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Agenda-HRA• JULY S M T W T F S 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 31 I. CALL TO ORDER HOPKINS HRA SPECIAL MEETING July 19, 2011 7:20 p.m. II. CONSENT AGENDA ITEM 2011-10 Amendment to the Note and Mortgage - Marketplace Holdings, Inc. ITEM 2011-11 Amended Option Agreement - Marketplace Townhomes Holdings, Inc. Board Action: III. NEW BUSINESS ITEM 2011-09 Board Action: IV. ADJOURNMENT Board Action: Authorize Issuance of Tax Increment Financing Notes for the Marketplace & Main Project Recommendation: adopt HRA Resolution 478 AUGUST S M T W T F S MAXWELL 1 2 3 4 5 6 BRAUSEN 7 8 9 10 11 12 13 HALVERSON 14 15 16 17 18 19 20 ROWAN 21 22 23 24 25 26 27 YOUAKIM 28 29 30 31 GENELLIE ELVERUM HOPKINS HRA SPECIAL MEETING July 19, 2011 7:20 p.m. II. CONSENT AGENDA ITEM 2011-10 Amendment to the Note and Mortgage - Marketplace Holdings, Inc. ITEM 2011-11 Amended Option Agreement - Marketplace Townhomes Holdings, Inc. Board Action: III. NEW BUSINESS ITEM 2011-09 Board Action: IV. ADJOURNMENT Board Action: Authorize Issuance of Tax Increment Financing Notes for the Marketplace & Main Project Recommendation: adopt HRA Resolution 478 G\ -TY OF I* • July 14, 2011 N O P K I N S HRA Report 2011-10 AMENDMENT TO MORTGAGE AGREEMENT — MARKETPLACE & MAIN Proposed Action Staff recommends adoption of the following motion: Move to approve the Amendment Agreement between the Hopkins HRA and Marketplace Holdings, Inc. Overview The HRA and Marketplace Holdings, Inc. have entered into a contract for private redevelopment for the redevelopment of the former Hopkins Honda body shop site. The agreement detailed the financial assistance that would be provided to the project (including a $900,000 loan) and certain timelines that were to be met in order to receive the assistance for the proposed project, Marketplace & Main. Through previous actions by the HRA, five amendments to the contract for private redevelopment have been approved. The fourth amendment to the contract moved the date by which repayment of the $900,000 loan is due to HRA if the project has not been started to August 31, 2011. It will be forgiven if Phase 1 of the project is completed. The amendment to the mortgage agreement is necessary to be consistent with this date and was drafted by Jerry Steiner, attorney for the HRA. Primary Issues to Consider The proposed amendment reflects the terms that were agreed to in the amended contract for private redevelopment, previously approved by the HRA. Supporting Documents E Kefstd'n Elybrum /1' Director of Planning & Development Financial Impact: $ 0 Budgeted: Y/N Source: Related Documents (CIP, ERP, etc.): Notes: • This is a mortgage amendment, as defined in Minnesota Statutes, Section 287.01, subdivision 2, and as such it does not secure a new or an increased amount of debt. AMENDMENT AGREEMENT This Agreement is made as of the day of , 2011, by and among Marketplace Holdings, Inc., a Minnesota corporation ("Borrower") and the Housing and Redevelopment Authority in and for the City of Hopkins, a public body corporate and politic ("Lender"). RECITALS: A. Borrower executed and delivered to Lender a Promissory Note in the original principal amount of $900,000.00 dated April 9, 2007, (the "Note"), which Note is secured by a Mortgage, Security Agreement and Fixture Financing Statement dated April 9, 2007, executed by Borrower and recorded in the office of the Hennepin County Recorder on , 2007, as Document No. and in the office of the Hennepin County Registrar of Titles on 2007, as Document No. (the "Mortgage"). The Note, the Mortgage and all other documents executed in connection with the loan evidenced thereby, including this Amendment are herein referred to as the "Loan Documents." B. The Mortgage is recorded as a lien against the real property legally -described in Exhibit A attached hereto (the "Property"). C. Mortgage registration tax in the amount of $ was paid to the Hennepin County Treasurer at the time the Mortgage was filed. No additional advances are being made under the Mortgage in connection with this Amendment except as originally required under the Mortgage. D. Borrower has requested that Lender extend the Maturity Date, as defined in the Loan Documents, and otherwise modify the terms and conditions of the Loan Documents as stated in this Amendment. • E. Lender is willing to extend the Maturity Date and amend the Loan Documents upon and subject to all of the terms and conditions stated in this Amendment. HopCivil/MortgageAmendment-Marketplaceclean 1 NOW, THEREFORE, to induce Lender to amend the Loan Documents, as requested by Borrower and in consideration of the mutual covenants contained herein, the parties hereby agree as follows: 1. Maturitv Date. The "Maturity Date" defined and stated in the Note and the date on which the balance of the Note is due and payable, as stated in the Mortgage, is changed from August 31, 2008, to August 31, 2011. 