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7.1 SR 10-05-2020Request for Action To Item Number Mayor and City Council 7.1 Agenda Section Meeting Date Prepared by Public Hearing October 5, 2020 Amanda Othoudt, ED Director Item Description Reviewed by Establish Tax Increment Financing District #26 Cal Portner, City Administrator and TIF Development Agreement Reviewed by Action Requested 1. Open Public Hearing to consider the TIF Plan and invite public comment. 2. Close the Public Hearing. 3. Adopt, by motion, a resolution approving a modification to the development program for Development District No. 1, establishing an economic development tax increment financing district, approving a tax increment financing plan and authorizing the execution of a tax increment development agreement. Background/Discussion Shoot Steel, Inc., has applied for Tax Increment Financing as a form of gap financing for this project. They manufacture AR500 and AR550 steel targets, target stands, and other valuable range equipment. They propose to relocate 7 FT and 1 PT employees and hire 6-7FT employees over the next two years. The positions will pay a minimum of $18 per hour depending on skill level. The applicant is proposing a pay-as-you-go method for eligible costs as reimbursement from the city to construct their new facility. This project is estimated to generate $268,083 in gross tax increment over 9 years, the maximum term for an Economic Development District. The net amount available for this project is $241,274 or 90%, with the city retaining 10% for administrative expenses over the term of the district. The present value of the increment generated considering a 4% interest rate is $192,196. The authorized tax increment eligible costs include out-of-pocket administrative expenses up to $26,809; land acquisition and other public improvement costs up to $241,274. At their September 16, 2020, meeting, the Joint Finance Committee recommended approval of a 9-year TIF district for $190,000, plus 4% interest. On September 21, 2020, the EDA held a public hearing and approved a purchase agreement with Shoot Steel, Inc. for the property located at 17565 Tyler Street, NW. Following the public hearing, the EDA recommended the Council approve a TIF Plan to assist Shoot Steel for $190,000 plus interest at 4%. The Elk River Vision A welcoming community with revolutionary and spirited resourcefulness, exceptional,` 01 e service, and community engagement that encourages and inspires pi ospei l_ y INAWRE1 The city has performed all actions required by law to be performed prior to the adoption and approval of the Development Program Modification and the TIF Plan, including, but not limited to, delivery of the Development Program Modification and the TIF Plan to the Board of Sherburne County and the Board of Independent School District No. 728 and the holding of a public hearing published in the city's official newspaper at least 10 but not more than 30 days prior to the public hearing. Sherburne County provided comments regarding the establishment of Tax Increment Financing District No. 26 in their letter dated September 22, 2020. A public hearing must be held to approve the TIF Plan and to make the requisite findings in the resolution required by Minnesota Statutes, Sections 469.124 to 469.133 and Sections 469.174 to 469.1794, all inclusive, as amended, reflected in the program and TIF plan. Financial Impact N/A Attachments ■ Joint Finance Committee Packet (September 16, 2020) ■ EDA Packet (September 21, 2020) ■ Notice of Public Hearing ■ Memo from Sherburne County (September 22, 2020) ■ Final Draft TIF Plan for TIF District No. 26 ■ Development Agreement ■ Resolution Special Meeting Notice Elk River joint Finance Committee Meeting September 16, 2020 3:00PM Elk River City Hall 13065 Orono Parkway Elk River, Minnesota The purpose of the meeting is as follows: Shoot Steel, Inc. Tax Increment Financing Application Dan Tveite Date I HEREBY CERTIFY, that this notice has been posted and that I have served this notice upon the members of the Joint Finance Committee by mail at least one day prior to the above -called special meeting. In accordance with State Statute, this notice will be posted at least three days prior to the meeting date. ` f TUM _ lLrd, City u Date P®1EIfO if NA�UR� City of Elk — River CALL MEETING TO ORDER 2. CONSIDER AGENDA Meeting of the Joint Finance Committee AGENDA Wednesday, September 16, 2020 3:00 p.m. Elk River City Hall Upper Town Conference Room Meeting Protocol ■ No sidebar discussions ■ No interruptions ■ State vour concern ■ Ensure you understand ■ Don't take things personally ■ Adhere to time limits ■ Come prepared ■ Ensure all are heard 3. CONSENT AGENDA Considered to be routine and noncontroversial by the Economic Development Finance Committee and will be approved by one motion. There will be no separate discussion of tlxese items unless a Committee member, staff member, or citizen so requests, in which case the item will be removed from the consent agenda and considered under the regular agenda. 3.1 June 30, 2020, Meeting Minutes 3.2 Revolving Loan Fund Balance Report 4. GENERAL BUSINESS 4.1 Shoot Steel TIF Application 5. ANNOUNCEMENTS 6. ADJOURNMENT P 0 W I R 1 0 8r NATURE of Elk Weer Meeting of the Elk River Joint Finance Committee Held at Elk River City Hall Held Via Zoom Meeting Tuesday, June 30, 2020 Members Present: Dan Tveite, Ryan Hardin, Nate Ovall, Rhonda Magnussen, Charlie Blesener, Larry Toth, and Michelle Eder Members Absent: Chad Vitzthum Staff Present: Amanda Othoudt, Economic Development and Colleen Eddy, Economic Development Specialist Others Present: None I. Call Meeting to Order Pursuant to due call and notice thereof, the meeting of the Elk River Joint Finance Committee was called to order by Dan Tveite at 7:34 a.m. 2. Consider Agenda Motion by Toth and seconded by Eder to approve the June 30, 2020, Joint Finance Committee agenda. Motion carried 7-0. 3. Consent Agenda Motion by Blesener and seconded by Eder to approve the June 15, 2020 Joint Finance Committee meeting minutes with the following change: Charlie Blesener attended the May 26, 2020 meeting. Motion carried 7-0. 4.1 COVID-19 Small Business Emergency Microloan Applications Ms. Othoudt presented the staff report and explained the application and microloan criteria. The commission discussed the following application: 1. Pinnacle Foods, LP dba Perkins Elk River a. Requested $5,000 Property Tax Relief b. President Tveite asked if this was one of the incomplete applications from last month. Ms. Othoudt said yes and Commissioner Toth asked if the application was for tax relief, of which Ms. Othoudt stated yes. c. Motion by Ovall and seconded by Magnussen to approve Pinnacle Foods, LP dba Perkins Elk River $5,000 Property Tax Relief application. Motion carried 7-0. 5.1 Announcements Ms. Othoudt notified the committee that there is an at large vacancy on the committee and to send Ms. Othoudt any recommendations. 6. Adjournment There being no further business, Mr. Tveite adjourned the meeting at 7:43 a.m. Minutes prepared by Colleen Eddy. Tina Allard City Clerk Amanda Othoudt Economic Development Director ELK RIVER ECONOMIC DEVELOPMENT AUTHORITY MICRO LOANS Current Current 8/13/20 Loan Loan Interest Term Monthly Principal Borrower Date Amount Rate (Months) Payment Outstanding Current Die Concepts 6/3/2016 $185,200 2.00% 60 $936.90 $153,802.10 N Making payment 8/13/20 Heritage Millwork 12/22/2016 $100,000 3.00% 60 $965.61 $67,631.70 Y Ralphies#1 9/10/2013 $74,999 3.00% 120 $724.20 $25,093.46 Y Ralphies#2 8/28/2018 $19,175 3.00% 60 $343.65 $12,162.01 Y TOTAL MICRO LOANS $258,689.27 Micro Loan Fund 240 Distinctive Iron 10/1/2019 $126,000 2.03% 60 $1,050.07 $ 184,095.51 Y Scott Morrell LLC 8/6/2015 $200,000 2.00% 60 $1,011.77 157,925.93 Y 5-Year Balloon is up Orluck 7/17/2018 $200,000 3.00% 84 $2,642.66 147,070.25 Y COVID-19 Small Business Emergency Loans Chow Mixed Grill and BBQ Daddy-O's Cafe, Inc. Inspire Studio, LLC Pinnacle Foods, LP Pyramid Fitness Group $489,091.69 DEED Jobs Incentive Loan Fund 242 Current 8/13/20 Loan Loan Interest Term 6-month Monthly Principal Forgivable Date Amount Rate (Months) Deferment Payment Outstanding 7/6/2020 $20,000.00 0% 60 1/1/2021 166.67 $20,000.00 $5,000.00 7/6/2020 $5,000.00 0% 60 1/1/2021 41.67 $5,000.00 $5,000.00 7/6/2020 $20,000.00 0% 60 1/1/2021 166.67 $20,000.00 $0.00 7/6/2020 $5,000.00 0% 60 1/1/2021 41.67 $5,000.00 $5,000.00 7/6/2020 $20,000.00 0% 60 1/1/2021 166.67 $20,000.00 $5,000.00 Snap Fitness 8/3/2020 $20,000.00 0% 60 2/1/2022 166.67 Elk River Country Club 8/3/2020 $5,000.00 0% 60 2/1/2020 41.67 Eagles Club 8/3/2020 $2,374.00 0% 60 2/1/2020 19.78 Fund Cash Balances 08/13/20: Micro Loan Fund - 240 $804,887.39 State DEED Jobs Incentive - 242 $135,731.14 $20,000.00 $0.00 $5,000.00 $5,000.00 $2,374.00 $2,374.00 $97,374.00 $27,374.00 Ells River Request for Action To Item Number joint Finance Committee 4.1 Agenda Section Meeting Date Prepared by General Business September 16, 2020 Amanda Othoudt, EDD Item Description Reviewed by Shoot Steel TIF Application and Financial Review Mikaela Huot, Baker Till Reviewed by Cal Portner, City Administrator Action Requested Review application and provide a recommendation to the Economic Development Authority to establish Tax Increment Financing District No. 26. Background/Discussion Shoot Steel is Shoot Steel, Inc. manufactures AR500 and AR550 steel targets, target stands, and other valuable range equipment. They are currently operating out of their Ramsey, MN facility. At their August 17, 2020, meeting, the FDA approved a purchase agreement from Shoot Steel contingent on the FDA holding a public hearing on September 21, 2020, and making the requisite findings required by Minnesota Statutes Section 469.105, subdivision 2 that the sale and conveyance of the property to the buyer are in the best interests of the city and the transaction furthers the EDA's general plan of economic development. Shoot Steel also indicated their intentions to apply for incentives through the FDA. The purchase agreement proposes the purchase of a 4.34-acre lot at the asking price of $2.00 per square foot, or market rate, for a total of $378,100. Shoot Steel, Inc. is proposing to relocate 7 FT and 1 PT employees from their Ramsey location. They plan to hire 6-7FT employees over the next two years. The positions will pay a minimum of $18 per hour depending on skill level. Shoot Steel, Inc is requesting up to $400,000 in financial assistance from the city in the form of Tax Increment Financing to construct their new facility. The maximum term for an Economic Development district is 8 years after receipt of first increment, for a total of 9 years. The developer is proposing a pay-as- you- o method for eligible costs as reimbursement from the city to construct their new facility. This project is estimated to generate $269,050 in total gross tax increment over 9 years, the maximum term for an Economic Development District. The total net amount available for this project is $241,274 or 90 percent, with the city retaining 10 percent for administrative expenses over the term of the district. The present value of the increment generated considering a 4% interest rate is $192,196. There is a remaining financing gap of $210,000 in which the developer must fill from a combination of equity or other funding sources. The Elk River Vision A welcoming community n ith revolutionary and spirited resourcefulness, exceptional p p N E I E 0 e r service, and community engagement that encourages and inspires prosperity IWATUR The developer's proposed financial package for the Shoot Steel project includes long-term, private financing of $1,259,050 from Village Bank, $1,036,000 in SBA financing, $200,000 from a private investor and $98,258 in equity from the owner, for a total estimated project budget of $2,993,308. Policy Review Staff completed a review of the application in accordance of the city's Tax Increment Financing Policy adopted on December 4, 2017. Based on the Estimated Market Value of the project as calculated by Sherburne County, the project's EMV is approximately $1,349,100 or $67 per square foot. Public Purpose The project must achieve one or more of the following public purpose statements: 1. Demonstrate long-term benefits to the community. 2. Retain local jobs and/or increase the number and diversity of jobs that offer stable employment and/or attractive wages and benefits through. ■ Diversification of the local economy ■ Significant addition of permanent, high -wage, full-time jobs ■ Addition of jobs attractive to those unemployed or underemployed 3. Significantly increases the city's commercial and industrial tax base. 4. Demonstrates the ability to encourage unsubsidized private development through "spin off' development. 5. Facilitates the development process and achieves development on sites that would not develop "but for" the use of TIF. 6. Removes blight and/or encourages redevelopment of commercial and industrial areas resulting in high quality redevelopment and private reinvestment. 7. Offsets redevelopment costs (i.e. contaminated site cleanup) over and above the costs normally incurred in development. 8. Aids the implementation of the Mississippi Connections Plan. The proposed project meets public purpose objective #1, #2, and #3. TIF District Term According to the city's policy adopted by Council on December 14, 2017, TIF Districts shall be limited to the minimum term necessary to meet the project needs. Only projects exceeding the objectives identified in the policy will be considered to exceed the maximum term allowed. The maximum term allowed for an economic development district is 8 years after receipt of the first increment, for a total of 9 years. The applicant has requested the maximum term allowed for an economic development district. Policy Considerations 1. Each Project is required to meet the but for test to determine the need for and level of assistance. ■ Baker Tilly completed a but for analysis and determined without TIF assistance the project would not proceed. 2. Developers receiving TIF assistance shall provide a minimum of ten percent cash equity investment in the project. TIF is not to be used to supplement cash equity. N:\Departments\Community Development\Economic Development\EDA\Admuiistcative\Agenda\Jouit Finance Committee Agenda Packets\2020\09162020 Special Meeting\4.1 sr Shoot Steel'nF Application Review.docx ■ The developer indicated Owner Cash Equity in the Shoot Steel project of $298,258, equivalent to 9.96% percent equity in the project. Which is slightly less then our minimum requirement for equity investment. 3. TIF will not be used in circumstances where land and property price is of fair market value. ■ The developer paid fair market value for the EDA property. 4. The developer shall demonstrate a market demand for the proposed project. TIF shall not be used to support purely speculative projects. ■ The developer is proposing to relocate from their Ramsey location. 5. The developer shall adequately demonstrate, to the city's sole satisfaction, an ability to complete the proposed project base don past development experience, general reputation, and credit history, amount other factors, including size and scope of the proposed project. ■ The city and the developer will enter into a development agreement outlining conditions and expectations of the proposed project. 6. For the purposes of underwriting the proposal, the developer shall provide any requested market, financial, environmental, or other data requested by the city or its consultants. ■ The developer provided all requested materials as part of the application. ■ Mikaela Huot from Baker Tilly Municipal Advisors will present the but for analysis. 7. The City of Elk River shall only use TIF to encourage economic growth and development within the city limits. ■ The project is located within the city limits of Elk River. Financial Impact Per the city policy, the total estimated gross increment available over 9 years for economic development is $269,050. The developer could receive 90 percent of the gross increment over 15 years of $241,274, or a present value of $192,196. Attachments ■ Shoot Steel TIF Application and Supporting Materials ■ Baker Tilly analysis and supporting documents dated September 11, 2020 N:\Departments\Community Development\Economic Development\EDA\Admuiistcative\Agenda\Jouit Finance Committee Agenda Packets\2020\09162020 Special Meeting\4.1 sr Shoot Steel'nF Application Review.docx City off"1 Elk vRf er 64 Tax Increment Financing Policy Tax Increment Financing Policy Purpose The purpose of this policy is to ensure development receiving Tax Increment Financing (TIF) is consistent with the long-term city Comprehensive Plan, Strategic Plan, Mississippi Connections Plan and/or most recent Housing Study. This is a guide for processing and review of TIF applications. The City of Elk River shall utilize TIF to encourage desirable development or redevelopment that would not otherwise occur but for TIF. The city is empowered to utilize TIF by the Minnesota Tax Increment Financing Act, as amended in Minnesota Statutes 469-174 through 469-1794. The city provides the minimum amount of TIF at the shortest term required for a project to proceed. The city reserves the right to approve or reject projects on a case -by -case basis, taking into consideration established policies, project criteria, and demand on city services in relation to the potential benefits from the project. Projects meeting policy criteria are not guaranteed the award of TIF. Approval or denial of a certain project is not a precedent for approval or denial of another project. The City Council and Economic Development Authority and the Housing and Redevelopment Authority can deviate from this policy for projects that supersede the objectives identified herein. Authority Minnesota Statutes 469-174 through 469-1794 govern the use of TIF and exceed any issues that conflict with this policy. Public Purpose The City of Elk River will consider TIF for projects that achieve one or more of the following. 1. Demonstrate long-term benefits to the community. 2. Retain local jobs and/or increase the number and diversity of jobs that offer stable employment and/or attractive wages and benefits through: ■ Diversification of the local economy • Significant addition of permanent, high -wage, full-time jobs ■ Addition of jobs attractive to those unemployed or underemployed 3. Significantly increases the city's commercial and industrial tax base. 4. Demonstrates the ability to encourage unsubsidized private development through "spin off' development. 5. Facilitates the development process and achieves development on sites that would not develop "but for" the use of TIF. 6. Removes blight and/or encourages redevelopment of commercial and industrial areas resulting in high quality redevelopment and private reinvestment. 7. Offsets redevelopment costs (i.e. contaminated site cleanup) over and above the costs normally incurred in development. 8. Aids the implementation of the Mississippi Connections Plan. Policy Statements 1. The primary intent of TIF is direct funding for public improvements and secondarily for developer assistance. 2. The use of TIF shall be in accordance with state law. The more restrictive language will apply when a conflict exists between this policy and state law. I Projects must be consistent with the Comprehensive Plan and/or the Mississippi Connectionst Plan. 4. Projects must be consistent with the Strategic Plan for Economic Development and/or the most recent Housing Study. 5. Preferred projects promote the completion of major public improvement projects within the city such as the installation of trunk sewer and water lines and major transportation projects. 6. The level of assistance provided will be determined on a case -by -case basis as referenced in Public Purpose. Based on the extent to which the project achieves the policy statements (1-6 above), the city will consider TIF for projects in the following categories: a Manufacturing ■ Major office warehouse/production facilities ■ Research and development Commercial projects encouraging substantial redevelopment of substandard properties • Housing needs identified in the most recent city housing study Assistance for TIF is required to meet the uses identified by statute including, but not limited to the following: ■ Public improvements ■ Land acquisition and land write down Loans • Site preparation and improvement ' Demolition ' Legal, administration, and engineering 2. The preferred method of TIF is pay-as-you-go for eligible costs as reimbursement, upfront financing maybe considered on a case -by -case basis. 3. A maximum of ten percent (10%) of any tax increment received from the district shall be retained by the city to reimburse administrative costs. 4. All TIF assistance must be accompanied by a signed development agreement including a minimum assessment value. The developer must provide additional financing guarantees to ensure completion of the project, including, but not limited to: letters of credit, personal guarantees, corporate guarantees, etc. 5. TIF District's shall be limited to the minimum term necessary to meet the project needs. Only projects exceeding the objectives identified in this policy will be considered to exceed the following general thresholds: ■ Redevelopment District 15 Years (lvlax is 26) ' Housing District 15 Years (Max is 26) ■ Soils Condition District 15 Years (Max is 21) ■ Renewal and Renovation District 10 Years (Max is 16) ■ Economic Development District S Years (Max is 9) 6. Policy Considerations ■ Each project is required to meet the "but -for" test to determine the need for and level of assistance. This test and the amount of tax increment generated determines the district's term. It is difficult to facilitate a redevelopment, housing or soils condition district for less than the maximum term as the extraordinary costs involved are usually significant. ■ The term of the district could coincide with the amount of tax increment the city has to spend on its priorities within a project area. Of all the TIF districts, the Economic Development District is most often the one limited to a lesser term. Economic Development Districts are really "incentive" districts where it is not so much the extraordinary costs as it is an "incentive" to get a business to locate in a community. In the other districts, the costs are easily identifiable and usually significant such as demolition, relocation, environmental remediation, and the cost differential between market rate and income/rent restricted housing. r� 7. Developers receiving TIF assistance shall provide a minimum often percent (10%) cash equity investment in the project. TIF will not be used to supplant cash equity. 8. TIF will not be used in circumstances where land and/or property price is in excess of fair market value. A third -party appraiser agreed upon by the city and developer will determine the fair market value of the land. 9. The developer shall demonstrate a market demand for a proposed project. TIF shall not be used to support purely speculative projects. 10. The developer shall adequately demonstrate, to the city's sole satisfaction, an ability to complete the proposed project based on past development experience, general reputation, and credit history, among other factors, including the size and scope of the proposed project. 11. For the purposes of underwriting the proposal, the developer shall provide any requested market, financial, environmental, or other data requested by the city or its consultants. 12. The city of Elk River shall only use TIF to encourage economic growth and development within the city limits. Application Process Applicant submits a complete application and a $10,000 application deposit by the first Monday of the month. The application deposit will be used toward the cost of services provided in the evaluation of financial feasibility, establishment or modification of the district, and preparation of legal documents and agreements. An additional deposit of $10,000 shall be required for projects requiring statutory redevelopment substandard tests. The applicant shall reimburse the city for professional services in excess of the initial deposit. Deposit portions not utilized shall be refunded. 2. City staff reviews the application for completeness and submits the application to the city's financial consultant for review and preparation of a financial analysis. I The Joint Finance Committee shall review the proposal's financial strength and make a recommendation to the appropriate commission with findings of fact. 4. The appropriate authority reviews the proposal and the recommendation to determine conformance with this policy. The authority makes a recommendation to the City Council. 5. After meeting the statutory requirements for establishing the Tax Increment District, the City Council holds a Public Hearing and takes action on the proposal (Approximately 45-60 days). C APPLICATION FOR TAX INCREMENT FINANCING A. APPLICANT INFORMATION Name of Entity Shoot Steei. INC Address 6230 McKinley St. NW Unit C2 Ramsev, MN 55303 Primary Contact _ Evan Mover Address _ 32428 N Center LN Center Cir t _MN 55012 Phone 651-587-4711 Fax _ N_A _Email evan<,i sho_otsteel.com Brief description of the entity business, including history, principal product or service: Shoot Steel INC manufactures and sells AR500 and AR550 steel targets, stands and other Lange equipment. Shoot Steel INC was formed in 2014. the founding corn any Multiplex Svstems LLC was formed in 2009. The first targets were cut in 2010 Brief description of the proposed project: Shoot Steel INC intends to buy the land at 17565 Tvler St NW in Elk River MN. The land will be used to con a 20 OOOsf warehouse. The warehouse will be used fox licht manufacturing, warehousing and sales Attorney Name eff Vest Address 7077 Northland Circle STE 300 Brookh n arL MN 55428 _ Phone_763-566-3720 Fax 763-566-3722 Email 'eff vestandmesserl .com Accountant Name Matt Lind Address 1000 Shelard PKY 61h Floor St. Louis Park MN 55426 Phone 952-544-4147 —Fax 952-544-2628 Email matt.lind m sla'ek.com Contractor Name And Lax o Address 200 1u St. S. Buffalo MN 55313 Phone 763-634-5600 Fax Email andy.larso� sonbulding.com Engineer Name Brian Shultz Address 18 South Riverside, STE 230 SartelL UN 56377 Phone.320-339-0669 Fax Email shultzeng@live.com Architect Name _ Erik Johnson Address 15001 140s' St. Foreston MN 56330 Phone, 612-508-8099 Fax Email_ erik@stonetentarchitecture.com B. PROJECT INFORMATION 1. The project will be: Redevelopment District Housing District Soils Condition District Renewal and Renovation District X Economic Development District 2. The project will be: X Owner Occupied Leased Space 3. Project Address 17565 Tyler Street Northwest Elk River MN 55330 Legal Description & Parcel Identification Number(s) LOT1 BLK 2 3UB-1 TO EASEMENT OF RECORD 75-757-0205 4. Site Plan and Preliminary Construction Plans Attached: _X Yes____ No 5. Amount of Tag Increment Requested for: Land Purchase $ 378100 Public Improvement $ Site Improvement $ 513,377 6. Current Real Estate Taxes on Project Site: $ D Estimated Real Estate Taxes upon Completion: Phase I $44,039 Phase II $111,660 7. Construction Start Date: October 2020 _ Construction Completion Date: June 2021 If Phased Project: PH1 2021 Year _100_% Completed PH2 2025 Year _100_% Completed C. PUBLIC PURPOSE It is the policy of the City of Elk River that the use of Tax Increment Financing should result in a benefit to the public. Please indicate how this project will serve a public purpose. X —job Creation/Retention: X_ Number of existing jobs X Number of jobs created by project X Average hourly wage of jobs created/retained New industrial development, which will result in additional private investment in the area. X Enhancement or diversification of the city's economic base. The project contributes to the fulfillment of the City's Plan. Removal of blight or the rehabilitation of a high profile or priority site. X Significantly increase the City's tax base. Other: D. SOURCES & USES SOURCES Bank Loan Other Private Funds Owner Cash Equity Fed Grant/Loan State Grant/Loan EDA Micro Loan Tax Increment ID Bonds TOTAL NAME Village Bank_ Private Investor SBA Loan TIF__ AMOUNT $1,259,050_ $200,000 $98,258_ $1,036,000_ $ $400,000._ $2,993,308 USES AMOUNT Land Acquisition $378,100 Site Development $513,377` Construction $1,926,944___ Machinery & Equipment $ Architectural & Engineering Fees $61,365� Legal Fees $— Interest During Construction $ Debt Service Reserve $ Contingencies $113,522 TOTAL $2,993,308 E. ADDITIONAL DOCUMENTATION AND CHECKLIST Applicants will also be required to provide the following documentation. A) Written business plan, including a description of the business, ownership/management, date established, products and services, and future plans B) Financial Statements for Past Two Years Profit & Loss Statement Balance Sheet C) Current Financial Statements Profit & Loss Statement to Date Balance Sheet to Date D) Two Year Financial Projections E) Personal Financial Statements of all Major Shareholders Current Tax Return Letter of Commitment from Applicant Pledging to Complete During the Proposed Project Timeline G) Letter of Commitment from the Other Sources of Financing, Stating Terms and Conditions of their Participation in Project I� Application deposit of $10,000, with any unused portion to be refunded. i) Construction Plans and Itemized Project Construction Statement J) Attach the following documentation as Exhibits Exhibit A — Entity Documents Exhibit B — Description of Project I-Xhibit C — List of Shareholders/Partners Exhibit D — But -For Analysis Exhibit E — List of Prospective Lessees Exhibit F — Legal Description and PID Number(s) Note: All Major shareholders will be requited to sign personal guarantees if up front financing of the project is required. C�. The undersigned certifies that all information provided in this application is true and correct to the best of the undersigned's knowledge. The undersigned authorizes the City of Elk River to check credit references and verify financial and other information. The undersigned also agrees to provide any additional information as may be requested by the City after the fitimg of this application. Applicant Name t��w+ yer C: Date 2 ?P Tax Increment Financing Policy History On T Council 12/4/2017 EDA 11 /20/2017 HRA 11 /6/2017 Item # -, ; Inge Bar* (f'cb August 3, 2020 Evan Moyer Shoot Steel, Inc. 6230 McKinley Ave NW Unit C2 Ramsey, MN 55303 Dear Mr. Moyer, Village Bank is pleased to present the following proposal. This proposal is for discussion purposes only and should not be construed as a lending commitment on the part of Village Bank. A commitment can only be made after completion of our underwriting process, management approval, and completion of documentation acceptable to the bank and its counsel. Loan #1: Commercial Real Estate Loan Bank Portion): Borrower: A to -be -determined Limited Liability Company Loan Amount: Up to $1,259,050 (based upon and approximately 50% of total project) Maturity: 12-month Interest -Only draw phase, followed by a 25 year fully amortizing Note. Interest Rate: 4.05% per annum, fixed for 7 years, then adjusting and fixing (between adjustment periods) every 5 years thereafter based upon the highest published Wall Street Journal Prime + 1% with a floor of 4.05%, per annum. Payment Amount; Initial 12-month Interest -Only draw phase, based upon the amount of credit outstanding, followed by fully amortizing monthly Principal and Interest payments of approximately $6,681.00 (based upon full advance of the loan at the time of conversion). Prepayment Penalty: 3%, 3%, 3%, 2%, 2%, 1%, 1% over the first 7 years from the date of loan closing and based upon outstanding principal balance at the time of payoff should the loan be refinanced at another financial institution. No prepayment penalty shall be applicable should the funds be derived from Borrower or affiliate of Borrower/Guarantor. Purpose: A dual phase note to finance commercial real estate purchase and construction for a to -be - constructed building to be located at: 17565 Tyler St NW, Elk River, MN 55330 Member FDIC #ItTakesaVillage I www.villagebankonline.bank „a4.,.�, L k'.N{J�ft Use of Funds Purchase of Land 378,100 Construction Build -out & related expenses 2,100,000 Soft Costs 40,000 Subtotal 2,518,100 Debenture Pricing 28,760 Total Use of Funds 2,546,860 Final Project Source of Funds Bank 1,259,050 SBA (net Debenture $1,027,240) 1,036,000 Owners' Equity 251,810 Total Source of Funds 2,546,860 Fees & Costs: Estimated Soft Costs for Project: Bank Origination Fee 12,591 Senior Mortgage Fee/Colson Subordination Fee (SBA) 6,295 Appraisal (as-built/review/final) 3,500 Phase I Environmental Assessment 2,500 Mortgage Registration 5,279 Title Insurance 3,443 Abstracting Fee & Exam Fee 400 Assessment Search 35 Recording Fees 150 Flood Search and Certification 19 Closing Costs 300 Legal Fee 0 SBA Title Re -issue Fee/payable to CDC 8,288 Miscellaneous 0 Total Soft Costs 42,799 Required Eguity In iection: Estimated to be $251,810 (approximately 10% of the total project). Collateral: A perfected priority real estate mortgage on commercial real estate located at: 17565 Tyler St NW, Elk River, MN 55330 Personal Personal guaranty of all owners with 20% or more ownership will be required to guaranty the Guarantor(s): loan on an unlimited basis. FDIC #ItTakesaVillage I www.villagebankonline.bank LENDER Corporate Guarantor: Shoot Steel, Inc.; Conductive Cooking, Inc. Lease: Lease amongst Shoot Steel, Inc., Conductive Cooking, Inc., and Borrower (entity to -be - determined) with options to extend at least as long as the term of the loan. Insurance: - Evidence of Property Insurance (ACORD Form 27) naming the borrowing entity as Insured, the address of the property and the bank as Lender Loss Payee and Mortgagee. A Certificate of Liability Insurance (ACORD Form 25) naming the borrowing entity as insured, the address of the property and the bank as Additional Insured. Automatic Payment: We require monthly payments to be made automatically from a Village Bank account. Deposit Accounts: All primary operating and depository accounts of Borrower and Corporate Guarantor(s) to be maintained at Village Bank. Should this condition not be met, the bank, in its sole discretion, may increase the interest rate charged on the loan by .25%, per annum, until the violation is cured. Loan #2: Commercial Real Estate Loan (To be paid off by SBA 504): Borrower: A To -be -determined Limited Liability Company Loan Amount: Up to $1,027,240 (based upon and approximately 40% of total project) Maturity: 12 months Interest Rate: 4.09%, per annum, fixed to maturity Payment Amount: Interest -only payments based upon the outstanding principal balance of the loan, to be made monthly. Prepayment Penalty; 3% on outstanding principal if refinanced at another financial institution other than the SBA 504 CDC/ Debenture Financing. Purpose; See loan #1 Fees & Costs: See loan #1 Required Equity Inicetion: See loan #1 Collateral: A 2nd real estate mortgage on commercial real estate located at: 17565 Tyler St NW, Elk River, MN 55330 Personal Personal guaranty of all owners with 20% or more ownership will be required to guaranty the Guarantor(s): loan on an unlimited basis. Corporate Member FDIC #ItTakesaVillage I www.villagebankonline.bank ,,,,,..,h, e ENIWR Guarantor: Shoot Steel, Inc.; Conductive Cooking, Inc. Lease: Lease amongst Shoot Steel, Inc., Conductive Cooking, Inc., and Borrower (entity to -be - determined) with options to extend at least as long as the term of the loan. Insurance: - Evidence of Property Insurance (ACORD Form 27) naming the borrowing entity as Insured, the address of the property and the bank as Lender Loss Payee and Mortgagee. - A Certificate of Liability Insurance (ACORD Form 25) naming the borrowing entity as insured, the address of the property and the bank as Additional Insured. Automatic Payment: We require monthly payments to be made automatically from a Village Bank account. Documentation & Other Village Bank and/or an entity as assigned by Village Bank will prepare all documents which are drafted in connection with the proposed potential financing package as stated herein. Requirements: In addition to other documents and information as determined through final underwriting, the Borrower, Personal Guarantor, Corporate Guarantor(s), or as required will provide: 1) SBA 504 Loan Authorization 2) The delivery to the Bank of the following: ■ Annual Federal Tax Return of the Borrower; Annual Financial Statements of the Borrower; ■ Annual Tax Return of the Guarantor(s); and ■ Annual Personal Financial Statement of the Guarantor(s). Good Faith Deposit: As a consideration for the Bank making this proposal, a deposit in the amount of $5,000, will be required. Should the loan(s) not close for any reason, the deposit will be refunded, less any cost(s) incurred by the Bank relative to the transaction(s) being contemplated herein. This proposal is for discussion purposes only and is subject to village Bank's final underwriting and approval. Village Bank is not to be legally obligated to make any loan except upon the terms and subject to any loan documents actually signed and delivered by the Borrower to Village Bank. This letter is not intended to be all-inclusive, rather to serve as a basis for working towards a mutually acceptable agreement. Should you wish to proceed, please counter -sign and return a copy of this letter along with the $5,000 Good Faith Deposit to indicate your interest in further pursuing the transaction as outlined above. Should a fully executed copy and Good Faith Deposit not be received by 5:00 pm on Wednesday, August 12, 2020, the terms as stated herein shall be deemed void. Please call me at 763-398-3586 if you have any questions or require additional information. We appreciate the opportunity to present this proposal and look forward to assisting you with your financial needs. Sincerely, raig J. Kliber Sr. Vice President M,nih— FDIC #ItTakesaVillage I wwwmillagebankonline.bank ,f,�,,, I rN01FR ACKNOWLEDGEMENT AND ACCEPTANCE Acknowledged and accepted this day of .20 . The proceeds of this loan, if any, will be used for business purposes exclusively. By signing below, the obligor further acknowledges they are not required to obtain or pay for any unwanted services. By: Evan Moyer Member FDIC #ItTakesaVillage I www.villagebankonline.bank u STEEL �-ro M Shoot Steel, INC 6230 McKinley St NW Unit C2 Ramsey, MN 55303 763-205-2109 ShootSteel.com Letter of Commitment City of Elk River I am pledging to commit to finish this project at 17567 Tyler Street Northwest, Elk River MN. I would greatly appreciate any assistance the City of Elk River can provide. Sincerely, Evan Moyer President, Owner LARSON E3iJ11_..