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IV. 1. Contract for Private Redevelopment - 325 Blake Road (HRA2021-09)December 21, 2021 HRA Report 2021-09 CONTRACT FOR PRIVATE REDEVELOPMENT – 325 BLAKE ROAD Proposed Action Staff recommends adoption of the following motion: Move to approve Resolution 543 Approving Contract for Private Redevelopment by and between the City of Hopkins, Hopkins Housing and Redevelopment Authority in and for the City of Hopkins and Alatus Hopkins MD LLC. With this motion, the contract will be executed. It is understood that minor modifications may be made by staff and/or counsel. Overview It has been anticipated that the redevelopment of 325 Blake Road will result in a gap in project financing and that the gap would likely be closed using a combination of grant funds and tax increment financing (TIF). TIF District No.1-6 was created on August 12, 2021, in order to preserve the ability to provide tax increment financing for the development. The Contract for Private Redevelopment commits the City and the Hopkins HRA to provide pay-as-you-go TIF to the developer as reimbursement for eligible costs, according to the terms of the contract. Stacie Kvilvang, Ehlers Public Municipal Advisors, has reviewed project financials throughout the development of the project from concept to land use applications and has confirmed that financial assistance will be needed for the project to move forward. The amount of TIF assistance will be a not to exceed amount for the entire project of $26,600,000. A formal detailed analysis for each project element requesting assistance will be completed as those elements progress forward to construction to determine the level of assistance actually required. TIF would be used to offset the cost of infrastructure, underground parking and affordable housing under terms outlined in the contract for private development. In addition to the commitment of TIF, the agreement holds the developer to specific terms, summarized in the attachment, including an overall 25% affordable housing requirement. Primary Issues to Consider A determination has been made that but for the availability of TIF, the development as proposed would not be able to move forward. The terms were discussed at the December 7, 2021, City Council work session and are substantially the same as presented. Supporting Information • Resolution 543 • Executive Summary • Contract for Private Redevelopment – 325 Blake Road ___________________________ Kersten Elverum Director of Planning & Development Financial Impact: $26,600,000__________Budgeted: Y/N __Y__ Source: TIF 2-11 & TIF 1-5 1 DOCSOPEN\HP145\47\769462.v1-12/16/21 JOINT RESOLUTION OF THE HOUSING AND REDEVELOPMENT AUTHORITY IN AND FOR THE CITY OF HOPKINS AND THE CITY OF HOPKINS THE CITY OF HOPKINS HENNEPIN COUNTY STATE OF MINNESOTA HRA RESOLUTION NO. 543 CITY RESOLUTION NO. 2021-101 JOINT RESOLUTION APPROVING CONTRACT FOR PRIVATE DEVELOPMENT AND ISSUANCE OF TAX INCREMENT NOTES WHEREAS, the Housing and Redevelopment Authority in and for the City of Hopkins (the “HRA”) previously found that there exists within the community a building that had a blighting influence on surrounding properties and is structurally substandard due to their poor physical condition or functional obsolescence and which, because of those conditions, threaten the health, safety and welfare of the community; and WHEREAS, the HRA has previously caused demolition of a building located at the Redevelopment Property as hereinafter defined; and WHEREAS, the HRA finds that it is in the public interest, helpful for the tax base and beneficial for the health, safety and welfare of the community as a whole to remove vacant, underutilized, obsolete, and structurally substandard buildings and to replace them with new life- cycle housing and ancillary commercial uses; and WHEREAS, the HRA finds that, due to market conditions which exist today and are likely to persist for the foreseeable future, the private sector alone is not able to accomplish redevelopment of the type needed within the community and, therefore, such will not occur without public intervention; and WHEREAS, the HRA was created pursuant to Minnesota Statutes, Sections 469.001- 469.047 (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 the Act; and WHEREAS, in order to foster the redevelopment described above, the City established its Redevelopment Project No. 1, as defined in the Act, providing for the development and redevelopment of certain areas located within the City (which redevelopment project is hereinafter referred to as the “Project”), to implement the goals and objectives thereof, all pursuant to the Act; and WHEREAS, the Redeveloper has presented to the HRA a proposal wherein the 2 DOCSOPEN\HP145\47\769462.v1-12/16/21 Redeveloper will redevelop 325 Blake Road North (the “Redevelopment Property”) through the construction on the Redevelopment Property of multiple buildings containing approximately 800 multi-family units, with 688 units of apartments, and 112 senior cooperative units, with the affordability levels within each building specified below in Section 4.5; construction of approximately 33 for sale town homes, 8,000 sq. ft. of ground floor retail, 1,000 sq. ft. sky lounge and two (2) 4,500 sq. ft. standalone restaurant pads; with Total Development Costs estimated to be approximately $330,000,000; and WHEREAS, as part of its proposal the Redeveloper has requested that the City and HRA create a tax increment financing district encompassing the Redevelopment Property and use a portion of the tax increment generated from the redeveloped Redevelopment Property to reimburse the Redeveloper for a portion of the Redeveloper's redevelopment costs; and WHEREAS, the City and HRA established Tax Increment Financing District No. 1-6: 325 Blake (a “redevelopment district”) and adopted a tax increment financing plan related thereto, all pursuant to Minnesota Statutes, sections 469.174 through 469.1799; and WHEREAS, the Redeveloper has proposed to redevelop the Redevelopment Property through a project which the HRA believes is in the vital and best interests of Hopkins 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 for which the Project and Tax Increment Financing District No. 1-6: 325 Blake were established; and WHEREAS, the Redeveloper would not undertake the redevelopment of the Project without the tax increment financing assistance described in this Agreement; and WHEREAS, the HRA believes that the redevelopment of the Project 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 WHEREAS, there has been presented before the City Council and the HRA Board a Contract for Private Development (the “Agreement”) proposed to be entered into between the HRA, the City and the Developer setting forth the terms of the development of the Minimum Improvements; and WHEREAS, pursuant to the Agreement, the HRA has proposed to issue Tax Increment Revenue Notes (the “TIF Notes”) to reimburse the Developer for certain qualified costs related to the Minimum Improvements (the “Qualified Public Development Costs”). NOW THEREFORE, BE IT RESOLVED by the City Council of the City of Hopkins and the Board of the Housing and Redevelopment Authority in and for the City of Hopkins as follows: 1. The Agreement. The Board and Council approve the Agreement in substantially the form 3 DOCSOPEN\HP145\47\769462.v1-12/16/21 on file in City Hall. The President and Executive Director are hereby authorized and directed to execute and deliver the Agreement. The Mayor and City Manager are hereby authorized and directed to execute and deliver the Agreement. All of the provisions of Agreement, when executed and delivered as authorized herein, shall be deemed to be a part of this resolution as fully and to the same extent as if incorporated verbatim herein and shall be in full force and effect from the date of execution and delivery thereof. The Agreement is hereby in all respects authorized, approved and confirmed by the HRA and the President and the Executive Director are hereby authorized and directed to execute and deliver the Agreement for and on behalf of the HRA in substantially the form now on file with the HRA, but with such modifications as shall be deemed necessary, desirable or appropriate, its execution thereof to constitute conclusive evidence of their approval of any and all modifications therein. The Agreement is hereby in all respects authorized, approved and confirmed by the City and the Mayor and City Manager are hereby authorized and directed to execute and deliver the Agreement for and on behalf of the City in substantially the form now on file with the City, but with such modifications as shall be deemed necessary, desirable or appropriate, its execution thereof to constitute conclusive evidence of their approval of any and all modifications therein. 2. The TIF Note. 2.01. The HRA hereby approves and authorizes the President and Executive Director to execute the TIF Notes. The HRA hereby delegates to the Executive Director the determination of the dates on which any TIF Notes are to be delivered, in accordance with the Agreement. 2.02. The TIF Notes shall be in substantially the form set forth in the Agreement, with the blanks to be properly filled in and the principal amount and payment schedule adjusted as of the date of issue. 2.03. The TIF Notes shall be issued as a single typewritten notes numbered R-1. The TIF Notes shall be issuable only in fully registered form. Principal of the TIF Notes shall be payable by check or draft issued by the registrar described herein. Principal of the TIF Notes shall be payable by mail to the owner of record thereof as of the close of business on the fifteenth day of the month preceding the Payment Date (as defined in the Agreement), whether or not such day is a business day. 2.04. The HRA hereby appoints the Executive Director to perform the functions of registrar, transfer agent and paying agent (the “Registrar”). The effect of registration and the rights and duties of the HRA and the Registrar with respect thereto shall be as follows: (a) The Registrar shall keep at its office a bond register in which the Registrar shall provide for the registration of ownership of the TIF Notes and the registration of transfers and exchanges of the TIF Notes. 4 DOCSOPEN\HP145\47\769462.v1-12/16/21 (b) Upon surrender for transfer of the TIF Notes duly endorsed by the registered owner thereof or accompanied by a written instrument of transfer, in form reasonably satisfactory to the Registrar, duly executed by the registered owner thereof or by an attorney duly authorized by the registered owner in writing, the Registrar shall authenticate and deliver, in the name of the designated transferee or transferees, new Notes of a like aggregate principal amount and maturity, as requested by the transferor. Notwithstanding the foregoing, the TIF Notes shall not be transferred to any person other than an affiliate, or other related entity, of the Developer unless the HRA has been provided with an investment letter in a form substantially similar to the investment letter submitted by the Developer or a certificate of the transferor, in a form satisfactory to the HRA, that such transfer is exempt from registration and prospectus delivery requirements of federal and applicable state securities laws. The Registrar may close the books for registration of any transfer after the fifteenth day of the month preceding each Payment Date and until such Payment Date. (c) The TIF Notes surrendered upon any transfer shall be promptly cancelled by the Registrar and thereafter disposed of as directed by the HRA. (d) When the TIF Notes are presented to the Registrar for transfer, the Registrar may refuse to transfer the same until it is satisfied that the endorsement on such TIF Notes or separate instrument of transfer is legally authorized. The Registrar shall incur no liability for its refusal, in good faith, to make transfers which it, in its judgment, deems improper or unauthorized. (e) The HRA and the Registrar may treat the person in whose name the TIF Notes is at any time registered in the bond register as the absolute owner of the TIF Notes, whether the TIF Notes shall be overdue or not, for the purpose of receiving payment of, or on account of, the principal of such TIF Notes and for all other purposes, and all such payments so made to any such registered owner or upon the owner’s order shall be valid and effectual to satisfy and discharge the liability of the HRA upon such TIF Notes to the extent of the sum or sums so paid. (f) For every transfer or exchange of the TIF Notes, the Registrar may impose a charge upon the owner thereof sufficient to reimburse the Registrar for any tax, fee, or other governmental charge required to be paid with respect to such transfer or exchange. (g) In case any TIF Notes shall become mutilated or be lost, stolen, or destroyed, the Registrar shall deliver new TIF Notes of like amount, maturity dates and tenor in exchange and substitution for and upon cancellation of such mutilated TIF Notes or in lieu of and in substitution for such TIF Notes lost, stolen, or destroyed, upon the payment of the reasonable expenses and charges of the Registrar in connection therewith; and, in the case the TIF Notes are lost, stolen, or destroyed, upon filing with the Registrar of evidence satisfactory to it that such TIF Notes were lost, stolen, or destroyed, and of the ownership thereof, and upon furnishing to the 5 DOCSOPEN\HP145\47\769462.v1-12/16/21 Registrar of an appropriate bond or indemnity in form, substance, and amount satisfactory to it, in which both the HRA and the Registrar shall be named as obligees. The TIF Notes so surrendered to the Registrar shall be cancelled by it and evidence of such cancellation shall be given to the HRA. If the mutilated, lost, stolen, or destroyed TIF Notes have already matured or been called for redemption in accordance with its terms, it shall not be necessary to issue new TIF Notes prior to payment. 2.05. The TIF Notes shall be prepared under the direction of the Executive Director and shall be executed on behalf of the HRA by the signatures of its President and Executive Director. In case any officer whose signature shall appear on the TIF Notes shall cease to be such officer before the delivery of the TIF Notes, such signature shall nevertheless be valid and sufficient for all purposes, the same as if such officer had remained in office until delivery. When the TIF Notes have been so executed, it shall be delivered by the Executive Director to the Developer thereof in accordance with the Agreement. 3. Security Provisions of the TIF Notes. 3.01. The HRA hereby pledges to the payment of the principal of the TIF Notes all Available Tax Increment (as defined in the Agreement). Available Tax Increment shall be applied to payment of the principal of the TIF Notes in accordance with the terms of the form of TIF Notes. 3.02. Until the date the TIF Notes are no longer outstanding and no principal thereof (to the extent required to be paid pursuant to this resolution) remains unpaid, the HRA shall maintain a separate and special “Bond Fund” to be used for no purpose other than the payment of the principal of the TIF Notes. The HRA irrevocably agrees to appropriate to the Bond Fund in each year Available Tax Increment, subject to the terms of the Agreement. Any Available Tax Increment remaining in the Bond Fund shall be transferred to the HRA’s account for the TIF District upon the payment of all principal to be paid with respect to the TIF Notes. 4. Miscellaneous. 4.01. The officers of the HRA are hereby authorized and directed to prepare and furnish to the Developer certified copies of all proceedings and records of the HRA, and such other affidavits, certificates, and information as may be required to show the facts relating to the legality and marketability of the TIF Notes as the same appear from the books and records under their custody and control or as otherwise known to them, and all such certified copies, certificates, and affidavits, including any heretofore furnished, shall be deemed representations of the HRA as to the facts recited therein. 4.02. The President and Executive Director are authorized and directed to execute and deliver the Agreement and any additional agreements, certificates or other 6 DOCSOPEN\HP145\47\769462.v1-12/16/21 documents that the HRA determines are necessary to implement this Resolution. 4.03. The Mayor and City Manager are authorized and directed to execute and deliver the Agreement and any additional agreements, certificates or other documents that the City determines are necessary to implement this Resolution. 4.04. The HRA and the City direct HRA and City staff to take any appropriate action and to prepare any appropriate documents to facilitate the directives of the HRA and the City as set forth in this Resolution and in performing their obligations under the Agreement as a whole. 4.05. The President, Executive Director, HRA, the City and HRA and City staff, HRA and City attorney, and HRA and City consultants are hereby authorized and directed to take any and all additional steps and actions necessary or convenient in order to accomplish the intent of this Resolution. 4.06. This Joint Resolution shall be effective upon full execution of the Agreement. Approved by the Board of Commissioners of the Hopkins Housing and Redevelopment Authority this 21st day of December, 2021 ___________________________________ Jason Gadd President Attest: Mike Mornson Executive Director Adopted by the City Council of the City of Hopkins this 21st day of December, 2021. By: ___________________________ Jason Gadd, Mayor ATTEST: _______________________________ Amy Domeier, City Clerk Executive Summary Following is a redlined version of the updated terms of the Contract for Private Redevelopment for 325 Blake Road. 1. Developer: Alatus Hopkins MD LLC IDS Center 80 South 8th Street, Suite 4155 Minneapolis, MN 55402 Attn: Robert Lux 2. Property: 325 Blake Road North (PID# 19-117-21-14-0002) 3. Legal Description of Property: A portion of the property legally described below that is to be platted as MILE 14 ON MINNEHAHA CREEK: PARCEL 1: Lot 74, Auditor's Subdivision No. 239, Hennepin County, Minnesota, except that part of said Lot 74 which is designated and delineated as Parcel 29, Hennepin County Right of Way Map No. 2, according to the plat thereof on file or of record in the office of the County Recorder in and for said County. (Torrens Property, Certificate of Title No. 1341193) PARCEL 2: That part of Lot 97, Auditor's Subdivision No. 239, Hennepin County, Minnesota, described as follows: Beginning at the point of intersection of the East line of Monck Avenue, (as shown on the recorded plat of said subdivision), with the most Northerly right of way line of The Minneapolis & St. Louis Railway Company; thence in a Northeasterly direction along said Northerly right of way line, a distance of 845 feet to a point; thence South parallel with and 845 feet from the East line of Monck Avenue, (as shown on the recorded plat of said subdivision), a distance of 14.48 feet to a point; thence in a Southwesterly direction parallel with and 13 feet from the most Northerly right of way line, a distance of 845 feet to a point on said East line of Monck Avenue, (as shown on the recorded plat of said subdivision); thence North along said East line of Monck Avenue, (as shown on the recorded plat of said subdivision), a distance of 14.48 feet to the point of beginning, except that part of said Lot 97 which is designated and delineated as Parcel 29A, Hennepin County Right of Way Map No. 2, according to the map thereof on file and of record in the office of the County Recorder in and for Hennepin County, Minnesota, all being located in the Southeast Quarter of the Northeast Quarter of Section 19, Township 117 North, Range 21 West of the 5th Principal Meridian. (Abstract Property) 4. Acquisition of Property: The property located at 325 Blake Road North (the “Property”) is privately owned. The Developer will secure a Purchase Agreement for approximately 12.75 acres of the Property in which they will close in two phases. The purchase price for the Property is $11,250,000 of which Phase I purchase price is $8,000,000 and Phase II purchase price is $3,250,000. The Developer agrees to close on the acquisition of Phase I of the Third-Party Property by June 30, 2023. Developer agrees to close on Phase II of the Third-Party Property by December 31, 2024. 5. Minimum Improvements: Construction of multiple buildings containing approximately 805 multi- family units, with 693 units of apartments, and approximately 112 Sr. Cooperative units with affordable levels within each building noted in the table below: Bldg C Market Rate Bldg D Mixed Income Bldg A LIHTC Bldg B Sr. Coop Total % Affordable of TOTAL Units No. of Units 389 192 112 112 805 N/A 50% AMI 0 0 112 0 112 14% 60% AMI 0 38 0 12 50 6% 80% AMI 0 38 0 0 38 5% Total Affordable 0 76 112 12 200 25% % Affordable by Building 0% 40% 100% 11% 25% In addition, construction of 33 for sale town homes, 8,000 sq. ft. of ground floor retail, 1,000 sq. ft. sky lounge and two (2) 4,500 sq. ft. standalone restaurant pads. Details of each Phase are noted below in the table. Total Development Costs are estimated to be approximately $330,000,000. Phase Use Phase IA – Building C Single building with a 14-Story component consisting of approximately 214-units of market rate apartments with up to 15% of the units designated as hotel units, approximately 8,000 sq. ft. of ground floor retail and a 1,000 sq/ft sky lounge and a 5-story component consisting of approximately 175-units of market rate apartments and approximately 520 above-ground parking stalls. Also includes gateway plaza, cascade promenade and tower plaza available for public use. Phase IB – Building D 5-Story building with approximately 192-units of mixed income apartments in which 20% of the units (38) are affordable at or below 60% AMI and 20% of the units (38) are affordable at or below 80% AMI plus approximately 277 above-ground parking stalls. Also includes woonerf available for public use. Phase IC Two single-story 4,500 sq. ft. restaurant pads and greenway commons, 1,400 sq. ft. boathouse and rental center and pavilion, with the greenway commons and pavilion available for public use Phase ID – Building B 5-Story building with approximately a 112-unit senior cooperative, in which 12 units (approximately 11%) are affordable to persons at or below 60% AMI Phase IE – Town Homes Approximately 33 for-sale town home units Phase IIA – Building A 5-Story building with approximately a 112-Unit LIHTC apartments with 100% of the units affordable at or below 50% of AMI and approximately 110 underground parking stalls. Also includes entry plaza available for public use. 6. Construction Schedule: Commence construction of each Phase by the Commencement Date, and substantially complete construction of each Phase by the Completion Date as set forth below. For the purpose hereof, “Commence” shall mean beginning of physical improvement to the Property for the respective Phase, including excavation, or footings and in the case of Phase I, mass grading other physical site preparation work. “Complete” shall mean that the Minimum Improvements are sufficiently complete for the issuance of a Certificate of Occupancy. Phase Commencement Date Completion Date Phase IA – Building C December 31, 2022 June 30, 2025 Phase IB – Building D December 31, 2022 June 30, 2025 Phase IC December 31, 2023 June 30, 2026 Phase ID - Building B December 31, 2024 June 30, 2027 Phase IE – Town Homes December 31, 2023 June 30, 2026 Phase IIA – Building A December 31, 2025 June 30, 2028 The Developer and the Authority agree that the dates for each Phase of the construction schedule may be revised based upon timing of actual construction schedules, financing, market conditions, etc. Revisions to the dates of each Phase of the construction schedule shall not require approval or further action by the Authority and may be approved administratively by staff and legal counsel, so long as such revisions are no more than 18 months from each Phase of the construction schedule as noted above. Any revision to the dates beyond 18 months for each Phase in the construction schedule shall require renegotiation between the parties. 7. Affordability Covenants Phase IC – Building B: Developer covenants to make at least 10% of the Phase IC – Building B units constructed to be “affordable” and agrees that they are subject to the following affordability covenants: (a) Twelve (12) cooperative Housing Units (the “Affordable Housing Units”) must be initially sold (as a membership interest in the cooperative) to owner-occupants with household income not to 60% ($62,940) of the Minneapolis-St. Paul metropolitan statistical area (the “Metro Area”) median income for the calendar year in which the Developer receives a certificate of occupancy. The Affordable Housing Units will be equally distributed throughout the building and floors. Each owner- occupant of the Affordable Housing Units will be required to pay a pro rata share of ongoing operating expenses of the cooperative. Future transfers of the Affordable Housing Units (or the membership interests in the cooperative representing the Affordable Housing Units) will be restricted to maintain the ability of future buyers to purchase the Affordable Housing Units at affordable prices for thirty (30) years following the first purchase of each of the Affordable Housing Units pursuant to the Affordable Housing Agreement described below. (b) Upon or before closing on the initial sale of each affordable Housing Unit to any person, the Developer shall deliver or cause to be delivered written evidence satisfactory to the Authority of compliance with the covenants. Such evidence shall include, at a minimum, a fully executed purchase agreement and certificate of real estate value, certification by the buyer that he or she intends to occupy the Housing Unit, and evidence of the buyer’s household income determined in accordance with Metropolitan Council’s affordability limits for ownership; provided that income shall be determined as of the date of application for acquisition financing. (c) The Authority and its representatives shall have the right at all reasonable times while the covenants are in effect, after reasonable notice to inspect, examine and copy all books and records of the Developer and its successors and assigns relating to the covenants. (d) The Developer shall execute with the Authority an agreement in recordable form and satisfactory to the Authority, that substantially reflects the covenants (the “Affordable Housing Agreement”) before the Developer obtains its financing. The Affordable Housing Agreement shall include reasonable reporting and monitoring requirements as necessary to ensure compliance with the covenants therein, and shall be recorded by the Developer, at its cost, against the appropriate portion of the Development Property on which the subject affordable Housing Units are to be constructed. Failure to enter into, record or comply with the Affordable Housing Agreement in accordance with this Section shall be an Event of Default. If the Developer fails to comply with this Article or with the covenants of the Affordable Housing Agreement, the Developer will reimburse the Authority for any reasonable attorney fees incurred by the Authority in an effort to gain the Developer’s compliance with this Article or with the covenants of the Affordable Housing Agreement. 