2. Subordination of Mortgage. The Mortgage is presently subordinated to a $700,000.00 first mortgage granted by Borrower to Commerce Bank, a Minnesota banking corporation, filed for record , 2007 as Document No. (the "Commerce Bank First Mortgage"). The Mortgage shall continue to be subordinate to the Commerce Bank First Mortgage. Borrower intends to obtain construction and permanent mortgage financing in an amount not to exceed $ to finance construction and development of "Phase I", as defined in the Redevelopment Contract, (the "Construction Mortgage"). The proceeds of the Construction Mortgage shall be used to pay off the Commerce Bank First Mortgage and to pay the cost of completing the Phase I improvements. Lender agrees that it shall subordinate the Mortgage to the Construction Mortgage, provided the Commerce Bank First Mortgage is simultaneously paid and satisfied. Lender, Borrower and the Construction Mortgage lender shall enter into an Intercreditor Agreement at the time of such subordination stating the terns and conditions for subordination of the Mortgage to the Construction Mortgage. At the time of execution of this Amendment, Lender shall be entitled to obtain a so-called t. "date down endorsement" to the existing mortgagee's title insurance policy insuring the lien of the Mortgage, which endorsement shall insure that the Mortgage is subordinate only to the Commerce Bank First Mortgage or the Construction Mortgage, as applicable. Borrower shall pay all fees and expenses associated with obtaining the date down endorsement. In the event Borrower commences construction of the Phase IIA improvements (as defined in the Redevelopment Contract) before completion of the Phase I improvements and release of the Mortgage in accordance with the terns and conditions of the Loan Documents, Lender agrees that it shall subordinate the lien of the Mortgage to the construction loan for the construction of the Phase IIA improvements, but in an amount not to exceed a construction mortgage lien of $255,840.00. As a condition of Lender's agreement to so subordinate the lien of the Mortgage, the Commerce Bank First Mortgage shall be satisfied at the time of subordination of the Mortgage and Lender shall not be required to subordinate the Mortgage to any other mortgage. 3. Contract for Private Redevelopment. All references in the Loan Documents to the Contract for Private Redevelopment between Borrower and Lender dated February 20, 2007, are modified to instead refer to the First Amended and Restated Contract for Private Redevelopment by and between Borrower and Lender dated , 2009. All references in the Loan Documents to the "Redevelopment Contract" shall mean and refer to said First Amended and Restated Contract for Private Redevelopment, and all Amendments thereto. 9 HopCivil/Mortgage?anendtnent-Nlark etpl acccIcan 2 • 4. References. Release of Parcel IIB. Whenever any reference is made in any of the Loan Documents to the "Note", each such reference shall be deemed to refer to the Note, as amended hereby. Whenever any reference is made in any of the Loan Documents to the "Mortgage", each such reference shall be deemed to refer to the Mortgage, as amended hereby. Parcel IIB has been released from the lien of the Mortgage. Exhibit A hereto replaces Exhibit A to the original Mortgage. When used in the Loan Documents and this Amendment, the phrases "Phase I" and "Phase IIA" shall have the meanings stated in the Redevelopment Contract; the phrase "Parcel IIA" shall have the meaning stated in the Redevelopment Contract, and such phrases shall also mean and refer to the descriptions of those parcels in Exhibit A attached hereto. 