€?ItJt rGeneral Conditions ivision 2 Sitework Division 3 Concrete Division 4 Masonry N-A. Division 5 Metals Division 6 Carpentry/Woods/Plastic Division 7 Rooting/Insulatian Division Doors/Windows Division 9 Finishes Division 10 Specialties Division 11 Loading Dock Equipment Division 15 Plumbing/HVAC/Fire Prot Division 16 Electrical - Project Exclusions 5ignage Window Treatments Furniture Design Fee's (Separate Contract' Bad Sail Dewatering Utility hook Up Fee's SAC / WAC / Trunk / Park Dedication Fee's Project Allowances (Included) Utilities Landscaping + Irrigation $i25,000 $50,000 Low Voltage / Security $15,000 Electrical $120,13DD Plumbing $100,000 Winter Conditions $30,00D Shoot Steel Estimate New Remodel Elk River, MN Total 8/21/2020 Total Cc Cost per 6.45% $ 8.17 20.10% $ 25.47 27.41% $ 34,73 0.00% _$ 7.46% $ 9.45 1.12% $ 1.42 3.92% $ 4.96 3.17% $ 4.02 4.38% $ 5.55 0.08% $ 0.10 0.59% $ 0.74 7.73% $ 9.79 5:29% $ 6.70 87,71% $ 111.11 87.7_1% $ 111.11 1,09 0.00% $ 0.00%� $ 0.34% $ 0.42 88.90% $ 112.62 0.12% $ 0.15 4.45% $ 5,63 6.53% $ 9.28 100.00% $ 126.68 Mats $0 $0 $o $0 1 20,1601 700I $28, $0 $0 $81,000 $81,000 $0 $0 $111,923 $111,923 $0 $0 $2,000 $2,000 $0 $D $15,000 $15,000 $0 $BI $197,400 $197,400 So $0 $135,000 $135,000 $0 $0 $2,239,919 52.239.919 5.005 7.005 Subtotal Permit SAC/WAC Bond GLlnsurance $2,239,919 $21,959 $0 $0 $8,565 Subtotal Builders Risk Contingency aH&P $2,270,443 $ 3,000,00 $ 113,522 $ 156,878 Assuprions/Clarifications Add Demising Wall W/ Paint & 2 Doors $ g6,500,60 Add Mezzaning With Finished office Space $ 139,000.00 Add Concrete Mez & Stairs No office Finish $ 55,W.00 Add AC Warehouse Is 49,750 00 Budget Based on Site Plan Al, Floor Plan A2, Floor Plan A3 Dated 8-11-2o20 Larson Building reserves the right to final price the work once permit documents are finalized. 2 MFI 111-_ 9raN: tom" uL PLAN ,Euo„amns� pn. a,z5os.eas3 ai�sroraeina�cr�i�a:n..e.rnm ctawleMarmnadu�y,� ME LARSON u r<wu<<mw, v„a.,am m.smr�o dMmwma N D U O N EIk P,„pM• 50862 - -- SHOOT STEEL ING ,ws FLOOR PLAITS d7 p6 06 04 p3 02 di I ,- j .. f 'NdRTH *s �suRvncs u+� Fl .warm% i e�, foam ar oz oa o5J os da ew• xsw• ze-0 �'' eew' zsar aa• JL ELEVATION KEY NOTES Z. 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Umbaugh Memo - Draft for Review To: Members of the Joint Finance Committee Amanda Othoudt, Economic Development Director From: Mikaela Huot, Director Date: September 11, 2020 Application for Tax Increment Financing Assistance related to proposed Subject: establishment of Tax Increment Financing Economic Development (TIF) District No. 26 Financial Analysis and But -For Review Background The City of Elk River received an application from Shoot Steel, INC, the applicant, for financial assistance through Tax Increment Financing (TIF) to assist with financing a portion of the extraordinary development costs related to the construction of a new 20,000 square foot warehousing facility. The applicant is proposing the acquisition of City -owned property located at 17565 Tyler St NW in the City of Elk River for business location and expansion of its existing company operations. The applicant's company is currently leasing approximately 10,000 square feet of space in a neighbouring city and has reached capacity. Due to current capacity concerns, the company has been limited in opportunities for product growth and future development. As a result, it is looking for land that will facilitate existing business needs, as well as allowing for potential additional future expansion. The proposed property for this project has been identified as an ideal location for the company to relocate and meet current demands, as well as allow for future anticipated growth plans, subject to a feasible financing plan. The applicant's original budget for the project did not account for the level of acquisition and site development costs that are required for construction on the identified proposed site. The increased costs related to acquisition, site development and potential winter construction have created a financial gap of approximately $400,000. The project is expected to locate 7 full time and 1 part time position to the City of Elk River. The applicant is anticipating hiring an additional 6-7 new employees over the next two years at a minimum wage of $18/hour and would meet the City's business subsidy policy provisions. Baker Tilly has been retained by the City to review the application for financial assistance. The purpose of this memorandum is to provide a summary of Baker Tilly's review of the development project costs and sources of funds, and operating pro forma as provided by the applicant to assist the City with making a determination if the project as proposed would be unlikely to proceed "but -for" the requested Tax Increment Financing (TIF) assistance, and to determine the appropriate amount, if any, of public assistance. Prior to establishing a tax increment financing district, there are findings that need to be made by the City that include: 1) determination that the project qualifies as a TIF district and 2) determination that the project as proposed would not proceed without public assistance (meeting the "but -for" test. When reviewing requests for financial assistance it is important to understand how the level of financial assistance would impact the ability of the project to proceed as proposed and maximize new value created on the current project site. Applicant Request for Assistance The applicant's application for financial assistance includes an approximate $2.993 million project that would be funded by an estimated $1.259 million first mortgage from Village Bank, $298,258 of equity from both a private investor ($200,000) and owner cash ($98,258), and a $1.036M SBA loan, leaving a $400,000 gap. The applicant has asked for tax increment financing assistance to close the financial gap. The extraordinary acquisition and site development costs that cannot be supported solely by the project alone may justify the need for public financial assistance. The assistance would allow the project to proceed as proposed and to provide appropriate upfront funding and to meet minimum debt coverage requirements. The applicant has indicated in the application that the receipt of City financial assistance is necessary for the project to proceed based on current financing limitations. The sources and uses of funds from the applicant's financial materials is illustrated in the table below. Sources Amount Uses Amount First Mortgage $1,259,050 Acquisition $378,100 TIF Mortgage * $400,000 Site Development $513,377 Private Investor $200,000 Construction $1,926,944 Owner Cash Equity $98,258 Architectural and Engineering fees $61,365 SBA Loan $1,036,000 Contingencies $113,522 Total $2,993,308 Total $2,993,308 * financed as pay as you go for reimbursement of certain costs Qualifications Providing financial assistance through tax increment financing would require the City to proceed with the establishment of a Tax Increment Financing (Economic Development) District. Tax increment financing is a tool the City may consider using to support financial assistance for the project, subject to meeting the but -for test and need for public financial participation. The definition of an economic development district is included as an attachment to this memo. A public hearing date of October 5 has been established for the City Council to consider taking action on establishment of the Tax Increment Financing District. The Economic Development Authority of the City of Elk River will review the request and tax increment financing documents at its September 21 meeting. Project Financing There are generally two ways in which assistance can be provided for most projects, either upfront or on a pay- as-you-go basis. With upfront financing, the City would finance a portion of the applicant's initial project costs through the issuance of bonds or as an internal loan. Future tax increment would be collected by the City and used to pay debt service on the bonds or repayment of the internal loan. With pay-as-you-go financing, the applicant would finance all project costs upfront and would be reimbursed over time for a portion of those costs as revenues are available. Pay -as -you -go -financing is generally more acceptable than upfront financing for the City because it shifts the risk for repayment to the applicant. If tax increment revenues are less than originally projected, the applicant receives less and therefore bears the risk of not being reimbursed the full amount of their financing. However, in some cases pay as you go financing may not be financially feasible. With bonds, the City would still need to make debt service payments and would have to use other sources to fill any shortfall of tax increment revenues. With internal financing, the City reimburses the loan with future revenue collections and may risk not repaying itself in full if tax increment revenues are not sufficient. The project financing would be pay-as-you-go for reimbursement of eligible costs. Tax Increment Revenue Assumptions The County Assessor provided a taxable value estimate for the project. To estimate the amount of available TIF revenues generated by the proposed project, certain assumptions were made based on the value of the project, construction schedule, and anticipated financing terms. • Total existing value of $378,100 o Parcel ID: 75-757-0205 o Base value as of Jan. 1, 2020 o Original net tax capacity (ONTC) of $6,812 o Assuming classification as commercial -industrial (C-1) ■ C-1 classification rate is 1.5% first $150,000 value and 2% value above $150,000 • Estimated total market value upon completion 0 20,000 square foot warehouse facility ■ $67 per square foot (approximate) ■ $1,349,100 • Incremental value based on difference between existing and new land/building value • Construction commences in 2020 and is completed in 2021 0 Project values 100% complete for assess 2022 and taxes payable 2023 • First increment collected in 2022 • Net present value (discount) rate of 4% • 3% annual market value inflation Tax Increment Revenue Estimates Revenue Estimates Estimated annual available increment (first year) $22,739 Total gross tax increment $268,083 City retainage (10%) $26,809 Net amount available for development (90%) $241,274 Total estimated present value (4%) $192,196 Estimated Applicant Principal TIF Note $190,000 Estimated interest payments at 4% $41,880 Total payments $239,556 Estimated surplus ($241,274 - $239,556) $1,718 The level of tax increment revenues projected for this project are less than what the applicant has requested. As a result, the applicant will be required to obtain additional funding from other sources, presumably equity and/or equity, low -interest loans or forgivable loans/grants to fill the remaining gap. Applicant Pro forma Analysis including But -For Upon approval of a TIF district and project, the City must make several findings, including the "but for" test: that the proposed development would not reasonably be expected to occur solely through private investment within the reasonably foreseeable future. The applicant has stated that but for the provision of tax increment financing, the project as proposed would not occur. In the application for financial assistance and supporting materials, including the but -for statement, the applicant provided sources and uses of funds illustrating an approximate $400,000 gap due to increased costs of the project relating to acquisition, site development and stormwater ponding, and winter construction. The applicant provided a letter from its lender indicating the estimated amount of financing available is 50% of total project costs. Based on total original cost estimates of $2.5 million, this would equate to approximately $1.259 million of potential lending. Remaining funding sources include SBA loan and equity. Ability to obtain an increased level of funding through one or more of the other funding sources would be subject to financial feasibility and availability of annual revenues to support repayment, as well as willingness of the lender to provide additional funding. Based on the applicant's stated position relative to the need for tax increment financing assistance, the City could make its "but for" finding and provide tax increment assistance. We recommend, however, that the City review the provided assumptions to consider if the project meets the but -for test and, if so, what an appropriate level and type of TIF assistance may be based on the information submitted by the applicant. Following thorough evaluation of the project as provided allows the City to be prepared to make an informed "but -for" decision based on the likelihood of the project needing assistance, as well as the appropriate level of assistance. As stated previously, the applicant's request for financial assistance of $400,000 is more than the projected available tax increment revenues generated by the project ($190,000). As a result, any level of financial assistance provided would be less than what has been requested. To complete the but -for analysis, we reviewed the applicant's provided sources and uses of funds and operating proforma and constructed similar ten-year project proformas, showing a result if the applicant received the assistance as pay-as-you-go (reimbursement for TIF eligible costs) and showing a result if the applicant did not receive assistance. Our analysis of the proformas included a review of the development budget, projected operating revenues and expenditures, and the project's capacity to support annual debt service payments. The purpose of evaluating the operating proformas is to understand the potential cash flow performance and projected rates of return of the project over a 10-year period to assist with making the determination that 1) tax increment assistance is necessary and 2) an appropriate level of assistance will be provided. An additional measure of project need and financial feasibility is the Debt Coverage Ratio (DCR), which is a calculation detailing the ratio by which operating income exceeds the debt -service payments for the project. If the DCR is greater than 1.0 it indicates the project has operating income that is greater than the debt -service payment by some margin; conversely if the DCR is less than 1.0 it indicates the project is incapable of meeting its debt -service payment and would need to seek additional revenue sources in order to pay its debt. Typical lending standards will require a DCR of greater than 1.0 as a measure of cushion in the event actual revenues and expenses are different than projected. The applicant's operating proforma without tax increment assistance includes a 1.15x DCR, which is the minimum level generally required for this type of project. Altering the level of financing through tax increment financing assistance is expected to increase the performance of the project, resulting in approximately 1.28x DCR with assistance. To understand viability of the project and need for public assistance, we provided a sensitivity analysis to the proformas with adjustments made to the upfront funding sources. The applicant provided a `with' and `without' scenario based on a $400,000 gap. The `with assistance' scenario assumes receipt of the entire $400,000 of requested assistance and would provide additional annual cash flow and higher return on equity (18.86%). With no assistance, the annual cash flow and returns are reduced to a level the applicant has deemed infeasible for the project to proceed (8.06%-9.07%). In addition to reduced returns, the annual revenues may not be sufficient to support the level of debt necessary for the project to proceed. The applicant is also limited in the level of debt financing and equity investment it can receive based on project performance. A modified level of assistance based on availability of revenues and need for assistance is estimated to provide more reasonable annual cash flow and returns on equity (12.78%). The amount of financing available for the project is typically based on net operating income, which is lease revenues less operating expenses. The annual cash flow is based on assumptions relative to lease revenues, operating expenses and debt repayment. The applicant provided terms of the lease revenues that includes 5- year term at $17,000 per month. Rent is adjusted equal to the real estate taxes to be paid during the calendar year. Moyer Properties, LLC will lease the building to Shoot Steel, Inc for occupancy. Debt repayment is based on payments to be made to both Village Bank as first mortgage lender and SBA loan with remaining cash flow available as returns to the equity investor(s). The City's current TIF policy provides parameters regarding maximum amount of assistance that could be provided and minimum cash equity contributions. The policy guidelines and statutory limitations for the term an economic development is 8 years after receipt of first increment. The policy guidelines also include a requirement that owner cash equity is a minimum of 10%. The current sources of funds include approximately 9.96% of investor and cash equity. A reduction in the amount of tax increment assistance based on availability of revenues is expected to result in the increase of both lender and equity requirements. Conclusion The applicant has requested financial assistance related to construction of the new project and relocation of the business from existing small leased space to owner -occupied space in the City of Elk River. Due to estimated costs for land acquisition, site improvements and storm water ponding, the project is expected to experience an estimated $400,000 cost overrun prior to construction commencing. The applicant's primary lender, Village Bank, has provided a financing proposal for a loan amount of $1,259,050 based on approximately 50% of total original project costs. Terms of the loan are 4.05% interest rate, fixed for 7 years then adjusting and fixing every 5 years. Terms of the SBA loan include 25-year repayment at 2.75% interest rate. Remaining funding sources include investor equity and owner cash. The project includes the transition to a new location and also from lease to ownership for the company and owner. The company has been operating at a reduced capacity in the existing location and would have the opportunity to expand post -relocation. Tax increment financing revenues would provide an additional cash flow source during the early years of the project to allow for business growth and development and fulfilment of increased employment goals. Tax increment financing is a tool that can assist with covering a portion of the additional eligible costs associated with the project. The level of financial assistance the applicant has requested is less than what is expected to be available and based on financial analysis appears to be more in alignment with what the project would need for financial support. Since terms of the assistance include pay-as-you-go as reimbursement for certain costs, the applicant will be responsible for obtaining all upfront funding sources and using cash flow from the project and any tax increment revenues to repay obligations. Total estimated tax increment revenues that could be available for this project are approximately $190,000. Should the City choose to provide tax increment assistance, the applicant will need to find an additional $210,000 from other funding sources to fill the remaining gap. Aligning the level of assistance to the availability of projected revenues provides a method of closing a portion of the financial gap and allows the public participation for the project to remain at a reasonable level, while still providing a means for allowing the project to proceed as proposed. Thank you for the opportunity to be of assistance to the City of Elk River. Please contact me at 651.368.2533 or Mikaela.huotCc-)bakertilv.com with any questions or comments. Definition of Economic Development Tax Increment Financing District Economic development district means a type of tax increment financing district which consists of any project, or portions of a project, which the authority finds to be in the public interest because: 1. it will discourage commerce, industry, or manufacturing from moving their operations to another state or municipality; 2. it will result in increased employment in the state; 3. it will result in preservation and enhancement of the tax base of the state; or 4. it satisfies the requirements of a workforce housing project under section M.176, subdivision 4c, paragraph (d). MN Statutes 469.176, Subd. 4c. Revenue derived from tax increment from an economic development district may not be used to provide improvements, loans, subsidies, grants, interest rate subsidies, or assistance in any form to developments consisting of buildings and ancillary facilities, if more than 15 percent of the buildings and facilities (determined on the basis of square footage) are used for a purpose other than: 1. the manufacturing or production of tangible personal property, including processing resulting in the change in condition of the property; 2. warehousing, storage, and distribution of tangible personal property, excluding retail sales; 3. research and development related to the activities listed in clause (1) or (2); 4. telemarketing if that activity is the exclusive use of the property; 5. tourism facilities; 6. space necessary for and related to the activities listed in clauses (1) to (5); or 7. a workforce housing project that satisfies the requirements listed below. A project qualifies as a workforce housing project under this subdivision if: (1) increments from the district are used exclusively to assist in the acquisition of property; construction of improvements; and provision of loans or subsidies, grants, interest rate subsidies, public infrastructure, and related financing costs for rental housing developments in the municipality; (2) the governing body of the municipality made the findings for the project required by section 469.175, subdivision 3, paragraph (f); and (3) the governing bodies of the county and the school district, following receipt, review, and discussion of the materials required by section 469.175, subdivision 2, for the tax increment financing district, have each approved the tax increment financing plan, by resolution. The maximum term of an economic development district is eight years after receipt of first increment for a total collection term of 9 years. Projected Tax Increment Report City of Elk River, Minnesota Tax Increment Financing (Economic Development) District No. 26 Shoot Steel, INC Draft TIF Plan Exhibits Annual Period Ending 1 Total Estimated Market Value (1) 2 Total Net Tax Capacity (2) 3 Less: Original Net Tax Capacity(3) 4 Retained Captured Net Tax Capacity 5 Times: Tax Capacity Rate (4) 6 Annual Gross Tax Increment 7 Less: State Aud. Deduction 0.360% 8 Subtotal Net Tax Increment 9 Less: Admin. Retainage 10.00% 10 Annual Net Revenue 11 P.V. Annual Net Rev. To 02/01/21 4.00% 12/31 /20 378,100 6,812 6,812 0 130.571% 0 0 0 0 0 0 12/31 /21 378,100 6,812 6,812 0 130.571% 0 0 0 0 0 0 12/31/22 1,349,100 26,232 6,812 19,420 130.571% 25,357 91 25,266 2,527 22,739 21,300 12/31 /23 1,389,573 27,041 6,812 20,229 130.571% 26,415 95 26,320 2,632 23,688 21,336 12/31/24 1,431,260 27,875 6,812 21,063 130.571% 27,502 99 27,403 2,740 24,663 21,359 12/31/25 1,474,198 28,734 6,812 21,922 130.571% 28,624 103 28,521 2,852 25,669 21,376 12/31/26 1,518,424 29,618 6,812 22,806 130.571% 29,779 107 29,672 2,967 26,705 21,383 12/31/27 1,563,977 30,530 6,812 23,718 130.571% 30,968 ill 30,857 3,086 27,771 21,381 12/31/28 1,610,896 31,468 6,812 24,656 130.571% 32,194 116 32,078 3,208 28,870 21,373 12/31/29 1,659,223 32,434 6,812 25,622 130.571% 33,456 120 33,336 3,334 30,002 21,356 12/31 /30 1,709,000 33,430 6,812 26,618 130.571% 34,755 125 34,630 3,463 31,167 21,332 $269,050 1 $967 $268,083 $26,809 1 $241,274 1 $192,196 (1) value based on estimate provided by City for the anticipated construction of newbusinesses and possible existing business expansions (2) tax capacity based on commercial -industrial class rate of 1.50% for first $150,000 of value and 2% for value above $150,000 (3) original net tax capacity mall be based on existing land and building values and commercial -industrial class rate for payable 2021 (4) combined local tax capacity rate of City of Elk River, ISD 728 and Sherburne County for payable 2020 City of Elk River, Minnesota Tax Increment Financing (Economic Development) District No. 26 Shoot Steel, INC Draft TIF Plan Exhibits Note Date: Note Rate: Amount: Date (1) 02/01/21 4.00% $190,000 Principal (2) Interest (3) P & I (4) Semi -Annual Net Revenue (5) Capitalized Interest (6) Loan Balance Outstanding (7) 190, 000.00 02/01/21 0.00 0.00 0.00 0.00 0.00 190,000.00 08/01 /21 0.00 0.00 0.00 0.00 3,800.00 193, 800.00 02/01/22 0.00 0.00 0.00 0.00 3,876.00 197,676.00 08/01/22 7,415.98 3,953.52 11,369.50 11,369.50 0.00 190,260.02 02/01 /23 7,564.30 3,805.20 11, 369.50 11, 369.50 0.00 182, 695.72 08/01 /23 8,190.09 3,653.91 11, 844.00 11, 844.00 0.00 174, 505.63 02/01/24 8,353.89 3,490.11 11,844.00 11,844.00 0.00 166,151.74 08/01/24 9,008.47 3,323.03 12,331.50 12,331.50 0.00 157,143.27 02/01/25 9,188.63 3,142.87 12,331.50 12,331.50 0.00 147,954.64 08/01/25 9,875.41 2,959.09 12,834.50 12,834.50 0.00 138,079.23 02/01 /26 10, 072.92 2,761.58 12, 834.50 12, 834.50 0.00 128, 006.31 08/01/26 10,792.37 2,560.13 13,352.50 13,352.50 0.00 117,213.94 02/01/27 11,008.22 2,344.28 13,352.50 13,352.50 0.00 106,205.72 08/01/27 11,761.39 2,124.11 13,885.50 13,885.50 0.00 94,444.33 02/01 /28 11, 996.61 1,888.89 13, 885.50 13, 885.50 0.00 82, 447.72 08/01/28 12,786.05 1,648.95 14,435.00 14,435.00 0.00 69,661.67 02/01/29 13,041.77 1,393.23 14,435.00 14,435.00 0.00 56,619.90 08/01 /29 13, 868.60 1,132.40 15, 001.00 15, 001.00 0.00 42, 751.30 02/01/30 14,145.97 855.03 15,001.00 15,001.00 0.00 28,605.33 08/01 /30 15, 011.39 572.11 15, 583.50 15, 583.50 0.00 13, 593.94 02/01/31 13,593.94 271.88 13,865.82 13,865.82 0.00 0.00 08/01 /31 0.00 0.00 0.00 0.00 0.00 0.00 02/01 /32 0.00 0.00 0.00 0.00 0.00 0.00 08/01 /32 0.00 0.00 0.00 0.00 0.00 0.00 02/01/33 0.00 0.00 0.00 0.00 0.00 0.00 08/01 /33 0.00 0.00 0.00 0.00 0.00 0.00 02/01 /34 0.00 0.00 0.00 0.00 0.00 0.00 08/01 /34 0.00 0.00 0.00 0.00 0.00 0.00 02/01 /35 0.00 0.00 0.00 0.00 0.00 0.00 08/01 /35 0.00 0.00 0.00 0.00 0.00 0.00 02/01 /36 0.00 0.00 0.00 0.00 0.00 0.00 $197,676 $41,880.32 $239,556.32 $239,556.32 $7,676.00 Surplus Tax Increment 1,717.68 Total Net Revenue $241,274.00 Ells River Request for Action To Item Number Economic Development Authori 6.1 Agenda Section Meeting Date Prepared by Consent September 21, 2020 Amanda Othoudt, ED Director Item Description Reviewed by Sale of 17565 Tyler Street NW, Northstar Business Cal Portner, City Administrator Reviewed by Park and TIF Request Action Requested Open Public Hearing to consider the sale of EDA property located at 17565 Tyler Street NW and invite public comment. 2. Close the Public Hearing. 3. Approve, by motion, a resolution approving the purchase agreement and conveyance of the property located at 17565 Tyler Street NW, Northstar Business Park. 4. Review TIF Plan and application for assistance and provide a recommendation to the City Council. Background/Discussion The EDA has received a purchase agreement for 17565 Tyler Street, NW from Shoot Steel, Inc. of Ramsey, MN. They manufacture AR500 and AR550 steel targets, target stands, and other valuable range equipment. The purchase agreement proposes the purchase of a 4.34-acre lot at of $2.00 per square foot for a total of $378,100. Shoot Steel will provide $20,000 earnest funds and will be credited against the purchase price. They propose to relocate 7 FT and 1 PT employees and hire 6-7FT employees over the next two years. The positions will pay a minimum of $18 per hour depending on skill level. At their August 17, 2020, meeting, the EDA approved the purchase agreement contingent on the EDA holding a public hearing on September 21, 2020, and making the requisite findings required by Minnesota Statutes Section 469.105, subdivision 2 that the sale and conveyance of the property to the buyer are in the best interests of the city and the transaction furthers the EDA's general plan of economic development. Shoot Steel also indicated their intention to apply for incentives through the EDA and have applied for Tax Increment Financing to fund a portion of the acquisition and infrastructure improvement costs necessary to proceed. The purchase agreement has been amended to include contingencies to address public financing. The developer's proposed financial package includes long-term, private financing of $1,259,050 from Village Bank, $1,036,000 in SBA financing, $200,000 from a private investor and $98,258 in owner equity for a total estimated budget of $2,993,308. There is an identified gap of $400,000. The Elk River Vision A welcoming community nrith revolutionary and spirited resourcefulness, exceptional p p W E R E 0 e r service, and community engagement that encourages and inspires prosperity IWATUR This project is estimated to generate $269,050 in total gross tax increment over 9 years, the maximum term for an Economic Development District. The total net amount available for this project is $241,274 or 90 percent, with the city retaining 10 percent for administrative expenses over the term of the district. The present value of the increment generated considering a 4% interest rate is $192,196. The applicant has committed to filling the remaining gap of approximately $210,000 through additional equity contributions. The developer is proposing a pay-as-you-go method for eligible costs as reimbursement from the city to construct their new facility. At their September 16, 2020, meeting, the Joint Finance Committee recommended approval of a tax increment financing package for Shoot Steel, Inc. in the amount of $190,000 subject to the creation of the TIF District. Financial Impact N/A Attachments ■ Joint Finance Committee Packet (September 16, 2020) ■ Purchase Agreement (Amended September 16, 2020) ■ Notice of Public Hearing ■ Resolution ■ TIF Plan for TIF District No. 26 PURCHASE AGREEMENT 1. PARTIES. This Purchase Agreement (this "Agreement'') is made on this day of 202095 (the "Effective Date"), by and between the Elk River Economic Development Authority, a Minnesota body corporate and politic (the "EDA") and Shoot Steel, Inc., a Minnesota corporation (the `Buyer"). 2. SALE OF PROPERTY. The EDA agrees to sell to the Buyer and the Buyer agrees to buy from the EDA, the real estate located at: 17565 Tyler Street in the City of Elk River, Sherburne County, Minnesota, legally described on the attached Exhibit A (the "Property"). 3. PURCHASE PRICE AND MANNER OF PAYMENT. The Buyer shall pay the EDA $378,100 dollars for the Property (the "Purchase Price"). Upon approval and execution of this Agreement by the Buyer and the EDA, the Buyer shall deposit $20,000.00 in earnest money to be held by the Buyer's title company in an escrow account. Said earnest money shall be deducted from the Purchase Price at Closing. 4. OBLIGATIONS OF THE EDA. The EDA shall provide the following documentation: 4.1. Representations and Warranties. The representations and warranties of the EDA contained in this Agreement must be true now and on the Closing Date in all material respects as if made on the Closing Date and the EDA shall have delivered to the Buyer on the Closing Date, a certificate dated the Closing Date, signed by an authorized representative of the EDA, certifying that such representations and warranties are true as of the Closing Date in all material respects (the "Closing Certificate"). 4.2. Title. Title to the Property shall have been found marketable, or been made marketable, in accordance with the requirements and terms of Section 8 below. 4.3. Performance of the EDA's Obligations. The EDA shall have performed all of the obligations required to be performed by the EDA under this Agreement in all material respects. Included within the obligations of the EDA under this Agreement shall be the following: 4.3.1. The EDA agrees to cooperate with the Buyer as reasonably necessary to permit the Buyer to investigate the Property. 4.3.2. The EDA shall deliver to the Buyer the Title Evidence required in Section 8 10 days from the Effective Date of this agreement. 4.3.2 The EDA shall deliver to the Buyer copies of all surveys, the plat, civil plans, soils reports, environmental reports (including all investigations performed on the Property in the last five years), and title work relating to the Property which are in the EDA's possession or control within ten (10) days from the Effective Date of this Agreement. 457530v2 SJS EL185-33 5. CONTINGENCIES WHICH MUST BE EXERCISED BY WRITTEN NOTICE TO THE EDA ON OR BEFORE 120 DAYS OF THE EFFECTIVE DATE OF THIS AGREEEMENT (THE "CONTINGENCY DATE"): 5.1. Buyer's Contingencies. 5.1.1. Testing. The Buyer shall have determined that the Buyer is satisfied with the results of, and matters disclosed by, any environmental site assessments (including a Phase I and Phase II if necessary), soil tests, surveys, engineering inspections, hazardous substances and environmental reviews of the Property, all such tests, assessments, inspections and reviews to be obtained at the Buyer's sole cost and expense. a. The Buyer shall pay all costs and expenses of such investigation and testing and shall promptly repair and restore any damage to the Property caused by the Buyer's testing and return the Property to substantially the same condition as existed prior to entry. The Buyer shall indemnify, defend and hold the EDA harmless from any claim for damage to person or property arising from any investigation or inspection of the Property conducted by the Buyer, the Buyer's agents or contractors, including the cost of attorneys' fees. b. Copies of any written reports, studies or test results obtained by the Buyer in connection with the Buyer's inspection of the Property or investigation relating to the Property shall be delivered to the EDA promptly upon receipt of the same at no cost to the EDA. 5.1.2. Land Use Approvals. The Buyer shall have obtained, at the Buyer's sole cost and expense, on or before the Contingency Date, all consents, agreements, approvals, easements, licenses and adequate assurances that are legally necessary for the Buyer to use the Property as intended, including, but not limited to, land use approvals from the City of Elk River. 5.1.3 Financing. The Buyer shall have obtained suitable financing in a form and amount acceptable to the Buyer in its sole discretion. 5.1.4 Tax Increment. The City of Elk River (the "City") shall have approved the establishment of an economic development tax increment financing district after a public hearing and upon satisfaction of all other conditions required by Minnesota Statutes Sections 469.174 through 469.1794 prior to the Closing Date. 5.1.5 Development Agreement. The Buyer and the City shall have negotiated, mutually agreed to, and executed, effective not later than the Closing Date, a 457530v2 SJS EL185-33 development agreement relating to the provision of tax increment financing assistance for the proposed project to be constructed on the Property. 5.2. EDA's Contingencies. 5.2.1. Determination by the EDA after a holding a public hearing required by Minnesota Statutes Section 469.105, subdivision 2 that the sale and conveyance of the Property to the Buyer are in the best interests of the City of Elk River and its people, and that the transaction furthers the EDA's general plan of economic development. 