts as may be allowed under Section 3.10. In such case the Authority agrees that it will issue an Excess Costs Note to the Redeveloper. The principal amount of the Excess Costs Note for each Phase shall equal the amount by which the Net Refunding Note Proceeds is less than the amount specified in subsection (d) for such Phase, or such lesser amount as may be allowed under Section 3.10. The Excess Costs Notes shall be in a form agreed upon by the Authority and the Redeveloper. Each Excess Costs Note shall accrue simple non-compounding interest on the principal amount from the date of issuance of the Excess Costs Note until the entire principal amount and all accrued interest is paid at the same rate of interest as is payable on the principal amount of the 18 Refunding Note. Interest shall be computed on the basis of a 360-day year of twelve (12) 30-day months. The Excess Costs Notes shall be payable solely from Available Tax Increment remaining after deducting the amounts necessary to pay debt service on any outstanding Refunding Notes. (f) Ifrequested by the Redeveloper, the Authority will explore whether the Note, the Refunding Notes, or the Excess Costs Notes can be issued on a tax exempt basis. Whether or not to issue such notes on a tax exempt basis shall be in the sole discretion of the Authority and will be affected by such considerations as whether such tax exempt obligations can legally be issued and the impact on the City's and Authority's ability to issue other tax exempt obligations qualified under Section 265(b )(3)(B) of the United States Internal Revenue Code of 1996, as amended. Section 3.8. Conditions Precedent to the Issuance of the Note. Refunding Note and Excess Costs Note. (a) The Authority's obligation to issue the Note to the Redeveloper shall be subject to the satisfaction, or waiver by the Authority in writing, of all of the following conditions precedent: (i) the Redeveloper shall not be in default under any term of this Agreement or the Escrow Agreement; (ii) the Redeveloper shall have completed construction of the Phase for which the Note is being issued, as evidenced by the City's issuance of a certificate of occupancy; and (iii) the Redeveloper shall have furnished the Authority with invoices and documentation, in a fonn acceptable to the Authority, demonstrating that the Public Redevelopment Costs for which the Note is being issued have been paid. (b) The Authority's obligation to issue the Refunding Note and the Excess Costs Note shall be subject to the satisfaction, or waiver by the Authority in writing, of the following conditions precedent: (i) the Redeveloper shall not be in default under any term of this Agreement or the Escrow Agreement; and (ii) the Authority shall have conducted the financial analysis as described in Section 3.10 and detenllined the final principal amount of the Refunding Note. Section 3.9. Payment of Authority's Costs. The Redeveloper has paid and shall continue to pay all of the Authority's out-of-pocket costs incurred with third party vendors and consultants in connection with the implementation of the Redeveloper's proposed development. Such costs shall include, but not be limited to, all out -of-pocket costs, whether incurred prior to or after the date of this Agreement, incurred by the Authority or City with respect to the proposed development, including, without limitation, all fees owed to the Authority's or City's traffic, development, fiscal, environmental, communications and other consultants, and all attorneys' 19 fees or other costs incurred by the Authority or City in connection with the negotiation and preparation of this Agreement, the creation of the Tax Increment District, defending any legal actions brought against the Authority or City challenging the legality of any of their actions taken relative to this Agreement or the Redeveloper's development of the Minimum Improvements, and the acquisition of the Acquisition Property, and all related documents or transactions, or in enforcing the Redeveloper's obligations to pay costs which it is obligated to pay under this Agreement. The Redeveloper has paid all costs incurred by and billed to the Authority as of the date of this Agreement and at the time of execution of this Agreement has deposited $25,000 with the Authority. The Authority shall have the right to draw upon amounts on deposit with it to pay its costs. Legal fees associated with the prosecution of any eminent domain action or any other litigation related to the Tax Increment District, the Project or this Agreement shall not be payable from the amounts required to be deposited under this Section but shall be payable from the deposits required under Section 3.3(d) or Section 6.3. The Redeveloper agrees to maintain a deposit with the Authority in the amount of $10,000. If the amount on deposit becomes depleted below $10,000, the Authority shall have the right to request that the Redeveloper replenish such funds upon which the Redeveloper shall, within 15 days of request by the Authority, remit to the Authority additional funds to reimburse the Authority for such costs as have been incurred by it and for which Redeveloper has not yet reimbm'sed the Authority and to be held on deposit so that the amount on deposit will equal $10,000. If on termination of this Agreement, the amounts held by the Authority are insufficient to pay the Authority's costs, the Redeveloper shall be liable for any deficiency. If this Agreement is temlinated in accordance with the tenns hereof, any sums remaining on deposit with the Authority, after the Authority pays or reimburses itself for costs incurred to the date of termination, shall be returned to the Redeveloper. The Redeveloper's obligations to pay the Authority's and City's costs under this section shall continue until the date that the Redeveloper has received a certificate of occupancy for the entire Minimum Improvements and shall include all costs incurred up to the date of such receipt; provided, however, that to the extent that after such date the Authority continues to incm' costs relating to eminent domain proceedings to acquire the Acquisition Property or in defending any action challenging the validity of the Tax Increment District, the Project or this Agreement the Redeveloper's obligation to payor reimburse the Authority for such costs shall not terminate until termination of such proceedings or court cases. Section 3.10. Adiustment of Note Amounts. TIle Authority's detennination to reimburse the Redeveloper for a portion of the Public Redevelopment Costs is based in part on the Authority's analysis of the Redeveloper's total costs to be incurred in connection with the redevelopment of the Redevelopment Property. The amount of the Public Redevelopment Costs to be reimbursed by the