5. Continuing Effect. This Amendment is incorporated in and made a part of the Loan Documents. All terms, stipulations, provisions, conditions and covenants of the Loan Documents are reaffirmed shall remain in full force and effect except as expressly modified herein, and nothing herein contained shall be construed to impair the security or lien of Lender, or to affect or impair any rights or powers which Lender may have under any of the Loan Documents, except as expressly amended hereby. The Loan Documents state the entire agreement between Borrower and Lender with respect to the loan evidenced by the Loan Documents. Lender has no further obligations or commitments to the undersigned with respect to such loan except as expressly set forth in the Loan Documents, as amended by this Amendment. 6. Costs and Expenses. Borrower agrees to pay all out-of-pocket costs and expenses incurred by Lender in connection with the preparation, execution, delivery, review and recordation of this Amendment, including without limitations, attorneys' fees, recording fees and title insurance premiums. 7. Binding Effect. This Amendment shall be binding upon and inure to the benefit of the parties hereto and their respective heirs, administrators, successors and assigns. 8. Governing Law. The Note and this Amendment shall be governed by and construed in accordance with the laws of the State of Minnesota. 9. Counterparts. This document may be executed in any number of counterparts and each counterpart when executed and included with the others will be considered as one document. HopCivil/MortgageAmendment-Marketplaceclean IN WITNESS WHEREOF, the parties hereto have set their hands as of the day and year first above written. (a MARKETPLACE HOLDINGS, INC. B STATE OF MINNESOTA ) ss. COUNTY OF HENNEPIN ) William H. Beard, President The foregoing was acknowledged before me this day of 2011, by William H. Beard, the President of Marketplace Holdings, Inc., a corporation under the laws of Minnesota, on behalf of the corporation. Notary Public HOUSING AND REDEVELOPMENT AUTHORITY IN AND FOR THE CITY is OF HOPKINS By B STATE OF MINNESOTA ) ss. COUNTY OF HENNEPIN ) Its Chairman Its Secretary The foregoing was acknowledged before me this day of , 2011, by the and the of the Housing and Redevelopment Authority in and for the City of Hopkins, a public body corporate and politic, on behalf of the Authority. Notary Public HopCivil/MortgageAmendment-M ai ketplacec lean 4 • This instrument was drafted by: Steiner & Curtiss, P.A. 400 Wells Fargo Bank Building 1011 First Street South Hopkins, MN 55343 HopCivil/MortgageAmendment-Marketplaceclean 5 EXHIBIT A 0 LEGAL DESCRIPTION OF THE LAND Lots 1, Block 1, and Lot 1, Block 2, Marketplace and Main, according to the recorded plat thereof, Hennepin County, Minnesota. DESCRIPTION OF PARCELS PARCH TTA Lot 1, Block 2, Marketplace and Main, according to the recorded plat threof. LJ • HopCivil/MortgageAmendment-Marketplace A-1 GITY OF im July 14, 2011 �` O P K I N S HRA Report 2011-11 • AMENDMENT TO OPTION AGREEMENT — MARKETPLACE & MAIN Proposed Action Staff recommends adoption of the following motion: Move to approve the Amendment To Option Agreement between the Hopkins HRA and Marketplace Holdings Inc. Overview The HRA and Marketplace Holdings, Inc. have entered into a contract for private redevelopment and related agreements for the former Hopkins Honda body shop site. The contracts detail the financial assistance that would be provided to the project and certain timelines that are to be met in order to receive the assistance for the proposed project, Marketplace & Main. The contracts also allowed for the HRA to purchase Phase II property in the event this phase was not completed by the developer. Through previous actions by the HRA, amendments to the contract for private redevelopment were approved. One of the approved contract amendments broke the second phase of the project into Phase IIA and Phase IIB. Each of those phases were given a timeline to complete. Phase IIB is currently being built on by the Hopkins Health & Wellness Center as an expansion of their current facility. The land making up the Phase IIA site is currently planned for a townhome project. This amendment states that If the Redeveloper commences construction of Phase I but does not start on Phase IIA by May 31, 2013, the Authority has the right to acquire the land on which Phase IIA was to be constructed for purchase price of $256,840. Primary Issues to Consider The option agreement does not obligate the HRA to purchase the property but gives the HRA the ability to do so at an agreed upon price. Supporting Documents K6187011141 MOMM Me= Ke rsTe w -t-- Ive ru 1� Director of PI nning & Development Financial Impact: $ 0 Budgeted: Y/N