8. Affordability Covenants Phase IIA – Building A and IIB – Building D: Developer agrees that the Minimum Improvements are subject to the following affordability covenants: (a) The Developer expects that the Phase IIA – Building A and Phase IIB – Building D Minimum Improvements will include the mix of rental housing units as noted in the table above. These units constitute approximately 27% of the overall rental units. In addition the Developer will apply to applicable agencies for project based housing choice vouchers. The Developer will be required to enter into a Declaration of Restrictive Covenants that will cause the affordable restrictions to remain in effect for a thirty (30) year period. On the date of execution of the TIF Agreement, the Developer will deliver an executed Declaration to the Authority in recordable form. (b) The Developer agrees to distribute the affordable Rental Housing Units among the different Rental Housing Unit types throughout the building and floors. (c) The Developer intends to rent parking spaces in the underground garage to tenants of the Minimum Improvements for approximately $75 to $150 per parking space per month initially. The Developer agrees that the monthly rental rate charged for each underground parking space will be the same for all tenants of the applicable Phase within the Minimum Improvements. (d) During the term of the Declaration, the Developer shall not adopt any policies specifically prohibiting or excluding rental to tenants holding certificates/vouchers under Section 8 of the United States Housing Act of 1937, as amended, codified as 42 U.S.C. Sections 1401 et seq., or its successor because of such prospective tenant’s status as such a certificate/voucher holder. (e) The Developer will promptly notify the Authority if at any time during the term of the Declaration the number of Rental Housing Units in the Minimum Improvements occupied by Qualifying Tenants (as defined in the Declaration) or held vacant and available for occupancy by Qualifying Tenants pursuant to the Declaration are fewer than the number required by the terms of the Declaration. (f) The Authority and its representatives will have the right at all reasonable times during normal business hours while the covenants in this Section are in effect, after reasonable notice to inspect, examine and copy all books and records of the Developer and its successors and assigns relating to the covenants described in this Section and in the Declaration. (g) The Developer must submit evidence of tenant incomes, showing that the Phase IIA – Building A and Phase IIB – Building D Minimum Improvements meet the income requirements set forth in the Declaration by April 1st of each year. The Authority will review the submitted evidence related to the income restrictions and to the extent the thresholds are not met, the Authority will withhold the TIF payment for that time period. 9. Affordable Housing Reporting Phase IIA – Building A and IB – Building D: At least annually, no later than April 1 of each year commencing on the April 1 first following the issuance of the Certificate of Completion for the applicable Phase Minimum Improvements, the Developer shall provide a report to the Authority evidencing that the Developer complied with the income affordability covenants during the previous calendar year. The income affordability reporting shall be on the form entitled “Tenant Income Certification” from the Minnesota Housing Finance Agency (MHFA HTC Form 14), or if unavailable, any similar form. The Authority may require the Developer to provide additional information reasonably necessary to assess the accuracy of such certification. Unless earlier excused by the Authority, the Developer shall send affordable housing reports to the Authority until the Declaration terminates. 10. Change in Construction Plans: If the Developer desires to make any material change in the Construction Plans after their approval by the Authority, the Developer shall submit the proposed change to the Authority for its approval. The term “material” means a change in the Construction Plans that will have a material adverse effect on the generation of Tax Increment from the Minimum Improvements or that materially reduces the number of Housing Units, or change in the exterior elements of the applicable Phase that affects the original character and visual preference that was approved by the City and HRA. 11. City Public Improvements: Construction of the Spine Road between Blake Road and Lake Street: The Developer shall construct the City Public Improvements by June 30, 2025, in accordance with plans and specifications approved by the City. The City may inspect the City Public Improvements as the improvements are being constructed and the Developer will dedicate the City Public Improvements to the City upon completion. 12. Homeowners’ Associations and Restrictive Covenants: The Authority acknowledges that the Developer may utilize deed restrictions, covenants, agreements, architectural controls, homeowners’ associations (HOA) and other means to control the use and to ensure the maintenance of the land within the Project. No such instruments shall adversely affect the rights of the City or Authority under this Agreement, without their consent, which consent shall not be unreasonably withheld. The Developer shall submit any such instruments to the City and Authority for their review and comment. For Phase ID (for sale town homes) the HOA documents should have a stipulation on the number of rental units allowed. The stipulation is at the discretion of the HOA and applicable laws governing HOA’s and shall be submitted to the Authority for their review and comment. 13. Maintenance: The Developer and the Authority agree that the Applicable Developer or HOA shall be responsible for all maintenance (including snow and ice removal) and repair costs associated with the Private Improvements on the Property including: • Driveways, service drives, and surface parking stalls. • Parking structure • Sidewalks • Streetlights • Landscaping • Streetscape improvements • Storm water ponding • Bicycle Parking • Plazas • Pavilion • Cascade promenade • Greenway commons Developer shall not be responsible for the maintenance and repair of the Spine Road. 14. Reciprocal Easement and Operating Agreement: The Developer and City will enter into a mutually acceptable reciprocal easement and operating agreement (the “REOA”) or other easement agreements to include, without limitation, the following key terms: (a) Developer and/or City responsibility for maintenance and operation of the private applicable Phase Minimum Improvements, road network, and other City Public Improvements, with such costs being allocated to and among Developer, the City and/or any other owners of applicable Phase Minimum Improvements; (b) perpetual public access easements and perpetual drainage and utility easements, in each case, over the applicable City Public Improvements and at no cost to the City; (c) perpetual license or public access easements for greenway commons, pavilion or other private areas that provide public benefit that the City and Developer deem appropriate. 15. TIF District: The City established TIF District 1-6 (325 Blake) on August 17, 2021. 16. Public Assistance: Subject to all terms and conditions of the TIF Agreement, the Authority shall provide the Developer with up to $ 26,600,000 in public assistance for Qualified Costs and Public Improvements noted in #11. Currently it is anticipated that approximately $3,750,000 will be from TIF Spending Plan funds from TIF District 2-11 and provided up front to pay for costs associated with the Public Improvements and some private outdoor improvements that provide a benefit to the general public as part of Phase I development. In addition, the Authority will reimburse the Developer with Tax Increment generated from the applicable Phase Minimum Improvements for the remaining amount up to a principal amount of $22,850,000 (Present Value). The HRA will complete an analysis of the applicable Phase when construction is ready to commence to determine the amount and term of the assistance to be provided to that Phase. Payments from TIF District 1- 6 (325 Blake) will be made through one or more TIF Notes (the “Notes”) issued on a pay-as-you- go basis for an applicable Phase assuming up to 95% of increment at the rate of the lesser of 4% or the Developers actual financing rate. The Notes will be issued upon completion of the Public Improvements, issuance of a CO and proof of expenditure related to the Qualified Costs for each respective Phase. At the Authority’s discretion, the parcels containing Phase IB, Phase IC – Building B and Phase ID may be decertified from the TIF district as development commences since no assistance is required for those Phases. 17. Look Back: The Authority will complete a lookback for each applicable Phase that receives TIF assistance. This language is still being finalized and will likely be based upon reduction based upon Total Development Costs. 18. Fees: The City acknowledges the Developer made an escrow deposit of $25,000 for out-of-pocket expenses for legal and financial consultant services related to TIF district creation, drafting, negotiation and approval of the Development Agreement, analysis, and administrative fees associated with this transaction. This includes costs related to the above incurred to date as well as future expenditures. The Developer will be required to deposit additional funds if the initial deposit is fully drawn. The Developer shall pay all other normal and customary City fees and expenses for the approval and construction of the Minimum Improvements. 19. Minimum Assessment Agreement: Developer and Authority will enter into a Minimum Market Value Assessment Agreement (MAA) setting a minimum property tax value for the rental portions of the various Phases as noted below: Phase Amount Date Phase IA – Building C $105,030,000 January 2, 2025 for payable 2026_ Phase IIA – Building A $25,990,000 January 2, 2026 for payable 2027 Phase IB – Building D $44,880,000 January 2, 2025 for payable 2026 The Developer and the Authority agree that the dates for the applicable Phase MAA may be revised based upon timing of actual construction schedules. Revisions to the dates of the applicable Phase MAA and execution thereof shall not require approval or further action by the Authority and can be completed administratively by staff and legal counsel, so long as such revision is no more than 18 months from the applicable Phase MAA as noted in the above schedule. Any revisions to the dates beyond 18 months for the applicable Phase MAA shall require renegotiation between the parties. The Assessment Agreement shall terminate on the Termination Date of each TIF Note. 20. 4d Tax Classification: The Developer will be applying for 4d tax classification status for 100% of Phase IIA – Building A and 20% of the units on Phase IIB- Building D. 21. Taxes: Developer agrees for itself and its successors and assigns that prior to the end term of the Note it will not: (a) Cause a reduction in real property taxes paid; (b) Transfer the property or any Phases to an entity that would result in the Minimum Improvements being exempt from property taxes; (c) Will not seek tax exemption, deferral or abatement for the Minimum Improvements; (d) If Developer brings a petition challenging a Market Value determination exceeding the minimum value established in the Assessment Agreement, the Developer must inform the Authority of such petition. The Authority will pay principal and interest on the TIF Note only to the extent of Available Tax Increment attributable to the minimum value until final resolution of such petition. Upon resolution of Redeveloper’s tax petition, any Available Tax Increment deferred and withheld will be paid, without interest thereon, to the extent payable under the assessor’s final determination of Market Value. 22. Public Art: Developer is obligated to expend at least $250,000.00 for public artwork to be placed in a prominent location on the Property, on the exterior of the Minimum Improvements. Prior to its installation, the public artwork shall be approved by the City, which approval shall not be unreasonably withheld. The artwork shall be installed prior to issuance of the certificate of occupancy for the project. 23. Park Dedication: The Developer will pay applicable park dedication fees to the City at the time of issuance of a building permit for any applicable Phase. The City agrees that when a building permit is pulled for any Phase, the Developer’s park dedication payment (which may be required by the City in lieu of land dedication) will be calculated based on the City’s park dedication fees that are in existence as of the effective date of this Agreement and, unless otherwise agreed to by the parties in the future, said payments shall be made at the time of issuance of a building permit for the applicable Phase, as the case may be. The current park dedication fee for multiple family residential subdivisions is $3,000 per unit while the commercial fee is an amount equal to five (5) percent of the fair market value of the commercial land as estimated by the county assessor. Park dedication fees are typically due with final plat approval. 24. Business Subsidy: The Developer and the Authority agree that any assistance provided to the Redeveloper under the Contract does not constitute a “business subsidy” under Minnesota Statutes because the assistance is for redevelopment. 25. Miscellaneous: (a) No transfer of Property or Development Agreement without EDA consent which will not be unreasonably withheld; (b) Developer will retain a management company with experience in the management of multifamily rental housing developments, subject to reasonable approval by the Authority; (c) Grants: The Developer has applied for Metropolitan Council TOD Grant of $1,250,000. The Authority and Developer expect to apply for Hennepin County TOD Grant funding in January and MN DEED Redevelopment Grant funding as well. These grants have been accounted for in the Developers Proforma. Any other future grants beyond these for any future applicable Phase that are received will reduce the principal amount of the TIF Note(s) for the applicable Phase; 26. Commercial Space in Phase IA – Building C and Phase IB: The intent is to create opportunities for neighborhood serving commercial apace for small business including minority owned, or operated, and locally or regionally owned or operated businesses. The Authority and Developer agree to collaborate to accomplish the goal of providing up to 50%, with a minimum requirement of 40%, of the 17,000 square feet of Commercial Space available to these users. The outcomes of the collaboration will be outlined in a business plan approved by staff and the Developer. 27. Rent Control Provision: The City, HRA and Redeveloper agree that any rental units within any phase at the Redevelopment Property shall be excluded from any future adopted rent control provisions. DRAFT 12.17.2021 HP145\47\767778.v9 CONTRACT FOR PRIVATE REDEVELOPMENT By and Between CITY OF HOPKINS and HOUSING AND REDEVELOPMENT AUTHORITY IN AND FOR THE CITY OF HOPKINS and ALATUS HOPKINS MD LLC This document drafted by: KENNEDY & GRAVEN, CHARTERED (SJR) 150 South Fifth Street, Suite 700 Minneapolis, MN 55402 (612) 337-9300 DRAFT 12.17.2021 i HP145\47\767778.v9 TABLE OF CONTENTS PAGE PREAMBLE ....................................................................................................................................1 ARTICLE I Definitions Section 1.1. Definitions................................................................................................................2 Section 1.2. Exhibits ...................................................................................................................7 Section 1.3. Rules of Interpretation .............................................................................................7 Section 1.4. Incorporation of Recitals and Exhibits ....................................................................7 ARTICLE II Representations and Warranties Section 2.1. Representations by the City and the HRA ...............................................................8 Section 2.2. Representations and Warranties by the Redeveloper ...............................................8 ARTICLE III Acquisition of Redevelopment Property; Redevelopment Assistance Section 3.1. Acquisition of Redevelopment Property ..................................................................9 Section 3.2. Issuance of Pay-As-You-Go Note .........................................................................10 Section 3.3. Conditions Precedent to Issuance of Note .............................................................10 Section 3.4. Potential Reduction of Assistance .........................................................................11 Section 3.5 Redeveloper Responsible for Payment of Administrative Costs ...........................11 Section 3.6. Records ..................................................................................................................11 Section 3.7. Purpose of Assistance; No Business Subsidy ........................................................12 ARTICLE IV Construction of Minimum Improvements Section 4.1. Construction of Minimum Improvements .............................................................12 Section 4.2. Preliminary and Construction Plans.......................................................................12 Section 4.3. Commencement and Completion of Construction .................................................13 Section 4.4. Certificate of Completion ......................................................................................13 Section 4.5. Housing Affordability Covenants ..........................................................................14 Section 4.6. Affordable Housing Reporting ..............................................................................16 Section 4.7. City Public Improvements .....................................................................................17 Section 4.8. Homeowners’ Associations and Restrictive Covenants ........................................17 Section 4.9. Maintenance ...........................................................................................................17 Section 4.10. Reciprocal Easement and Operating Agreement ...................................................18 DRAFT 12.17.2021 ii HP145\47\767778.v9 PAGE ARTICLE V Insurance Section 5.1. Insurance ................................................................................................................18 Section 5.2 Subordination .........................................................................................................20 ARTICLE VI Taxes; Use of Tax Increment Section 6.1. Right to Collect Delinquent Taxes .........................................................................20 Section 6.2. Use of Tax Increment.............................................................................................20 Section 6.3. Reduction of Taxes ................................................................................................21 Section 6.4. Qualifications .........................................................................................................22 Section 6.5. Transfer Obligations ..............................................................................................22 Section 6.6. Minimum Assessment Agreement .........................................................................22 ARTICLE VII Financing Section 7.1. Mortgage Financing ...............................................................................................23 Section 7.2. HRA’s Option to Cure Default on Mortgage .........................................................24 Section 7.3. Modification; Subordination ..................................................................................24 ARTICLE VIII Prohibitions Against Assignment and Transfer; Indemnification Section 8.1. Representation as to Redevelopment .....................................................................24 Section 8.2. Prohibition Against Redeveloper’s Transfer of Property And Assignment of Agreement .............................................................................24 Section 8.3. Release and Indemnification Covenants ................................................................26 ARTICLE IX Events of Default Section 9.1. Events of Default Defined .....................................................................................27 Section 9.2. Remedies on Default ..............................................................................................27 Section 9.3. Termination or Suspension of TIF Note ................................................................28 Section 9.4. No Remedy Exclusive............................................................................................29 Section 9.5. No Additional Waiver Implied by One Waiver .....................................................29 Section 9.6. Attorney Fees .........................................................................................................29 DRAFT 12.17.2021 iii HP145\47\767778.v9 PAGE ARTICLE X Additional Provisions Section 10.1. Conflict of Interests; Representatives Not Individually Liable .............................29 Section 10.2. Equal Employment Opportunity ............................................................................29 Section 10.3. Restrictions on Use ................................................................................................30 Section 10.4. Notices and Demands ............................................................................................30 Section 10.5. Counterparts ...........................................................................................................30 Section 10.6. Disclaimer of Relationships ...................................................................................31 Section 10.7. Amendment ............................................................................................................31 Section 10.8. Recording ...............................................................................................................31 Section 10.9. Indemnity ...............................................................................................................31 Section 10.10. Titles of Articles and Sections ...............................................................................31 Section 10.11. Governing Law; Venue ..........................................................................................31 Section 10.12. Provisions Not Merged with Deed .........................................................................31 Section 10.13. Approvals ...............................................................................................................31 Section 10.14. Termination ............................................................................................................31 Section 10.15. Public Art ...............................................................................................................31 Section 10.16. Park Dedication ......................................................................................................32 Section 10.17 Miscellaneous ........................................................................................................32 Section 10.18 Commercial Space n Phase IA – Building C and Phase IB ...................................32 Section 10.19 PUD Agreement/Subdivision.................................................................................32 Section 10.20 Rent Control Provisions .........................................................................................33 Section 10.21. Parking Rental ........................................................................................................33 TESTIMONIUM............................................................................................................................34 SIGNATURES ......................................................................................................................... 