Authority was detennined based on a preliminary sources and uses statement dated July 11, 2005, an abbreviated version of which is attached to this Agreement as Schedule D. A more detailed version of the preliminary sources and uses statement is on file with the Authority's financial advisor and will be maintained confidential to the extent legally possible. As the Redeveloper further refines its plans for the Minimum Improvements the preliminary sources and uses statement may change and, as a result, the amount of the Public Redevelopment Costs to be reimbursed may decrease. The preliminary sources and uses statement projects the percentage of the total costs incurred by the Redeveloper in developing, acquiring, marketing, holding, managing, operating, and selling the residential portion of the 20 Minimum Improvements, which costs will include the categories of costs showing on Schedule D, that the Redeveloper will derive as a profit. No later than one year after the sale by the Redeveloper of the last residential unit in each Phase of the Minimum Improvements or the completion of all eminent domain proceedings initiated to acquire the Acquisition Property, whichever occurs later, the Redeveloper will provide to the Authority a final sources and uses statement showing all costs incurred in developing the residential portion of the Phase and all revenues derived from the sale of the residential units. The final sources and uses statement shall be accompanied by a letter from an independent certified public accountant certifYing that such accountant, without a full audit of Redeveloper's books, has reviewed the statement and that the statement accurately represents the costs and revenues incurred and derived by the Redeveloper in cormection with the development of the residential units in the Phase The Redeveloper shall provide such other documentation as the Authority may request supporting the sources and uses statement. The Redeveloper shall be allowed to derive a profit from the development of the residential units of each phase of 12% of the costs of such development, plus an additional 2% of such costs in consideration for the Redeveloper's provision of the guaranties and other security required by this Agreement prior to the commencement of any eminent domain proceedings to acquire the Acquisition Property and an additional 2% in consideration for the Redeveloper's assumption of the risk that property values in the Tax Increment District will increase to levels that will allow the Excess Costs Notes to be paid in full. If the Authority determines that the profit to be derived by the Redeveloper for any Phase will exceed such allowable amounts of profit, the principal amounts of the Note, Refunding Note or Excess Costs Note for that Phase will be reduced by the amount of the excess profit. To the extent that the profit derived by the Redeveloper fi'om a Phase is less than the amount of profit allowed by this section, such deficiency in profit shall be allowed as a credit against the profit derived from another Phase or Phases that exceeds the profit allowed by this section. Section 3.11. Business Subsidv Agreement. Within sixty (60) days after the date hereof the Authority will hold a public hearing on the granting of a business subsidy to the Redeveloper as required pursuant to Minnesota Statutes, section Il6J.994, subd. 5. Following such public hearing the Authority may determine that wage and job goals are not among the goals the Authority is seeking to achieve. In that event the Authority and the Redeveloper shall enter into a Business Subsidy Agreement to satisfY the other requirements of the Minnesota Business Subsidy Law. If the Authority detennines that wage and job goals should be met by the Redeveloper and the Redeveloper agrees to such goals, this Agreement will be amended to reflect such goals. If the Developer does not agree to meet such goals, this Agreement shall tenninate and the parties shall execute an instrument in recordable fonn evidencing such termination. The obligations of Section 3.9 shall survive such termination. 21 ARTICLE IV Construction of Minimum Improvements Section 4.1. Construction and Operation of Minimum Improvements. The Redeveloper agrees that it will construct the Minimum Improvements on the Redevelopment Property in accordance with the approved Construction Plans, together with any changes approved by the Authority and any changes not requiring the Authority's approval, and at all times prior to the Maturity Date will operate and maintain, preserve and keep the Minimum Improvements or cause the Minimtnn Improvements to be maintained, preserved and kept with the appurtenances and every part and parcel thereof, in good repair and condition. Section 4.2. Construction Plans: Planning Approvals. (a) The Authority's willingness to assist the Redeveloper in its redevelopment of the Redevelopment Property is predicated upon and subject to the Redeveloper's agreement that it will construct the Minimtnn Improvements in accordance with the schedule described in Section 4.3 and that the Minimum Improvements will be of such quality and nature as will satisfY the Authority's and City's goals for the redevelopment of the Redevelopment Property. Within sixty (60) days after the date the City notifies the Redeveloper that it is able to undertake a fonnal review of the Redeveloper's development proposal, the Redeveloper shall submit to the City completed applications for approval of Redeveloper's site plan, rezoning, preliminary/final plat, and any other actions detennined to be necessary or desirable to permit the development of the Minimtnn Improvements. Such documents shall be consistent with the information submitted to and approved by the City and Authority pursuant to the preliminary concept review process described in Section 3.2(g). AIl of such applications and documentation together with the resolution of the City Council of the City and related documents granting such approvals are referred to herein as the "Construction Plans". The Construction Plans shall be prepared consistent with the Design Standards. The parking facilities to be constructed to serve the Minimunl Improvements shall confonn to the recommendations contained in the memorandtnn from SRF Consulting Group, Inc., dated March 27, 2005, as amended. AIl additional building plans shall be prepared consistent with the Construction Plans, except as may be permitted by this section. Nothing in this section shall be deemed to relieve the Redeveloper of its obligations to comply with the requirements of the City's normal construction permitting process or to restrict the City in the exercise of its discretion in granting any approval related to the Redeveloper's development. (b) If the Redeveloper desires to