Source: Related Documents (CIP, ERP, etc.): Notes: 9 • AMENDMENT TO OPTION AGREEMENT THIS AMENDMENT TO OPTION AGREEMENT is made as of the day of , 2011, by and between the Housing and Redevelopment Authority in and for the City of Hopkins, a public body corporate and politic under the laws of Minnesota ("Optionee") and Marketplace Holdings, Inc., a Minnesota corporation ("Optionor"). RECITALS: A. Optionee and Optionor entered into an Option Agreement dated April 9, 2007, (the "Option Agreement") by which Optionor granted Optionee an irrevocable right and option to purchase certain real property located in Hennepin County, Minnesota, legally described in Exhibit A attached hereto (the "Property"). The Option Agreement was recorded 2007, as Hennepin County Recorder Document No. and , 2007, as Hennepin County Registrar of Titles Document No. B. The terns of the Option Agreement ended on May 31, 2010. Optionee and Optionor have agreed to reinstate the Option Agreement and the Option granted thereby and to extend the termination date of the Option Tenn to May 31, 2014. By executing this Amendment, Optionee and Optionor agree the Option is reinstated and the Option Tenn extended as provided in this Amendment. C. Optionee and Optionor have agreed to modify the Option Agreement as stated below, and are entering into this Amendment for that purpose. NOW, THEREFORE, in consideration of the foregoing Recitals, which are incorporated in and made a part of this Amendment, and of One Dollar and other good and valuable consideration, Optionee and Optionor agree the Option Agreement is modified as follows: - 1. Amendment of Contract for Private Redevelopment. The "Redevelopment Contract" identified and defined in Recital paragraph B of the Option Agreement has been amended and restated by that certain First Amended and Restated Contract for Private Redevelopment by and between Optionee and Optionor dated 12009. From and after the date of this Amendment, all references in the Option Agreement to the HopCivil/OptionAgreementAmendment-M arketplaceclean "Redevelopment Contract" shall mean and refer to said First Amended and Restated Contract for Private Redevelopment between Optionee and Optionor dated 52009. The reference in Recital B of the Option Agreement to Section 3.8 of the Contract for Private Redevelopment is hereby changed to instead refer to Section 3.9 of the Redevelopment Contract. 2. Modification of Property Description. The following parcel of real property shall no longer be included as part of the property subject to the Option Agreement, namely: Lot 2, Block 1, Marketplace and Main, according to the recorded plat thereof, Hennepin County, Minnesota. When used in this Amendment and in the Option Agreement, the "Property" shall hereafter mean and refer to the real property legally described in Exhibit A attached hereto. When used in the Option Agreement, as amended by this Amendment, the phrase "Parcel IIA" shall mean and refer to Parcel IIA, as legally described in Exhibit A attached hereto. 3. Modification of Paragraph. Paragraph 3 of the Option Agreement is modified to read as follows: 3. Purchase Price. If Optionee exercises the Option, the Purchase Price for the Property shall be $255,840.00 ("Purchase Price"). The Purchase Price shall be payable as provided in the Purchase Agreement attached hereto as Exhibit A ("Purchase Agreement"). 4. Modification of Paragraph. Paragraph 4 of the Option Agreement is modified to read as follows: 4. Exercise of Option. The Option shall be exercisable only during the Option Term stated in paragraph 6 of this Agreement, and shall not be exercisable until June 1, 2013. If Optionor has commenced construction of Phase IIA, as defined in the Redevelopment Contract ("Phase IIA"), on or before May 31, 2013, the Option to purchase the Property shall be null and void and of no further effect. If Optionee has not commenced construction of Phase IIA by May 31, 2013, this Agreement and the Option shall remain in full force and effect, and Optionee shall be entitled to exercise the Option to purchase the Property during the Option Term stated in Paragraph 6. If Optionee elects to exercise the Option, the Option shall be exercised by the delivery to Optionor, on or before the Termination Date, of the Purchase Agreement, in triplicate, attached hereto as Exhibit A ("Purchase Agreement"), duly executed by Optionee. The Purchase Agreement shall be deemed properly delivered for all purposes