34-36 EXHIBIT A LEGAL DESCRIPTION OF THE REDEVELOPMENT PROPERTY EXHIBIT B DEPICTION OF THE REDEVELOPMENT PROPERTY AND MINIMUM IMPROVEMENTS EXHIBIT C PRELIMINARY PLAN DOCUMENTS EXHIBIT D FORM OF CERTIFICATE OF COMPLETION EXHIBIT E FORM OF NOTES AND TERMs OF NOTES EXHIBIT F DECLARATION OF RESTRICTIVE COVENANTS EXHIBIT G FORM OF MINIMUM ASSESSMENT AGREEMENT EXHIBIT H FORM OF INVESTMENT LETTER EXHIBIT I TOTAL DEVELOPMENT COSTS DRAFT 12.17.2021 1 HP145\47\767778.v9 CONTRACT FOR PRIVATE REDEVELOPMENT This Contract for Private Redevelopment (the “Agreement”) is made this _____ day of ____________, 2021, by and between the City of Hopkins, a Minnesota municipal corporation (“City”), and Housing and Redevelopment Authority in and for the City of Hopkins (“HRA”), each having their principal office at 1010 1st Avenue South, Hopkins, Minnesota 55343, and Alatus Hopkins MD LLC, a Minnesota limited liability company [being formed on December 17, 2021, per Redeveloper], having its principal office at IDS Center, 80 South 8th Street, Suite 4155, Minneapolis, MN 55402 (the “Redeveloper”). WITNESSETH: WHEREAS, the HRA previously found that there exists within the community a building that had a blighting influence on surrounding properties and was structurally substandard due to its poor physical condition or functional obsolescence and which, because of those conditions, threatened the health, safety and welfare of the community; and WHEREAS, the HRA has previously caused demolition of a building located at the Redevelopment Property as hereinafter defined; and WHEREAS, the HRA finds that it is in the public interest, helpful for the tax base and beneficial for the health, safety and welfare of the community as a whole to remove vacant, underutilized, obsolete, and structurally substandard buildings and to replace them with new life- cycle housing and ancillary commercial uses; and WHEREAS, the HRA finds that, due to market conditions which exist today and are likely to persist for the foreseeable future, the private sector alone is not able to accomplish redevelopment of the type needed within the community and, therefore, such will not occur without public intervention; and WHEREAS, the HRA was created pursuant to Minnesota Statutes, Sections 469.001- 469.047 (the “Act”) and was authorized to transact business and exercise its powers by a resolution of the City Council of the City pursuant to the Act; and WHEREAS, in order to foster the redevelopment described above, the City established its Redevelopment Project No. 1, as defined in the Act, providing for the development and redevelopment of certain areas located within the City (which redevelopment project is hereinafter referred to as the “Project”), to implement the goals and objectives thereof, all pursuant to the Act; and WHEREAS, the Redeveloper has presented to the HRA a proposal wherein the Redeveloper will redevelop 325 Blake Road North (the “Redevelopment Property”) through the construction on the Redevelopment Property of multiple buildings containing approximately 800 multi-family units, with 688 units of apartments, and 112 senior cooperative units, with the affordability levels within each building specified below in Section 4.5; construction of approximately 33 for sale town homes, 8,000 sq. ft. of ground floor retail, 1,000 DRAFT 12.17.2021 2 HP145\47\767778.v9 sq. ft. sky lounge and two (2) 4,500 sq. ft. standalone restaurant pads; with Total Development Costs estimated to be approximately $330,000,000; and WHEREAS, as part of its proposal the Redeveloper has requested that the HRA create a tax increment financing district encompassing the Redevelopment Property and use a portion of the tax increment generated from the redeveloped Redevelopment Property to reimburse the Redeveloper for a portion of the Redeveloper's redevelopment costs; and WHEREAS, the HRA established Tax Increment Financing District No. 1-6: 325 Blake (a “redevelopment district”) and adopted a tax increment financing plan related thereto, all pursuant to Minnesota Statutes, sections 469.174 through 469.1799; and WHEREAS, the Redeveloper has proposed to redevelop the Redevelopment Property through a project which the HRA believes is in the vital and best interests of Hopkins 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 for which the Project and Tax Increment Financing District No. 1-6: 325 Blake were established; and WHEREAS, the Redeveloper would not undertake the redevelopment of the Project without the tax increment financing assistance described in this Agreement; and WHEREAS, the HRA believes that the redevelopment of the Project 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. NOW, THEREFORE, in consideration of the covenants and the mutual obligations of the parties hereto, each of them does hereby covenant and agree with the other as follows: ARTICLE I Definitions Section 1.1. Definitions. In this Agreement the following terms shall have the meanings given unless a different meaning clearly appears from the context: “Administrative Costs” means the administrative expenses incurred by HRA as defined in section 469.174, subd. 14 of the TIF Act. “Agreement” means this Agreement, as the same may be from time to time modified, amended, or supplemented. “Assessor” means the county assessor of Hennepin County. DRAFT 12.17.2021 3 HP145\47\767778.v9 “Available Tax Increment” means, with respect to each Phase, up to 95 percent of the Tax Increment paid to the HRA by the County with respect to that Phase of the Redevelopment Property, with the Minimum Improvements on that Phase. “Certificate of Completion” means the certificate, in substantially the form attached hereto as Exhibit D, which will be provided to the Redeveloper pursuant to Article IV of this Agreement. “City” means the city of Hopkins, a municipal corporation under the laws of Minnesota. “City Public Improvements” means the construction of the Spine Road between Blake Road N and Lake Street NE. “Construction Plans” means the final plans for construction of each Phase of the Minimum Improvements, which shall be submitted by the Redeveloper pursuant to section 4.2 of this Agreement. “County” means Hennepin County, Minnesota. “Declaration of Restrictive Covenants” means, as to Phases IIA (Building A), ID (Building B), and IB (Building D), the Declaration of Restrictive Covenant for each of those Phases between the HRA and the Redeveloper in substantially the form set forth in Exhibit F attached hereto. “Event of Default” means an action by the Redeveloper or HRA listed in Article VIII of this Agreement. “Holder” means the owner of a Mortgage. “Housing Unit” means the housing units constructed as part of the Minimum Improvements. “HRA Act” means the Housing and Redevelopment Authorities Act, which is codified at Minnesota Statutes, Sections 469.001 through 469.047, as amended. “Lender” means any lender who finances the construction or operation of a Phase of the Minimum Improvements. “Material Change” means a change in the Construction Plans that will have a material adverse effect on the generation of Tax Increment from the Minimum Improvements or that materially reduces the number of Housing Units, or a change in the exterior elements of the applicable Phase (as hereinafter defined) that materially adversely affects the original character and visual preference that was approved by the City and HRA. “Maturity Date” means, as to each Note, the date that Note has been paid in full or terminated, whichever is earlier. DRAFT 12.17.2021 4 HP145\47\767778.v9 “Minimum Assessment Agreement” means, as to each Phase, the Minimum Assessment Agreement for that Phase between the HRA, the Redeveloper, and the County assessor in substantially the form attached hereto as Exhibit G. “Minimum Improvements” means the City Public Improvements plus the following: The construction of multiple buildings containing approximately 805 multi-family units, with 693 units of apartments, and approximately 112 senior housing units in a building organized as a cooperative, with affordability levels within each building noted in the table below: Bldg C Market Rate Bldg D Mixed Income Bldg A LIHTC Bldg B Sr. Coop Total % Affordable of TOTAL Units No. of Units 389 192 112 112 805 N/A 50% AMI 0 0 112 0 112 14% 60% AMI 0 38 0 12 50 6% 80% AMI 0 38 0 0 38 5% Total Affordable 0 76 112 12 200 25% % Affordable by Building 0% 40% 100% 11% 25% In addition, construction of approximately 33 for-sale town homes, 8,000 sq. ft. of ground floor retail, 1,000 sq. ft. sky lounge and two (2) 4,500 sq. ft. standalone restaurant pads. Details of each component of the Minimum Improvements, hereinafter individually designated as a separate Phase are noted below in the table. Phase Use Phase IA – Building C Single building with a 14-Story component consisting of approximately 214-units of market rate apartments with up to 15% of the units designated as hotel units, approximately 8,000 sq. ft. of ground floor retail and a 1,000 sq/ft sky lounge and a 5- story component consisting of approximately 175-units of market rate apartments and approximately 520 above-ground parking stalls. Also includes gateway plaza, cascade promenade and tower plaza available for public use. Phase IB – Building D 5-Story building with approximately 192-units of mixed income apartments in which 20% of the units (38) are affordable at or below 60% AMI and 20% of the units (38) are affordable at or below 80% AMI plus approximately 277 above-ground parking stalls. Also includes woonerf available for public use. Phase IC Two single-story 4,500 sq. ft. restaurant pads and greenway commons, 1,400 sq. ft. boathouse and rental center and pavilion, with the greenway commons and pavilion available for public use DRAFT 12.17.2021 5 HP145\47\767778.v9 Phase Use Phase ID – Building B 5-Story building with approximately a 112-unit senior cooperative, in which 12 units (approximately 11%) are affordable to persons at or below 60% AMI and approximately 184 underground parking stalls. Also includes gateway plaza available for public use. Phase IE – Town Homes Approximately 33 for-sale town home units Phase IIA – Building A 5-Story building with approximately a 112-Unit LIHTC apartments with 100% of the units affordable at or below 50% of AMI and approximately 110 underground parking stalls. Also includes entry plaza available for public use. Total Development Costs for all Phases of the Minimum Improvements are estimated to be approximately $330,000,000. The Minimum Improvements are generally described and depicted on Exhibit B attached hereto. “Minimum Market Value” means, for all Phases collectively, $222,000,000. The Minimum Market Value for each Phase is the amount that the Redeveloper and the HRA agree to in the Minimum Assessment Agreement for that Phase. “Mortgage” means any mortgage made by the Redeveloper that encumbers any Phase of the Redevelopment Property and that is a permitted encumbrance pursuant to the provisions of Article VII hereof. “Note” and “Notes” means the taxable Tax Increment Revenue Notes, in substantially the form set forth in Exhibit E, to be delivered by the HRA to the Redeveloper pursuant to Article III of this Agreement. “Phase” means each of the phases of the Minimum Improvements identified above in the definition of Minimum Improvements. “Preliminary Plans” means, as to each Phase, the preliminary plans for construction of the Minimum Improvements on that Phase; the preliminary plans for all Phases have been submitted by the Redeveloper and approved by the HRA and are attached hereto as Exhibit C. “Public Redevelopment Costs” means, site preparation costs, including demolition, costs of soil correction, and infrastructure improvements on the Redevelopment Property, costs of constructing affordable housing, and any other costs eligible to be reimbursed with tax increment. “Qualifying Costs” means, as to each Phase, the cost of, site preparation, demolition, utility installation, landscaping, grading, earthwork, footings, foundations, retaining walls, storm water ponding, structured, underground and surface parking, and all other expenditures made by the Redeveloper related to completion of the Minimum Improvements on that Phase, which the HRA intends to partially reimburse through the Note for that Phase. DRAFT 12.17.2021 6 HP145\47\767778.v9 “Redeveloper” has the meaning set forth in the preamble of this Agreement. “Redevelopment Assistance” means the financial assistance to be offered by the HRA to the Redeveloper through issuance of the Notes. “Redevelopment Plan” means the Project and the Tax Increment Financing District No. 1-6: 325 Blake, which was approved by the HRA on December 21, 2021, and by the City on December 21, 2021. “Redevelopment Property” means those properties which are included in the plat of MILE 14 ON MINNEHAHA CREEK with the exception of Outlots A and B, which will be retained by the Minnehaha Watershed District. The Redevelopment Property is legally described in Exhibit A attached hereto. “HRA” has the meaning set forth in the preamble of this Agreement. “State” means the state of Minnesota. “Substantial Completion” means, as to each Phase, completion of the Minimum Improvements in that Phase to a degree allowing the issuance of a Certificate of Occupancy by the City’s building official. “Tax Increment” means, with respect to each Phase, the tax increment, as that term is defined in Minnesota Statutes, Section 469.174, subd. 25, that is paid to the HRA by the County with respect to that Phase of the Redevelopment Property, including the Minimum Improvements on that Phase. “Tax Increment Financing District” or TIF District” means Tax Increment Financing District No. 1-6: 325 Blake. “TIF Act” means the Tax Increment Financing Act, which is codified at Minnesota Statutes, sections 469.174 through 469.1799, as amended. “TIF Plan” means the tax increment plan for Tax Increment Financing District No. 1-6: 325 Blake, which was approved by the HRA on August 17, 2021, and by the City on August 17, 2021. “Termination Date” means, as to each Phase, the earlier of (i) the termination of Tax Increment Financing District No. 1-6: 325 Blake, which is estimated to be after 25 years after the date of receipt of the first increment, or (ii) the date the Note for that Phase has been paid through Available Tax Increment or terminated. “Total Development Costs” means the total development costs of the Minimum Improvements. A line-item estimate of the Total Development Costs is attached hereto as Exhibit I, which reflects the Redeveloper’s current projections for each line-item category of costs comprising the Total Development Costs for each applicable Phase that will receive Tax Increment. DRAFT 12.17.2021 7 HP145\47\767778.v9 “Transfer” has the meaning set forth in Section 8.2(a) hereof. “Unavoidable Delays” means delays which are the direct result of unanticipated adverse weather conditions; pandemics (including the global pandemic commonly known as the coronavirus or COVID-19); strikes or other labor troubles; shortages of materials or labor; fire or other casualty to the Minimum Improvements; litigation commenced by third parties which, by injunction or other similar judicial action, directly results in delays; or, except those of the HRA or the City reasonably contemplated by this Agreement, any acts or omissions of any federal, State or local governmental unit which directly result in delays in construction of the Minimum Improvements; approved changes to the Construction Plans that result in delays; delays caused by the discovery of any previously unknown adverse environmental condition on or within the Redevelopment Property to the extent reasonably necessary to comply with federal and state environmental laws, regulations, orders or agreements; unanticipated future local events occurring within such proximity of the Redevelopment Property, and not caused by nor within the control of the Redeveloper, having a significantly adverse impact upon the marketability and reasonable profitability of the Minimum Improvements; and any other cause or force majeure beyond the control of the Redeveloper which directly results in delays. Section 1.2. Exhibits. The following exhibits are attached to and by reference made a part of this Agreement: Exhibit A. Legal description of the Redevelopment Property Exhibit B. Depiction of the Redevelopment Property and Minimum Improvements Exhibit C. Preliminary Plans Exhibit D. Form of Certificate of Completion Exhibit E. Form of Notes and Terms of Notes Exhibit F. Declaration of Restrictive Covenants Exhibit G. Form of Minimum Assessment Agreement Exhibit H. Form of Investment Letter Exhibit I. Total Development Costs Section 1.3. Rules of Interpretation. (a) This Agreement shall be interpreted in accordance with and governed by the laws of Minnesota. (b) The words “herein” and “hereof” and words of similar import, without reference to any particular section or subdivision, refer to this Agreement as a whole rather than any particular section or subdivision hereof. (c) References herein to any particular section or subdivision hereof are to the section or subdivision of this Agreement as originally executed. (d) Any titles of the several parts, articles and sections of this Agreement are inserted for convenience and reference only and shall be disregarded in construing or interpreting any of its provisions. Section 1.4. Incorporation of Recitals and Exhibits. The Recitals set forth in the preamble to this Agreement and the Exhibits attached to this Agreement are incorporated into this DRAFT 12.17.2021 8 HP145\47\767778.v9 Agreement as if fully set forth herein. ARTICLE II Representations and Warranties Section 2.1. Representations by the City and the HRA. The City and the HRA make the following representations as the basis for the undertaking on their part herein contained: (a) The City is a Minnesota municipal corporation duly organized under the laws of the State of Minnesota. The City has the authority to enter into this Agreement and carry out its obligations hereunder. (b) The HRA is a housing and economic development authority duly organized and existing under the HRA Act. HRA has the authority to enter into this Agreement and carry out its obligations hereunder. (c) The individual(s) executing this Agreement and related agreements and documents on behalf of the City or the HRA have the authority to do so and to bind the City or the HRA by their actions. (d) The Redevelopment Project No. 1 for the HRA is a development district within the meaning of the Minnesota Statutes, section 469.125, subd. 9. (e) TIF District No. 1-6: 325 Blake is a redevelopment tax increment financing district within the meaning of the TIF Act and was created, adopted and approved in accordance with the TIF Act. The City and the HRA have taken all required actions to create the TIF District as a redevelopment district within Minnesota Statute 469.174, Subdivision 10 and have adopted and approved the TIF Plan pursuant to the TIF District and TIF Act. (f) There are no previous agreements to which the City or the HRA is a party pertaining to the Redevelopment Property which would preclude the parties from entering into this Agreement or which would impede the fulfillment of the terms and conditions of this Agreement. (g) The activities of the City and the HRA pursuant to this Agreement are undertaken pursuant to the Redevelopment Plan and are for the purpose of redevelopment of the Redevelopment Property. (h) The City and the HRA will act in a timely manner to consider all approvals required under this Agreement and will cooperate with the Redeveloper in seeking consideration by the City of approvals which must be granted by the City. Section 2.2. Representations and Warranties by the Redeveloper. The Redeveloper makes the following representations and warranties as the basis for the undertaking on its part herein contained: DRAFT 12.17.2021 9 HP145\47\767778.v9 (a) The Redeveloper is a limited liability company validly existing under the laws of the State of Minnesota. The Redeveloper has the authority to enter into this Agreement and carry out its obligations hereunder. (b) The Redeveloper will attempt to acquire the Redevelopment Property in fee title. (c) The persons executing this Agreement and related agreements and documents on behalf of the Redeveloper have the authority to do so and to bind the Redeveloper by their actions. (d) Upon acquisition of the Redevelopment Property, the Redeveloper will demolish the existing improvements, if any, and construct the Minimum Improvements in substantial accordance with the terms of this Agreement, the Redevelopment Plan, the TIF Plan, the Construction Plans and all local, State and federal laws and regulations, including, but not limited to, environmental, zoning, building code and public health laws and regulations. (e) The Redeveloper will apply for and use all reasonable efforts to obtain, in a timely manner, all required permits, licenses and approvals from the HRA and the City, and will meet, in a timely manner, the requirements of all applicable local, State, and federal laws and regulations which must be obtained or met before the Minimum Improvements may be lawfully constructed or used for their intended purpose. The Redeveloper did not obtain a building permit for any portion of the Minimum Improvements before December 21, 2021, the date of approval of the TIF Plan for the TIF District. (f) The Redeveloper has analyzed the economics of acquisition of the Redevelopment Property, the cost of site improvements, including installation of any necessary utilities and demolition of the improvements currently thereon and construction of the Minimum Improvements and concluded that, absent the Redevelopment Assistance to be offered under this Agreement, it would not undertake this project. (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 corporation or company organizational documents or any evidence of indebtedness, agreement or instrument of whatever nature to which the Redeveloper is now a party or by which it is bound, or constitutes a default under any of the foregoing. ARTICLE III Acquisition of Redevelopment Property; Redevelopment Assistance Section 3.1. Acquisition of Redevelopment Property. The Redeveloper is in the process of acquiring the Redevelopment Property in fee. The HRA makes no representations to the Redeveloper regarding the suitability of the Redevelopment Property or the Minimum Improvements for the use and purpose intended by the Redeveloper. DRAFT 12.17.2021 10 HP145\47\767778.v9 Section 3.2. Issuance of Pay-As-You-Go Notes. (a) In consideration of the Redeveloper constructing the Minimum Improvements and to finance the reimbursement of the Qualifying Costs, subject to all terms and conditions of this Agreement, the HRA will issue and the Redeveloper will purchase the Notes in the maximum principal amount up to $22,850,000, collectively for all Phases, in public assistance for Qualifying Costs, in substantially the form set forth in Exhibit E. The HRA and the Redeveloper agree that the consideration from the Redeveloper for the purchase of the Note for each Phase will consist of the Redeveloper’s payment of the Qualifying Costs for that Phase that are eligible for reimbursement with Tax Increment and that are incurred by the Redeveloper in at least the maximum principal amount of the Note for that Phase. Currently it is anticipated that approximately $3,750,000 will be from TIF Spending Plan funds from TIF District 2-11 and provided up front to pay for Qualifying Costs as part of the Phase I development. In addition, the HRA will reimburse the Redeveloper with Tax Increment generated from the Minimum Improvements for the remaining amount up to a maximum principal amount of $22,850,000. The HRA’s financial consultant will complete an analysis with respect to each Phase when construction is ready to commence on that Phase to determine the amount and term of the assistance to be provided to that Phase. Payments from TIF District 1-6: 325 Blake will be made through the Notes issued on a pay-as-you-go basis, with one Note for each Phase, assuming up to 95% of increment at the rate of the lesser of the rate of 4% per annum or the Redeveloper’s actual mortgage financing rate. The Note for each Phase will be issued upon the City’s issuance of a final Certificate of Occupancy for that Phase and proof of expenditure related to the Qualifying Costs for that Phase. The HRA will deliver the Note for each Phase upon satisfaction by the Redeveloper of all the conditions precedent with respect to that Phase specified in section 3.3 of this Agreement. The HRA agrees that each Note will stand alone, and that there will be no cross-default provision in the Notes that allows the HRA to terminate or suspend payment under one Note with respect to a default under this Agreement with respect to another Phase (a Phase other than the one which the Note was issued). (h) The Redeveloper understands and acknowledges that the HRA makes no representations or warranties regarding the amount of Available Tax Increment, or that revenues pledged to the Notes will be sufficient to pay the principal of and interest on the Notes. Any estimates of Tax Increment prepared by the HRA or its financial advisors in connection with the TIF District or this Agreement are for the sole benefit of the HRA and are not intended as representations on which the Redeveloper may rely. (c) At the HRA’s discretion, the parcels containing Phase IC, Phase ID – Building B and Phase IE – Town Homes may be decertified from the TIF district as development commences since no assistance is required for those Phases. Section 3.3. Conditions Precedent to Issuance of Notes. Notwithstanding anything in this Agreement to the contrary, the HRA shall not be obligated to issue the Note with respect to a Phase until all of the following conditions precedent have been satisfied with respect to that Phase: (a) The Redeveloper has acquired the Redevelopment Property in fee; (b) The Redeveloper has submitted and the HRA has approved the Construction Plans; DRAFT 12.17.2021 11 HP145\47\767778.v9 (i) The Redeveloper has constructed the Minimum Improvements on that Phase and the HRA has issued the Certificate of Completion for that Phase; (c) The Redeveloper has completed the City Public Improvements and such Improvements have been accepted by the City. (d) The Redeveloper has submitted evidence it has paid for the Qualifying Costs, including paid receipts and lien waivers, for that Phase; (e) The Redeveloper has reimbursed the HRA for all of its administrative costs incurred in conjunction with the processing of Redeveloper’s request with respect to that Phase; (f) The Redeveloper has submitted the Investment Letter for the applicable