5.2.2. Tax Increment. The City of Elk River (the "City") shall have approved the establishment of an economic development tax increment financing district after a public hearing and upon satisfaction of all other conditions required by Minnesota Statutes Sections 469.174 through 469.1794 prior to the Closing Date. 5.2.3. Development Agreement. The Buyer and the City shall have negotiated, mutually agreed to, and executed, effective not later than the Closing Date, a development agreement relating to the provision of tax increment financing assistance for the proposed project to be constructed on the Property. If, on or before the Contingency Date, either party determines that any of their respective contingencies listed in this Section have not been satisfied in their sole discretion, then this Agreement may be terminated by written notice from the party to the other, which notice must give no later than the Contingency Date. If the party does not give written notice of termination on or before the Contingency Date, all of such contingencies will be deemed to have been satisfied and the parties shall proceed to close this transaction in accordance with the terms of this Agreement. All of the contingencies set forth in this Agreement are specifically stated and agreed to be for the sole and exclusive benefit of the respective party and each party shall have the right to unilaterally waive any of its contingencies by written notice to the other party. If this Agreement is terminated by either party in accordance with this Section, the EDA shall return the Buyer's earnest money to the Buyer and neither party shall have any further rights or obligations regarding this Agreement or the Property. The Buyer may extend the Contingency Date by an additional 60 days by notifying the EDA in writing and depositing into an escrow account held by the Buyer's title company an additional $5,000 in nonrefundable earnest money prior to the expiration of the original Contingency Date. The nonrefundable earnest money shall be applied to the Purchase Price at Closing. 6. CLOSING. The closing of the purchase and sale contemplated by this Agreement (the "Closing") shall occur on or before 30 days after the Contingency Date or its extension if such an extension is requested by the Buyer or such other date on which the parties may agree (the "Closing Date"). The EDA agrees to deliver possession of the Property to the Buyer on the Closing Date. 457530v2 SJS EL185-33 6.1. EDA's Closing Documents. On the Closing Date, the EDA shall execute and deliver to the Buyer the following (collectively, "EDA's Closing Documents"), all in form and content reasonably satisfactory to the EDA and the Buyer: 6.1.1. Deed. A quit claim deed conveying the Property to the Buyer. Said quit claim deed shall contain a covenant running with the Property that the building on the Property must be constructed and completed within one year from the date of the deed or the Property will automatically revert back to the EDA. 6.1.2. Seller's Affidavit. An Affidavit of Title by the EDA stating that on the Closing Date there are no outstanding, unsatisfied judgments, tax liens or bankruptcies against or involving the EDA or the Property; that there has been no skill, labor or material furnished to the Property for which payment has not been made or for which mechanics' liens could be filed; and that there are no other unrecorded instruments affecting the Property, together with whatever standard owner's affidavit (ALTA form) which may be required by the Title Company to issue an Owner's Policy of Title Insurance with the standard exceptions waived. 6.1.3. Original Documents. Original copies of any surveys, plans and records in the EDA's possession. 6.1.4. FIRPTA Affidavit. A non -foreign affidavit, properly executed, containing such information as is required by the Internal Revenue Code Section 1445(b)(2) and its regulations. 6.1.5. Other Documents. Any other documents reasonably required in order to complete the transaction contemplated by this Agreement. 6.2. Buyer's Closing Documents. On the Closing Date, the Buyer shall execute, as appropriate and deliver to the EDA the following (collectively, "Buyer's Closing Documents"): 6.2.1. Purchase Price. The Purchase Price in good funds (certified or cashier's check or wire transfer). 6.2.2. Other Documents. Such affidavits of Purchaser, Certificates of Value or other documents as may be reasonably required in order to complete the transaction contemplated by this Agreement. 7. PRORATIONS. The EDA and the Buyer agree to the following proration and allocation of costs regarding this Agreement: 7.1. Title Insurance and Closing Fees. The EDA shall pay the cost of the title insurance commitment, including any associated title examination and search charges. Oe 457530v2 SJS EL185-33 Buyer shall pay the cost of any title insurance or endorsement premiums.) The parties CammeMed [ail: en°r these niri�ur ile sever°s expenses? shall split any closing fee charged by the title company. 7.2. Real Estate Taxes and Special Assessments. The EDA shall pay the state deed tax. The EDA shall also pay, on or before the Closing Date, all levied special assessments, constituting a lien against the Property as of the effective date, including, without limitation, any installments of special assessments that are payable with general real estate taxes in the year in which Closing occurs. Any general real estate taxes payable in all years prior to the year in which the Closing occurs shall be paid by the EDA. Any general real estate taxes payable in the year in which Closing occurs shall be prorated between the Buyer and the EDA as of the date of Closing. 7.3. Recording Costs. The EDA shall pay the cost of recording all documents necessary to vest marketable title in the EDA and cure title objections, if any. The Buyer shall pay the cost of recording all other documents, including, but not limited to, the quit claim deed. 7.4. Attorneys' Fees. Each of the parties shall pay its own attorneys' fees. 7.5. Brokers' Fees. The Buyer is represented by Richard Lee of Premier Commercial Properties, LLC (the `Buyer's Broker"). Brokerage fees of three percent of the Purchase Price shall be paid to the Buyer's Broker by the EDA at Closing. The Buyer confirms that no other brokers are representing it in this transaction. The EDA represents that it is not represented by a broker in this transaction. 8. TITLE EXADIINATION. Title examination shall be conducted as follows: 8.1. EDA's Title Evidence. Within 10 days of the Effective Date, the EDA shall furnish the following (collectively, "Title Evidence") to the Buyer. 8.1.1. Title Commitment. A title insurance commitment for the Property. The Buyer shall be responsible for selecting the title insurance company. 8.1.2. Survey. A copy of any existing land survey of the Property in the EDA's possession or control. The Buyer, at the Buyer's option, also may obtain, at the Buyer's expense, a new survey of the Property. Any new survey shall be certified and delivered to the EDA as well as the Buyer and any other parties that the Buyer may designate. 8.2. Buyer's Objections. No later than 14 days after receiving the updated Title Commitment, the Buyer must make written objections ("Objections") to the marketability of title to the Property based on the Title Evidence. If the Buyer elects to obtain a new survey, objections based upon the survey must be made within 14 days after receipt of said survey but in no event later than the Contingency Date. The Buyer's failure to make Objections within such time period will constitute a waiver of Objections. However, any matter which is not referenced in the title commitment 457530v2 SJS EL185-33 and is first recorded, discovered or disclosed after the effective date of the title commitment, may be objected to by the Buyer in the manner described herein. If not sooner satisfied, the EDA shall cause the Property to be released from any mortgages or other liens against the Property at the closing. Any matter shown on such Title Evidence, other than a mortgage or other lien and not objected to by the Buyer shall be a "Permitted Encumbrance" hereunder. Within seven days after receipt of the Buyer's Objections, the EDA shall notify the Buyer in writing if the EDA elects not to cure the Objections. If such notice is given within said seven-day period, the Buyer may either waive the Objections or terminate this Agreement by giving written notice of termination to the EDA within 10 days after the EDA's notice is given to the Buyer. If written notice by the EDA is not given within the 10-day period, the EDA shall use commercially reasonable efforts to correct any Objections within 30 days after the expiration of the 10-day period ("Cure Period"). If the Title Company is willing to issue a title insurance policy to the Buyer that does not except from title insurance coverage an item the Buyer has objected to, the objection relating to such item shall be deemed cured. If the Objections are not cured within the Cure Period, the Buyer shall have the option to do any of the following: 8.2.1. Terminate this Agreement by giving written notice to the EDA within 10 days after the expiration of the Cure Period and neither the EDA nor the Buyer shall have further rights or obligations hereunder. In such event the EDA shall return all earnest money to the Buyer. 8.2.2. Waive the objections and proceed to close without reduction in the Purchase Price. The Buyer shall make the election within 10 days after expiration of the EDA's Cure Period. A failure to make an election within such period shall be deemed an election to proceed to close pursuant to subsection 8.2.2. 9. REPRESENTATIONS AND WARRANTIES BY THE EDA. The EDA represents and warrants to the Buyer that the following are true in all material respects now and, as modified by any changes about which the EDA notifies the Buyer in writing following after the date hereof, will be true in all material respects on the Closing Date: 9.1. Authori1y. The EDA is a public body corporate and politic, duly created under and subject to the laws of the State of Minnesota; the EDA has the requisite power and authority to enter into and perform this Agreement and those EDA Closing Documents signed by it; such documents have been or will be duly authorized by all necessary action on the part of the EDA and have been or will be duly executed and delivered; such execution, delivery and performance by the EDA of such documents does not conflict with or result in a violation of any judgment, order, or decree of any court or arbiter to which the EDA is a party; such documents are valid and binding obligations of the EDA, and are enforceable in accordance with their terms, subject to bankruptcy, reorganization, insolvency, moratorium and other laws affecting the rights and remedies of creditors generally and principles of equity. 457530v2 SJS EL185-33 9.2. Utilities. The EDA has received no notice of actual or threatened curtailment of any utility service now supplied to the Property. 9.3. Rights of Others to Purchase the Property. The EDA has not entered into any other contracts for the sale of the Property, nor are there any rights of first refusal or options to purchase the Property or any other rights of others that might prevent the sale of the Property contemplated by this Agreement. 9.4. Use of the Property. To the best of the EDA's knowledge without investigation, the Property is usable for its current uses without violating any federal, state, local or other governmental building, zoning, health, safety, platting, subdivision or other law, ordinance or regulation, or any applicable private restriction. 9.5. Proceedings. There is no action, litigation, investigation, condemnation or proceeding of any kind pending or, to the best of the EDA's knowledge without investigation, threatened against the EDA with respect to the Property or any portion of the Property. 9.6. Wells. No wells exist on the Property. 9.7. Sewage Treatment Systems. No sewage treatment system exists on the Property. 9.8. Title. The EDA owns fee title to the Property. The EDA's representations shall be true, accurate and complete as of the date of this Agreement, in all material respects and, as modified by any notices given by the EDA to the Buyer, on the Closing Date in all material respects. If any time prior to Closing, the Buyer shall determine that any representation herein made by the EDA was not true in all material respects when made, the Buyer's sole remedy shall be to terminate this Agreement by giving notice to the EDA and seeking any applicable remedies for breach from the EDA. The earnest money paid by the Buyer shall be returned to the Buyer. Notwithstanding the above paragraph, all representations and warranties shall terminate on the Closing Date. Any claim by the Buyer not made by written notice delivered to the EDA before the date the representation or warranty terminates shall be deemed waived. 10. "AS IS, WHERE IS." The Buyer acknowledges that the Buyer has inspected or has had the opportunity to inspect the Property and agrees to accept the Property "AS IS" with no right of set off or reduction in the Purchase Price. Such sale shall be without representation of warranties, express or implied, either oral or written, made by the EDA or any official, employee or agent of the EDA with respect to the physical condition of the Property, including but not limited to, the existence or absence of petroleum, hazardous substances, pollutants or contaminants in, on, or under, or affecting the Property or with respect to the compliance of the Property or its operation with any laws, ordinances, or regulations of any government or other body, except as stated above. The Buyer acknowledges and agrees that the EDA has not made and does not make any representations, warranties, or covenants of any kind or character whatsoever, whether expressed or implied, with respect to warranty of income potential, operating expenses, uses, habitability, tenant ability, or suitability for any purpose, merchantability, or fitness of the Property for a particular purpose, all of 45753M SJS EL185-33 which warranties EDA hereby expressly disclaims, except as stated above. The Buyer is relying entirely upon information and knowledge obtained from the Buyer's own investigation, experience and knowledge obtained from the Buyer's own investigation, experience or personal inspection of the Property. The Buyer expressly assumes, at closing, all environmental and other liabilities with respect to the Property and release and indemnify the EDA from same, whether such liability is imposed by statute or derived from common law including, but not limited to, liabilities arising under the Comprehensive Environmental Response, Compensation and Liability Act ("CERCLA"), the Hazardous and Solid Waste Amendments Act, the Resource Conservation and Recovery Act ("RCRA"), the federal Water Pollution Control Act, the Safe Drinking Water Act, the Toxic Substances Act, the Superfund Amendments and Reauthorization Act, the Toxic Substances Control Act and the Hazardous Materials Transportation Act, all as amended, and all other comparable federal, state or local environmental conservation or protection laws, rules or regulations. The foregoing assumption and release shall survive Closing. All statements of fact or disclosures, if any, made in this Agreement or in connection with this Agreement, do not constitute warranties or representations of any nature. The foregoing provision shall survive Closing and shall not be deemed merged into any instrument of conveyance delivered at Closing. 11. REPRESENTATIONS AND WARRANTIES BY THE BUYER. The Buyer represents and warrants to the EDA that the Buyer is a Minnesota corporation; that the Buyer has the requisite capacity, power and authority to enter into this Agreement and the Buyer's Closing Documents; such execution, delivery and performance by the Buyer of such documents does not conflict with or result in a violation of any judgment, order or decree of any court or arbiter to which the Buyer is a party; such documents are valid and binding obligations of the Buyer, and are enforceable in accordance with their terms. 12. CONDEMNATION. If, prior to the Closing, eminent domain proceedings are commenced against all or any material part of the Property, the EDA shall immediately give notice to the Buyer of such fact and at the Buyer's option (to be exercised within 15 days after the EDA's notice), this Agreement shall terminate, in which event neither party will have further obligations under this Agreement. The earnest money paid by the Buyer shall be returned to the Buyer. If the Buyer fails to give such notice, then there shall be no reduction in the Purchase Price, and the EDA shall assign to the Buyer at the Closing all of EDA's right, title and interest in and to any award made or to be made in the condemnation proceedings. Prior to the Closing, the EDA shall not designate counsel, appear in, or otherwise act with respect to the condemnation proceedings without the Buyer's prior written consent. For purposes of this section, the words "a material part" means a part if acquired by a condemning authority would materially hinder Buyer's operations on the Property. 13. COMMISSIONS. With the exception of the Buyer's Broker, both the Buyer and the EDA represent that they have not entered into a contract with any other real estate broker, whereby the broker is entitled to a commission resulting from the transaction contemplated by this Agreement. Each party agrees to indemnify, defend and hold harmless the other party against any claim made by a real estate broker for a commission or fee based on alleged acts or agreements with the indemnifying party. 14. REMEDIES. 457530v2 SJS EL185-33 14.1. Buyer's Remedies. If the EDA fails to consummate this Agreement for any reason except the Buyer's default or the termination of this Agreement pursuant to a right to terminate given herein, the Buyer, as its sole and exclusive remedy, terminate this Agreement by giving 30 days' written notice to the EDA, pursuant to Minnesota Statutes Section 559.21, as amended from time to time, in which event the earnest money shall be promptly released to the Buyer and upon such release, neither party shall be further obligated to the other (except for the Buyer's and the EDA's indemnities set forth in this Agreement). The Buyer specifically waives any right to make a claim against the EDA for compensatory or consequential damages or any other type of monetary claim, except for the indemnity obligations set forth in this Agreement. 14.2. EDA's Remedy. If the Buyer fails to consummate this Agreement for any reason except the EDA's default or the termination of this Agreement pursuant to a right to terminate given herein, the EDA's sole and exclusive remedy shall be to terminate this Agreement by giving 30 days' written notice to the Buyer, pursuant to Minnesota Statutes Section 559.21, as amended from time to time, in which case, the earnest money shall be retained by the EDA. 14.3 Indemnification Remedy. Notwithstanding the foregoing provisions of this Section 14, in the event of any default by the Buyer or the EDA under or in connection with any indemnification pursuant to this Agreement, and in the event of any failure by the defaulting party to cure such default within 30 days after the date of notice of default by the non -defaulting party to the defaulting party, the non - defaulting party shall be entitled to seek and recover all legal and equitable relief available under applicable law, including, without limitation, monetary damages. 15. ASSIGNMENT. The Buyer may not assign the Buyer's rights under this Agreement, without prior consent of the EDA. 16. SURVIVAL. All of the terms of this Agreement and warranties and representations herein contained shall survive and be enforceable after the Closing. 17. NOTICES. Any notice required or permitted hereunder shall be given by personal delivery upon an authorized representative of a party hereto; or if mailed by United States mail postage prepaid; or if transmitted by facsimile copy followed by mailed notice; or if deposited cost paid with a nationally recognized, reputable overnight courier, properly addressed as follows: If to the EDA: Elk River Economic Development Authority Attn: Executive Director 13065 Orono Parkway Elk River, MN 55330 If to the Buyer: Shoot Steel, Inc. Attn: Evan Moyer 32428 N Center Lane Center City, M 55012-5501 457530v2 SJS EL185-33 Notices shall be deemed effective on the earlier of the date of receipt or the date of deposit, as aforesaid; provided, however, that if notice is given by deposit, the time for response to any notice by the other party shall commence to run one business day after any such deposit. Any party may change its address for the service of notice by giving notice of such change 10 days prior to the effective date of such change. 18. CAPTIONS. The paragraph headings or captions appearing in this Agreement are for convenience only, are not a part of this Agreement and are not to be considered in interpreting this Agreement. 19. ENTIRE AGREEMENT, MODIFICATIONS. This written Agreement constitutes the complete agreement between the parties and supersedes any prior oral or written agreements between the parties regarding the Property. There are no verbal agreements that change this Agreement and no waiver of any of its terms will be effective unless in a writing executed by the parties. 20. BINDING EFFECT. This Agreement binds and benefits the parties and their successors and assigns. 21. CONTROLLING LAW. This Agreement has been made under the substantive laws of the State of Minnesota, and such laws shall control its interpretation. 457530v2 SJS EL185-33 10 BUYER SHOOT STEEL, INC. By Its: SELLER ELK RIVER ECONOMIC DEVELOPMENT AUTHORITY By: Its: President By: Its: Executive Director 457530v2 SJS EL185-33 I I EXHIBIT A Legal Description of the Property Lot 1, Block 2, Northstar Business Park, according to the recorded plat thereof, Sherburne County, Mimiesota. PID 75-757-0205 457530v2 SJS EL185-33 NOTICE OF PUBLIC HEARING ECONOMIC DEVELOPMENT AUTHORITY FOR THE CITY OF ELK RIVER, MINNESOTA Notice is hereby given that the Board of Commissioners of the Economic Development Authority for the City of Elk River, Minnesota (the "EDA") will meet at or after 5:30 p.m. on September 21, 2020, at the Elk River City Hall, 13065 Orono Parkway, Elk River, Minnesota, to conduct a public hearing on the proposed sale of real property owned by the EDA and located at 17565 Tyler Street in the City of Elk River, Sherburne County, Minnesota to Shoot Steel, Inc. The property is legally described as: Lot 1, Block 2, Northstar Business Park, according to the recorded plat thereof, Sherburne County, Minnesota. PID 75-757-0205 (the "Property") A copy of all documents relating to the proposed sale of the Property will be on file and available for inspection at City Hall during regular business hours. Any person wishing to express an opinion on the matters to be considered at the public hearing will be heard. PLEASE NOTE, due to COVID-19, the public hearing may be conducted via telephone or other electronic means as allowed under Minnesota Statutes, Section 13D.021. Please refer to the City's website at https://www.elkrivermn.gov/ or call City Hall at 763-635-1000 to learn how to attend and participate in the public hearing via telephone or electronically. ECONOMIC DEVELOPMENT AUTHORITY OF THE CITY OF ELK RIVER COUNTY OF SHERBURNE STATE OF MINNESOTA RESOLUTION NO. 2020- RATIFYING THE APPROVAL OF A PURCHASE AGREEMENT AND CONVEYANCE OF THE PROPERTY LOCATED AT 17565 TYLER STREET, ELK RIVER, MN TO SHOOT STEEL, INC. BE IT RESOLVED By the Board of Commissioners of the Economic Development Authority of the City of Elk River (the "Authority") as follows: Section 1. Recitals. 1.01. The Authority is authorized pursuant to Minnesota Statutes, Sections 469.090 to 469.1081 (the "EDA Act"), to acquire and convey real property and to undertake certain activities to facilitate the development of real property by private enterprise. 1.02. On , 2020, the Authority approved that certain Purchase Agreement with Shoot Steel, Inc. ("Shoot Steel") to allow Shoot Steel to purchase the property owned by the Authority that is legally described as: Lot 1, Block 2, Northstar Business Park, according to the recorded plat thereof, Sherburne County, Minnesota (the "Property") 1.03. The Authority has on this date conducted a duly noticed public hearing regarding the sale of the Property to Shoot Steel, at which all interested persons were given an opportunity to be heard. 1.04. The Authority finds and determines that the conveyance of the Property to Shoot Steel is in the public interest and will further the objectives of its general plan of economic development because it will provide an opportunity for increased business and job opportunities in the City and could serve as an impetus for further development. Section 2. AuthorityApproval, Further Proceedings. 2.01. The Board hereby ratifies its approval of the Purchase Agreement to Shoot Steel that was made on 52020. 2.02. Authority staff and officials are authorized to take all actions necessary to perform the Authority's obligations under the Purchase Agreement as a whole, including, without limitation, execution of any documents necessary to which the Authority is a party referenced in or attached to the Purchase Agreement, and any deed or other documents necessary to convey the Property to Shoot Steel, all as described in the Purchase Agreement. Approved by the Board of Commissioners of the Economic Development Authority of the City of Elk River this day of 12020. President ATTEST: Executive Director CC bakertilly Tax Increment Financing Plan for Tax Increment Financing (Economic Development) District No. 26 within Development District No. 1 (Shoot Steel, INC Project) City of Elk River, Minnesota Prepared by Baker Tilly Municipal Advisors, LLC Draft Dated: September 4, 2020 Anticipated Public Hearing: October 5, 2020 Anticipated Approval by City Council: October 5, 2020 Baker Tilly Municipal Advisors, LLC is a registered municipal advisor and wholly -owned subsidiary of Baker Tilly Virchow Krause, LLP, an accounting firm. Baker Tilly Virchow Krause, LLP trading as Baker Tilly is a member of the global network of Baker Tilly International Ltd., the members of which are separate and independent legal entities. TABLE OF CONTENTS Section Page(s) A. Definitions................................................................................................................................... 1 B. Statutory Authorization............................................................................................................... 1 C. Statement of Need and Public Purpose..................................................................................... 2 D. Statement of Objectives............................................................................................................. 2 E. Designation of Tax Increment Financing District as an Economic Development District............................................................................................... 2 F. Duration of the TIF District......................................................................................................... 3 G. Property to be Included in the TIF District.................................................................................. 3 H. Property to be Acquired in the TIF District................................................................................. 3 I. Specific Development Expected to Occur Within the TIF District .............................................. 3 J. Findings and Need for Tax Increment Financing....................................................................... 3 K. Estimated Public Costs.............................................................................................................. 5 L. Estimated Sources of Revenue.................................................................................................. 5 M. Estimated Amount of Bonded Indebtedness.............................................................................. 6 N. Original Net Tax Capacity.......................................................................................................... 6 O. Original Tax Capacity Rate........................................................................................................ 6 P. Projected Retained Captured Net Tax Capacity and Projected Tax Increment ......................... 7 Q. Use of Tax Increment................................................................................................................. 7 R. Excess Tax Increment................................................................................................................ 8 S. Tax Increment Pooling and the Five -Year Rule......................................................................... 9 T. Limitation on Administrative Expenses...................................................................................... 9 U. Limitation on Property Not Subject to Improvements - Four Year Rule ..................................... 10 V. Estimated Impact on Other Taxing Jurisdictions........................................................................ 10 W. Prior Planned Improvements...................................................................................................... 11 X. Development Agreements.......................................................................................................... 11 Y. Assessment Agreements........................................................................................................... 11 Z. Modifications of the Tax Increment Financing Plan................................................................... 11 AA. Administration of the Tax Increment Financing Plan................................................................. 12 AB. Financial Reporting and Disclosure Requirements.................................................................... 13 Map of the Tax Increment Financing District........................................................................ EXHIBIT I AssumptionsReport.............................................................................................................. EXHIBIT II Projected Tax Increment Report........................................................................................... EXHIBIT III Estimated Impact on Other Taxing Jurisdictions Report ....................................................... EXHIBIT IV Market Value Analysis Report............................................................................................... EXHIBIT V City of Elk River, Minnesota SECTION I — MODIFICATION TO THE DEVELOPMENT PROGRAM FOR DEVELOPMENT DISTRICT NO. 1 Foreword The following text represents a Modification to the Development Program for Development District No. 1. This modification represents a continuation of the goals and objectives set forth in the Development Program for Development District No. 1. The changes generally include the establishment of Tax Increment Financing (Economic Development) District No. 26. For further information, a review of the Development Program for Development District No. 1 is recommended. It is available from the City Administrator at the City of Elk River. Other relevant information is contained in the Tax Increment Financing Plans for the Tax Increment Financing Districts located within Development District No. 1. SECTION II — ESTABLISHMENT OF THE TAX INCREMENT FINANCING PLAN FOR TAX INCREMENT FINANCING (ECONOMIC DEVELOPMENT) DISTRICT NO. 26 Section A Definitions The terms defined in this section have the meanings given herein, unless the context in which they are used indicates a different meaning: "City„ means the City of Elk River, Minnesota; also referred to as a "Municipality". "City Council" means the City Council of the City. "County" means Sherburne County, Minnesota. "Development District" means Development District No.1 in the City, which is described in the corresponding Development Program. "Development Program" means the Development Program for the Development District. "Project Area" means the geographic area of the Development District. "School District" means Independent School District No. 728, Minnesota. "State" means the State of Minnesota. "TIF Act" means Minnesota Statutes, Sections 469.174 through 469.1794, both inclusive. "TIF District" means Tax Increment Financing (Economic Development) District No. 26. "TIF Plan" means the tax increment financing plan for the TIF District (this document). Section B Statutory Authorization See Section B of the Development Program for the Development District. SPRINGSTED Pagel City of Elk River, Minnesota Section C Statement of Need and Public Purpose See Section C of the Development Program for the Development District. Section D Statement of Objectives See Section D of the Development Program for the Development District. Section E Designation of Tax Increment Financing District as an Economic Development District Economic development districts are a type of tax increment financing district which consist of any project, or portions of a project, which the City finds to be in the public interest because: (1) it will discourage commerce, industry, or manufacturing from moving their operations to another state or municipality; (2) it will result in increased employment in the state; or (3) it will result in preservation and enhancement of the tax base of the state. The TIF District qualifies as an economic development district in that the proposed development described in this TIF Plan (see Section I) meets the criteria listed above in (2) and (3). Without establishment of the TIF District, the proposed development would not occur within the City. The proposed development will also result in increased employment and enhancement of the tax base in both the City and the State. Tax increments from an economic development district must be used to provide improvements, loans, subsidies, grants, interest rate subsidies, or other assistance in which at least 85% of the square footage of the facilities to be constructed are used for any of the following purposes: (1) manufacturing, production, or processing of tangible personal property; (2) warehousing, storage and distribution of tangible personal property, excluding retail sales; (3) research and development related to the activities listed in (1) or (2) above; (4) telemarketing if that activity is the exclusive use of the property; (5) tourism facilities (see M.S. Section 469.174, Subd. 22); (6) space necessary for and related to the activities listed in (1) through (5) above; (7) a workforce housing project that satisfies the requirements of paragraph (d). Tax increments from the TIF District will be used to provide financial assistance to the proposed development (see Section 1), in which over 85% of the square footage of the facilities to be constructed will be used for manufacturing or other purposes as listed in (1) through (7) above. SPRINGSTED Page 2 City of Elk River, Minnesota Section F Duration of the TIF District Economic development districts may remain in existence 8 years from the date of receipt by the City of the first tax increment. The City anticipates that the TIF District will remain in existence the maximum duration allowed by law (projected to be through the year 2030, due to anticipated receipt of first increment in 2022). Modifications of this plan (see Section AA) shall not extend these limitations. Section G Property to be Included in the TIF District The TIF District is an area of land comprising of the parcels listed below that are located within the Project Area. A map showing the boundaries of the TIF District is shown in Exhibit I. Parcel ID Number Legal Description 75-757-0205 1 LOT 1, BLK 2 SUBJ TO EASEMENT OF RECORD The area encompassed by the TIF District shall also include all street or utility right-of-ways located upon or adjacent to the property described above. Section H Property to be Acquired in the TIF District The City may acquire and sell any or all of the property located within the TIF District. It will not be acquiring any property at this time but will be selling the property to the developer to facilitate development. Section I Specific Development Expected to Occur Within the TIF District The proposed project is anticipated to consist of the acquisition of approximately 4.34 acres at 17565 Tyler Street Northwest in the City of Elk River by the developer from the City. The developer is planning to construct an approximate 20,000 square foot warehouse building on the site. The proposed uses of the building include primarily production and operations with a small office portion for operations directly related to the business. The square footage of the business within the District will comply with the requirements of an economic development district with at least 85% being used for a qualifying purpose and less than 15% will be office space. It is anticipated that the City will use the tax increment to finance a portion of the extraordinary acquisition and infrastructure improvement costs that are necessary for this project to proceed. In addition, the city may use tax increment for related administrative expenses, and any other eligible expenditures associated with development of the site that may include additional necessary public improvements. Construction of the project is expected to commence in 2020 and be 100% assessed and on the tax rolls as of January 2, 2021 for taxes payable in 2022. At the time this document was prepared there were no signed construction contracts with regards to the above described development. Section J Findings and Need for Tax Increment Financing In establishing the TIF District, the City makes the following findings: (1) The