if delivered in accordance with the provisions of Paragraph 10 of this Agreement. Upon receipt of the executed Purchase Agreement, Optionor shall cause the Purchase Agreement to be duly executed on its behalf, and return two originals to Optionee within two (2) business days. • Optionor acknowledges that it has agreed to be bound by the terms and conditions set forth in the Purchase Agreement in the event Optionee exercises the Option. In the event Optionee exercises the Option but Optionor fails to execute and deliver the Purchase Agreement in the manner and within the time period required HopCivil/OptionAgreementArnendment-Marketplaceclean 2 by this paragraph, Optionor, by its execution of this Agreement shall be conclusively deemed to have accepted and executed the Purchase Agreement, and shall be bound by and shall perform all of the tens and conditions thereof. If Optionee fails to deliver the Purchase Agreement to Optionor on or before the Termination Date in the manner and within the time period specified in this paragraph, this Agreement shall become null and void, the Option shall tenninate in all respects, Optionor shall have no obligation to sell the Property to Optionee, and Optionee shall execute and deliver to Optionor, within ten (10) days after request therefore by Optionor, an instrument, in recordable form, evidencing such termination. The Option may be exercised only during the Option Ten stated in Paragraph 6 of this Agreement. 5. Modification of Paragraph d of Option Agreement. Paragraph 6 of the Option Agreement is modified to read as follows: 6. Option Tern. The tern of the Option ("Option Tenn") shall commence on June 1, 2013, and shall tenninate in all respects at midnight on May 31, 2014 (the "Termination Date"). The Option to purchase the Property may be exercised only during the Option Tenn stated in this paragraph. 6. Subordination. As a condition of entering into this Amendment, Optionee shall be entitled to have an option holder's title insurance policy issued to Optionee insuring that this Option is not subordinate to the lien of any mortgage encumbering the Property in excess of $255,840.00. Optionee shall also be entitled to require that all mortgagees holding mortgage liens against the Property enter into Subordination Agreement(s) effectuating the conditions stated in the preceeding sentence. Optionor shall pay all fees and expenses associated with the issuance of the option holder's title insurance policy to Optionee. 7. Continuing Effect. This Amendment is incorporated in and made a part of the Option Agreement. All tens, stipulations, provisions, conditions and covenants contained in the Option Agreement shall remain in full force and effect as modified by this Amendment. All words and phrases that are defined in the Option Agreement shall, when used in this Amendment, have the same meanings stated in the Option Agreement unless the context clearly requires a different meaning. IN WITNESS WHEREOF, Optionee and Optionor have executed this Amendment effective as of the date and year first above written. OPTIONEE: HOUSING AND REDEVELOPMENT AUTHORITY IN AND FOR THE CITY OF HOPKINS By Its Chairman By Its Secretary HopCiviUOptionAgreementAmendin ent-NI arketplacccIean 3 • STATE OF MINNESOTA ) •) ss. COUNTY OF HENNEPIN ) The foregoing was acknowledged before me this day of , 2011, by , the and the of the Housing and Redevelopment Authority in and for the City of Hopkins, a public body corporate and politic, on behalf of the Authority. STATE OF MINNESOTA ) • ) ss. COUNTY OF HENNEPIN ) • Notary Public OPTIONOR: MARKETPLACE HOLDINGS, INC. an William H. Beard, President The foregoing was acknowledged before me this day of , 2011, by William H. Beard, the President of Marketplace Holdings, Inc., a corporation under the laws of Minnesota, on behalf of the corporation. This instrument was drafted by: Steiner & Curtiss, P.A. 400 Wells Fargo Bank Building 1011 First Street South Hopkins, MN 55343 HopCivil/OptionAgreementAmendment-Marketplaceclean 4 Notary Public EXHIBIT A • LEGAL DESCRIPTION OF THE PROPERTY Lot 1, Block 2, Marketplace and Main, according to the recorded plat thereof, Hennepin County, Minnesota. DESCRIPTION OF PARCELS PARCEL IIA Lot 1, Block 2, Marketplace and Main, according to the recorded plat thereof. 