Phase and Note; and (g) There has been no Event of Default on the part of the Redeveloper which has not been cured. Section 3.4. Potential Reduction of Assistance. The HRA will complete a lookback for each applicable Phase that receives TIF assistance. Section 3.5. Redeveloper Responsible for Payment of Administrative Costs. The City and HRA acknowledge the Redeveloper made an escrow deposit in the amount of $25,000 to pay the Administrative Costs of the City and the HRA. The City and the HRA will use such funds to pay “Administrative Costs,” which term means out-of-pocket costs incurred by the City and the HRA, together with staff and consultant costs of the City and the HRA, all attributable to or incurred in connection with the negotiation and preparation of this Agreement, the TIF Plan, and other documents and agreements in connection with the establishment of the TIF District and redevelopment of the Redevelopment Property, and not previously paid by the Redeveloper. The Redeveloper shall pay all other normal and customary City fees and expenses for the approval and construction of the Minimum Improvements. At the Redeveloper’s request, but no more often than monthly, the HRA will provide the Redeveloper with a written report including invoices, time sheets or other comparable evidence of expenditures for Administrative Costs and the outstanding balance of funds deposited. At any time the deposit drops below $1,000, the Redeveloper shall replenish the deposit in the amount of $10,000 within thirty (30) days after receipt of written notice thereof from the HRA. If at any time the HRA or the City determines that the deposit is insufficient to pay Administrative Costs, the Redeveloper is obligated to pay such shortfall within fifteen (15) days after receipt of a written notice from the HRA containing evidence of the unpaid costs. If Administrative Costs incurred, and reasonably anticipated to be incurred are less than the deposit by the Redeveloper, the HRA shall return to the Redeveloper any funds not anticipated to be needed. Section 3.6. Records. The HRA and its representatives will have the right at all reasonable times after reasonable notice to inspect, examine and copy invoices paid by DRAFT 12.17.2021 12 HP145\47\767778.v9 Redeveloper and/or its general contractor relating to the Minimum Improvements and the Qualifying Costs for which the Redeveloper will be reimbursed under the Notes. Section 3.7. Purpose of Assistance; No Business Subsidy. The parties agree and understand that the assistance being provided by the HRA under this Agreement does not constitute a "business subsidy" within the meaning of the Business Subsidy Act, Minnesota Statutes, Sections l16J.993 to l16J.995, because the assistance is being provided for development and housing purposes and the Redeveloper's investment in the Redevelopment Property and site preparation will exceed 70% of the County Assessor’s current year's estimated market value for the Redevelopment Property “Business subsidy” within the meaning of Minnesota Statutes, Sections 116J.993 to 116J.995. ARTICLE IV Construction of Minimum Improvements Section 4.1. Construction of Minimum Improvements. If the Redeveloper acquires the Redevelopment Property in accordance with the terms of this Agreement, the Redeveloper agrees that it will construct the Minimum Improvements on the Redevelopment Property in accordance with the Construction Plans. The Redeveloper acknowledges that, in addition to the requirements of this Agreement, construction of the Minimum Improvements will necessitate compliance with other reviews and approvals by the City and possibly other governmental agencies and, to the extent such approvals have not already been obtained, agrees to submit all applications for and pursue to their conclusion all other approvals needed prior to constructing the Minimum Improvements. Section 4.2. Preliminary and Construction Plans. (a) The Redeveloper has submitted and the City and the HRA have approved the Preliminary Plans listed in Exhibit C attached hereto. Prior to beginning construction on the Minimum Improvements, the Redeveloper shall submit dated Construction Plans to the City and the HRA. The Construction Plans shall provide for the construction of the Minimum Improvements and shall be in substantial conformity with the Preliminary Plans and this Agreement. HRA will approve the Construction Plans for each Phase if they (1) are consistent with the Preliminary Plans; (2) conform to all applicable federal, State and local laws, ordinances, rules and regulations; (3) are adequate to provide for the construction of the Minimum Improvements; (4) conform to the State building code; and (5) if there has occurred no uncured Event of Default on the part of the Redeveloper. The HRA agrees to approve or reject each set of proposed Construction Plans for each Phase within 30 days after it receives them. The HRA agrees to detail its reasons for disapproving any Construction Plans and to explain which of the four criteria in the preceding sentence that it is relying on. If the HRA does not approve or disapprove any proposed Construction Plans within 30 days after receiving them, the HRA will be deemed to have approved them. The HRA will also be deemed to have approved the Construction Plans if the City issues a building permit for the Minimum Improvements. Except as otherwise set forth herein, no approval by HRA shall relieve the Redeveloper of the obligation to comply with the terms of this Agreement, the terms of all applicable federal, State and local laws, ordinances, rules and regulations in the construction of the Minimum Improvements. Except as otherwise set forth herein, no approval by HRA shall constitute a waiver of an Event of Default. DRAFT 12.17.2021 13 HP145\47\767778.v9 (b) If the Redeveloper desires to make any Material Change to any Construction Plans, the Redeveloper shall submit the proposed change to the HRA for its prior written approval. If the proposed change is consistent with the Preliminary Plans or is otherwise acceptable to the HRA and meets all other requirements of section 4.2(a) above, the HRA shall approve the proposed change. Such change in the Construction Plans shall be deemed approved by the HRA unless rejected, in whole or in part, by written notice by the HRA to the Redeveloper within twenty (20) business days after the Redeveloper submits the proposed change for approval. The HRA agrees to set forth in detail its reasons for any rejection. Section 4.3. Commencement and Completion of Construction. Subject to Unavoidable Delays, the Redeveloper shall commence construction of each Phase of the Minimum Improvements by the Commencement Date, and substantially complete construction of each Phase by the Completion Date as set forth below. For the purpose hereof, “Commence” shall mean beginning of physical improvement to the Property for the respective Phase, including excavation, or footings and in the case of Phase I, mass grading other physical site preparation work. “Complete” shall mean that the Minimum Improvements are sufficiently complete for the issuance of a final Certificate of Occupancy. Phase Commencement Date Completion Date Phase IA – Building C December 31, 2022 June 30, 2025 Phase IB – Building D December 31, 2022 June 30, 2025 Phase IC December 31, 2023 June 30, 2026 Phase ID - Building B December 31, 2024 June 30, 2027 Phase IE – Town Homes December 31, 2023 June 30, 2026 Phase IIA – Building A December 31, 2025 June 30, 2028 The Redeveloper and the HRA agree that the dates for each Phase of the construction schedule may be revised based upon timing of actual construction schedules, financing, market conditions, etc. Revisions to the dates of each Phase of the construction schedule shall not require approval or further action by the HRA and may be approved administratively by staff and legal counsel, so long as such revisions are no more than 18 months from each Phase of the construction schedule as noted above. Any revision to the dates beyond 18 months for each Phase in the construction schedule shall require renegotiation between the parties. All work with respect to the Minimum Improvements to be constructed or provided by the Redeveloper on the Redevelopment Property shall be in conformity with the Construction Plans. The Redeveloper shall make such reports to the HRA regarding construction of the Minimum Improvements as the HRA deems necessary or helpful in order to monitor progress on construction of the Minimum Improvements. Section 4.4. Certificates of Completion. (a) After Substantial Completion of the Minimum Improvements in each Phase in accordance with the Construction Plans for that Phase and all terms of this Agreement and at the written request of the Redeveloper, the HRA will, within 20 days thereafter, furnish the Redeveloper with a Certificate of Completion for that Phase in the form of Exhibit D attached hereto. The HRA agrees that the Minimum Improvements in each Phase will be completed and the Redeveloper will be entitled to receive DRAFT 12.17.2021 14 HP145\47\767778.v9 and record a Certificate of Completion for that Phase when the City has issued a final Certificate of Occupancy for the Minimum Improvements in that Phase and all site improvements in the Phase have been substantially completed in accordance with the approved Construction Plans for that Phase. Such certification by HRA shall be a conclusive determination of satisfaction and termination of the agreements and covenants in this Agreement with respect to the obligations of the Redeveloper to construct the Minimum Improvements in the relevant Phase and the dates for the beginning and completion thereof. Following issuance of the Certificate of Completion for a Phase pursuant to this section, the sole outstanding obligation of either Party is for the HRA to issue the Notes and to make payments thereunder, subject to the terms of this Agreement and the Notes. (b) Each Certificate of Completion shall be in such form as will enable it to be recorded in the proper County office for the recordation of deeds and other instruments pertaining to the Redevelopment Property. If the HRA shall refuse to provide such certification in accordance with the provisions of this section 4.4, the HRA shall promptly notify Redeveloper of the same within 20 days following receipt of request therefor from Redeveloper and shall provide the Redeveloper with a written statement, indicating in adequate detail in what respects the Redeveloper has failed to complete the relevant portion of the Minimum Improvements in accordance with the provisions of the Agreement, or is otherwise in default of a material term of this Agreement, and what measures or acts will be necessary, in the opinion of HRA, for the Redeveloper to take or perform in order to obtain such certification. If the HRA fails to issue such a written statement within such 20-day period, the HRA shall be deemed to have waived its right to do so and shall immediately thereafter issue the Certificate of Completion to the Redeveloper. The Redeveloper shall have 60 days following receipt of the HRA’s written response to cure or agree to terms with HRA regarding issues to be resolved prior to the Redeveloper obtaining a Certification of Completion from HRA. Section 4.5. Housing Affordability Covenants. The Redeveloper agrees that at all times from initial occupancy of each of Phase IIA – Building A, Phase ID – Building B, and Phase IB – Building D through the date that is 30 years from issuance of a final Certificate of Occupancy for that Phase, the units within the applicable Phase of the Minimum Improvements shall be reserved for occupancy by individuals and satisfy the income requirements noted in Sections 4.5(a) and (b) below. The Redeveloper and the HRA shall execute a Declaration of Restrictive Covenants for each of Phases IIA -Building A, IC -Building B, and IB -Building D in substantially the form set forth in Exhibit F and record such agreement against each of those Phases. The covenants applicable to each of those Phases shall be as follows: (a) Affordability Covenants Phase IC – Building B: Redeveloper covenants to make at least 10% of the Phase IC – Building B units constructed to be “affordable” and agrees that they are subject to the following affordability covenants: (i) Twelve (12) cooperative Housing Units (the “Affordable Housing Units”) must be initially sold (as a membership interest in the cooperative) to owner-occupants with household income not to exceed 60 percent of the Minneapolis-St. Paul metropolitan statistical area (the “Metro Area”) median income for the calendar year in which the Redeveloper receives a Certificate of Occupancy (for 2021 this income is $62,940). The Affordable Housing Units will be equally distributed DRAFT 12.17.2021 15 HP145\47\767778.v9 throughout the building and floors. Each owner-occupant of the Affordable Housing Units will be required to pay their pro rata share of ongoing operating expenses of the cooperative. Future transfers of the Affordable Housing Units (or the membership interests in the cooperative representing the Affordable Housing Units) will be restricted to maintain the ability of future buyers to purchase the Affordable Housing Units at affordable prices for thirty (30) years following the first purchase of each of the Affordable Housing Units pursuant to the Affordable Housing Agreement described below. (ii) Upon or before closing on the initial sale of each Affordable Housing Unit to any person, the Redeveloper shall deliver or cause to be delivered written evidence satisfactory to the HRA of compliance with the covenants. Such evidence shall include, at a minimum, a fully executed purchase agreement and certificate of real estate value, certification by the buyer that he or she intends to occupy the Affordable Housing Unit, and evidence of the buyer’s household income determined in accordance with Metropolitan Council’s affordability limits for ownership; provided that income shall be determined as of the date of application for acquisition financing. (iii) The HRA and its representatives shall have the right at all reasonable times while the covenants are in effect, after reasonable notice, to inspect, examine and copy all books and records of the Redeveloper and its successors and assigns relating to the covenants. (iv) The Redeveloper shall execute with the HRA an agreement in recordable form and satisfactory to the HRA, that substantially reflects the covenants (the “Affordable Housing Agreement”) before the Redeveloper obtains its financing. The Affordable Housing Agreement shall include reasonable reporting and monitoring requirements as necessary to ensure compliance with the covenants therein, and shall be recorded by the Redeveloper, at its cost, against the appropriate portion of the Redevelopment Property on which the subject Affordable Housing Units are to be constructed. Failure to enter into, record or comply with the Affordable Housing Agreement in accordance with this Section shall be an Event of Default. If the Redeveloper fails to comply with this Article or with the covenants of the Affordable Housing Agreement, the Redeveloper will reimburse the HRA for any reasonable attorney fees incurred by the HRA in an effort to gain the Redeveloper’s compliance with this Article or with the covenants of the Affordable Housing Agreement. b. Affordability Covenants Phase IIA – Building A and IB – Building D: Redeveloper agrees that the Minimum Improvements are subject to the following affordability covenants: (i) The Redeveloper expects that each of Phase IIA – Building A and Phase IB – Building D will include the mix of rental housing units as noted in the table above in the definition of “Minimum Improvements”. These units constitute approximately 27% of the overall rental units. In addition, the Redeveloper will apply to the applicable agencies for project-based housing choice vouchers for Phase IIA – Building A. The Redeveloper will be required to enter into a DRAFT 12.17.2021 16 HP145\47\767778.v9 Declaration of Restrictive Covenants for each Phase that will cause the affordable restrictions to remain in effect for a thirty (30) year period. On the date of receipt of a final Certificate of Occupancy for each of those Phases, the Redeveloper will deliver an executed Declaration that Phase to the HRA in recordable form. (ii) The Redeveloper agrees to distribute the affordable rental Housing Units among the different rental Housing Unit types throughout the building and floors and various unit types. (iii) During the term of the Declaration, the Redeveloper shall not adopt any policies specifically prohibiting or excluding rental to tenants holding certificates/vouchers under Section 8 of the United States Housing Act of 1937, as amended, codified as 42 U.S.C. Sections 1401 et seq., or its successor because of such prospective tenant’s status as such a certificate/voucher holder. (iv) The Redeveloper will promptly notify the HRA if at any time during the term of the Declaration the number of rental Housing Units in Phase IIA, Building A or Phase IB, Building D occupied by Qualifying Tenants (as defined in the Declaration) or held vacant and available for occupancy by Qualifying Tenants pursuant to the Declaration is fewer than the number required by the terms of the Declaration. (v) The HRA and its representatives will have the right at all reasonable times during normal business hours while the covenants in this Section are in effect, after reasonable notice to inspect, to examine and copy all books and records of the Redeveloper and its successors and assigns relating to the covenants described in this Section and in the Declaration for each of the two relevant Phases. (vi) The Redeveloper must submit evidence of tenant incomes, showing that Phase IIA – Building A and Phase IB – Building D meet the income requirements set forth in the Declarations for those Phases by April 1st of each year. The HRA will review the submitted evidence related to the income restrictions and to the extent the threshold for one of those Phases is not met, the HRA will withhold the TIF payment for that time period with respect to that Phase. c. Affordability Applications. The HRA and the City agree to pledge support for any affordability application made by the Redeveloper; however, such pledge of support shall not include any monetary commitment. Section 4.6. Affordable Housing Reporting: At least annually, no later than April 1 of each year commencing on the April 1 first following the issuance of the Certificate of Completion for Phase IIA – Building A or Phase IB – Building D, the Redeveloper shall provide a report to the HRA evidencing that the Redeveloper complied with the income affordability covenants set forth in Section 4.5 hereof during the previous calendar year with respect to each Phase that the Redeveloper has Substantially Completed. The income affordability reporting shall be on the form entitled “Tenant Income Certification” from the Minnesota Housing Finance DRAFT 12.17.2021 17 HP145\47\767778.v9 Agency (MHFA HTC Form 14), or if unavailable, any similar form. The HRA may require the Redeveloper to provide additional information reasonably necessary to assess the accuracy of such certification. Unless earlier excused by the HRA, the Redeveloper shall send affordable housing reports to the HRA until the TIF District is decertified. If the Redeveloper fails to provide the annual reporting required under this Section for any Phase, the HRA may withhold payments of Available Tax Increment under the Note for that Phase. Section 4.7. City Public Improvements: The Redeveloper shall construct the City Public Improvements by June 30, 2025, in accordance with plans and specifications approved by the City. The City may inspect the City Public Improvements as the improvements are being constructed and the Redeveloper will dedicate the City Public Improvements to the City upon completion. Acceptance of all City Public Improvements shall be by City staff, in their sole discretion, and consistent with the PUD Agreement as hereinafter defined. Section 4.8. Homeowners’ Associations and Restrictive Covenants: The HRA acknowledges that the Redeveloper may utilize deed restrictions, covenants, agreements, architectural controls, homeowners’ associations (HOAs) and other means to control the use and to ensure the maintenance of the land within the Minimum Improvements. No such instruments shall adversely affect the rights of the City or HRA under this Agreement, without their consent, which consent shall not be unreasonably withheld. The Redeveloper shall submit any such instruments to the City and HRA for their review and comment. For Phase IE (for sale town homes) the HOA documents should have a stipulation on the number of rental units allowed. The stipulation is at the discretion of the HOA and applicable laws governing HOA’s and shall be submitted to the HRA for their review and comment. Section 4.9. Maintenance: The Redeveloper and the HRA agree that the Redeveloper or HOA shall be responsible for all maintenance (including snow and ice removal) and repair costs associated with the private improvements on that Phase including: • Driveways, service drives, and surface parking stalls. • Parking structure • Sidewalks • Streetlights • Landscaping • Streetscape improvements • Storm water ponding • Bicycle Parking • Plazas • Pavilion • Cascade promenade • Greenway commons Redeveloper and the HOAs shall not be responsible for the maintenance and repair of the Spine Road. DRAFT 12.17.2021 18 HP145\47\767778.v9 Section 4.10. Reciprocal Easement and Operating Agreement: The Redeveloper and City will enter into a mutually acceptable reciprocal easement and operating agreement (the “REOA”) or other easement agreements to include, without limitation, the following key terms: (a) Redeveloper and/or City responsibility for maintenance and operation of the private applicable Phase of the Minimum Improvements, road network, and other City Public Improvements, with such costs being allocated to and among Redeveloper, the City and/or any other owners of each Phase of the Minimum Improvements; (b) perpetual public access easements and perpetual drainage and utility easements, in each case, over the applicable City Public Improvements and at no cost to the City; (c) perpetual license or public access easements for greenway commons, pavilion plazas, and cascade promenade or other private areas that provide public benefit that the City and Redeveloper deem appropriate; and (d) provisions providing for enforcement of all terms and conditions of the REOA. ARTICLE V Insurance Section 5.1. Insurance. (a) The Redeveloper will provide and maintain or cause to be provided and maintained at all times during the process of constructing the Minimum Improvements an All Risk Broad Form Basis Insurance Policy and, from time to time during that period, at the request of the HRA, furnish the HRA with proof of payment of premiums on policies covering the following: (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 form on the so-called “all risk” form of policy. The interest of the HRA must be protected in accordance with a clause in form and content satisfactory to the HRA; (ii) Commercial general liability insurance (including operations, contingent liability, operations of subcontractors, completed operations and contractual liability insurance) together with a Protective Liability Policy with limits against bodily injury and property damage of not less than $2,000,000 for each occurrence (to accomplish the above-required limits, an umbrella excess liability policy may be used). The HRA must be listed as an additional insured on the policy; and (iii) Workers’ compensation insurance, with statutory coverage. DRAFT 12.17.2021 19 HP145\47\767778.v9 (b) As to each Phase, upon completion of construction of the Minimum Improvements in that Phase and prior to the Maturity Date of the Note for that Phase, the Redeveloper must maintain, or cause to be maintained, at its cost and expense, and from time to time at the request of the HRA will furnish proof of the payment of premiums on, insurance as follows: (i) Insurance against loss and/or damage to the Minimum Improvements on that Phase under a policy or policies covering the risks as are ordinarily insured against by similar businesses. (ii) Commercial general public liability insurance, including personal injury liability (with employee exclusion deleted), against liability for injuries to persons and/or property, in the minimum amount for each occurrence and for each year of $2,000,000, and must be endorsed to show the HRA as an additional insured. (iii) Other insurance, including workers’ compensation insurance respecting all employees, if any, of the Redeveloper, in an 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 workers’ compensation. (c) All insurance required in this Article V must 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. Upon request, the Redeveloper will deposit annually with the HRA policies evidencing all the insurance, or a certificate or certificates or binders of the respective insurers stating that the insurance is in force and effect. Unless otherwise provided in this Article V each policy must contain a provision that the insurer will not cancel nor modify it in such a way as to reduce the coverage provided below the amounts required herein without giving written notice to the Redeveloper and the HRA at least sixty (60) days before the cancellation or modification becomes effective. In lieu of separate policies, the Redeveloper may maintain a single policy, blanket or umbrella policies, or a combination thereof, having the coverage required herein, in which event the Redeveloper will deposit with the HRA a certificate or certificates of the respective insurers as to the amount of coverage in force upon the Minimum Improvements. (d) The Redeveloper agrees to notify the HRA immediately in the case of damage exceeding $500,000 in amount to, or destruction of, the Minimum Improvements or any portion thereof resulting from fire or other casualty. In the event this type of damage or destruction occurs, the Redeveloper will forthwith