TIF District qualifies as an economic development district; SPRINGSTED Page 3 City of Elk River, Minnesota See Section E of this document for the reasons and facts supporting this finding. (2) The proposed development, in the opinion of the City, would not reasonably be expected to occur solely through private investment within the reasonably foreseeable future and the increased market value of the site that could reasonably be expected to occur without the use of tax increment financing would be less than the increase in the market value estimated to result from the proposed development after subtracting the present value of the projected tax increments for the maximum duration of the district permitted by the TIF Plan. Factual basis: Proposed development not expected to occur: The proposed development consists of the construction of an approximate 20,000 square foot new warehousing facility. The new facility will be used primarily for warehousing to allow for further business growth and development. The business has requested financial assistance to write down a portion of the acquisition and site improvement costs associated with development of the site. The provided supplemental financial information demonstrates that the development of this site would not occur without the assistance provided in this TIF Plan. Therefore, the City has determined that the proposed development would not occur but for the financial assistance provided in this TIF Plan because of the increased costs related to development within the TIF District. The property requires additional expenditures related to development of the site, including acquisition, site improvements, storm water ponding and winter construction, which currently do not allow development on the property. No higher market value expected: The land located within TIF District No. 26 requires site improvements including site preparation, grading, and landscaping, as well as storm water ponding. To commence construction of the new business facility, assistance with financing a portion of those costs will be necessary. The financial assistance provided under this TIF Plan will help offset the costs of these improvements. Given the nature of this property, there is no reasonable expectation of any development occurring that would generate as much market value increase as is estimated to be generated by the proposed development by the new business. Therefore, the City has concluded that substantial development at this particular site --and hence any significant increase in market value --is not reasonably expected to occur unless the City provides tax increment assistance as described in this Tax Increment Plan. To summarize the basis for the City's findings regarding alternative market value, in accordance with Minnesota Statutes, Section 469.175, Subd. 3(d), the City makes the following determinations: a. The City's estimate of the amount by which the market value of the site will increase without the use of tax increment financing is $0 (for the reasons described above), except some unknown amount of appreciation. b. If the proposed development to be assisted with tax increment occurs in the District, the total increase in market value would be approximately $1,330,900, including the value of the building (See Exhibit II). C. The present value of tax increments from the District for the maximum duration of the district permitted by the TIF Plan is estimated to be $214,321 (See Exhibit V). SPRINGSTED Page 4 City of Elk River, Minnesota d. Even if some development other than the proposed development were to occur, the Council finds that no alternative would occur that would produce a market value increase greater than $1,116,579 (the amount in clause b less the amount in clause c) without tax increment assistance. (3) The TIF Plan will afford maximum opportunity, consistent with the sound needs of the City as a whole, for development of the Project Area by private enterprise. Factual basis: The proposed development is the construction of a new business in the Project Area that is expected to create new jobs in the City and State, plus create new tax base for the City and the state. The development meets the City's economic development goals in terms of land use, job retention, and wage levels. (4) The TIF Plan conforms to general plans for development of the City as a whole. Factual basis: The City Council has determined that the development proposed in the TIF Plan conforms to the City comprehensive plan. Section K Estimated Public Costs The estimated public costs of the TIF District are listed below. Such costs are eligible for reimbursement from tax increments of the TIF District. Estimated Public Costs Estimated Amount Land/Building acquisition $0 Site Improvements/Preparation costs $0 Utilities $0 Other public improvements $241,274 Construction of affordable housing $0 Administrative expenses $26,809 Total Estimated Public Costs $268,083 Interest expenses $0 Total Costs $268,083 The City reserves the right to administratively adjust the amount of any of the items listed above or to incorporate additional eligible items, so long as the total estimated public costs ($268,083) do not increased. The City also reserves the right to fund any of the identified costs with any other legally available revenues, such as grants and/or loans, but anticipates that such costs will be primarily financed with tax increments. Section L Estimated Sources of Revenue Estimated Sources of Revenue Estimated Amount Tax Increment revenue $268,083 Interest on invested funds Total $268,083 SPRINGSTED Page 5 City of Elk River, Minnesota The City anticipates providing financial assistance to the proposed development through pay-as-you-go financing in which the City will provide funding to the developer to offset a portion of the infrastructure fees and collect annual increments to repay the note. As tax increments are collected from the TIF District in future years, a portion will be retained by the City and the remaining funds will be provided as reimbursement for certain identified costs as necessary within the TIF District to assist with financing the public costs incurred (see Section Fn. The City reserves the right to finance any or all public costs of the TIF District using pay-as-you-go assistance, internal funding, general obligation or revenue debt, or any other financing mechanism authorized by law. The City also reserves the right to use other sources of revenue legally applicable to the Project Area to pay for such costs including, but not limited to, special assessments, utility revenues, federal or state funds, and investment income. The projected tax increment report is included as Exhibit III. Section M Estimated Amount of Bonded Indebtedness The maximum principal amount of bonds (as defined in the TIF Act) secured in whole or part with tax increment from the TIF District is $268,083. The City currently plans to finance the improvement costs through pay-as-you-go financing. The City reserves the right to issue an interfund loan or issue bonds in any form, including without limitation any interfund loan with interest not to exceed the maximum permitted under Section 469.178, subd. 7 of the TIF Act. Section N Original Net Tax Capacity The County Auditor shall certify the original net tax capacity of the TIF District. This value will be equal to the total net tax capacity of all property in the TIF District as certified by the State Commissioner of Revenue. For districts certified between January 1 and June 30, inclusive, this value is based on the previous assessment year. For districts certified between July 1 and December 31, inclusive, this value is based on the current assessment year. The Estimated Market Value of all property within the TIF District as of January 2, 2020, for taxes payable in 2021, is $378,100. Upon establishment of the TIF District, it is estimated that the original net tax capacity of the TIF District will be $6,812, upon classification as commercial -industrial. Each year the County Auditor shall certify the amount that the original net tax capacity has increased or decreased as a result of: (1) changes in the tax-exempt status of property; (2) reductions or enlargements of the geographic area of the TIF District; (3) changes due to stipulation agreements or abatements; or (4) changes in property classification rates. Section O Original Tax Capacity Rate The County Auditor shall also certify the original tax capacity rate of the TIF District. This rate shall be the sum of all local tax rates that apply to property in the TIF District. This rate shall be for the same taxes payable year as the original net tax capacity. SPRINGSTED Page 6 City of Elk River, Minnesota In future years, the amount of tax increment generated by the TIF District will be calculated using the lesser of (a) the sum of the current local tax rates at that time or (b) the original tax capacity rate of the TIF District. It is anticipated the request for certification of the District will occur after June 30, 2020 and the local tax rates for taxes levied in 2020 and payable in 2021 will apply. The payable 2021 rates are not available at the time of drafting of the TIF Plan. For purposes of estimating the tax increment generated by the TIF District, the sum of the local tax rates for taxes levied in 2019 and payable in 2020 of 130.571% have been used and are shown below: 2019/2020 Taxing Jurisdiction Local Tax Rate City of Elk River 46.241 % Sherburne County 47.426% ISD 728 34.371 % Other 2.533% Total 130.571 % Section P Projected Retained Captured Net Tax Capacity and Projected Tax Increment The City anticipates that the building construction for all businesses will be completed by December 31, 2020 creating a total tax capacity for TIF District No. 26 of $26,232 as of January 2, 2021. The captured tax capacity as of that date is estimated to be $19,420 and the first full year of tax increment is estimated to be $25,357 payable in 2022. A complete schedule of estimated tax increment from the TIF District is shown in Exhibit III. The estimates shown in this TIF Plan assume that commercial class rates remain at 1.50% of the estimated market value up to $150,000 and 2.0% of the estimated market value over $150,000; and assume 3% annual increase in market values. Each year the County Auditor shall determine the current net tax capacity of all property in the TIF District. To the extent that this total exceeds the original net tax capacity, the difference shall be known as the captured net tax capacity of the TIF District. The County Auditor shall certify to the City the amount of captured net tax capacity each year. The City may choose to retain any or all of this amount. It is the City's intention to retain 100% of the captured net tax capacity of the TIF District. Such amount shall be known as the retained captured net tax capacity of the TIF District. Exhibit II gives a listing of the various information and exhibits contained in this TIF Plan, including Exhibit generated over the anticipated life of the TIF District. Section Q Use of Tax Increment assumptions used in preparing a number of the III which shows the projected tax increment Each year the County Treasurer shall deduct 0.36% of the annual tax increment generated by the TIF District and pay such amount to the State's General Fund. Such amounts will be appropriated to the State Auditor for the cost of financial reporting and auditing of tax increment financing information throughout the state. Exhibit III shows the projected deduction for this purpose over the anticipated life of the TIF District. SPRINGSTED Page 7 City of Elk River, Minnesota The City has determined that it will use 100% of the remaining tax increment generated by the TIF District for any of the following purposes: (1) pay for the estimated public costs of the TIF District (see Section K) and County administrative costs associated with the TIF District (see Section T); (2) pay principal and interest on tax increment bonds or other bonds issued to finance the estimated public costs of the TIF District; (3) accumulate a reserve securing the payment of tax increment bonds or other bonds issued to finance the estimated public costs of the TIF District; (4) pay all or a portion of the county road costs as may be required by the County Board under M.S. Section 469.175, Subdivision 1 a; or (5) return excess tax increments to the County Auditor for redistribution to the City, County and School District. Tax increments from property located in one county must be expended for the direct and primary benefit of a project located within that county, unless both county boards involved waive this requirement. Tax increments shall not be used to circumvent levy limitations applicable to the City. Tax increment shall not be used to finance the acquisition, construction, renovation, operation, or maintenance of a building to be used primarily and regularly for conducting the business of a municipality, county, school district, or any other local unit of government or the State or federal government, or for a commons area used as a public park, or a facility used for social, recreational, or conference purposes. This prohibition does not apply to the construction or renovation of a parking structure or of a privately - owned facility for conference purposes. If there exists any type of agreement or arrangement providing for the developer, or other beneficiary of assistance, to repay all or a portion of the assistance that was paid or financed with tax increments, such payments shall be subject to all of the restrictions imposed on the use of tax increments. Assistance includes sale of property at less than the cost of acquisition or fair market value, grants, ground or other leases at less then fair market rent, interest rate subsidies, utility service connections, roads, or other similar assistance that would otherwise be paid for by the developer or beneficiary. Section R Excess Tax Increment In any year in which the tax increments from the TIF District exceed the amount necessary to pay the estimated public costs authorized by the TIF Plan, the City shall use the excess tax increments to: (1) prepay any outstanding tax increment bonds; (2) discharge the pledge of tax increments thereof; (3) pay amounts into an escrow account dedicated to the payment of the tax increment bonds; or (4) return excess tax increments to the County Auditor for redistribution to the City, County and School District. The County Auditor must report to the Commissioner of Education the amount of any excess tax increment redistributed to the School District within 30 days of such redistribution. SPRINGSTED Page 8 City of Elk River, Minnesota Section S Tax Increment Pooling and the Five -Year Rule At least 80% of the tax increments from the TIF District must be expended on activities within the district or to pay for bonds used to finance the estimated public costs of the TIF District (see Section E for additional restrictions). No more than 20% of the tax increments may be spent on costs outside of the TIF District but within the boundaries of the Project Area, except to pay debt service on credit enhanced bonds. All administrative expenses are considered to have been spent outside of the TIF District. Tax increments are considered to have been spent within the TIF District if such amounts are: (1) actually paid to a third party for activities performed within the TIF District within five years after certification of the district; (2) used to pay bonds that were issued and sold to a third party, the proceeds of which are reasonably expected on the date of issuance to be spent within the later of the five-year period or a reasonable temporary period or are deposited in a reasonably required reserve or replacement fund. (3) used to make payments or reimbursements to a third party under binding contracts for activities performed within the TIF District, which were entered into within five years after certification of the district; or (4) used to reimburse a party for payment of eligible costs (including interest) incurred within five years from certification of the district. Beginning with the sixth year following certification of the TIF District, at least 80% of the tax increments must be used to pay outstanding bonds or make contractual payments obligated within the first five years. When outstanding bonds have been defeased and sufficient money has been set aside to pay for such contractual obligations, the TIF District must be decertified. The City does not anticipate that any tax increments will be spent outside of the TIF District (including allowable administrative expenses); but the City reserves the right to allow for tax increment pooling from the TIF District in the future. Section T Limitation on Administrative Expenses Administrative expenses are defined as all costs of the City other than: (1) amounts paid for the purchase of land; (2) amounts paid for materials and services, including architectural and engineering services directly connected with the physical development of the real property in the project; (3) relocation benefits paid to, or services provided for, persons residing or businesses located in the project; (4) amounts used to pay principal or interest on, fund a reserve for, or sell at a discount bonds issued pursuant to section 469.178; or (5) amounts used to pay other financial obligations to the extent those obligations were used to finance costs described in clause (1) to (3). Administrative expenses include amounts paid for services provided by bond counsel, fiscal consultants, planning or economic development consultants, and actual costs incurred by the County in administering SPRINGSTED Page 9 City of Elk River, Minnesota the TIF District. Tax increments may be used to pay administrative expenses of the TIF District up to the lesser of (a) 10% of the total tax increment expenditures authorized by the TIF Plan or (b) 10% of the total tax increments received by the TIF District. Section U Limitation on Property Not Subject to Improvements - Four Year Rule If after four years from certification of the TIF District no demolition, rehabilitation, renovation, or qualified improvement of an adjacent street has commenced on a parcel located within the TIF District, then that parcel shall be excluded from the TIF District and the original net tax capacity shall be adjusted accordingly. Qualified improvements of a street are limited to construction or opening of a new street, relocation of a street, or substantial reconstruction or rebuilding of an existing street. The City must submit to the County Auditor, by February 1 of the fifth year, evidence that the required activity has taken place for each parcel in the TIF District. If a parcel is excluded from the TIF District and the City or owner of the parcel subsequently commences any of the above activities, the City shall certify to the County Auditor that such activity has commenced and the parcel shall once again be included in the TIF District. The County Auditor shall certify the net tax capacity of the parcel, as most recently certified by the Commissioner of Revenue, and add such amount to the original net tax capacity of the TIF District. Section V Estimated Impact on Other Taxing Jurisdictions Exhibit IV shows the estimated impact on other taxing jurisdictions if the maximum projected retained captured net tax capacity of the TIF District was hypothetically available to the other taxing jurisdictions. The City believes that there will be no adverse impact on other taxing jurisdictions during the life of the TIF District, since the proposed development would not have occurred without the establishment of the TIF District and the provision of public assistance. A positive impact on other taxing jurisdictions will occur when the TIF District is decertified and the development therein becomes part of the general tax base. The fiscal and economic implications of the proposed tax increment financing district, as pursuant to Minnesota Statutes, Section 469.175, Subdivision 2, are listed below. 1. The total amount of tax increment that will be generated over the life of the district is estimated to be $269,050. To the extent the facility in the proposed TIF District generates any public cost impacts on city - provided services such as police and fire protection, public infrastructure, and borrowing costs attributable to the district, such costs will be levied upon the taxable net tax capacity of the City, excluding that portion captured by the District. The City does not anticipate issuing tax increment revenue bonds in conjunction with this project but reserves the right to issue bonds as necessary to facilitate development. The amount of tax increments over the life of the district that would be attributable to school district levies, assuming the school district's share of the total local tax rate for all taxing jurisdictions remained the same, is estimated to be $70,823. 4. The amount of tax increments over the life of the district that would be attributable to county levies, assuming the county's share of the total local tax rate for all taxing jurisdictions remained the same is estimated to be $97,724. SPRINGSTED Page 10 City of Elk River, Minnesota 5. No additional information has been requested by the county or school district that would enable it to determine additional costs that will accrue to it due to the development proposed for the district. Section W Prior Planned Improvements The City shall accompany its request for certification to the County Auditor (or notice of district enlargement), with a listing of all properties within the TIF District for which building permits have been issued during the 18 months immediately preceding approval of the TIF Plan. The County Auditor shall increase the original net tax capacity of the TIF District by the net tax capacity of each improvement for which a building permit was issued. There have been no building permits issued in the last 18 months in conjunction with any of the properties within the TIF District. Section X Development Agreements If within a project containing an economic development district, more than 10% of the acreage of the property to be acquired by the City is purchased with tax increment bonds proceeds (to which tax increment from the property is pledged), then prior to such acquisition, the City must enter into an agreement for the development of the property. Such agreement must provide recourse for the City should the development not be completed. The City anticipates entering into an agreement for development but does not anticipate acquiring any property located within the TIF District. Section Y Assessment Agreements The City may, upon entering into a development agreement, also enter into an assessment agreement with the developer, which establishes a minimum market value of the land and improvements for each year during the life of the TIF District. The assessment agreement shall be presented to the County or City Assessor who shall review the plans and specifications for the improvements to be constructed, review the market value previously assigned to the land, and so long as the minimum market value contained in the assessment agreement appears to be an accurate estimate, shall certify the assessment agreement as reasonable. The assessment agreement shall be filed for record in the office of the County Recorder of each county where the property is located. Any modification or premature termination of this agreement must first be approved by the City, County and School District. The City does not anticipate entering into an assessment agreement Section Z Modifications of the Tax Increment Financing Plan Any reduction or enlargement in the geographic area of the Project Area or the TIF District; increase in the amount of bonded indebtedness to be incurred; determination to capitalize interest on the debt if it was not part of original plan; increase in that portion of the captured net tax capacity to be retained by the City; increase in the total estimated public costs; or designation of additional property to be acquired by the City shall be approved only after satisfying all the necessary requirements for approval of the original TIF Plan. This paragraph does not apply if: (1) the only modification is elimination of parcels from the TIF District; and SPRINGSTED Page 11 City of Elk River, Minnesota (2) the current net tax capacity of the parcels eliminated equals or exceeds the net tax capacity of those parcels in the TIF District's original net tax capacity, or the City agrees that the TIF District's original net tax capacity will be reduced by no more than the current net tax capacity of the parcels eliminated. The City must notify the County Auditor of any modification that reduces or enlarges the geographic area of the TIF District. The geographic area of the TIF District may be reduced but not enlarged after five years following the date of certification. Section AA Administration of the Tax Increment Financing Plan Upon adoption of the TIF Plan, the City shall submit a copy of such plan to the Minnesota Department of Revenue. The City shall also request that the County Auditor certify the original net tax capacity and net tax capacity rate of the TIF District. To assist the County Auditor in this process, the City shall submit copies of the TIF Plan, the resolution establishing the TIF District and adopting the TIF Plan, and a listing of any prior planned improvements. The City shall also send the County Assessor any assessment agreement establishing the minimum market value of land and improvements in the TIF District and shall request that the County Assessor review and certify this assessment agreement as reasonable. The County shall distribute to the City the amount of tax increment as it becomes available. The amount of tax increment in any year represents the applicable property taxes generated by the retained captured net tax capacity of the TIF District. The amount of tax increment may change due to development anticipated by the TIF Plan, other development, inflation of property values, or changes in property classification rates or formulas. In administering and implementing the TIF Plan, the following actions should occur on an annual basis: (1) prior to July 1, the City shall notify the County Assessor of any new development that has occurred in the TIF District during the past year to ensure that the new value will be recorded in a timely manner. (2) if the County Auditor receives the request for certification of a new TIF District, or for modification of an existing TIF District, before July 1, the request shall be recognized in determining local tax rates for the current and subsequent levy years. Requests received on or after July 1 shall be used to determine local tax rates in subsequent years. (3) each year the County Auditor shall certify the amount of the original net tax capacity of the TIF District. The amount certified shall reflect any changes that occur as a result of the following: (a) the value of property that changes from tax-exempt to taxable shall be added to the original net tax capacity of the TIF District. The reverse shall also apply; (b) the original net tax capacity may be modified by any approved enlargement or reduction of the TIF District; (c) if laws governing the classification of real property cause changes to the percentage of estimated market value to be applied for property tax purposes, then the resulting increase or decrease in net tax capacity shall be applied proportionately to the original net tax capacity and the retained captured net tax capacity of the TIF District. The County Auditor shall notify the City of all changes made to the original net tax capacity of the TIF District. SPRINGSTED Page 12 City of Elk River, Minnesota Section AB Filing TIF Plan, Financial Reporting and Disclosure Requirements The City will file the TIF Plan, and any subsequent amendments thereto, with the Commissioner of Revenue and the Office of the State Auditor pursuant to Minnesota Statutes, Section 469.175, subdivision 4A. The City will comply with all reporting requirements for the TIF District under Minnesota Statutes, Section 469.175, subdivisions 5 and 6. SPRINGSTED Page 13 Exhibit 1 Map of Tax Increment Financing (Economic Development) District No. 26 11-* n� Sherburne County, M OVeFYiebW Leg ellid Ev mptWedan& I .. NmClassifed L . Corral 13 welopm ra NaivralErrrlru�rne �_ Rroeational Deveropmera I Parsls Streams ParodID 75-757-0205 Allesnadel[D nia Clown& kkis F13RTH€Cr7YOFELKRFvTR SalrwpMPg 2-32-26 CLES 7754&ni ipalPlblicSrrvloeEnEeprises IM65ORONOPKWYNW PraperiyAlddress 17565TYLERSTW W AQeage 34 ELKFUVERMNS5330 ELK6il ER Dktrrd ELK RPIER CrrY 9rddT=0esak*kn Fda {Notr: Not to hr �esrrf ra-i Iryatl don�rnen�7 6Ydaiear: Fw) a mbtWd h u Gael madedo axa'at rhos INs xeh s Ire n wild UK m e`ie a IWMUM �ialea�arLae[dToes utanyrur� Wdiaul oatlte AtV1,id€.Irli, 91aW�e Cauurydrseiiini unruie7 al luhlay jordla.rye; :r Lurrad uSra:.tlr Of ildraly�n u res,dtul ever;epr d and Is gpansbfc preNf scar u:s:tmFYsrLOGm. bfm 6yalulei pak,7F.cc5y. Fur IN l-�r depmtomt Dhdarc0.:.Sr17-Af PdILC'S:SlbubureCaunrykrafewd0rTds5a4[9 Claud p+os tiu areh"bd ra arld wLG AeFgr cG ar61q}tN jT;1 u altu'.tJanrutiarpl�ecurrhid The C.11,ap3 Ui fs as arunkt Date sremd 5AU020 d3 i[ D:Ps U[Jasda+l.°�"3�ZfxX1 9T._i39 PN Dt ilopbd � Frlcider G CGv FAT IA Exhibit 11 Assumptions Report City of Elk River, Minnesota Tax Increment Financing (Economic Development) District No. 26 Shoot Steel, INC Draft TIF Plan Exhibits Type of Tax Increment Financing District Economic Development Maximum Duration of TIF District 8 years from 1st increment Projected Certification Request Date Decertification Date Base Estimated Market Value Original Net Tax Capacity * Base Estimated Market Value Increase in Estimated Market Value Total Estimated Market Value Total Net Tax Capacity 11 /01 /20 12/31/30 (9 Years of Increment) 2020/2021 $378,100 $6, 812 Assess ment/Collection Year 2020/2021 2021 /2022 2022/2023 2023/2024 $378,100 $378,100 $378,100 $378,100 0 971,000 1,011,473 1,053,160 378,100 1,349,100 1,389,573 1,431,260 $6,812 $26,232 City of Elk River 46.241% Sherburne County 47.426% ISD #728 34.371% Other 2.533% Local Tax Capacity Rate $27, 041 $27, 875 130.571 % 2019/2020 Fiscal Disparities Contribution From TIF District NA Administrative Retainage Percent (maximum = 10%) 10.00% Pooling Percent 0.00% Bonds PayGO Note Bonds Dated NA Note Dated 02/01/21 Bond Issue @ 0.00% (NIC) NA Note Rate 4.00% Eligible Project Costs NA Note Amount $190,000 Present Value Date & Rate 02/01/21 4.00% Present Value Amount $192,196 Notes Assumptions assume no change to future tax rates, class rates, and a 3% annual MV inflator is assumed Calculations include payable 2020 final tax capacity rates Total EMV upon completion based on value estimates for new business * Base EMV of property as provided by Sherburne County property taxes Exhibit /// Projected Tax Increment Report City of Elk River, Minnesota Tax Increment Financing (Economic Development) District No. 26 Shoot Steel, INC Draft TIF Plan Exhibits Annual Period Ending (1) Total Estimated Market Value (') (2) Total Net Tax Capacity (2) (3) Less: Original Net Tax Capacity (3) (4) Retained Captured Net Tax Capacity (5) Times: Tax Capacity Rate (4) (6) Annual Gross Tax Increment (7) Less: State Aud. Deduction 0.360% (8) Subtotal Net Tax Increment (9) Less: Admin. Retainage 10.00% (10) Annual Net Revenue (11) P.V. Annual Net Rev. To 02/01/21 4.00% 12/31 /20 378,100 6,812 6,812 0 130.571 % 0 0 0 0 0 0 12/31 /21 378,100 6,812 6,812 0 130.571 % 0 0 0 0 0 0 12/31 /22 1,349,100 26,232 6,812 19,420 130.571 % 25,357 91 25,266 2,527 22,739 21,300 12/31 /23 1,389,573 27,041 6,812 20,229 130.571 % 26,415 95 26,320 2,632 23,688 21,336 12/31/24 1,431,260 27,875 6,812 21,063 130.571% 27,502 99 27,403 2,740 24,663 21,359 12/31 /25 1,474,198 28,734 6,812 21,922 130.571 % 28,624 103 28,521 2,852 25,669 21,376 12/31 /26 1,518,424 29,618 6,812 22,806 130.571 % 29,779 107 29,672 2,967 26,705 21,383 12/31 /27 1,563,977 30,530 6,812 23,718 130. 