0 HopCivil/OptionAgreement.Amendment-N4 ark etplace A- I O\TY OF czl� July 14, 2011 HRA Report 2011-09 0 HOPKINS LIMITED REVENUE TAX INCREMENT NOTES — MARKETPLACE & MAIN Proposed Action Staff recommends adoption of the following motion: Move to approve resolution 478 authorizing the issuance of Limited Revenue Tax Increment Notes for the Marketplace & Main project. Overview The HRA and Marketplace Holdings, Inc. have entered into a contract for private redevelopment for the redevelopment of the former Hopkins Honda body shop site. The proposed project, Marketplace & Main, consists of 53 units of upscale apartments and approximately 5,500 square feet of retail space. The agreement detailed the financial assistance that would be provided to the project including the pledge of tax increment financing (TIF) for both Phase I and Phase II. The Beard Group, through Marketplace Holdings, Inc., is now prepared to close on their primary financing for the project and begin construction. The TIF notes have been pledged as part of the financing package. • The redevelopment agreement between the HRA and Marketplace Holdings, Inc. specifically allows for the issuance of notes and the transaction has been reviewed by the HRA's attorney. The proposed amount of the notes is $1,360,000. The notes will be repaid from tax increment generated from both Phase I and Phase II of the redevelopment project. There is no obligation for the HRA or the City to makeup for a shortfall in tax increment used to pay the bonds. Supportinq IDformation • on 47 Kers en Elve.�p6rn Director of fanning & Development Financial Impact: $ 0 Budgeted: Y/N Source: Related Documents (CIP, ERP, etc.): Notes: 0 HOUSING AND REDEVELOPMENT AUTHORITY IN AND FOR THE CITY OF HOPKINS, MINNESOTA RESOLUTION NO. 478 RESOLUTION AUTHORIZING THE ISSUANCE OF LIMITED REVENUE TAX INCREMENT NOTES FOR THE MARKETPLACE AND MAIN PROJECT. BE IT RESOLVED BY THE BOARD OF COMMISSIONERS OF THE HOUSING AND REDEVELOPMENT AUTHORITY IN AND FOR THE CITY OF HOPKINS (the "Authority") AS FOLLOWS: Section 1. Background. The Authority and the City of Hopkins, Minnesota (the "City") have heretofore approved the establishment of Tax Increment Financing District No. 1-4 (the "District") within the Authority's Redevelopment Project No. 1 (the "Project"), and has adopted a tax increment financing plan for the purpose of financing certain public costs of the Project. Pursuant to Minnesota Statutes, Section 469.178, subd. 4, the Authority is authorized to issue and sell its tax increment revenue notes for the purpose of financing the public redevelopment costs of the Project. The Authority has entered into a First Amended and Restated Contract for Private Redevelopment with Marketplace Holdings, Inc. (the "Redeveloper"), which contract has been amended by three amendments thereto (as amended, the "Contract"). Pursuant to the Contract the Redeveloper has agreed to construct a 53 unit rental housing development with commercial space. The Contract also provides that the Authority would issue two tax increment revenue notes in the principal amounts of $1,000,000 and $360,000, respectively, to reimburse the Redeveloper for its payment of certain public redevelopment costs of the Redeveloper's development. 1.02. Issuance of the Notes. The appropriate officers of the Authority are hereby authorized to issue and deliver the Notes described therein at the tunes provided by the Contract. Section 2. Foran of Notes. The Notes shall be substantially in the forms contained in the Contract, with the blanks to be properly filled in and the payment schedule attached thereto updated as of the date of issuance of the Notes. Section 3. Terms, Execution and Delivery. 3.01. Dates, Interest Payment Dates. The Notes shall be dated as of their dates of issuance. The principal amounts of and interest on the Notes shall be payable to the owner of record thereof as of the close of business on the fifteenth day of the month preceding the interest payment date, whether or not such day is a business day. • 0 • 3.02. Registration. The Authority appoints its Executive Director as Note Registrar. The effect of registration and the rights and duties of the Registrar with respect thereto shall be as follows: (a) Re •suer. The Registrar shall keep at his/her principal office Note registers in which the Registrar shall provide for the registration of ownership of the Notes and the registration of transfers or exchanges of the Notes. (b) Transfer of Note. Upon surrender for transfer of a Note duly endorsed by the registered owner thereof or accompanied by a written instrument of transfer, in