repair, reconstruct and restore the Minimum Improvements to substantially the same or an improved condition or value as it existed prior to the event causing the damage and, to the extent necessary to accomplish the repair, reconstruction and restoration, the Redeveloper will apply the Net Proceeds of any insurance relating to the damage received by the Redeveloper to the payment or reimbursement of the costs thereof. DRAFT 12.17.2021 20 HP145\47\767778.v9 The Redeveloper will complete the repair, reconstruction and restoration of the Minimum Improvements, whether or not the Net Proceeds of insurance received by the Redeveloper is sufficient to pay for the same. Any Net Proceeds remaining after completion of the repairs, construction and restoration will be the property of the Redeveloper. (e) Notwithstanding anything to the contrary contained in this Agreement, in the event of damage to the Minimum Improvements in excess of $100,000 and the Redeveloper fails, subject to Unavoidable Delays, to complete any repair, reconstruction or restoration of the Minimum Improvements within eighteen (18) months from the date of damage or such later time as reasonably determined by the HRA if the Redeveloper commences restoration within such eighteen (18) month period and diligently prosecutes the same to completion, the HRA may, at its option, terminate the Note or Notes for the damaged Phase or Phases as provided in Section 9.3(b) hereof. If the HRA terminates the Note for a Phase, the termination will constitute the HRA’s sole remedy under this Agreement as a result of the Redeveloper’s failure to repair, reconstruct or restore the Minimum Improvements in that Phase. Thereafter, the HRA will have no further obligations to make any payments under the Note for that Phase. (f) The Redeveloper and the HRA agree that all of the insurance provisions set forth in this Article V will terminate upon the termination of this Agreement. Section 5.2. Subordination. The HRA and the City hereby subordinate all rights of their rights to receive or apply any insurance proceeds to the rights of any Holder of a Mortgage allowed under Article VII of this Agreement. ARTICLE VI Taxes; Use of Tax Increment Section 6.1. Right to Collect Delinquent Taxes. The Redeveloper acknowledges that the HRA is providing substantial aid and assistance in furtherance of the redevelopment through issuance of the Notes. The Redeveloper understands that the Tax Increments pledged to payment of the Notes are derived from real estate taxes on the Redevelopment Property, which taxes must be promptly and timely paid. To that end, the Redeveloper agrees for itself, its successors and assigns, in addition to the obligation pursuant to statute to pay real estate taxes, that it is also obligated by reason of this Agreement to pay before delinquency all real estate taxes assessed against the Redevelopment Property and the Minimum Improvements. The Redeveloper acknowledges that this obligation creates a contractual right on behalf of the HRA to sue the Redeveloper or its successors and assigns to collect delinquent real estate taxes and any penalty or interest thereon and to pay over the same as a tax payment to the county auditor. In any such suit, the HRA shall also be entitled to recover its costs, expenses and reasonable attorney fees. Section 6.2. Use of Tax Increment. Except as provided for in this Agreement, the HRA shall be free to use any Tax Increment it receives from the County with respect to TIF District No. 1-6: 325 at Blake for any purpose for which such increment may lawfully be used under the TIF Act and the HRA shall have no obligations to the Redeveloper with respect to the use of such Tax Increment. DRAFT 12.17.2021 21 HP145\47\767778.v9 Section 6.3. Reduction of Taxes. The Redeveloper agrees that after the date of certification of the Tax Increment District and prior to completion of the Minimum Improvements on each Phase, it will not cause a reduction in the real property taxes paid in respect of that Phase through: (A) willful destruction of the Minimum Improvements on that Phase or any part thereof (except for the demolition of structures required for construction of the Minimum Improvements); or (B) willful refusal to reconstruct damaged or destroyed property pursuant to Section 5.1 hereof. The Redeveloper also agrees that, with respect to each Phase, it will not, prior to the Maturity Date of the Note for that Phase: (i) seek exemption from property tax for that Phase; (ii) convey or transfer or allow conveyance or transfer of that Phase to any entity that is exempt from payment of real property taxes under State law; or (iii) seek or agree to any reduction of the assessor’s estimated market value to below the Minimum Market Value for that Phase. If Redeveloper brings a petition challenging a Market Value determination exceeding the minimum value established in a Minimum Assessment Agreement, the Redeveloper must inform the HRA of such petition. The HRA will pay principal and interest on the each Note only to the extent of Available Tax Increment attributable to the minimum value of the relevant Phase until final resolution of such petition. Upon resolution of Redeveloper’s tax petition, any Available Tax Increment deferred and withheld will be paid, without interest thereon, to the extent payable under the assessor’s final determination of Market Value. Notwithstanding the foregoing, the HRA acknowledges that the Redeveloper intends to apply for 4d tax classification for 100% of Phase IIA – Building A and 20% of the units on Phase IB-Building D, as defined in Minnesota Statute 273.13, Subd. 25(e), for purposes of the property taxes imposed against the Minimum Improvements. The Redeveloper may, as to each Phase, at any time following the issuance of the Certificate of Completion for that Phase, seek through petition or other means to have the Assessor’s Estimated Market Value for that Phase reduced to not less than the Minimum Market Value for that Phase. Such activity must be preceded by written notice from the Redeveloper to the HRA indicating its intention to do so. Upon receiving such notice, or otherwise learning of the Redeveloper’s intentions, the HRA may suspend or reduce payments due under the Note with respect to the relevant Phase except for the portion of such payments from Available Tax Increment, as defined in the Note for that Phase, based on the Minimum Market Value as described in the Minimum Assessment Agreement for that Phase, until the actual amount of the reduction in market value is determined, whereupon the HRA will make the suspended payments less any amount that the HRA is required to repay the County as a result any retroactive reduction in market value of that Phase. If the Redeveloper fails to notify the HRA of the tax petition, the HRA shall have the right to withhold all payments of principal and interest on the Note with respect to the relevant Phase until the Redeveloper’s challenge is resolved. Upon resolution of the Redeveloper’s tax petition, any Available Tax Increment deferred and withheld under this Section shall be paid, without interest thereon, to the extent payable under the assessor’s final determination of market value. During the period that the payments are subject to suspension, the HRA may make partial payments on the Note, from the amounts subject to suspension, if it determines, in its sole and DRAFT 12.17.2021 22 HP145\47\767778.v9 absolute discretion, that the amount retained will be sufficient to cover any repayment which the County may require. The HRA’s suspension of payments on a Note pursuant to this Section shall not be considered a default under Article IX hereof. Section 6.4. Qualifications. The Redeveloper understands and acknowledges that all Public Redevelopment Costs must first be paid by or on behalf of the Redeveloper and will be reimbursed from Available Tax Increment pursuant to the terms of the Notes. The HRA makes no representations or warranties regarding the amount of Tax Increment, or that revenues pledged to the Notes will be sufficient to pay the principal of the Notes. Any estimates of Tax Increment prepared by the HRA or its financial advisors in connection with the TIF District or this Agreement are for the benefit of the HRA, and are not intended as representations on which the Redeveloper may rely. In the event of legislative changes reducing the tax rate classification of certain qualified low-income rental housing under Minnesota Statutes, Section 273.13, subd. 25(e), the Redeveloper expressly agrees and acknowledges that the HRA may adjust the principal amount of the Notes to reflect such reduction. The parties agree that they will work in good faith to determine the appropriate amount of such reduction, it being the intent that the aggregate effect of such changes (i.e., the projected expense savings to the Redeveloper attributable to the reduction to the annual tax liability with regard to the Project and the projected income reduction to the Redeveloper attributable to the reduction in the amount of payments under the Notes) will be revenue-neutral to the Redeveloper. If the principal amount of the Notes is reduced pursuant to this Section 6.4, and there is subsequently a legislative change which increases the tax rate classification (i.e., the legislation giving rise to the reduction is repealed), the HRA shall adjust the principal amount of the Notes to reflect such increased tax burden in the same manner as the reduction aforesaid; provided, however, that any such increase be limited to the aggregate amount by which the principal balance of the Notes was previously reduced pursuant to this Section 6.4. Public Redevelopment Costs exceeding the principal amount of the Notes are the sole responsibility of Redeveloper. Section 6.5. Transfer Obligations. Notwithstanding anything herein to the contrary, the parties acknowledge and agree that upon Transfer of any Phase to another person or entity, the Redeveloper will remain obligated under this Article VI hereof, unless the Redeveloper is released from such obligations with respect to that Phase in accordance with the terms and conditions of Section 8.2(b) or 8.3 hereof. Section 6.6. Minimum Assessment Agreement. (a) On or about the date of completion of each Phase, the Redeveloper shall execute a Minimum Assessment Agreement for the Phase pursuant to Section 469.177, subdivision 8 of the TIF Act, specifying an assessor’s minimum market value for that Phase with the Minimum Improvements constructed thereon. Redeveloper and HRA will enter into a Minimum Market Value Assessment Agreement (MAA) setting a minimum property tax value for the rental portions of the various Phases as noted below: DRAFT 12.17.2021 23 HP145\47\767778.v9 Phase Amount Date Phase IA – Building C $105,030,000 January 2, 2025 for payable 2026_ Phase IB – Building D $44,880,000 January 2, 2025 for payable 2026 Phase IIA – Building A $25,990,000 January 2, 2026 for payable 2027 The Redeveloper and the HRA agree that the dates for the applicable Phase MAA may be revised based upon timing of actual construction schedules and that the final MAA amounts may be revised based upon current market valuations provided by the County Assessor. Revisions to the dates of the applicable Phase MAA and execution thereof shall not require approval or further action by the HRA and can be completed administratively by staff and legal counsel, so long as such revision is no more than 18 months from the applicable Phase MAA as noted in the above schedule. Any revisions to the dates beyond 18 months for the applicable Phase MAA shall require renegotiation between the parties. Revisions to the MAA amounts shall not require approval or further action by the HRA and can be completed administratively by staff and legal counsel. The Minimum Assessment Agreement for each Phase shall terminate as to that Phase on the Termination Date for that Phase. (b) The Minimum Assessment Agreements shall be substantially in the form attached hereto as Exhibit G. Nothing in a Minimum Assessment Agreement shall limit the discretion of the assessor to assign a market value to the property in excess of such assessor’s minimum market value nor prohibit the Redeveloper from seeking through the exercise of legal or administrative remedies a reduction in such market value for property tax purposes, provided however, that the Redeveloper shall not seek a reduction of such market value below the assessor’s minimum market value in any year so long as such Minimum Assessment Agreement shall remain in effect. The Minimum Assessment Agreements shall remain in effect for the period described in Exhibit G. ARTICLE VII Financing Section 7.1. Mortgage Financing. (a) Before commencement of construction of the Minimum Improvements, the Redeveloper must submit to the HRA or provide access thereto for review by HRA staff, consultants and agents, evidence reasonably satisfactory to the HRA that Redeveloper has available funds, or commitments to obtain funds, whether in the nature of mortgage financing, equity, grants, loans or other sources sufficient for payment of the Minimum Improvements, provided that any lender or grantor commitments shall be subject only to such conditions as are normal and customary in the commercial lending industry. The commitments may be submitted as short term financing, long term mortgage financing, a bridge loan with a long term take-out financing commitment, or any combination of the foregoing. DRAFT 12.17.2021 24 HP145\47\767778.v9 (b) If the HRA finds that the financing is sufficiently committed and adequate in amount to pay the costs specified in paragraph (a) then the HRA will notify the Redeveloper in writing of its approval. Such approval will not be unreasonably withheld and either approval or rejection will be given within twenty (20) days from the date when the HRA is provided the evidence of financing. A failure by the HRA to respond to the evidence of financing will be deemed to constitute an approval hereunder. If the HRA rejects the evidence of financing as inadequate, it will do so in writing specifying the basis for the rejection. In any event the Redeveloper will submit adequate evidence of financing within ten (10) days after any rejection. Section 7.2. HRA’s Option to Cure Default under a Mortgage. In the event that there occurs a default under any Mortgage authorized pursuant to Section 7.1 of this Agreement, to the extent the Redeveloper is aware of such default, the Redeveloper shall cause the HRA to receive copies of any notice of default received by the Redeveloper from the holder of such Mortgage. Thereafter, to the extent permitted by the Holder of any Mortgage, the HRA shall have the right, but not the obligation, to cure any such default on behalf of the Redeveloper within such cure periods as are available to the Redeveloper under the Mortgage documents. In the event there is an event of default under this Agreement, the HRA will transmit to the Holder of any Mortgage a copy of any notice of default given by the HRA pursuant to Article IX hereof. Section 7.3. Modification; Subordination. In order to facilitate the securing of other financing, the HRA agrees to subordinate its rights under this Agreement provided that such subordination shall be subject to such reasonable terms and conditions as the HRA and Holder mutually agree in writing. Notwithstanding anything to the contrary herein, any subordination agreement must include the provision described in Section 7.2 hereof. ARTICLE VIII Prohibitions Against Assignment and Transfer; Indemnification Section 8.1. Representation as to Redevelopment. The Redeveloper represents and agrees that its purchase of the Redevelopment Property, and its other undertakings pursuant to the Agreement, are, and will be used, for the purpose of development of the Redevelopment Property and not for speculation in land holding. Section 8.2. Prohibition Against Redeveloper’s Transfer of Property and Assignment of Agreement. The Redeveloper represents and agrees that, as to each Phase, until either the issuance of the Certificate of Completion for the Minimum Improvements in that Phase or the Termination Date for that Phase, as applicable: (a) Except as specifically described in this Agreement, the Redeveloper has not made or created and will not make or create or suffer to be made or created any total or partial sale, assignment, conveyance, or lease, or any trust or power, or transfer in any other mode or form of or with respect to this Agreement or the Redevelopment Property or any part thereof or any interest therein, or any contract or agreement to do any of the same, to any person or entity (collectively, a “Transfer”), without the prior written approval of the HRA’s board of commissioners. The term “Transfer” does not include (i) a mortgage made or granted by way of security for, and only for, the purpose of obtaining construction, interim or permanent financing DRAFT 12.17.2021 25 HP145\47\767778.v9 necessary to enable the Redeveloper or any successor in interest to any Phase or to construct the Minimum Improvements or component thereof; (ii) any lease, license, easement or similar arrangement entered into in the ordinary course of business related to operation of the Minimum Improvements; (iii) acquisition of a controlling interest in Redeveloper by another entity or merger of Redeveloper with another entity; (iv) any sale, conveyance, or transfer in any form to any affiliate of Redeveloper; (v) a transfer to a third party if the Redeveloper is unable to commence construction by the date provided in Section 4.3 hereof and the HRA terminates this Agreement pursuant to Section 9.2(b) hereof; or (vi) transfers of membership interests or other ownership interests in the Redeveloper, pursuant to the Redeveloper’s operating agreement or partnership agreement. The HRA acknowledges that the Redeveloper may assign or sell the Note for a Phase to a Lender or another party. For all other assignments, the HRA shall require an Investment Letter from the assignee in the form set forth in EXHIBIT H. (b) If the Redeveloper seeks to effect a Transfer of any Phase or other part of the Redevelopment Property requiring the approval of the HRA after the issuance of the Certificate of Completion for that Phase, the HRA shall be entitled to require as conditions to such Transfer that: (1) any proposed transferee shall have the qualifications and financial responsibility, in the reasonable judgment of the HRA, necessary and adequate to fulfill the obligations undertaken in this Agreement by the Redeveloper as to the portion of the Redevelopment Property to be transferred; and (2) Any proposed transferee, by instrument in writing satisfactory to the HRA and in form recordable in the public land records of the County, shall, for itself and its successors and assigns, and expressly for the benefit of the HRA, have expressly assumed all of the obligations of the Redeveloper under this Agreement as to the portion of the Redevelopment Property to be transferred and agreed to be subject to all the conditions and restrictions to which the Redeveloper is subject as to such portion; provided, however, that the fact that any transferee of, or any other successor in interest whatsoever to, the Redevelopment Property, or any part thereof, shall not, for whatever reason, have assumed such obligations or so agreed, and shall not (unless and only to the extent otherwise specifically provided in this Agreement or agreed to in writing by the HRA) deprive the HRA of any rights or remedies or controls with respect to the Redevelopment Property, the Minimum Improvements or any part thereof or the construction of the Minimum Improvements; it being the intent of the parties as expressed in this Agreement that (to the fullest extent permitted at law and in equity and excepting only in the manner and to the extent specifically provided otherwise in this Agreement) no transfer of, or change with respect to, ownership in the Redevelopment Property or any part thereof, or any interest therein, however consummated or occurring, and whether voluntary or involuntary, shall operate, legally, or practically, to deprive or limit the HRA of or with respect to any rights or remedies on controls provided in or resulting from this Agreement with respect to the Redevelopment Property that the HRA would have had, had there been no such transfer or change. In the absence of specific written agreement by the HRA to the contrary, no such transfer or approval by the HRA thereof shall be deemed to relieve the Redeveloper, or any other party bound in any way by this Agreement or DRAFT 12.17.2021 26 HP145\47\767778.v9 otherwise with respect to the Redevelopment Property, from any of its obligations with respect thereto. (3) Any and all instruments and other legal documents involved in effecting the transfer of any interest in this Agreement or the Redevelopment Property governed by this Article VIII, shall be in a form reasonably satisfactory to the HRA. (c) If the conditions described in paragraph (b) are satisfied then the Transfer will be approved and the Redeveloper shall be released from its obligation under this Agreement, as to the portion of the Redevelopment Property that is transferred, assigned, or otherwise conveyed. The provisions of this paragraph (c) apply to all subsequent transferors, assuming compliance with the terms of this Article VIII. Section 8.3. Release and Indemnification Covenants. (a) The Redeveloper releases from and covenants and agrees that the HRA and its respective governing body members, officers, agents, servants and employees thereof will not be liable for and agrees to indemnify and hold harmless the HRA and its respective 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 Minimum Improvements. (b) Except for any willful misrepresentation or any willful or wanton misconduct of the following named parties, the Redeveloper agrees to protect and defend the HRA and its respective governing body members, officers, agents, servants and employees (the “Indemnified Parties”) thereof, now or forever, and further agrees to hold the aforesaid harmless 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, maintenance and operation of the Minimum Improvements. (c) Except for any negligence of the Indemnified Parties (as defined in clause (b) above), and except for any breach by the Indemnified Parties of their obligations under this Agreement, the Indemnified Parties 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. (d) All covenants, stipulations, promises, agreements and obligations of the HRA contained herein will be deemed to be the covenants, stipulations, promises, agreements and obligations of the HRA and not of any governing body member, officer, agent, servant or employee of the HRA in the individual capacity thereof. DRAFT 12.17.2021 27 HP145\47\767778.v9 ARTICLE IX Events of Default Section 9.1. Events of Default Defined. “Event of Default” means any one or more of the following events, after the non-defaulting party provides sixty (60) days’ written notice to the defaulting party of the event, but only if the event has not been cured within said sixty (60) days after written notice of default has been tendered or, if the event is incurable within sixty (60) days, the defaulting party does not, within the sixty (60) day period, provide assurances reasonably satisfactory to the non-defaulting party that the event will be cured as soon as reasonably possible: (a) Failure by the Redeveloper to acquire the Redevelopment Property in accordance with Article III of this Agreement, unless the failure is caused by an Unavoidable Delay; (b) Failure by the Redeveloper to seek approvals from the City and other entities necessary in order to construct the Minimum Improvements, unless the failure is caused by an Unavoidable Delay; (c) Failure by the Redeveloper to commence and complete construction of the Minimum Improvements pursuant to the terms, conditions and limitations of Article IV of this Agreement, including the timing thereof, unless such failure is caused by an Unavoidable Delay or waived by the Redeveloper and HRA; (d) Failure by the Redeveloper to provide and maintain any insurance required to be provided and maintained by Article V; (e) If the Redeveloper shall file a petition in bankruptcy, or shall make an assignment for the benefit of its creditors or shall consent to the appointment of a receiver; (f) Failure by the Redeveloper to reimburse the HRA for its administrative expenses associated with the processing of Redeveloper’s requests, or to make the necessary escrow deposits pursuant to Section 3.4; (g) Sale of the Redevelopment Property or the Minimum Improvements, or any portion thereof, by the Redeveloper in violation of Article VIII of this Agreement; or (h) Failure by either party to observe or perform any material covenant, condition, obligation or agreement on its part to be observed or performed under this Agreement. Section 9.2. Remedies of Default. Whenever any Event of Default referred to in Section 9.1 hereof occurs, the non-defaulting party may exercise its rights under this Section 9.2 only if the Event of Default has not been cured within sixty (60) days of the non-defaulting party’s tender of a notice of default or, if the Event of Default is incurable within sixty (60) days, the defaulting party does not provide assurances reasonably satisfactory to the non-defaulting party that the Event of Default will be cured as soon as reasonably possible: DRAFT 12.17.2021 28 HP145\47\767778.v9 (a) Suspend its performance under the Agreement until it receives assurances that the defaulting party will cure its default and continue its performance under the Agreement. (b) Cancel and rescind or terminate the Agreement. (c) Upon a default by the Redeveloper, the HRA may suspend payments under the Notes or terminate the Notes and the TIF District, subject to the provisions of Section 9.3 hereof. (d) Upon failure by Redeveloper to timely commence or complete construction of the Minimum Improvements in accordance with Section 4.3 hereof, subject to the notice and cure periods set forth herein, the HRA may terminate this Agreement; provided, however, that notwithstanding anything