571 % 30,968 ill 30,857 3,086 27,771 21,381 12/31 /28 1,610,896 31,468 6,812 24,656 130.571 % 32,194 116 32,078 3,208 28,870 21,373 12/31 /29 1,659,223 32,434 6,812 25,622 130.571 % 33,456 120 33,336 3,334 30,002 21,356 12/31/30 1,709,000 33,430 6,812 26,618 130.571% 34,755 125 34,630 3,463 31,167 21,332 $269,050 $967 $268,083 $26,809 $241,274 $192,196 value based on estimate provided by City for the anticipated construction of newbusinesses and possible existing business expansions (2) tax capacity based on commercial -industrial class rate of 1.50% for first $150,000 of value and 2% for value above $150,000 (3) original net tax capacity will be based on existing land and building values and commercial -industrial class rate for payable 2021 (4) combined local tax capacity rate of City of Elk River, ISD 728 and Sherburne County for payable 2020 Exhibit IV Estimated Impact on Other Taxing Jurisdictions Report City of Elk River, Minnesota Tax Increment Financing (Economic Development) District No. 26 Shoot Steel, INC Draft TIF Plan Exhibits Without Project or TIF District With Project and TIF District Projected Hypothetical 2019/2020 2019/2020 Retained New Hypothetical Hypothetical Tax Generated Taxable 2019/2020 Taxable Captured Taxable Adjusted Decrease In by Retained Taxing Net Tax Local Net Tax Net Tax Net Tax Local Local Captured Jurisdiction Capacity (1) Tax Rate Capacity (1) + Capacity = Capacity Tax Rate (*) Tax Rate (*) N.T.C. (*) City of Elk River 27, 823, 086 46.241 % 27, 823, 086 $26, 618 27, 849, 704 46.197% 0.044% 12,297 Sherburne County 106,729,866 47.426% 106,729,866 26,618 106,756,484 47.414% 0.012% 12,621 IS D #728 41, 735, 916 34.371 % 41, 735, 916 26,618 41, 762, 534 34.349% 0.022% 9,143 Other (2) --- 2.533% --- 26,618 --- 2.533% --- --- Totals 130.571% 130.493% 0.078% * Statement 1: If the projected Retained Captured Net Tax Capacity of the TIF District was hypothetically available to each of the taxing jurisdictions above, the result would be a lower local tax rate (see Hypothetical Adjusted Tax Rate above) which would produce the same amount of taxes for each taxing jurisdiction. In such a case, the total local tax rate would decrease by 0.078% (see Hypothetical Decrease in Local Tax Rate above). The hypothetical tax that the Retained Captured Net Tax Capacity of the TIF District would generate is also shown above. Statement 2: Since the projected Retained Captured Net Tax Capacity of the TIF District is not available to the taxing jurisdictions, then there is no impact on taxes levied or local tax rates. (1) Taxable net tax capacity = total net tax capacity - captured TIF - fiscal disparity contribution, if applicable. (2) The impact on these taxing jurisdictions is negligible since they represent only 1.94% of the total tax rate. Exhibit V Market Value Analysis Report City of Elk River, Minnesota Tax Increment Financing (Economic Development) District No. 26 Shoot Steel, INC Draft TIF Plan Exhibits Assumptions Present Value Date P.V. Rate - Gross T.I. 02/01 /21 4.00% Increase in EMV With TIF District Less: P.V of Gross Tax Increment Subtotal Less: Increase in EMV Without TIF Difference $1,330,900 214,321 $1,116, 579 0 $1,116,579 Annual Present Gross Tax Value @ Year Increm ent 4.00% 1 2022 25,357 23,752 2 2023 26,415 23,792 3 2024 27,502 23,818 4 2025 28,624 23,836 5 2026 29,779 23,844 6 2027 30,968 23,843 7 2028 32,194 23,833 8 2029 33,456 23,815 9 2030 34,755 23,788 $269,050 $214,321 Assumptions Report City of Elk River, Minnesota Tax Increment Financing (Economic Development) District No. 26 Shoot Steel, INC Draft TIF Plan Exhibits Type of Tax Increment Financing District Economic Development Maximum Duration of TIF District 8 years from 1 st increment Projected Certification Request Date 11/01/20 Decertification Date 12/31/30 (9 Years of Increment) 2020/2021 Base Estimated Market Value $378,100 Original Net Tax Capacity' $6,812 Assessment/Collection Year 2020/2021 2021/2022 2022/2023 2023/2024 Base Estimated Market Value $378,100 $378,100 $378,100 $378,100 Increase in Estimated Market Value 0 971,000 1,011,473 1,053,160 Total Estimated Market Value 378,100 1,349,100 1,389,573 1,431,260 Total Net Tax Capacity $6,812 $26,232 $27,041 $27,875 City of Elk River 46.241 % Sherburne County 47.426% I S D #728 34.371 % Other 2.533% Local Tax Capacity Rate 130.571 % 2019/2020 Fiscal Disparities Contribution From TIF District NA Administrative Retainage Percent (maximum = 10%) 10.00% Pooling Percent 0.00% Bonds PayGO Note Bonds Dated NA Note Dated 02/01/21 Bond Issue @ 0.00% (NIC) NA Note Rate 4.00% Eligible Project Costs NA Note Amount $190,000 Present Value Date & Rate 02/01/21 4.00% Present Value Amount $192,196 Notes Assumptions assume no change to future tax rates, class rates, and a 3% annual MV inflator is assumed Calculations include payable 2020 final tax capacity rates Total EMV upon completion based on value estimates for new business Base EMV of property as provided by Sherburne County property taxes Prepared by: Baker Tilly (printed on 9/11/2020 at 11:46 AM) Elk River ED TIF 26 draft TIF Plan Exhibits 091120Assumptions CITY OF ELK RIVER, MINNESOTA NOTICE OF PUBLIC HEARING NOTICE IS HEREBY GIVEN that the City Council (the "Council') of the City of Elk River, Minnesota (the "City', will hold a public hear- ing at a meeting of the Council beginning at 6:30 p.m., on Monday, October 5, 2020, to be held at the Elk River City Hall,13065 Orono Parkway, Elk River, Minnesota on the proposal to modify the Devel- opment Program for Development District No.1 (the "Project Area') to establish Tax Increment Financing (Economic Development) Dis- trict No. 26 within Development District No. 1 (Shoot Steel, Inc. Project) (the 'TIF District'); all pursuant to and in conformity with applicable law, including Minnesota Statutes, Sections 469.124 through 469.133, as amended, and 469.174 through 469.1794, as amended (together, the "TIF Act'), and to review the Tax Increment Financing Plan (the "Plan') for the TIF District. A copy of the Plan for the TIF District and all documents relating to the proposed mod- ification to the Development Program for Development District No. 1 to establish the TIF District as an economic development district, will be on file and available for inspection at City Hall during regular business hours. Adjacent to this notice is a map which shows the area of the pro- posed TIF District and the boundaries of the Project Area where the increments may be collected and expended, respectively, pursuant to the TIF Act. In addition, the City proposes entering into an agreement with Shoot Steel, Inc., or an affiliate thereof or entity related thereto (the "Developer) under which the City will provide tax increment as- sistance to the Developer, and the Developer will agree to acquire approximately 4.34 acres of land within the City and construct and equip an approximately 20,000 square foot warehouse facility and associated office space on the property. The assistance will be a "business subsidy" under Minnesota Statues, Sections 116J.993 to 116J.995, as amended (the "Business Subsidy Law'J. A copy of the proposed business subsidy agreement is on file and available for public inspection at the office of the City's Economic Develop- ment Director in City Hall. A person with residence in or the owner of taxable property in the City may file a written complaint with the City if the City fails to comply with the Business Subsidy Law, and no action may be filed against the City for the failure to comply unless a written complaint is filed. At the time and place fixed for the public hearing, the Council will give all persons who appear or submit comments in writing prior to the hearing, an opportunity to express their views with respect to the proposal. Interested persons may file written comments re- specting the proposal with the City Clerk at or prior to said public hearing. PLEASE NOTE, due to COVID-19, the public hearing may be con- ducted via telephone or other electronic means as allowed under Minnesota Statutes, Section 13D.021. Please refer to the City's website at httpsJ/www.elkdvermn.gov/ or call City Hall at 763-635- 1000 to learn how to attend and participate in the public hearing via telephone or electronically. BY ORDER OF THE CITY COUNCIL Published in the Elk River Star New September 19, 2020 1076482 AFFIDAVIT OF PUBLICATION STATE OF MINNESOTA ) ss COUNTY OF SHERBURNE Diane Erickson being duly sworn on an oath, states or affirms that he/she is the Publisher's Designated Agent of the newspaper(s) known as: Star News with the known office of issue being located in the county of: SHERBURNE with additional circulation in the counties of. WRIGHT and has full knowledge of the facts stated below: (A) The newspaper has complied with all of the requirements constituting qualifica- tion as a qualified newspaper as provided by Minn. Stat. §331A.02. (B) This Public Notice was printed and pub- lished in said newspaper(s) once each week, for 1 successive week(s); the first insertion being on 09/19/2020 and the last insertion being on 09/19/2020. MORTGAGE FORECLOSURE NOTICES Pursuant to Minnesota Stat. §580.033 relating to the publication of mortgage foreclosure notices: The newspaper complies with the conditions described in §580.033, 3ubd. 1, clause (1) or (2). If the newspaper's known office of issue is located in a county adjoining the county where the mortgaged premises or some part of the mortgaged premises described in the notice are located, a substantial portion of the newspaper's circulation is in the latter county. By:.,.. _ Designated Agent Subscribed and sworn to or affirmed before me on 09/19/2020 by Diane Erickson. .0 Notary Public r vw+�w�.w.ux?imwaamFww WNNw.uuIV4mwnnl�'. �' wn. DARLENE MARIE MACPHERSON _ = Notary Public Minnesota 312024 My CommMW E)Ores January `.ate Information: (1) Lowest classed rate paid by commercial users for comparable space: $23.00 per column inch [legal.text] Ad ID 1076482 SHERBl1RNE C O U N T Y OWEEN September 22, 2020 Ms. Mikaela Huot Baker Tilly Municipal Advisers 380 Jackson Street Suite 300 St. Paul, MN 55101-2887 Re: City of Elk River TIF District #26 Dear Ms. Huot: Board of Commissioners Barbara Burandt, District 1 Raeanne Danielowski, District 2 Tim Dolan, District 3 Felix Schmiesing, District 4 Lisa A. Fobbe, District 5 Thank you for the opportunity to provide comments concerning the establishment of tax increment financing (TIF) district #26. Sherburne County adopted an economic development strategic plan in 2018. That plan identifies the county's intent to support the economic development efforts of our cities and other partners that help enhance the quality of life for all residents, create and sustain living wage jobs, expand the county's property tax base, and allow the county to be a partner with other public agencies and private sector stakeholders. Pursuant to Minnesota Statute 479.175, subdivision 2, and consistent with the county's economic development strategic plan, Sherburne County submits the following comments: The County Board supports the city's effort to encourage and facilitate the development of the 20,000 sfwarehousing facility. The development, when complete, is projected to add approximately $1,350,000 in taxable value. 2. The TIF district proposal has been reviewed by our Taxation Division staff and no administrative issues were identified. 3. The TIF district proposal has been reviewed by our Public Works Department and one administrative issue was identified. In order to ensure that there is no negative impact to the downstream drainage system as a result of the proposed improvements and increased impervious surface, a drainage report should be prepared that meets the standards and requirements for the City of Elk River. Typically no increase in the 10 year runoff rate from the existing condition as compared to the proposed development is allowed. Onsite detention/retention may be required to mitigate this. Preferred access location for the proposed improvements are off of Tyler Street NW. We appreciate the opportunity to provide comments on the proposed district. We request that these comments be incorporated into the record at the public hearing on October 5, 2020. Sincerely, Dan Weber Assistant County Administrator Cc: Sherburne County Board of Commissioners Amanda Othoudt, Economic Development Director CC bakertilly Tax Increment Financing Plan for Tax Increment Financing (Economic Development) District No. 26 within Development District No. 1 (Shoot Steel, Inc Project) City of Elk River, Minnesota Prepared by Baker Tilly Municipal Advisors, LLC Draft Dated: October 5, 2020 Anticipated Public Hearing: October 5, 2020 Anticipated Approval by City Council: October 5, 2020 Baker Tilly Municipal Advisors, LLC is a registered municipal advisor and wholly -owned subsidiary of Baker Tilly Virchow Krause, LLP, an accounting firm. Baker Tilly Virchow Krause, LLP trading as Baker Tilly is a member of the global network of Baker Tilly International Ltd., the members of which are separate and independent legal entities. TABLE OF CONTENTS Section Page(s) A. Definitions................................................................................................................................... 1 B. Statutory Authorization............................................................................................................... 1 C. Statement of Need and Public Purpose..................................................................................... 2 D. Statement of Objectives............................................................................................................. 2 E. Designation of Tax Increment Financing District as an Economic Development District............................................................................................... 2 F. Duration of the TIF District......................................................................................................... 3 G. Property to be Included in the TIF District.................................................................................. 3 H. Property to be Acquired in the TIF District................................................................................. 3 I. Specific Development Expected to Occur Within the TIF District .............................................. 3 J. Findings and Need for Tax Increment Financing....................................................................... 3 K. Estimated Public Costs.............................................................................................................. 5 L. Estimated Sources of Revenue.................................................................................................. 5 M. Estimated Amount of Bonded Indebtedness.............................................................................. 6 N. Original Net Tax Capacity.......................................................................................................... 6 O. Original Tax Capacity Rate........................................................................................................ 6 P. Projected Retained Captured Net Tax Capacity and Projected Tax Increment ......................... 7 Q. Use of Tax Increment................................................................................................................. 7 R. Excess Tax Increment................................................................................................................ 8 S. Tax Increment Pooling and the Five -Year Rule......................................................................... 9 T. Limitation on Administrative Expenses...................................................................................... 9 U. Limitation on Property Not Subject to Improvements - Four Year Rule ..................................... 10 V. Estimated Impact on Other Taxing Jurisdictions........................................................................ 10 W. Prior Planned Improvements...................................................................................................... 11 X. Development Agreements.......................................................................................................... 11 Y. Assessment Agreements........................................................................................................... 11 Z. Modifications of the Tax Increment Financing Plan................................................................... 11 AA. Administration of the Tax Increment Financing Plan................................................................. 12 AB. Financial Reporting and Disclosure Requirements.................................................................... 13 Map of the Tax Increment Financing District........................................................................ EXHIBIT I AssumptionsReport.............................................................................................................. EXHIBIT II Projected Tax Increment Report........................................................................................... EXHIBIT III Estimated Impact on Other Taxing Jurisdictions Report ....................................................... EXHIBIT IV Market Value Analysis Report............................................................................................... EXHIBIT V City of Elk River, Minnesota SECTION I — MODIFICATION TO THE DEVELOPMENT PROGRAM FOR DEVELOPMENT DISTRICT NO. 1 Foreword The following text represents a Modification to the Development Program for Development District No. 1. This modification represents a continuation of the goals and objectives set forth in the Development Program for Development District No. 1. The changes include the establishment of Tax Increment Financing (Economic Development) District No. 26. For further information, a review of the Development Program for Development District No. 1 is recommended. It is available from the City Administrator at the City of Elk River. Other relevant information is contained in the Tax Increment Financing Plans for the Tax Increment Financing Districts located within Development District No. 1. SECTION II — ESTABLISHMENT OF THE TAX INCREMENT FINANCING PLAN FOR TAX INCREMENT FINANCING (ECONOMIC DEVELOPMENT) DISTRICT NO. 26 Section A Definitions The terms defined in this section have the meanings given herein, unless the context in which they are used indicates a different meaning: "City„ means the City of Elk River, Minnesota; also referred to as a "Municipality". "City Council" means the City Council of the City. "County" means Sherburne County, Minnesota. "Development District" means Development District No.1 in the City, which is described in the corresponding Development Program. "Development Program" means the Development Program for the Development District. "Project Area" means the geographic area of the Development District. "School District" means Independent School District No. 728, Minnesota. "State" means the State of Minnesota. "TIF Act" means Minnesota Statutes, Sections 469.174 through 469.1794, both inclusive. "TIF District" means Tax Increment Financing (Economic Development) District No. 26. "TIF Plan" means the tax increment financing plan for the TIF District (this document). Section B Statutory Authorization See Section B of the Development Program for the Development District. SPRINGSTED Pagel City of Elk River, Minnesota Section C Statement of Need and Public Purpose See Section C of the Development Program for the Development District. Section D Statement of Objectives See Section D of the Development Program for the Development District. Section E Designation of Tax Increment Financing District as an Economic Development District Economic development districts are a type of tax increment financing district which consist of any project, or portions of a project, which the City finds to be in the public interest because: (1) it will discourage commerce, industry, or manufacturing from moving their operations to another state or municipality; (2) it will result in increased employment in the state; or (3) it will result in preservation and enhancement of the tax base of the state. The TIF District qualifies as an economic development district in that the proposed development described in this TIF Plan (see Section I) meets the criteria listed above in (2) and (3). Without establishment of the TIF District, the proposed development would not occur within the City. The proposed development will also result in increased employment and enhancement of the tax base in both the City and the State. Tax increments from an economic development district must be used to provide improvements, loans, subsidies, grants, interest rate subsidies, or other assistance in which at least 85% of the square footage of the facilities to be constructed are used for any of the following purposes: (1) manufacturing, production, or processing of tangible personal property; (2) warehousing, storage and distribution of tangible personal property, excluding retail sales; (3) research and development related to the activities listed in (1) or (2) above; (4) telemarketing if that activity is the exclusive use of the property; (5) tourism facilities (see M.S. Section 469.174, Subd. 22); (6) space necessary for and related to the activities listed in (1) through (5) above; (7) a workforce housing project that satisfies the requirements of paragraph (d). Tax increments from the TIF District will be used to provide financial assistance to the proposed development (see Section 1), in which over 85% of the square footage of the facilities to be constructed will be used for warehousing, storage and distribution of tangible property, excluding retail sales, or other purposes as listed in (1) through (7) above. SPRINGSTED Page 2 City of Elk River, Minnesota Section F Duration of the TIF District Economic development districts may remain in existence 8 years from the date of receipt by the City of the first tax increment. The City anticipates that the TIF District will remain in existence the maximum duration allowed by law (projected to be through the year 2030, due to anticipated receipt of first increment in 2022). Modifications of this plan (see Section AA) shall not extend these limitations. Section G Property to be Included in the TIF District The TIF District is an area of land comprising of the parcel listed below that is located within the Project Area. A map showing the boundaries of the TIF District is shown in Exhibit I. Parcel ID Number Legal Description 75-757-0205 1 LOT 1, BLK 2 SUBJ TO EASEMENT OF RECORD The area encompassed by the TIF District shall also include all street or utility right-of-ways located upon or adjacent to the property described above. Section H Property to be Acquired in the TIF District The City may acquire and sell any or all of the property located within the TIF District. It will not be acquiring any property at this time but will be selling the property to the developer to facilitate development. Section I Specific Development Expected to Occur Within the TIF District The proposed project is anticipated to consist of the acquisition of approximately 4.34 acres at 17565 Tyler Street Northwest in the City of Elk River by Moyer Properties, LLC (the "Developer") from the City. The Developer is planning to construct an approximate 20,000 square foot warehouse building on the site and plans to lease the property to its affiliate, Shoot Steel, Inc. The proposed uses of the building include primarily production and operations with a small office portion for operations directly related to the business. The square footage of the completed building will comply with the requirements of an economic development district with at least 85% being used for a qualifying purpose and less than 15% will be office space. It is anticipated that the City will use the tax increment to finance a portion of the extraordinary acquisition and infrastructure improvement costs that are necessary for this project to proceed. In addition, the city may use tax increment for related administrative expenses, and any other eligible expenditures associated with development of the site that may include additional necessary public improvements. Construction of the project is expected to commence in 2020 and be 100% assessed and on the tax rolls as of January 2, 2021 for taxes payable in 2022. At the time this document was prepared there were no signed construction contracts with regards to the above described development. Section J Findings and Need for Tax Increment Financing In establishing the TIF District, the City makes the following findings: (1) The TIF District qualifies as an economic development district; SPRINGSTED Page 3 City of Elk River, Minnesota See Section E of this document for the reasons and facts supporting this finding. (2) The proposed development, in the opinion of the City, would not reasonably be expected to occur solely through private investment within the reasonably foreseeable future and the increased market value of the site that could reasonably be expected to occur without the use of tax increment financing would be less than the increase in the market value estimated to result from the proposed development after subtracting the present value of the projected tax increments for the maximum duration of the district permitted by the TIF Plan. Factual basis: Proposed development not expected to occur: The proposed development consists of the construction of an approximate 20,000 square foot new warehousing facility. The new facility will be used primarily for warehousing to allow for further business growth and development. The Developer has requested financial assistance to write down a portion of the acquisition and site improvement costs associated with development of the site. The Developer has provided supplemental financial information demonstrating that the development of this site would not occur without the assistance provided in this TIF Plan. Therefore, the City has determined that the proposed development would not occur but for the financial assistance provided in this TIF Plan because of the increased costs related to development within the TIF District. The location and condition of the property requires expenditures related to development of the site, including acquisition, site improvements, storm water ponding, which currently do not allow development on the property. No higher market value expected: The land located within TIF District No. 26 requires site improvements including site preparation, grading, and landscaping, as well as storm water ponding. To commence construction of the new business facility, assistance with financing a portion of those costs will be necessary. The financial assistance provided under this TIF Plan will help offset the costs of these improvements. Given the nature of this property, there is no reasonable expectation of any development occurring that would generate as much market value increase as is estimated to be generated by the proposed development by the new business. Therefore, the City has concluded that substantial development at this particular site --and hence any significant increase in market value --is not reasonably expected to occur unless the City provides tax increment assistance as described in this Tax Increment Plan. To summarize the basis for the City's findings regarding alternative market value, in accordance with Minnesota Statutes, Section 469.175, Subd. 3(d), the City makes the following determinations: a. The City's estimate of the amount by which the market value of the site will increase without the use of tax increment financing is $0 (for the reasons described above), except some unknown amount of appreciation. b. If the proposed development to be assisted with tax increment occurs in the District, the total increase in market value would be approximately $1,330,900, including the value of the building (See Exhibit II). C. The present value of tax increments from the District for the maximum duration of the district permitted by the TIF Plan is estimated to be $214,321 (See Exhibit V). SPRINGSTED Page 4 City of Elk River, Minnesota d. Even if some development other than the proposed development were to occur, the Council finds that no alternative would occur that would produce a market value increase greater than $1,116,579 (the amount in clause b less the amount in clause c) without tax increment assistance. (3) The TIF Plan will afford maximum opportunity, consistent with the sound needs of the City as a whole, for development of the Project Area by private enterprise. Factual basis: The proposed development is the construction of a new business in the Project Area that is expected to create new jobs in the City and State, plus create new tax base for the City and the state. The development meets the City's economic development goals in terms of land use, job retention, and wage levels. (4) The TIF Plan conforms to general plans for development of the City as a whole. Factual basis: The City Council has determined that the development proposed in the TIF Plan conforms to the City comprehensive plan. Section K Estimated Public Costs The estimated public costs of the TIF District are listed below. Such costs are eligible for reimbursement from tax increments of the TIF District. Estimated Public Costs Estimated Amount Land/Building acquisition $241,274 Site Improvements/Preparation costs $0 Utilities $0 Other public improvements $0 Construction of affordable housing $0 Administrative expenses $26,809 Total Estimated Public Costs $268,083 Interest expenses $0 Total Costs $268,083 The City reserves the right to administratively adjust the amount of any of the items listed above or to incorporate additional eligible items, so long as the total estimated public costs ($268,083) do not increase. The City also reserves the right to fund any of the identified costs with any other legally available revenues, such as grants and/or loans, but anticipates that such costs will be primarily financed with tax increments. Section L Estimated Sources of Revenue Estimated Sources of Revenue Estimated Amount Tax Increment revenue $268,083 Interest on invested funds Total $268,083 SPRINGSTED Page 5 City of Elk River, Minnesota The City anticipates providing financial assistance to the proposed development through pay-as-you-go financing in which the City will provide funding to the Developer to offset a portion of the project costs and collect annual increments to repay the note. As tax increments are collected from the TIF District in future years, a portion will be retained by the City and the remaining funds will be provided as reimbursement for certain identified costs as necessary within the TIF District to assist with financing the public costs incurred (see Section K). The City reserves the right to finance any or all public costs of the TIF District using pay-as-you-go assistance, internal funding, general obligation or revenue debt, or any other financing mechanism authorized by law. The City also reserves the right to use other sources of revenue legally applicable to the Project Area to pay for such costs including, but not limited to, special assessments, utility revenues, federal or state funds, and investment income. The projected tax increment report is included as Exhibit III. Section M Estimated Amount of Bonded Indebtedness The maximum principal amount of bonds (as defined in the TIF Act) secured in whole or part with tax increment from the TIF District is $268,083. The City currently plans to finance the improvement costs through pay-as-you-go financing. The City reserves the right to issue an interfund loan or issue bonds in any form, including without limitation any interfund loan with interest not to exceed the maximum permitted under Section 469.178, subd. 7 of the TIF Act. Section N Original Net Tax Capacity The County Auditor shall certify the original net tax capacity of the TIF District. This value will be equal to the total net tax capacity of all property in the TIF District as certified by the State Commissioner of Revenue. For districts certified between January 1 and June 30, inclusive, this value is based on the previous assessment year. For districts certified between July 1 and December 31, inclusive, this value is based on the current assessment year. The Estimated Market Value of all property within the TIF District as of January 2, 2020, for taxes payable in 2021, is $378,100. Upon establishment of the TIF District, it is estimated that the original net tax capacity of the TIF District will be $6,812, upon classification as commercial -industrial. Each year the County Auditor shall certify the amount that the original net tax capacity has increased or decreased as a result of: (1) changes in the tax-exempt status of property; (2) reductions or enlargements of the geographic area of the TIF District; (3) changes due to stipulation agreements or abatements; or (4) changes in property classification rates. Section O Original Tax Capacity Rate The County Auditor shall also certify the original tax capacity rate of the TIF District. This rate shall be the sum of all local tax rates that apply to property in the TIF District. This rate shall be for the same taxes payable year as the original net tax capacity. SPRINGSTED Page 6 City of Elk River, Minnesota In future years, the amount of tax increment generated by the TIF District will be calculated using the lesser of (a) the sum of the current local tax rates at that time or (b) the original tax capacity rate of the TIF District. It is anticipated the request for certification of the District will occur after June 30, 2020 and the local tax rates for taxes levied in 2020 and payable in 2021 will apply. The payable 2021 rates are not available at the time of drafting of the TIF Plan. For purposes of estimating the tax increment generated by the TIF District, the sum of the local tax rates for taxes levied in 2019 and payable in 2020 of 130.571% have been used and are shown below: 2019/2020 Taxing Jurisdiction Local Tax Rate City of Elk River 46.241 % Sherburne County 47.426% ISD 728 34.371 % Other 2.533% Total 130.571 % Section P Projected Retained Captured Net Tax Capacity and Projected Tax Increment The City anticipates that the building construction will be completed by December 31, 2020 creating a total tax capacity for TIF District No. 26 of $26,232 as of January 2, 2021. The captured tax capacity as of that date is estimated to be $19,420 and the first full year of tax increment is estimated to be $25,357 payable in 2022. A complete schedule of estimated tax increment from the TIF District is shown in Exhibit III. The estimates shown in this TIF Plan assume that commercial class rates remain at 1.50% of the estimated market value up to $150,000 and 2.0% of the estimated market value over $150,000; and assume 3% annual increase in market values. Each year the County Auditor shall determine the current net tax capacity of all property in the TIF District. To the extent that this total exceeds the original net tax capacity, the difference shall be known as the captured net tax capacity of the TIF District. The County Auditor shall certify to the City the amount of captured net tax capacity each year. The City may choose to retain any or all of this amount. It is the City's intention to retain 100% of the captured net tax capacity of the TIF District. Such amount shall be known as the retained captured net tax capacity of the TIF District. Exhibit II gives a listing of the various information and exhibits contained in this TIF Plan, including Exhibit generated over the anticipated life of the TIF District. Section Q Use of Tax Increment assumptions used in preparing a number of the III which shows the projected tax increment Each year the County Treasurer shall deduct 0.36% of the annual tax increment generated by the TIF District and pay such amount to the State's General Fund. Such amounts will be appropriated to the State Auditor for the cost of financial reporting and auditing of tax increment financing information throughout the state. Exhibit III shows the projected deduction for this purpose over the anticipated life of the TIF District. SPRINGSTED Page 7 City of Elk River, Minnesota The City has determined that it will use 100% of the remaining tax increment generated by the TIF District for any of the following purposes: (1) pay for the estimated public costs of the TIF District (see Section K) and County administrative costs associated with the TIF District (see Section T); (2) pay principal and interest on tax increment bonds or other bonds issued to finance the estimated public costs of the TIF District; (3) accumulate a reserve securing the payment of tax increment bonds or other bonds issued to finance the estimated public costs of the TIF District; (4) pay all or a portion of the county road costs as may be required by the County Board under M.S. Section 469.175, Subdivision 1 a; or (5) return excess tax increments to the County Auditor for redistribution to the City, County and School District. Tax increments from property located in one county must be expended for the direct and primary benefit of a project located within that county, unless both county boards involved waive this requirement. Tax increments shall not be used to circumvent levy limitations applicable to the City. Tax increment shall not be used to finance the acquisition, construction, renovation, operation, or maintenance of a building to be used primarily and regularly for conducting the business of a municipality, county, school district, or any other local unit of government or the State or federal government, or for a commons area used as a public park, or a facility used for social, recreational, or conference purposes. This prohibition does not apply to the construction or renovation of a parking structure or of a privately - owned facility for conference purposes. If there exists any type of agreement or arrangement providing for the developer, or other beneficiary of assistance, to repay all or a portion of the assistance that was paid or financed with tax increments, such payments shall be subject to all of the restrictions imposed on the use of tax increments. Assistance includes sale of property at less than the cost of acquisition or fair market value, grants, ground or other leases at less then fair market rent, interest rate subsidies, utility service connections, roads, or other similar assistance that would otherwise be paid for by the developer or beneficiary. Section R Excess Tax Increment In any year in which the tax increments from the TIF District exceed the amount necessary to pay the estimated public costs authorized by the TIF Plan, the City shall use the excess tax increments to: (1) prepay any outstanding tax increment bonds; (2) discharge the pledge of tax increments thereof; (3) pay amounts into an escrow account dedicated to the payment of the tax increment bonds; or (4) return excess tax increments to the County Auditor for redistribution to the City, County and School District. The County Auditor must report to the Commissioner of Education the amount of any excess tax increment redistributed to the School District within 30 days of such redistribution. SPRINGSTED Page 8 City of Elk River, Minnesota Section S Tax Increment Pooling and the Five -Year Rule At least 80% of the tax increments from the TIF District must be expended on activities within the district or to pay for bonds used to finance the estimated public costs of the TIF District (see Section E for additional restrictions). No more than 20% of the tax increments may be spent on costs outside of the TIF District but within the boundaries of the Project Area, except to pay debt service on credit enhanced bonds. All administrative expenses are considered to have been spent outside of the TIF District. Tax increments are considered to have been spent within the TIF District if such amounts are: (1) actually paid to a third party for activities performed within the TIF District within five years after certification of the district; (2) used to pay bonds that were issued and sold to a third party, the proceeds of which are reasonably expected on the date of issuance to be spent within the later of the five-year period or a reasonable temporary period or are deposited in a reasonably required reserve or replacement fund. (3) used to make payments or reimbursements to a third party under binding contracts for activities performed within the TIF District, which were entered into within five years after certification of the district; or (4) used to reimburse a party for payment of eligible costs (including interest) incurred within five years from certification of the district. Beginning with the sixth year following certification of the TIF District, at least 80% of the tax increments must be used to pay outstanding bonds or make contractual payments obligated within the first five years. When outstanding bonds have been defeased and sufficient money has been set aside to pay for such contractual obligations, the TIF District must be decertified. The City does not anticipate that any tax increments will be spent outside of the TIF District (including allowable administrative expenses); but the City reserves the right to allow for tax increment pooling from the TIF District in the future. Section T Limitation on Administrative Expenses Administrative expenses are defined as all costs of the City other than: (1) amounts paid for the purchase of land; (2) amounts paid for materials and services, including architectural and engineering services directly connected with the physical development of the real property in the project; (3) relocation benefits paid to, or services provided for, persons residing or businesses located in the project; (4) amounts used to pay principal or interest on, fund a reserve for, or sell at a discount bonds issued pursuant to section 469.178; or (5) amounts used to pay other financial obligations to the extent those obligations were used to finance costs described in clause (1) to (3). Administrative expenses include amounts paid for services provided by bond counsel, fiscal consultants, planning or economic development consultants, and actual costs incurred by the County in administering SPRINGSTED Page 9 City of Elk River, Minnesota the TIF District. Tax increments may be used to pay administrative expenses of the TIF District up to the lesser of (a) 10% of the total tax increment expenditures authorized by the TIF Plan or (b) 10% of the total tax increments received by the TIF District. Section U Limitation on Property Not Subject to Improvements - Four Year Rule If after four years from certification of the TIF District no demolition, rehabilitation, renovation of property or other site preparation, including qualified improvement of an adjacent street, has commenced on a parcel located within the TIF District, then that parcel shall be excluded from the TIF District and the original net tax capacity shall be adjusted accordingly. Qualified improvements of a street are limited to construction or opening of a new street, relocation of a street, or substantial reconstruction or rebuilding of an existing street. The City must submit to the County Auditor, by February 1 of the fifth year, evidence that the required activity has taken place for each parcel in the TIF District. If a parcel is excluded from the TIF District and the City or owner of the parcel subsequently commences any of the above activities, the City shall certify to the County Auditor that such activity has commenced and the parcel shall once again be included in the TIF District. The County Auditor shall certify the net tax capacity of the parcel, as most recently certified by the Commissioner of Revenue, and add such amount to the original net tax capacity of the TIF District. Section V Estimated Impact on Other Taxing Jurisdictions Exhibit IV shows the estimated impact on other taxing jurisdictions if the maximum projected retained captured net tax capacity of the TIF District was hypothetically available to the other taxing jurisdictions. The City believes that there will be no adverse impact on other taxing jurisdictions during the life of the TIF District, since the proposed development would not have occurred without the establishment of the TIF District and the provision of public assistance. A positive impact on other taxing jurisdictions will occur when the TIF District is decertified and the development therein becomes part of the general tax base. The fiscal and economic implications of the proposed tax increment financing district, as pursuant to Minnesota Statutes, Section 469.175, Subdivision 2, are listed below. 