make any change in any Construction Plans after their approval by the Authority, the Redeveloper shall submit the proposed change to the Authority for its approval. If the Construction Plans, as modified by the proposed change, are acceptable to the Authority, the Authority shall approve the proposed change and notifY the Redeveloper in writing of its approval. The Authority shall not unreasonably withhold or delay approval of any requested change in the Construction Plans and any requested change in the Construction Plans shall, in any event, be deemed 22 approved by the Authority unless rejected, in whole or in part, by written notice by the Authority to the Redeveloper, setting forth in detail the reasons therefor. Such rejection shall be made within sixty (60) days, or such longer period as may be agreed to by the parties, after receipt of the notice of such change or shall be deemed to be approved. The Authority shall have no obligation to approve a change that materially alters the nature, quality, construction schedule or value of the Minimum Improvements or that deviates from the site plan or elevations submitted to and approved by the Authority. Nor shall the Authority have an obligation to approve any change that requires approval by the City Council. (c) Nothing in this Agreement shall be deemed to modify the City's normal construction permitting process as it applies to the Redeveloper's plans for development and the Redeveloper shall in all respects be required to comply with such process. (d) During the process of constructing the Minimum Improvements the Redeveloper will allow a tester to enter into the various buildings comprising the Minimum Improvements to test the strength of the City's police department's digital radio system. If it is determined to be necessary to boost the radio signals, the Redeveloper will install signal anlplifiers in the buildings as required by the City. Section 4.3. Conunencement and Completion of Construction. Subject to Unavoidable Delays, the Redeveloper shall commence construction of Phase I within thirty (30) days after the Redeveloper acquires title to all of the property on which Phase I will be built, and shall complete such construction within fourteen (14) months after commencement; provided, that if the conveyance of any portion of the Redevelopment Property for Phase I occurs at a time that would necessitate a winter construction start to meet the commencement requirement, commencement of construction of Phase I may be extended to April 1 of the following year. Subject to Unavoidable Delays, the Redeveloper shall commence construction of Phase II by April 1,2007, and shall complete such construction by June 30,2008. Subject to Unavoidable Delays, the Redeveloper shall commence construction of Phase III by April I, 2008, and shall complete such construction by June 30, 2009. All work with respect to the Minimum Improvements and other improvements to be constructed or provided by the Redeveloper on the Redevelopment Property shall be in conformity with the Construction Plans, together with any changes approved by the Authority and any changes not requiring the Authority's approval, as submitted by the Redeveloper and approved by the Authority. 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 its successors and assigns, shall promptly begin and diligently prosecute to completion the redevelopment of the Redevelopment Property through the construction of the Minimum Improvements thereon, and that such construction shall in any event be commenced and completed within the periods specified in this Section 4.3 of this Agreement and subject to Unavoidable Delays and/or mumal agreement of the parnes hereto. Until construction of the Minimum Improvements has been completed, the Redeveloper shall make construction progress 23 reports, at such times as may reasonably be requested by the Authority, but not more than once a month, as to the actual progress of the Redeveloper with respect to such construction. Upon substantial completion of the Minimum Improvements and upon request by the Redeveloper, the Authority shall provide to the Redeveloper a certificate in recordable form stating that the obligations of the Redeveloper with respect to the construction of the Minimum Improvements under this Agreement have been satisfied. The Minimum Improvements shall be deemed to be completed when a certificate of occupancy has been issued by the City and the Redeveloper has provided security or other assurances reasonably satisfactory to the Authority assuring that any remaining items, including without limitation, landscaping, will be completed. 24 ARTICLE V Insurance Section 5.1. Insurance. (a) The Redeveloper or its contractors 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: (i) Builder's risk insurance, written on the so-called "Builder's Risk - Completed Value Basis," in an amount equal to one hundred percent (100%) of the insurable value of the Minimum Improvements at the date of completion, and with coverage available in nonreporting fonn on the so called "all risk" form of policy; (ii) Comprehensive general liability insurance (including operations, contingent liability, operations of subcontractors, completed operations, Broadening Endorsement including contractual liability insurance) together with an Owner's Contractor's Policy with limits against bodily injury and property damage of not less than $2,000,000.00 for each occurrence (to accomplish the above-required limits, an umbrella excess liability policy may be used); and (iii) Worker's compensation insurance, with statutory coverage and employer's liability protection. The policies of insurance required pursuant to clauses (i) and (ii) above shall be in form and content reasonably satisfactory to the Authority and shall be placed with financially sound and reputable insurers licensed to transact business in the State, the liability insurer to be rated A or better in Best's Insurance Guide; provided, that the Redeveloper shall have the right to self-insure to satisfy said requirements with the written approval of the Authority. The policy of insurance delivered pursuant to clause (i) above shall contain an agreement of the insurer to give not less than thirty (30) days' advance written notice to the Authority in the event of cancellation of such policy or change affecting the coverage thereunder. (b) Upon completion of construction of the Minimum Improvements and prior to the Maturity Date, the Redeveloper shall maintain, or cause to be maintained, at its cost and expense, and from time to time at the request of the Authority shall furnish proof of the payment of premiums on, insurance as follows: (i) Insurance against loss and/or damage to the Minimum Improvements under a policy or policies