herein to the contrary, the HRA acknowledges and agrees that it shall have no remedy of specific performance with regard to the Redeveloper’s obligation to commence the construction of the Minimum Improvements. (e) Take whatever action, including legal, equitable or administrative action, which may appear necessary or desirable to collect any payments due under this Agreement, or to enforce performance and observance of any obligation, agreement, or covenant under this Agreement. _____________________________________, a Minnesota corporation, its successors and/or assigns (the “Investor Limited Partner”), the limited partner of the Redeveloper shall have the right, but not the obligation, to cure any default of the Redeveloper hereunder and such cure shall be deemed to have been made by the Redeveloper. The Lender with respect to each Phase shall have the right, but not the obligation, to cure any default of the Redeveloper hereunder and such cure shall be deemed to have been made by the Redeveloper. Section 9.3. Termination or Suspension of Notes. After the HRA has issued its Certificate of Completion for any Phase of the Minimum Improvements, the HRA may exercise its rights under Section 9.2(c) hereof with respect to that Phase only for the following Events of Default: (a) the Redeveloper fails to pay real estate taxes or assessments on that Phase of the Redevelopment Property or any part thereof when due, and the taxes or assessments have not been paid, or provision satisfactory to the HRA made for their payment, within sixty (60) days after written demand by the HRA to do so; or (b) the Redeveloper fails to comply with the Redeveloper’s obligations to operate and maintain, preserve and keep that Phase of the Minimum Improvements or cause the improvements to be maintained, preserved and kept with the appurtenances and every part and parcel thereof, in good repair and condition, pursuant to Sections 4.1 and 5.1(e) hereof; provided that, upon failure to comply with the obligations under Section 4.1 or 5.1(e) hereof, if uncured after sixty (60) days’ written notice to the Redeveloper of the failure, the HRA may only suspend payments under the Note for that Phase until the Redeveloper complies with said obligations. If DRAFT 12.17.2021 29 HP145\47\767778.v9 the Redeveloper fails to comply with said obligations for a period of eighteen months, the HRA may terminate the Note with respect to that Phase; or (c) the Redeveloper fails to comply with the affordability covenants provided in Section 4.5 hereof with respect to that Phase. Section 9.4. No Remedy Exclusive. No remedy herein conferred upon or reserved to the HRA, the Redeveloper is intended to be exclusive of any other available remedy or remedies, but each and every remedy will be cumulative and will 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 will impair any right or power or will be construed to be a waiver thereof, but any right and power may be exercised from time to time and as often as may be deemed expedient. In order to entitle the HRA to exercise any remedy reserved to it, it will not be necessary to give notice, other than the notices already required in Sections 9.2 and 9.3 hereof. Section 9.5. No Additional Waiver Implied by One Waiver. In the event any agreement contained in this Agreement should be breached by either party and thereafter waived by the other party, the waiver will be limited to the particular breach so waived and will not be deemed to waive any other concurrent, previous or subsequent breach hereunder. Section 9.6. Attorney Fees. Whenever any Event of Default occurs (as determined by a final court or administrative order or Redeveloper admissions) and if the HRA 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, the Redeveloper agrees that it shall, within ten (10) days of written demand by the HRA, pay to the HRA the reasonable fees of such attorneys and such other reasonable expenses so incurred by the HRA. ARTICLE X Additional Provisions Section 10.1. Conflict of Interests; Representatives Not Individually Liable. To the best of Redeveloper’s knowledge, no member, official, or employee of the HRA shall have any personal financial interest, direct or indirect, in this Agreement, nor shall any such member, official, or employee participate in any decision relating to the Agreement which affects his or her personal financial interests or the interests of any corporation, partnership, or association in which he or she is, directly or indirectly, interested. No member, official, or employee of the HRA 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 or on any obligations under the terms of this Agreement. Section 10.2. Equal Employment Opportunity. The Redeveloper, for itself and its successors and assigns, agrees that during the construction of the Minimum Improvements provided for in this Agreement, it will comply with all applicable equal employment and nondiscrimination laws and regulations. DRAFT 12.17.2021 30 HP145\47\767778.v9 Section 10.3. Restrictions on Use. The Redeveloper agrees that through the Termination Date for each Phase it will use the Minimum Improvements in that Phase for only such uses as permitted under the City’s land use regulations. Further, the Redeveloper agrees that, prior to the Maturity Date with respect to each Phase, the Redeveloper, and such successors and assigns, shall use that Phase solely for the development of multifamily housing in accordance with the terms of this Agreement, and shall not discriminate upon the basis of race, color, creed, sex or national origin in the sale, lease, or rental or in the use or occupancy of the Redevelopment Property or any improvements erected or to be erected thereon, or any part thereof. Section 10.4. Notices and Demands. Except as otherwise expressly provided in this Agreement, any notice, demand, or other communication under the Agreement or any related document by either party to the other shall be sufficiently given or delivered if it is dispatched by registered or certified United States mail, postage prepaid, return receipt requested, or delivered personally to: (a) in the case of the Redeveloper: Alatus Hopkins MD LLC IDS Center 80 South 8th Street, Suite 4155 Minneapolis, MN 55402 Attn: Robert Lux and with copies to: Fabyanske, Westra, Hart & Thomson, P.A. 333 South Seventh Street, Suite 2600 Minneapolis, MN 55402 Attn: Steve Cox (b) in the case of City: City of Hopkins 1010 1st Avenue South Hopkins, MN 55343 Attn: City Manager with a copy to: Kennedy & Graven, Chartered 150 South 5th Street, Suite 700 Minneapolis, MN 55402 Attn: Scott J. Riggs (c) in the case of the HRA: Housing and Redevelopment Authority in and for the City of Hopkins 1010 1st Avenue South Hopkins, MN 55343 Attn: Executive Director 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 10.4. Section 10.5. Counterparts. This Agreement may be executed in any number of counterparts, each of which shall constitute one and the same instrument. DRAFT 12.17.2021 31 HP145\47\767778.v9 Section 10.6. Disclaimer of Relationships. The Redeveloper acknowledges that nothing contained in this Agreement nor any act by the HRA 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 HRA and the Redeveloper. Section 10.7. Amendment. This Agreement may be amended only by the written agreement of the parties. Section 10.8. Recording. The HRA intends to record this Agreement among the land records of Hennepin County, Minnesota and the Redeveloper agrees to pay for the cost of recording same. Section 10.9. Indemnity. The Redeveloper hereby agrees that the HRA, and its governing body members, officers, agents, and employees shall not be liable for, and hereby agrees to indemnify and hold harmless the same, against any loss or claims arising under this Agreement, except for losses or claims arising out of the acts or omissions of the HRA, and its governing body members, officers, agents, and employees. Section 10.10. Titles of Articles and Sections. Any titles of the several parts, articles, and sections of this Agreement are inserted for convenience of reference only and shall be disregarded in construing or interpreting any of its provisions. Section 10.11. Governing Law; Venue. This Agreement shall be construed in accordance with the laws of Minnesota. Any dispute arising from this Agreement shall be heard in the State or federal courts of Minnesota, and all parties waive any objection to the jurisdiction thereof, whether based on convenience or otherwise. Section 10.12. Provisions Not Merged With Deed. None of the provisions of this Agreement are intended to or will be merged by reason of any deed transferring any interest in the Redevelopment Property and any deed will not be deemed to affect or impair the provisions and covenants of this Agreement. Section 10.13. Approvals. Unless otherwise specified, any approval required by the HRA or the City under this Agreement may be given by the HRA staff or City staff, and any approval by either the HRA or the City will be deemed to be the approval of both the HRA and the City. Except where this Agreement expressly provides otherwise, each part agrees not to unreasonably withhold, condition, or delay any approval or consent required of it under this Agreement. Section 10.14. Termination. This Agreement terminates as to each Phase on the Termination Date for that Phase, except that termination of this Agreement does not terminate, limit or affect the rights of any party that arise under this Agreement before the Termination Date. Section 10.15. Public Art: Redeveloper is obligated to expend at least $250,000.00 for public artwork to be placed in prominent locations on the Property, on the exterior of the Minimum DRAFT 12.17.2021 32 HP145\47\767778.v9 Improvements. Prior to the commission of the public artwork, the public artwork shall be approved by the City, which approval shall not be unreasonably withheld. The artwork shall be installed prior to issuance of the Certificate of Occupancy for the applicable Phase. Section 10.16. Park Dedication: The Redeveloper will pay applicable park dedication fees to the City at the time of issuance of a building permit for any applicable Phase. The City agrees that when a building permit is pulled for any Phase, the Redeveloper’s park dedication payment (which may be required by the City in lieu of land dedication) will be calculated based on the City’s park dedication fees that are in existence as of the effective date of this Agreement and, unless otherwise agreed to by the parties in the future, said payments shall be made at the time of issuance of a building permit for the applicable Phase, as the case may be. The current park dedication fee for multiple family residential subdivisions is $3,000 per unit while the commercial fee is an amount equal to five (5) percent of the fair market value of the commercial land as estimated by the county assessor. Park dedication fees are typically due with final plat approval. Section 10.17. Miscellaneous: (a) No transfer of the Redevelopment Property or this Agreement without City and HRA consent which will not be unreasonably withheld; (b) Redeveloper will retain a management company with experience in the management of multifamily rental housing developments, subject to reasonable approval by the HRA; (c) Grants: The City and Redeveloper have applied for a Metropolitan Council TOD Grant of $1,250,000. The City and Redeveloper expect to apply for Hennepin County TOD Grant funding and MN DEED Redevelopment Grant funding as well. These grants have been accounted for in the Redevelopers Proforma. Any other future grants beyond these for any future applicable Phase that are received will reduce the principal amount of the Note for the applicable Phase. Section 10.18. Commercial Space in Phase IA – Building C and Phase IB: The intent is to create opportunities for neighborhood serving commercial space for small businesses including minority owned or operated, and locally or regionally owned or operated businesses. The HRA and Redeveloper agree to collaborate to accomplish the goal of providing up to 50% of the 17,000 square feet of Commercial Space available to these users, with a minimum requirement of 40%. The outcomes of the collaboration will be outlined in a business plan approved by City staff and the Redeveloper. Section 10.19. PUD Agreement/Subdivision: The City and HRA and the Redeveloper have or intend to enter into a PUD Agreement (the “PUD Agreement”) regarding the redevelopment of the Redevelopment Property, subdivision of the Redevelopment Property, planning and zoning approvals related to the Redevelopment Property, and improvements to be made by the Redeveloper to the Redevelopment Property (the “Minimum Improvements”), which DRAFT 12.17.2021 33 HP145\47\767778.v9 such PUD Agreement is incorporated by reference into and made a part of this Agreement as if fully set forth herein. All defined terms of the PUD Agreement shall have the same meaning in this Agreement and all other requirements of the PUD Agreement as to the Minimum Improvements and the Construction Plans shall be satisfied and adhered to by the Redeveloper as if such requirements were fully set forth in this Agreement. Section 10.20. Rent Control Provisions: The City, HRA and Redeveloper agree that any rental units within any phase at the Redevelopment Property shall be excluded from any future adopted rent control provisions. Section 10.21. Parking Rental. The Redeveloper intends to rent parking spaces in the underground garage to tenants of the Minimum Improvements for approximately $75 to $150 per parking space per month initially. The Redeveloper agrees that the monthly rental rate charged for each underground parking space will be the same for all tenants of the applicable Phase within the Minimum Improvements. ******************* DRAFT 12.17.2021 34 HP145\47\767778.v9 IN WITNESS WHEREOF, the City, the HRA and the Redeveloper have caused this Agreement to be duly executed in their names and behalves on or as of the date first above written. CITY OF HOPKINS: By: Jason Gadd Its: Mayor By: Mike Mornson Its: City Manager STATE OF MINNESOTA ) ) ss. COUNTY OF HENNEPIN ) The foregoing instrument as acknowledged before me this _____ day of ____________, 202__, by Jason Gadd and Mike Mornson, the Mayor and City Manager, for the City of Hopkins, a Minnesota municipal corporation, respectively, on behalf of the City. ____________________________________ Notary Public DRAFT 12.17.2021 35 HP145\47\767778.v9 HOUSING AND REDEVELOPMENT AUTHORITY IN AND FOR THE CITY OF HOPKINS: By: Jason Gadd Its: President By: Mike Mornson Its: Executive Director STATE OF MINNESOTA ) ) ss. COUNTY OF HENNEPIN ) The foregoing instrument as acknowledged before me this _____ day of ____________, 202__, by Jason Gadd and Mike Mornson, the President and Executive Director of the Housing and Redevelopment Authority in and for the City of Hopkins, a public body corporate and politic under the laws of Minnesota, respectively, on behalf of the Housing and Redevelopment Authority. ____________________________________ Notary Public DRAFT 12.17.2021 36 HP145\47\767778.v9 REDEVELOPER: ALATUS HOPKINS MD LLC By: ____________________________ ____________________________ Its: Chief Manager STATE OF MINNESOTA ) ) ss. COUNTY OF __________ ) The foregoing instrument was acknowledged before me this ______ day of ____________, 202__, by __________________________, the Chief Manager of Alatus Hopkins MD LLC, a Minnesota limited company, on behalf of the company. __________________________________ Notary Public DRAFT 12.17.2021 A-1 HP145\47\767778.v9 EXHIBIT A TO REDEVELOPMENT AGREEMENT LEGAL DESCRIPTION OF REDEVELOPMENT PROPERTY A portion of the property legally described below that is to be platted as MILE 14 ON MINNEHAHA CREEK: PARCEL 1: Lot 74, Auditor's Subdivision No. 239, Hennepin County, Minnesota, except that part of said Lot 74 which is designated and delineated as Parcel 29, Hennepin County Right of Way Map No. 2, according to the plat thereof on file or of record in the office of the County Recorder in and for said County. (Torrens Property, Certificate of Title No. 1341193) PARCEL 2: That part of Lot 97, Auditor's Subdivision No. 239, Hennepin County, Minnesota, described as follows: Beginning at the point of intersection of the East line of Monck Avenue, (as shown on the recorded plat of said subdivision), with the most Northerly right of way line of The Minneapolis & St. Louis Railway Company; thence in a Northeasterly direction along said Northerly right of way line, a distance of 845 feet to a point; thence South parallel with and 845 feet from the East line of Monck Avenue, (as shown on the recorded plat of said subdivision), a distance of 14.48 feet to a point; thence in a Southwesterly direction parallel with and 13 feet from the most Northerly right of way line, a distance of 845 feet to a point on said East line of Monck Avenue, (as shown on the recorded plat of said subdivision); thence North along said East line of Monck Avenue, (as shown on the recorded plat of said subdivision), a distance of 14.48 feet to the point of beginning, except that part of said Lot 97 which is designated and delineated as Parcel 29A, Hennepin County Right of Way Map No. 2, according to the map thereof on file and of record in the office of the County Recorder in and for Hennepin County, Minnesota, all being located in the Southeast Quarter of the Northeast Quarter of Section 19, Township 117 North, Range 21 West of the 5th Principal Meridian. (Abstract Property) DRAFT 12.17.2021 B-1 HP145\47\767778.v9 EXHIBIT B TO REDEVELOPMENT AGREEMENT DEPICTION OF THE REDEVELOPMENT PROPERTY AND MINIMUM IMPROVEMENTS All Depictions of the Redevelopment Property and Minimum Improvements are on file and available at City Hall. DRAFT 12.17.2021 C-1 HP145\47\767778.v9 EXHIBIT C TO REDEVELOPMENT AGREEMENT PRELIMINARY PLAN DOCUMENTS All preliminary plan documents are on file and available at City Hall. DRAFT 12.17.2021 D-1 HP145\47\767778.v9 EXHIBIT D TO REDEVELOPMENT AGREEMENT FORM OF CERTIFICATE OF COMPLETION WHEREAS, City of Hopkins, a Minnesota municipal corporation (“City”), and Housing and Redevelopment Authority in and for the City of Hopkins, corporate and politic under the laws of Minnesota (“HRA”), and Alatus Hopkins MD LLC, a Minnesota limited liability company, formed under the laws of Minnesota (the “Redeveloper”), have entered into a certain Contract for Private Redevelopment (the “Agreement”) dated the ____ day of ____________, 202___, and recorded in the office of the County Recorder and Registrar in Hennepin County, Minnesota, as Document No. __________, which Agreement contained certain covenants and restrictions regarding completion of the Minimum Improvements, as defined in the Agreement; and WHEREAS, the Redeveloper has performed said covenants and conditions in a manner deemed sufficient by the HRA to permit the execution and recording of this certification. NOW, THEREFORE, this is to certify that all construction of the Minimum Improvements specified to be done and made by the Redeveloper has been completed and the covenants and conditions in the Agreement have been performed by the Redeveloper, and the County Recorder in Hennepin County, Minnesota, is hereby authorized to accept for recording and to record the filing of this instrument, to be a conclusive determination of the satisfactory termination of the covenants and conditions relating to completion of the Minimum Improvements and the expiration of certain obligations contained in the Agreement to the extent expressly provided for therein. Unless otherwise expressly provided in the Agreement, Redeveloper shall be deemed to have satisfied its obligations under the Agreement. Dated: _______________, 202__. CITY OF HOPKINS: By: Its: Mayor By: Its: City Manager DRAFT 12.17.2021 D-2 HP145\47\767778.v9 STATE OF MINNESOTA ) ) ss. COUNTY OF HENNEPIN ) The foregoing instrument as acknowledged before me this _____ day of ____________, 202__, by ____________ and ____________, the Mayor and City Manager, for the City of Hopkins, a Minnesota municipal corporation, respectively, on behalf of the City. ____________________________________ Notary Public HOUSING AND REDEVELOPMENT AUTHORITY IN AND FOR THE CITY OF HOPKINS: By: ______________________________ Its: President By: ______________________________ Its: Executive Director STATE OF MINNESOTA ) ) ss. COUNTY OF HENNEPIN ) The foregoing instrument as acknowledged before me this _____ day of ____________, 202__, by ________________ and ________________________, the President and Executive Director of the Housing and Redevelopment Authority in and for the City of Hopkins, a public body corporate and politic under the laws of Minnesota, respectively, on behalf of the Housing and Redevelopment Authority. ____________________________________ Notary Public DRAFT 12.17.2021 E-1 HP145\47\767778.v9 EXHIBIT E TO REDEVELOPMENT AGREEMENT FORM OF NOTES AND TERMS OF NOTES HOUSING AND REDEVELOPMENT AUTHORITY IN AND FOR THE CITY OF HOPKIN Section 1. Form of Notes. The Notes will be in substantially the following form, with the blanks to be properly filled in and the principal amount and payment schedule adjusted as of the date of issue: UNITED STATE OF AMERICA STATE OF MINNESOTA HENNEPIN COUNTY HOUSING AND REDEVELOPMENT AUTHORITY IN AND FOR THE CITY OF HOPKINS No. R-1 $________ TAXABLE TAX INCREMENT REVENUE NOTE SERIES 202_ Date Rate of Original Issue ___% __________ [INSERT DATE] Housing and Redevelopment Authority in and for the City of Hopkins (“HRA”), for value received, certifies that it is indebted and hereby promises to pay to _____ LLC, a Minnesota limited liability company, or its registered assigns (the “Owner”), the principal sum of $____________ and to pay interest thereon at the rate of ___ percent per annum, as and to the extent set forth herein. 1. Payments. Principal and interest (“Payments”) are estimated to be paid on August 1, 20__, and each February 1 and August 1 thereafter to and including February 1, 20__ (“Payment Dates”), in the amounts and from the sources set forth in Section 3 herein. Payments will be applied first to accrued interest, and then to unpaid principal. Payments are payable by mail to the address of the Owner or any other address as the Owner may designate upon 30 days written notice to HRA. Payments on this Note are payable in any coin or currency of the United States of America which, on the Payment Date, is legal tender for the payment of public and private debts. 2. Interest. Interest at the simple non-compounded rate stated herein will accrue on the unpaid principal, commencing on the date of original issue. Interest will be computed on the basis of a year of 360 days and charged for actual days principal is unpaid. DRAFT 12.17.2021 E-2 HP145\47\767778.v9 3. Available Tax Increment. Payments on this Note are payable on each Payment Date in the amount of and solely payable from “Available Tax Increment,” which will mean, on each Payment Date, ___ percent of the Tax Increment attributable to the Redevelopment Property (defined in the Agreement) and paid to the HRA by Hennepin County in the six months preceding the Payment Date, all as the terms are defined in the Contract for Private Redevelopment between the HRA and Owner dated as of ______________, 202___ (the “Agreement”). Available Tax Increment will not include any Tax Increment if, as of any Payment Date, there is an uncured Event of Default by the Owner under the Agreement. At the sole discretion of the HRA, they may provide payment on the Note from other sources. The HRA will have no obligation to pay principal of and interest on this Note on each Payment Date from any source other than Available Tax Increment, and the failure of the HRA to pay the entire amount of principal or interest on this Note on any Payment Date will not constitute a default hereunder as long as the HRA pays principal and interest hereon to the extent of Available Tax Increment. The HRA will have no obligation to pay unpaid balance of principal or accrued interest that may remain after the final Payment on February 1, 20___. 4. Optional Prepayment. The principal sum and all accrued interest payable under this Note is prepayable in whole or in part at any time by HRA without premium or penalty. No partial prepayment will affect the amount or timing of any other regular payment otherwise required to be made under this Note. 5. Termination. At the HRA’s option, this Note will terminate and the HRA’s obligation to make any payments under this Note will be discharged upon the occurrence of an Event of Default on the part of the Redeveloper with respect to the relevant Phase applicable to this Note [a default with respect to any other Phase will not allow the HRA to terminate payments under this Note] as defined in Section 9.1 of the Agreement, but only if the Event of Default has not been cured in accordance with Section 9.2 of the Agreement. 