1. The total amount of tax increment that will be generated over the life of the district is estimated to be $269,050. To the extent the facility in the proposed TIF District generates any public cost impacts on city - provided services such as police and fire protection, public infrastructure, and borrowing costs attributable to the district, such costs will be levied upon the taxable net tax capacity of the City, excluding that portion captured by the District. The City does not anticipate issuing tax increment revenue bonds in conjunction with this project but reserves the right to issue bonds as necessary to facilitate development. The amount of tax increments over the life of the district that would be attributable to school district levies, assuming the school district's share of the total local tax rate for all taxing jurisdictions remained the same, is estimated to be $70,823. 4. The amount of tax increments over the life of the district that would be attributable to county levies, assuming the county's share of the total local tax rate for all taxing jurisdictions remained the same is estimated to be $97,724. SPRINGSTED Page 10 City of Elk River, Minnesota 5. No additional information has been requested by the county or school district that would enable it to determine additional costs that will accrue to it due to the development proposed for the district. Section W Prior Planned Improvements The City shall accompany its request for certification to the County Auditor (or notice of district enlargement), with a listing of all properties within the TIF District for which building permits have been issued during the 18 months immediately preceding approval of the TIF Plan. The County Auditor shall increase the original net tax capacity of the TIF District by the net tax capacity of each improvement for which a building permit was issued. There have been no building permits issued in the last 18 months in conjunction with any of the properties within the TIF District. Section X Development Agreements If within a project containing an economic development district, more than 10% of the acreage of the property to be acquired by the City is purchased with tax increment bonds proceeds (to which tax increment from the property is pledged), then prior to such acquisition, the City must enter into an agreement for the development of the property. Such agreement must provide recourse for the City should the development not be completed. The City anticipates entering into an agreement with the Developer relating to the project but does not anticipate acquiring any property located within the TIF District. Section Y Assessment Agreements The City may, upon entering into a development agreement, also enter into an assessment agreement with the developer, which establishes a minimum market value of the land and improvements for each year during the life of the TIF District. The assessment agreement shall be presented to the County or City Assessor who shall review the plans and specifications for the improvements to be constructed, review the market value previously assigned to the land, and so long as the minimum market value contained in the assessment agreement appears to be an accurate estimate, shall certify the assessment agreement as reasonable. The assessment agreement shall be filed for record in the office of the County Recorder of each county where the property is located. Any modification or premature termination of this agreement must first be approved by the City, County and School District. The City does not anticipate entering into an assessment agreement Section Z Modifications of the Tax Increment Financing Plan Any reduction or enlargement in the geographic area of the Project Area or the TIF District; increase in the amount of bonded indebtedness to be incurred; determination to capitalize interest on the debt if it was not part of original plan; increase in that portion of the captured net tax capacity to be retained by the City; increase in the total estimated public costs; or designation of additional property to be acquired by the City shall be approved only after satisfying all the necessary requirements for approval of the original TIF Plan. This paragraph does not apply if: SPRINGSTED Page 11 City of Elk River, Minnesota (1) the only modification is elimination of parcels from the TIF District; and (2) the current net tax capacity of the parcels eliminated equals or exceeds the net tax capacity of those parcels in the TIF District's original net tax capacity, or the City agrees that the TIF District's original net tax capacity will be reduced by no more than the current net tax capacity of the parcels eliminated. The City must notify the County Auditor of any modification that reduces or enlarges the geographic area of the TIF District. The geographic area of the TIF District may be reduced but not enlarged after five years following the date of certification. Section AA Administration of the Tax Increment Financing Plan Upon adoption of the TIF Plan, the City shall submit a copy of such plan to the Minnesota Department of Revenue. The City shall also request that the County Auditor certify the original net tax capacity and net tax capacity rate of the TIF District. To assist the County Auditor in this process, the City shall submit copies of the TIF Plan, the resolution establishing the TIF District and adopting the TIF Plan, and a listing of any prior planned improvements. The City shall also send the County Assessor any assessment agreement establishing the minimum market value of land and improvements in the TIF District and shall request that the County Assessor review and certify this assessment agreement as reasonable. The County shall distribute to the City the amount of tax increment as it becomes available. The amount of tax increment in any year represents the applicable property taxes generated by the retained captured net tax capacity of the TIF District. The amount of tax increment may change due to development anticipated by the TIF Plan, other development, inflation of property values, or changes in property classification rates or formulas. In administering and implementing the TIF Plan, the following actions should occur on an annual basis: (1) prior to July 1, the City shall notify the County Assessor of any new development that has occurred in the TIF District during the past year to ensure that the new value will be recorded in a timely manner. (2) if the County Auditor receives the request for certification of a new TIF District, or for modification of an existing TIF District, before July 1, the request shall be recognized in determining local tax rates for the current and subsequent levy years. Requests received on or after July 1 shall be used to determine local tax rates in subsequent years. (3) each year the County Auditor shall certify the amount of the original net tax capacity of the TIF District. The amount certified shall reflect any changes that occur as a result of the following: (a) the value of property that changes from tax-exempt to taxable shall be added to the original net tax capacity of the TIF District. The reverse shall also apply; (b) the original net tax capacity may be modified by any approved enlargement or reduction of the TIF District; (c) if laws governing the classification of real property cause changes to the percentage of estimated market value to be applied for property tax purposes, then the resulting increase or decrease in net tax capacity shall be applied proportionately to the original net tax capacity and the retained captured net tax capacity of the TIF District. SPRINGSTED Page 12 City of Elk River, Minnesota The County Auditor shall notify the City of all changes made to the original net tax capacity of the TIF District. Section AB Filing TIF Plan, Financial Reporting and Disclosure Requirements The City will file the TIF Plan, and any subsequent amendments thereto, with the Commissioner of Revenue and the Office of the State Auditor pursuant to Minnesota Statutes, Section 469.175, subdivision 4A. The City will comply with all reporting requirements for the TIF District under Minnesota Statutes, Section 469.175, subdivisions 5 and 6. SPRINGSTED Page 13 Exhibit 1 Map of Tax Increment Financing (Economic Development) District No. 26 Elks. KYvcr p un d Se Ve Mea Palce16(1-24-2O171 Pall Nea6 I c 0 Economic Developr TIF District 425 If n anv� thlm. &re�xc.4xW Exhibit 11 Assumptions Report City of Elk River, Minnesota Tax Increment Financing (Economic Development) District No. 26 Shoot Steel, INC Draft TIF Plan Exhibits Type of Tax Increment Financing District Economic Development Maximum Duration of TIF District 8 years from 1st increment Projected Certification Request Date Decertification Date Base Estimated Market Value Original Net Tax Capacity * Base Estimated Market Value Increase in Estimated Market Value Total Estimated Market Value Total Net Tax Capacity 11 /01 /20 12/31/30 (9 Years of Increment) 2020/2021 $378,100 $6, 812 Assess ment/Collection Year 2020/2021 2021 /2022 2022/2023 2023/2024 $378,100 $378,100 $378,100 $378,100 0 971,000 1,011,473 1,053,160 378,100 1,349,100 1,389,573 1,431,260 $6,812 $26,232 City of Elk River 46.241% Sherburne County 47.426% ISD #728 34.371% Other 2.533% Local Tax Capacity Rate $27, 041 $27, 875 130.571 % 2019/2020 Fiscal Disparities Contribution From TIF District NA Administrative Retainage Percent (maximum = 10%) 10.00% Pooling Percent 0.00% Bonds PayGO Note Bonds Dated NA Note Dated 02/01/21 Bond Issue @ 0.00% (NIC) NA Note Rate 4.00% Eligible Project Costs NA Note Amount $190,000 Present Value Date & Rate 02/01/21 4.00% Present Value Amount $192,196 Notes Assumptions assume no change to future tax rates, class rates, and a 3% annual MV inflator is assumed Calculations include payable 2020 final tax capacity rates Total EMV upon completion based on value estimates for new business * Base EMV of property as provided by Sherburne County property taxes Exhibit /// Projected Tax Increment Report City of Elk River, Minnesota Tax Increment Financing (Economic Development) District No. 26 Shoot Steel, INC Draft TIF Plan Exhibits Annual Period Ending (1) Total Estimated Market Value (') (2) Total Net Tax Capacity (2) (3) Less: Original Net Tax Capacity (3) (4) Retained Captured Net Tax Capacity (5) Times: Tax Capacity Rate (4) (6) Annual Gross Tax Increment (7) Less: State Aud. Deduction 0.360% (8) Subtotal Net Tax Increment (9) Less: Admin. Retainage 10.00% (10) Annual Net Revenue (11) P.V. Annual Net Rev. To 02/01/21 4.00% 12/31 /20 378,100 6,812 6,812 0 130.571 % 0 0 0 0 0 0 12/31 /21 378,100 6,812 6,812 0 130.571 % 0 0 0 0 0 0 12/31 /22 1,349,100 26,232 6,812 19,420 130.571 % 25,357 91 25,266 2,527 22,739 21,300 12/31 /23 1,389,573 27,041 6,812 20,229 130.571 % 26,415 95 26,320 2,632 23,688 21,336 12/31/24 1,431,260 27,875 6,812 21,063 130.571% 27,502 99 27,403 2,740 24,663 21,359 12/31 /25 1,474,198 28,734 6,812 21,922 130.571 % 28,624 103 28,521 2,852 25,669 21,376 12/31 /26 1,518,424 29,618 6,812 22,806 130.571 % 29,779 107 29,672 2,967 26,705 21,383 12/31 /27 1,563,977 30,530 6,812 23,718 130. 571 % 30,968 ill 30,857 3,086 27,771 21,381 12/31 /28 1,610,896 31,468 6,812 24,656 130.571 % 32,194 116 32,078 3,208 28,870 21,373 12/31 /29 1,659,223 32,434 6,812 25,622 130.571 % 33,456 120 33,336 3,334 30,002 21,356 12/31/30 1,709,000 33,430 6,812 26,618 130.571% 34,755 125 34,630 3,463 31,167 21,332 $269,050 $967 $268,083 $26,809 $241,274 $192,196 value based on estimate provided by City for the anticipated construction of newbusinesses and possible existing business expansions (2) tax capacity based on commercial -industrial class rate of 1.50% for first $150,000 of value and 2% for value above $150,000 (3) original net tax capacity will be based on existing land and building values and commercial -industrial class rate for payable 2021 (4) combined local tax capacity rate of City of Elk River, ISD 728 and Sherburne County for payable 2020 Exhibit IV Estimated Impact on Other Taxing Jurisdictions Report City of Elk River, Minnesota Tax Increment Financing (Economic Development) District No. 26 Shoot Steel, INC Draft TIF Plan Exhibits Without Project or TIF District With Project and TIF District Projected Hypothetical 2019/2020 2019/2020 Retained New Hypothetical Hypothetical Tax Generated Taxable 2019/2020 Taxable Captured Taxable Adjusted Decrease In by Retained Taxing Net Tax Local Net Tax Net Tax Net Tax Local Local Captured Jurisdiction Capacity (1) Tax Rate Capacity (1) + Capacity = Capacity Tax Rate (*) Tax Rate (*) N.T.C. (*) City of Elk River 27, 823, 086 46.241 % 27, 823, 086 $26, 618 27, 849, 704 46.197% 0.044% 12,297 Sherburne County 106,729,866 47.426% 106,729,866 26,618 106,756,484 47.414% 0.012% 12,621 IS D #728 41, 735, 916 34.371 % 41, 735, 916 26,618 41, 762, 534 34.349% 0.022% 9,143 Other (2) --- 2.533% --- 26,618 --- 2.533% --- --- Totals 130.571% 130.493% 0.078% * Statement 1: If the projected Retained Captured Net Tax Capacity of the TIF District was hypothetically available to each of the taxing jurisdictions above, the result would be a lower local tax rate (see Hypothetical Adjusted Tax Rate above) which would produce the same amount of taxes for each taxing jurisdiction. In such a case, the total local tax rate would decrease by 0.078% (see Hypothetical Decrease in Local Tax Rate above). The hypothetical tax that the Retained Captured Net Tax Capacity of the TIF District would generate is also shown above. Statement 2: Since the projected Retained Captured Net Tax Capacity of the TIF District is not available to the taxing jurisdictions, then there is no impact on taxes levied or local tax rates. (1) Taxable net tax capacity = total net tax capacity - captured TIF - fiscal disparity contribution, if applicable. (2) The impact on these taxing jurisdictions is negligible since they represent only 1.94% of the total tax rate. Exhibit V Market Value Analysis Report City of Elk River, Minnesota Tax Increment Financing (Economic Development) District No. 26 Shoot Steel, INC Draft TIF Plan Exhibits Assumptions Present Value Date P.V. Rate - Gross T.I. 02/01 /21 4.00% Increase in EMV With TIF District Less: P.V of Gross Tax Increment Subtotal Less: Increase in EMV Without TIF Difference $1,330,900 214,321 $1,116, 579 0 $1,116,579 Annual Present Gross Tax Value @ Year Increm ent 4.00% 1 2022 25,357 23,752 2 2023 26,415 23,792 3 2024 27,502 23,818 4 2025 28,624 23,836 5 2026 29,779 23,844 6 2027 30,968 23,843 7 2028 32,194 23,833 8 2029 33,456 23,815 9 2030 34,755 23,788 $269,050 $214,321 TAX INCREMENT DEVELOPMENT AGREEMENT BY AND BETWEEN THE CITY OF ELK RIVER, MINNESOTA AND MOYER PROPERTIES, LLC This document drafted by: Kennedy & Graven, Chartered 470 U.S. Bank Plaza 200 South 6th Street Minneapolis, MN 55402 TABLE OF CONTENTS ARTICLE I DEFINITIONS...................................................................................................... 2 Section 1.1 Definitions.............................................................................................. 2 ARTICLE II REPRESENTATIONS AND WARRANTIES...................................................... 5 Section 2.1 Representations and Warranties of the City ............................................. 5 Section 2.2 Representations and Warranties of the Developer ................................... 5 ARTICLE III UNDERTAKINGS BY DEVELOPER AND CITY ............................................ 7 Section 3.1 Costs of the Project................................................................................. 7 Section 3.2 Reimbursement: TIF Note...................................................................... 7 Section 3.3 Effect of Delay....................................................................................... 8 Section 3.4 Business Subsidy Law............................................................................ 9 Section 3.5 Real Property Taxes............................................................................. 10 Section3.6 ............................................................................................................. 10 Section 3.7 Change in Use of Minimum Improvements ........................................... 10 Section 3.8 Legal and Administrative Expenses...................................................... 11 Section 3.9 Compliance with Environmental Requirements...................................101 Section 3.10 Right to Collect Delinquent Taxes.......................................................102 ARTICLE IV PROJECT COVENANTS................................................................................. 13 Section 4.1 Construction and Completion of Improvements by the Developer......... 13 Section 4.2 Certificate of Completion..................................................................... 13 Section4.3 Insurance.............................................................................................. 14 Section 4.4 Condemnation, Damage or Destruction ................................................ 15 ARTICLE V PROHIBITS AGAINST ASSIGNMENT AND TRANSFER ............................. 13 Section 5.1 Transfer of Substantially All Assets ...................................................... 17 Section 5.2 Prohibition Against Transfer of Property and Assignment of TIF Note..................................................................................................... 17 ARTICLE VI EVENTS OF DEFAULT.................................................................................. 19 Section 6.1 Events of Default Defined.................................................................... 19 Section 6.2 Remedies on Default............................................................................ 20 Section 6.3 No Remedy Exclusive.......................................................................... 20 Section 6.4 No Implied Waiver............................................................................... 20 Section 6.5 Agreement to Pay Attorney's Fees and Expenses .................................. 20 Section 6.6 Indemnification of City......................................................................... 20 ARTICLE VII ADDITIONAL PROVISIONS........................................................................ 22 Section 7.1 Conflicts of Interest.............................................................................. 22 Section 7.2 Titles of Articles and Sections.............................................................. 22 Section 7.3 Notices and Demands........................................................................... 22 Section7.4 Counterparts......................................................................................... 22 Section 7.5 Law Governing..................................................................................... 22 Section7.6 Expiration............................................................................................. 22 Section 7.7 Provisions Surviving Rescission or Expiration ...................................... 23 Section7.8 Amendment.......................................................................................... 23 LL185\61\675612.v1 Page EXHIBIT A Description of Development Property A-1 EXHIBIT B Form of TIF Note................................................................................................B-1 EXHIBIT C Certificate of Completion.................................................................................... C-1 2356261v4 ll LL185\61\675612.v1 TAX INCREMENT DEVELOPMENT AGREEMENT THIS TAX INCREMENT DEVELOPMENT AGREEMENT (the "Agreement"), made as of the 5th day of October, 2020, by and between the City of Elk River, Minnesota, a municipal corporation organized and existing under the Constitution and laws of the State of Minnesota (the "City") and Moyer Properties, LLC, a Minnesota limited liability company (the "Developer"). WITNESSETH: WHEREAS, the City has undertaken a program to promote economic development and job opportunities and to promote the development of land which is underutilized within the City, and in connection therewith created a development project known as Development District No. 1 (the "Development District") and developed a Development Program (the "Development Program") therefor pursuant to Minnesota Statutes, Sections 469.124 to 469.134, as; and WHEREAS, pursuant to the provisions of Minnesota Statutes, Sections 469.174 through 469.1794, as amended (the "TIF Act"), the City has created, within the Development District, Tax Increment Financing (Economic Development) District No. 26 (Shoot Steel, Inc. Project) qualified as an economic development tax increment financing district (the "TIF District") and has adopted a Tax Increment Financing Plan therefor (the "TIF Plan") approved by the City Council on October 5, 2020 which provides for the use of tax increment financing in connection with certain development within the Development District and TIF District; and WHEREAS, in order to achieve the objectives of the Development Program (as hereinafter defined) and particularly to make the land in the Development District available for development by private enterprise in conformance with the Development Program, the City has determined to assist the Developer with the financing of certain costs of certain Minimum Improvements (as hereinafter defined) to be constructed within the TIF District as more particularly set forth in this Agreement; and WHEREAS, the City believes that the development and construction of the Minimum Improvements, and fulfillment of this Agreement are vital and are in the best interests of the City, the health, safety, morals and welfare of residents of the City, and in accordance with the public purpose and provisions of the applicable state and local laws and requirements under which the Minimum Improvements has been undertaken and is being assisted; and WHEREAS, the requirements of the Business Subsidy Law, Minnesota Statutes, Section 116J.993 through 116J.995, as amended, apply to this Agreement; and WHEREAS, the City has adopted criteria for awarding business subsidies that comply with the Business Subsidy Law, after a public hearing for which notice was published; and WHEREAS, the City Council has approved this Agreement as a subsidy agreement under the Business Subsidy Law and held a duly noticed public hearing thereon. LL185\61\675612.v1 NOW, THEREFORE, in consideration of the premises and the mutual obligations of the parties hereto, each of them does hereby covenant and agree with the other as follows: ARTICLE I DEFINITIONS Section 1.1 Definitions. All capitalized terms used and not otherwise defined herein shall have the following meanings unless a different meaning clearly appears from the context: Agreement means this Tax Increment Development Agreement, as the same may be from time to time modified, amended or supplemented; Benefit Date means the date on which a certificate of occupancy is issued by the City for the Minimum Improvements; Business Day means any day except a Saturday, Sunday or a legal holiday or a day on which banking institutions in the City are authorized by law or executive order to close; Business Subsidy Law means Minnesota Statutes, Sections 116J.993 to 116J.995, as amended, in effect as of the date hereof, City means the City of Elk River, Minnesota; Condemnation Award means any compensation for a condemnation or transfer in relation to the exercise of a power of eminent domain; Construction Plans means the plans, specifications, drawings and related documents of the construction work to be performed by the Developer on the Minimum Improvements and the Development Property and the plans (a) shall be as detailed as the plans, specifications drawings and related documents which are submitted to the building inspector of the City; (b) shall include at least the following: (1) site plan; (2) foundation plan; (3) basement plans; (4) floor plan for each floor; (5) cross sections of each (length and width); (6) elevations (all sides); (7) grading and drainage; and (8) landscape; and (c) shall be approved by the City in connection with the issuance of a building permit for the Minimum Improvements; CoqM means Sherburne County, Minnesota; Developer means Moyer Properties, LLC, a Minnesota limited liability company, its successors and assigns; Development District means Development District No. 1, as amended; Development Program means the Development Program for the Development District, as amended; Development Property means the real property located at 17565 Tyler Street NW in the City and legally described in Exhibit A attached to this Agreement; 2 LL185\61\675612.v1 Event of Default means any of the events described in Section 6.1 hereof, Land Acquisition means the acquisition of the Development Property by the Developer from The Economic Development Authority for the City of Elk River, Minnesota; Lease means the lease agreement between the Developer and the Tenant; Legal and Administrative Expenses means the fees and expenses incurred by the City in connection with the adoption and administration of the TIF Plan, the preparation and negotiation of this Agreement, and the issuance of the TIF Note; Minimum Improvements means acquisition, construction and equipping of an approximately 20,000 square foot warehouse facility including 3,000 square feet of office space to be located on the Development Property; Net Proceeds means any proceeds paid by an insurer to the Developer under a policy or policies of insurance required to be provided and maintained by the Developer pursuant to Article V of this Agreement and remaining after deducting all expenses (including fees and disbursements of counsel) incurred in the collection of such proceeds; Note Payment Date means each February 1 and August 1, commencing on August 1, 2022 and thereafter to and including the Termination Date; provided, that if any such Note Payment Date should not be a Business Day, the Note Payment Date shall be the next succeeding Business Day; Site Improvements means excavation, grading, filling, site development, curb and gutter, utility improvements and extensions, access and parking preparations to be undertaken by the Developer on the Development Property and any other improvements reimbursable with Tax Increments in accordance with the TIF Act determined in the sole discretion of the City; State means the State of Minnesota; Tax Increments means 90% of the tax increments derived from the Development Property which have been received and retained by the City in accordance with the provisions of the TIF Act, including without limitation Minnesota Statutes, Section 469.177, as amended; Tenant means Shoot Steel, Inc., a Minnesota corporation, its successors and assigns; Termination Date means the earlier of (i) February 1, 2031, (ii) the date the TIF Note is paid in full, (iii) the date on which the TIF District expires or is otherwise terminated, or (iv) the date this Agreement is terminated or rescinded in accordance with its terms; TIF Act means Minnesota Statutes, Sections 469.174 through 469.1794, as amended; TIF District means Tax Increment Financing (an Economic Development District) District No. 26 (Shoot Steel, Inc. Project), located within the Development District, which was qualified as an economic development district under the TIF Act; 3 LL185\61\675612.v1 TIF Plan means the tax increment financing plan approved for the TIF District by the City Council of the City; TIF Note means the Taxable Tax Increment Revenue Note (Shoot Steel, Inc. Project) to be executed by the City and delivered to the Developer pursuant to Article III hereof, a copy of which is attached hereto as Exhibit B; and Unavoidable Delays means delays, outside the control of the parry claiming its occurrence, which include but are not limited to those which are the direct result of strikes, other labor troubles, unavailability of materials, hazardous materials, terrorism, unusually severe or prolonged bad weather, acts of God, fire or other casualty to the Minimum Improvements, litigation commenced by third parties which, by injunction or other similar judicial action or by the exercise of reasonable discretion, directly results in delays, or acts of any federal, state or local governmental unit (other than the City) which directly result in delays. 4 LL185\61\675612.v1 ARTICLE II REPRESENTATIONS AND WARRANTIES Section 2.1 Representations and Warranties of the City. The City makes the following representations and warranties: (1) The City is a municipal corporation organized and existing under the Constitution and laws of the State of Minnesota and has the power to enter into this Agreement and carry out its obligations hereunder. (2) The subject TIF District is an "economic development district" within the meaning of Minnesota Statutes, Section 469.174, Subdivision 12, and was created, adopted and approved in accordance with the terms of the TIF Act. (3) The development contemplated by this Agreement is in conformance with the development objectives set forth in the Development Program. Land use permits shall be governed by City land use ordinances and specific land use approvals separate from this Agreement. (4) The City makes no representation or warranty, either express or implied, as to the Development Property or its condition or the soil conditions thereon, or that the Development Property shall be suitable for the Developer's purposes or needs. Section 2.2 Representations and Warranties of the Developer. The Developer makes the following representations and warranties: (1) The Developer is a Minnesota limited liability company, has power to enter into this Agreement and to perform its obligations hereunder and, by doing so, is not in violation of any provisions of its operating agreement, articles of organization or the laws of the State. (2) The Developer will cause the Minimum Improvements to be constructed in compliance with the terms of this Agreement, the Development Program, all issued permits for the Minimum Improvements and all local, state and federal laws and regulations (including, but not limited to, environmental, zoning, energy conservation, building code and public health laws and regulations). (3) The construction of the Minimum Improvements would not have been undertaken by the Developer, and in the opinion of the Developer would not be economically feasible within the reasonably foreseeable future, without the assistance and benefit to the Developer provided for in this Agreement. (4) 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 provision of any contractual restriction, evidence of indebtedness, agreement or instrument of whatever nature to which the Developer is now a party or by which it is bound, or constitutes a default under any of the foregoing. 