covering such risks as are ordinarily insured against by similar businesses, including (without limiting the generality of the foregoing) fire, extended coverage, all risk vandalism and malicious mischief, 25 boiler explosion, water damage, demolition cost, debris removal, and collapse in an amount not less than the full insurable replacement value of the Minimum Improvements, but any such policy may have a deductible amount of not more than $50,000.00. No policy of insurance shall be so written that the proceeds thereof will produce less than the minimum coverage required by the preceding sentence, by reason of co-insurance provisions or otherwise, without the prior consent thereto in writing by the Authority. The tenn "full insurable replacement value" shall mean the actual replacement cost of the Minimum Improvements (excluding foundation and excavation costs and costs of underground flues, pipes, . drains and other uninsurable items) and equipment, and shall be determined from time to time at the request of the Authority, but not more frequently than once every three years, by an insurance consultant or insurer, selected and paid for by the Redeveloper and approved by the Authority. (ii) Comprehensive general public liability insurance, including personal injury liability (with employee exclusion deleted), and automobile insurance, including owned, non-owned and hired automobiles, against liability for injuries to persons and/or property, in the minimum amount for each occurrence and for each year of $2,000,000.00. (iii) Such other insurance, including worker's compensation insurance respecting all employees of the Redeveloper, in such amount as is customarily carried by like organizations engaged in like activities of comparable size and liability exposure; provided that the Redeveloper may be self-insured with respect to all or any part of its liability for worker's compensation. (c) All insurance required in Article V of this Agreement 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. (d) The Redeveloper agrees to notif'y the Authority immediately in the case of damage exceeding $25,000 in amount to, or destruction of, the Minimum Improvements or any portion thereof resulting from fire or other casualty. In the event of any such damage, the Redeveloper will forthwith repair, reconstruct and restore the Minimum Improvements to substantially the same or an improved condition or value as existed prior to the event causing such damage and, to the extent necessary to accomplish such repair, reconstruction and restoration, the Redeveloper will apply the Net Proceeds of any insurance relating to such damage received by the Redeveloper to the payment or reimbursement of the costs thereof. The Redeveloper shall complete the repair, reconstruction and restoration of the Minimum Improvements, whether or not the Net Proceeds of insurance received by the Redeveloper for such purposes are sufficient to pay for the same. Any Net Proceeds remaining after completion of such repairs, construction and restoration shall be remitted to the Redeveloper. 26 In the event of substantial or total destruction of the Minimum Improvements, the Redeveloper may elect to not repair or reconstruct the Minimum Improvements, in which case the Authority may, as its sole remedy, terminate its obligations under the Notes. (e) The Authority agrees that its rights under this Section relative to the application of Net Proceeds of insurance provided under Section 5. I (a)(i) and (b)(i) and as provided in Section 5.l(d) shall be subordinate to the rights of a Holder of a Mortgage approved by the Authority; provided, that the Authority's right to terminate the Note for a violation of the Redeveloper's obligations under this Section shall not be subordinated to the rights of a Holder. (f) The provisions of this Article V shall tenninate with respect to any residential unit of the Minimum Improvements at such time as that unit is sold to an individual purchaser thereof. 27 ARTICLE VI Taxes; Tax Increment Section 6.1. Real Property Taxes. The Redeveloper shall payor cause to be paid when due and prior to the imposition of penalty all real property taxes and installments of special assessments payable with respect to the Redevelopment Property. The provisions of this section shall terminate with respect to any residential unit of the Minimum Improvements at such time as that unit is sold to an individual purchaser thereof. Section 6.2. Creation of Tax Increment District. The AUthOlity and the City have created the Tax Increment District as a "redevelopment district" as defined in Minnesota Statutes, section 469.174, subd. 10. Section 6.3. Tax Increment. (a) Subject to the limitations contained in the Notes, the AuthOlity pledges to the payment of the Notes the Available Tax Increment. The Redeveloper acknowledges that the Authority has made no warranties or representations to the Redeveloper as to the amounts of Tax Increment that will be generated or that anlounts pledged pursuant to this Section 6.3 will be sufficient to pay the Notes in whole or in part. Nor is the Authority warranting that it will have throughout the term of this Agreement and the Notes the continuing legal ability under State law to apply Tax Increment to the payment of the Notes, which continued legal ability is a condition precedent to the Authority's obligations under the Notes. Tax Increment received by the Authority that is in excess of Available Tax Increment shall be the property of the Authority and the Authority shall be free to use such excess Tax Increment for any purpose for which such Tax Increment may used under the Tax Increment Act. (b) The Authority believes that the Tax Increment District has been created in accordance with State law and that, after modifying the Tax Increment Plan for the Tax Increment District, it will have the legal authority to spend the Tax Increment in accordance with this Agreement. However, it does not warrant the same to the Redeveloper. The Redeveloper has caused to be undertaken on its behalf a review of all actions taken by the City and the Authority in creating the Tax Increment District and in approving this Agreement and has determined to its satisfaction that the Authority's actions under this Agreement are authorized by law. (c) The Redeveloper is aware of the objections raised by the owner of the Acquisition Property to the City's and the Authority's creation of the Tax Increment District. The Redeveloper shall be responsible for the payment of all costs incurred by the Authority or City in responding to such objections and in defending any litigation initiated challenging the creation of the Tax Increment District. If any such litigation or any other litigation is commenced challenging the City's or Authority's ability to proceed with the transactions contemplated by this Agreement, the Authority shall have the right to require the Redeveloper to deposit with the Authority such additional amounts as are 28 detennined by the City's and Authority's legal counsel to be used to pay the Authority's and City's costs incurred. The deposit of such additional amounts is a condition precedent to the Authority's obligations to proceed under this Agreement. 