form 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, a new Note of a like aggregate principal amount and maturity, as requested by the transferor. The Registrar may close the books for registration of any transfer after the fifteenth day of the month preceding each interest payment date and until such interest payment date. The Notes shall not be transferred to any person unless the Authority approves such transfer and has been provided with an opinion of counsel or other evidence, acceptable to the Authority, that such transfer is exempt from registration and prospectus delivery requirements of federal and applicable state securities laws. (c) Cancellation. A Note surrendered upon any transfer shall be promptly canceled by the • Registrar and thereafter disposed of as directed by the Authority. • (d) Improper or Unauthorized Transfer. When a Note is presented to the Registrar for transfer, the Registrar may refuse to transfer the same until it is satisfied that the endorsement on such Note or separate instrument of transfer is valid and genuine and the requested 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) Persons Deemed Owners. The Authority and the Registrar may treat the person in whose name a Note is at any time registered in the Note register as the absolute owner of the Note, whether the Note shall be overdue or not, for the purpose of receiving payment of, or on account of, the principal of or interest on such Note 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 Authority upon such Note to the extent of the sum or sums so paid. (f) Taxes, Fees and Charges. For every transfer or exchange of a 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 such transfer or exchange and reasonable legal fees and other costs incurred in connection therewith. P) (g) Mutilated, Lost Stolen or Destroyed Note. In case a Note shall become mutilated or be lost, stolen, or destroyed, the Registrar shall deliver a new Note of like amount, maturity dates and tenor in exchange and substitution for and upon cancellation of such mutilated Note or in lieu of and in substitution for such Note lost, stolen, or destroyed, upon the payment of the reasonable expenses and charges of the Registrar in connection therewith; and, in the case of a Note lost, stolen, or destroyed, upon filing with the Registrar of evidence satisfactory to it that such Note was lost, stolen or destroyed, and of the ownership thereof, and upon furnishing to the Registrar of an appropriate indemnity in form, substance, and amount satisfactory to it, in which both the Authority and the Registrar shall be named as obligees. Any Note so surrendered to the Registrar shall be canceled by it and evidence of such cancellation shall be given to the Authority. If the mutilated, lost, stolen, or destroyed Note has already matured or been called for redemption in accordance with its terns, it shall not be necessary to issue a new Note prior to payment. 3.03. Preparation and Delivery. The Notes shall be prepared under the direction of the Authority's Executive Director and shall be executed on behalf of the Authority by the manual signatures of its Chairman and Executive Director. In case any officer whose signature, or a facsimile of whose signature, shall appear on the Notes shall cease to be such officer before the delivery of the Notes, such signature or facsimile shall nevertheless be valid and sufficient for all purposes, the same as if such officer had remained in office until delivery. When the Notes have been so executed, they shall be delivered by the Authority's Executive Director to the Redeveloper at the time set forth in the Contract. Section 4. Security Provisions. • 4.01 Pledge. The Authority hereby pledges to the payment of the principal of and interest on the Notes the Available Tax Increment and the Phase II Available Tax Increment, as provided in the Contract. Section 5. Certification of ProceediM. 5.01. Certification of Proceedings. The officers of the Authority are hereby authorized and directed to prepare and furnish to the Redeveloper certified copies of all proceedings and records of the Authority, and such other affidavits, certificates, and infonnation as may be required to show the facts relating to the legality and marketability of the 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 Authority as to the facts recited therein. U 0 Adopted this 19th day of July, 2011. Attest: Secretary • • Eugene Maxwell, Chairman