5 LL185\61\675612.v1 (5) The Developer will reasonably cooperate with the City in resolution of any traffic, parking, trash removal or public safety problems on or adjacent to the Development Property which may arise in connection with the construction of the Minimum Improvements. (6) The financing commitments which the Developer has obtained to finance construction of the Minimum Improvements, together with the equity funds available to the Developer, together with financing to be provided by the City pursuant to this Agreement, will be sufficient to enable the Developer to successfully complete the Minimum Improvements. (7) The Developer has made its own projections of Tax Increments and revenues to be generated from the Minimum Improvements and of the Developer's return on investment and the Developer has not relied on any assumptions, calculations, determinations or conclusions made by the City, its governing body members, officers or agents, including the independent contractors, consultants and legal counsel, servants and employees thereof, with respect to the foregoing or in determining to proceed with the Minimum Improvements. (8) The Developer is not currently in default under any business subsidy agreement with any grantor, as such terms are defined in the Business Subsidy Act. m LL185\61\675612.v1 ARTICLE III UNDERTAKINGS BY DEVELOPER AND CITY Section 3.1 Costs of the Project. The Developer agrees that it will acquire the Development Property and cause the Minimum Improvements to be constructed on the Development Property substantially in conformance with the approved Construction Plans and as further provided in Article IV. The Developer agrees that the scope and scale of the Minimum Improvements to be constructed shall not be significantly less than the scope and scale of the Minimum Improvements as detailed and outlined in the Construction Plans. Subject to Unavoidable Delays, the Developer shall cause construction of the Minimum Improvements to be commenced on or before October 31, 2020 and, barring Unavoidable Delays, the Minimum Improvements will be substantially completed by July 31, 2021. All work with respect to the Minimum Improvements to be constructed or provided by the Developer on the Development Property shall be in substantial conformity with the Construction Plans as submitted by the Developer and approved by the City in connection with the issuance of a building permit as further provided in Article IV. The parties agree that the acquisition of the land and construction of the Site Improvements to be constructed by the Developer is essential to the successful completion of the Minimum Improvements. The Developer shall pay or reimburse the City for Legal and Administrative Expenses upon execution of this Agreement as provided in Section 3.7. The cost of the Land Acquisition, Site Improvements and the Minimum Improvements shall be paid by the Developer. Solely as provided in Section 3.2, the City shall reimburse the Developer for the lesser of $190,000 or the costs of the Land Acquisition and Site Improvements actually paid by the Developer substantiated under Section 3.2 hereof (the "Reimbursement Amount"). All costs of the Land Acquisition and Site Improvements in excess of the Reimbursement Amount are the sole responsibility of the Developer. Section 3.2 Reimbursement: TIF Note. The City shall reimburse the Developer for costs of the Land Acquisition and Site Improvements, in part, through the issuance of the City's TIF Note in substantially the form attached to this Agreement as Exhibit B in an amount not to exceed $190,000 subject to the following conditions: (1) Provided that no Event of Default shall have occurred and be continuing, the TIF Note shall be dated (the "Issuance Date"), issued in a principal amount equal to the Reimbursement Amount and delivered to the Developer when: (a) The Developer shall be in material compliance with all terms and provisions of this Agreement; (b) The Developer has submitted signed settlement statements showing the cost of the Land Acquisition and paid invoices or other evidence reasonably satisfactory to the City showing the costs of construction of the Site Improvements in an amount, together with the Land Acquisition costs, not less than the Reimbursement Amount; (c) The Developer shall have completed construction of the Minimum Improvements as evidenced by a Certificate of Completion issued by the City pursuant to Section 4.2; and 7 LL185\61\675612.v1 (d) The Developer shall have provided a copy of the Lease for a term of at least 15 years and including language requiring the Tenant to comply with Section 3.4 hereof. (2) Except during any period that the payments on the TIF Note have been suspended, the outstanding principal amount of the TIF Note shall accrue simple, non - compounding interest from and after the Issuance Date at the rate of 4.0% per annum,. (3) The TIF Note shall be payable solely and exclusively from the Tax Increments. (4) On each Note Payment Date and subject to the provisions of the TIF Note, the City shall pay, solely from the Tax Increments received by the City during the preceding 6 months (or, with respect to the first Note Payment Date, in the period commencing on the date of issuance of the TIF Note through the day prior to the first Note Payment Date) to the extent of the outstanding principal amount of the TIF Note. All such payments shall be applied first to accrued interest and then to the payment of the principal of the TIF Note. (5) The TIF Note shall be a special and limited obligation of the City and not a general obligation of the City, and only Tax Increments shall be used to pay the principal amount of the TIF Note. The City makes no representations or warranties regarding the amount of Tax Increments or that revenues pledged to the TIF Note will be sufficient to pay the principal of and interest on the TIF Note. The Developer further acknowledges that estimates of Tax Increments prepared by the City or its financial advisors in connection with the TIF District or this Agreement are for the benefit of the City, and are not intended as representations on which the Developer may rely. (6) The City's obligation to make payments on the TIF Note on any Note Payment Date or any date thereafter shall be conditioned upon the requirement that there shall not at that time be an Event of Default that has occurred and is continuing under this Agreement or if the City notifies the Developer that it is not in compliance with any issued permits for the Minimum Improvements. (7) All conditions for delivery of the TIF Note must be met by no later than the date 5 years after the date of certification of the TIF District. If the conditions for delivery of the TIF Note are not satisfied by the date described in this paragraph, the City has no further obligations under this Section 3.2. (8) The TIF Note shall be governed by and payable pursuant to the additional terms thereof, as set forth in Exhibit B. In the event of any conflict between the terms of the TIF Note and the terms of this Section 3.2, the terms of the TIF Note shall govern. The issuance of the TIF Note pursuant and subject to the terms of this Agreement, and the taking by the City of such additional actions as bond counsel for the City may require in connection therewith, are hereby authorized and approved by the City. Section 3.3 Effect of Delay. The Developer acknowledges that if construction of the Minimum Improvements is delayed or not completed, the effect of such delay or failure to complete may be to reduce the amount of the Tax Increment available to pay the TIF Note. 8 LL185\61\675612.v1 Section 3.4 Business Subsidv Law. (1) In order to satisfy the provisions of Minnesota Statutes, Sections 116J.993 to 116J.995 (the "Business Subsidies Act"), the Developer acknowledges and agrees that the amount of the "Business Subsidy" granted to the Developer under this Agreement is the amount of the tax increment assistance paid pursuant to Section 3.2, which is approximately $190,000, and that the Business Subsidy is needed because the Minimum Improvements are not sufficiently feasible for the Developer to undertake without the Business Subsidy. The public purpose of the Business Subsidy is to construct the Minimum Improvements and enable the Developer to locate a warehouse facility in the City increasing the tax base in the City and the State and stimulate construction and the creation of jobs, including construction jobs. The Developer further represents that, pursuant to the Lease between the Developer and the Tenant, the Tenant has agreed that, it will meet the following job creation goals (the "Goals"): It will in relocate 7 full- time and 1 part-time existing jobs to the Development Property and create at least 6 full-time equivalent jobs at an average salary of at least $18/hour excluding benefits, within two years from the Benefit Date ("Jobs"). (2) If none of the Goals are met, the Developer agrees to repay all of the Business Subsidy to the City, plus interest ("Interest") set at the implicit price deflator defined in Minnesota Statutes, Section 275.70, Subdivision 2, accruing from and after the Benefit Date, compounded semiannually. If the Goals are met in part, the Developer will repay a portion of the Business Subsidy (plus Interest) determined by multiplying the Business Subsidy by a fraction, the numerator of which is the number of jobs in the Goals which were not created at the wage level set forth above and the denominator of which is 13.5 (i.e. the number of Jobs set forth in the Goals). (3) The Tenant has agreed, pursuant to the Lease with the Developer, to (i) report its progress on achieving the Goals to the City until the later of the date the Goals are met or two years from the Benefit Date, or, if the Goals are not met, until the date the Business Subsidy is repaid, (ii) include in the report the information required in Section 116J.994, Subdivision 7 of the Business Subsidies Act on forms developed by the Minnesota Department of Employment and Economic Development, and (iii) send completed reports to the City. The Developer agrees to file or cause the Tenant to file these reports no later than March 1 of each year commencing March 1, 2021, and within 30 days after the deadline for meeting the Goals. The City agrees that if it does not receive the reports, it will mail the Developer a warning within one week of the required filing date. If within 14 days of the post marked date of the warning the reports are not made, the Developer agrees to pay to the City a penalty of $100 for each subsequent day until the report is filed up to a maximum of $1,000. (4) The Tenant has agreed, pursuant to the Lease with the Developer, to continue operations at the Minimum Improvements for at least 5 years after the Benefit Date. (5) Other than the tax increment assistance paid pursuant to Section 3.2 there are no other state or local government agencies providing financial assistance for the Minimum Improvements other than the City. (6) There is no parent corporation of the Developer or the Tenant. 9 LL185\61\675612.v1 Section 3.5 Real Property Taxes. The Developer shall pay or cause to be paid all real property taxes payable with respect to all and any parts of the Development Property acquired and owned by it and any statutory or contractual duty that shall accrue subsequent to the date of its acquisition of title to the Development Property (or part thereof) and until the Developer's obligations have been assumed by any other Person pursuant to the provisions of this Agreement or title to the property is vested in another Person. The Developer agrees that prior to the Termination Date, so long as it owns all or any portion of the Development Property: (1) It will not seek administrative review or judicial review of the applicability or constitutionality of any tax statute relating to the taxation of real property contained on the Development Property determined by any tax official to be applicable to the Minimum Improvements or the Developer or raise the inapplicability or constitutionality of any such tax statute as a defense in any proceedings, including delinquent tax proceedings; provided, however, that "tax statute" does not include any local ordinance or resolution levying a tax; and (2) It will not seek any tax exemption, tax deferral or abatement, either presently or prospectively authorized under Minnesota Statutes, Section 469.1813 through 469.1815, or any other State or federal law, of the taxation of real property contained in the Development Property between the date of execution of this Agreement and the Termination Date. (3) The Developer shall notify the City within 10 days of filing any petition to seek reduction in market value or property taxes on any portion of the Development Property under any State law (referred to as a "Tax Appeal"). If as of any Payment Date, any Tax Appeal is then pending, the City will continue to make payments on the TIF Note but only to the extent that the Tax Increments relate to property taxes paid with respect to the market value of the Development Property not being challenged as part of the Tax Appeal and the City will withhold the Tax Increments related to property taxes paid with respect to the market value of the Development Property being challenged as part of the Tax Appeal, all as determined by the City in its sole discretion. The City will apply any withheld amount to the extent not reduced as a result of the Tax Appeal promptly after the Tax Appeal is fully resolved and the amount of Tax Increments, as applicable, attributable to the disputed tax payments is finalized. Section 3.6 Change in Use of Minimum Improvements. The Developer agrees that for itself, and its successors and assigns, until the Termination Date, it shall devote the Development Property to, and in accordance with, the uses described in this Agreement. The Developer warrants that the use of the Development Property during the term of this Agreement will be a warehouse facility with office space consisting of less than 15% of the total square footage of the facility pursuant to the Lease, unless the City first approves any change in use in writing. If the Developer fails to comply with the requirements of this Section 3.6, the City will decertify the TIF District and cease payments to the Developer on the TIF Note. Section 3.7 Legal and Administrative Expenses. (1) The Developer shall be solely responsible for all costs incurred by the Developer. 10 LL185\61\675612.v1 (2) In addition, the Developer shall be responsible for the City's Legal and Administrative Expenses. In addition, certain engineering, environmental advisor, legal, land use, zoning, subdivision and other costs related to the development of the Development Property are required to be paid, or additional funds deposited in escrow, in accordance with the City's fee schedule. (3) The Developer has previously deposited $10,000 with the City for the payment or reimbursement of the City's reasonable Legal and Administrative Expenses incurred prior to the full execution and acceptance of this Agreement. If at any time the City determines that the amount deposited by Developer will be insufficient to pay the City's Legal and Administrative Expenses, the City may notify the Developer in writing as to any additional amount required to be deposited. The Developer must deposit such additional funds within 10 business days after receipt of the City's notice. The City will notify the Developer at any point when it has received invoices for Legal and Administrative Expenses equal, in aggregate, to $10,000 and the Developer shall notify the City whether it is willing to incur additional Legal and Administrative Expenses. If the Developer fails to notify the City of its willingness to continue to incur additional Legal and Administrative Expenses within 10 days, the City will instruct all Legal and Administrative Expenses service providers to discontinue further work and submit final invoices which the Developer shall reimburse the City for reasonable Legal and Administrative Expenses within 10 business days after receipt of the City's notice even if the remaining Legal and Administrative Expenses exceed $10,000 as a result of work done prior to the notification to discontinue work. (4) Any funds deposited by Developer and not expended by the City for its Legal and Administrative Expenses will be returned to the Developer upon the issuance of the Certificate of Completion. (5) This Section 3.7 shall survive termination of this Agreement and shall be binding on the Developer regardless of the enforceability of any other provision of this Agreement. Section 3.8 Compliance with Environmental Requirements. (1) The Developer shall comply with all applicable local, state, and federal environmental laws and regulations, and will obtain, and maintain compliance under, any and all necessary environmental permits, licenses, approvals or reviews. (2) The City makes no warranties or representations regarding, nor does it indemnify the Developer with respect to, the existence or nonexistence on or in the vicinity of the Development Property or anywhere within the TIF District of any toxic or hazardous substances or wastes, pollutants or contaminants (including, without limitation, asbestos, urea formaldehyde, the group of organic compounds known as polychlorinated biphenyls, petroleum products including gasoline, fuel oil, crude oil and various constituents of such products, or any hazardous substance as defined in the Comprehensive Environmental Response, Compensation and Liability Act of 1980 ("CERCLA"), 42 U.S.C. §§ 961-9657, as amended) (collectively, the "Hazardous Substances"). 11 LL185\61\675612.v1 (3) The Developer agrees to take all necessary action to remove or remediate any Hazardous Substances located on the Development Property to the extent required by and in accordance with all applicable local, state and federal environmental laws and regulations. Section 3.9 Right to Collect Delinquent Taxes. The Developer acknowledges that the City is providing substantial aid and assistance in furtherance of the Project through reimbursement of a portion of the costs of the Land Acquisition and Site Improvements. To that end, the Developer agrees for itself, its successors and assigns, that in addition to the obligation pursuant to statute to pay real estate taxes, it is also obligated by reason of this Agreement, to pay before delinquency all real estate taxes assessed against the Development Property and the Project. The Developer acknowledges that this obligation creates a contractual right on behalf of the City through the Termination Date to sue the Developer or its successors and assigns, to collect delinquent real estate taxes related to the Development Property and any penalty or interest thereon and to pay over the same as a tax payment to the county auditor. In any such suit in which the City is the prevailing party, the City shall also be entitled to recover its costs, expenses and reasonable attorney fees. 12 LL185\61\675612.v1 ARTICLE IV PROJECT COVENANTS Section 4.1 Construction and Completion of Improvements by the Developer. (1) The Developer agrees to construct at its expense the Minimum Improvements substantially in accordance with the Construction Plans. Prior to the completion of the Minimum Improvements, the Developer shall submit any material design modifications for the Minimum Improvements, including but not limited to material changes to the size of the Minimum Improvements, the number of parking spaces, exterior materials, color pallet or the quality of materials, to the City for review and reasonable approval by the City. (2) The Developer will obtain or cause Tenant to obtain all permits, licenses and approvals, when and as required, and shall construct, operate and maintain the Minimum Improvements at its expense, substantially in accordance with this Agreement, any applicable permits, and with all applicable local, state and federal laws and regulations (including without limitation environmental, zoning, building code, housing code, and public health laws and regulations). (3) The Developer will use commercially reasonable efforts to obtain all required permits, licenses and approvals, and comply with all 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 and completed. (4) The Developer shall pay or cause to be paid all costs of the Minimum Improvements, including without limitation the abatement of hazardous materials, the demolition of any improvements on the Development Property, the relocation or removal of any utilities, required sidewalk, alley or street construction or reconstruction, landscaping and streetlighting and any other improvements located in the public right of way that are required in connection with approving the Construction Plans or obtaining any required permits, licenses and approvals for the Minimum Improvements. (5) The Developer shall pay or cause to be paid all costs of any damage to roadways, sidewalks, streets, alleys utilities, landscaping, streetlighting or any other improvements located in the public right of way caused by the Developer or its contractors or agents or otherwise in connection with the construction of the Minimum Improvements. (6) The Minimum Improvements shall be operated and maintained in accordance with this Agreement, with any applicable permits and with all applicable local, state and federal laws and regulations (including without limitation environmental, zoning, building code, housing code, and public health laws and regulations). Section 4.2 Certificate of Completion. The Developer shall notify the City when construction of the Minimum Improvements have been substantially completed. The City shall, within 30 days after such notification, inspect the Minimum Improvements in order to determine whether the Minimum Improvements have been substantially completed and constructed in accordance with all applicable local, state and federal laws and regulations (including without 13 LL185\61\675612.v1 limitation environmental, zoning, building code, housing code, and public health laws and regulations), and any applicable permits and in substantial conformity with this Agreement, and the Construction Plans approved by the City in connection with issuing construction permits, each as applicable. The following shall be conditions precedent to the City's obligation to execute the Certificate of Completion: (1) There shall exist no Event of Default hereunder; (2) The City shall have issued a certificate of occupancy for all of the Minimum Improvements, including all Tenant improvements sufficient to make the Minimum Improvements operable by the Tenant in accordance with the Lease; (3) The City Administrator and City Engineer on behalf of the City shall have reasonably determined in a timely manner and consistent with the City's practice for similar construction projects that the Minimum Improvements have been substantially completed and constructed in accordance with all local, state and federal laws and regulations (including without limitation environmental, zoning, building code, housing code, and public health laws and regulations), and in substantial conformity with this Agreement and the Construction Plans approved by the City in connection with issuing construction permits, each as applicable. If the City determines that it cannot execute the Certificate of Completion as set forth in Section 4.2, it shall, within 45 days after the Developer's written request for the Certificate of Completion, provide a written statement indicating in adequate detail why it cannot do so and also indicating what measures or acts will be necessary to be taken or performed in order to permit execution of the Certificate of Completion. The Developer shall have a reasonable period of time to remedy such deficiencies. The City shall re -inspect the Minimum Improvements within 30 days after receiving notice that such deficiencies have been remedied in order to determine whether the conditions set forth above have been satisfied. Within 30 days after determining that the Minimum Improvements have met the conditions set forth in this Section 4.2, the City will furnish to the Developer a Certificate of Completion in the form attached hereto as Exhibit C, which shall then be a conclusive determination of satisfaction and termination of the agreements and covenants in this Agreement with respect to the completion of the Minimum Improvements. Section 4.3 Insurance. (1) The Developer will maintain or cause its contractor to provide and maintain, at all times during the process of constructing the Minimum Improvements, a "Special Form" Insurance Policy or Policies and, from time to time during that period, at the request of the City, furnish the City with appropriate certificates of insurance covering the following: (a) Builder's risk insurance, written on the so-called `Builder's Risk Completed Value Basis," in an amount equal to 100% of the insurable value of the Minimum Improvements at the date of substantial completion, and with coverage available in nonreporting form on the so-called "Special Form" form of policy (to accomplish the above -required insurance, a master or portfolio -based property insurance policy may be used); 14 LL185\61\675612.v1 (b) Commercial general liability insurance (including operations of subcontractors, completed operations and contractual liability insurance) 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 City shall be listed as an additional insured on the policy; and (c) Workers' compensation insurance, with statutory coverage. (2) Upon completion of construction of the Minimum Improvements and prior to the Termination Date, the Developer shall maintain, or cause to be maintained, at its cost and expense, and from time to time at the request of the City shall furnish proof of the payment of premiums on, insurance as follows: (a) Property insurance against physical loss and/or damage to the Minimum Improvements under a policy or policies covering such risks as are ordinarily insured against by similar businesses. (b) Commercial general public liability insurance, including personal injury liability, 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 shall be endorsed to show the City and City as additional insureds (to accomplish the above -required limits, an umbrella excess liability policy may be used). (c) Such other insurance in such amount as is customarily carried by like organizations engaged in like activities of comparable size and liability exposure, including workers' compensation insurance respecting all employees of Developer with statutory coverage. (3) All insurance required in this Article V of the Agreement shall be taken out and maintained in responsible insurance companies selected by the Developer that are authorized under the laws of the State to assume the risks covered thereby. Upon request, the Developer will deposit annually with the City material policies evidencing all such insurance, if requested by the City, or a certificate or certificates or binders of the respective insurers stating that such insurance is in force and effect. The Developer shall give written notice to the City at least 30 days before the effective date of any cancellation. In lieu of separate policies, Developer may maintain a single policy, blanket or umbrella policies, or a combination thereof, having the coverage required herein, in which event Developer shall deposit with the City a certificate or certificates of the respective insurers as to the amount of coverage in force upon the Minimum Improvements. Section 4.4 Condemnation, Damage or Destruction. In the event that title to and possession of the Minimum Improvements or any material part thereof shall be taken in condemnation or by the exercise of the power of eminent domain by any governmental body or other person (except the City) or the Minimum Improvements is damaged or destroyed, the Developer shall, with reasonable promptness after such taking, notify the City as to the nature and extent of such taking. Upon receipt of any Condemnation Award or insurance proceeds the Developer shall elect to either: (a) use the entire Condemnation Award or insurance proceeds to 15 LL185\61\675612.v1 reconstruct the Minimum Improvements (or, in the event only a part of Minimum Improvements have been taken, then to reconstruct such part) upon the remaining Development Property to the extent necessary to maintain and continue operations of the Tenant required by the Lease; or (b) in the event that the condemnation affects or taking or damage or destruction affects the Development Property but not the Minimum Improvements thereon, retain, for the account of the Developer, all of the Condemnation Award or insurance proceeds. 16 LL185\61\675612.v1 ARTICLE V PROHIBITIONS AGAINST ASSIGNMENT AND TRANSFER Section 5.1 Transfer of Substantially All Assets. Except as permitted by and subject to Section 5.2 hereof, as security for the obligations of the Developer under this Agreement, the Developer represents and agrees that prior to the Termination Date, the Developer will not dispose of all or substantially all of its assets; provided that the Developer may sell or otherwise transfer to any Person all or substantially all of its assets and thereafter be discharged from liability hereunder if the transferee Person assumes in writing all of the obligations of the Developer under this Agreement. Section 5.2 Prohibition Against Transfer of Property and Assignment of TIF Note. The Developer represents and agrees that prior to the Termination Date: (1) Except with respect to the Lease and otherwise only for the purpose of obtaining financing necessary to enable the Developer to perform its obligations with respect to acquiring the Development Property and constructing the Minimum Improvements under this Agreement and related improvements and any other purpose authorized by this Agreement, the Developer 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 (other than in the normal course of business), or any trust or power, or transfer in any other mode or form each a "Transfer") of or with respect to the Agreement, the TIF Note or the Development Property or any part thereof or any interest therein, or any contract or agreement to do any of the same, without the prior written approval of the City. This prohibition on Transfers shall not apply if Developer Transfers the Agreement, the TIF Note or the Development Property to any entity controlling, controlled by, or under common control with, Developer, which Transfer may be done by the Developer without limitation, upon (i) notice to the City and (ii) delivery to the City of all instruments and other legal documents involved in effecting the Transfer and, with respect to any Transfer of the TIF Note, the items listed in Section 5.2(2)(e). (2) The City shall be entitled to require, except with respect to those Transfers under Section 5.2(1) for which no consent from the City is required or as otherwise provided in the Agreement, as conditions to any such approval that: (a) Any proposed transferee shall have the qualifications and financial responsibility, in the reasonable judgment of the City, necessary and adequate to fulfill the obligations undertaken in this Agreement by the Developer. (b) Any proposed transferee, by instrument in writing satisfactory to the City and in form recordable among the land records, shall, for itself and its successors and assigns, and expressly for the benefit of the City, have expressly assumed all of the obligations of the Developer under this Agreement and agreed to be subject to all the conditions and restrictions to which the Developer is subject (unless the Developer agrees to continue to fulfill those obligations, in which case the preceding provisions of this Section 5.2(2)(b) shall not apply); provided, however, that the fact that any transferee of, or any other successor in interest whatsoever to, the Development Property, or any part 17 LL185\61\675612.v1 thereof, shall not, for whatever reason, have assumed such obligations or so agreed, shall not (unless and only to the extent otherwise specifically provided in this Agreement or agreed to in writing by the City) deprive the City of any rights or remedies or controls with respect to the Development Property or the construction of the Minimum Improvements under this Agreement; 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 Development 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 City of or with respect to any rights or remedies or controls provided in or resulting from this Agreement with respect to the Minimum Improvements that the City would have had under this Agreement, had there been no such transfer or change. In the absence of specific written agreement by the City to the contrary, no such transfer or approval by the City thereof shall be deemed to relieve the Developer, or any other parry bound in any way by this Agreement or otherwise with respect to the construction of the Minimum Improvements, from any of its obligations with respect thereto during the term of this Agreement. (c) There shall be submitted to the City for review and prior written approval all instruments and other legal documents involved in effecting the Transfer of any interest in this Agreement, the TIF Note or the Development Property governed by this Article V, other than matters approved herein. (d) No such transfer shall result in the termination of the Tenant's operations of the Minimum Improvements. (e) In any event, no Transfer of the TIF Note shall be effective unless the proposed transferee of the TIF Note shall (i) execute and deliver to the City the Acknowledgment Regarding TIF Note in the form included as Exhibit 1 to the TIF Note and (ii) surrender the TIF Note to the City either in exchange for a new fully registered note or for Transfer of the TIF Note on the registration records for the TIF Note maintained by the City. IN LL185\61\675612.v1 ARTICLE VI EVENTS OF DEFAULT Section 6.1 Events of Default Defined. The following shall be "Events of Default" under this Agreement and the term "Event of Default" shall mean whenever it is used in this Agreement any one or more of the following events, subject to applicable notice and cure periods: (1) Failure by the Developer to timely pay or cause to be paid any ad valorem real property taxes or special assessments assessed with respect to the Development Property. (2) Failure by the Developer to cause the construction of the Minimum Improvements to be completed pursuant to the terms, conditions and limitations of this Agreement and/or any issued permits for the Minimum Improvements. (3) If the Lease shall be terminated or the operations under the Lease discontinue at the Minimum Improvements. (4) Failure of the Developer to observe or perform any other covenant, condition, obligation or agreement on its part to be observed or performed under this Agreement. (5) The holder of any mortgage on the Development Property, or any improvements thereon, or any portion thereof, commences foreclosure proceedings as a result of any default under the applicable mortgage documents. (6) If the Developer shall: (a) file any petition in bankruptcy or for any reorganization, arrangement, composition, readjustment, liquidation, dissolution, or similar relief under the United States Bankruptcy Act of 1978, as amended or under any similar federal or state law; or (b) make an assignment for the benefit of its creditors; or (c) admit in writing its inability to pay its debts generally as they become due; or (d) be adjudicated as bankrupt or insolvent; or if a petition or answer proposing the adjudication of the Developer, as a bankrupt or its reorganization under any present or future federal bankruptcy act or any similar federal or state law shall be filed in any court and such petition or answer shall not be discharged or denied within 60 days after the filing thereof, or a receiver, trustee or liquidator of the Developer, or of the Minimum Improvements, or part thereof, shall be appointed in any proceeding brought against the Developer, and shall not be discharged within 60 days after such appointment, or if the Developer, shall consent to or acquiesce in such appointment. 19 LL185\61\675612.v1 Section 6.2 Remedies on Default. Whenever any Event of Default referred to in Section 6.1 occurs and is continuing, the City, as specified below, may take any one or more of the following actions after the giving of written notice to the Developer citing with specificity the item or items of default and notifying the Developer that it has 30 days within which to cure said Event of Default; provided, however, that if an Event of Default under Section 6.1, paragraph (2) or (4), cannot be cured within 30 days, then Developer shall have such additional time, not to exceed 180 days, as reasonably necessary to cure the Event of Default if Developer is diligently pursing the same to completion. If the Event of Default has not been cured within said time period: (1) The City may suspend its performance under this Agreement and the TIF Note until it receives written assurances from the Developer, deemed adequate by the City, that the Developer will cure its default and continue its performance under this Agreement, and no interest shall accrue on the TIF Note for the benefit of the Developer while performance is suspended in accordance with this Section 6.2. (2) The City may cancel and rescind this Agreement and the TIF Note. (3) The City may take any action, including legal or administrative action, in law or equity, which may appear necessary or desirable to enforce performance and observance of any obligation, agreement, or covenant of the Developer under this Agreement. Section 6.3 No Remedy Exclusive. No remedy herein conferred upon or reserved to the City is intended to be exclusive of any other available remedy or remedies, but each and every such remedy shall be cumulative and shall be in addition to every other remedy given under this Agreement or now or hereafter existing at law or in equity or by statute. No delay or omission to exercise any right or power accruing upon any default shall impair any such right or power or shall be construed to be a waiver thereof, but any such right and power may be exercised from time to time and as often as may be deemed expedient. Section 6.4 No Implied Waiver. In the event any agreement contained in this Agreement should be breached by any parry and thereafter waived by any other parry, such waiver shall be limited to the particular breach so waived and shall not be deemed to waive any other concurrent, previous or subsequent breach hereunder. Section 6.5 Agreement to Pay Attorney's Fees and Expenses. Whenever any Event of Default occurs and the City shall employ attorneys or incur other expenses for the collection of payments due or to become due or for the enforcement or performance or observance of any obligation or agreement on the part of the Developer herein contained, the Developer agrees that it shall, on demand therefor, pay to the City the reasonable fees of such attorneys and such other expenses so incurred by the City. Section 6.6 Indemnification of City. (1) The Developer releases from and covenants and agrees that the City, its governing body members, officers, agents, including the independent contractors, consultants and legal counsel, servants and employees thereof (hereinafter, for purposes of this Section, collectively the "Indemnified Parties") shall not be liable for and agrees to indemnify and hold harmless the 20 LL185\61\675612.v1 Indemnified Parties 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. (2) Except for any willful misrepresentation or any willful or wanton misconduct of the Indemnified Parties, the Developer agrees to protect and defend the Indemnified Parties, now and 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 the actions or inactions of the Developer (or if other persons acting on its behalf or under its direction or control) under this Agreement, or the transactions contemplated hereby or the Developer's acquisition, construction, installation, and ownership of the Minimum Improvements. (3) All covenants, stipulations, promises, agreements and obligations of the City contained herein shall be deemed to be the covenants, stipulations, promises, agreements and obligations of the City and not of any governing body member, officer, agent, servant or employee of the City, as the case may be. 21 LL185\61\675612.v1 ARTICLE VII ADDITIONAL PROVISIONS Section 7.1 Conflicts of Interest. No member of the governing body or other official of the City shall have any financial interest, direct or indirect, in this Agreement, the Development Property or the Minimum Improvements, or any contract, agreement or other transaction contemplated to occur or be undertaken thereunder or with respect thereto, nor shall any such member of the governing body or other official participate in any decision relating to the Agreement which affects his or her personal 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 City shall be personally liable to the City in the event of any default or breach by the Developer or successor or on any obligations under the terms of this Agreement. Section 7.2 Titles of Articles and Sections. Any titles of the several parts, articles and sections of the Agreement are inserted for convenience of reference only and shall be disregarded in construing or interpreting any of its provisions. Section 7.3 Notices and Demands. Except as otherwise expressly provided in this Agreement, a notice, demand or other communication under this Agreement by any parry to any other shall be sufficiently given or delivered if it is dispatched by registered or certified mail, postage prepaid, return receipt requested, or delivered personally, and at: (a) in the case of the Developer is addressed to or delivered personally to: Moyer Properties, LLC 2428 N Center Lane Center City, MN 55012-5501 Attn: Evan Moyer (b) in the case of the City is addressed to or delivered personally to the City City of Elk River, Minnesota 13065 Orono Parkway Elk River, Minnesota 55330 Attn: City Administrator or at such other address with respect to any such parry as that parry may, from time to time, designate in writing and forward to the other, as provided in this Section. Section 7.4 Counterparts. This Agreement may be executed in any number of counterparts, each of which shall constitute one and the same instrument. Section 7.5 Law Governing. This Agreement will be governed and construed in accordance with the laws of the State. Section 7.6 Expiration. This Agreement shall expire on the Termination Date. 22 LL185\61\675612.v1 Section 7.7 Provisions Surviving Rescission or Expiration. Sections 6.5 and 6.6 shall survive any rescission, and any termination or expiration of this Agreement with respect to or arising out of any event, occurrence or circumstance existing prior to the date thereof. Section 7.8 Amendment. This Agreement may be amended only by written agreement approved by the City and the Developer. 