29 ARTICLE VII Financin2 Section 7.1. Financing. Within the deadlines provided herein, the Redeveloper shall submit to the Authority evidence that the Redeveloper has financing sufficient for acquisition of the Redevelopment Property, the construction of the Minimum Improvements and the performance of the Redeveloper's obligations under this Agreement. Evidence of financing for Phase I shall be provided at the times specified in Section 3.2 of this Agreement. With respect to Phases II and III, no later than sixty (60) days before the date set forth in Section 4.3 for the commencement of such Phase, the Redeveloper shall provide to the Authority a firm commitment, acceptable to the Authority sufficient to pay all costs associated with the development of such Phase. If the Authority finds that the financing is sufficiently committed, adequate in amount to provide for the acquisition of the Redevelopment Property and construction of the relevant Phase of the Minimum Improvements, and subject only to such conditions as the Authority may approve then the Authority shall notify the Redeveloper in writing of its approval. Such approval shall not be unreasonably withheld and either approval or rejection shall be given within ten (10) days from the date when the Authority is provided the evidence of financing, or the financing shall be deemed approved. If the Authority rejects the evidence of financing as inadequate, it shall do so in writing specifying the basis for the rejection. In any event the Redeveloper shall submit adequate evidence offmancing within sixty (60) days after such rejection. Section 7.2. Limitation Upon Encumbrance of Propertv. Prior to the completion of the Minimum Improvements, as certified by the Authority, neither the Redeveloper nor any successor in interest to the Redevelopment Property, or any part thereof, shall engage in any financing or any other transaction creating any mortgage or other encumbrance or lien upon the Redevelopment Property, whether by express agreement or operation of law, or suffer any encumbrances or lien to be made on or attach to the Redevelopment Property, except: (a) for the purposes of obtaining funds only to the extent necessary for constructing one or more Phases of the Minimum Improvements (including, but not ,limited to, land and building acquisition, demolition costs, including the purchase price paid, labor and materials, professional fees, real estate taxes, construction interest, organizational and all other soft and indirect costs of development, costs of constructing the Minimum Improvements, marketing and holding costs and an allowance for contingencies); and (b) only updn the prior written approval of the Authority, which approval shall not be unreasonably withheld or delayed. For the purposes of such mortgage financing as may be made pursuant to the Agreement, the Redevelopment Property may, at the option of the Redeveloper (or successor in interest), be divided into several parts or parcels, provided that such subdivision, in the reasonable opinion of the Authority, is not inconsistent with the purposes of this Agreement and is approved in writing by the Authority. 30 ARTICLE VIII Prohibitions Against Assignment and Transfer. Indemnification Section 8.1. Prohibition Against Transfer of Property and Assignment of Agreement. Except as noted below, the Redeveloper represents and agrees that prior to the Maturity Date, the Redeveloper has not made or created, and will not make or create, or suffer to be made or created, any total or paliial 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 herein or therein, or any contract or agreement to do any of the same, without the prior written approval of the Authority, which approval shall not be . unreasonably withheld or delayed. Provided, however, that the foregoing restriction will not apply to anyone or more of the following: (a) Granting a mortgage, security interest or other lien upon the Redevelopment Property for purposes of obtaining financing as contemplated herein including, without limitation, the financing anticipated under Section 7.2 above. (b) A sale of residential units to individual purchasers. ( c) A sale or lease of all or any portion of the approximately 8,800 square feet of commercial space to retail or commercial tenants or users in the ordinary course of business after the completion of Phase I of the Minimwn Improvements. In the absence of specific written agreement by the Authority to the contrary, no such transfer or approval thereof by the Authority shall be deemed to relieve the Redeveloper, or any other party bound in any way by this Agreement or otherwise with respect to the construction of the Minimwn Improvements, from any of its obligations with respect thereto, nor shall Redeveloper or any other party bound by this Agreement be released from any obligations hereunder without the written release by the Authority. Section 8.2. Release and Indemnification Covenants. (a) The Redeveloper releases from and covenants and agrees that the Authority and the governing body members, officers, agents, servants and employees thereof shall not be liable for and agrees to indemnify and hold harmless the Authority and the governing body members, officers, agents, servants and employees thereof against any loss or damage to property or any injury to or death of any person occurring at or about or resulting from any defect in the Minimwn Improvements, other than caused by the willful misconduct or gross negligence of the Authority or its governing body members, officers, agents, servants and employees. (b) Except for any willful misrepresentation, any willful or wanton misconduct, or any grossly negligent actions of the following named parties, the Redeveloper agrees to protect and defend the Authority and the City and the governing body members, officers, agents, servants and employees thereof, now or forever, and 31 further agrees to hold the aforesaid hannless from any claim, demand, suit, action or other proceeding whatsoever by any person or entity whatsoever arising or purportedly arising from this Agreement, or the transactions contemplated hereby or the acquisition, construction, installation, ownership, and operation of the Minimum Improvements. The indemnification obligations of the Redeveloper pursuant to this subsection shall include, but not