6. Nature of Obligation. This Note is a single note in the total principal amount of $____________ issued to aid in financing certain public redevelopment costs and administrative costs of a Redevelopment Project undertaken by the HRA pursuant to Minnesota Statutes, Sections 469.001 through 469.047, as amended, and is issued pursuant to the resolution (the “Resolution”) duly adopted by the HRA on December 21, 2021, and pursuant to and in full conformity with the Constitution and laws of the State of Minnesota, including Minnesota Statutes, Sections 469.174 to 469.179, as amended. This Note is a limited obligation of the HRA which is payable solely from Available Tax Increment pledged to the payment hereof under the Resolution. This Note and the interest hereon will not be deemed to constitute a general obligation of the State of Minnesota or any political subdivision thereof, including, without limitation, the HRA or the city of Hopkins. Neither the State of Minnesota, nor any political subdivision thereof will be obligated to pay the principal of or interest on this Note or other costs incident hereto except out of Available Tax Increment, and neither the full faith and credit nor the taxing power of the State of Minnesota or any political subdivision thereof is pledged to the payment of the principal of or interest on this Note or other costs incident hereto. DRAFT 12.17.2021 E-3 HP145\47\767778.v9 7. Estimated Tax Increment Payments. Any estimates of Tax Increment prepared by the HRA or its financial advisors in connection with the TIF District or the Agreement are for the benefit of the HRA, and are not intended as representations on which the Owner may rely. The HRA MAKES NO REPRESENTATION OR WARRANTY THAT THE AVAILABLE TAX INCREMENT WILL BE SUFFICIENT TO PAY THE PRINCIPAL OF AND INTEREST ON THIS NOTE. 8. Registration and Transfer. This Note is issuable only as a fully registered note without coupons. As provided in the Resolution, and subject to certain limitations set forth therein, this Note is transferable upon the books of the HRA kept for that purpose at the principal office of the Executive Director of the HRA as Registrar, by the Owner hereof in person or by the Owner’s attorney duly authorized in writing, upon surrender of this Note together with a written instrument of transfer satisfactory to the HRA, duly executed by the Owner. Upon the transfer or exchange and the payment by the Owner of any tax, fee, or governmental charge required to be paid by the HRA with respect to the transfer or exchange, there will be issued in the name of the transferee a new Note of the same aggregate principal amount, bearing interest at the same rate and maturing on the same dates. This Note will not be transferred to any person other than an affiliate, or other related entity, of the Owner unless the HRA has been provided with an investment letter in a form substantially similar to the investment letter submitted by the Owner or a certificate of the transferor, in a form satisfactory to the HRA, that the transfer is exempt from registration and prospectus delivery requirements of federal and applicable state securities laws. Notwithstanding the foregoing, Owner may grant, pledge and assign to any lender, to secure full payment and performance of its obligations under the loan, all of Owner’s right, title and interest in and to this Note. The HRA consents to the assignment of this Note to __________________________________________________, a Minnesota nonprofit corporation without the execution of an investment letter. IT IS HEREBY CERTIFIED AND RECITED that all acts, conditions, and things required by the Constitution and laws of the State of Minnesota to be done, to exist, to happen, and to be performed in order to make this Note a valid and binding limited obligation of the HRA according to its terms, have been done, do exist, have happened, and have been performed in due form, time and manner as so required. IN WITNESS WHEREOF, the board of commissioners of the Housing and Redevelopment Authority in and for the City of Hopkins, has caused this Note to be executed with the manual signatures of its President and Executive Director, all as of the Date of Original Issue specified above. HOUSING AND REDEVELOPMENT AUTHORITY IN AND FOR THE CITY OF HOPKINS DRAFT 12.17.2021 E-4 HP145\47\767778.v9 President Executive Director DRAFT 12.17.2021 E-5 HP145\47\767778.v9 REGISTRATION PROVISIONS The ownership of the unpaid balance of the within Note is registered in the bond register of the Executive Director of the HRA, in the name of the person last listed below. Date of Registration Registered Owner Signature of HRA Executive Director Alatus Hopkins MD LLC, a Minnesota limited liability company IDS Center 80 South 8th Street, Suite 4155 Minneapolis, MN 55402 Federal Tax ID # ______________ [End of Form of Note] Section 2. Terms, Execution and Delivery. 2.01. Denomination, Payment. The Note will be issued as a single typewritten note numbered R 1. The Note will be issuable only in fully registered form. Principal of and interest on the Note will be payable by check or draft issued by the Registrar described herein. 2.02. Dates; Interest Payment Dates. Principal of and interest on the Note will be payable by mail to the owner of record thereof as of the close of business on the fifteenth day of the month preceding the Payment Date, whether or not the day is a business day. 2.03. Registration. The HRA hereby appoints the Executive Director to perform the functions of registrar, transfer agent and paying agent (the “Registrar”). The effect of registration and the rights and duties of the HRA and the Registrar with respect thereto will be as follows: (a) Register. The Registrar will keep at their office a bond register in which the Registrar will provide for the registration of ownership of the Note and the registration of transfers and exchanges of the Note. (b) Transfer of Note. Upon surrender for transfer of the Note duly endorsed by the registered owner thereof or accompanied by a written instrument of transfer, in a form reasonably satisfactory to the Registrar, duly executed by the registered owner thereof or by an attorney duly authorized by the registered owner in writing, the Registrar will authenticate and deliver, in the name of the designated transferee or transferees, a new Note of a like aggregate DRAFT 12.17.2021 E-6 HP145\47\767778.v9 principal amount and maturity, as requested by the transferor. Notwithstanding the foregoing, the Note will not be transferred except (1) to any person other than an affiliate, or other related entity, of the Owner unless the HRA has been provided with an investment letter in a form substantially similar to the investment letter submitted by the Owner or a certificate of the transferor, in a form satisfactory to the HRA, that the transfer is exempt from registration and prospectus delivery requirements of federal and applicable state securities laws, or (2) to any lenders of the note holder’s to secure full payment and performance of its obligations under a loan. The HRA consents to an assignment of the Note to _____________________________________, a Minnesota nonprofit corporation, without the execution of an investment letter. For all other assignments, the HRA shall require an investment letter from the assignee. The Registrar may close the books for registration of any transfer after the fifteenth day of the month preceding each Payment Date and until the Payment Date. (c) Cancellation. The Note surrendered upon any transfer will be promptly cancelled by the Registrar and thereafter disposed of as directed by the HRA. (d) Improper or Unauthorized Transfer. When the Note is presented to the Registrar for transfer, the Registrar may refuse to transfer the same until they are satisfied that the endorsement on the Note or separate instrument of transfer is legally authorized. The Registrar will incur no liability for their refusal, in good faith, to make transfers which they, in their judgment, deem improper or unauthorized. (e) Persons Deemed Owners. The HRA and the Registrar may treat the person in whose name the Note is at any time registered in the bond register as the absolute owner of the Note, whether the Note is overdue or not, for the purpose of receiving payment of, or on account of, the principal of and interest on the Note and for all other purposes, and all the payments so made to any registered owner or upon the owner’s order will be valid and effectual to satisfy and discharge the liability of the HRA upon the Note to the extent of the sum or sums so paid. (f) Taxes, Fees and Charges. For every transfer or exchange of the Note, the Registrar may impose a charge upon the owner thereof sufficient to reimburse the Registrar for any tax, fee, or other governmental charge required to be paid with respect to the transfer or exchange. (g) Mutilated, Lost, Stolen or Destroyed Note. In case the Note becomes mutilated or is lost, stolen, or destroyed, the Registrar will deliver a new Note of like amount, maturity dates and tenor in exchange and substitution for and upon cancellation of the mutilated Note or in lieu of and in substitution for the Note lost, stolen, or destroyed, upon the payment of the reasonable expenses and charges of the Registrar in connection therewith; and, in the case the Note lost, stolen, or destroyed, upon filing with the Registrar of evidence satisfactory to it that the Note was lost, stolen, or destroyed, and of the ownership thereof, and upon furnishing to the Registrar of an appropriate bond or indemnity in form, substance, and amount satisfactory to it, in which both the HRA and the Registrar will be named as obligees. The Note so surrendered to the Registrar will be cancelled and evidence of the cancellation will be given to the HRA. If the mutilated, lost, stolen, or destroyed Note has already matured or been called for redemption in accordance with its terms, it will not be necessary to issue a new Note prior to payment. DRAFT 12.17.2021 E-7 HP145\47\767778.v9 2.04. Preparation and Delivery. The Note will be prepared under the direction of the Executive Director and will be executed on behalf of the HRA by the signatures of its President and Executive Director. In case any officer whose signature appears on the Note ceases to be the officer before the delivery of the Note, the signature will nevertheless be valid and sufficient for all purposes, the same as if the officer had remained in office until delivery. When the Note has been so executed, it will be delivered by the HRA to the Owner following the delivery of the necessary items delineated in Section 3.3 of the Agreement. Section 3. Security Provisions. 3.01. Pledge. The HRA hereby pledges to the payment of the principal of and interest on the Note all Available Tax Increment as defined in the Note. Available Tax Increment will be applied to payment of the principal of and interest on the Note in accordance with the terms of the form of Note set forth in Section 2 of this resolution. 3.02. Bond Fund. Until the date the Note is no longer outstanding and no principal thereof or interest thereon (to the extent required to be paid pursuant to this resolution) remains unpaid, the HRA will maintain a separate and special “Bond Fund” to be used for no purpose other than the payment of the principal of and interest on the Note. The HRA irrevocably agrees to appropriate to the Bond Fund in each year Available Tax Increment. Any Available Tax Increment remaining in the Bond Fund will be transferred to the HRA’s account for the TIF District upon the payment of all principal and interest to be paid with respect to the Note. Section 4. Certification of Proceedings. 4.01. Certification of Proceedings. The officers of the HRA are hereby authorized and directed to prepare and furnish to the Owner of the Note certified copies of all proceedings and records of the HRA, and the other affidavits, certificates, and information as may be required to show the facts relating to the legality and marketability of the Note as the same appear from the books and records under their custody and control or as otherwise known to them, and all the certified copies, certificates, and affidavits, including any heretofore furnished, will be deemed representations of the HRA as to the facts recited therein. DRAFT 12.17.2021 F-1 HP145\47\767778.v9 EXHIBIT F DECLARATION OF RESTRICTIVE COVENANTS THIS DECLARATION OF RESTRICTIVE COVENANTS, dated _________________, 202__ (the “Declaration”), by ALATUS HOPKINS MD LLC, A MINNESOTA LIMITED COMPANY, (the “Redeveloper”), is given to HOUSING AND REDEVELOPMENT AUTHORITY IN AND FOR THE CITY OF HOPKINS, a public body corporate and politic under the laws of Minnesota (the “HRA”). RECITALS WHEREAS, the HRA and Redeveloper entered into that certain Contract for Private Development, dated _______________, 202__, filed _____________, 202__ in the Office of the County Recorder for Hennepin County as Document No. _________, and in the Office of the Registrar of Titles for Hennepin County as Document No. __________ (the “Contract”); and WHEREAS, pursuant to the Contract, the Redeveloper is obligated to cause construction of __________________________ (the “Project”) on the property described in EXHIBIT A hereto (the “Redevelopment Property”), and to cause compliance with certain affordability covenants described in Section 4.5 of the Contract; and WHEREAS, Section 4.5 of the Contract requires that the Redeveloper cause to be executed an instrument in recordable form substantially reflecting the covenants set forth in Section 4.5 of the Contract; and WHEREAS, the Redeveloper intends, declares, and covenants that the restrictive covenants set forth herein will be and are covenants running with the Redevelopment Property for the term described herein and binding upon all subsequent owners of the Redevelopment Property for the term described herein, and are not merely personal covenants of the Redeveloper; and WHEREAS, capitalized terms in this Declaration have the meaning provided in the Contract unless otherwise defined herein. NOW, THEREFORE, in consideration of the promises and covenants hereinafter set forth, and of other valuable consideration, the receipt and sufficiency of which is hereby acknowledged, the Redeveloper agrees as follows: 1. Term of Restrictions. (a) Occupancy and Rental Restrictions. The term of the occupancy restrictions set forth in Section 3 and the term of rent restrictions set forth in Section 4 of this Declaration will commence on the date a Certificate of Occupancy is received from the City of Hopkins, Minnesota (the “City”) for the Project. The period from commencement to termination is the “Qualified Project Period.” (b) Termination of Declaration. This Declaration will terminate upon 30 years after the date a Certificate of Occupancy is received for the Project. DRAFT 12.17.2021 F-2 HP145\47\767778.v9 (c) Removal from Real Estate Records. Upon termination of this Declaration, the HRA will, upon request by the Redeveloper or its assigns, file any document appropriate to remove this Declaration from the real estate records of Hennepin County, Minnesota. 2. Project Restrictions. (a) the Redeveloper represents, warrants, and covenants that: (i) All leases of units to Qualifying Tenants (as defined in Section 3(a)(i) hereof) will contain clauses, among others, wherein each individual lessee: (1) Certifies the accuracy of the statements made in its application and Eligibility Certification (as defined in Section 3(a)(ii) hereof); and (2) Agrees that the family income at the time the lease is executed will be deemed substantial and material obligation of the lessee’s tenancy; that the lessee will comply promptly with all requests for income and other information relevant to determining low or moderate income status from the Redeveloper or the HRA, and that the lessee’s failure or refusal to comply with a request for information with respect thereto will be deemed a violation of a substantial obligation of the lessee’s tenancy. (ii) the Redeveloper will permit any duly authorized representative of the HRA to inspect the books and records of the Redeveloper pertaining to the income of Qualifying Tenants residing in the Project. 3. Occupancy Restrictions. The Redeveloper represents, warrants, and covenants that: (a) Qualifying Tenants. From the commencement of the Qualified Project Period, ___ - percent (___%) of the rental Housing Units will be occupied (or treated as occupied as provided herein) or held vacant and available for occupancy by Qualifying Tenants. Qualifying Tenants means those persons and families who are determined from time to time by the Redeveloper to have combined adjusted income that does not exceed _____ percent (___%) or ____ percent (_0%) of the Area Median Income (“AMI”) for the applicable calendar year. For purposes of this definition, the occupants of a residential unit will not be deemed to be Qualifying Tenants if all the occupants of such residential unit at any time are “students,” as defined in Section 151(c)(4) of the Internal Revenue Code of 1986, as amended (the “Code”), not entitled to an exemption under the Code. The determination of whether an individual or family is of low or moderate income will be made at the time the tenancy commences and on an ongoing basis thereafter, determined at least annually. If during their tenancy a Qualifying Tenant’s income exceeds one hundred forty percent (140%) of the maximum income qualifying as low or moderate income for a family of its size, the next available unit (determined in accordance with the Code and applicable regulations) (the “Next Available Unit Rule”) must be leased to a Qualifying Tenant or held vacant and available for occupancy by a Qualifying Tenant. If the Next Available Unit Rule is violated, the Unit will not continue to be treated as a Qualifying Unit. DRAFT 12.17.2021 F-3 HP145\47\767778.v9 (b) Certification of Tenant Eligibility. As a condition to initial and continuing occupancy, each person who is intended to be a Qualifying Tenant will be required annually to sign and deliver to the Redeveloper a Certification of Tenant Eligibility substantially in the form attached as EXHIBIT B hereto, or in any other form as may be approved by the HRA (the “Eligibility Certification”), in which the prospective Qualifying Tenant certifies as to qualifying as low or moderate income. In addition, the person will be required to provide whatever other information, documents, or certifications are deemed necessary by the HRA to substantiate the Eligibility Certification, on an ongoing annual basis, and to verify that the tenant continues to be a Qualifying Tenant within the meaning of Section 3(a) hereof. Eligibility Certifications will be maintained on file by the Redeveloper with respect to each Qualifying Tenant who resides in a Project unit or resided therein during the immediately preceding calendar year. (c) Lease. The form of lease to be utilized by the Redeveloper in renting any units in the Project to any person who is intended to be a Qualifying Tenant will provide for termination of the lease and consent by the person to immediate eviction for failure to qualify as a Qualifying Tenant as a result of any material misrepresentation made by the person with respect to the Eligibility Certification. (d) Annual Report. The Redeveloper covenants and agrees that during the term of this Declaration, it will prepare and submit to the HRA on or before January 31 of each year, a certificate substantially in the form of EXHIBIT C hereto, executed by the Redeveloper, (a) identifying the tenancies and the dates of occupancy (or vacancy) for all Qualifying Tenants in the Project, including the percentage of the dwelling units of the Project which were occupied by Qualifying Tenants (or held vacant and available for occupancy by Qualifying Tenants) at all times during the year preceding the date of the certificate; (b) describing all transfers or other changes in ownership of the Project or any interest therein; and (c) stating, that to the best knowledge of the person executing the certificate after due inquiry, all the units were rented or available for rental on a continuous basis during the year to members of the general public and that the Redeveloper was not otherwise in default under this Declaration during the year. (e) Notice of Non-Compliance. The Redeveloper will immediately notify the HRA if at any time during the term of this Declaration the dwelling units in the Project are not occupied or available for occupancy as required by the terms of this Declaration. 4. Rent Restrictions. For at least thirty years following the date the Project is placed in service, the rents for ____ percent (_0%) of the units and ___ percent (___%) of the units in the Project must not exceed ____ percent (_0%) or ___percent (___%) of the Area Median Income for the applicable calendar year. For each unit that the Redeveloper agrees to accept Section 8 vouchers for, such unit shall be deemed to meet the rent restrictions set forth in this Section 4. 5. Transfer Restrictions. The Redeveloper covenants and agrees that the Redeveloper will cause or require as a condition precedent to any conveyance, transfer, assignment, or any other disposition of the Project prior to the termination of the Rental Restrictions and Occupancy Restrictions provided herein (the “Transfer”) that the transferee of the Project pursuant to the Transfer assume in writing, in a form acceptable to the HRA, all duties and obligations of the DRAFT 12.17.2021 F-4 HP145\47\767778.v9 Redeveloper under this Declaration, including this Section 4, in the event of a subsequent Transfer by the transferee prior to expiration of the Rental Restrictions and Occupancy Restrictions provided herein (the “Assumption Agreement”). The Redeveloper will deliver the Assumption Agreement to the HRA prior to the Transfer. 6. Enforcement. (a) The Redeveloper will permit, during normal business hours and upon reasonable notice, any duly authorized representative of the HRA to inspect any books and records of the Redeveloper regarding the Project with respect to the incomes of Qualifying Tenants. (b) The Redeveloper will submit any other information, documents or certifications requested by the HRA which the HRA deems reasonably necessary to substantial the Redeveloper’s continuing compliance with the provisions specified in this Declaration. (c) The Redeveloper acknowledges that the primary purpose for requiring compliance by the Redeveloper with the restrictions provided in this Declaration is to ensure compliance of the property with the housing affordability covenants set forth in Section 4.5 of the Contract, and by reason thereof, the Redeveloper, in consideration for assistance provided by the HRA under the Contract that makes possible the construction of the Minimum Improvements (as defined in the Contract) on the Redevelopment Property, hereby agrees and consents that the HRA will be entitled, for any breach of the provisions of this Declaration, and in addition to all other remedies provided by law or in equity, to enforce specific performance by the Redeveloper of its obligations under this Declaration in a state court of competent jurisdiction. The Redeveloper hereby further specifically acknowledges that the HRA cannot be adequately compensated by monetary damages in the event of any default hereunder. (d) The Redeveloper understands and acknowledges that, in addition to any remedy set forth herein for failure to comply with the restrictions set forth in this Declaration, the HRA may exercise any remedy available to it under Article IX of the Contract. 7. Indemnification. The Redeveloper hereby indemnifies, and agrees to defend and hold harmless, the HRA from and against all liabilities, losses, damages, costs, expenses (including reasonable attorneys’ fees and expenses), causes of action, suits, allegations, claims, demands, and judgments of any nature arising from the consequences of a legal or administrative proceeding or action brought against them, or any of them, on account of any failure by the Redeveloper to comply with the terms of this Declaration, or on account of any representation or warranty of the Redeveloper contained herein being untrue. 8. Agent of the HRA. Upon any default hereunder, after first providing the Redeveloper with a reasonable amount of time to cure such default, the HRA will have the right to appoint an agent to carry out any of its duties and obligations hereunder, and will inform the Redeveloper of any agency appointment by written notice. 9. Severability. The invalidity of any clause, part or provision of this Declaration will not affect the validity of the remaining portions thereof. DRAFT 12.17.2021 F-5 HP145\47\767778.v9 10. Notices. All notices to be given pursuant to this Declaration must be in writing and will be deemed given when mailed by certified or registered mail, return receipt requested, to the parties hereto at the addresses set forth below, or to any other place as a party may from time to time designate in writing. The Redeveloper and the HRA may, by notice given hereunder, designate any further or different addresses to which subsequent notices, certificates, or other communications are sent. The initial addresses for notices and other communications are as follows: To the HRA: Housing and Redevelopment Authority in and for the City of Hopkins 1010 1st Avenue South Hopkins, MN 55343 Attn: Executive Director With a copy to: Scott J. Riggs Kennedy & Graven, Chartered 150 South 5th Street, Suite 700 Minneapolis, MN 55402 To the Redeveloper: Alatus Hopkins MD LLC IDS Center 80 South 8th Street, Suite 4155 Minneapolis, MN 55402 Attn: Robert Lux With Copies to: _________________________________ _________________________________ ________________________________ Attn: ___________________________ 11. Governing Law. This Declaration is governed by the laws of the State of Minnesota and, where applicable, the laws of the United States of America. 12. Attorneys’ Fees. In case any action at law or in equity, including an action for declaratory relief, is brought against the Redeveloper to enforce the provisions of this Declaration, the Redeveloper agrees to pay the reasonable attorneys’ fees and other reasonable expenses paid or incurred by the HRA in connection with the action. 