23 LL185\61\675612.v1 IN WITNESS WHEREOF, the City has caused this Agreement to be duly executed in its name and on its behalf, and the Developer has caused this Agreement to be duly executed in its name and on its behalf, on or as of the date first above written. CITY OF ELK RIVER, MINNESOTA By Its Mayor By Its City Clerk Signature page to Tax Increment Development Agreement S-1 LL185\61\675612.v1 MOYER PROPERTIES, LLC By Its Signature page to Tax Increment Development Agreement S-2 EL185\61\675612.v1 LL185\61\675612.v1 EXHIBIT A Description of Development Property The property located in the City of Elk River, Sherburne County, Minnesota legally described as: Lot 1, Block 2, Northstar Business Park, according to the recorded plat thereof, Sherburne County, Minnesota. PID 75-757-0205 E-1 EL185\61\675612.vl LL185\61\675612.v1 No. R-1 EXHIBIT B Form of TIF Note UNITED STATES OF AMERICA STATE OF MINNESOTA COUNTY OF SHERBURNE CITY OF ELK RIVER, MINNESOTA TAXABLE TAX INCREMENT REVENUE NOTE (SHOOT STEEL, INC. PROJECT) Rate Date of Issuance Principal Amount 4.0% , 20 $190,000 The City of Elk River, Minnesota (the "City"), hereby acknowledges itself to be indebted and, for value received, hereby promises to pay the amounts hereinafter described (the "Payment Amounts") to Moyer Properties, LLC (the "Developer") or its registered assigns (the "Registered Owner"), but only in the manner, at the times, from the sources of revenue, and to the extent hereinafter provided. The principal amount of this Note shall equal from time to time the principal amount stated above, as reduced to the extent that such principal installments shall have been paid in whole or in part pursuant to the terms hereof, provided that the sum of the principal amount listed above shall in no event exceed $190,000 as provided in that certain Tax Increment Development Agreement, dated as of October 5, 2020, as the same may be amended from time to time (the "TIF Agreement"), by and between the City and the Developer. Simple, non - compounding interest shall accrue on the outstanding principal amount of the Note at a rate equal to 4.0% per annum. Interest shall be computed on the basis of a 360 day year of twelve 30-day months. Capitalized terms not otherwise defined herein shall have the meanings set forth in the TIF Agreement. The amounts due under this Note shall be payable on each February 1 and August 1 commencing August 1, 2022 and thereafter to and including February 1, 2031, or, if the first should not be a Business Day (as defined in the TIF Agreement) the next succeeding Business Day (the "Payment Dates"). On each Payment Date the City shall pay by check or draft mailed to the person that was the Registered Owner of this Note at the close of the last business day of the City preceding such Payment Date an amount equal to the Tax Increments (hereinafter defined) received by the City during the 6-month period preceding such Payment Date (or, with respect to the first Note Payment Date, in the period commencing on the date of issuance of the TIF Note through the day prior to the first Note Payment Date). All payments made by the City under this Note shall be applied first to accrued interest and then to principal. This Note is pre- S-2 EL185\61\675612.vl LL185\61\675612.v1 payable by the City, without penalty, in whole or in part, on any date. Interest shall not accrue during the period of any suspension of payments in accordance with the TIF Agreement. The Payment Amounts due hereon shall be payable solely from 90% of tax increments (the "Tax Increments") from the Development Property within the City's Tax Increment Financing (an Economic Development District) District No. 26 (Shoot Steel, Inc. Project) (the "TIF District") within its Development District No. 1 which are actually paid to the City and which the City is entitled to retain pursuant to the provisions of Minnesota Statutes, Sections 469.174 through 469.1794, as the same may be amended or supplemented from time to time (the "TIF Act"). This Note shall terminate and be of no further force and effect following the earlier of (a) the last Payment Date defined above, (b) any date upon which the City shall have terminated the TIF Agreement in accordance with its terms, (c) the date the TIF District is terminated, or (d) the date that all principal and interest payable hereunder shall have been paid in full. The City makes no representation or covenant, express or implied, that the Tax Increments will be sufficient to pay, in whole or in part, the amounts which are or may become due and payable hereunder. In the event Tax Increments are not sufficient, the City is not responsible to further fund or reimburse the Developer (or its assigns or creditors) for any such shortfall. The City is not responsible to fund or reimburse any obligation of the Developer (or its assigns or creditors) unless expressly stated in the TIF Agreement. Subject to the terms of the TIF Agreement, the City's payment obligations hereunder shall be further conditioned on the fact that no Event of Default under the TIF Agreement shall have occurred and be continuing at the time payment is otherwise due hereunder, but such unpaid amounts shall become payable if said Event of Default shall thereafter have been cured; and further, if pursuant to the occurrence of an Event of Default under the TIF Agreement the City elects, subject to the provisions of Section 6.2 of the TIF Agreement, to cancel and rescind the TIF Agreement, the City shall have no further debt or obligation under this Note whatsoever. Reference is hereby made to all of the provisions of the TIF Agreement for a fuller statement of the rights and obligations of the City to pay the principal of and interest on this Note, and said provisions are hereby incorporated into this Note as though set out in full herein. This Note is a special, limited revenue obligation and not a general obligation of the City and is payable by the City only from the sources and subject to the qualifications stated or referenced herein. This Note is not a general obligation of the City, and neither the full faith and credit nor the taxing powers of the City are pledged to the payment of the principal of and interest on this Note and no property or other asset of the City, save and except the above -referenced Tax Increments, is or shall be a source of payment of the City's obligations hereunder. This Note is issued by the City in aid of financing the Construction of certain Minimum Improvements pursuant to and in full conformity with the Constitution and laws of the State of Minnesota, including the TIF Act. This Note may be assigned only with the consent of the City in accordance with the Development Agreement. The Note may only be assigned if the assignee shall (i) execute and S-3 EL185\61\675612.vl LL185\61\675612.v1 deliver to the City the Acknowledgment Regarding TIF Note in the form included in Exhibit 1 hereto and (ii) surrender this Note to the City either in exchange for a new fully registered Note or for transfer of this Note on the registration records for the Note maintained by the City. Each Registered Owner of this Note which assigns, transfers or otherwise grants any interest herein agrees to comply with all applicable laws in so doing, including without limitation all applicable state and federal registration and securities laws and regulations. Each permitted assignee shall take this Note subject to the foregoing conditions and subject to all provisions stated or referenced herein and the TIF Agreement. IT IS HEREBY CERTIFIED AND RECITED that all acts, conditions, and things required by the Constitution and laws of the State of Minnesota to be done, to have happened, and to be performed precedent to and in the issuance of this Note have been done, have happened, and have been performed in regular and due form, time, and manner as required by law; and that this Note, together with all other indebtedness of the City outstanding on the date hereof and on the date of its actual issuance and delivery, does not cause the indebtedness of the City to exceed any constitutional or statutory limitation thereon. IN WITNESS WHEREOF, the City of Elk River, Minnesota, by its City Council, has caused this Note to be executed by the manual signatures of its Mayor and City Clerk and has caused this Note to be dated as of By Its Mayor By Its City Clerk S-4 EL185\61\675612.v1 LL185\61\675612.v1 CERTIFICATION OF REGISTRATION It is hereby certified that the foregoing Note was registered in the name of Moyer Properties, LLC, and that, at the request of the Registered Owner of this Note, the undersigned has this day registered the Note in the name of such Registered Owner, as indicated in the registration blank below, on the books kept by the undersigned for such purposes. NAME AND ADDRESS OF REGISTERED OWNER Moyer Properties, LLC DATE OF SIGNATURE OF REGISTRATION FINANCE DIRECTOR S-5 EL185\61\675612.v1 LL185\61\675612.v1 Exhibit I To Taxable TIF Note ACKNOWLEDGMENT REGARDING TIF NOTE The undersigned, acknowledges that: a ("Note Holder"), hereby certifies and A. On the date hereof the Note Holder has [acquired from]/[made a loan (the "Loan") [to/for the benefit] of] Moyer Properties, LLC, a Minnesota limited liability company (the "Developer") [secured in part by] the Taxable Tax Increment Revenue Note (Crown Iron Works Project), a pay-as-you-go tax increment revenue note in the original principal amount of $ dated , 20 of the City of Elk River, Minnesota (the "City"), a copy of which is attached hereto ("Note"). B. The Note Holder has had the opportunity to ask questions of and receive all information and documents concerning the Note as it requested, and has had access to any additional information the Note Holder thought necessary to verify the accuracy of the information received. In determining to [acquire the Note]/[make the Loan], the Note Holder has made its own determinations and has not relied on the City or information provided by the City. C. The Note Holder represents and warrants that: 1. The Note Holder is acquiring [the Note]/[an interest in the Note as collateral for the Loan] for its own account, and without any view to resale or other distribution. 2. The Note Holder is (i) the owner of the Development Property or (ii) a financial institution or an "accredited investor" as defined in Rule 501(a) of Regulation D promulgated under the Securities Act of 1933, and as further described in Exhibit lA hereto and has such knowledge and experience in financial and business matters that it is capable of evaluating the merits and risks of acquiring [and holding the Note] [an interest in the Note as collateral for the Loan]. 3. The Note Holder understands that the Note is a security which has not been registered under the Securities Act of 1933, as amended, or any state securities law, and must be held until its sale is registered or an exemption from registration becomes available. 4. The Note Holder is aware of the limited payment source for the Note and interest thereon and risks associated with the sufficiency of that limited payment source. D. The Note Holder understands that the Note is payable solely from certain tax increments derived from certain properties located in a tax increment financing district, if and as received by the City. The Note Holder acknowledges that the City has made no representation or covenant, express or implied, that the revenues pledged to pay the Note will be sufficient to pay, in whole or in part, the principal and interest due on the Note. Any amounts which have not S-6 EL185\61\675612.vl LL185\61\675612.v1 been paid on the Note on or before the final maturity date of the Note shall no longer be payable, as if the Note had ceased to be an obligation of the City. The Note Holder understands that the Note will never represent or constitute a general obligation, debt or bonded indebtedness of the City, the State of Minnesota, or any political subdivision thereof and that no right will exist to have taxes levied by the City, the State of Minnesota or any political subdivision thereof for the payment of principal and interest on the Note. E. The Note Holder understands that the Note is payable solely from certain tax increments, which are taxes received on improvements made to certain property (the "Improvements") in a tax increment financing district from the increased taxable value of the property over its base value at the time that the tax increment financing district was created, which base value is called "original net tax capacity". There are risk factors in relying on tax increments to be received, which include, but are not limited to, the following: 1. Value of Improvements. If the contemplated Improvements constructed in the tax increment financing district are completed at a lesser level of value than originally contemplated, they will generate fewer taxes and fewer tax increments than originally contemplated. 2. Damage or Destruction. If the Improvements are damaged or destroyed after completion, their value will be reduced, and taxes and tax increments will be reduced. Repair, restoration or replacement of the Improvements may not occur, may occur after only a substantial time delay, or may involve property with a lower value than the Improvements, all of which would reduce taxes and tax increments. 3. Change in Use to Tax -Exempt. The Improvements could be acquired by a parry that devotes them to a use which causes the property to be exempt from real property taxation. Taxes and tax increments would then cease. 4. Depreciation. The Improvements could decline in value due to changes in the market for such property or due to the decline in the physical condition of the property. Lower market valuation will lead to lower taxes and lower tax increments. 5. Non-payment of Taxes. If the property owner does not pay property taxes, either in whole or in part, the lack of taxes received will cause a lack of tax increments. The Minnesota system of collecting delinquent property taxes is a lengthy one that could result in substantial delays in the receipt of taxes and tax increments, and there is no assurance that the full amount of delinquent taxes would be collected. Amounts distributed to taxing jurisdictions upon a sale following a tax forfeiture of the property are not tax increments. 6. Reductions in Taxes Levied. If property taxes are reduced due to decreased municipal levies, taxes and tax increments will be reduced. Reasons for such reduction could include lower local expenditures or changes in state aids to municipalities. For instance, in 2001 the Minnesota Legislature enacted an education funding reform that involved the state increasing school aid in lieu of the local general education levy (a component of school district tax levies). S-7 EL185\61\675612.vl LL185\61\675612.v1 7. Reductions in Tax Capacity Rates. The taxable value of real property is determined by multiplying the market value of the property by a tax capacity rate. Tax capacity rates vary by certain categories of property; for example, the tax capacity rates for residential homesteads are currently less than the tax capacity rates for commercial and industrial property. In 2001 the Minnesota Legislature enacted property tax reform that lowered various tax capacity rates to "compress" the difference between the tax capacity rates applicable to residential homestead properties and commercial and industrial properties. 8. Changes to Local Tax Rate. The local tax rate to be applied in the tax increment financing district is the lower of the current local tax rate or the original local tax rate for the tax increment financing district. In the event that the Current Local Tax Rate is higher than the Original Local Tax Rate, then the "excess" or difference that comes about after applying the lower Original Local Tax Rate instead of the Current Local Tax Rate is considered "excess" tax increment and is distributed by Sherburne County to the other taxing jurisdictions and such amount is not available to the City as tax increment. 9. Legislation. The Minnesota Legislature has frequently modified laws affecting real property taxes, particularly as they relate to tax capacity rates and the overall level of taxes as affected by state aid to municipalities. F. The Note Holder acknowledges that the Note was issued pursuant to a Tax Increment Development Agreement between the City and the Developer dated , 2020 ("Development Agreement"), and that the City has the right to suspend payments under this Note and/or terminate the Note upon an Event of Default under the Development Agreement. G. The Note Holder acknowledges that the City makes no representation about the tax treatment of, or tax consequences from, the Note Holder's acquisition of [the Note]/[an interest in the Note as collateral for the Loan]. WITNESS our hand this day of , 20 Note Holder: By Name: Its S-8 EL185\61\675612.vl LL185\61\675612.v1 Exhibit J A To Acknowledgment Regarding TIF Note The Note Holder understands that the representations contained below are made for the purpose of qualifying the Note Holder as an "accredited investor" as that term is defined in Regulation D of the General Rules and Regulations under the Act and for the purpose of inducing a sale of securities to the Note Holder. The Note Holder agrees to furnish any additional information which the City of Elk River, Minnesota (the "City") deems necessary to verify the answers set forth below. The Note Holder hereby represents that the statement or statements checked or initialed below are true and correct in all respects. The Note Holder understands that a false representation may constitute an Event of Default as defined in that certain Tax Increment Development Agreement, dated as of _, 2020 (as the same may be amended from time to time, the "Development Agreement"), between the City and Moyer Properties, LLC, a Minnesota limited liability company, or its registered assigns (the "Developer"). For purposes of this letter an Accredited Investor shall mean any one of the following entities which by check mark or initials the Note Holder represents that it qualifies: The Note Holder is a natural person whose individual net worth, or joint net worth with his or her spouse, exceeds $1,000,000, exclusive of the fair market value of primary residence of the Note Holder, at the time of the purchase. The Note Holder is a natural person who had an individual income in excess of $200,000 in each of the two most recent years or joint income with the Note Holder's spouse in excess of $300,000 in each of those years and who reasonably expects to reach the same income level in the current year. The Note Holder hereby certifies that all of the equity owners of the Note Holder qualify as accredited individual investors. (Please submit a copy of this page countersigned by each such equity owner if relying on this item). The Note Holder is a bank or savings and loan association as defined in Sections 3(a)(2) and 3(a)(5)(A), respectively, of the Act acting either in its individual or fiduciary capacity. The Note Holder is an insurance company as defined in Section 2(13) of the Act. The Note Holder is an investment company registered under the Investment Company Act of 1940, as amended, or a business development company as defined in Section 2(a)(48) of that Act. The Note Holder is a Small Business Investment Company licensed by the U.S. Small Business Administration under Section 301(c) of the Small Business Investment Act of 1958. The Note Holder is an employee benefit plan within the meaning of Title I of the Employee Retirement Security Act of 1974 and either (check one or more, as applicable): the investment decision is made by a plan fiduciary, as defined in Section 3(21) of such Act, which is either a bank, savings and loan association, insurance company, or registered investment adviser; or the employee benefit plan has total assets in excess of $5,000,000; or the plan is a self -directed plan with investment decisions made solely by persons who are "Accredited Investors" as defined under the Act. S-9 EL185\61\675612.v1 LL185\61\675612.v1 The Note Holder is a private business development company as defined in Section 202(a)(22) of the Investment Advisers Act of 1940. The Note Holder has total assets in excess of $5,000,000, was not formed for the specific purpose of acquiring the Note and is one or more of the following (check one or more, as appropriate): an organization described in Section 501(c)(3) of the Internal Revenue Code; or a corporation; or a Massachusetts or similar business trust; or a partnership. The Note Holder is a trust with total assets exceeding $5,000,000, which was not formed for the specific purpose of acquiring the TIF Note and whose purchase is directed by a person who has such knowledge and experience in financial and business matters that he or she is capable of evaluating the merits and risks of the investment in the TIF Note. S-10 EL185\61\675612.vl LL185\61\675612.v1 EXHIBIT C CERTIFICATE OF COMPLETION WHEREAS, the City of Elk River, Minnesota and Moyer Properties, LLC, a Minnesota limited liability company (the "Developer"), have executed a Tax Increment Development Agreement, dated as of October 5, 2020 (the "Development Agreement"), with respect to the completion by the Developer of certain improvements (the "Minimum Improvements"), more specifically described in the Development Agreement; and WHEREAS, the Developer has performed its obligations under the Development Agreement to substantially complete the Minimum Improvements in a manner deemed sufficient by the City to permit the execution of this certificate pursuant to Section 4.2 of the Development Agreement: NOW, THEREFORE, this is to certify that the construction of the Minimum Improvements has been completed in substantial conformance with the terms of the Development Agreement. CITY OF ELK RIVER, MINNESOTA LIZ Its Dated: .20 C-1 LL185\61\675612.v1 City of Elk River City of Elk River City Council Resolution 20- A Resolution of the City Council of the City of Elk River approving a modification to the development program for development district no. I, establishing an economic development tax increment financing district, approving a tax increment financing plan therefor (Shoot Steel, Inc. Project), and authorizing execution of a tax increment development agreement NOW, THEREFORE, BE IT RESOLVED by the City Council of the City of Elk River, Minnesota, as follows: Section 1. Recitals. 1.01 The Council of the City of has heretofore established Development District No. 1 and adopted a Development Program therefor. It has been proposed that the City adopt a Modification to the Development Program (the "Development Program Modification") for Development District No. 1 (the "Development District") and establish Tax Increment Financing (Economic Development) District No. 26 (Shoot Steel, Inc. Project) (the "TIF District") therein and adopt a Tax Increment Financing Plan (the "TIF Plan") therefor (the Development Program Modification and the TIF Plan are referred to collectively herein as the "Program and Plan"); all pursuant to and in conformity with applicable law, including Minnesota Statutes, Sections 469.124 to 469.133 and Sections 469.174 to 469.1794, all inclusive, as amended, (the "Act") all as reflected in the Program and Plan, and presented for the Council's consideration. 1.02 The City has performed all actions required by law to be performed prior to the adoption and approval of the Development Program Modification and the TIF Plan, including, but not limited to, delivery of the Development Program Modification and the TIF Plan to the Board of Sherburne County (the "County") and the Board of Independent School District No. 728 (the "School District") and the holding of a public hearing thereon following notice thereof published in the City's official newspaper at least 10 but not more than 30 days prior to the public hearing. 1.03 Certain written reports and other documentation (collectively, the "Reports") relating to the TIF Plan including the tax increment application made and other information supplied by Moyer Properties, LLC, a Minnesota limited liability company (or an affiliate thereof, the "Developer") and Shoot Steel, Inc., a Minnesota corporation (the "Operator"), as to the activities contemplated therein, have heretofore been assembled or prepared by staff or others and submitted to the Council and/or made a part of the City files and proceedings on the TIF Plan. The Reports include data, information and/or substantiation constituting or relating to (1) why the TIF District i meets the requirements to be an economic development tax increment financing district and why the assistance satisfies the so-called "but for" test and (2) the bases for the other findings and determinations made in this resolution. The Council hereby confirms, ratifies and adopts the Reports, which are hereby incorporated into and made as fully a part of this resolution to the same extent as if set forth in full herein. 1.04 The Developer has proposed to acquire, construct and equip an approximately 20,000 square foot warehouse facility to be leased to the Operator (collectively, the "Development") and has requested that the City provide tax increment assistance to pay a portion of the public development costs of the Development. 1.05. There has been presented before the Council, a Tax Increment Development Agreement between the City and the Developer (the "Agreement"), setting for the terms and conditions of the Development and provides certain tax increment assistance (the "TIF Assistance") to the Developer repayable from tax increment generated from the TIF District. The TIF Assistance constitutes a business subsidy within the meaning of Minnesota Statutes, Section 116J.993 to 116J.995, as amended (the "Business Subsidy Act"), and the Agreement includes a "business subsidy agreement" as required under the Business Subsidy Act. 1.06. The Council has on this date conducted a duly noticed public hearing regarding the granting of a business subsidy being provided to the Developer in accordance with the Business Subsidy Act, at which all interested persons were given an opportunity to be heard. Section 2. Findings for the Creation of the TIF District and Adoption of a TIF Plan Therefor 2.01 The Council hereby finds that the land within the Development District is proper and desirable to establish and develop within the City, its effect will be to carry out the objectives of the Development District by creating an impetus for the development of warehouse and related structures in the City, and otherwise promote certain public purposes and accomplish certain objectives as specified in the Plans. The Development District has been previously established by the City and is not being expanded in connection with the establishment of the TIF District. The only modification to the Development Program relates to the incorporation of the proposed TIF District and the terms of the TIF Plan therefor. 2.02 The Council hereby finds that the TIF District is in the public interest and is an "economic development district" within the meaning of Minnesota Statutes, Section 469.174, Subdivision 12, because it will result in increased employment in the state, including construction jobs, and it will result in capital investment in the City and therefore preservation and enhancement of the tax base in the state. 2.03 The Council hereby makes the following additional findings in connection with the TIF District and hereby incorporates the findings set forth in the TIF Plan herein by reference as part of this resolution. (a) The City further finds that the proposed development, in the opinion of the City Council, would not occur solely through private investment within the reasonably foreseeable future and, therefore, the use of tax increment financing is deemed necessary. The specific basis for such finding being: 2.04 The Developer and the Operator have represented that they could not proceed with the proposed construction of the Development in the TIF District without tax increment assistance due to the high cost of the construction of the facility. The property requires additional expenditures related to development of the site, including acquisition, site improvements, and storm water ponding which currently do not allow development on the property. (b) The Council further finds that the TIF Plan conforms to the general plan for the development or redevelopment of the City as a whole. The specific basis for such finding being: The TIF Plan will generally complement and serve to implement policies adopted in the City's comprehensive plan. The City Council has concluded that the Development contemplated on the property is in accordance with the existing zoning for the property and is consistent with the City's comprehensive plan. (c) The Council further finds that the TIF Plan will afford maximum opportunity consistent with the sound needs of the City as a whole for the development of the TIF District by private enterprise. The specific basis for such finding being. The proposed Development will be used by the Operator, a private enterprise, for warehousing and related activities and will afford maximum opportunity for the development of the applicable parcels consistent with the needs of the City. The Development will maximize the potential of an underutilized site and will increase the taxable market valuation of the City and warehouse facilities in the City. The land located within the TIF District requires site improvements including site preparation, grading, and landscaping, as well as storm water ponding. Given the nature of the property, there is no reasonable expectation of any development occurring that would generate as much market value increase as is estimated to be generated by the proposed Development. Therefore, the City has concluded that substantial development at this particular site --and hence any significant increase in market value --is not reasonably expected to occur unless the City provides tax increment assistance as described in the TIF Plan. (d) For purposes of compliance with Minnesota Statutes, Section 469.175, Subdivision 3(b)(2)(ii), the Council hereby finds that the increased market value of the property to be developed within the TIF District that could reasonably be expected to occur without the use of tax increment financing is probably $0 (other than amounts due to inflation), which is less than the increased market value estimated to result from the proposed development (i.e., approximately $1,330,900) after subtracting the present value of the projected tax increments for the maximum duration of the TIF District (i.e., approximately $214,321) which is approximately $1,116,579. Thus, the use of tax i increment financing will be a positive net gain to the City, the School District, and the County, and the tax increment assistance does not exceed the benefit which will be derived therefrom. 2.05 The provisions of this Section 2 are hereby incorporated by reference into and made a part of the TIF Plan. 2.06 The Council further finds that the Development Program Modification and the TIF Plan are intended and, in the judgment of this Council, their effect will be, to promote the public purposes and accomplish the objectives specified therein. Section 3. Creation of the TIF District and Approval and Adoption of the Plans; Interfund Loans. 3.01 The Development Program Modification, the creation of the TIF District and the adoption of the TIF Plan, as presented to the Council on this date, including without limitation the findings and statements of objectives contained therein, are hereby approved, ratified, established, and adopted. The City Administrator, or his or her designee, is hereby directed to request, in writing, the Sherburne County Auditor to certify the new TIF District and to file the TIF Plan with the Commissioner of Revenue and the Office of the State Auditor. 3.02 The Council hereby approves a policy on interfund loans or advances ("Loans") for the TIF District, as follows: (a) The authorized tax increment eligible costs (including without limitation out-of-pocket administrative expenses in an amount up to $26,809 and land acquisition other public improvement costs in an amount up to $241,274) payable from the TIF District, as its TIF Plan is originally adopted or may be amended, may need to be financed on a short-term and/or long-term basis via one or more Loans, as may be determined by the City Finance Director from time to time. (b) The Loans may be advanced if and as needed from available monies in the City's general fund or other City fund designated by the City Finance Director. Loans may be structured as draw -down or "line of credit" obligations of the lending fund(s). (d) Neither the maximum principal amount of any one Loan nor the aggregate principal amount of all Loans may exceed $268,083 outstanding at any time. (e) All Loans mature not later than February 1, 2031 or such earlier date as the City Finance Director may specify in writing. All Loans may be prepaid, in whole or in part, whether from tax increment revenue, TIF bond proceeds or other eligible sources. i (f) The outstanding and unpaid principal amount of each Loan shall bear interest at the rate prescribed by the statute (Minnesota Statutes, Section 469.178, Subdivision 7), which is the greater of the rates specified under Minnesota Statutes, Sections 270C.40 or 549.09 at the time a Loan, or any part of it, is first made, subject to the right of the City Finance Director to specify a lower rate (but not less than the City's then -current average investment return for similar amount and term). (g) Such Loans within the above guidelines are pre -approved. The Loans need not take any particular form and may be undocumented, except that the City Finance Director shall specify the principal amount and interest rate and maintain all necessary or applicable data on the Loans. Section 4. Approval of Agreement. 4.01. The Developer has presented the City with a proposal for the construction of the Development and there has been prepared the Agreement between the City and the Developer, stating the terms and conditions of the Developer's responsibilities with respect to the Development and the City's the assistance therefor, which has been presented to the Council for its consideration. 4.02. The Council hereby approves the Agreement substantially in the form presented to the Council, including the provisions granting a business subsidy to the Developer, together with any related documents necessary in connection therewith, including but not limited to the TIF Note and any documents or certifications referred to in the Agreement or attached thereto (collectively, the "Development Documents"), and hereby authorizes the Mayor and City Clerk, in their discretion and at such time, if any, as they may deem appropriate, to execute the same on behalf of the City, and to carry out, on behalf of the City, the City's obligations thereunder. 4.03. The approval hereby given to the Development Documents includes approval of such additional details therein as may be necessary and appropriate and such modifications thereof, deletions therefrom and additions thereto as may be necessary and appropriate and approved by legal counsel to the City and by the officers authorized herein to execute said documents prior to their execution; and said officers are hereby authorized to approve said changes on behalf of the City. The execution of any instrument by the appropriate officers of the City herein authorized shall be conclusive evidence of the approval of such document in accordance with the terms hereof. In the event of absence or disability of the officers, any of the documents authorized by this Resolution to be executed may be executed without further act or authorization of the Council by any duly designated acting official, or by such other officer or officers of the Council as, in the opinion of the City Attorney, may act in their behalf. 4.04. Upon execution and delivery of the Development Documents, the officers and employees of the City are hereby authorized and directed to take or cause to be taken such actions as may be necessary on behalf of the City to implement the Development Documents, including without limitation the issuance of the Tax Increment Revenue Note thereunder. 4.05. The Council hereby determines that the execution and performance of the Development Documents will help realize the public purposes of the Act. Passed and adopted this day of 2020. John J. Dietz, Mayor ATTEST: Tina Allard, City Clerk