be limited to, in any event, any pecuniary loss or penalty (including interest thereon from the date that the loss is incurred or penalty paid by the Authority at the rate of interest in the Notes) arising out of the Authority's creation of the Tax Increment District or the issuance and payment of the Notes. ( c) The Authority and the governing body members, officers, agents, servants and employees thereof shall not be liable for any damage or injury to the persons or property of the Redeveloper or its officers, agents, servants or employees or any other person who may be about the Redevelopment Property or Minimum Improvements due to any act of negligence of any person other than the Authority or its governing body members, officers, agents, servants and employees. (d) 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. Section 8.3. Indemnification for Relocation Claims. Without limiting any other provision of this Agreement, the Redeveloper hereby agrees to protect and defend the Authority and the City and the governing body members, officers, agents, servants and employees thereof, now or forever, and further agrees to hold the aforesaid hannless from any claim, demand, suit, action or other proceeding whatsoever by any person or entity whatsoever for relocation benefits or assistance under State or federal law as a result of the Redeveloper's or the Authority's activities under this Agreement. 32 ARTICLE IX Events of Default Section 9.1. Events of Default Defined. The term "Event of Default" shall mean, whenever it is used in this Agreement (unless the context otherwise provides), subject to Unavoidable Delays, any failure by Redeveloper to substantially observe or perform any material covenant, condition, obligation or agreement on its part to be observed or performed hereunder or under the Escrow Agreement. Section 9.2. Authoritv's Remedies on Default. Whenever any Event of Default by Redeveloper referred to in Section 9.1 of this Agreement occurs, the Authority may immediately suspend its perfonnance under the Agreement and the Note until it receives assurances from the Redeveloper, deemed reasonably adequate by the Authority, that the Redeveloper will cure its default and continue its perfonnance under the Agreement and may take anyone or more of the following actions after providing thirty (30) days written notice to the Redeveloper of the Event of Default, but only if the Event of Default has not been cured within said thirty (30) days or if the Event of Default is by its nature incapable of being cured within said thirty (30) days and the Redeveloper has not provided to the Authority evidence reasonably satisfactory to the Authority that the Event of Default will be cured and will be cured as soon as reasonably possible: (a) Terminate this Agreement and/or the Note. (b) Exercise any remedies available to the Authority under the Deed. (c) Take whatever action, including legal, equitable or administrative action, which may appear necessary or desirable to the Authority to collect any payments due under this Agreement, or to enforce perfonnance and observance of any obligation, agreement, or covenant of the Redeveloper under this Agreement. Section 9.3. Revesting of Title in Authoritv. If the Redeveloper fails to COlmnence or complete construction of the Minimum Improvements within the period specified in Section 4.3 of this Agreement the Authority shall have the right to cancel the sale of the Redevelopment Property to the Redeveloper, whereupon title to the Redevelopment Property shall revert to the Authority. Upon revesting title to the Redevelopment Property in the Authority, the Authority will use its best efforts to resell the Redevelopment Property for redevelopment and shall use the proceeds of such a resale to first, reimburse itself for all of its costs incurred in enforcing its rights under this Agreement, making any reimbursement to Redeveloper under this Agreement, in clearing title to the Redevelopment Property and in reselling the Redevelopment Property, and second, to reimburse the Redeveloper for the purchase price paid by the Redeveloper to acquire the Redevelopment Property. The deed from the Authority to the Redeveloper shall convey title to the Redevelopment PropeJ.iy subject to a right of reversion reserved to the Authority as described in this Section. Section 9.4. No Remedv Exclusive. No remedy herein conferred upon or reserved to the Authority or Redeveloper is intended to be exclusive of any other available remedy or remedies, 33 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. In order to entitle the Authority or the Redeveloper to exercise any remedy reserved to it, it shall not be necessary to give notice, other than such notice as may be required in this Article IX. Section 9.5. No Additional Waiver Implied bv One Waiver. In the event any agreement contained in this Agreement should be breached by either party and thereafter waived by the 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 9.6. Costs of Enforcement. 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 of performance or observance of any obligation or agreement on the part of the Redeveloper under this Agreement and the Authority prevails in such action or effort, the Redeveloper agrees that it shall, within thirty (30) days of written demand by the Authority pay to the Authority the reasonable fees of such attorneys and such other expenses so incurred by the Authority. 34 1----. I ARTICLE X Additional Provisions Section 10.1. Representatives Not Individual1v Liable. No member, official, or employee of the. Authority shall be personally liable to the Redeveloper, or any successor in interest, in the event of any default or breach or for any amount which may become due to the Redeveloper or successor on account of any obligations under the terms of the Agreement. Section 10.2. Eaual Employment Opportunity. The Redeveloper, for itself and its successors and assigns, agrees that during the construction of the Minimum Improvements provided for in the Agreement it will comply with all applicable federal, state and local equal employment and non-discrimination laws and regulations. Section 10.3. Restrictions on Use. The Redeveloper agrees for itself, and 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 until the Maturity Date devote the Redevelopment Property to, and only to and in accordance with, the uses specified in this Agreement. Section 1004. Titles of Articles and Sections. Any titles of the several parts, Articles, and Sections of the Agreement are inserted for convenience of reference only and shall be disregarded in construing or interpreting any of its provisions. Section lOA. Notices and Demands. Except as otherwise expressly provided in this Agreement, a notice, demand, or