13. Declaration Binding. This Declaration and the covenants contained herein will run with the real property comprising the Project and will bind the Redeveloper and its successors and assigns and all subsequent owners of the Project or any interest therein, and the benefits will inure to the HRA and its successors and assigns for the term of this Declaration as provided in Section 1(b) hereof. [The remainder of this page has been left intentionally blank.] DRAFT 12.17.2021 F-6 HP145\47\767778.v9 IN WITNESS WHEREOF, the Redeveloper has caused this Declaration of Restrictive Covenants to be signed by its respective duly authorized representatives, as of the day and year first written above. REDEVELOPER: ALATUS HOPKINS MD LLC By: ____________________________ ____________________________ Its: Chief Manager STATE OF MINNESOTA ) ) ss. COUNTY OF __________ ) The foregoing instrument was acknowledged before me this ______ day of ____________, 202__, by __________________________, the Chief Manager of Alatus Hopkins MD LLC, a Minnesota limited company, on behalf of the company. __________________________________ Notary Public THIS INSTRUMENT WAS DRAFTED BY: Kennedy & Graven, Chartered (SJR) 150 South 5th Street, Suite 700 Minneapolis, MN 55402 (612) 337-9300 DRAFT 12.17.2021 F-7 HP145\47\767778.v9 This Declaration is acknowledged and consented to by: HOUSING AND REDEVELOPMENT AUTHORITY IN AND FOR THE CITY OF HOPKINS: By: ______________________________ Its: President By: ______________________________ Its: Executive Director STATE OF MINNESOTA ) ) ss. COUNTY OF HENNEPIN ) The foregoing instrument as acknowledged before me this _____ day of ____________, 202__, by ________________ and ________________________, the President and Executive Director of the Housing and Redevelopment Authority in and for the City of Hopkins, a public body corporate and politic under the laws of Minnesota, respectively, on behalf of the Housing and Redevelopment Authority. ____________________________________ Notary Public DRAFT 12.17.2021 F-A-1 HP145\47\767778.v9 EXHIBIT A TO DECLARATION OF RESTRICTIVE COVENANTS Legal Description A portion of the property legally described below that is to be platted as MILE 14 ON MINNEHAHA CREEK: PARCEL 1: Lot 74, Auditor's Subdivision No. 239, Hennepin County, Minnesota, except that part of said Lot 74 which is designated and delineated as Parcel 29, Hennepin County Right of Way Map No. 2, according to the plat thereof on file or of record in the office of the County Recorder in and for said County. (Torrens Property, Certificate of Title No. 1341193) PARCEL 2: That part of Lot 97, Auditor's Subdivision No. 239, Hennepin County, Minnesota, described as follows: Beginning at the point of intersection of the East line of Monck Avenue, (as shown on the recorded plat of said subdivision), with the most Northerly right of way line of The Minneapolis & St. Louis Railway Company; thence in a Northeasterly direction along said Northerly right of way line, a distance of 845 feet to a point; thence South parallel with and 845 feet from the East line of Monck Avenue, (as shown on the recorded plat of said subdivision), a distance of 14.48 feet to a point; thence in a Southwesterly direction parallel with and 13 feet from the most Northerly right of way line, a distance of 845 feet to a point on said East line of Monck Avenue, (as shown on the recorded plat of said subdivision); thence North along said East line of Monck Avenue, (as shown on the recorded plat of said subdivision), a distance of 14.48 feet to the point of beginning, except that part of said Lot 97 which is designated and delineated as Parcel 29A, Hennepin County Right of Way Map No. 2, according to the map thereof on file and of record in the office of the County Recorder in and for Hennepin County, Minnesota, all being located in the Southeast Quarter of the Northeast Quarter of Section 19, Township 117 North, Range 21 West of the 5th Principal Meridian. (Abstract Property) DRAFT 12.17.2021 F-B-1 HP145\47\767778.v9 EXHIBIT B TO DECLARATION OF RESTRICTIVE COVENANTS Certification of Tenant Eligibility (INCOME COMPUTATION AND CERTIFICATION) Project: [Address] Owner: Unit Type: ______ 1 BR _____ 2 BR _____ 3 BR ____4 BDRM 1. I/We, the undersigned, being first duly sworn, state that I/we have read and answered fully, frankly and personally each of the following questions for all persons (including minors) who are to occupy the unit in the above apartment development for which application is made, all of whom are listed below: Name of Members of the Household Relationship To Head of Household Age Place of Employment _____________ _____________ ___ _________________ _____________ _____________ ___ _________________ _____________ _____________ ___ _________________ _____________ _____________ ___ _________________ _____________ _____________ ___ _________________ Income Computation 2. The anticipated income of all the above persons during the 12-month period beginning this date, (a) including all wages and salaries, overtime pay, commissions, fees, tips and bonuses before payroll deductions; net income from the operation of a business or profession or from the rental of real or personal property (without deducting expenditures for business expansion or amortization of capital indebtedness); interest and dividends; the full amount of periodic payments received from social security, annuities, insurance policies, retirement funds, pensions, disability or death benefits and other similar types of periodic receipts; payments in lieu of earnings, such as unemployment and disability compensation, worker’s compensation and severance pay; the maximum amount of public assistance available to the above persons; periodic and determinable allowances, such as alimony and child support payments and regular contributions and gifts received from persons not residing in the dwelling; and all regular pay, special pay and allowances of a member of the Armed Forces (whether or not living in the dwelling) who is the head of the household or spouse; but (b) excluding casual, sporadic or irregular gifts; amounts which are specifically for or in reimbursement of medical expenses; lump sum additions to family assets, such as inheritances, insurance payments (including payments under health and accident insurance and workmen’s compensation), capital gains and settlement for personal or property losses; amounts of educational scholarships paid directly to the student or the educational institution, and amounts paid by the government to a veteran for use in meeting the costs of tuition, fees, books and equipment, but in either case only to the extent used for these types of purposes; special pay to a serviceman head of a DRAFT 12.17.2021 F-B-2 HP145\47\767778.v9 family who is away from home and exposed to hostile fire; relocation payments under Title II of the Uniform Relocation Assistance and Real Property Acquisition Policies Act of 1970; foster child care payments; the value of coupon allotments for the purchase of food pursuant to the Food Stamp Act of 1964 which is in excess of the amount actually charged for the allotments; and payments received pursuant to participation in ACTION volunteer programs, is as follows: $_____________. 3. If any of the persons described above (or whose income or contributions was included in item 2) has any savings, bonds, equity in real property or other form of capital investment, provide: (a) the total value of all such assets owned by all such persons: $____________; (b) the amount of income expected to be derived from such assets in the 12 month period commencing this date: $_______________; and (c) the amount of such income which is included in income listed in item 2: $__________. 4. (a) Will all of the persons listed in item 1 above be or have they been full-time students during five calendar months of this calendar year at an educational institution (other than a correspondence school) with regular faculty and students? Yes _________________ No ________________ (b) Is any such person (other than nonresident aliens) married and eligible to file a joint federal income tax return? Yes _________________ No ________________ THE UNDERSIGNED HEREBY CERTIFY THAT THE INFORMATION SET FORTH ABOVE IS TRUE AND CORRECT. THE UNDERSIGNED ACKNOWLEDGE THAT THE LEASE FOR THE UNIT TO BE OCCUPIED BY THE UNDERSIGNED WILL BE CANCELLED UPON 10 DAYS WRITTEN NOTICE IF ANY OF THE INFORMATION ABOVE IS NOT TRUE AND CORRECT. Head of Household Spouse DRAFT 12.17.2021 F-B-3 HP145\47\767778.v9 FOR COMPLETION BY OWNER (OR ITS MANAGER) ONLY 1. Calculation of Eligible Tenant Income: (a) Enter amount entered for entire household in 2 above: $__________ (b) If the amount entered in 3(a) above is greater than $5,000, enter the greater of (i) the amount entered in 3(b) less the amount entered in 3(c) or (ii) 10% of the amount entered in 3(a): $__________ (c) TOTAL ELIGIBLE INCOME (Line 1(a) plus Line 1(b)): $__________ 2. The amount entered in 1(c) is less than or equal to 60% of median income for the area in which the Project is located, as defined in the Declaration. 60% is necessary for status as a “Qualifying Tenant” under Section 3(a) of the Declaration. 3. Number of apartment unit assigned: ___________. 4. This apartment unit was ____ was not ____ last occupied for a period of at least 31 consecutive days by persons whose aggregate anticipated annual income as certified in the above manner upon their initial occupancy of the apartment unit was less than or equal to 60% of Median Income in the area. 5. Check as applicable: _______ Applicant qualifies as a Qualifying Tenant (tenants of at least __ units must meet), or ____ Applicant otherwise qualifies to rent a unit. THE UNDERSIGNED HEREBY CERTIFIES THAT HE/SHE HAS NO KNOWLEDGE OF ANY FACTS WHICH WOULD CAUSE HIM/HER TO BELIEVE THAT ANY OF THE INFORMATION PROVIDED BY THE TENANT MAY BE UNTRUE OR INCORRECT. ALATUS HOPKINS MD LLC, a Minnesota limited liability company By: ____________________________ ____________________________ Its: Chief Manager DRAFT 12.17.2021 F-C-1 HP145\47\767778.v9 EXHIBIT C TO DECLARATION OF RESTRICTIVE COVENANTS Certificate of Continuing Program Compliance Date: ___________________ The following information with respect to the Project located at 325 Blake Road, Hopkins, Minnesota (the “Project”), is being provided by Alatus Hopkins MD LLC, a Minnesota limited liability company, formed under the laws of Minnesota (the “Owner”) to the Housing and Redevelopment Authority in and for the City of Hopkins, a public body corporate and politic under the laws of Minnesota (“HRA”), pursuant to that certain Declaration of Restrictive Covenants, dated _________________, 202__ (the “Declaration”), with respect to the Project: (A) The total number of residential units which are available for occupancy is 120. The total number of these units occupied is _________________. (B) The following residential units (identified by unit number) are currently occupied by “Qualifying Tenants,” as the term is defined in the Declaration (for a total of ____units): 1 BR Units: 2 BR Units: 3 BR Units: (C) The following residential units which are included in (B) above, have been re-designated as units for Qualifying Tenants since _______________, 20___, the date on which the last “Certificate of Continuing Program Compliance” was filed with the HRA by the Owner: Unit Number Previous Designation of Unit (if any) Replacing Unit Number ___________ _________________ _________________ ___________ _________________ _________________ DRAFT 12.17.2021 F-C-2 HP145\47\767778.v9 (D) The following residential units are considered to be occupied by Qualifying Tenants based on the information set forth below: Unit Number Name of Tenant Number of Persons Residing in the Unit Number of Bedrooms Total Adjusted Gross Income Date of Initial Occupancy Rent 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 (E) The Owner has obtained a “Certification of Tenant Eligibility,” in the form provided as EXHIBIT B to the Declaration, from each Tenant named in (D) above, and each such Certificate is being maintained by the Owner in its records with respect to the Project. Attached hereto is the most recent “Certification of Tenant Eligibility” for each Tenant named in (D) above who signed such a Certification since ______________, 20___, the date on which the last “Certificate of Continuing Program Compliance” was filed with the HRA by the Owner. (F) In renting the residential units in the Project, the Owner has not given preference to any particular group or class of persons (except for persons who qualify as Qualifying Tenants); and DRAFT 12.17.2021 F-C-3 HP145\47\767778.v9 none of the units listed in (D) above have been rented for occupancy entirely by students, no one of which is entitled to file a joint return for federal income tax purposes. All of the residential units in the Project have been rented pursuant to a written lease, and the term of each lease is at least twelve (12) months. (G) The information provided in this “Certificate of Continuing Program Compliance” is accurate and complete, and no matters have come to the attention of the Owner which would indicate that any of the information provided herein, or in any “Certification of Tenant Eligibility” obtained from the Tenants named herein, is inaccurate or incomplete in any respect. (H) The Project is in continuing compliance with the Declaration. (I) The Owner certifies that as of the date hereof, 40% of the residential dwelling units in the Project are occupied or held open for occupancy by Qualifying Tenants, as defined and provided in the Declaration. (J) The rental levels for each Qualifying Tenant comply with the maximum permitted under the Declaration. DRAFT 12.17.2021 F-C-4 HP145\47\767778.v9 IN WITNESS WHEREOF, I have hereunto affixed my signature, on behalf of the Owner, on ____________________, 202__. ALATUS HOPKINS MD LLC, a Minnesota limited liability company By: ____________________________ ____________________________ Its: Chief Manager DRAFT 12.17.2021 G-1 HP145\47\767778.v9 EXHIBIT G FORM OF MINIMUM ASSESSMENT AGREEMENT THIS MINIMUM ASSESSMENT AGREEMENT, made on or as of the ____ day of ____________, 2021 (the “Minimum Assessment Agreement”), is between the Housing and Redevelopment Authority in and for the City of Hopkins, a public body corporate and politic under the laws of Minnesota (the “HRA”), and Alatus Hopkins MD LLC, a Minnesota limited liability company, formed under the laws of Minnesota, (the “Redeveloper”). WITNESSETH WHEREAS, the HRA and the Redeveloper have entered into that certain Contract for Private Development, dated _______________, 202__ (the “Contract”), regarding the acquisition of property, the construction of multiple buildings containing approximately 800 multi-family units, with 688 units of apartments, and 112 senior cooperative units with affordable levels within each building; construction of 33 for sale town homes, 8,000 sq. ft. of ground floor retail, 1,000 sq. ft. sky lounge and two (2) 4,500 sq. ft. standalone restaurant pads (the “Minimum Improvements”), affordable to households as set forth in the Contract, to be constructed on property legally described in Exhibit A (the “Redevelopment Property”); and WHEREAS, the HRA and the Redeveloper desire to establish a minimum market value for the Redevelopment Property and the Minimum Improvements to be constructed thereon, pursuant to Minnesota Statutes, Section 469.177, subdivision 8; and WHEREAS, the HRA and the County Assessor (the “Assessor”) have reviewed the preliminary plans and specifications for the Minimum Improvements and have inspected such improvements; NOW, THEREFORE, the parties to this Minimum Assessment Agreement, in consideration of the promises, covenants and agreements made by each to the other, do hereby agree as follows: 1. All capitalized terms used herein and not otherwise defined have the definition given such terms in the Contract. 2. The minimum market value which shall be assessed for ad valorem tax purposes for the Redevelopment Property, together with the Minimum Improvements constructed thereon, shall be $__________ or such lesser amount as established by the applicable assessing agency as of January 2, 20__, notwithstanding the progress of construction by such date, until January 2, 20__. 3. The minimum market value which shall be assessed for ad valorem tax purposes for the Redevelopment Property, together with the Minimum Improvements constructed thereon, shall be $___________ or such lesser amount as established by the applicable assessing agency as of January 2, 20__, notwithstanding the progress of construction by such date, and as of each January 2 thereafter until termination of this Minimum Assessment Agreement under Section 4 hereof. DRAFT 12.17.2021 G-2 HP145\47\767778.v9 4. The minimum market value herein established shall be of no further force and effect and this Minimum Assessment Agreement shall terminate on the earlier of (i) date the principal of and interest on the Tax Increment Revenue Note delivered to the Redeveloper by the HRA pursuant to the terms of Contract is paid in full; or (ii) the date the Tax Increment Financing District No. 1-6 established by the HRA and the City of Hopkins is decertified. The HRA shall execute a certificate or affidavit upon the occurrence of a termination event referred to in this Section 4 indicating that this Minimum Assessment Agreement has terminated and shall supply such certificate to the Redeveloper for recording. 5. This Minimum Assessment Agreement shall be promptly recorded by the HRA. The Redeveloper shall pay all costs of recording. 6. Neither the preambles nor provisions of this Minimum Assessment Agreement are intended to, nor shall they be construed as, modifying the terms of the Contract. 7. This Minimum Assessment Agreement shall inure to the benefit of and be binding upon the successors and assigns of the parties. 8. Each of the parties has authority to enter into this Minimum Assessment Agreement and to take all actions required of it, and has taken all actions necessary to authorize the execution and delivery of this Minimum Assessment Agreement. 9. In the event any provision of this Minimum Assessment Agreement shall be held invalid and unenforceable by any court of competent jurisdiction, such holding shall not invalidate or render unenforceable any other provision hereof. 10. The parties hereto agree that they will, from time to time, execute, acknowledge and deliver, or cause to be executed, acknowledged and delivered, such supplements, amendments and modifications hereto, and such further instruments as may reasonably be required for correcting any inadequate, or incorrect, or amended description of the Redevelopment Property or the Minimum Improvements or for carrying out the expressed intention of this Minimum Assessment Agreement. 11. This Minimum Assessment Agreement may not be amended nor any of its terms modified except by a writing authorized and executed by all parties hereto. 12. This Minimum Assessment Agreement may be simultaneously executed in several counterparts, each of which shall be an original and all of which shall constitute but one and the same instrument. 13. This Minimum Assessment Agreement shall be governed by and construed in accordance with the laws of the State of Minnesota. (The remainder of this page is intentionally left blank.) DRAFT 12.17.2021 G-3 HP145\47\767778.v9 IN WITNESS WHEREOF, the HRA and the Redeveloper have caused this Minimum Assessment Agreement to be executed in their respective corporate names by their duly authorized officers, all as of the date and year first written above. HOUSING AND REDEVELOPMENT AUTHORITY IN AND FOR THE CITY OF HOPKINS: By: ______________________________ Its: President By: ______________________________ Its: Executive Director STATE OF MINNESOTA ) ) ss. COUNTY OF HENNEPIN ) The foregoing instrument as acknowledged before me this _____ day of ____________, 202__, by ________________ and ________________________, the President and Executive Director of the Housing and Redevelopment Authority in and for the City of Hopkins, a public body corporate and politic under the laws of Minnesota, respectively, on behalf of the Housing and Redevelopment Authority. ____________________________________ Notary Public This document was drafted by: KENNEDY & GRAVEN, CHARTERED (SJR) 150 South 5th Street, Suite 700 Minneapolis, MN 55402 Telephone: (612) 337-9300 DRAFT 12.17.2021 G-4 HP145\47\767778.v9 REDEVELOPER: ALATUS HOPKINS MD LLC By: ____________________________ ____________________________ Its: Chief Manager STATE OF MINNESOTA ) ) ss. COUNTY OF __________ ) The foregoing instrument was acknowledged before me this ______ day of ____________, 202__, by __________________________, the Chief Manager of Alatus Hopkins MD LLC, a Minnesota limited company, on behalf of the company. __________________________________ Notary Public DRAFT 12.17.2021 G-5 HP145\47\767778.v9 CERTIFICATION BY COUNTY ASSESSOR The undersigned, having reviewed the plans and specifications for the improvements to be constructed and the market value assigned to the land upon which the improvements are to be constructed, hereby certifies as follows: the undersigned Assessor, being legally responsible for the assessment of the above-described property, hereby certifies that the market values assigned to the land and improvements are reasonable. ASSESSOR FOR HENNEPIN COUNTY By STATE OF MINNESOTA ) ) ss. COUNTY OF HENNEPIN ) The foregoing instrument was acknowledged before me this ___ day of ____________, 202___, by _________________, the County Assessor of Hennepin County, Minnesota. Notary Public DRAFT 12.17.2021 G-6 HP145\47\767778.v9 EXHIBIT A TO MINIMUM ASSESSMENT AGREEMENT LEGAL DESCRIPTION A portion of the property legally described below that is to be platted as MILE 14 ON MINNEHAHA CREEK: PARCEL 1: Lot 74, Auditor's Subdivision No. 239, Hennepin County, Minnesota, except that part of said Lot 74 which is designated and delineated as Parcel 29, Hennepin County Right of Way Map No. 2, according to the plat thereof on file or of record in the office of the County Recorder in and for said County. (Torrens Property, Certificate of Title No. 1341193) PARCEL 2: That part of Lot 97, Auditor's Subdivision No. 239, Hennepin County, Minnesota, described as follows: Beginning at the point of intersection of the East line of Monck Avenue, (as shown on the recorded plat of said subdivision), with the most Northerly right of way line of The Minneapolis & St. Louis Railway Company; thence in a Northeasterly direction along said Northerly right of way line, a distance of 845 feet to a point; thence South parallel with and 845 feet from the East line of Monck Avenue, (as shown on the recorded plat of said subdivision), a distance of 14.48 feet to a point; thence in a Southwesterly direction parallel with and 13 feet from the most Northerly right of way line, a distance of 845 feet to a point on said East line of Monck Avenue, (as shown on the recorded plat of said subdivision); thence North along said East line of Monck Avenue, (as shown on the recorded plat of said subdivision), a distance of 14.48 feet to the point of beginning, except that part of said Lot 97 which is designated and delineated as Parcel 29A, Hennepin County Right of Way Map No. 2, according to the map thereof on file and of record in the office of the County Recorder in and for Hennepin County, Minnesota, all being located in the Southeast Quarter of the Northeast Quarter of Section 19, Township 117 North, Range 21 West of the 5th Principal Meridian. (Abstract Property) DRAFT 12.17.2021 H-1 HP145\47\767778.v9 EXHIBIT H TO REDEVELOPMENT AGREEMENT FORM OF INVESTMENT LETTER To Housing and Redevelopment Authority in and for the City of Hopkins (“HRA”) Attention: Executive Director Dated: __________________, 202___ Re: $__________ Tax Increment Revenue Note (Alatus Hopkins MD LLC TIF Project No. 1-6: 325 Blake The undersigned, as Purchaser of $_________ in principal amount of the above- captioned Tax Increment Revenue Note (the “Note”), approved by the Board of Commissioners of the Housing and Redevelopment Authority in and for the City of Hopkins on ___________, 202__, hereby represents to you and to Kennedy & Graven, Chartered, Minneapolis, Minnesota, as legal counsel to the HRA, as follows: 1. We understand and acknowledge that the Note is delivered to the Purchaser on this date pursuant to the Contract for Private Redevelopment by and between the HRA and the Purchaser dated __________________, 202___ (the “Agreement”). 2. The Note is payable as to principal and interest solely from Available Tax Increment pledged to the Note, as defined therein. 3. We have sufficient knowledge and experience in financial and business matters, including purchase and ownership of municipal obligations, to be able to evaluate the risks and merits of the investment represented by the purchase of the above-stated principal amount of the Note. 4. We acknowledge that no offering statement, prospectus, offering circular or other comprehensive offering document or disclosure containing material information with respect to the HRA and the Note has been issued or prepared by the HRA, and that, in due diligence, we have made our own inquiry and analysis with respect to the HRA, the Note and the security therefor, and other material factors affecting the security and payment of the Note. 5. We acknowledge that we have either been supplied with or have access to information, including financial statements and other financial information, to which a reasonable investor would attach significance in making investment decisions, and we have had the opportunity to ask questions and receive answers from knowledgeable individuals concerning the HRA, the Note and the security therefor, and that as reasonable investors we have been able to make our decision to purchase the above-stated principal amount of the Note. 6. We have been informed that the Note (i) is not being registered or otherwise qualified for sale under the “Blue Sky” laws and regulations of any state, or under federal DRAFT 12.17.2021 H-2 HP145\47\767778.v9 securities laws or regulations, (ii) will not be listed on any stock or other securities exchange, and (iii) will carry no rating from any rating service. 7. We acknowledge that the HRA and Kennedy & Graven, Chartered, as legal counsel to the HRA, have not made any representations or warranties as to the status of interest on the Note for the purpose of federal or state income taxation. 8. We represent to you that we are purchasing the Note for our own account and not for resale or other distribution thereof, except to the extent otherwise provided in the Note or as otherwise approved in writing by the HRA. 9. All capitalized terms used herein have the meaning provided in the Agreement unless the context clearly requires otherwise. 10. The Purchaser’s federal tax identification number is ____________ 11. We acknowledge receipt of the Note on the date hereof. IN WITNESS WHEREOF, the undersigned has executed this Investment Letter as of the date and year first written above. REDEVELOPER: ALATUS HOPKINS MD LLC, a Minnesota limited company By: ____________________________ ____________________________ Its: Chief Manager DRAFT 12.17.2021 I-1 HP145\47\767778.v9 EXHIBIT I TOTAL DEVELOPMENT COSTS [Insert estimated Total Development Costs]