other corrununication under the Agreement by either party to the other shall be sufficiently given or delivered if it is dispatched by registered or certified mail, postage prepaid, return receipt requested, or delivered personally; and (a) in the case of the Redeveloper, is addressed to or delivered personally to the Redeveloper at 15 Sixth Avenue North, Hopkins, MN 55343, with copy to David Kirkman, Ravich Meyer Kirkman, McGrath & Naun:ian, 4545 IDS Center, SO South Sth Street, Minneapolis, MN 55402; and (b) in the case of the Authority, is addressed to or delivered personally to the Authority at 1010 First Street South, Hopkins, Minnesota 55343, with copy to Robert J. Deike, Bradley & Deike, P.A., 4018 West 65th Street, Suite 100, Edina, MN 55436,or at such other address with respect to either such party as that party may, from time to time, designate in writing and forward to the other as provided in this Section. Section 10.5. Disclaimer of Relationships. The Redeveloper acknowledges that nothing contained in this Agreement nor any act by the Authority or the Redeveloper shall be deemed or construed by the Redeveloper or by any third person to create any relationship of third-party beneficiary, principal and agent, limited or general partner, or joint venture between the Authority and the Redeveloper and/or any third party. 35 Section 10.6. Modifications. This Agreement may be modified solely through written amendments hereto executed by the Redeveloper and the Authority. Section 10.7. Counteroarts. This Agreement may be executed in any number of counterparts, each of which shall constitute one and the sanle instrument. Section 10.8. Judicial Interpretation. Should any provision of this Agreement require judicial interpretation, the court interpreting or construing the same shall not apply a presumption that the tenus hereof shall be more strictly construed against one party by reason of the rule of construction that a document is to be construed more strictly against the party who itself or through its agent or attorney prepared the same, it being agreed tllat the agents and attorneys of both parties have participated in the preparation hereof. Section 10.9. Effect of Termination. In the event that this Agreement is terminated pursuant to any provision hereof, including, without limitation, Sections 3.4, 3.5( e), or 9.2 or by cOUli order, all provisions hereof shall tenuinate except that the Redeveloper's representations and agreements under Sections 2.2, Section 3.8 (with respect to costs incurred prior to such tennination) and Section 8.2 and the Authority's representations under Section 2.1 shall survive such tennination and any cause of action arising hereunder prior to such termination shall not be affected. Notwithstanding any termination of this Agreement, the Redeveloper's obligations pursuant to the Escrow Agreement shall continue in effect as provided therein. Section 10.10. Applicable Law. This Agreement shall be interpreted under the laws of tile State of Minnesota. 36 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 in its name and behalf on or as of the date first above written. HOUSING AND REDEVELOPMENT AUTHORITY IN AND FOR THE CITY OF HOPKINS By By GPS DEVELOPMENT, LLC By By STATE OF MINNESOTA ) ) SS. COUNTY OF ) The foregoing instrument was acknowledged before me this _ day of , 2005, by and , the and of the Housing and Redevelopment Authority In and For the City of Hopkins, a public body politic and corporate under the laws of the state of Minnesota. Notary Public STATE OF MINNESOTA ) ) SS. COUNTY OF ) 2005, The foregoing instrument was acknowledged before me this _ day of by and the of GPS Development, LLC, a and Minnesota limited liability company, on behalf of the company. Notary Public 37 SUMMARY OF CONTRACT FOR PRIVATE REDEVELOPMENT BETWEEN HOPKINS HOUSING AND REDEVELOPMENT AUTHORITY AND GPS DEVELOPMENT, LLC The following is a brief summary of the major terms of the above referenced development agreement: l. RedeveloDer. The Redeveloper is GPS Development, LLC, a Minnesota limited liability company. 2. Minimum Improvements. The Redeveloper has acquired certain property and will attempt to acquire other property for the purpose of developing 220 for sale residential units and approximately 7,900 square feet of retail/commercial space. The development wiIl be constructed in three phases. All improvements constructed must confonn to construction plans to be submitted to and approved by the Authority. 3. Authority ACQuisition. If the Redeveloper is unable to acquire a portion of the property needed to construct the Minimum Improvements (the "Acquisition Property") the Authority agrees to exercise its powers of eminent domain to acquire such property. Before the Authority is obligated to commence the eminent domain action the Redeveloper must complete certain actions related to the development. Those actions include: (a) Provide to the Authority a financial plan demonstrating how the Redeveloper will finance the development; (b) Provide to the Authority information necessary for the Authority to undertake a feasibility analysis of the development; (c) Provide to the Authority a construction staging plan and a site plan for the development; Cd) Provide to the Authority a plan for the environmental remediation of the site; (e) Provide to the Authority evidence that the Redeveloper has acquired all parcels of the project site other than the Acquisition Property; (f) Provide to the Authority a finn financing commitment for the first phase of the development and conditional commitments for the other two phases; (g) Complete a preliminary concept review of the development with the City and a process to determine that compliance with the State Building Code is feasible; and (h) Provide to the Authority acceptable organizational documents for the condominium association to be created in cOlmection with residential portion of the development. 4. Authoritv Security. Prior to the Authority's commencement of an eminent domain action to acquire the Acquisition Property the Redeveloper is required to make certain deposits and supply certain bank letters of credit to provide funds to pay the Authority's costs. That security includes: (a) A letter of credit m the amount of the Authority's appraised value of the Acquisition Property; (b) A combination of cash and letter of credit in the amount of relocation payments due to persons displaced as a result of the project, based on an estimate of the Redeveloper's relocation consultant; (c) A deposit to pay the Authority's estimated attorneys' fees and costs related to the eminent domain proceeding; and (d) A deposit to pay the estimated costs of remediating adverse environmental conditions on the Acquisition Property. At the time that the Authority is required to make a deposit with the court of its appraised value of the Acquisition Property, the Redeveloper will be required to make an' additional deposit or supply an additional letter of credit or supply acceptable security in the amount of $3,500,000 to cover the risk that the court award to the owner of the Acquisition Property will be greater than the Authority's appraised value. 5. Timin!!: of Construction. Subject to excused delays, construction of first phase of the development will commence within thirty days after the Redeveloper acquires title to all of the property on which the first phase will be built and will be competed within fourteen months after commencement. Subject to excused delays, Phase II will be commenced by April 1,2007 and completed by June 30, 2008, and Phase III will be commenced by April I, 2008 and completed by June 30, 2009. 6. Public Redevelopment Costs. The Redeveloper is responsible for all aspects of constructing the project and for the initial payment of all costs of construction. However, because of the extraordinary costs of acquisition and site preparation, tax increment financing assistance is necessary to defray a portion of those costs. The Authority agrees to reimburse the Redeveloper for a portion of those costs through the issuance and payment of Notes, as defined in the contract. 7. Issuance of Notes. At the time that the Redeveloper completes each Phase of the improvements and provides the Authority with documentation of tax increment qualified costs the Authority will issue a Note to the Redeveloper. It is anticipated that the principal amount of the Note for Phase I will be $ , for Phase II will be $ and for Phase III will be $ . The Notes will accrue interest at the rate of6.75% per year. The Notes will be payable solely from 95% of the tax increment generated from the Redeveloper's development. The Authority will have no obligation to pay the Notes from any other source. The Authority agrees that it will issue refunding notes to refinance the Notes on tenns available in the public marketplace. If the refunding notes do not generated net proceeds equal to the principal amounts of the Notes, the Authority will issue an excess costs note in the anlOunt of the difference. The contract contains certain limitations on the level of profit that the Redeveloper can derive from the overall development. If after review of the Redeveloper's final project costs the Authority's financial consultant determines that the level of profit exceeds the allowable level, then the principal amounts of the Notes, refunding notes or excess costs notes will be reduced. EHLERS & ASSOCIATES INC To: Jim Kerrigan .- City of Hopkins Kersten Elverum -- City of Hopkins Robert Dieke - Bradley Dieke Sid Inman - Ehlers & Associates July 14, 2005 Risk Analysis for GPS Development Agreement o ~ w :aE cc: From: Date: Subject: As per your request we have reviewed the current draft of the Redevelopment Agreement with GPS Development, LLC and the following are our comments on the question of risks to the HRA. Form of Assistance The HRA will be using Pay As You Go Revenue Notes as a method of raising the funds for the Tax Increment portion of a project. The developer is responsible for first expending the funds to pay for the agreed upon qualified costs. Once the developer has proven that they have paid the qualified cost, the HRA issues Pay As You Go Revenue Notes to the developer. The HRA also pledges the future annual tax increment from the project to pay these notes If in the future the tax increment is not sufficient to cover the annual payment requirement for these notes, it is the developer's responsibly. The HRA has no financial obligation above the future pledged tax increment. But For Finding As part of the agreement the HRA is requiring that the developer provide to the city copies of documents that justify the amount of assistance given. It is assumed that "But For" this assistance, the project will not go forward. In addition, the HRA is requiring a "Look Back" provision that requires that before the HRA issues the notes mentioned above, it will review the same documents but with actual expense and revenue information. In the event the project did better than expected the amount of tax increment assistance will be adjusted down to reflect that change. Administration Costs The method of covering the HRA's legal and consultant costs is through a deposit of funds from the developer. The developer has agreed to deposit with the city funds that will cover the initial cost of the administration of the project. They have also agreed that once those deposits are drawn down below a certain level, the developer will provide additional deposits. There could be an issue if the billings for legal and consultant costs are in process, they exceed the available deposits, and the developer defaults and does not pay. The HRA could be responsible for this amount. This amount would depend on the status of the legal process, where bills are in the process and how much is deposited with the city. Relocation and Environmental Costs The method of covering the HRA's relocation and environmental costs is by requiring the developer to deposit an LEADERS IN PUBLIC FINANCE 3060 Centre Pointe Drive Roseville, MN 55113-1105 Phone: 651.697-8516 Fax: 651-697.8555 rkurt2@ehlers.inc.com t amount equal to the estimates of the costs. The estimates were prepared by third party consultants. In the event the actual amounts spent are higher than the estimates and the HRA needs more funds to pay these costs, the developer has agreed to provide funds to cover those costs. In the event the amounts are higher than the estimates and the developer is in default, the HRA may be responsible for the difference. Land Acquisition Costs The method of covering the HRA's land acquisition costs is by requiring the developer to deposit an amount equal to the estimates of the costs. The estimates were prepared by third party consultants and on recommendations of legal counsel. In the event that the actual amounts spent are higher than the estimates and the HRA needs more funds to pay these costs, the developer has agreed to provide funds to cover those costs. In the event the amounts are higher than- the estimates and the developer is in default, the HRA may be responsible for the difference. Project Phasing Due to its size, the project has been divided into three phases. Prior to proceed ing with any phase the developer has certain activities and actions that must take place. At this time the developer is only guaranteeing that it will proceed with phase I. While there is no economic risk to the HRA, the developer could proceed with phase I and not complete phases II or III. Please let me know if you have questions or comments.